RBS 2014 Annual Report Download - page 28
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26
RBS – Interim Results 2015
Segment performance
Half year ended 30 June 2015
PBB CPB CIB
Ulste
r
Commercial Private Central Total
UK PBB Bank Total Banking Banking Total items (1) CFG RCR RBS
£m £m £m £m £m £m £m £m £m £m £m
Income statement
Net interest income 2,290 265 2,555 1,108 254 1,362 376 150 1,104 (25) 5,522
Non-interest income 631 103 734 606 167 773 948 43 490 190 3,178
Total income 2,921 368 3,289 1,714 421 2,135 1,324 193 1,594 165 8,700
Direct expenses
- staff costs (456) (120) (576) (255) (143) (398) (322) (1,159) (564) (56) (3,075)
- other costs (140) (33) (173) (110) (26) (136) (149) (1,517) (422) (13) (2,410)
Indirect expenses (913) (126) (1,039) (433) (194) (627) (1,061) 2,759 -(32) -
Restructuring costs
- direct - (18) (18) (10) (3) (13) (211) (1,228) (33) - (1,503)
- indirect (50) - (50) (8) (80) (88) (814) 952 -- -
Litigation and conduct costs (364) 8 (356) (59) (28) (87) (873) 1 -- (1,315)
Operating expenses (1,923) (289) (2,212) (875) (474) (1,349) (3,430) (192) (1,019) (101) (8,303)
Profit/(loss) before impairment losses 998 79 1,077 839 (53) 786 (2,106) 1 575 64 397
Impairment releases/(losses) 17 52 69 (27) 3(24) 31 (48) (89) 293 232
Operating profit/(loss) 1,015 131 1,146 812 (50) 762 (2,075) (47) 486 357 629
Additional information
Operating expenses - adjusted (£m) (2) (1,509) (279) (1,788) (798) (363) (1,161) (1,532) 83 (986) (101) (5,485)
Operating profit/(loss) - adjusted (£m) (2) 1,429 141 1,570 889 61 950 (177) 228 519 357 3,447
Return on equity (3) 23.6% 8.0% 18.4% 11.6% (7.5%) 9.2% (24.6%) nm 6.8% nm (0.7%)
Return on equity - adjusted (2,3) 34.0% 8.7% 25.7% 12.8% 5.1% 11.9% (3.5%) nm 7.3% nm 9.8%
Cost:income ratio 66% 79% 67% 51% 113% 63% 259% nm 64% nm 95%
Cost:income ratio - adjusted (2) 52% 76% 54% 47% 86% 54% 116% nm 62% nm 63%
Total assets (£bn) 135.4 26.5 161.9 94.5 17.0 111.5 482.4 105.2 87.2 16.5 964.7
Funded assets (£bn) 135.4 26.4 161.8 94.5 16.9 111.4 211.1 102.9 86.8 8.4 682.4
Risk-weighted assets (RWAs) (£bn) 41.0 21.2 62.2 66.9 9.8 76.7 88.0 15.3 69.8 14.4 326.4
RWA equivalent (£bn) (4) 44.6 20.7 65.3 72.0 9.8 81.8 89.7 15.4 70.0 17.9 340.1
Employee numbers (FTEs - thousands) 25.4 4.2 29.6 6.2 2.7 8.9 3.1 49.5 17.6 0.5 109.2
nm = not meaningful
For the notes to this table refer to page 30.