RBS 2013 Annual Report Download - page 157
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Business review
155
2013 2012 2011
Performance ratio
Net interest margin (0.19%) 0.31% 0.60%
£bn £bn £bn
Capital and balance sheet
Loans and advances to customers (gross) (1) 35.6 55.4 79.4
Loan impairment provisions (13.8) (11.2) (11.5)
Net loans and advances to customers 21.8 44.2 67.9
Total third party assets (excluding derivatives) 28.0 57.4 92.5
Total third party assets (including derivatives) 31.2 63.4 103.6
Risk elements in lending (1) 19.0 21.4 24.0
Provision coverage (2) 73% 52% 48%
Customer deposits (1) 2.2 2.7 3.5
Risk-weighted assets
- credit risk
- non-counterparty 21.0 45.1 65.6
- counterparty 3.7 11.5 20.2
- market risk 3.3 5.4 13.0
- operational risk 1.2 (1.6) (5.5)
Total risk-weighted assets 29.2 60.4 93.3
Gross customer loans and advances
Banking & portfolios 35.4 54.5 77.3
International businesses 0.2 0.9 2.0
Markets — — 0.1
35.6 55.4 79.4
Risk-weighted assets
Banking & portfolios 26.2 53.3 64.8
International businesses 0.7 2.4 4.1
Markets 2.3 4.7 24.4
29.2 60.4 93.3
Third party assets (excluding derivatives)
Banking & portfolios 25.9 51.1 80.1
International businesses 0.3 1.2 2.9
Markets 1.8 5.1 9.5
28.0 57.4 92.5
For the notes to this table refer to the following page.