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RBS GROUP 2012

481

5 Financial instruments - maturity analysis

Remaining maturity

The following table shows the residual maturity of financial instruments, based on contractual date of maturity.

2012 2011 2010

Less than

12 months

More than

12 months Total

Less than

12 months

More than

12 months Total

Less than

12 months

More than

12 months Total

£m £m £m £m £m £m £m £m £m

Assets

Loans and advances to banks 6,382 17,684 24,066 2,694 15,674 18,368 4,651 14,884 19,535

Loans and advances to customers — 1,266 1,266 1,341 2,715 4,056 3,855 2,834 6,689

Debt securities 26 1,496 1,522 65 1,503 1,568 — 1,454 1,454

Derivatives 296 215 511 918 584 1,502 2 1,473 1,475

Liabilities

Deposits by banks 320 1,135 1,455 9 1,082 1,091 —

— —

Customer accounts 838 — 838

977 — 977 1,029 — 1,029

Debt securities in issue 5,506 3,804 9,310 3,800 4,573 8,373 1,460 7,282 8,742

Derivatives — 7 7 25 54 79 25 206 231

Subordinated liabilities 647 10,658 11,305 121 8,656 8,777 307 7,741 8,048

On balance sheet liabilities

The following table shows 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

2012 £m £m £m £m £m £m

Deposits by banks 6 338 325 958 — —

Customer accounts 18 97 742 — — —

Debt securities in issue 1,975 3,663 2,406 567 1,194 —

Subordinated liabilities 85 826 1,796 680 3,158 2,314

2,084 4,924 5,269 2,205 4,352 2,314

2011

Deposits by banks 5 16 341 — 965 —

Customer accounts — 993 — — — —

Debt securities in issue 777 3,152 3,597

163 1,155 —

Subordinated liabilities 94 340 1,860 1,020 1,527 2,525

876 4,501 5,798 1,183 3,647 2,525

2010

Customer accounts 1,029 — — — — —

Debt securities in issue 589 1,089 6,436 128 1,248 —

Subordinated liabilities 317 310 1,357 1,873 1,998 3,482

1,935 1,399 7,793 2,001 3,246 3,482

For further information on the timing of cash flows to settle financial liabilities, see Note 12 on the consolidated accounts.