RBS 2013 Annual Report Download - page 277
Download and view the complete annual report
Please find page 277 of the 2013 RBS annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.-
1
-
2
-
3
-
4
-
5
-
6
-
7
-
8
-
9
-
10
-
11
-
12
-
13
-
14
-
15
-
16
-
17
-
18
-
19
-
20
-
21
-
22
-
23
-
24
-
25
-
26
-
27
-
28
-
29
-
30
-
31
-
32
-
33
-
34
-
35
-
36
-
37
-
38
-
39
-
40
-
41
-
42
-
43
-
44
-
45
-
46
-
47
-
48
-
49
-
50
-
51
-
52
-
53
-
54
-
55
-
56
-
57
-
58
-
59
-
60
-
61
-
62
-
63
-
64
-
65
-
66
-
67
-
68
-
69
-
70
-
71
-
72
-
73
-
74
-
75
-
76
-
77
-
78
-
79
-
80
-
81
-
82
-
83
-
84
-
85
-
86
-
87
-
88
-
89
-
90
-
91
-
92
-
93
-
94
-
95
-
96
-
97
-
98
-
99
-
100
-
101
-
102
-
103
-
104
-
105
-
106
-
107
-
108
-
109
-
110
-
111
-
112
-
113
-
114
-
115
-
116
-
117
-
118
-
119
-
120
-
121
-
122
-
123
-
124
-
125
-
126
-
127
-
128
-
129
-
130
-
131
-
132
-
133
-
134
-
135
-
136
-
137
-
138
-
139
-
140
-
141
-
142
-
143
-
144
-
145
-
146
-
147
-
148
-
149
-
150
-
151
-
152
-
153
-
154
-
155
-
156
-
157
-
158
-
159
-
160
-
161
-
162
-
163
-
164
-
165
-
166
-
167
-
168
-
169
-
170
-
171
-
172
-
173
-
174
-
175
-
176
-
177
-
178
-
179
-
180
-
181
-
182
-
183
-
184
-
185
-
186
-
187
-
188
-
189
-
190
-
191
-
192
-
193
-
194
-
195
-
196
-
197
-
198
-
199
-
200
-
201
-
202
-
203
-
204
-
205
-
206
-
207
-
208
-
209
-
210
-
211
-
212
-
213
-
214
-
215
-
216
-
217
-
218
-
219
-
220
-
221
-
222
-
223
-
224
-
225
-
226
-
227
-
228
-
229
-
230
-
231
-
232
-
233
-
234
-
235
-
236
-
237
-
238
-
239
-
240
-
241
-
242
-
243
-
244
-
245
-
246
-
247
-
248
-
249
-
250
-
251
-
252
-
253
-
254
-
255
-
256
-
257
-
258
-
259
-
260
-
261
-
262
-
263
-
264
-
265
-
266
-
267
-
268
-
269
-
270
-
271
-
272
-
273
-
274
-
275
-
276
-
277
-
278
-
279
-
280
-
281
-
282
-
283
-
284
-
285
-
286
-
287
-
288
-
289
-
290
-
291
-
292
-
293
-
294
-
295
-
296
-
297
-
298
-
299
-
300
-
301
-
302
-
303
-
304
-
305
-
306
-
307
-
308
-
309
-
310
-
311
-
312
-
313
-
314
-
315
-
316
-
317
-
318
-
319
-
320
-
321
-
322
-
323
-
324
-
325
-
326
-
327
-
328
-
329
-
330
-
331
-
332
-
333
-
334
-
335
-
336
-
337
-
338
-
339
-
340
-
341
-
342
-
343
-
344
-
345
-
346
-
347
-
348
-
349
-
350
-
351
-
352
-
353
-
354
-
355
-
356
-
357
-
358
-
359
-
360
-
361
-
362
-
363
-
364
-
365
-
366
-
367
-
368
-
369
-
370
-
371
-
372
-
373
-
374
-
375
-
376
-
377
-
378
-
379
-
380
-
381
-
382
-
383
-
384
-
385
-
386
-
387
-
388
-
389
-
390
-
391
-
392
-
393
-
394
-
395
-
396
-
397
-
398
-
399
-
400
-
401
-
402
-
403
-
404
-
405
-
406
-
407
-
408
-
409
-
410
-
411
-
412
-
413
-
414
-
415
-
416
-
417
-
418
-
419
-
420
-
421
-
422
-
423
-
424
-
425
-
426
-
427
-
428
-
429
-
430
-
431
-
432
-
433
-
434
-
435
-
436
-
437
-
438
-
439
-
440
-
441
-
442
-
443
-
444
-
445
-
446
-
447
-
448
-
449
-
450
-
451
-
452
-
453
-
454
-
455
-
456
-
457
-
458
-
459
-
460
-
461
-
462
-
463
-
464
-
465
-
466
-
467
-
468
-
469
-
470
-
471
-
472
-
473
-
474
-
475
-
476
-
477
-
478
-
479
-
480
-
481
-
482
-
483
-
484
-
485
-
486
-
487
-
488
-
489
-
490
-
491
-
492
-
493
-
494
-
495
-
496
-
497
-
498
-
499
-
500
-
501
-
502
-
503
-
504
-
505
-
506
-
507
-
508
-
509
-
510
-
511
-
512
-
513
-
514
-
515
-
516
-
517
-
518
-
519
-
520
-
521
-
522
-
523
-
524
-
525
-
526
-
527
-
528
-
529
-
530
-
531
-
532
-
533
-
534
-
535
-
536
-
537
-
538
-
539
-
540
-
541
-
542
-
543
-
544
-
545
-
546
-
547
-
548
-
549
-
550
-
551
-
552
-
553
-
554
-
555
-
556
-
557
-
558
-
559
-
560
-
561
-
562
-
563
-
564
Business review Risk and balance sheet management
275
Reverse Securities Other Balance Exposure
repos Lending Debt Equity Derivatives financial assets sheet value Offset (1) post offset
2012 £m £m £m £m £m £m £m £m £m
UK
Central and local government 441 8,087 62,722 — 5,582 47 76,879 (5,028) 71,851
Financial institutions - banks 24,856 22,651 6,110 1,175 193,892 40,851 289,535 (202,189) 87,346
- other (2) 42,203 33,955 16,834 2,069 62,810 2,946 160,817 (78,976) 81,841
Personal - mortgages — 109,530 — — — — 109,530 — 109,530
- unsecured — 20,498 — — — 4 20,502 — 20,502
Property — 53,730 547 282 3,954 — 58,513 (1,328) 57,185
Construction — 6,507 14 248 789 — 7,558 (1,666) 5,892
Manufacturing 326 10,058 579 1,553 1,286 111 13,913 (3,542) 10,371
Finance leases and instalment credit — 10,532 81 1 — — 10,614 — 10,614
Retail, wholesale and repairs — 11,531 397 1,634 701 41 14,304 (1,590) 12,714
Transport and storage — 10,577 527 361 2,049 2 13,516 (2,279) 11,237
Health, education and leisure — 11,901 144 548 818 59 13,470 (888) 12,582
Hotels and restaurants — 5,989 121 51 493 11 6,665 (344) 6,321
Utilities — 3,556 1,178 492 2,654 30 7,910 (2,515) 5,395
Other 19 15,843 1,085 4,757 2,647 140 24,491 (1,885) 22,606
Total gross of provisions 67,845 334,945 90,339 13,171 277,675 44,242 828,217 (302,230) 525,987
Provisions — (9,761) (420) (112) — — (10,293) n/a (10,293)
Total 67,845 325,184 89,919 13,059 277,675 44,242 817,924 (302,230) 515,694
US
Central and local government — 151 22,084 — 23 500 22,758 (17) 22,741
Financial institutions - banks 5,024 1,342 468 349 116,935 14,066 138,184 (115,459) 22,725
- other (2) 22,807 4,257 25,483 210 13,397 2,086 68,240 (14,720) 53,520
Personal - mortgages — 21,929 — — — — 21,929 — 21,929
- unsecured — 8,748 — — — — 8,748 — 8,748
Property — 3,343 8 26 34 — 3,411 — 3,411
Construction — 388 3 2 9 — 402 — 402
Manufacturing — 6,021 156 15 265 — 6,457 (215) 6,242
Finance leases and instalment credit — 2,471 — — — — 2,471 — 2,471
Retail, wholesale and repairs — 4,905 58 1 66 — 5,030 (52) 4,978
Transport and storage — 1,928 37 — 855 — 2,820 (800) 2,020
Health, education and leisure — 2,848 170 — 73 — 3,091 (70) 3,021
Hotels and restaurants — 490 23 — — — 513 — 513
Utilities — 966 100 15 273 — 1,354 (251) 1,103
Other 4 5,317 674 324 1,094 — 7,413 (277) 7,136
Total gross of provisions 27,835 65,104 49,264 942 133,024 16,652 292,821 (131,861) 160,960
Provisions — (916) — — — — (916) n/a (916)
Total 27,835 64,188 49,264 942 133,024 16,652 291,905 (131,861) 160,044
For the notes to these tables refer to page 278.