RBS 2014 Annual Report Download - page 29

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27
RBS – Interim Results 2015
Segment performance
Quarter 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 1,147 132 1,279 562 126 688 174 88 551 (14) 2,766
Non-interest income 322 46 368 330 81 411 346 173 246 59 1,603
Total income 1,469 178 1,647 892 207 1,099 520 261 797 45 4,369
Direct expenses
- staff costs (231) (60) (291) (126) (67) (193) (142) (585) (275) (31) (1,517)
- other costs (69) (16) (85) (56) (14) (70) (71) (732) (215) (7) (1,180)
Indirect expenses (463) (63) (526) (208) (96) (304) (521) 1,366 - (15) -
Restructuring costs
- direct - (18) (18) (10) (3) (13) (195) (797) (27) - (1,050)
- indirect (20) (1) (21) (7) (81) (88) (539) 648 - - -
Litigation and conduct costs (10) 8(2) (59) (26) (85) (373) 1- - (459)
Operating expenses (793) (150) (943) (466) (287) (753) (1,841) (99) (517) (53) (4,206)
Profit/(loss) before impairment losses 676 28 704 426 (80) 346 (1,321) 162 280 (8) 163
Impairment (losses)/releases (9) 52 43 (26) 2 (24) (13) 2(51) 184 141
Operating profit/(loss) 667 80 747 400 (78) 322 (1,334) 164 229 176 304
Additional information
Operating expenses - adjusted (£m) (2) (763) (139) (902) (390) (177) (567) (734) 49 (490) (53) (2,697)
Operating profit/(loss) - adjusted (£m) (2) 697 91 788 476 32 508 (227) 312 256 176 1,813
Return on equity (3) 32.1% 9.9% 24.7% 11.3% (20.1%) 7.5% (33.0%) nm 6.5% nm 2.7%
Return on equity - adjusted (2,3) 33.6% 11.3% 26.1% 13.7% 5.6% 12.7% (6.9%) nm 7.2% nm 14.1%
Cost:income ratio 54% 84% 57% 52% 139% 69% 354% nm 65% nm 96%
Cost:income ratio - adjusted (2) 52% 78% 55% 44% 86% 52% 141% nm 62% nm 62%
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.