RBS 2012 Annual Report Download - page 538
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536
Index
Accounting
Accounting developments 371
Accounting policies 360
Critical accounting policies 368
Approval of accounts 355, 475
Asset-backed securities 213
Audit Committee
Letter from the Chairman of the Group Audit Committee 309
Report of the Group Audit Committee 311
Auditors
Auditor’s remuneration 385
Independent auditor’s report 352
Available-for-sale financial assets
Accounting policies 364
Notes on the consolidated accounts 388
Average balance sheet 51
Balance sheet
Business review 97
Consolidated 355
Parent company 475
Board Risk Committee report
Letter from the Chairman of the Board Risk Committee 316
Report of the Board Risk Committee 317
Business divestments
Business review 38
Notes on the consolidated accounts 427
Business Services 30
Capital adequacy
Capital ratios 101, 129
Capital resources 101, 130
Notes on the consolidated accounts 451
Cash flow statement
Business review 100
Consolidated 359
Notes on the consolidated accounts 462, 463
Parent company 478
Parent company notes 485, 486
Central functions/items 31, 41, 91, 464
Chairman’s statement 10
Charitable contributions 349
Competition 42
Consolidated financial statements
Consolidated balance sheet 355
Consolidated cash flow statement 359
Consolidated income statement 353
Consolidated statement of changes in equity 356
Consolidated statement of comprehensive income 354
Notes on the consolidated accounts 373
Contingent liabilities and commitments 453
Corporate governance
Compliance report 343
Risk management 117
The Board and its committees 297
Debt securities
Risk and balance sheet management 209
Notes on the consolidated accounts 419
Parent company notes 482
Deposits
Customer accounts 388
Deposits by banks 388
Derivatives
Risk and balance sheet management 220
Notes on the consolidated accounts 417
Description of business 40
Direct Line Group 29, 41, 87, 464
Directors
Biographies 298
Interests in shares 339
Remuneration 332
Remuneration policy 325
Report of the directors 345
Service contracts and exit payment policy 330
Discontinued operations
Notes on the consolidated accounts 427
Disposal groups
Notes on the consolidated accounts 427
Dividends
History 522
Notes on the consolidated accounts 387
Earnings per share
Business review 46
Notes on the consolidated accounts 387
Employees
Business review 66
Costs 375
Headcount 376
Report of the directors 346
Variable compensation 379