RBS 2012 Annual Report Download - page 539

RBS GROUP 2012
537
Financial instruments
Accounting policies 364
Critical accounting policies 371
Notes on the consolidated accounts 388
Parent company notes 480
Financial Services Compensation Scheme 454
Financial summary 488
Forward-looking statements 39
Glossary of terms 528
Going concern
Report of the directors 347
Goodwill
Critical accounting policies 369
Notes on the consolidated accounts 421
Group Chief Executive’s review 12
Group Performance and Remuneration Committee
Directors’ remuneration report 322
Letter from the Chair of the Group Performance and Remuneration
Committee 320
Impairment
Accounting policies 365
Business review 62
Critical accounting policies 370
Notes on the consolidated accounts 415
Income statement
Business review 45
Consolidated 353
Parent company 479
Insurance claims
Accounting policy 363
Business review 59
Critical accounting policies 369
Insurance premium income
Accounting policies 363
Business review 57
Intangible assets
Accounting policies 361
Segmental analysis of goodwill 470
Notes on the consolidated accounts 421
Interest Rate Hedging Products redress and related costs
Notes on the consolidated accounts 375
Critical accounting policies 469
Internal control 312
International Banking 25, 75
Investigations and reviews 457
Litigation 455
Loans and advances
Loans and advances to banks 388
Loans and advances to customers 388, 490
Markets 28, 41, 84, 464
Material contracts 501
Net interest income
Business review 50
Notes on the consolidated accounts 373
Non-Core 41, 42, 92, 464
Non-interest income
Business review 57
Notes on the consolidated accounts 374
Operating expenses
Business review 59
Notes on the consolidated accounts 375
Parent company
Balance sheet 475
Cash flow statement 478
Income statement 479
Statement of changes in equity 476
Statement of comprehensive income 479
Notes 479
Payment Protection Insurance
Notes on the consolidated accounts 375
Critical accounting policies 369
Pensions
Accounting policies 361
Critical accounting policies 368
Notes on the consolidated accounts 380
Pension risk 292
Post balance sheet events 474
Potential problem loans 494
Presentation of information 37
Principal subsidiaries 482
Property, plant and equipment
Accounting policies 362
Notes on the consolidated accounts 424
Provisions
Accounting policies 363
Additional information 491
Notes on the consolidated accounts 415, 430