RBS 2011 Annual Report Download - page 486
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484 RBS Group 2011
Index
Accounting
Accounting developments 325
Accounting policies 314
Critical accounting policies 323
Approval of accounts 309, 420
Asset-backed securities 178
Asset Protection Scheme 247
Audit Committee
Letter from the Chairman of the Group Audit Committee 263
Report of the Group Audit Committee 264
Auditors
Auditor’s remuneration 337
Independent auditor’s report 306
Available-for-sale financial assets
Accounting policies 319
Notes on the consolidated accounts 340
Average balance sheet 47
Balance sheet
Business review 90
Consolidated 309
Parent company 420
Bank levy 329
Board Risk Committee report
Letter from the Chairman of the Board Risk Committee 268
Report of the Board Risk Committee 269
Business divestments
Business review 37
Notes on the consolidated accounts 376
Capital adequacy
Capital ratios 95, 111
Capital resources 95, 112
Notes on the consolidated accounts 398
Cash flow statement
Business review 94
Consolidated 313
Notes on the consolidated accounts 409, 410
Parent company 423
Parent company notes 430, 431
Central functions/items 28, 36, 84, 411
Chairman’s statement 9
Charitable contributions 302
Consolidated financial statements
Consolidated balance sheet 309
Consolidated cash flow statement 313
Consolidated income statement 307
Consolidated statement of changes in equity 310
Consolidated statement of comprehensive income 308
Notes on the consolidated accounts 327
Contingent liabilities and commitments 400
Corporate governance
Compliance with the UK Corporate Governance Code 296
Risk management 17
The Board and its committees 252
Debt securities in issue
Risk and balance sheet management 175
Notes on the consolidated accounts 368
Deposits
Customer accounts 340
Deposits by banks 340
Derivatives
Risk and balance sheet management 185
Notes on the consolidated accounts 366
Description of business 36
Directors
Biographies 253
Interests in shares 303
Remuneration 291
Remuneration policy 279
Report of the directors 298
Service contracts 289
Dividends
History 471
Notes on the consolidated accounts 339
Earnings per share
Business review 42
Notes on the consolidated accounts 339
Employees
Business review 62
Costs 329
Headcount 330
Report of the directors 299
Variable compensation 332
Financial instruments
Accounting policies 318
Critical accounting policies 324
Notes on the consolidated accounts 340
Financial Services Compensation Scheme 401
Shareholder information continued