RBS 2012 Annual Report Download - page 55
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RBS GROUP 2012
53
Statutory 2012 Statutory 2011
Average
balance Interest Rate
Average
balance Interest Rate
£m £m % £m £m %
Assets
Loans and advances to banks - UK 33,656 248 0.74 29,843 277 0.93
- Overseas 40,342 245 0.61 41,716 403 0.97
Loans and advances to customers - UK 277,336 11,326 4.08 294,187 11,973 4.07
- Overseas 151,740 4,862 3.20 171,986 5,857 3.41
Debt securities -
UK 50,457 1,023 2.03 55,259 1,263 2.29
- Overseas 40,221 834 2.07 58,347 1,271 2.18
Interest-earning assets - UK 361,449 12,597 3.49
379,289 13,513 3.56
- Overseas 232,303 5,941 2.56 272,049 7,531 2.77
Total interest-earning assets - banking business (1,2,3,8) 593,752 18,538 3.12 651,338 21,044 3.23
- trading business (13) 240,131 278,975
Interest-earning assets 833,883 930,313
Non-interest-earning assets (1,2) 596,489 604,842
Total assets 1,430,372 1,535,155
Percentage of assets applicable to overseas operations 37.8% 40.2%
Liabilities
Deposits by banks - UK 18,276 196 1.07 17,224 242 1.41
- Overseas 20,200 404 2.00 47,371 740 1.56
Customer accounts: demand deposits - UK 121,252 643 0.53 112,777 666 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 25,558 504 1.97 34,371 594 1.73
Debt securities in issue - UK 69,272 1,831 2.64 119,735 2,755 2.30
- Overseas 22,469 342 1.52 42,473 765 1.80
Subordinated liabilities - UK 16,006 490 3.06 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 328,451 5,425 1.65 347,801 5,879 1.69
- Overseas 148,186 1,717 1.16 190,092 2,861 1.51
Total interest-bearing liabilities - banking business (1,2,5) 476,637 7,142 1.50 537,893 8,740 1.62
- trading business (13) 248,647 307,564
Interest-bearing liabilities 725,284 845,457
Non-interest-bearing liabilities:
Demand deposits - UK 46,420 46,495
- Overseas 27,900 19,909
Other liabilities (2,9) 557,508 548,255
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.