RBS 2012 Annual Report Download - page 53

RBS GROUP 2012
51
Average balance sheet and related interest
Managed 2012 Managed 2011
Average
balance Interest Rate
Average
balance Interest Rate
£m £m % £m £m %
Assets
Loans and advances to banks - UK 36,442 263 0.72 31,985 293 0.92
- Overseas 40,488 246 0.61 41,840 404 0.97
Loans and advances to customers - UK 278,188 11,443 4.11 294,711 12,108 4.11
- Overseas 151,779 4,868 3.21 172,177 5,871 3.41
Debt securities -
UK 56,807 1,169 2.06 62,416 1,454 2.33
- Overseas 40,943 856 2.09 59,093 1,295 2.19
Interest-earning assets - UK 371,437 12,875 3.47 389,112 13,855 3.56
- Overseas 233,210 5,970 2.56 273,110 7,570 2.77
Total interest-earning assets - banking business (1,2,4,6,7,8)604,647 18,845 3.12 662,222 21,425 3.24
- trading business (13) 240,131 278,975
Interest-earning assets 844,778 941,197
Non-interest-earning assets (1,2) 585,594 593,958
Total assets 1,430,372 1,535,155
Percentage of assets applicable to overseas operations 37.8% 40.2%
Liabilities
Deposits by banks - UK 18,276 195 1.07 17,224 242 1.41
- Overseas 20,129 384 1.91 46,890 735 1.57
Customer accounts: demand deposits - UK 121,252 643 0.53 112,522 664 0.59
- Overseas 35,087 210 0.60 43,177 483 1.12
Customer accounts: savings deposits - UK 84,972 1,479 1.74 76,719 1,177 1.53
- Overseas 26,989 133 0.49 25,257 130 0.51
Customer accounts: other time deposits - UK 39,813 522 1.31 44,243 481 1.09
- Overseas 26,038 509 1.95 34,447 596 1.73
Debt securities in issue - UK 69,272 1,834 2.65 119,735 2,755 2.30
- Overseas 22,469 342 1.52 42,473 765 1.80
Subordinated liabilities - UK 16,377 517 3.16 17,345 409 2.36
- Overseas 5,891 189 3.21 6,226 189 3.04
Internal funding of trading business - UK (21,140) 264 (1.25)(40,242) 149 (0.37)
- Overseas 11,992 (65)(
0.54)(8,783)(40) 0.46
Interest-bearing liabilities - UK 328,822 5,454 1.66 347,546 5,877 1.69
- Overseas 148,595 1,702 1.15 189,687 2,858 1.51
Total interest-bearing liabilities - banking business (1,2,5,6,7) 477,417 7,156 1.50 537,233 8,735 1.63
- trading business (13) 248,647 307,564
Interest-bearing liabilities 726,064 844,797
Non-interest-bearing liabilities:
Demand deposits - UK 46,420 46,495
- Overseas 27,900 19,909
Other liabilities (2,9) 556,728 548,915
Owners' equity 73,260 75,039
Total liabilities and owners' equity 1,430,372 1,535,155
Percentage of liabilities applicable to overseas operations 33.9% 37.1%
For the notes to this table refer to page 50.