RBS 2011 Annual Report Download - page 88

86 RBS Group 2011
Non-Core continued
2011 2010 2009
Performance ratios
Net interest margin 0.64% 1.16% 0.69%
Cost:income ratio 107% 76% (100%)
Adjusted cost:income ratio 128% 101% (80%)
£bn £bn £bn
Capital and balance sheet
Total third party assets (excluding derivatives) (1) 93.7 137.9 201.0
Total third party assets (including derivatives) (1) 104.7
153.9 220.9
Loans and advances to customers (gross) (2) 79.4 108.4 149.5
Customer deposits (2) 3.5 6.7 12.6
Risk elements in lending (2) 24.0 23.4 22.9
Risk-weighted assets (1) 93.3 153.7 171.3
Gross customer loans and advances
Banking & portfolios 77.3 104.9 138.3
International businesses 2.0 3.5 9.4
Markets 0.1 — 1.8
79.4 108.4 149.5
Risk-weighted assets
Banking & portfolios 64.8 83.5 92.5
International businesses 4.1 5.6 11.5
Markets 24.4 64.6 67.3
93.3 153.7 171.3
Third party assets (excluding derivatives)
Banking & portfolios 81.3 113.9 58.2
International businesses 2.9 4.4 43.8
Markets 9.5 19.6 69.3
93.7 137.9 171.3
Third party assets (excluding derivatives)
31 December
2010
£bn
Run-off
£bn
Disposals/
restructuring
£bn
Drawings/
roll overs
£bn
Impairments
£bn
FX
£bn
31 December
2011
£bn
Commercial real estate 42.6 (5.6) (2.4) 0.7 (3.4) (0.4) 31.5
Corporate 59.8 (8.5) (11.3) 2.5 (0.1) (0.2) 42.2
SME 3.7 (1.6) — 0.1 (0.1) — 2.1
Retail 9.0 (1.1) (1.4) — (0.3) (0.1) 6.1
Other 2.5 (0.6) — — — — 1.9
Markets 13.6 (2.9) (1.8) 1.0 — (0.1) 9.8
Total (excluding derivatives) 131.2 (20.3) (16.9) 4.3 (3.9) (0.8) 93.6
Markets - RBS Sempra Commodities JV 6.7 (1.3) (5.0) — — (0.3) 0.1
Total (3) 137.9 (21.6) (21.9) 4.3 (3.9) (1.1) 93.7
Notes:
(1) Includes RBS Sempra Commodities JV (2011 third party assets, excluding derivatives (TPAs) £0.1 billion, RWAs £1.6 billion; 2010 TPAs £6.7 billion, RWAs £4.3 billion).
(2) Excluding disposal groups.
(3) Disposals of £0.2 billion have been signed as at 31 December 2011 (2010 - £12 billion).
Business review continued