RBS 2015 Annual Report Download - page 18

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FY 2015 – Balance Sheet
14
Customer balances (£bn) FY 2015 Q3 2015 vs.Q3
2015 FY 2014 vs. FY
2014
Funded assets
553 581 (5%) 697 (21%)
Net loans & advances to
customers
306 311 (2%) 334 (8%)
Customer deposits
343 346 (1%) 354 (3%)
Liquidity and funding
Loan
-to-deposit ratio (%) 89% 89% +0ppts 95% (6ppts)
Liquidity coverage ratio (%)
136% 136% +0ppts 112% +24ppts
Liquidity portfolio (£bn)
156 164 (5%) 151 +3%
Capital & leverage(21)
Leverage exposure (£
bn) 703 847 (17%) 940 (25%)
Leverage ratio (%)
5.6% 5.0% +60bps 4.2% +140bps
CET1 capital (£
bn) 37.6 40.2 (6%) 39.9 (6%)
CET1 ratio (%)
15.5% 12.7% +280bps
11.2% +430bps
RWAs (£
bn) 242.6 316.0 (23%) 355.9 (32%)
TNAV
TNAV per share (p)
352p 371p (19p) 374p (22p)
Tangible equity (£
bn) 40.9 42.9 (5%) 42.9 (5%)
FY 2015
Funded Assets down
20.7%
Leverage Exposure
down 25.2%
RWAs down 31.8%
LDR ratio - 89%
LCR ratio - 136%
TNAV per share -
352p