RBS 2011 Annual Report Download - page 49

RBS Group 2011 47
Average balance sheet and related interest
Managed 2011 Managed 2010
Average
balance Interest Rate
Average
balance Interest Rate
£m £m % £m £m %
Assets
Loans and advances to banks - UK 31,985 293 0.92% 22,578 223 0.99
- Overseas 41,840 404 0.97% 30,143 369 1.22
Loans and advances to customers - UK 294,711 12,108 4.11% 311,060 11,907 3.83
- Overseas 172,177 5,871 3.41% 197,340 6,936 3.51
Debt securities - UK 62,416 1,454 2.33% 66,734 1,467 2.20
- Overseas 59,093 1,295 2.19% 62,103 1,791 2.88
Interest-earning assets -UK 389,112 13,855 3.56% 400,372 13,597 3.40
-Overseas 273,110 7,570 2.77% 289,586 9,096 3.14
Total interest-earning assets -banking business (1,2,3) 662,222 21,425 3.24% 689,958 22,693 3.29
-trading business (9) 278,975 276,330
Interest-earning assets 941,197 966,288
Non-interest-earning assets (1,2) 593,958 705,916
Total assets 1,535,155 1,672,204
Percentage of assets applicable to overseas operations 40.2% 44.1%
Liabilities
Deposits by banks - UK 17,224 242 1.41% 21,816 334 1.53
- Overseas 46,890 735 1.57% 59,542 996 1.67
Customer accounts: demand deposits - UK 112,522 664 0.59% 120,796 621 0.51
- Overseas 43,177 483 1.12% 39,218 609 1.55
Customer accounts: savings deposits - UK 76,719 1,177 1.53% 68,142 935 1.37
- Overseas 25,257 130 0.51% 25,587 213 0.83
Customer accounts: other time deposits - UK 44,243 481 1.09% 42,818 431 1.01
- Overseas 34,447 596 1.73% 45,080 914 2.03
Debt securities in issue - UK 119,735 2,755 2.30% 123,729 2,186 1.77
- Overseas 42,473 765 1.80% 72,247 1,065 1.47
Subordinated liabilities - UK 17,345 409 2.36% 19,998 480 2.40
- Overseas 6,226 189 3.04% 9,336 252 2.70
Internal funding of trading business - UK (40,242) 149 (0.37%) (41,451) (140) 0.34
- Overseas (8,783) (40) 0.46% (6,864) (41) 0.60
Interest-bearing liabilities -UK 347,546 5,877 1.69% 355,848 4,847 1.36
-Overseas 189,687 2,858 1.51% 244,146 4,008 1.64
Total interest-bearing liabilities -banking business (1,2,4) 537,233 8,735 1.63%
599,994 8,855 1.48
-trading business (9) 307,564 293,993
Interest-bearing liabilities 844,797 893,987
Non-interest-bearing liabilities:
Demand deposits - UK 46,495 29,022
- Overseas 19,909 23,994
Other liabilities (2,9) 548,915 648,295
Owners' equity 75,039 76,906
Total liabilities and owners' equity 1,535,155 1,672,204
Percentage of liabilities applicable to overseas operations 37.1% 41.3%
For notes relating to this table refer to page 46.