RBS 2014 Annual Report Download - page 58

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56
RBS – Interim Results 2015
Citizens Financial Group (£ Sterling)
30 June 31 March 31 Decembe
r
2015 2015 2014
£bn £bn Change £bn Change
Capital and balance sheet
Loans and advances to customers (gross) 61.9 64.0 (3%) 60.1 3%
Loan impairment provisions (0.5) (0.6) (17%) (0.5) -
Net loans and advances to customers 61.4 63.4 (3%) 59.6 3%
Total assets 87.2 91.8 (5%) 84.9 3%
Funded assets 86.8 91.3 (5%) 84.5 3%
Investment securities 16.0 16.9 (5%) 15.8 1%
Risk elements in lending 1.2 1.4 (14%) 1.3 (8%)
Provision coverage (1) 43% 41% 200bp 40% 300bp
Customer deposits (excluding repos) 63.8 65.8 (3%) 60.6 5%
Bank deposits (excluding repos) 4.5 5.1 (12%) 5.1 (12%)
Loan:deposit ratio (excluding repos) 96% 96% -98% (200bp)
Risk-weighted assets (2)
- Credit risk
- non-counterparty 64.0 66.1 (3%) 62.4 3%
- counterparty 0.9 1.0 (10%) 0.9 -
- Operational risk 4.9 4.9 - 5.1 (4%)
Total risk-weighted assets 69.8 72.0 (3%) 68.4 2%
Spot exchange rate - US$/£ 1.572 1.485 1.562
Notes:
(1) Provision coverage represents loan impairment provisions as a percentage of risk elements in lending.
(2) RWAs on an end-point CRR basis.
Key points
● Sterling strengthened against the US Dollar during the first half of 2015, with the spot exchange rate at
the 30 June 2015 increasing 1% compared with 31 December 2014.
● Performance is described in full in the US Dollar based financial statements set out on pages 57 to 59.
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