RBS 2014 Annual Report Download - page 65
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63
RBS – Interim Results 2015
RBS Capital Resolution
Capital deductions
Beginning Risk End of
of period Repayments Disposals (1) parameters (2) Impairments Other (3) period
Half year ended 30 June 2015 £m £m £m £m £m £m £m
Ulster Bank 258 (1) (156) (14) 85 (27) 145
Real Estate Finance 111 (27) (86) 96 1 (24) 71
Corporate 112 (47) (43) 87 (4) (9) 96
Markets 53 (8) (5) (4) - (3) 33
Total 534 (83) (290) 165 82 (63) 345
Quarter ended 30 June 2015
Ulster Bank 236 (1) (49) (27) - (14) 145
Real Estate Finance 158 (7) (87) 20 (7) (6) 71
Corporate 15 924 46 15 (13) 96
Markets 37 (5) - 1 - - 33
Total 446 (4) (112) 40 8 (33) 345
Life to date
Ulster Bank 559 (31) (382) (130) 166 (37) 145
Real Estate Finance 505 (423) (769) 717 79 (38) 71
Corporate 477 (239) (156) 104 (106) 16 96
Markets 291 (23) (85) (143) 1 (8) 33
Total 1,832 (716) (1,392) 548 140 (67) 345
RWA equivalent (4)
Beginning Risk End of
of period Repayments Disposals (1) parameters (2) Impairments Other (3) period
Half year ended 30 June 2015 £bn £bn £bn £bn £bn £bn £bn
Ulster Bank 3.9 -(2.0) (0.4) 0.8 (0.3) 2.0
Real Estate Finance 5.8 (0.8) (1.6) 0.2 (0.1) (0.4) 3.1
Corporate 8.3 (1.0) (2.2) 0.1 (0.1) 0.1 5.2
Markets 9.3 (0.8) (0.5) (0.1) - (0.3) 7.6
Total 27.3 (2.6) (6.3) (0.2) 0.6 (0.9) 17.9
Quarter ended 30 June 2015
Ulster Bank 3.1 -(0.6) (0.4) - (0.1) 2.0
Real Estate Finance 5.3 (0.5) (1.2) (0.3) (0.1) (0.1) 3.1
Corporate 5.0 (0.1) (0.2) 0.6 0.1 (0.2) 5.2
Markets 8.3 (0.5) (0.1) (0.1) - - 7.6
Total 21.7 (1.1) (2.1) (0.2) - (0.4) 17.9
Life to date
Ulster Bank 8.9 (0.8) (4.7) (2.5) 1.5 (0.4) 2.0
Real Estate Finance 18.6 (7.0) (9.8) 1.1 0.6 (0.4) 3.1
Corporate 21.1 (5.0) (6.2) (3.9) (1.5) 0.7 5.2
Markets 16.4 (3.6) (4.0) (1.2) - - 7.6
Total 65.0 (16.4) (24.7) (6.5) 0.6 (0.1) 17.9
Notes:
(1) Includes all effects relating to disposals, including associated removal of deductions from regulatory capital.
(2) Principally reflects credit migration and other technical adjustments.
(3) Includes fair value adjustments and foreign exchange movements.
(4) RWA equivalent (RWAe) is an internal metric that measures the equity capital employed in segments. RWAe converts both performing and non-performing exposures into
a consistent capital measure, being the sum of the regulatory RWAs and the regulatory capital deductions, the latter converted to RWAe by applying a multiplier. RBS
applies a CET1 ratio of 10% for RCR; this results in an end point CRR RWAe conversion multiplier of 10.