RBS 2014 Annual Report Download - page 31

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29
RBS – Interim Results 2015
Segment performance
Quarter ended 31 March 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 1,143 133 1,276 546 128 674 202 62 553 (11) 2,756
Non-interest income 309 57 366 276 86 362 602 (130) 244 131 1,575
Total income 1,452 190 1,642 822 214 1,036 804 (68) 797 120 4,331
Direct expenses
- staff costs (225) (60) (285) (129) (76) (205) (180) (574) (289) (25) (1,558)
- other costs (71) (17) (88) (54) (12) (66) (78) (785) (207) (6) (1,230)
Indirect expenses (450) (63) (513) (225) (98) (323) (540) 1,393 - (17) -
Restructuring costs
- direct - - - - - - (16) (431) (6) - (453)
- indirect (30) 1 (29) (1) 1 - (275) 304 - - -
Litigation and conduct costs (354) - (354) - (2) (2) (500) - - - (856)
Operating expenses (1,130) (139) (1,269) (409) (187) (596) (1,589) (93) (502) (48) (4,097)
Profit/(loss) before impairment losses 322 51 373 413 27 440 (785) (161) 295 72 234
Impairment releases/(losses) 26 - 26 (1) 1 - 44 (50) (38) 109 91
Operating profit/(loss) 348 51 399 412 28 440 (741) (211) 257 181 325
Additional information
Operating expenses - adjusted (£m) (2) (746) (140) (886) (408) (186) (594) (798) 34 (496) (48) (2,788)
Operating profit/(loss) - adjusted (£m) (2) 732 50 782 413 29 442 50 (84) 263 181 1,634
Return on equity (3) 15.4% 6.2% 12.3% 11.9% 4.4% 10.9% (17.1%) nm 7.2% nm (4.1%)
Return on equity - adjusted (2,3) 34.3% 6.1% 25.2% 11.9% 4.6% 11.0% (0.4%) nm 7.4% nm 5.6%
Cost:income ratio 78% 73% 77% 50% 87% 58% 198% nm 63% nm 95%
Cost:income ratio - adjusted (2) 51% 74% 54% 50% 87% 57% 99% nm 62% nm 64%
Total assets (£bn) 134.6 26.6 161.2 93.3 17.9 111.2 623.8 93.8 91.8 22.8 1,104.6
Funded assets (£bn) 134.6 26.5 161.1 93.3 17.8 111.1 248.4 90.6 91.3 11.1 713.6
Risk-weighted assets (£bn) 42.6 22.4 65.0 65.5 10.2 75.7 102.8 15.9 72.0 17.2 348.6
RWA equivalent (£bn) (4) 46.4 21.5 67.9 71.0 10.2 81.2 105.1 16.2 72.2 21.7 364.3
Employee numbers (FTEs - thousands) 25.1 4.3 29.4 6.2 2.8 9.0 3.5 49.2 17.5 0.6 109.2
nm= not meaningful
For the notes to this table refer to page 30.