RBS 2011 Annual Report Download - page 365

RBS Group 2011 363
On balance sheet liabilities
The following tables show by contractual maturity, the undiscounted cash flows payable up to a period of 20 years from the balance sheet date,
including future payments of interest.
0-3 months 3-12 months 1-3 years 3-5 years 5-10 years 10-20 years
2011 £m £m £m £m £m £m
Deposits by banks 39,139 5,104 5,513 461 1,121 364
Customer accounts 379,692 23,068 12,643 5,389 1,483 779
Debt securities in issue 66,253 15,756 25,099 17,627 18,833 4,190
Derivatives held for hedging 525 788 1,981 1,186 1,101 821
Subordinated liabilities 133 1,116 4,392 7,872 8,654 3,488
Settlement balances and other liabilities 9,015 37 36 62 16 15
494,757 45,869 49,664 32,597 31,208 9,657
Guarantees and commitments - notional amount
Guarantees (1) 24,886 — — — — —
Commitments (2) 239,963 — — — — —
264,849 — — — — —
2010
Deposits by banks 43,396 4,417 1,243 304 651 374
Customer accounts 402,457 18,580 8,360 4,651 4,393 2,384
Debt securities in issue 89,583 43,032 31,862 22,569 24,209 6,697
Derivatives held for hedging 608 936 2,103 969 681 253
Subordinated liabilities 2,485 2,611 6,570 8,691 8,672 4,607
Settlement balances and other liabilities 12,423 59 136 177 385 25
550,952 69,635 50,274 37,361 38,991 14,340
Guarantees and commitments - notional amount
Guarantees (1) 31,026 — — — — —
Commitments (2) 266,822 — — — — —
297,848 — — — — —
2009
Deposits by banks 65,966 15,541 3,934 2,301 632 12
Customer accounts 521,400 15,619 5,944 4,221 8,490 4,392
Debt securities in issue 100,220 49,300 56,869 25,915 27,326 3,819
Derivatives held for hedging 660 1,566 3,232 1,264 1,674 1,508
Subordinated liabilities 1,929 1,892 3,654 4,963 20,157 6,105
Settlement balances and other liabilities 12,048 100 139 104 239 83
702,223 84,018 73,772 38,768 58,518 15,919
Guarantees and commitments - notional amount
Guarantees (1) 39,952 — — — — —
Commitments (2) 291,634 — — — — —
331,586 — — — — —
Notes:
(1) The Group is only called upon to satisfy a guarantee when the guaranteed party fails to meet its obligations. The Group expects most guarantees it provides to expire unused.
(2) The Group has given commitments to provide funds to customers under undrawn formal facilities, credit lines and other commitments to lend subject to certain conditions being met by the
counterparty. The Group does not expect all facilities to be drawn, and some may lapse before drawdown.