RBS 2014 Annual Report Download - page 30
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28
RBS – Interim Results 2015
Segment performance
Half year ended 30 June 2014
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 2,276 323 2,599 999 344 1,343 365 203 987 (1) 5,496
Non-interest income 686 89 775 569 201 770 2,062 146 620 109 4,482
Total income 2,962 412 3,374 1,568 545 2,113 2,427 349 1,607 108 9,978
Direct expenses
- staff costs (469) (125) (594) (266) (151) (417) (487) (1,241) (512) (89) (3,340)
- other costs (224) (35) (259) (122) (29) (151) (250) (1,811) (501) (32) (3,004)
Indirect expenses (958) (126) (1,084) (402) (217) (619) (1,180) 2,938 - (55) -
Restructuring costs
- direct (6) 8 2 (40) (2) (42) (22) (383) (69) - (514)
- indirect (13) (22) (35) (22) (1) (23) (169) 227 - - -
Litigation and conduct costs (150) - (150) (50) - (50) (50) - - - (250)
Operating expenses (1,820) (300) (2,120) (902) (400) (1,302) (2,158) (270) (1,082) (176) (7,108)
Profit/(loss) before impairment losses 1,142 112 1,254 666 145 811 269 79 525 (68) 2,870
Impairment (losses)/releases (148) (57) (205) (31) - (31) 39 12 (104) 20 (269)
Operating profit/(loss) 994 55 1,049 635 145 780 308 91 421 (48) 2,601
Additional information
Operating expenses - adjusted (£m) (2) (1,651) (286) (1,937) (790) (397) (1,187) (1,917) (114) (1,013) (176) (6,344)
Operating profit/(loss) - adjusted (£m) (2) 1,163 69 1,232 747 148 895 549 247 490 (48) 3,365
Return on equity (3) 21.8% 2.9% 15.5% 9.5% 12.9% 10.0% 1.6% nm 6.9% nm 6.9%
Return on equity - adjusted (2,3) 25.7% 3.7% 18.3% 11.3% 13.2% 11.6% 3.5% nm 8.0% nm 9.7%
Cost:income ratio 61% 73% 63% 58% 73% 62% 89% nm 67% nm 71%
Cost:income ratio - adjusted (2) 56% 69% 57% 50% 73% 56% 79% nm 63% nm 64%
Total assets (£bn) 133.6 26.7 160.3 88.6 20.8 109.4 537.6 93.3 76.1 34.4 1,011.1
Funded assets (£bn) 133.6 26.6 160.2 88.6 20.8 109.4 278.7 91.3 75.7 20.9 736.2
Risk-weighted assets (£bn) 47.0 27.7 74.7 63.0 11.8 74.8 127.8 19.0 60.7 35.1 392.1
RWA equivalent (RWAs) (£bn) (4) 48.8 23.0 71.8 69.2 11.8 81.0 129.8 19.3 60.7 43.5 406.1
Employee numbers (FTEs - thousands) 25.1 4.5 29.6 7.1 3.4 10.5 4.3 50.6 17.7 0.9 113.6
nm = not meaningful
For the notes to this table refer to page 30.