RBS 2013 Annual Report Download - page 120
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Business review
118
Average balance sheet and related interest continued
Statutory 2013 Statutory 2012
Average Average
balance Interest Rate balance Interest Rate
£m £m %£m £m %
A
ssets
Loans and advances to banks - UK 42,466 261 0.61 33,656 248 0.74
- Overseas 32,240 169 0.52 40,342 245 0.61
Loans and advances to customers - UK 256,728 11,022 4.29 277,646 11,326 4.08
- Overseas 143,128 4,065 2.84 151,740 4,862 3.20
Debt securities - UK 38,391 628 1.64 50,457 1,023 2.03
- Overseas 30,928 561 1.81 40,221 834 2.07
Interest-earning assets - UK 337,585 11,911 3.53 361,759 12,597 3.48
- Overseas 206,296 4,795 2.32 232,303 5,941 2.56
Total interest-earning assets - banking business (1,3,5) 543,881 16,706 3.07 594,062 18,538 3.12
- trading business (10) 216,211 240,131
Interest-earning assets 760,092 834,193
Non-interest-earning assets 467,274 596,179
Total assets 1,227,366 1,430,372
Percentage of assets applicable to overseas operations 33.0% 37.8%
Liabilities
Deposits by banks - UK 7,997 144 1.80 18,276 196 1.07
- Overseas 15,654 262 1.67 20,200 404 2.00
Customer accounts: demand deposits - UK 123,707 501 0.40 121,541 643 0.53
- Overseas 35,733 169 0.47 35,087 210 0.60
Customer accounts: savings deposits - UK 93,245 1,266 1.36 84,972 1,479 1.74
- Overseas 28,864 101 0.35 26,989 133 0.49
Customer accounts: other time deposits - UK 31,714 433 1.37 39,813 522 1.31
- Overseas 22,806 361 1.58 25,558 504 1.97
Debt securities in issue - UK 50,684 1,244 2.45 69,272 1,831 2.64
- Overseas 5,239 145 2.77 22,469 342 1.52
Subordinated liabilities - UK 17,775 650 3.66 16,026 490 3.06
- Overseas 6,413 206 3.21 5,891 189 3.21
Internal funding of trading business - UK (24,041) 348 (1.45) (21,140) 264 (1.25)
- Overseas 4,477 (19) (0.42) 11,992 (65) (0.54)
Interest-bearing liabilities - UK 301,081 4,586 1.52 328,760 5,425 1.65
- Overseas 119,186 1,225 1.03 148,186 1,717 1.16
Total interest-bearing liabilities - banking business (1,3) 420,267 5,811 1.38 476,946 7,142 1.50
- trading business (10) 223,264 248,647
Interest-bearing liabilities 643,531 725,593
Non-interest-bearing liabilities:
Demand deposits - UK 55,303 46,420
- Overseas 21,304 27,900
Other liabilities 438,679 556,651
Owners' equity 68,549 73,808
Total liabilities and owners' equity 1,227,366 1,430,372
Percentage of liabilities applicable to overseas operations 28.7% 33.9%
For the notes to this table refer to page 115.