RBS 2013 Annual Report Download - page 223
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Business review Risk and balance sheet management
221
Contractual maturity
The following table shows the residual maturity of financial instruments, based on contractual date of maturity. Held-for-trading (HFT) assets and
liabilities have been excluded from the maturity analysis in view of their short-term nature and are shown in total in the table below. Hedging derivatives
are included within the relevant maturity bands.
Other than held-for-trading (HFT)
Total
Less than 6 months More than excluding
1 month 1-3 months 3-6 months -1 year Subtotal 1-3 years 3-5 years 5 years HFT HFT Total
2013 £m £m £m £m £m £m £m £m £m £m £m
Cash and balances at central banks 82,661 — — — 82,661 — — — 82,661 — 82,661
Bank reverse repos 652 110 — — 762 — — — 762 25,795 26,557
Customer reverse repos — — — — — — — — — 49,897 49,897
Loans to banks 11,831 3,171 1,552 443 16,997 69 13 546 17,625 9,952 27,577
Loans to customers
- Personal 7,776 8,942 4,141 7,108 27,967 24,008 20,107 100,664 172,746 239 172,985
- Corporate 20,310 11,741 13,175 16,970 62,196 43,207 34,227 38,746 178,376 5,561 183,937
- Financial Institutions 6,072 1,435 2,264 2,346 12,117 5,173 1,915 3,093 22,298 13,370 35,668
Debt securities 1,608 954 1,787 2,324 6,673 7,425 8,782 34,161 57,041 56,582 113,623
Equity shares — — — — — — — 1,612 1,612 7,199 8,811
Settlement balances 5,591 — — — 5,591 — — — 5,591 — 5,591
Derivatives 546 — — 1,282 1,828 2,148 427 129 4,532 283,508 288,040
Total financial assets 137,047 26,353 22,919 30,473 216,792 82,030 65,471 178,951 543,244 452,103 995,347
Bank repos 3,045 1,297 — — 4,342 1,181 — — 5,523 23,127 28,650
Customer repos 3,059 1,125 — — 4,184 — — — 4,184 52,300 56,484
Deposits by banks 10,676 1,882 1,382 125 14,065 82 109 1,309 15,565 19,764 35,329
Customer accounts
- Personal 160,261 10,370 5,562 7,262 183,455 6,789 1,449 20 191,713 — 191,713
- Corporate 158,138 4,458 2,369 1,476 166,441 2,690 728 681 170,540 1,809 172,349
- Financial Institutions 41,632 1,265 636 498 44,031 661 450 38 45,180 8,427 53,607
Debt securities in issue 2,383 3,221 2,667 6,844 15,115 15,729 6,388 22,027 59,259 8,560 67,819
Settlement balances 5,313 — — — 5,313 — — — 5,313 — 5,313
Short positions — — — — — — — — — 28,022 28,022
Derivatives 1 130 271 —402 933 1,190 1,703 4,228 281,299 285,527
Subordinated liabilities 16 124 150 1,060 1,350 3,944 4,078 14,640 24,012 — 24,012
Other liabilities 1,764 — — — 1,764 216 1 1,783 — 1,783
Total financial liabilities 386,288 23,872 13,037 17,265 440,462 32,011 14,408 40,419 527,300 423,308 950,608