RBS 2012 Annual Report Download - page 147

RBS GROUP 2012
145
Debt securities in issue
Conduit
ABCP
Other CP
and CDs MTNs
Covered
bonds Securitisations Total
Subordinated
liabilities
Total
notes issued
Total
notes issued
2010 £m £m £m £m £m £m £m £m %
Less than 1 year 17,320 46,051 30,589 — 88 94,048 964 95,012 39
1-3 years — 702 47,357 1,078 12 49,149 754 49,903 20
1-5 years — 12 21,466 1,294 34 22,806 8,476 31,282 13
More than 5 years — 5 31,614 1,728 19,022 52,369 16,859 69,228 28
17,320 46,770 131,026 4,100 19,156 218,372 27,053 245,425 100
Deposit and repo funding
The table below shows the composition of the Group’s deposits excluding repos and repo funding.
2012 2011 2010
Deposits Repos Deposits Repos Deposits Repos
£m £m £m £m £m £m
Financial institutions
- central and other banks 57,074 44,332 69,114 39,691 66,317 32,739
- other financial institutions 64,237 86,968 66,009 86,032 65,532 75,782
Personal and corporate deposits 369,755 1,072 370,744 2,780 365,334 6,312
491,066 132,372 505,867 128,503 497,183 114,833
£173 billion or 40% of the customer deposits included above are insured through the UK Financial Services Compensation Scheme, US Federal Deposit
Insurance Corporation Scheme and other similar schemes. Of the personal and corporate deposits above, 42% related to personal customers and 58%
to corporate customers.
Divisional loan:deposit ratios and funding gaps
The table below shows divisional loans, deposits, customer loan:deposit ratios and customer funding gaps.
Loans (1) Deposits (2)
Loan:deposit
ratio (3)
Funding surplus
/(gap) (3)
2012 £m £m % £m
UK Retail 110,970107,633 103(3,337)
UK Corporate 104,593 127,070 8222,477
Wealth 16,965 38,910 44 21,945
International Banking (4) 39,500 46,172 86 6,672
Ulster Bank 28,74222,059 130(6,683)
US Retail & Commercial 50,726 59,164 86 8,438
Conduits (4) 2,458 — — (2,458)
Retail & Commercial 353,954 401,008 88 47,054
Markets 29,589 26,346 112 (3,243)
Other 3,264 3,340 98 76
Core 386,807430,694 9043,887
Non-Core 45,144 3,298 nm (41,846)
Group 431,951433,992 100 2,041
2011
UK Retail 107,983 101,878 106(6,105)
UK Corporate 108,668 126,309 86 17,641
Wealth 16,834 38,164 44 21,330
International Banking (4) 46,417 45,051 103(1,366)
Ulster Bank 31,30321,814 143 (9,489)
US Retail & Commercial 50,84259,984 85 9,142
Conduits (4) 10,504— —(10,504)
Retail & Commercial 372,551393,200 95 20,649
Markets 31,254 36,776 85 5,522
Other 1,196 2,496 48 1,300
Core 405,001 432,472 94 27,471
Non-Core 68,5164,281 nm (64,235)
Group 473,517 436,753 108(36,764)
For the notes to this table refer to the following page.