falsedesktopRBS2013-12-31000095010314003135{"tbl_sim": "https://q10k.com/tbl-sim", "search": "https://q10k.com/search"}{"q10k_tbl_0": "Title of each class\tName of each exchange on which registered\nAmerican Depositary Shares each representing 2 ordinary shares nominal value £1 per share Ordinary shares nominal value £1 per share\tNew York Stock Exchange New York Stock Exchange*\nAmerican Depositary Shares Series F H L M N P Q R S T and U each representing one Non-Cumulative Dollar Preference Share Series F H L M N P Q R S T and U respectively\tNew York Stock Exchange\n3.250% Senior Notes due 2014\tNew York Stock Exchange\n3.950% Senior Notes due 2015\tNew York Stock Exchange\n4.875% Senior Notes due 2015\tNew York Stock Exchange\n2.550% Senior Notes due 2015\tNew York Stock Exchange\n4.375% Senior Notes due 2016\tNew York Stock Exchange\nFloating Rate Senior Note due 2017\tNew York Stock Exchange\n1.875% Senior Notes due 2017\tNew York Stock Exchange\n5.625% Senior Notes due 2020\tNew York Stock Exchange\n6.125% Senior Notes due 2021\tNew York Stock Exchange\n6.125% Subordinated Tier 2 Notes due 2022\tNew York Stock Exchange\n6.000% Subordinated Tier 2 Notes due 2023\tNew York Stock Exchange\n6.100% Subordinated Tier 2 Notes due 2023\tNew York Stock Exchange\nStructured HybrId Equity Linked Securities (SHIELDS) due January 16 2014 linked to the S&P 500 Index\tNYSE MKT\nLeveraged CPI Linked Securities due January 13 2020\tNYSE MKT\nRBS US Large Cap TrendpilotTM Exchange Traded Notes due December 7 2040\tNYSE Arca\nRBS US Mid Cap TrendpilotTM Exchange Traded Notes due January 25 2041\tNYSE Arca\nRBS Gold TrendpilotTM Exchange Traded Notes due February 15 2041\tNYSE Arca\nRBS Oil TrendpilotTM Exchange Traded Notes due September 13 2041\tNYSE Arca\nRBS Global Big Pharma Exchange Traded Notes due October 25 2041\tNYSE Arca\nRBS NASDAQ-100® TrendpilotTM Exchange Traded Notes due December 13 2041\tNYSE Arca\nRBS China TrendpilotTM Exchange Traded Notes due April 18 2042\tNYSE Arca\nRBS US Large Cap Alternator Exchange Traded NotesTM due September 5 2042\tNYSE Arca\nRBS Rogers Enhanced Commodity Index Exchange Traded Notes due October 29 2042\tNYSE Arca\nRBS Rogers Enhanced Agriculture Exchange Traded Notes due October 29 2042\tNYSE Arca\nRBS Rogers Enhanced Energy Exchange Traded Notes due October 29 2042\tNYSE Arca\nRBS Rogers Enhanced Precious Metals Exchange Traded Notes due October 29 2042\tNYSE Arca\nRBS Rogers Enhanced Industrial Metals Exchange Traded Notes due October 29 2042\tNYSE Arca\n______________________________________ * Not for trading but only in connection with the registration of American Depositary Shares representing such ordinary shares pursuant to the requirements of the Securities and Exchange Commission.\t\n", "q10k_tbl_1": "(Title of each class)\t(Number of outstanding shares)\nOrdinary shares of £1 each B Shares Dividend Access Share 11% cumulative preference shares 5½% cumulative preference shares Non-cumulative dollar preference shares Series F H and L to U Non-cumulative convertible dollar preference shares Series 1 Non-cumulative euro preference shares Series 1 to 3 Non-cumulative convertible sterling preference shares Series 1 Non-cumulative sterling preference shares Series 1\t6203022294 51000000000 1 500000 400000 209609154 64772 2044418 14866 54442\n", "q10k_tbl_2": "Item\tItem Caption\tPages\nPART I\t\t\n1\tIdentity of Directors Senior Management\tNot applicable\n\tAdvisers\t\n2\tOffer Statistics and Expected Timetable\tNot applicable\n3\tKey Information\t\n\tSelected financial data\t111-112 453-456 497-498 507 532-534\n\tCapitalisation and indebtedness\tNot applicable\n\tReasons for the offer and use of proceeds\tNot applicable\n\tRisk factors\t109-110 513-526\n4\tInformation on the Company\t116-120 166 204-354 428-429 432-433 438-439 497-507 561\n\tHistory and development of the Company\t3 97-98 106 108-110 440-442 465 509 547\n\tBusiness overview\t13 32 106-110 127-161 355-356 97-98 478-485 508-511\n\tOrganisational structure\t106-107 478\n\tProperty plant and equipment\t438-439 509\n4A\tUnresolved Staff Comments\tNot applicable\n5\tOperating and Financial Review and Prospects\t\n\tOperating results\t32 108 111-166 355-356 430-431 508-509\n\tLiquidity and capital resources\t165-166 187-221 398-428 430-434 438-439 446-452\n\t\t453-455 462-464 475-477 507\n\tResearch and development patents licences etc\tNot applicable\n\tTrend information\t106-108 513-526\n\tOff balance sheet arrangements\t459-461 464-465\n\tContractual obligations\t206-221 457-458 461 465\n6\tDirectors Senior Management and Employees\t\n\tDirectors and senior management\t42-45\n\tCompensation\t69-93 385-395 486\n\tBoard practices\t48-52 55-60 69-71 77 101\n\tEmployees\t98 127 387\n\tShare ownership\t82-84\n7\tMajor Shareholders and Related Party Transactions\t\n\tMajor shareholders\t102 509\n\tRelated party transactions\t487\n\tInterests of experts and counsel\tNot applicable\n8\tFinancial Information\t\n\tConsolidated statements and other financial information\t97 360-495 534\n\tSignificant changes\t107 488\n9\tThe Offer and Listing\t\n\tOffer and listing details\t532-533\n\tPlan of distribution\tNot applicable\n\tMarkets\t531\n\tSelling shareholders\tNot applicable\n\tDilution\tNot applicable\n\tExpenses of the issue\tNot applicable\n10\tAdditional Information\t\n\tShare capital\tNot applicable\n\tMemorandum and articles of association\t539-547\n\tMaterial contracts\t510-511\n\tExchange controls\t538\n\tTaxation\t535-538\n\tDividends and paying agents\tNot applicable\n\tStatement of experts\tNot applicable\n\tDocuments on display\t547\n\tSubsidiary information\tNot applicable\n11\tQuantitative and Qualitative Disclosure\t169-359 398-428 430-431\n\tabout Market Risk\t\n12\tDescription of Securities other than\t512\n\tEquity Securities\t\n", "q10k_tbl_3": "Item\tItem Caption\tPages\nPART II\t\t\n13\tDefaults Dividend Arrearages and Delinquencies\tNot applicable\n14\tMaterial Modifications to the Rights of Security\t\n\tHolders and Use of Proceeds\tNot applicable\n15\tControls and Procedures\t57-60 94-96 361\n16\t[Reserved]\t\n16\tA Audit Committee financial expert\t55-60\n16\tB Code of ethics\t99\n16\tC Principal Accountant Fees and services\t55-60 395\n16\tD Exemptions from the Listing Standards\tNot applicable\n\tfor Audit Committees\t\n16\tE Purchases of Equity Securities by the\tNot applicable\n\tIssuer and Affiliated Purchasers\t\n16\tF Change in Registrant's Certifying Accountant\tNot applicable\n16\tG Corporate Governance\t48-52\n16\tH Mine Safety Disclosure\tNot applicable\nPART III\t\t\n17\tFinancial Statements\tNot applicable\n18\tFinancial Statements\t360-495\n19\tExhibits\t562\n\tSignature\t563\n", "q10k_tbl_4": "\tStrategic Report\n2\tPresentation of information\n3\tForward-looking statements\n3\tRecent Developments\n4\t2013 Financial Results\n8\tOur purpose and values\n10\tOur business model and strategy\n13\tRBS at a glance\n14\t- UK Retail\n15\t- UK Corporate\n16\t- Wealth\n17\t- International Banking\n18\t- Ulster Bank\n19\t- US Retail & Commercial\n20\t- Markets\n21\t- Non-Core\n21\t- Business Services\n22\tGovernance at a glance\n24\tChairman's statement\n26\tChief Executive's review\n32\tEconomic and monetary environment\n33\tRisk overview\n35\tSustainability\n\tDetailed information\n38\tGovernance report\n104\tBusiness review\n169\tRisk and balance sheet management\n360\tFinancial statements\n496\tAdditional information\n528\tShareholder information\n548\tAbbreviations and acronyms\n549\tGlossary of terms\n558\tIndex\n561\tImportant addresses\n", "q10k_tbl_5": "(1)\tIncludes the impact of business exits such as Citizens Financial Group and Williams & Glyn; bank levy; restructuring costs; and from 2015 the EU resolution fund charge.\n(2)\tDuring the year the Group recognised £4823 million of impairment and other losses related to the establishment of RCR. This comprises impairment losses of £4490 million (of which £173 million relate to core Ulster Bank assets which were not transferred to RCR but are subject to the same strategy) and £333 million reduction in income reflecting asset valuation adjustments.\n", "q10k_tbl_6": "\tPersonal & Business Banking\tCommercial & Private Banking\tCorporate & Institutional Banking\nCEO\tLes Matheson\tAlison Rose\tDonald Workman\nRWAs profile (%)(1)\t~35%\t~30%\t~35%\nOperating profit profile (%)(1)\t~50%\t~30%\t~20%\nTarget RoE(1)\t15%+\t15%+\t~10%(2)\n", "q10k_tbl_7": "\tMeasure\t2013\tMedium term\tLong term\nCustomer\tService(1)\t<25% of businesses at #1\t\tAll businesses at #1\n\tTrust\t\t\t#1 trusted bank in the UK\nPeople\tGreat place to work\t\t\tEngagement index ≥ Global Financial Services norm (2)\nEfficiency\tCost:income ratio\t73%(3)\t~55%(3)\t~50%(3)\n\tCosts\t£13.3 billion\t~£8 billion(3)\t\nReturns\tReturn on tangible equity(4)\tNegative\t~9-11%\t12%+\nCapital strength\tCommon Equity Tier 1 ratio(5)\t8.6%\t≥12%\t≥12%\n\tLeverage ratio(5)\t3.5%\t3.5-4%\t≥4%\n", "q10k_tbl_8": "Performance highlights\t2013\t2012\nReturn on equity (%)\t26.3\t24.4\nCost:income ratio (%)\t54\t51\nLoan:deposit ratio (%)\t97\t97\nRisk-weighted assets (£bn)\t43.9\t44.8\n", "q10k_tbl_9": "Performance highlights\t2013\t2012\nReturn on equity (%)\t7.9\t14.5\nCost:income ratio (%)\t50\t44\nLoan:deposit ratio (%)\t80\t82\nRisk-weighted assets (£bn)\t86.1\t86.3\n", "q10k_tbl_10": "Performance highlights\t2013\t2012\nReturn on equity (%)\t12.0\t13.1\nCost:income ratio (%)\t77\t75\nLoan:deposit ratio (%)\t45\t44\nRisk-weighted assets (£bn)\t12.0\t12.3\n", "q10k_tbl_11": "Performance highlights\t2013\t2012\nReturn on equity (%)\t3.9\t9.1\nCost:income ratio (%)\t73\t66\nLoan:deposit ratio (%)\t91\t91\nRisk-weighted assets (£bn)\t49.0\t51.9\n", "q10k_tbl_12": "Performance highlights\t2013\t2012\nReturn on equity (%)\t(32.4)\t(21.8)\nCost:income ratio (%)\t64\t62\nLoan:deposit ratio (%)\t120\t130\nRisk-weighted assets (£bn)\t30.7\t36.1\n", "q10k_tbl_13": "Performance highlights\t2013\t2012\nReturn on equity (%)\t7.2\t8.9\nCost:income ratio (%)\t73\t71\nLoan:deposit ratio (%)\t91\t86\nRisk-weighted assets (£bn)\t56.1\t56.5\n", "q10k_tbl_14": "Performance highlights\t2013\t2012\nReturn on equity (%)\t5.0\t9.6\nCost:income ratio (%)\t79\t66\nRisk-weighted assets (£bn)\t64.5\t101.3\n", "q10k_tbl_15": "39\tLetter from the Chairman\n41\tOur governance structure\n42\tOur Board\n46\tExecutive Committee\n48\tCorporate governance\n53\tReport of the Group Nominations Committee\n55\tReport of the Group Audit Committee\n61\tReport of the Board Risk Committee\n67\tReport of the Group Sustainability Committee\n69\tDirectors' Remuneration Report\n90\tOther Remuneration Disclosures\n94\tCompliance report\n97\tReport of the directors\n103\tStatement of directors' responsibilities\n", "q10k_tbl_16": "Chairman\t\t\n\tPhilip Hampton (age 60) Date of appointment: 19 January 2009 (Board) 3 February 2009 (Chairman) Experience: Previously chairman of J Sainsbury plc and group finance director at Lloyds TSB Group BT Group plc BG Group plc British Gas and British Steel plc an executive director of Lazards and a non-executive director of RMC Group plc and Belgacom SA. He is also a former chairman of UK Financial Investments Limited which manages the UK Government's shareholdings in banks.\tExternal appointment(s): · Non-executive director chairman of the remuneration committee and member of the audit committee of Anglo American plc and senior independent director with effect from April 2014. Committee membership(s) · Group Nominations Committee (Chair) · RCR Board Oversight Committee\nExecutive directors\t\t\nGroup Chief Executive\tRoss McEwan (age 56) Date of appointment: 1 October 2013 Experience: Has more than 25 years experience in the finance insurance and investment industries. He joined RBS in August 2012 as Chief Executive Officer for UK Retail having previously been Group Executive for Retail Banking Services and Executive General Manager responsible for the branch network contact centres and third party mortgage brokers at Commonwealth Bank of Australia Managing Director of stockbroking business First NZ Capital Securities and Chief Executive of National Mutual Life Association of Australasia Ltd/AXA New Zealand Ltd.\tExternal appointment(s): None Committee membership(s) · Executive Committee\nGroup Finance Director\tNathan Bostock (age 53) Date of appointment: 1 October 2013. Nathan Bostock has since confirmed his resignation although his leaving date is still to be agreed. Experience: Joined RBS in 2009 as Head of Restructuring and Risk and Group Chief Risk Officer. Prior to this he spent eight years with Abbey National plc (now Santander UK) latterly as Chief Financial Officer ten years with RBS in a number of roles including Chief Operating Officer of Treasury and Capital Markets and Group Risk Director and seven years with Chase Manhattan Bank in a variety of areas and functions. He is a chartered accountant and holds a BSc (Hons) in Mathematics.\tExternal appointment(s): None Committee membership(s) · Executive Committee\n", "q10k_tbl_17": "Independent non-executive directors\t\nSandy Crombie (age 65) Date of appointment: 1 June 2009 Experience: Previously group chief executive of Standard Life plc. He was also previously a director of the Association of British Insurers a member of the former Chancellor of the Exchequer's High Level Group on Financial Services and Chairman of the Edinburgh World City of Literature Trust. In 2007 he was the Prince of Wales' Ambassador for Corporate Social Responsibility in Scotland.\tExternal appointment(s): · Chairman of Creative Scotland · Member and vice-chairman of the Board of Governors of The Royal Conservatoire of Scotland · President of the Cockburn Association Committee membership(s): · Group Sustainability Committee (Chair) · Board Risk Committee · Group Nominations Committee · Group Performance and Remuneration Committee · RCR Board Oversight Committee\nAlison Davis (age 52) Date of appointment: 1 August 2011 Experience: Managing partner of Fifth Era an investment firm focussed on early stage technology investments. Previously she served as a director of City National Bank and First Data Corporation and as chair of the board of LECG Corporation. She has also worked at McKinsey & Company AT Kearney as Chief Financial Officer at Barclays Global Investors (now BlackRock) and managing partner of Belvedere Capital a private equity firm focused on buy-outs in the financial services sector.\tExternal appointment(s): · Managing partner of Fifth Era Financial LLC · Non-executive director and member of the finance and compensation committees of Unisys Corporation · Non-executive director chair of the compensation committee and member of the audit committee of Diamond Foods Inc. · Non-executive director and chair of the audit committee of Xoom Corporation · Non-executive director and chair of the audit committee at Gamefly Inc · Director of the Governing Board of Women's Initiative for Self Employment Committee membership(s): · Group Nominations Committee · Group Performance and Remuneration Committee · Group Sustainability Committee\nTony Di Iorio (age 70) Date of appointment: 1 September 2011 Experience: Began his career at Peat Marwick (now KPMG) where he worked in the firm's Financial Institutions Practice in New York and Chicago. After leaving Peat Marwick he worked for several leading financial institutions including as Co-controller of Goldman Sachs Chief Financial Officer of the Capital Markets business of NationsBank (now Bank of America) Executive Vice President of Paine Webber and CEO of Paine Webber International. He joined Deutsche Bank in Frankfurt in 2001 and later became the Bank's Chief Financial Officer and a member of its Board and Group Executive Committee. After retiring in 2008 he served as senior adviser to Ernst & Young working with the firm's financial services partners in the UK Europe the Middle East and Africa. He is a non-executive director of RBS Citizens Financial Group Inc.\tExternal appointment(s): None Committee membership(s): ·Board Risk Committee ·Group Audit Committee ·Group Nominations Committee\n", "q10k_tbl_18": "Independent non-executive directors\t\nRobert Gillespie (age 58) Date of appointment: 2 December 2013 Experience: Began his career with Price Waterhouse (now PricewaterhouseCoopers) where he qualified as a chartered accountant. He then moved into banking joining SG Warburg specialising in corporate finance and was appointed as Co-Head and Managing Director of its US investment banking business in 1989. Following the acquisition of Warburg by UBS in 1995 he then held the roles of Head of UK Corporate Finance Head of European Corporate Finance and Co-Head of its global business and CEO of the EMEA region. He relinquished his management roles at the end of 2005 and was appointed Vice Chairman of UBS Investment Bank. Robert left UBS to join Evercore Partners from where he was seconded to the UK Panel on Takeovers and Mergers as Director General from 2010 to 2013.\tExternal appointment(s): · Independent Board Director at Ashurst LLP · Chairman of Council at the University of Durham · Chairman of the Somerset House Trust · Chairman of the Boat Race Company Limited · Director of Social Finance Limited Committee membership(s): · Group Nominations Committee\nPenny Hughes CBE (age 54) Date of appointment: 1 January 2010 Experience: Previously a director and chairman of the Remuneration Committee of Skandinaviska Enskilda Banken AB and a non-executive director of Home Retail Group plc and chairman of its Remuneration Committee. She spent the majority of her executive career at Coca-Cola where she held a number of leadership positions latterly as President Coca-Cola Great Britain and Ireland. Former non-executive directorships include Vodafone Group plc Reuters Group PLC Cable & Wireless Worldwide plc and The Gap Inc.\tExternal appointment(s): · Non-executive director chair of the corporate compliance and responsibility committee and member of the audit nomination and remuneration committees of Wm Morrison Supermarkets plc · Trustee of the British Museum Committee membership(s): · Group Performance and Remuneration Committee (Chair) · Group Nominations Committee · Group Sustainability Committee\nBrendan Nelson (age 64) Date of appointment: 1 April 2010 Experience: Former global chairman financial services for KPMG. Previously held senior leadership roles within KPMG including as a member of the KPMG UK board from 1999 to 2006 and as vice-chairman from 2006. Chairman of the Audit Committee of the Institute of Chartered Accountants of Scotland from 2005 to 2008.\tExternal appointment(s): · Non-executive director and chairman of the audit committee of BP plc · Member of the Financial Reporting Review Panel · President of the Institute of Chartered Accountants of Scotland Committee membership(s): · Group Audit Committee (Chair) · Board Risk Committee · Group Nominations Committee · RCR Board Oversight Committee\n", "q10k_tbl_19": "Independent non-executive directors\t\nBaroness Noakes DBE (age 64) Date of appointment: 1 August 2011 Experience: An experienced director on UK listed company boards with extensive and varied political and public sector experience. A qualified chartered accountant she previously headed KPMG's European and International Government practices and has been President of the Institute of Chartered Accountants in England and Wales. She was appointed to the House of Lords in 2000 and has served on the Conservative front bench in various roles including as shadow treasury minister between 2003 and May 2010. Previously held non-executive roles on the Court of the Bank of England Hanson ICI John Laing and SThree.\tExternal appointment(s): · Non-executive director and chairman of the audit committee of Severn Trent plc · Deputy chairman and senior independent director and chairman of the nominations committee of Carpetright plc Committee membership(s): · Board Risk Committee · Group Audit Committee · Group Nominations Committee\nPhilip Scott (age 60) Date of appointment: 1 November 2009 Experience: Wide-ranging experience of financial services and risk management including previous responsibility for Aviva's continental European and International life and long-term savings businesses. He held a number of senior executive positions during his career at Aviva including his role as group finance director until January 2010. Fellow of the Institute and Faculty of Actuaries and Fellow of the Association of Certified Public Accountants.\tExternal appointment(s): · Non-executive director and chairman of the audit committee of Diageo plc Committee membership(s): · Board Risk Committee (Chair) · RCR Board Oversight Committee (Chair) · Group Audit Committee · Group Nominations Committee\nGroup Secretary and Head of Corporate Governance\t\nAileen Taylor (age 41) Date of appointment: 1 May 2010 Experience: A qualified solicitor joined RBS in 2000. She was appointed Deputy Group Secretary and Head of Group Secretariat in 2007 and prior to that held various legal secretariat and risk roles including Head of External Risk Retail Head of Regulatory Risk Retail Direct and Head of Legal and Compliance at Direct Line Financial Services.\tShe is a fellow of the Chartered Institute of Bankers in Scotland and a member of the European Corporate Governance Council.\n", "q10k_tbl_20": "\tAttended/ scheduled\nPhilip Hampton\t9/9\nRoss McEwan (1)\t2/2\nNathan Bostock (1)\t2/2\nSandy Crombie\t9/9\nAlison Davis\t9/9\nTony Di Iorio\t9/9\nRobert Gillespie (2)\t1/1\nPenny Hughes\t9/9\nBrendan Nelson\t9/9\nBaroness Noakes\t9/9\nPhilip Scott\t9/9\nFormer directors\t\nStephen Hester (3)\t7/7\nJoe MacHale (4)\t4/4\nArt Ryan (3)\t7/7\nBruce Van Saun (3)\t7/7\n", "q10k_tbl_21": "Each meeting\t\n· Chairman's Report · Group Chief Executive's Report · Monthly Results · Capital Funding & Liquidity\t· Risk Report (including updates on conduct matters) · Reports from committee Chairs · Secretary's Report (routine matters for approval / noting)\n1st Quarter\t2nd Quarter\n· UK Retail Deep Dive · Budget Update · Markets Strategy Updates · Remuneration Proposals · Lending Updates · Risk Appetite Framework · Annual Results & AGM Notice · Board and committee Evaluations · Group Internal Audit Evaluation · External Auditor Evaluation\t· Non-Core Deep Dive · AGM Preparations · Q1 Results · Markets Strategy Updates · Lending Updates · Recovery and Resolution Planning · Board Session with the Financial Conduct Authority · Good Bank/Bad Bank Review · Board Strategy Offsite · Succession Planning\n3rd Quarter\t4th Quarter\n· Good Bank/Bad Bank Review · Parliamentary Commission on Banking Standards Recommendations · Interim Results · Lending Updates · Board Evaluation Update · RBS Citizens Deep Dive · Board Session with the Federal Bank of Boston\t· Launch of Strategic Review · Review of Capital Position · Independent Lending Review · Board Session with the Prudential Regulatory Authority · Corporate Banking Deep Dive · Q3 Results · Markets Deep Dive\n", "q10k_tbl_22": "\tAttended/ scheduled\nPhilip Hampton (Chairman)\t5/5\nSandy Crombie\t5/5\nAlison Davis\t5/5\nTony Di lorio\t5/5\nRobert Gillespie (1)\t1/1\nPenny Hughes\t5/5\nBrendan Nelson\t5/5\nBaroness Noakes\t5/5\nPhilip Scott\t5/5\nFormer members\t\nJoe MacHale (2)\t1/1\nArt Ryan (3)\t4/4\n", "q10k_tbl_23": "Financial reporting and policy\nThe Group Audit Committee focused on a number of salient judgements and reporting issues in the preparation of the 2013 accounts. In particular the Committee considered: · the evidence (including in relation to the Group's capital liquidity and funding position) to support the directors' going concern conclusion. Further information is set out on page 100; · the adequacy of loan impairment provisions with special emphasis on exposures in Global Restructuring Group (GRG) and Ulster Bank in light of the creation of RCR which resulted in increased impairment provisions being recognised in the fourth quarter of 2013. The Committee was satisfied that the Group loan impairment provisions and underlying assumptions and methodologies are robust; · the level of provisions held for outstanding litigation and regulatory investigations including Payment Protection Insurance redress LIBOR Interest Rate Hedging Products and US RMBS litigation. Following review the Committee was satisfied that overall the level of provision held is appropriate and that disclosure is sufficiently transparent. However these issues will be kept under close review by the Committee in 2014 as matters develop; · valuation methodologies and assumptions for financial instruments carried at fair value including the Group's credit market exposures; · the appropriateness of the carrying value of goodwill and other intangible assets placing particular focus on International Banking and RBS Citizens Financial Group Inc. Following an impairment review at year end goodwill allocated to International Banking of £1.1 billion was impaired in full;\n", "q10k_tbl_24": "External audit\nDuring 2013 the External Auditor provided the Group Audit Committee with reports summarising their main observations and conclusions arising from their year end audit half year review and work in connection with the first and third quarters' financial results and their recommendations for enhancements to the Group's reporting and controls. The External Auditor also presented for approval to the Committee their audit plan and audit fee proposal and engagement letter as well as confirmation of their independence and a comprehensive report of all non-audit fees. The Group Audit Committee undertakes an annual evaluation to assess the independence and objectivity of the External Auditor and the effectiveness of the audit process taking into consideration relevant professional and regulatory requirements. The annual evaluation is carried out in two stages. An initial review was carried out in early 2014. In assessing the effectiveness of the Group's External Auditor the Group Audit Committee had regard to: · the experience and expertise of the senior members of the engagement team; · the proposed scope of the audit work planned and executed; · the quality of dialogue between the External Auditor the Committee and senior management; · the clarity quality and robustness of written reports presented to the Committee setting out the External Auditor' findings arising from the audit; · the quality of observations provided by the External Auditor on the Group's systems of internal control; · the views of management on the performance of the External Auditor; and · the findings of any reviews of the work of the External Auditor by relevant regulators and the actions taken where appropriate to address any matters raised.\n", "q10k_tbl_25": "Risk strategy and policy\nRBS has a clear risk strategy supported by well defined strategic risk objectives. The members of the Board Risk Committee provide input to the overarching strategy for the business on an ongoing basis. During 2013 the Board Risk Committee reviewed the implementation of the Group Policy Framework across the organisation. It also reviewed the output of control environment certifications which provided the Committee with an assessment of the effectiveness of the Group's internal control environment. Particular focus was placed on how the operational risk framework was structured to identify single points of failure and \"black swan\" events being those events that were difficult to predict but would have a high impact. The Committee agreed that Risk Management should reinforce with divisions that risk assessments and scenario analysis should extend to these events and that consideration should also be given to resilience. Together with the Group Audit Committee throughout 2013 the members placed particular focus on the implementation and embedding of the three lines of defence model across divisions. While progress has been made the Committee recognises that additional work is required to fully delineate responsibilities across front line management risk and internal audit. The Committee has emphasised that it considers effective operation of the model to be a priority and will closely monitor progress in 2014 alongside strategic and organisational change. The Committee also considered management's plans to deliver a holistic Enterprise Risk Management (ERM) framework intended to deliver an increase in effectiveness and make risk more relevant to the operation of the business. This would involve rationalising existing risk management tools and making them integral to business as usual. The Committee noted its emphatic support to the accelerated programme of work planned for 2013/2014 which including the development of outcome-focused principles of business and the use of tools such as the \"yes check\" to align values with customer outcomes based on integrity safety soundness reputation and standards. The members closely reviewed implementation plans and delivery of solutions to meet the requirements of the Single European Payments Area. The Committee in particular has monitored the relationship with the Central Bank of Ireland in this regard. The Committee has received reports on plans underway to enhance data quality across the organisation. It has also considered information security corporate security and cyber risk.\n", "q10k_tbl_26": "Risk profile\nReporting The Committee received a detailed report on key risks and metrics at each meeting and the Group Chief Risk Officer provided a verbal update on the key risks to the organisation. Following his appointment the Head of Conduct and Regulatory Affairs also provided a verbal update on current pertinent matters to the Committee at each meeting. These reports enabled the Committee to identify the key risk areas where additional focus was required. During 2013 the Committee has continued to focus on enhancing risk reporting and some improvements have been made including the creation of a risk report at entity level of National Westminster Bank Plc. However the annual Committee performance evaluation has highlighted that more work is required to rationalise the reports that are received by the Committee; to ensure that key risks are conveyed succinctly and prominently; and to standardise and simplify presentations. This will be taken forward in 2014. The Committee reported to the Board following each meeting on its consideration of the risk profile of the business and made recommendations as appropriate. Risk Incidents and Regulatory reviews and investigations As in previous years regulatory risk featured highly on the agenda of the Committee during 2013. Most significantly as highlighted above in the letter from the Committee Chairman the Committee continued to play a central role in the oversight and remediation of the Group's 2012 IT incident. It received regular reports on the work being undertaken to enhance resilience and address root causes of the issue and has challenged management on the robustness of plans and in relation to capability across the three lines of defence. Significant progress has been made to address the deficiencies highlighted by the incident. However longer term investment in further enhancement to the Group's infrastructure is ongoing. The Committee will continue to oversee the remediation activity and wider enhancement required to systems and resilience during 2014. The Committee will also work with its regulators to address findings as their investigation of the incident concludes and will ensure accountability is fully considered and learnings are adopted across the organisation. The Committee was dismayed to learn of the most recent system outage in late 2013 and will ensure that this matter and any correlation with the earlier IT incident is fully understood. The allegations set out in the Tomlinson Report have been taken very seriously by the Group and while there is no evidence of systemic wrongdoing in the way distressed customers were treated by the Group's restructuring division an independent review by Clifford Chance has been commissioned. The FCA has separately appointed a skilled person to undertake a review under section 166 of the Financial Services and Markets Act. The Board Risk Committee will review the outputs of these investigations and will liaise with its regulators as required.\n", "q10k_tbl_27": "Risk appetite framework and limits\nThe risk appetite framework for the Group was reviewed in 2013 to ensure it remained fit for purpose in light of internal restructuring market positioning and changes to regulation. Consideration was given to how risk appetite linked to strategic objectives and how quantitative risk appetite targets had been set. The Committee discussed earnings volatility including the impact of diversification benefit on the targets. Following detailed discussion the Committee recommended the framework to the Board for approval and noted its support to management as the framework was embedded across the Group at divisional level. The Board Risk Committee separately reviewed the country risk appetite and Group Market Risk Control Framework and noted new market risk caps and changes to the existing limits. In the second half of 2013 the Committee reviewed proposed changes to the Single Name Concentration framework for Banks and a new Single Name Concentration grid for Large Corporates. The Committee also considered the Economic Capital model which had been under delivery since 2010. It was noted that the model was now being transitioned to business as usual activity and had been used to assess credit concentration risk for Pillar 2 capital as part of the 2011 ICAAP resulting in a more accurate capital calculation. The Committee is confident that the model will provide management with a clearer understanding of risk. The Committee continued to review the output of stress testing and discussed the stress scenarios and underlying assumptions. In the second half of 2013 the Committee noted the output of a reverse stress testing exercise and recommended it for approval to the Board.\n", "q10k_tbl_28": "Directors' Remuneration Policy\t\t\t\t\nFuture policy table for executive directors (EDs)\t\t\t\t\nFixed pay elements To provide a level of competitive remuneration for performing the role with less reliance on variable pay in order to discourage excessive risk-taking and with partial delivery in shares to align with long-term shareholder value.\t\t\t\t\nElement of pay\tPurpose and link to strategy\tOperation\tMaximum potential value\tPerformance metrics and period\nBase salary\tTo aid recruitment and retention of high performing individuals whilst paying no more than is necessary. To provide a competitive level of fixed cash remuneration reflecting the skills and experience required and to discourage excessive risk-taking.\tPaid monthly and reviewed annually. The rates for 2014 are as follows: Group Chief Executive - £1000000 Group Finance Director - £765000 Further details on remuneration arrangements for the year ahead are set out on pages 85 to 87 of the annual report on remuneration.\tDetermined annually. Any future salary increases will be considered against peer companies and will not normally be greater than the average salary increase for RBS employees over the period of the policy.\tNo performance conditions are directly applicable although any future salary increases will take into account performance rating during the year.\nFixed share allowance\tTo provide fixed pay that reflects the skills and experience required for the role. This will be delivered in shares and held for the long term.\tA fixed allowance paid entirely in shares. Individuals will receive shares that vest immediately subject to any deductions required for tax purposes and a retention period will apply. Shares will be released in equal tranches over a five year period. The fixed share allowance will be paid in arrears initially at six monthly intervals and in the event of termination only in respect of service completed(1).\tAn award of shares with an annual value of up to 100% of salary at the time of award. The fixed share allowance is not pensionable.\tN/A\nBenefits\tTo provide a range of flexible and market competitive benefits to further aid recruitment and retention of key individuals.\tA set level of funding is provided and EDs can select from a range of benefits including: · Company car · Private medical insurance · Life assurance · Ill health income protection Also entitled to use of a car and driver on company business and standard benefits such as holiday and sick pay. Further benefits including allowances when relocating from overseas may be provided to secure the most suitable candidate for the role.\tSet level of funding for benefits (currently £26250) which is subject to review. Further benefits such as relocation allowances and other benefits (e.g. tax advice housing and flight allowances and payment of legal fees) may be offered in line with market. The value of benefits paid will be disclosed each year in the annual report on remuneration.\tN/A\nPension\tTo encourage planning for retirement and long-term savings.\tProvision of a monthly cash pension allowance based on a multiple of salary. Opportunity to participate in a defined contribution pension scheme.\tPension allowance of 35% of salary.\tN/A\n", "q10k_tbl_29": "Element of pay\tPurpose and link to strategy\tOperation\tMaximum potential value\tPerformance metrics and period\nVariable pay award (long-term incentive)\tTo support a culture where good performance against a full range of measures will be rewarded. To incentivise the delivery of stretching targets in line with the Strategic Plan. The selection of performance metrics will be closely aligned with Key Performance Indicators. Performance is assessed against a range of financial and non-financial measures to encourage superior long-term value creation for shareholders. Delivery in shares with the ability to clawback further supports longer-term alignment with shareholders.\tAny variable pay award made will be delivered in the form of a long-term incentive paid in shares (or in other instruments if required by regulators) and subject to a combination of time deferral and performance-based requirements. A minimum three year performance period will apply. As a minimum shares will be subject to deferral and retention periods as required under the PRA Remuneration Code. The award will have an overall five year vest period vesting in equal tranches in years four and five. Provision for clawback prior to and post vesting of awards. The award will be delivered under the RBS 2014 Employee Share Plan subject to shareholder approval at the 2014 AGM.\tThe maximum level of award is subject to any limit on the ratio of variable to fixed pay as required by regulators. If shareholder approval is sought and obtained at the 2014 AGM this will be 200% of fixed pay (i.e. base salary fixed share allowance benefits and pension). For these purposes awards will be valued in line with the European Banking Authority rules including any available discount for long-term deferral. Our intention is that awards for executive directors will be maintained at a maximum of 300% of base salary in line with past practice(1). The vesting level of the award could vary between 0% and 100% dependent on the achievement of performance conditions. Between 20% - 25% will vest at threshold for each performance measure.\tAny award made will be subject to future performance conditions over a minimum three year period. Typical measures may fall under the following categories (weighted 25% each): ·Economic Profit ·Relative Total Shareholder Return (TSR) ·Safe and Secure Bank ·Customers and People A financial and risk performance underpin provides discretion to vary the vesting outcome if the Committee considers this does not reflect underlying performance. These or similar measures and weightings will be applied to reflect the strategy going forward. Details of the award and performance measures for each year will be set out in the annual report on remuneration.\n", "q10k_tbl_30": "\tFormer directors\t\t\t\tCurrent directors\t\t\t\n\tStephen Hester (1)\t\tBruce Van Saun (2)\t\tRoss McEwan (3)\t\tNathan Bostock (3)\t\n\t2013\t2012\t2013\t2012\t2013\t2012\t2013\t2012\nSalary\t900\t1200\t570\t750\t250\t0\t191\t0\nBenefits (4)\t20\t26\t74\t134\t40\t0\t7\t0\nPension\t315\t420\t348\t436\t88\t0\t67\t0\nAnnual bonus--\t\t\t0\t980\t0\t0\t0\t0\nLTIP (5)--\t\t\t0\t0\t0\t0\t0\t0\nTotal remuneration\t1235\t1646\t992\t2300\t378\t0\t265\t0\n", "q10k_tbl_31": "\tBoard and Committee fees\tBenefits and other fees 2013 Total\t2012 Total\nPhilip Hampton (1)\t750\t1 751\t750\nSandy Crombie\t186-186\t\t150\nAlison Davis\t132-132\t\t114\nTony Di Iorio (2)\t136-136\t\t128\nRobert Gillespie (3)\t7-7\t\tn/a\nPenny Hughes\t154-154\t\t150\nBrendan Nelson\t164-164\t\t150\nBaroness Noakes\t136-136\t\t124\nPhilip Scott\t164-164\t\t150\nFormer non-executive directors\t\t\t\nJoe MacHale (4)\t49-49\t\t133\nArt Ryan (5)\t80-80\t\t93\n", "q10k_tbl_32": "\t2013 £000s\t2012 £000s\nBalance at 1 January 2013\t682\t246\nAggregate contributions that would have been made if funded\t306\t408\nInvestment return\t42\t28\nTotal value of fund at 31 December 2013\t1030\t682\n", "q10k_tbl_33": "Executive directors' annual bonus for 2013 (audited)\nThe normal maximum that could be paid to executive directors under the annual bonus arrangements for 2013 is 200% of salary. The table below sets out the outcome for the 2013 performance year.\nStephen Hester As part of the exit arrangements detailed on page 82 no annual bonus award is payable to Stephen Hester for 2013.\nBruce Van Saun As announced on 27 January 2014 no bonus award will be payable to executive directors or members of the 2013 Executive Committee in respect of 2013 performance.\nRoss McEwan Ross McEwan indicated he did not wish to be considered for an annual bonus in respect of his Group Chief Executive role in 2013 or 2014. As announced on 27 January 2014 no bonus award will be payable in respect of the UK Retail role that Mr McEwan undertook during 2013.\nNathan Bostock Following announcement of his departure no annual bonus is payable to Nathan Bostock.\n", "q10k_tbl_34": "Executive directors' LTIP awards granted in 2010 - final assessment of performance outcome (audited)\t\t\nPerformance measure\tPerformance requirements\tVesting outcome\nEconomic profit (50%)\tMaximum vesting triggered by early delivery of Core business profitability well ahead of the range implied by the published Strategic Plan targets and also in excess of the cost of capital.\tThe LTIP awarded in 2010 was due to vest in May 2013. The number of shares under award is set out in the table on page 83. Awards did not vest in May 2013 as a result of the threshold performance requirements not being met and the awards lapsed.\nRelative TSR (25%)\t20% vesting if TSR is at the median rising to 100% vesting if TSR is at the upper quartile of the companies in the comparator group.\nAbsolute TSR (25%)\t20% vesting if RBS share price reaches £5.75. 100% vesting if RBS share price reaches £7.75.\n", "q10k_tbl_35": "Share plan interests awarded under the LTIP during 2013 (audited)\t\t\t\t\n\tGrant date\tFace value of award (£000)\tNumber of shares awarded\t% that would vest at threshold and maximum Performance requirements\nStephen Hester\t8 March 2013\t3600\t1164295\tVesting between 0% - 100% with 20% - 25% vesting at threshold Conditional share awards subject to stretching performance conditions over a three year period ending on the third anniversary of the grant date as detailed below. The LTIP award granted to Ross McEwan will be assessed based on 12 months against the targets applicable as CEO UK Retail and 24 months against the targets applicable as Group Chief Executive.\nBruce Van Saun\t8 March 2013\t2250\t727685\nRoss McEwan\t8 March 2013\t2153\t696152\nNathan Bostock\t8 March 2013\t2500\t808539\n", "q10k_tbl_36": "Performance conditions for outstanding LTIP awards granted to executive directors in 2011 2012 and 2013 - current assessment\t\t\t\t\t\nAwards are due to vest in 2014 to 2016. An assessment of performance of each relevant element is provided by the control functions and PwC assesses relative TSR performance. The Committee determines overall vesting based on these assessments including consideration of the drivers of performance and the context against which it was delivered. The assessment is analytical and if any discretion is used in the final assessment it will be explained. The table below represents an early indication of potential vesting outcomes only.\t\t\t\t\t\nPerformance measure\tWeighting\tRationale\tVesting\t2011 LTIP Current assessment of performance\t2012 and 2013 LTIP Current assessment of performance\nCore Bank economic profit\t25%\tEnsures that performance reflects risk adjusted enduring earnings.\tThreshold: 25% vesting for meeting minimum economic profit targets. Maximum: 100% vesting for performance ahead of the Strategic Plan.\tContinued difficult conditions mean that the economic profit target has not been met.\tExcluding the impact of the 2013 RCR action performance is currently broadly in line with expectations. The Committee notes the impact of the RCR impairment and will determine at the point of vesting how this should be taken into account.\nRelative TSR\t25%\tEnsure alignment with shareholders.\tThreshold: 20% vesting if TSR is at median of the comparator group. Maximum: 100% vesting if TSR is at upper quartile of the comparator group. Pro rata vesting in between.\tBased on share price performance up to 31 December 2013 the threshold target is unlikely to be met by the vesting date.\tBased on share price performance up to 31 December 2013 the threshold targets have not yet been met.\nBalance sheet and risk Strategic Scorecard\t25% 25%\tEnsure alignment with the advancement of the strategic position and capability of the organisation and the building of a sustainable business.\tVesting will be qualified by Committee discretion. Indicative vesting levels are: · Over half of objectives not met: 0%; · Half of objectives met: 25%; · Two-thirds of objectives met: 62.5%; and · Objectives met or exceeded in all material respects: 100%.\tAll targets - including Non-Core run down Core Tier 1 capital wholesale funding liquidity leverage ratio loan to deposit ratio and funded assets - have been met or exceeded. Credit rating condition was not met but given over-achievement on other measures the Committee determined that the Balance Sheet and Risk element would vest in full. For the Strategic Scorecard the cost:income ratio target has been missed driven by income shortfall. Overall the Committee determined that fewer than half of the objectives have been met and also took into account the extent of the shortfall on cost:income ratio and determined that this element should not vest.\tMajority of Balance Sheet and Risk measures are currently on track or ahead of target. Cost:income ratio remains challenging to achieve largely due to market-driven income pressures. Positive performance to date on some of the other Strategic Scorecard measures would result in some level of vesting for this element if continued over the performance period.\n", "q10k_tbl_37": "Salary Benefits Pension\t£1200000 £26244 £420000\nTotal\t£1646244\n", "q10k_tbl_38": "Unvested LTIP shares at departure Shares remaining after time pro-rating\t3461886 2064638\nMax number of time pro-rated shares capped at 65% (1)\t1342014\n", "q10k_tbl_39": "\tAs at 31 December 2013 (or date of cessation if earlier)\t\t\t\t\n\tShares beneficially owned\t% of issued share capital\tValue(1) (£)\t% of shareholding requirement met\tUnvested LTIP awards (subject to performance conditions) Unvested Deferral Plan awards\nStephen Hester\t761218\t0.01227\t2740385\t91%\t2064638 -\nBruce Van Saun\t148421\t0.00239\t501663\t49%\t2163680 466947\nRoss McEwan\t516336\t0.00832\t1745216\t70%\t1259081 56395\nNathan Bostock\t375969\t0.00606\t1270775\t133%\t2151234 289536\nPhilip Hampton\t27630\t0.00045\t\tn/a\t\nSandy Crombie\t20000\t0.00032\t\tn/a\t\nAlison Davis\t20000\t0.00032\t\tn/a\t\nTony Di lorio (2)\t30000\t0.00048\t\tn/a\t\nRobert Gillespie\tnil\t0\t\tn/a\t\nPenny Hughes\t562\t0.00001\t\tn/a\t\nJoe MacHale\t28431\t0.00046\t\tn/a\t\nBrendan Nelson\t12001\t0.00019\t\tn/a\t\nBaroness Noakes\t21000\t0.00034\t\tn/a\t\nArt Ryan\t5000\t0.00008\t\tn/a\t\nPhilip Scott\t50000\t0.00081\t\tn/a\t\n", "q10k_tbl_40": "\tAwards held at 1 January 2013 (or date of appointment if later)\tAwards granted in 2013\tAward price £\tAwards lapsed in 2013\tAwards held at 31 December 2013 (or date of cessation)\tEnd of period for qualifying conditions to be fulfilled\nStephen Hester (2)\t857843\t\t4.90\t857843\t0\t0\n\t1011417\t\t4.45\t56189\t955228\t07.03.14\n\t1286174\t\t2.80\t500179\t785995\t09.03.15\n\t\t1164295\t3.09\t840880\t323415\t08.03.16\n\t3155434\t1164295\t\t2255091\t2064638\t(1)\nBruce Van Saun (2)\t518280\t\t4.90\t518280\t0\t0\n\t632136\t\t4.45\t\t632136\t07.03.14\n\t803859\t\t2.80\t\t803859\t09.03.15\n\t\t727685\t3.09\t\t727685\t08.03.16\n\t1954275\t727685\t\t518280\t2163680\t\nRoss McEwan (3)\t562929\t\t2.14\t\t562929\t(4) 07.06.14 -07.08.15\n\t696152\t\t3.09\t\t696152\t08.03.16\n\t1259081\t\t\t\t1259081\t\nNathan Bostock (35)\t449519\t\t4.45\t\t449519\t07.03.14\n\t893176\t\t2.80\t\t893176\t09.03.15\n\t808539\t\t3.09\t\t808539\t08.03.16\n\t2151234\t\t\t\t2151234\t\n", "q10k_tbl_41": "\tAwards held at 1 January 2013 (or date of appointment if later)\tAwards granted in 2013\tAward price £\tAwards vested in 2013 Market price on vesting £\tValue on Vesting £\tAwards held at 31 December 2013 (or date of cessation)\tEnd of period for qualifying conditions to be fulfilled\nStephen Hester\t229254\t\t4.45\t229254 3.06\t701517--\t\t\nBruce Van Saun\t151544\t\t4.45\t151544 3.06\t463725--\t\t\n\t300000\t\t2.80\t150000 3.06\t459000\t150000\t09.03.13 - 09.03.14\n\t\t316947 (6)\t3.09\t\t\t316947\t08.03.14 - 08.03.15\n\t451544\t316947\t\t301544\t\t466947\t\nRoss McEwan\t56395\t\t3.09\t\t\t56395\t08.03.14 - 08.03.16\n\t454106\t\t2.14\t454106 3.40\t1543960--\t\t\n\t510501\t\t\t454106\t\t56395\t\nNathan Bostock(5)\t28657\t\t4.45\t\t\t28657\t07.03.14\n\t125045\t\t2.80\t\t\t125045\t09.03.14 - 09.03.15\n\t135834\t\t3.09\t\t\t135834\t08.03.14 - 08.03.16\n\t289536\t\t\t\t\t289536\t\n", "q10k_tbl_42": "\tShare Plan\tOptions held at 1 January 2013 (or date of appointment if later)\tNumber of options lapsed in 2013 Option price £\tOptions held at 31 December 2013\nNumber\tExercise period\nNathan Bostock (5)\tExecutive Share Option Plan\t207467-4.62\t\t207467 17.08.12 - 16.08.19\n\tSharesave Plan\t3556\t3556 4.34--\t\n\t\t211023\t3556\t207467\n", "q10k_tbl_43": "\tScheme interests (nil cost option) at 1 January 2013 (or date of appointment if later)\tAward price £\tAwards exercised in 2013 Scheme interests (share equivalents) at 31 December 2013\tEnd of period for qualifying conditions to be fulfilled\nNathan Bostock (5)\t117809\t4.52-117809\t\t17.08.12\n", "q10k_tbl_44": "Historic Group Chief Executive pay over same period\t\t\t\t\t\n\t2009\t2010\t2011\t2012\t2013(1)\nGroup Chief Executive single figure of total remuneration (£000s)\t1647 -\t3687 -\t1646 -\t1646 -\t1235 (SH) 378 (RM)\nAnnual variable award against max opportunity\t0% -\t85% -\t0% -\t0% -\t0% (SH) 0% (RM)\nLTIP vesting rates against max opportunity\t0% -\t0% -\t0% -\t0% -\t0% (SH) 0% (RM)\n", "q10k_tbl_45": "\tSalary\tBenefits\tAnnual Bonus\n\t2013 to 2012 change\t2013 to 2012 change\t2013 to 2012 change\nGroup Chief Executive\t(16.7%)--\t\t\nAll employees\t2.1%\t2.1%\t(16.6%)\n", "q10k_tbl_46": "\t2013 £m\t2012 £m\tchange\nRemuneration paid to all employees (1)\t6371\t7231\t(12%)\nDistributions to holders of ordinary shares--\t\t\t0\nDistributions to holders of preference shares\t398\t301\t32%\nTaxation and other charges recognised in the income statement:\t\t\t\n- Social security and other payments (2)\t486\t562\t(14%)\n- Bank levy\t200\t175\t14%\n- Corporation tax\t382\t441\t(13%)\nOther payments made by the Group\t\t\t\n- Irrecoverable VAT and other indirect taxes suffered by the Group (3)\t714\t830\t(14%)\n", "q10k_tbl_47": "\tSalary\tBenefits\tPension\tFixed Share Allowance (1)\tLTIP award\nGroup Chief Executive\t£1000000\t£26250 + relocation benefits (3)\t35% of salary\tNo award in 2014\t300% of salary\nGroup Finance Director (2)\t£765000\t£26250\t35% of salary\t100% of salary\t300% of salary\n", "q10k_tbl_48": "Chairman\t£750000\nNon-executive Director Group Board\t£72500\nSenior Independent Director\t£30000\nMembership of Group Audit Committee Board Risk Committee Group Performance and Remuneration Committee or Group Sustainability Committee\t£30000\nAdditional fee to Chair the Group Audit Committee Board Risk Committee Group Performance and Remuneration Committee or Group Sustainability Committee\t£30000\nMembership of Group Nominations Committee\t£5500\n", "q10k_tbl_49": "Core objectives\tSummary of objectives and targets (1)\nCustomer & Stakeholder (25%)\t· Customer Strategy and Experience - clearly articulate customer strategy; effective customer experience framework and measurement approach. · Customer Relationships - develop stronger and deeper customer relationships. · Corporate reputation - enhance and support the company's reputation with all stakeholders.\nFinancial & Business Delivery (25%)\t· Common Equity Tier 1 Ratio - deliver fully loaded Common Equity Tier 1 ratio in line with strategic targets including successful execution of RCR reduction. · Return on Equity (2) - improve return on equity through reduction of cost:income ratio; deliver income growth in line with strategic targets. · Cost:Income Ratio (2) - reduce cost:income ratio in line with strategic targets.\nPeople & Culture (25%)\t· Operating Model - deliver first phase of efficient and effective bank-wide operating model. · Values & Engagement - embed and role model the Group's values setting the tone from the top and building the pride and engagement of our people. · Diversity - promote gender diversity in senior talent pools.\nRisk & Control (25%)\t· Risk Appetite - further progress on embedding enhanced risk appetite and risk frameworks. · Governance & Control - maintain an effective control environment and deliver key systems and processes. · Conduct - embed the agreed conduct risk framework across the business. · End to End Risk Management Framework - maintain an effective risk management framework across the business.\n", "q10k_tbl_50": "Relative TSR Comparator Group\t\tWeighting\n1\tBarclays\t200%\n2\tLloyds Banking Group\n3\tHSBC\t100%\n4\tStandard Chartered\n5 to 13\tBBVA BNP Paribas Credit Agricole Credit Suisse Group Deutsche Bank Santander Societe Generale UBS Unicredito\t50%\n· 20% of the award will vest if TSR is at the median of the companies in the comparator group · 100% of the award will vest if TSR is at the upper quartile of the companies in the comparator group\t\t\n", "q10k_tbl_51": "For\tAgainst\tTotal votes cast\tWithheld\n20058440088 (99.32%)\t138246040 (0.68%)\t20196686128\t148371848\n", "q10k_tbl_52": "(£000s)\tExecutive 1\tExecutive 2\tExecutive 3\tExecutive 4\tExecutive 5\tExecutive 6\tExecutive 7\tExecutive 8\nFixed remuneration\t639\t1352\t700\t199\t463\t415\t189\t350\nAnnual incentives--\t\t\t---\t\t\t---\t\t\nLong-term incentive awards (vested value)\t983\t978\t407--\t\t\t56-114\t\t\nTotal remuneration (2)\t1622\t2330\t1107\t199\t463\t471\t189\t464\n", "q10k_tbl_53": "Element of pay\tObjective\tOperation\nBase salary\tTo attract and retain employees by being competitive in the specific market in which the individual works.\tBase salaries are reviewed annually and should reflect the talents skills and competencies that the individual brings to the business.\nRole-based allowance\tTo provide fixed pay that reflects the skills and experience required for and the responsibilities of the role.\tFrom 2014 onwards allowances will be provided to certain employees in key roles and reviewed at appropriate intervals to reflect the skills experience and competencies required for the role. They will be delivered in cash and/or shares depending on the level of the allowance and the seniority of the recipient. Shares will be subject to an appropriate retention period not less than six months.\nBenefits (including pension)\tTo provide a range of benefits and give employees an opportunity to provide for their retirement.\tIn most jurisdictions employee benefits or a cash equivalent are provided from a flexible benefits account.\nAnnual incentives\tTo support a culture where employees recognise the importance of serving customers well and are rewarded for superior performance.\tThe annual incentive pool is based on a balanced scorecard of measures including customer financial risk and people measures. Allocation from the pool depends on divisional functional and individual performance. Individual performance assessment is supported by a structured performance management framework. Guaranteed awards are only used in very limited circumstances in accordance with the PRA Remuneration Code. Immediate cash awards are limited to a maximum of £2000. Under the deferral arrangements a significant proportion of annual incentive awards for our more senior employees are deferred over a three year period. Deferred awards are subject to clawback. For Code Staff a minimum 50% of any annual incentive is delivered in the form of RBS shares and subject to an additional six month retention period post vesting. Under the deferral arrangements for the 2013 performance year the vast majority of any annual incentive award to Code Staff is delivered in shares. In certain circumstances formulaic short-term incentive arrangements are used to align the objectives of employees with the strategy of the relevant division in which they work.\nLong-term incentive awards\tTo encourage the creation of value over the long term and to align further the rewards of the participants with the returns to shareholders.\tRBS provides certain employees in senior roles with long-term incentive awards. Awards are structured as performance-vesting shares. Vesting may occur after a three year period and will typically be based partly on divisional or functional performance and partly on performance across the business. The amount of the award that vests may vary between 0-100% depending on the performance achieved. All awards are subject to clawback and an additional six month retention period applies to Code Staff post vesting.\nOther share plans\tTo offer employees in certain jurisdictions the opportunity to acquire RBS shares.\tEmployees in certain countries are eligible to contribute to share plans which are not subject to performance conditions.\n", "q10k_tbl_54": "Form of remuneration\tSenior management £m\tOthers £m\nVariable remuneration (cash)\t0.2\t0.2\nDeferred remuneration (bonds)\t2.4\t2.6\nDeferred remuneration (shares)\t31.1\t51.7\n", "q10k_tbl_55": "Category of deferred remuneration\tSenior management £m\tOthers £m\nUnvested from prior year\t110.0\t131.7\nAwarded during the financial year\t47.9\t57.6\nPaid out\t33.0\t59.4\nReduced from prior years\t16.8\t28.6\nUnvested at year end\t107.8\t98.2\n", "q10k_tbl_56": "Total remuneration by band for all employees earning >£1 million\tNumber of employees\n£1000000 - £1500000\t46\n£1500001 - £2000000\t14\n£2000001 - £2500000\t4\n£2500001 - £3000000\t4\n£3000001 - £3500000\t0\n£3500001 - £4000000\t4\n£4000001 - £4500000\t1\n£4500001 - £5000000\t1\n£5000001 - £5500000\t0\n£5500001 - £6000000\t1\n", "q10k_tbl_57": "Number of shares sold\tSubscription price\tSale period\tGross proceeds\tShare price on allotment\n42967903\t314.188p\t3 May 2013 - 17 July 2013\t£135 million\t321.6p\n20473967\t341.898p\t2 August 2013 - 12 September 2013\t£70 million\t360.4p\n15091674\t331.309p\t1 November 2013 - 9 December 2013\t£50 million\t336.8p\n", "q10k_tbl_58": "105\tRevisions\n106\tDescription of business\n108\tCompetition\n109\tRisk factors\n111\tKey financials\n112\tSummary consolidated income statement\n113\tResults summary\n116\tAnalysis of results\n127\tDivisional performance\n158\tRBS Capital Resolution\n162\tConsolidated balance sheet\n165\tCash flow\n166\tCapital resources\n167\tAnalysis of balance sheet pre and post disposal groups\n169\tRisk and balance sheet management\n", "q10k_tbl_59": "\t2013\t2012*\t2011*\nfor the year ended 31 December\t£m\t£m\t£m\nTotal income\t19757\t17941\t24651\nProfit before impairment losses\t189\t2\t7311\nImpairment losses\t(8432)\t(5279)\t(8707)\nOperating (loss)/profit\t(8243)\t(5277)\t(1396)\nLoss attributable to ordinary and B shareholders\t(8995)\t(6055)\t(2151)\nCost:income ratio\t99%\t100%\t70%\nBasic loss per ordinary and equivalent B share from continuing\t\t\t\noperations (pence)\t(81.3p)\t(54.5p)\t(22.7p)\n*Restated - see page 105.\t\t\t\n\t2013\t2012\t2011\nAt 31 December\t£m\t£m\t£m\nFunded balance sheet (1)\t739839\t870392\t977249\nTotal assets\t1027878\t1312295\t1506867\nLoans and advances to customers\t440722\t500135\t515606\nDeposits (2)\t534859\t622684\t611759\nOwners' equity\t58742\t68678\t75367\nRisk asset ratios - Core Tier 1\t10.9%\t10.3%\t10.6%\n- Tier 1\t13.1%\t12.4%\t13.0%\n- Total\t16.5%\t14.5%\t13.8%\n", "q10k_tbl_60": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nNet interest income\t10981\t11402\t12303\nFees and commissions receivable\t5460\t5709\t6379\nFees and commissions payable\t(942)\t(834)\t(962)\nOther non-interest income\t4258\t1664\t6931\nNon-interest income\t8776\t6539\t12348\nTotal income\t19757\t17941\t24651\nOperating expenses\t(19568)\t(17939)\t(17340)\nProfit before impairment losses\t189\t2\t7311\nImpairment losses\t(8432)\t(5279)\t(8707)\nOperating loss before tax\t(8243)\t(5277)\t(1396)\nTax charge\t(382)\t(441)\t(1075)\nLoss from continuing operations\t(8625)\t(5718)\t(2471)\nProfit/(loss) from discontinued operations net of tax\t\t\t\n- Direct Line Group\t127\t(184)\t301\n- Other\t21\t12\t47\nProfit/(loss) from discontinued operations net of tax\t148\t(172)\t348\nLoss for the year\t(8477)\t(5890)\t(2123)\nNon-controlling interests\t(120)\t136\t(28)\nOther owners' dividends\t(398)\t(301)\t0\nLoss attributable to ordinary and B shareholders\t(8995)\t(6055)\t(2151)\nBasic loss per ordinary and equivalent B share from continuing operations\t(81.3p)\t(54.5p)\t(22.7p)\n*Restated - see page 105.\t\t\t\n", "q10k_tbl_61": "Analysis of results\t\t\t\nNet interest income\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nInterest receivable (1)\t16740\t18530\t21036\nInterest payable\t(5759)\t(7128)\t(8733)\nNet interest income\t10981\t11402\t12303\nYields spreads and margins of the banking business%\t\t%%\t\nGross yield on interest-earning assets of the banking business (2)\t3.08\t3.12\t3.23\nCost of interest-bearing liabilities of the banking business\t(1.42)\t(1.54)\t(1.68)\nInterest spread of the banking business (3)\t1.66\t1.58\t1.55\nBenefit from interest-free funds\t0.36\t0.34\t0.34\nNet interest margin of the banking business (4)\t2.02\t1.92\t1.89\nGross yield (2)\t\t\t\n- Group\t3.08\t3.12\t3.23\n- UK\t3.54\t3.49\t3.57\n- Overseas\t2.33\t2.56\t2.77\nInterest spread (3)\t\t\t\n- Group\t1.66\t1.58\t1.55\n- UK\t1.99\t1.83\t1.82\n- Overseas\t1.25\t1.56\t1.22\nNet interest margin (4)\t\t\t\n- Group\t2.02\t1.92\t1.89\n- UK\t2.21\t2.03\t2.04\n- Overseas\t1.72\t1.75\t1.69\nThe Royal Bank of Scotland plc base rate (average)\t0.50\t0.50\t0.50\nLondon inter-bank three month offered rates (average)\t\t\t\n- Sterling\t0.52\t0.82\t0.87\n- Eurodollar\t0.24\t0.43\t0.33\n- Euro\t0.27\t0.53\t1.36\n", "q10k_tbl_62": "Average balance sheet and related interest continued\t\t\t\t\t\t\t\n\t\t2013\t\t\t2012\t\t\n\t\tAverage\t\t\tAverage\t\t\n\t\tbalance\tInterest\tRate\tbalance\tInterest\tRate\n\t\t£m%\t£m\t\t£m%\t£m\t\nAssets\t\t\t\t\t\t\t\nLoans and advances to banks\t- UK\t42466\t261\t0.61\t33656\t248\t0.74\n\t- Overseas\t32240\t169\t0.52\t40342\t245\t0.61\nLoans and advances to customers\t- UK\t256692\t11060\t4.31\t277631\t11326\t4.08\n\t- Overseas\t143104\t4065\t2.84\t151692\t4862\t3.21\nDebt securities\t- UK\t38082\t624\t1.64\t49872\t1015\t2.04\n\t- Overseas\t30792\t561\t1.82\t40077\t834\t2.08\nInterest-earning assets\t- UK\t337240\t11945\t3.54\t361159\t12589\t3.49\n\t- Overseas\t206136\t4795\t2.33\t232111\t5941\t2.56\nTotal interest-earning assets\t- banking business (1)\t543376\t16740\t3.08\t593270\t18530\t3.12\n\t- trading business (6)\t216211\t\t\t240131\t\t\nInterest-earning assets\t\t759587\t\t\t833401\t\t\nNon-interest-earning assets\t\t467779\t\t\t596971\t\t\nTotal assets\t\t1227366\t\t\t1430372\t\t\nPercentage of assets applicable to overseas operations\t\t33.0%\t\t\t37.8%\t\t\nLiabilities\t\t\t\t\t\t\t\nDeposits by banks\t- UK\t7997\t144\t1.80\t18347\t216\t1.18\n\t- Overseas\t15654\t262\t1.67\t20129\t384\t1.91\nCustomer accounts: demand deposits\t- UK\t123707\t501\t0.40\t121541\t643\t0.53\n\t- Overseas\t35733\t169\t0.47\t35087\t210\t0.60\nCustomer accounts: savings deposits\t- UK\t93245\t1266\t1.36\t84972\t1479\t1.74\n\t- Overseas\t28864\t101\t0.35\t26989\t133\t0.49\nCustomer accounts: other time deposits\t- UK\t28566\t433\t1.52\t35848\t522\t1.46\n\t- Overseas\t20092\t361\t1.80\t23776\t504\t2.12\nDebt securities in issue\t- UK\t44085\t1162\t2.64\t60709\t1681\t2.77\n\t- Overseas\t5239\t145\t2.77\t22294\t342\t1.53\nSubordinated liabilities\t- UK\t17387\t649\t3.73\t15629\t435\t2.78\n\t- Overseas\t5873\t237\t4.04\t5461\t380\t6.96\nInternal funding of trading business\t- UK\t(24041)\t348\t(1.45)\t(21140)\t264\t(1.25)\n\t- Overseas\t4477\t(19)\t(0.42)\t11992\t(65)\t(0.54)\nInterest-bearing liabilities\t- UK\t290946\t4503\t1.55\t315906\t5240\t1.66\n\t- Overseas\t115932\t1256\t1.08\t145728\t1888\t1.30\nTotal interest-bearing liabilities\t- banking business\t406878\t5759\t1.42\t461634\t7128\t1.54\n\t- trading business (6)\t223264\t\t\t248647\t\t\nInterest-bearing liabilities\t\t630142\t\t\t710281\t\t\nNon-interest-bearing liabilities:\t\t\t\t\t\t\t\nDemand deposits\t- UK\t55303\t\t\t46420\t\t\n\t- Overseas\t21304\t\t\t27900\t\t\nOther liabilities\t\t452068\t\t\t571963\t\t\nOwners' equity\t\t68549\t\t\t73808\t\t\nTotal liabilities and owners' equity\t\t1227366\t\t\t1430372\t\t\nPercentage of liabilities applicable to overseas operations\t\t28.7%\t\t\t33.9%\t\t\nFor the notes to this table refer to page 116.\t\t\t\t\t\t\t\n", "q10k_tbl_63": "Average balance sheet and related interest continued\t\t\t\t\n\t\t2011\t\t\n\t\tAverage\t\t\n\t\tbalance\tInterest\tRate\n\t\t£m%\t£m\t\nAssets\t\t\t\t\nLoans and advances to banks\t- UK\t29852\t277\t0.93\n\t- Overseas\t41716\t403\t0.97\nLoans and advances to customers\t- UK\t293777\t11970\t4.07\n\t- Overseas\t171938\t5857\t3.41\nDebt securities\t- UK\t55074\t1258\t2.28\n\t- Overseas\t58027\t1271\t2.19\nInterest-earning assets\t- UK\t378703\t13505\t3.57\n\t- Overseas\t271681\t7531\t2.77\nTotal interest-earning assets\t- banking business (1)\t650384\t21036\t3.23\n\t- trading business (6)\t278975\t\t\nInterest-earning assets\t\t929359\t\t\nNon-interest-earning assets\t\t605796\t\t\nTotal assets\t\t1535155\t\t\nPercentage of assets applicable to overseas operations\t\t40.2%\t\t\nLiabilities\t\t\t\t\nDeposits by banks\t- UK\t17224\t242\t1.41\n\t- Overseas\t47371\t740\t1.56\nCustomer accounts: demand deposits\t- UK\t112777\t666\t0.59\n\t- Overseas\t43177\t483\t1.12\nCustomer accounts: savings deposits\t- UK\t76719\t1177\t1.53\n\t- Overseas\t25257\t130\t0.51\nCustomer accounts: other time deposits\t- UK\t39672\t481\t1.21\n\t- Overseas\t33971\t594\t1.75\nDebt securities in issue\t- UK\t108406\t2606\t2.40\n\t- Overseas\t42769\t765\t1.79\nSubordinated liabilities\t- UK\t16874\t470\t2.79\n\t- Overseas\t5677\t270\t4.76\nInternal funding of trading business\t- UK\t(40242)\t149\t(0.37)\n\t- Overseas\t(8783)\t(40)\t0.46\nInterest-bearing liabilities\t- UK\t331430\t5791\t1.75\n\t- Overseas\t189439\t2942\t1.55\nTotal interest-bearing liabilities\t- banking business\t520869\t8733\t1.68\n\t- trading business (6)\t307564\t\t\nInterest-bearing liabilities\t\t828433\t\t\nNon-interest-bearing liabilities:\t\t\t\t\nDemand deposits\t- UK\t46495\t\t\n\t- Overseas\t19909\t\t\nOther liabilities\t\t565279\t\t\nOwners' equity\t\t75039\t\t\nTotal liabilities and owners' equity\t\t1535155\t\t\nPercentage of liabilities applicable to overseas operations\t\t37.1%\t\t\nFor the notes to this table refer to page 116.\t\t\t\t\n", "q10k_tbl_64": "\t2013 over 2012\t\t\n\tIncrease/(decrease) due to changes in:\t\t\n\tAverage\tAverage\tNet\n\tvolume\trate\tchange\n\t£m\t£m\t£m\nInterest-earning assets\t\t\t\nLoans and advances to banks\t\t\t\nUK\t60\t(47)\t13\nOverseas\t(44)\t(32)\t(76)\nLoans and advances to customers\t\t\t\nUK\t(883)\t617\t(266)\nOverseas\t(263)\t(534)\t(797)\nDebt securities\t\t\t\nUK\t(214)\t(177)\t(391)\nOverseas\t(177)\t(96)\t(273)\nTotal interest receivable of the banking business\t\t\t\nUK\t(1037)\t393\t(644)\nOverseas\t(484)\t(662)\t(1146)\n\t(1521)\t(269)\t(1790)\nInterest-bearing liabilities\t\t\t\nDeposits by banks\t\t\t\nUK\t155\t(83)\t72\nOverseas\t78\t44\t122\nCustomer accounts: demand deposits\t\t\t\nUK\t(12)\t154\t142\nOverseas\t(4)\t45\t41\nCustomer accounts: savings deposits\t\t\t\nUK\t(133)\t346\t213\nOverseas\t(9)\t41\t32\nCustomer accounts: other time deposits\t\t\t\nUK\t110\t(21)\t89\nOverseas\t72\t71\t143\nDebt securities in issue\t\t\t\nUK\t443\t76\t519\nOverseas\t364\t(167)\t197\nSubordinated liabilities\t\t\t\nUK\t(53)\t(161)\t(214)\nOverseas\t(27)\t170\t143\nInternal funding of trading business\t\t\t\nUK\t(39)\t(45)\t(84)\nOverseas\t(34)\t(12)\t(46)\nTotal interest payable of the banking business\t\t\t\nUK\t471\t266\t737\nOverseas\t440\t192\t632\n\t911\t458\t1369\nMovement in net interest income\t\t\t\nUK\t(566)\t659\t93\nOverseas\t(44)\t(470)\t(514)\n\t(610)\t189\t(421)\n", "q10k_tbl_65": "Analysis of change in net interest income - volume and rate analysis continued\t\t\t\n\t2012 over 2011\t\t\n\tIncrease/(decrease) due to changes in:\t\t\n\tAverage\tAverage\tNet\n\tvolume\trate\tchange\n\t£m\t£m\t£m\nInterest-earning assets\t\t\t\nLoans and advances to banks\t\t\t\nUK\t32\t(61)\t(29)\nOverseas\t(13)\t(145)\t(158)\nLoans and advances to customers\t\t\t\nUK\t(673)\t29\t(644)\nOverseas\t(664)\t(331)\t(995)\nDebt securities\t\t\t\nUK\t(115)\t(128)\t(243)\nOverseas\t(376)\t(61)\t(437)\nTotal interest receivable of the banking business\t\t\t\nUK\t(756)\t(160)\t(916)\nOverseas\t(1053)\t(537)\t(1590)\n\t(1809)\t(697)\t(2506)\nInterest-bearing liabilities\t\t\t\nDeposits by banks\t\t\t\nUK\t(15)\t41\t26\nOverseas\t495\t(139)\t356\nCustomer accounts: demand deposits\t\t\t\nUK\t(49)\t72\t23\nOverseas\t78\t195\t273\nCustomer accounts: savings deposits\t\t\t\nUK\t(133)\t(169)\t(302)\nOverseas\t(8)\t5\t(3)\nCustomer accounts: other time deposits\t\t\t\nUK\t50\t(91)\t(41)\nOverseas\t200\t(110)\t90\nDebt securities in issue\t\t\t\nUK\t1279\t(354)\t925\nOverseas\t325\t98\t423\nSubordinated liabilities\t\t\t\nUK\t33\t2\t35\nOverseas\t11\t(121)\t(110)\nInternal funding of trading business\t\t\t\nUK\t99\t(214)\t(115)\nOverseas\t13\t12\t25\nTotal interest payable of the banking business\t\t\t\nUK\t1264\t(713)\t551\nOverseas\t1114\t(60)\t1054\n\t2378\t(773)\t1605\nMovement in net interest income\t\t\t\nUK\t508\t(873)\t(365)\nOverseas\t61\t(597)\t(536)\n\t569\t(1470)\t(901)\n", "q10k_tbl_66": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nFees and commissions receivable - statutory basis\t5460\t5709\t6379\nFees and commissions payable\t\t\t\n- managed basis\t(942)\t(833)\t(962)\n- RFS Holdings minority interest-(1)\t\t\t0\nStatutory basis\t(942)\t(834)\t(962)\nIncome from trading activities\t\t\t\n- managed basis\t2651\t3533\t3313\n- own credit adjustments\t35\t(1813)\t293\n- Asset Protection Scheme-(44)\t\t\t(906)\n- RFS Holdings minority interest\t(1)\t(1)\t1\nStatutory basis\t2685\t1675\t2701\nGain on redemption of own debt - statutory basis\t175\t454\t255\nOther operating income\t\t\t\n- managed basis\t1281\t2259\t2381\n- own credit adjustments\t(155)\t(2836)\t1621\n- integration and restructuring costs--\t\t\t(3)\n- strategic disposals\t161\t113\t(25)\n- RFS Holdings minority interest\t111\t(1)\t1\nStatutory basis\t1398\t(465)\t3975\nTotal non-interest income - managed basis\t8450\t10668\t11111\nTotal non-interest income - statutory basis\t8776\t6539\t12348\n", "q10k_tbl_67": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nStaff costs\t\t\t\n- managed basis\t6882\t7377\t8072\n- integration and restructuring costs\t280\t812\t464\n- bonus tax--\t\t\t27\n- RFS Holdings minority interest\t1\t(1)\t(1)\nStatutory basis\t7163\t8188\t8562\nPremises and equipment\t\t\t\n- managed basis\t2233\t2096\t2246\n- integration and restructuring costs\t115\t136\t177\nStatutory basis\t2348\t2232\t2423\nOther administrative expenses\t\t\t\n- managed basis\t2947\t2899\t2922\n- Payment Protection Insurance costs\t900\t1110\t850\n- Interest Rate Hedging Products redress and related costs\t550\t700\t0\n- regulatory and legal actions\t2394\t381\t0\n- integration and restructuring costs\t255\t325\t364\n- bank levy\t200\t175\t300\n- RFS Holdings minority interest\t(2)\t3\t0\nStatutory basis\t7244\t5593\t4436\nAdministrative expenses\t16755\t16013\t15421\nDepreciation and amortisation\t\t\t\n- managed basis\t1251\t1482\t1606\n- amortisation of purchased intangible assets\t153\t178\t222\n- integration and restructuring costs\t6\t142\t11\nStatutory basis\t1410\t1802\t1839\nWrite-down of goodwill\t1059\t18\t80\nWrite-down of other intangible assets\t344\t106\t0\nOperating expenses\t19568\t17939\t17340\nStaff costs as a percentage of total income\t36%\t46%\t35%\n", "q10k_tbl_68": "Integration costs\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nStaff costs--\t\t\t38\nPremises and equipment\t1\t(2)\t6\nOther administrative expenses\t1\t2\t51\nDepreciation and amortisation--\t\t\t11\n\t2-106\t\t\n", "q10k_tbl_69": "Accruals in relation to integration costs are set out below.\t\t\t\t\n\t\tCharge\tUtilised\tAt\n\tAt 1 January\tto income\tduring\t31 December\n\t2013\tstatement\tthe year\t2013\n\t£m\t£m\t£m\t£m\nPremises and equipment\t9\t1\t(10)\t0\nOther administrative expenses\t5\t1-6\t\t\n\t14\t2\t(10)\t6\n", "q10k_tbl_70": "Restructuring costs\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nStaff costs\t194\t700\t342\nPremises and equipment\t112\t141\t155\nOther administrative expenses\t177\t261\t268\nDepreciation and amortisation\t6\t142\t0\n\t489\t1244\t765\n", "q10k_tbl_71": "Accruals in relation to restructuring costs are set out below.\t\t\t\t\t\n\tAt\tCurrency\tCharge\tUtilised\tAt\n\t1 January\ttranslation\tto income\tduring\t31 December\n\t2013\tadjustments\tstatement\tthe year\t2013\n\t£m\t£m\t£m\t£m\t£m\nStaff costs - redundancy\t434\t4\t137\t(396)\t179\nStaff costs - other\t111\t1\t57\t(125)\t44\nPremises and equipment\t289-112\t\t\t(97)\t304\nOther administrative expenses\t264\t1\t177\t(228)\t214\nDepreciation and amortisation--\t\t\t6\t(6)\t0\n\t1098\t6\t489\t(852)\t741\n", "q10k_tbl_72": "Divestment costs\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nStaff costs\t86\t111\t84\nPremises and equipment\t2\t(2)\t11\nOther administrative expenses\t77\t62\t50\n\t165\t171\t145\n", "q10k_tbl_73": "Accruals in relation to divestment costs are set out below.\t\t\t\t\n\tAt\tCharge\tUtilised\tAt\n\t1 January\tto income\tduring\t31 December\n\t2013\tstatement\tthe year\t2013\n\t£m\t£m\t£m\t£m\nStaff costs - redundancy\t87\t34\t(104)\t17\nStaff costs - other\t46\t52\t(96)\t2\nPremises and equipment-2\t\t\t(2)\t0\nOther administrative expenses\t73\t77\t(137)\t13\n\t206\t165\t(339)\t32\n", "q10k_tbl_74": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nNew impairment losses\t8688\t5620\t9234\nLess: recoveries of amounts previously written-off\t(256)\t(341)\t(527)\nCharge to income statement\t8432\t5279\t8707\nComprising:\t\t\t\nLoan impairment losses\t8412\t5315\t7241\nSecurities\t\t\t\n- managed basis\t20\t(36)\t198\n- sovereign debt impairment and related interest rate hedge\t\t\t\nadjustments--\t\t\t1268\nStatutory basis\t20\t(36)\t1466\nCharge to income statement\t8432\t5279\t8707\nOf which RCR related (1)\t4490--\t\t\n", "q10k_tbl_75": "Tax\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nTax charge\t(382)\t(441)\t(1075)\n\t%%\t\t%\nUK corporation tax rate\t23.25\t24.50\t26.50\n*Restated - see page 105.\t\t\t\nThe actual tax charge differs from the expected tax credit computed by applying the standard rate of UK corporation tax as follows:\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nExpected tax credit\t1916\t1293\t370\nSovereign debt impairment where no deferred tax asset recognised--\t\t\t(275)\nOther losses in year where no deferred tax asset recognised\t(879)\t(511)\t(530)\nForeign profits taxed at other rates\t(196)\t(383)\t(417)\nUK tax rate change impact\t(313)\t(149)\t(112)\nUnrecognised timing differences\t(8)\t59\t(20)\nNon-deductible goodwill impairment\t(247)--\t\t\nItems not allowed for tax\t\t\t\n- losses on disposals and write-downs\t(20)\t(49)\t(72)\n- UK bank levy\t(47)\t(43)\t(80)\n- regulatory and legal actions\t(144)\t(93)\t0\n- employee share schemes\t(11)\t(9)\t(113)\n- other disallowable items\t(202)\t(246)\t(285)\nNon-taxable items\t\t\t\n- gain on sale of RBS Aviation Capital-26\t\t\t0\n- gain on sale of WorldPay (Global Merchant Services)\t37-12\t\t\n- other non-taxable items\t171\t104\t242\nTaxable foreign exchange movements\t(25)\t(1)\t4\nLosses brought forward and utilised\t36\t2\t2\nReduction in carrying value of deferred tax asset in respect of losses in\t\t\t\n- UK\t(701)--\t\t\n- Australia-(191)\t\t\t0\n- Ireland-(203)\t\t\t0\nAdjustments in respect of prior years\t251\t(47)\t199\nActual tax charge\t(382)\t(441)\t(1075)\n", "q10k_tbl_76": "Operating profit/(loss) by division\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nUK Retail\t1943\t1891\t2021\nUK Corporate\t1060\t1796\t1924\nWealth\t221\t243\t242\nInternational Banking\t279\t594\t755\nUlster Bank\t(1457)\t(1040)\t(984)\nUS Retail & Commercial\t647\t754\t537\nRetail & Commercial\t2693\t4238\t4495\nMarkets\t620\t1509\t899\nCentral items\t(89)\t84\t(34)\nCore\t3224\t5831\t5360\nNon-Core\t(5527)\t(2879)\t(4219)\nOperating (loss)/profit - managed basis\t(2303)\t2952\t1141\nReconciling items\t\t\t\nOwn credit adjustments\t(120)\t(4649)\t1914\nPayment Protection Insurance costs\t(900)\t(1110)\t(850)\nInterest Rate Hedging Products redress and related costs\t(550)\t(700)\t0\nRegulatory and legal actions\t(2394)\t(381)\t0\nSovereign debt impairment and related interest rate hedge adjustments--\t\t\t(1268)\nIntegration and restructuring costs\t(656)\t(1415)\t(1021)\nGain on redemption of own debt\t175\t454\t255\nWrite-down of goodwill\t(1059)\t(18)\t0\nAsset Protection Scheme-(44)\t\t\t(906)\nAmortisation of purchased intangible assets\t(153)\t(178)\t(222)\nStrategic disposals\t161\t113\t(105)\nBonus tax--\t\t\t(27)\nBank levy\t(200)\t(175)\t(300)\nWrite-down of other intangible assets\t(344)\t(106)\t0\nRFS Holdings minority interest\t100\t(20)\t(7)\nOperating loss before tax - statutory basis\t(8243)\t(5277)\t(1396)\n*Restated - see page 105.\t\t\t\n", "q10k_tbl_77": "Divisional performance continued\t\t\t\nImpairment losses/(recoveries) by division\t2013\t2012\t2011\n\t£m\t£m\t£m\nUK Retail\t324\t529\t788\nUK Corporate\t1188\t838\t793\nWealth\t29\t46\t25\nInternational Banking\t229\t111\t168\nUlster Bank\t1774\t1364\t1384\nUS Retail & Commercial\t156\t91\t326\nRetail & Commercial\t3700\t2979\t3484\nMarkets\t92\t37\t38\nCentral items\t64\t40\t(2)\nCore\t3856\t3056\t3520\nNon-Core\t4576\t2223\t3917\nManaged basis\t8432\t5279\t7437\nReconciling items\t\t\t\nSovereign debt impairment and related interest rate hedge adjustments--\t\t\t1268\nRFS Holdings minority interest--\t\t\t2\nStatutory basis\t8432\t5279\t8707\nOf which RCR related (1)\t4490--\t\t\n", "q10k_tbl_78": "Net interest margin by division\t2013\t2012\t2011\n\t%%\t\t%\nUK Retail\t3.57\t3.58\t3.95\nUK Corporate\t3.07\t3.06\t3.06\nWealth\t3.56\t3.73\t3.23\nInternational Banking\t1.59\t1.64\t1.73\nUlster Bank\t1.91\t1.88\t1.87\nUS Retail & Commercial\t2.95\t2.97\t3.03\nRetail & Commercial\t2.94\t2.92\t2.96\nNon-Core\t(0.19)\t0.31\t0.60\nGroup net interest margin\t2.02\t1.92\t1.89\n", "q10k_tbl_79": "Risk-weighted assets by division\t2013\t2012\t2011\n\t£bn\t£bn\t£bn\nUK Retail\t43.9\t45.7\t48.4\nUK Corporate\t86.1\t86.3\t79.3\nWealth\t12.0\t12.3\t12.9\nInternational Banking\t49.0\t51.9\t43.2\nUlster Bank\t30.7\t36.1\t36.3\nUS Retail & Commercial\t56.1\t56.5\t59.3\nRetail & Commercial\t277.8\t288.8\t279.4\nMarkets\t64.5\t101.3\t120.3\nOther\t10.1\t5.8\t12.0\nCore\t352.4\t395.9\t411.7\nNon-Core\t29.2\t60.4\t93.3\nGroup before benefit of Asset Protection Scheme\t381.6\t456.3\t505.0\nBenefit of Asset Protection Scheme--\t\t\t(69.1)\nGroup before RFS Holdings minority interest\t381.6\t456.3\t435.9\nRFS Holdings minority interest\t3.9\t3.3\t3.1\nGroup\t385.5\t459.6\t439.0\n", "q10k_tbl_80": "Divisional performance continued\t\t\t\nEmployee numbers at 31 December\t\t\t\n(full time equivalents rounded to the nearest hundred)\t\t\t\n\t2013\t2012\t2011\nUK Retail\t23700\t26000\t27700\nUK Corporate\t13700\t13300\t13600\nWealth\t4800\t5100\t5500\nInternational Banking\t4700\t4600\t5600\nUlster Bank\t4700\t4500\t4200\nUS Retail & Commercial\t18500\t18700\t19500\nRetail & Commercial\t70100\t72200\t76100\nMarkets\t10300\t11300\t14000\nCentral items\t7400\t6800\t6200\nCore\t87800\t90300\t96300\nNon-Core\t1400\t3100\t4700\n\t89200\t93400\t101000\nBusiness Services\t29200\t29100\t29800\nIntegration and restructuring\t200\t500\t1100\nGroup\t118600\t123000\t131900\n", "q10k_tbl_81": "UK Retail\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t3979\t3990\t4302\nNet fees and commissions\t919\t884\t1066\nOther non-interest income\t39\t95\t140\nNon-interest income\t958\t979\t1206\nTotal income\t4937\t4969\t5508\nDirect expenses\t\t\t\n- staff\t(707)\t(811)\t(853)\n- other\t(562)\t(372)\t(437)\nIndirect expenses\t(1401)\t(1366)\t(1409)\n\t(2670)\t(2549)\t(2699)\nProfit before impairment losses\t2267\t2420\t2809\nImpairment losses\t(324)\t(529)\t(788)\nOperating profit\t1943\t1891\t2021\nAnalysis of income by product\t\t\t\nPersonal advances\t923\t916\t1089\nPersonal deposits\t468\t661\t961\nMortgages\t2606\t2367\t2277\nCards\t838\t863\t950\nOther\t102\t162\t231\nTotal income\t4937\t4969\t5508\nAnalysis of impairments by sector\t\t\t\nMortgages\t30\t92\t182\nPersonal\t180\t307\t437\nCards\t114\t130\t169\nTotal impairment losses\t324\t529\t788\nLoan impairment charge as % of gross customer loans and advances\t\t\t\n(excluding reverse repurchase agreements) by sector\nMortgages-0.1%\t\t\t0.2%\nPersonal\t2.2%\t3.5%\t4.3%\nCards\t2.0%\t2.3%\t3.0%\nTotal\t0.3%\t0.5%\t0.7%\nPerformance ratios\t\t\t\nReturn on equity (1)\t26.3%\t24.4%\t24.5%\nNet interest margin\t3.57%\t3.58%\t3.95%\nCost:income ratio\t54%\t51%\t49%\nFor the notes to this table refer to the following page.\t\t\t\n", "q10k_tbl_82": "UK Retail continued\t\t\t\n\t2013\t2012\t2011\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross)\t\t\t\n- mortgages\t99.3\t99.1\t95.0\n- personal\t8.1\t8.8\t10.1\n- cards\t5.8\t5.7\t5.7\n\t113.2\t113.6\t110.8\nLoan impairment provisions\t(2.1)\t(2.6)\t(2.7)\nNet loans and advances to customers\t111.1\t111.0\t108.1\nRisk elements in lending\t3.6\t4.6\t4.6\nProvision coverage (2)\t59%\t58%\t58%\nCustomer deposits\t\t\t\n- current accounts\t32.6\t28.9\t26.8\n- savings\t82.3\t78.7\t75.1\nTotal customer deposits\t114.9\t107.6\t101.9\nAssets under management (excluding deposits)\t5.8\t6.0\t5.5\nLoan:deposit ratio (excluding repos)\t97%\t103%\t106%\nRisk-weighted assets (3)\t\t\t\n- credit risk (non-counterparty)\t36.1\t37.9\t41.1\n- operational risk\t7.8\t7.8\t7.3\nTotal risk-weighted assets\t43.9\t45.7\t48.4\n", "q10k_tbl_83": "UK Corporate\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t2874\t2974\t3092\nNet fees and commissions\t1310\t1365\t1375\nOther non-interest income\t283\t384\t396\nNon-interest income\t1593\t1749\t1771\nTotal income\t4467\t4723\t4863\nDirect expenses\t\t\t\n- staff\t(912)\t(940)\t(934)\n- other\t(442)\t(364)\t(390)\nIndirect expenses\t(865)\t(785)\t(822)\n\t(2219)\t(2089)\t(2146)\nProfit before impairment losses\t2248\t2634\t2717\nImpairment losses\t(1188)\t(838)\t(793)\nOperating profit\t1060\t1796\t1924\nAnalysis of income by business\t\t\t\nCorporate and commercial lending\t2557\t2636\t2643\nAsset and invoice finance\t671\t685\t660\nCorporate deposits\t350\t568\t694\nOther\t889\t834\t866\nTotal income\t4467\t4723\t4863\nAnalysis of impairments by sector\t\t\t\nFinancial institutions\t10\t15\t20\nHotels and restaurants\t53\t52\t59\nHousebuilding and construction\t39\t143\t103\nManufacturing\t50\t49\t34\nPrivate sector education health social work recreational and community services\t138\t37\t113\nProperty\t439\t252\t170\nWholesale and retail trade repairs\t74\t112\t85\nAsset and invoice finance\t32\t40\t38\nShipping\t341\t82\t22\nOther\t12\t56\t149\nTotal impairment losses\t1188\t838\t793\nOf which RCR related (1)\t410--\t\t\nLoan impairment charge as % of gross customer loans and advances\t\t\t\n(excluding reverse repurchase agreements) by sector\nFinancial institutions\t0.2%\t0.3%\t0.3%\nHotels and restaurants\t1.1%\t0.9%\t1.0%\nHousebuilding and construction\t1.3%\t4.2%\t2.6%\nManufacturing\t1.2%\t1.0%\t0.7%\nPrivate sector education health social work recreational and community services\t1.6%\t0.4%\t1.3%\nProperty\t2.0%\t1.0%\t0.6%\nWholesale and retail trade repairs\t0.9%\t1.3%\t1.0%\nAsset and invoice finance\t0.3%\t0.4%\t0.4%\nShipping\t5.2%\t1.1%\t0.3%\nOther-0.2%\t\t\t0.6%\nTotal\t1.2%\t0.8%\t0.7%\n", "q10k_tbl_84": "UK Corporate continued\t\t\t\n\t2013\t2012\t2011\nPerformance ratios\t\t\t\nReturn on equity (1)\t7.9%\t14.5%\t15.2%\nNet interest margin\t3.07%\t3.06%\t3.06%\nCost:income ratio\t50%\t44%\t44%\nCapital and balance sheet\t£bn\t£bn\t£bn\nLoans and advances to customers (gross)\t\t\t\n- financial institutions\t5.5\t5.8\t5.8\n- hotels and restaurants\t4.7\t5.6\t6.1\n- housebuilding and construction\t2.9\t3.4\t3.9\n- manufacturing\t4.2\t4.7\t4.7\n- private sector education health social work recreational and community services\t8.5\t8.7\t8.7\n- property\t22.0\t24.8\t28.2\n- wholesale and retail trade repairs\t8.2\t8.5\t8.7\n- asset and invoice finance\t11.7\t11.2\t10.4\n- shipping\t6.5\t7.6\t7.8\n- other\t28.3\t26.7\t26.4\n\t102.5\t107.0\t110.7\nLoan impairment provisions\t(2.8)\t(2.4)\t(2.1)\nNet loans and advances to customers\t99.7\t104.6\t108.6\nTotal third party assets\t105.0\t110.2\t114.2\nRisk elements in lending\t6.2\t5.5\t5.0\nProvision coverage (2)\t46%\t45%\t40%\nCustomer deposits\t124.7\t127.1\t126.3\nLoan:deposit ratio (excluding repos)\t80%\t82%\t86%\nRisk-weighted assets\t\t\t\n- credit risk (non-counterparty)\t77.7\t77.7\t71.2\n- operational risk\t8.4\t8.6\t8.1\nTotal risk-weighted assets\t86.1\t86.3\t79.3\n", "q10k_tbl_85": "Wealth\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t674\t720\t645\nNet fees and commissions\t355\t366\t375\nOther non-interest income\t64\t84\t84\nNon-interest income\t419\t450\t459\nTotal income\t1093\t1170\t1104\nDirect expenses\t\t\t\n- staff\t(405)\t(419)\t(405)\n- other\t(124)\t(162)\t(134)\nIndirect expenses\t(314)\t(300)\t(298)\n\t(843)\t(881)\t(837)\nProfit before impairment losses\t250\t289\t267\nImpairment losses\t(29)\t(46)\t(25)\nOperating profit\t221\t243\t242\nAnalysis of income\t\t\t\nPrivate banking\t894\t956\t902\nInvestments\t199\t214\t202\nTotal income\t1093\t1170\t1104\nPerformance ratios\t\t\t\nReturn on equity (1)\t12.0%\t13.1%\t12.8%\nNet interest margin\t3.56%\t3.73%\t3.23%\nCost:income ratio\t77%\t75%\t76%\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross)\t\t\t\n- mortgages\t8.7\t8.8\t8.3\n- personal\t5.6\t5.5\t6.9\n- other\t2.5\t2.8\t1.7\n\t16.8\t17.1\t16.9\nLoan impairment provisions\t(0.1)\t(0.1)\t(0.1)\nNet loans and advances to customers\t16.7\t17.0\t16.8\nRisk elements in lending\t0.3\t0.2\t0.2\nProvision coverage (2)\t43%\t44%\t38%\nAssets under management (excluding deposits)\t29.7\t28.9\t30.9\nCustomer deposits\t37.2\t38.9\t38.2\nLoan:deposit ratio (excluding repos)\t45%\t44%\t44%\nRisk-weighted assets\t\t\t\n- credit risk (non-counterparty)\t10.0\t10.3\t10.9\n- market risk\t0.1\t0.1\t0.1\n- operational risk\t1.9\t1.9\t1.9\nTotal risk-weighted assets\t12.0\t12.3\t12.9\n", "q10k_tbl_86": "International Banking\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income from banking activities\t713\t922\t1199\nFunding costs of rental assets-(9)\t\t\t(42)\nNet interest income\t713\t913\t1157\nNon-interest income\t1135\t1209\t1398\nTotal income\t1848\t2122\t2555\nDirect expenses\t\t\t\n- staff\t(530)\t(580)\t(710)\n- other\t(171)\t(164)\t(228)\nIndirect expenses\t(639)\t(673)\t(694)\n\t(1340)\t(1417)\t(1632)\nProfit before impairment losses\t508\t705\t923\nImpairment losses\t(229)\t(111)\t(168)\nOperating profit\t279\t594\t755\nOf which:\t\t\t\nOngoing businesses\t279\t602\t773\nRun-off businesses-(8)\t\t\t(18)\nAnalysis of income by product\t\t\t\nCash management\t738\t943\t940\nTrade finance\t295\t291\t275\nLoan portfolio\t814\t865\t1265\nOngoing businesses\t1847\t2099\t2480\nRun-off businesses\t1\t23\t75\nTotal income\t1848\t2122\t2555\nAnalysis of impairments/(recoveries) by sector\t\t\t\nManufacturing and infrastructure\t147\t42\t254\nProperty and construction\t15\t7\t17\nTransport and storage\t55\t(3)\t11\nTelecommunications media and technology\t(7)\t12\t0\nBanks and financial institutions\t(15)\t43\t(42)\nOther\t34\t10\t(72)\nTotal impairment losses\t229\t111\t168\nOf which RCR related (1)\t52--\t\t\nLoan impairment charge as % of gross customer loans and advances\t0.6%\t0.3%\t0.3%\n(excluding reverse repurchase agreements)\nPerformance ratios (ongoing businesses)\t\t\t\nReturn on equity (2)\t3.9%\t9.1%\t11.5%\nNet interest margin\t1.59%\t1.64%\t1.73%\nCost:income ratio\t73%\t66%\t62%\n", "q10k_tbl_87": "International Banking continued\t\t\t\n\t2013\t2012\t2011\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross) (1)\t36.0\t42.2\t57.7\nLoan impairment provisions\t(0.3)\t(0.4)\t(0.8)\nNet loans and advances to customers\t35.7\t41.8\t56.9\nLoans and advances to banks\t8.0\t4.8\t3.4\nSecurities\t2.4\t2.6\t6.0\nCash and eligible bills\t0.3\t0.5\t0.3\nOther\t2.1\t3.3\t3.3\nTotal third party assets (excluding derivatives mark-to-market)\t48.5\t53.0\t69.9\nRisk elements in lending\t0.5\t0.4\t1.6\nProvision coverage (2)\t69%\t93%\t52%\nCustomer deposits (excluding repos)\t39.3\t46.2\t45.1\nBank deposits (excluding repos)\t6.5\t5.6\t11.4\nLoan:deposit ratio (excluding repos and conduits)\t91%\t91%\t126%\nRisk-weighted assets\t\t\t\n- Credit risk (non-counterparty)\t44.3\t46.7\t38.9\n- Operational risk\t4.7\t5.2\t4.3\nTotal risk-weighted assets\t49.0\t51.9\t43.2\n\t£m\t£m\t£m\nRun-off businesses (3)\t\t\t\nTotal income\t1\t23\t75\nDirect expenses\t(1)\t(31)\t(93)\nOperating loss-(8)\t\t\t(18)\n", "q10k_tbl_88": "Ulster Bank\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t631\t649\t736\nNet fees and commissions\t141\t145\t142\nOther non-interest income\t99\t51\t69\nNon-interest income\t240\t196\t211\nTotal income\t871\t845\t947\nDirect expenses\t\t\t\n- staff\t(239)\t(214)\t(225)\n- other\t(63)\t(49)\t(67)\nIndirect expenses\t(252)\t(258)\t(255)\n\t(554)\t(521)\t(547)\nProfit before impairment losses\t317\t324\t400\nImpairment losses\t(1774)\t(1364)\t(1384)\nOperating loss\t(1457)\t(1040)\t(984)\nAnalysis of income by business\t\t\t\nCorporate\t315\t360\t435\nRetail\t408\t360\t428\nOther\t148\t125\t84\nTotal income\t871\t845\t947\nAnalysis of impairments by sector\t\t\t\nMortgages\t235\t646\t570\nCommercial real estate\t\t\t\n- investment\t593\t221\t225\n- development\t153\t55\t99\nOther corporate\t771\t389\t434\nOther lending\t22\t53\t56\nTotal impairment losses\t1774\t1364\t1384\nOf which RCR related (1)\t892--\t\t\nLoan impairment charge as % of gross customer loans and advances\t\t\t\n(excluding reverse repurchase agreements) by sector\nMortgages\t1.2%\t3.4%\t2.9%\nCommercial real estate\t\t\t\n- investment\t17.4%\t6.1%\t5.8%\n- development\t21.9%\t7.9%\t11.0%\nOther corporate\t10.9%\t5.0%\t5.6%\nOther lending\t1.8%\t4.1%\t3.5%\nTotal\t5.6%\t4.2%\t4.1%\nPerformance ratios\t\t\t\nReturn on equity (2)\t(32.4%)\t(21.8%)\t(22.8%)\nNet interest margin\t1.91%\t1.88%\t1.87%\nCost:income ratio\t64%\t62%\t58%\n", "q10k_tbl_89": "Ulster Bank continued\t\t\t\n\t2013\t2012\t2011\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross)\t\t\t\n- mortgages\t19.0\t19.2\t20.0\n- commercial real estate\t\t\t\n- investment\t3.4\t3.6\t3.9\n- development\t0.7\t0.7\t0.9\n- other corporate\t7.1\t7.8\t7.7\n- other lending\t1.2\t1.3\t1.6\n\t31.4\t32.6\t34.1\nLoan impairment provisions\t(5.4)\t(3.9)\t(2.7)\nNet loans and advances to customers\t26.0\t28.7\t31.4\nRisk elements in lending\t\t\t\n- mortgages\t3.2\t3.1\t2.2\n- commercial real estate\t\t\t\n- investment\t2.3\t1.6\t1.0\n- development\t0.5\t0.4\t0.3\n- other corporate\t2.3\t2.2\t1.8\n- other lending\t0.2\t0.2\t0.2\nTotal risk elements in lending\t8.5\t7.5\t5.5\nProvision coverage (1)\t64%\t52%\t50%\nCustomer deposits\t21.7\t22.1\t21.8\nLoan:deposit ratio (excluding repos)\t120%\t130%\t143%\nRisk-weighted assets\t\t\t\n- credit risk\t\t\t\n- non-counterparty\t28.2\t33.6\t33.6\n- counterparty\t0.3\t0.6\t0.6\n- market risk\t0.5\t0.2\t0.3\n- operational risk\t1.7\t1.7\t1.8\nTotal risk-weighted assets\t30.7\t36.1\t36.3\nSpot exchange rate - €/£\t1.201\t1.227\t1.196\n", "q10k_tbl_90": "US Retail & Commercial\t2013\t2012\t2011\t2013\t2012\t2011\n\tUS$m\tUS$m\tUS$m\t£m\t£m\t£m\nNet interest income\t2998\t3062\t3015\t1916\t1932\t1879\nNet fees and commissions\t1190\t1253\t1368\t761\t791\t853\nOther non-interest income\t489\t584\t479\t312\t368\t299\nNon-interest income\t1679\t1837\t1847\t1073\t1159\t1152\nTotal income\t4677\t4899\t4862\t2989\t3091\t3031\nDirect expenses\t\t\t\t\t\t\n- staff\t(1667)\t(1605)\t(1620)\t(1065)\t(1013)\t(1010)\n- other\t(1521)\t(1609)\t(1674)\t(972)\t(1014)\t(1044)\n- litigation settlement-(138)\t\t\t0\t0\t(88)\t0\nIndirect expenses\t(233)\t(206)\t(184)\t(149)\t(131)\t(114)\n\t(3421)\t(3558)\t(3478)\t(2186)\t(2246)\t(2168)\nProfit before impairment losses\t1256\t1341\t1384\t803\t845\t863\nImpairment losses\t(244)\t(145)\t(524)\t(156)\t(91)\t(326)\nOperating profit\t1012\t1196\t860\t647\t754\t537\nAverage exchange rate - US$/£\t\t\t\t1.565\t1.585\t1.604\nAnalysis of income by product\t\t\t\t\t\t\nMortgages and home equity\t716\t856\t744\t458\t540\t463\nPersonal lending and cards\t643\t637\t700\t411\t402\t436\nRetail deposits\t1194\t1348\t1465\t763\t852\t914\nCommercial lending\t1062\t965\t936\t679\t609\t584\nCommercial deposits\t631\t689\t656\t403\t434\t410\nOther\t431\t404\t361\t275\t254\t224\nTotal income\t4677\t4899\t4862\t2989\t3091\t3031\nAnalysis of impairments by sector\t\t\t\t\t\t\nResidential mortgages\t44\t(2)\t44\t28\t(1)\t28\nHome equity\t101\t150\t165\t65\t95\t103\nCorporate and commercial\t(36)\t(120)\t88\t(23)\t(77)\t55\nOther consumer\t127\t104\t101\t81\t65\t61\nSecurities\t8\t13\t126\t5\t9\t79\nTotal impairment losses\t244\t145\t524\t156\t91\t326\nLoan impairment charge as % of gross customer loans\t\t\t\t\t\t\nand advances (excluding reverse repurchase\nagreements) by sector\t\t\t\t\t\t\nResidential mortgages\t0.5%-0.5%\t\t\t0.5%-0.5%\t\t\nHome equity\t0.5%\t0.7%\t0.7%\t0.5%\t0.7%\t0.7%\nCorporate and commercial\t(0.1%)\t(0.3%)\t0.2%\t(0.1%)\t(0.3%)\t0.2%\nOther consumer\t0.9%\t0.8%\t0.8%\t0.9%\t0.8%\t0.8%\nTotal\t0.3%\t0.2%\t0.5%\t0.3%\t0.2%\t0.5%\nPerformance ratios\t\t\t\t\t\t\nReturn on equity (1)\t7.2%\t8.3%\t6.3%\t7.2%\t8.3%\t6.3%\nNet interest margin\t2.95%\t2.97%\t3.03%\t2.95%\t2.97%\t3.03%\nCost:income ratio\t73%\t73%\t72%\t73%\t73%\t72%\n", "q10k_tbl_91": "US Retail & Commercial continued\t\t\t\t\t\t\n\t2013\t2012\t2011\t2013\t2012\t2011\n\tUS$bn\tUS$bn\tUS$bn\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\t\t\t\nLoans and advances to customers (gross)\t\t\t\t\t\t\n- residential mortgages\t9.6\t9.4\t9.4\t5.8\t5.8\t6.1\n- home equity\t20.1\t21.5\t23.1\t12.1\t13.3\t14.9\n- corporate and commercial\t39.8\t38.5\t35.3\t24.1\t23.8\t22.9\n- other consumer\t14.1\t13.5\t12.0\t8.6\t8.4\t7.7\n\t83.6\t82.9\t79.8\t50.6\t51.3\t51.6\nLoan impairment provisions\t(0.4)\t(0.5)\t(0.7)\t(0.3)\t(0.3)\t(0.5)\nNet loans and advances to customers\t83.2\t82.4\t79.1\t50.3\t51.0\t51.1\nTotal third party assets\t118.7\t117.7\t117.8\t71.7\t72.8\t76.1\nInvestment securities\t21.3\t19.5\t23.5\t12.9\t12.0\t15.2\nRisk elements in lending\t\t\t\t\t\t\n- retail\t1.5\t1.3\t1.0\t0.9\t0.8\t0.6\n- commercial\t0.2\t0.6\t0.6\t0.1\t0.3\t0.4\nTotal risk elements in lending\t1.7\t1.9\t1.6\t1.0\t1.1\t1.0\nProvision coverage (1)\t26%\t25%\t45%\t26%\t25%\t45%\nCustomer deposits (excluding repos)\t91.1\t95.6\t92.8\t55.1\t59.2\t60.0\nBank deposits (excluding repos)\t3.3\t2.9\t8.0\t2.0\t1.8\t5.2\nLoan:deposit ratio (excluding repos)\t91%\t86%\t85%\t91%\t86%\t85%\nRisk-weighted assets\t\t\t\t\t\t\n- credit risk\t\t\t\t\t\t\n- non-counterparty\t83.8\t82.0\t83.0\t50.7\t50.8\t53.6\n- counterparty\t0.8\t1.4\t1.5\t0.5\t0.8\t1.0\n- operational risk\t8.2\t7.9\t7.3\t4.9\t4.9\t4.7\n\t92.8\t91.3\t91.8\t56.1\t56.5\t59.3\nSpot exchange rate - US$/£\t\t\t\t1.654\t1.616\t1.548\n", "q10k_tbl_92": "Markets\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t157\t111\t67\nNet fees and commissions receivable\t75\t128\t371\nIncome from trading activities\t3057\t4105\t3846\nOther operating income\t33\t139\t131\nNon-interest income\t3165\t4372\t4348\nTotal income\t3322\t4483\t4415\nDirect expenses\t\t\t\n- staff\t(1177)\t(1453)\t(1959)\n- other\t(723)\t(722)\t(748)\nIndirect expenses\t(710)\t(762)\t(771)\n\t(2610)\t(2937)\t(3478)\nProfit before impairment losses\t712\t1546\t937\nImpairment losses (1)\t(92)\t(37)\t(38)\nOperating profit\t620\t1509\t899\nOf which:\t\t\t\nOngoing businesses (2)\t655\t1431\t523\nRun-off and recovery businesses\t(35)\t78\t376\nAnalysis of income by product\t\t\t\nRates\t1053\t1922\t1459\nCurrencies\t1000\t775\t1129\nAsset-backed products (ABP)\t943\t1322\t1221\nCredit markets\t699\t735\t461\nTotal income ongoing businesses\t3695\t4754\t4270\nInter-divisional revenue share\t(612)\t(708)\t(828)\nRun-off and recovery businesses\t239\t437\t973\nTotal income\t3322\t4483\t4415\nMemo - fixed income and currencies\t\t\t\nTotal income ongoing businesses\t3695\t4754\t4270\nLess: primary credit markets\t(561)\t(574)\t(683)\nTotal fixed income and currencies\t3134\t4180\t3587\nPerformance ratios\t\t\t\nReturn on equity (3)\t5.0%\t9.6%\t5.9%\nCost:income ratio\t79%\t66%\t79%\nCompensation ratio (4)\t35%\t32%\t44%\n", "q10k_tbl_93": "Markets continued\t\t\t\n\t2013\t2012\t2011\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross)\t25.4\t29.8\t31.5\nLoan impairment provisions\t(0.2)\t(0.2)\t(0.2)\nNet loans and advances to customers\t25.2\t29.6\t31.3\nNet loans and advances to banks\t12.5\t16.6\t29.9\nReverse repos\t76.2\t103.8\t100.5\nSecurities\t69.8\t92.4\t108.4\nCash and eligible bills\t20.3\t30.2\t28.1\nOther\t8.8\t11.9\t15.7\nTotal third party assets (excluding derivatives mark-to-market)\t212.8\t284.5\t313.9\nNet derivative assets (after netting)\t15.5\t21.9\t37.0\nProvision coverage (1)\t85%\t77%\t75%\nCustomer deposits (excluding repos)\t21.5\t26.3\t36.8\nBank deposits (excluding repos)\t23.8\t45.4\t48.2\nRisk-weighted assets\t\t\t\n- credit risk\t\t\t\n- non-counterparty\t10.8\t14.0\t16.7\n- counterparty\t17.5\t34.7\t39.9\n- market risk\t26.4\t36.9\t50.6\n- operational risk\t9.8\t15.7\t13.1\nTotal risk-weighted assets\t64.5\t101.3\t120.3\nIncome statement (ongoing business)\t£m\t£m\t£m\nTotal income\t3094\t4076\t3507\nDirect expenses\t(1750)\t(1902)\t(2220)\nIndirect expenses\t(682)\t(753)\t(762)\nImpairment (losses)/recoveries\t(7)\t10\t(2)\nOperating profit\t655\t1431\t523\nPerformance ratios (ongoing business)\t\t\t\nReturn on equity (2)\t6.8%\t11.5%\t4.3%\nCost:income ratio\t79%\t65%\t85%\nCompensation ratio (3)\t35%\t31%\t46%\nBalance sheet (ongoing businesses)\t£bn\t£bn\t£bn\nTotal third party assets (excluding derivatives mark-to-market)\t198.8\t259.3\t278.6\nRisk-weighted assets\t52.1\t79.1\t95.5\n", "q10k_tbl_94": "Central items\t2013\t2012\t2011\n\t£m\t£m\t£m\nCentral items not allocated\t(89)\t84\t(34)\n", "q10k_tbl_95": "Non-Core\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet interest income\t(61)\t346\t828\nFunding costs of rental assets\t(38)\t(102)\t(215)\nNet interest income\t(99)\t244\t613\nNet fees and commissions\t55\t105\t54\nLoss from trading activities\t(148)\t(654)\t(721)\nOther operating income\t\t\t\n- rental income\t177\t510\t953\n- other (1)\t(331)\t83\t75\nNon-interest income\t(247)\t44\t361\nTotal income\t(346)\t288\t974\nDirect expenses\t\t\t\n- staff\t(203)\t(276)\t(376)\n- operating lease depreciation\t(76)\t(246)\t(347)\n- other\t(128)\t(164)\t(240)\nIndirect expenses\t(198)\t(258)\t(313)\n\t(605)\t(944)\t(1276)\nLoss before impairment losses\t(951)\t(656)\t(302)\nImpairment losses\t(4576)\t(2223)\t(3917)\nOperating loss\t(5527)\t(2879)\t(4219)\nAnalysis of (loss)/income by business\t\t\t\nBanking & portfolios\t(496)\t40\t1251\nInternational businesses\t51\t250\t411\nMarkets\t99\t(2)\t(688)\nTotal income\t(346)\t288\t974\nLoss from trading activities\t\t\t\nMonoline exposures\t(46)\t(205)\t(670)\nCredit derivative product companies\t(5)\t(205)\t(85)\nAsset-backed products (2)\t103\t101\t29\nOther credit exotics\t32\t(28)\t(175)\nEquities\t2\t(2)\t(11)\nBanking book hedges\t3\t(38)\t(1)\nOther\t(237)\t(277)\t192\n\t(148)\t(654)\t(721)\nImpairment losses\t\t\t\nBanking & portfolios\t4646\t2346\t3831\nInternational businesses\t1\t56\t82\nMarkets\t(71)\t(179)\t4\nTotal impairment losses\t4576\t2223\t3917\nOf which RCR related (3)\t3118--\t\t\nLoan impairment charge as % of gross customer loans and advances\t\t\t\n(excluding reverse repurchase agreements) (4)\nBanking & portfolios\t12.9%\t4.2%\t4.9%\nInternational businesses\t0.5%\t5.1%\t3.7%\nMarkets--\t\t\t(3.0%)\nTotal\t12.8%\t4.2%\t4.8%\n", "q10k_tbl_96": "Non-Core continued\t\t\t\n\t2013\t2012\t2011\nPerformance ratio\t\t\t\nNet interest margin\t(0.19%)\t0.31%\t0.60%\n\t£bn\t£bn\t£bn\nCapital and balance sheet\t\t\t\nLoans and advances to customers (gross) (1)\t35.6\t55.4\t79.4\nLoan impairment provisions\t(13.8)\t(11.2)\t(11.5)\nNet loans and advances to customers\t21.8\t44.2\t67.9\nTotal third party assets (excluding derivatives)\t28.0\t57.4\t92.5\nTotal third party assets (including derivatives)\t31.2\t63.4\t103.6\nRisk elements in lending (1)\t19.0\t21.4\t24.0\nProvision coverage (2)\t73%\t52%\t48%\nCustomer deposits (1)\t2.2\t2.7\t3.5\nRisk-weighted assets\t\t\t\n- credit risk\t\t\t\n- non-counterparty\t21.0\t45.1\t65.6\n- counterparty\t3.7\t11.5\t20.2\n- market risk\t3.3\t5.4\t13.0\n- operational risk\t1.2\t(1.6)\t(5.5)\nTotal risk-weighted assets\t29.2\t60.4\t93.3\nGross customer loans and advances\t\t\t\nBanking & portfolios\t35.4\t54.5\t77.3\nInternational businesses\t0.2\t0.9\t2.0\nMarkets--\t\t\t0.1\n\t35.6\t55.4\t79.4\nRisk-weighted assets\t\t\t\nBanking & portfolios\t26.2\t53.3\t64.8\nInternational businesses\t0.7\t2.4\t4.1\nMarkets\t2.3\t4.7\t24.4\n\t29.2\t60.4\t93.3\nThird party assets (excluding derivatives)\t\t\t\nBanking & portfolios\t25.9\t51.1\t80.1\nInternational businesses\t0.3\t1.2\t2.9\nMarkets\t1.8\t5.1\t9.5\n\t28.0\t57.4\t92.5\nFor the notes to this table refer to the following page.\t\t\t\n", "q10k_tbl_97": "Non-Core continued\t\t\t\t\t\t\t\n\t31 December\t\tDisposals/\tDrawings/\t\tForeign\t31 December\n\t2012\tRun-off\trestructuring\troll overs\tImpairments\texchange\t2013\nThird party assets (excluding derivatives)\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nCommercial real estate\t22.1\t(5.3)\t(2.3)\t0.2\t(4.1)\t0.3\t10.9\nCorporate\t25.5\t(8.2)\t(4.6)\t0.8\t(0.3)\t(0.2)\t13.0\nSME\t1.0\t(0.5)\t(0.2)--\t\t\t0\t0.3\nRetail\t3.2\t(0.6)\t(0.6)-(0.2)\t\t\t0\t1.8\nOther\t0.5\t(0.3)--\t\t\t--0.2\t\t\nMarkets\t5.1\t(0.3)\t(3.0)--\t\t\t0\t1.8\nTotal (3)\t57.4\t(15.2)\t(10.7)\t1.0\t(4.6)\t0.1\t28.0\n", "q10k_tbl_98": "\t2013\t2012\t2011\nCommercial real estate third party assets\t£bn\t£bn\t£bn\nUK (excluding NI)\t4.7\t8.9\t11.4\nIreland (ROI and NI)\t2.3\t5.8\t7.7\nSpain\t0.8\t1.4\t1.8\nRest of Europe\t2.8\t4.9\t7.9\nUSA\t0.3\t0.9\t2.2\nRoW-0.2\t\t\t0.5\nTotal (excluding derivatives)\t10.9\t22.1\t31.5\n", "q10k_tbl_99": "Non-Core continued\t\t\t\n\t2013\t2012\t2011\nImpairment losses by donating division and sector\t£m\t£m\t£m\nUK Retail\t\t\t\nMortgages--\t\t\t5\nPersonal\t(1)\t4\t(27)\nTotal UK Retail\t(1)\t4\t(22)\nUK Corporate\t\t\t\nManufacturing and infrastructure\t60\t19\t76\nProperty and construction\t228\t88\t224\nTransport\t40\t16\t52\nFinancial institutions\t(8)\t(38)\t5\nLombard\t(4)\t48\t75\nOther\t40\t107\t96\nTotal UK Corporate\t356\t240\t528\nUlster Bank\t\t\t\nMortgages\t\t\t\nCommercial real estate\t\t\t\n- investment\t837\t288\t609\n- development\t1836\t611\t1552\nOther corporate\t345\t77\t173\nOther EMEA\t9\t7\t15\nTotal Ulster Bank\t3027\t983\t2349\nUS Retail & Commercial\t\t\t\nAuto and consumer\t55\t49\t58\nCards-1\t\t\t(9)\nSBO/home equity\t83\t130\t201\nResidential mortgages\t12\t21\t16\nCommercial real estate\t9\t(12)\t40\nCommercial and other\t(3)\t(12)\t(3)\nTotal US Retail & Commercial\t156\t177\t303\nInternational Banking\t\t\t\nManufacturing and infrastructure\t(42)\t3\t57\nProperty and construction\t835\t623\t752\nTransport\t26\t199\t(3)\nTelecoms media and technology\t24\t32\t68\nBanking and financial institutions\t(49)\t(58)\t(98)\nOther\t245\t18\t(19)\nTotal International Banking\t1039\t817\t757\nOther\t\t\t\nWealth\t(1)\t1\t1\nCentral items-1\t\t\t1\nTotal Other\t(1)\t2\t2\nTotal impairment losses\t4576\t2223\t3917\nOf which RCR related (1)\t3118--\t\t\n", "q10k_tbl_100": "Non-Core continued\t\t\t\nGross loans and advances to customers (excluding reverse repurchase agreements) by\t2013\t2012\t2011\ndonating division and sector\t£bn\t£bn\t£bn\nUK Retail\t\t\t\nMortgages--\t\t\t1.4\nPersonal--\t\t\t0.1\nTotal UK Retail--\t\t\t1.5\nUK Corporate\t\t\t\nManufacturing and infrastructure-0.1\t\t\t0.1\nProperty and construction\t1.7\t3.6\t5.9\nTransport\t2.7\t3.8\t4.5\nFinancial institutions-0.2\t\t\t0.6\nLombard\t0.2\t0.4\t1.0\nOther\t1.2\t4.2\t7.5\nTotal UK Corporate\t5.8\t12.3\t19.6\nUlster Bank\t\t\t\nCommercial real estate\t\t\t\n- investment\t3.2\t3.4\t3.9\n- development\t6.9\t7.6\t8.5\nOther corporate\t1.5\t1.6\t1.6\nOther EMEA-0.3\t\t\t0.4\nTotal Ulster Bank\t11.6\t12.9\t14.4\nUS Retail & Commercial\t\t\t\nAuto and consumer\t0.2\t0.6\t0.8\nCards--\t\t\t0.1\nSBO/home equity\t1.5\t2.0\t2.5\nResidential mortgages\t0.3\t0.4\t0.6\nCommercial real estate\t0.2\t0.4\t1.0\nCommercial and other\t0.1\t0.1\t0.4\nTotal US Retail & Commercial\t2.3\t3.5\t5.4\nMarkets\t\t\t\nManufacturing and infrastructure\t1.4\t3.9\t6.6\nProperty and construction\t7.5\t12.3\t15.3\nTransport\t1.4\t1.7\t3.2\nTelecoms media and technology\t0.8\t0.4\t0.7\nBanking and financial institutions\t2.9\t4.7\t5.6\nOther\t1.9\t3.7\t7.0\nTotal Markets\t15.9\t26.7\t38.4\nOther\t\t\t\nWealth--\t\t\t0.2\nCentral items--\t\t\t(0.2)\nTotal Other--\t\t\t0\nGross loans and advances to customers (excluding reverse repurchase agreements)\t35.6\t55.4\t79.3\n", "q10k_tbl_101": "RBS Capital Resolution continued\t\t\nRoll forward of funded assets\t\t\n\tNote\t£bn\nEstimated balance at 30 June 2013\t\t46.8\nDisposals\t(a)\t(6.0)\nRun-off\t(b)\t(4.8)\nImpairments\t(c)\t(5.2)\nOther\t(d)\t(1.9)\nBalance at 31 December 2013\t\t28.9\n", "q10k_tbl_102": "Roll forward of FLB3 RWAe\t\t\n\tNote\t£bn\nEstimated balance at 30 June 2013\t\t136.8\nDisposals\t(a)\t(11.9)\nRun-off\t(b)\t(10.9)\nImpairments\t(c)\t(45.1)\nOther\t(d)\t(3.9)\nBalance at 31 December 2013\t\t65.0\n", "q10k_tbl_103": "RBS Capital Resolution continued\t\t\t\nThe impact of the revised strategy on key metrics of the Group are set out below.\t\t\t\n\tGroup\tRCR\tRest of the Group\n\t£bn\t£bn\t£bn\nFunded assets\t\t\t\nNon-Core\t28.0\t16.2\t11.8\nUlster Bank\t28.0\t2.5\t25.5\nUK Corporate\t105.0\t5.3\t99.7\nInternational Banking\t48.5\t2.2\t46.3\nMarkets\t212.8\t2.7\t210.1\nOther divisions\t317.5-317.5\t\t\n\t739.8\t28.9\t710.9\nRisk elements in lending\t£m\t£m\t£m\nNon-Core\t19.0\t17.2\t1.7\nUlster Bank\t8.5\t3.8\t4.7\nUK Corporate\t6.2\t2.3\t3.9\nInternational Banking\t0.5\t0.5\t0\nMarkets\t0.3\t0.3\t0\nOther divisions\t4.9-4.9\t\t\n\t39.4\t24.2\t15.2\nImpairment provision\t£m\t£m\t£m\nNon-Core\t13.8\t13.0\t0.8\nUlster Bank\t5.4\t2.2\t3.2\nUK Corporate\t2.8\t0.9\t1.9\nInternational Banking\t0.3\t0.2\t0.1\nMarkets\t0.3\t0.3\t0\nOther divisions\t2.6-2.6\t\t\n\t25.2\t16.6\t8.6\n", "q10k_tbl_104": "\tNon-performing (1)\t\t\t\t\tPerforming (1)\t\t\t\t\tTotal\t\t\t\t\n\tGross\tNet\t\t\tCapital\tGross\tNet\tRWAe\t\tCapital\tGross\tNet\t\t\tCapital\n\tTPA\tTPA\tRWAe\tRWA\tdeducts TPA\tTPA\tRWAe\tRWA\tdeducts (2)\tTPA TPA\tRWAe\tRWA\tdeducts\n31 December 2013\t£bn\t£bn\t£bn\t£bn\t£m\t£bn\t£bn\t£bn\t£bn\t£m £bn\t£bn\t£bn\t£bn\t£m\nNon-Core\t18.4\t5.8\t4.7\t0.5\t413\t10.8\t10.4\t21.5\t23.2\t(170)\t29.2\t16.2\t26.2\t23.7\t243\nCore\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nUlster Bank\t3.9\t1.8\t6.3\t0.2\t610\t0.8\t0.7\t1.9\t1.9\t3\t4.7\t2.5\t8.2\t2.1\t613\nUK Corporate\t2.3\t1.6\t3.5-353\t\t\t3.9\t3.7\t8.0\t8.0\t0\t6.2\t5.3\t11.5\t8.0\t353\nInternational Banking\t0.5\t0.4\t1.8-178\t\t\t1.9\t1.8\t4.5\t4.3\t23\t2.4\t2.2\t6.3\t4.3\t201\nMarkets\t0.4\t0.1\t0.9-91\t\t\t2.6\t2.6\t11.9\t8.6\t331\t3.0\t2.7\t12.8\t8.6\t422\nTotal Core\t7.1\t3.9\t12.5\t0.2\t1232\t9.2\t8.8\t26.3\t22.8\t357\t16.3\t12.7\t38.8\t23.0\t1589\nTotal RCR\t25.5\t9.7\t17.2\t0.7\t1645\t20.0\t19.2\t47.8\t46.0\t187\t45.5\t28.9\t65.0\t46.7\t1832\n", "q10k_tbl_105": "30 June 2013\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nNon-Core\t22.3\t11.8\t39.4\t2.2 3716\t17.9\t17.9\t31.6\t38.4\t(666)\t40.2\t29.7\t71.0\t40.6\t3050\nCore\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nUlster Bank\t5.1\t2.8\t12.9\t0.8 1207\t1.4\t1.4\t5.2\t3.8\t149\t6.5\t4.2\t18.1\t4.6\t1356\nUK Corporate\t2.9\t2.5\t7.9-762\t\t4.6\t4.6\t12.3\t9.6\t265\t7.5\t7.1\t19.9\t9.6\t1027\nInternational Banking\t0.9\t0.6\t3.2-323\t\t2.4\t2.4\t4.8\t4.2\t59\t3.3\t3.0\t8.0\t4.2\t382\nMarkets--\t\t\t---\t\t2.8\t2.8\t19.8\t17.1\t270\t2.8\t2.8\t19.8\t17.1\t270\nTotal Core\t8.9\t5.9\t23.7\t0.8 2292\t11.2\t11.2\t42.1\t34.7\t743\t20.1\t17.1\t65.8\t35.5\t3035\nTotal RCR\t31.2\t17.7\t63.1\t3.0 6008\t29.1\t29.1\t73.7\t73.1\t77\t60.3\t46.8\t136.8\t76.1\t6085\n", "q10k_tbl_106": "Consolidated balance sheet at 31 December 2013\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nAssets\t\t\t\nCash and balances at central banks\t82659\t79290\t79269\nNet loans and advances to banks\t27555\t29168\t43870\nReverse repurchase agreements and stock borrowing\t26516\t34783\t39440\nLoans and advances to banks\t54071\t63951\t83310\nNet loans and advances to customers\t390825\t430088\t454112\nReverse repurchase agreements and stock borrowing\t49897\t70047\t61494\nLoans and advances to customers\t440722\t500135\t515606\nDebt securities subject to repurchase agreements\t55554\t91173\t79480\nOther debt securities\t58045\t66265\t129600\nDebt securities\t113599\t157438\t209080\nEquity shares\t8811\t15232\t15183\nSettlement balances\t5591\t5741\t7771\nDerivatives\t288039\t441903\t529618\nIntangible assets\t12368\t13545\t14858\nProperty plant and equipment\t7909\t9784\t11868\nDeferred tax\t3478\t3443\t3878\nPrepayments accrued income and other assets\t7614\t7820\t10976\nAssets of disposal groups\t3017\t14013\t25450\nTotal assets\t1027878\t1312295\t1506867\nLiabilities\t\t\t\nBank deposits\t35329\t57073\t69113\nRepurchase agreements and stock lending\t28650\t44332\t39691\nDeposits by banks\t63979\t101405\t108804\nCustomers deposits\t414396\t433239\t414143\nRepurchase agreements and stock lending\t56484\t88040\t88812\nCustomer accounts\t470880\t521279\t502955\nDebt securities in issue\t67819\t94592\t162621\nSettlement balances\t5313\t5878\t7477\nShort positions\t28022\t27591\t41039\nDerivatives\t285526\t434333\t523983\nAccruals deferred income and other liabilities\t16017\t14801\t23204\nRetirement benefit liabilities\t3210\t3884\t2239\nDeferred tax\t507\t1141\t1945\nInsurance liabilities--\t\t\t6233\nSubordinated liabilities\t24012\t26773\t26319\nLiabilities of disposal groups\t3378\t10170\t23995\nTotal liabilities\t968663\t1241847\t1430814\nNon-controlling interests\t473\t1770\t686\nOwners' equity\t58742\t68678\t75367\nTotal equity\t59215\t70448\t76053\nTotal liabilities and equity\t1027878\t1312295\t1506867\n", "q10k_tbl_107": "Cash flow\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nNet cash flows from operating activities\t(30631)\t(45113)\t3325\nNet cash flows from investing activities\t21183\t27175\t14\nNet cash flows from financing activities\t(2728)\t2017\t(1741)\nEffects of exchange rate changes on cash and cash equivalents\t512\t(3893)\t(1473)\nNet (decrease)/increase in cash and cash equivalents\t(11664)\t(19814)\t125\n", "q10k_tbl_108": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nCapital base\t\t\t\t\t\nTier 1 capital\t50626\t57135\t56990\t60124\t76421\nTier 2 capital\t13305\t12152\t8546\t9897\t15389\n\t63931\t69287\t65536\t70021\t91810\nLess: supervisory deductions\t(272)\t(2487)\t(4828)\t(4732)\t(4565)\nTotal regulatory capital\t63659\t66800\t60708\t65289\t87245\nRisk-weighted assets\t\t\t\t\t\nCredit risk\t\t\t\t\t\n- non-counterparty\t291100\t323200\t344300\t385900\t513200\n- counterparty\t22300\t48000\t61900\t68100\t56500\nMarket risk\t30300\t42600\t64000\t80000\t65000\nOperational risk\t41800\t45800\t37900\t37100\t33900\n\t385500\t459600\t508100\t571100\t668600\nAsset Protection Scheme relief--\t\t\t(69100)\t(105600)\t(127600)\n\t385500\t459600\t439000\t465500\t541000\nRisk asset ratios%\t\t%%\t\t%%\t\nCore Tier 1\t10.9\t10.3\t10.6\t10.7\t11.0\nTier 1\t13.1\t12.4\t13.0\t12.9\t14.1\nTotal\t16.5\t14.5\t13.8\t14.0\t16.1\n", "q10k_tbl_109": "\t2013\t\t\t2012\t\t\t2011\t\n\t\t\tGross of\t\t\tGross of\t\tGross of\n\tBalance\tDisposal\tdisposal Balance\tDisposal\tdisposal\tBalance Disposal\tdisposal\n\tsheet\tgroups (1)\tgroups sheet\tgroups (2)\tgroups\tsheet groups (3)\tgroups\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\nAssets\t\t\t\t\t\t\t\t\nCash and balances at central banks\t82659\t2\t82661\t79290\t18\t79308\t79269\t127 79396\nNet loans and advances to banks\t27555\t22\t27577\t29168\t2112\t31280\t43870\t87 43957\nReverse repos\t26516\t41\t26557\t34783-34783\t\t\t39440-39440\t\nLoans and advances to banks\t54071\t63\t54134\t63951\t2112\t66063\t83310\t87 83397\nNet loans and advances to customers\t390825\t1765\t392590\t430088\t1863\t431951\t454112\t19405 473517\nReverse repos\t49897-49897\t\t\t70047-70047\t\t\t61494-61494\t\nLoans and advances to customers\t440722\t1765\t442487\t500135\t1863\t501998\t515606\t19405 535011\nDebt securities\t113599\t24\t113623\t157438\t7186\t164624\t209080-209080\t\nEquity shares\t8811-8811\t\t\t15232\t5\t15237\t15183\t5 15188\nSettlement balances\t5591-5591\t\t\t5741-5741\t\t\t7771\t14 7785\nDerivatives\t288039\t1\t288040\t441903\t15\t441918\t529618\t439 530057\nIntangible assets\t12368\t30\t12398\t13545\t750\t14295\t14858\t15 14873\nProperty plant and equipment\t7909\t32\t7941\t9784\t223\t10007\t11868\t4749 16617\nDeferred tax\t3478\t1\t3479\t3443-3443\t\t\t3878-3878\t\nOther financial assets--\t\t\t0\t0\t924\t924\t1309-1309\t\nPrepayments accrued income and\t\t\t\t\t\t\t\t\nother assets\t7614\t936\t8550\t7820\t742\t8562\t9667\t456 10123\nAssets of disposal groups\t3017\t(2854)\t163\t14013\t(13838)\t175\t25450\t(25297) 153\nTotal assets\t1027878-1027878\t\t\t1312295-1312295\t\t\t1506867-1506867\t\nLiabilities\t\t\t\t\t\t\t\t\nBank deposits\t35329-35329\t\t\t57073\t1\t57074\t69113\t1 69114\nRepos\t28650-28650\t\t\t44332-44332\t\t\t39691-39691\t\nDeposits by banks\t63979-63979\t\t\t101405\t1\t101406\t108804\t1 108805\nCustomer deposits\t414396\t3273\t417669\t433239\t753\t433992\t414143\t22610 436753\nRepos\t56484-56484\t\t\t88040-88040\t\t\t88812-88812\t\nCustomer accounts\t470880\t3273\t474153\t521279\t753\t522032\t502955\t22610 525565\nDebt securities in issue\t67819-67819\t\t\t94592-94592\t\t\t162621-162621\t\nSettlement balances\t5313-5313\t\t\t5878-5878\t\t\t7477\t8 7485\nShort positions\t28022-28022\t\t\t27591-27591\t\t\t41039-41039\t\nDerivatives\t285526\t1\t285527\t434333\t7\t434340\t523983\t126 524109\nAccruals deferred income and\t\t\t\t\t\t\t\t\nother liabilities\t16017\t101\t16118\t14801\t2679\t17480\t23204\t1233 24437\nRetirement benefit liabilities\t3210\t1\t3211\t3884-3884\t\t\t2239-2239\t\nDeferred tax\t507-507\t\t\t1141-1141\t\t\t1945-1945\t\nInsurance liabilities--\t\t\t0\t0\t6193\t6193\t6233-6233\t\nSubordinated liabilities\t24012-24012\t\t\t26773\t529\t27302\t26319-26319\t\nLiabilities of disposal groups\t3378\t(3376)\t2\t10170\t(10162)\t8\t23995\t(23978) 17\nTotal liabilities\t968663-968663\t\t\t1241847-1241847\t\t\t1430814-1430814\t\nFor the notes to this table refer to the following page.\t\t\t\t\t\t\t\t\n", "q10k_tbl_110": "Analysis of balance sheet pre and post disposal groups continued\t\t\t\t\t\t\t\n\t2013\t\t2012\t\t\t2011\t\n\t\tGross of\t\t\tGross of\t\tGross of\n\tBalance\tDisposal disposal\tBalance Disposal\tdisposal\tBalance Disposal\tdisposal\n\tsheet\tgroups (1) groups\tsheet groups (2)\tgroups\tsheet groups (3)\tgroups\n\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m £m\nSelected financial data\t\t\t\t\t\t\t\nGross loans and advances to\t\t\t\t\t\t\t\ncustomers\t415978\t1774 417752\t451224\t1875\t453099\t473872\t20196 494068\nCustomer loan impairment provisions\t(25153)\t(9) (25162)\t(21136)\t(12)\t(21148)\t(19760)\t(791) (20551)\nNet loans and advances to\t\t\t\t\t\t\t\ncustomers (4)\t390825\t1765 392590\t430088\t1863\t431951\t454112\t19405 473517\nGross loans and advances to banks\t27618\t22 27640\t29282\t2112\t31394\t43993\t87 44080\nBank loan impairment provisions\t(63)-(63)\t\t(114)-(114)\t\t\t(123)-(123)\t\nNet loans and advances to banks (4)\t27555\t22 27577\t29168\t2112\t31280\t43870\t87 43957\nTotal loan impairment provisions\t(25216)\t(9) (25225)\t(21250)\t(12)\t(21262)\t(19883)\t(791) (20674)\nCustomer REIL\t39322-39322\t\t40993\t13\t41006\t40708\t1549 42257\nBank REIL\t70-70\t\t134-134\t\t\t137-137\t\nREIL\t39392-39392\t\t41127\t13\t41140\t40845\t1549 42394\nGross unrealised gains on debt\t\t\t\t\t\t\t\nsecurities\t1541-1541\t\t3946\t230\t4176\t4978-4978\t\nGross unrealised losses on debt\t\t\t\t\t\t\t\nsecurities\t(887)-(887)\t\t(1832)\t(15)\t(1847)\t(3408)-(3408)\t\n", "q10k_tbl_111": "Risk and balance sheet management\t\n170\tRisk governance\n178\tRisk appetite\n187\tCapital management\n204\tLiquidity and funding risk\n222\tCredit risk\n263\tBalance sheet analysis\n313\tMarket risk\n336\tCountry risk\n349\tOther risks\n", "q10k_tbl_112": "Risk governance\t\n171\tGovernance structure\n171\tRisk management\n172\tConduct and Regulatory Affairs\n172\tBusiness model\n173\tRisk events and lessons learned\n174\tTop and emerging risk scenarios\n176\tStress testing\n", "q10k_tbl_113": "Risk appetite\t\n179\tStrategic risk objectives\n180\tRisk appetite measures\n180\t- Divisional risk appetite statements\n180\t- Risk control frameworks and limits\n181\tCulture values and remuneration\n181\t- Objectives for risk culture\n181\t- Risk culture policies\n181\t- Training\n181\t- Challenge mechanisms\n181\t- Risk-based key performance indicators\n182\t- Risk coverage\n", "q10k_tbl_114": "Risk type\tDefinition\tFeatures\tHow the Group manages risk and the focus in 2013\nCapital adequacy risk\tThe risk that the Group has insufficient capital.\tArises from: Inefficient management of capital resources. Character and impact: Characterised typically by credit risk losses. It has the potential to disrupt the business if there is insufficient capital to support business activities. It also has the potential to cause the Group to fail to meet regulatory requirements. Group capital and earnings may be affected impairing the activities of all divisions.\tThe Group's Core Tier 1 ratio on a Basel 2.5 basis was 10.9% and on a fully loaded Basel III (FLB3) basis was 8.6% at 31 December 2013. The Group is targeting a FLB3 Common Equity Tier 1 ratio of c.11% by the end of 2015 and 12% or above by the end of 2016. The timely run-down of RCR and the successful divestment of Citizens are key to the achievement of the Group's capital plans. Refer to the Capital management section on pages 187 to 203 for further information.\nLiquidity and funding risk\tThe risk that the Group is unable to meet its financial liabilities as they fall due.\tArises from: The Group's day-to-day operations. Character and impact: Dependent on company-specific factors such as maturity profile and composition of sources and uses of funding the quality and size of the liquid asset buffer as well as broader market factors such as wholesale market conditions alongside depositor and investor behaviour. It has the potential to cause the Group to fail to meet regulatory liquidity requirements become unable to support normal banking activity or at worst cease to be a going concern. Adverse impact on customer and investor confidence in the Group and the wider financial system is also possible.\tLiquidity and funding metrics continued to strengthen with short-term wholesale funding of £32.4 billion covered more than four times by a liquidity portfolio of £146.1 billion. Liquidity coverage and net stable funding ratios also improved. Refer to the Liquidity and funding risk section on pages 204 to 221 for further information.\n", "q10k_tbl_115": "Risk type\tDefinition\tFeatures\tHow the Group manages risk and the focus in 2013\nCredit risk\tThe risk of financial loss due to the failure of a customer or counterparty to meet its obligation to settle outstanding amounts.\tArises from: Deterioration of the credit quality of customers or counterparties of the Group leaving them unable to meet their contractual obligations. Character and impact: Losses can vary materially across portfolios and may include the risk of loss due to the concentration of credit risk related to a specific product asset class sector or counterparty. It has the potential to affect adversely the Group's financial performance and capital.\tDuring 2013 loan impairment charges were £8.4 billion of which £4.5 billion related to the creation of RCR and the related strategy. Excluding the increased impairments related to RCR loan impairment losses fell by £1.4 billion. Impairment provisions covered risk elements in lending of £39.4 billion by 64% up from 52% a year earlier. Credit risk RWAs fell by 16% to £313.4 billion within which counterparty risk RWAs more than halved to £22.3 billion reflecting risk reduction and core product focus in Markets as well as Non-Core disposals and run-off. Credit risk is managed using a suite of credit approval risk concentration early warning and problem management frameworks as well as associated risk management tools. The focus in 2013 was on the calibration of the credit control framework to align with Group risk appetite targets and the enhancement of existing Basel models. Refer to the Credit risk and Balance sheet analysis sections on pages 222 to 312 for further information.\nMarket risk\tThe risk of loss arising from fluctuations in interest rates credit spreads foreign currency rates equity prices commodity prices and other risk-related factors such as market volatilities that may lead to a reduction in earnings economic value or both.\tArises from: Adverse movements in market prices. Character and impact: Characterised by frequent small losses which are material in aggregate and infrequent large material losses due to stress events. It has the potential to materially affect financial performance in Markets International Banking Non-Core and Group Treasury where the Group has the majority of its exposures. The Group's non-trading activities in retail and commercial businesses can also be affected through interest rate risk and foreign exchange non traded exposures.\tDuring 2013 the Group continued to reduce its risk exposures. Average trading value-at-risk (VaR) decreased significantly from £97 million to £79 million reflecting risk reduction and capital management focus. De-risking within the rates business and improvements in the capture of valuation adjustment risks within the counterparty exposure management desk in Markets helped reduce VaR in the first half of 2013. Ongoing reductions in the asset-backed securities inventory drove down the risk even further in the second half of 2013. Refer to the Market risk section on pages 313 to 335 for further information.\n", "q10k_tbl_116": "Risk type\tDefinition\tFeatures\tHow the Group manages risk and the focus in 2013\nCountry risk\tThe risk of losses occurring as a result of either a country event or unfavourable country operating conditions.\tArises from: Sovereign events economic events political events natural disasters or conflicts. Character and impact: Primarily present in credit portfolios of Markets International Banking Ulster Bank (Ireland) Group Centre (mainly Treasury) US Retail & Commercial and Non-Core. It has the potential to affect parts of the Group's credit portfolio that are directly or indirectly linked to the country in question.\tThe Group Country Risk Committee manages country risk matters including: risk appetite; risk management strategy and framework; risk exposure and policy; sovereign ratings; sovereign loss given default rates; and country Watchlist colours with escalation where needed to the Executive Risk Forum. Regular detailed reviews are carried out on all portfolios to ensure their composition remains in line with the Group's country risk appetite and reflects economic and political developments. A country risk Watchlist process identifies emerging issues and assists in the development of mitigation strategies. In 2013 the scope of this process was widened to include all countries with Group exposure. Balance sheet exposure to eurozone periphery countries continued to fall and was down by 11% to £52.9 billion at the end of 2013 of which 70% related to Ireland primarily reflecting exposures in Ulster Bank. Refer to the Country risk section on pages 336 to 348 for further information.\nConduct risk\tThe risk that the conduct of the Group and its staff towards its customers or within the markets in which it operates leads to reputational damage and/or financial loss.\tArises from: Breaches of regulatory rules or laws resulting from the Group's retail or wholesale conduct; or from failing to meet customers' or regulators' expectations of the Group. Character and impact: Failures in product design training and competence complaint handling and transaction reporting can lead to an increase in complaints compensation claims and regulatory censure. It has the potential to affect earnings (through loss of customer confidence and sales) as well as capital and liquidity (including regulator imposed fines for inappropriate conduct). It also affects the confidence of other key Group stakeholders such as private and institutional shareholders regulators and governments.\tConduct risk is managed through the Group's Conduct Risk Committee under delegated authority from the Executive Risk Forum. The Committee is responsible for governance leadership and risk appetite. The focus in 2013 was on placing conduct risk at the centre of the Group's philosophy and on completing the development of the risk framework. Promoting understanding of conduct issues and ensuring compliance with regulations and rules are priorities for the Group. Refer to the Conduct risk section on pages 350 and 351 for further information.\n", "q10k_tbl_117": "Risk type\tDefinition\tFeatures\tHow the Group manages risk and the focus in 2013\nPension risk\tThe risk to a firm caused by its contractual or other liabilities to or with respect to its pension schemes whether established for its employees or for those of a related company or otherwise. It also means the risk that the firm will make payments or other contributions to or with respect to a pension scheme because of a moral obligation or because the firm considers that it needs to do so for some other reason.\tArises from: Variation in value of pension scheme assets and liabilities owing to changes to life expectancy interest rates inflation credit spreads and equity and property prices. Character and impact: Pension schemes' funding positions can be volatile due to the uncertainty of future investment returns and the projected value of schemes' liabilities. The Group might have to make financial contributions to or with respect to its pension schemes. It has the potential to adversely affect the Group's funding and capital requirements.\tThe Group's Pension Risk Committee considers the Group's view of pension risk mechanisms that could be used for managing pension risk and the financial strategy implications of the pension schemes as well as reviewing fund performance. The Committee reports to the Group Asset and Liability Committee on the material pension schemes that the Group is obliged to support. In 2013 various pension risk stress testing initiatives were undertaken focused both on internally defined scenarios and on scenarios designed to meet integrated PRA stress testing requirements. Refer to the Pension risk section on pages 351 and 352 for further information.\nOperational risk\tThe risk of loss resulting from inadequate or failed processes people systems or from external events.\tArises from: The Group's day-to-day operations and is relevant to every aspect of the Group's business. Character and impact: May be financial in nature (characterised by either frequent small losses or infrequent material losses) or may lead to direct customer and/or reputational impact (for example a major IT systems failure or fraudulent activity). It has the potential to affect the Group's profitability and capital requirements directly as well as stakeholder confidence.\tOperational risk is managed by the Operational Risk Executive Committee. It is responsible for identifying and managing emerging operational risks and for reviewing and monitoring operational risk profile strategies and frameworks ensuring they are in line with risk appetite. In 2013 the focus was on continued implementation and embedding of risk assessments across the Group including the strengthening of links between risk assessments and other elements of the Group operational risk framework. In addition risk assessments were increasingly used to identify single points of failure. Refer to the Operational risk section on pages 353 to 355 for further information.\nRegulatory risk\tThe risk of material loss or liability legal or regulatory sanctions or reputational damage resulting from the failure to comply with (or adequately plan for changes to) relevant official sector policy laws regulations or major industry standards in any location in which the Group operates.\tArises from: The Group's regulatory business or operating environment and in how it responds to these. Character and impact: The crystallisation of regulatory risk can result in adverse impacts on the Group's customers strategy business financial condition or reputation for instance through the failure to provide appropriate protections to customers or from regulatory enforcement or other interventions. It has the potential to adversely impact the Group's customers strategy business financial condition or reputation.\tThe management of regulatory (as well as conduct) risk is overseen by the Conduct and Regulatory Affairs function. The Group's existing Compliance and Regulatory Affairs teams were brought together in the second half of 2013 following the creation of the role of Group Head of Conduct and Regulatory Affairs. The Conduct and Regulatory Affairs function has responsibility for setting Group-wide policy and standards providing advice to the business and ensuring controls are effective for managing regulatory affairs compliance and financial crime risks across all businesses. Other enhancements were also made during 2013 included the creation of a more centralised approach to assurance activities and the introduction of a new ‘Centres of Excellence' model for the management of regulatory developments bringing together divisional and functional resources to manage issues more effectively. Refer to the Regulatory risk section on page 355 and 356 for further information.\n", "q10k_tbl_118": "Risk type\tDefinition\tFeatures\tHow the Group manages risk and the focus in 2013\nReputational risk\tThe risk of brand damage and/or financial loss due to a failure to meet stakeholders' expectations of the Group.\tArises from: Actions taken (or in some cases not taken) by the Group as well as its wider policies and practices. Character and impact: Can result in an inability to build or sustain customer relationships in low staff morale in regulatory censure or in reduced access to funding.\tThe reputational risk framework is aligned with the Group's focus on serving customers well strategic objectives and the risk appetite goal of maintaining stakeholder confidence. In 2013 the environmental social and ethical risk management function was set up to address the reputational risk associated with the clients the Group chooses to do business with. It sets policy and provides guidance to avoid reputational risk relating to business engagements and lending to clients in sensitive industry sectors. Refer to the Reputational risk section on pages 356 and 357 for further information.\nBusiness risk\tThe risk of losses as a result of adverse variance in the Group's revenues and/or costs relative to its business plan and strategy.\tArises from: Internal factors such as volatility in pricing sales volumes and input costs and/or by external factors such as exposure to macroeconomic regulatory and industry risks. Character and impact: Can lead to adverse changes in revenues and/or costs. It has the potential to directly affect the Group's profitability and capital requirements as well as stakeholder confidence.\tThe Group Board has ultimate responsibility for business risk through the achievement of the Group's business plan. The primary responsibility for divisional financial performance rests with the divisional CEO supported by divisional Executive Committee and functions. In 2013 the management and measurement of business risk was enhanced with an increased focus on stress testing. The Group responded to business risk challenges by focusing on the management of net interest margin in order to sustain and grow revenues. In addition it introduced cost management programmes to deliver substantial savings. Refer to the Business risk section on pages 357 and 358 for further information.\nStrategic risk\tThe risk that the Group will make inappropriate strategic choices or that there will be changes in the external environment to which the Group fails to adapt its strategies.\tArises from: the Group's management of its strategy. Character and impact: Varied losses affecting earnings capital liquidity and customer and stakeholder confidence. Can affect all divisions.\tThe Group is focusing on reducing strategic risk following a wide-ranging review to analyse core activities and formulate an appropriate plan including rationalisation where necessary to address the business challenges of the next five years. The successful execution of this strategy is set against a background of increasing regulatory demands and scrutiny as well as a challenging macroeconomic environment. Successful and timely execution of the strategy will be key to the future success of the Group. Refer to the Strategic risk section on pages 358 and 359 for further information.\nPolitical risk\tThe risk to the Group's business and operations of the referendum on Scottish independence.\t\tDuring 2013 the focus on the question of potential Scottish independence from the UK heightened and the Scottish government will be holding a referendum in September 2014. A vote in favour of Scottish independence would be likely to impact the Group's costs and could also impact the fiscal legal and regulatory landscape to which the Group is subject. Were Scotland to become independent it may also affect Scotland's status in the European Union.\n", "q10k_tbl_119": "Capital management\t\n188\tDefinition\n188\t2013 overview\n188\tRegulatory developments\n188\tGovernance\n189\tEconomic capital\n190\tCapital resources\n195\tEstimated leverage ratio\n197\tRisk-weighted assets\n200\tReconciliation between accounting and regulatory consolidation\n201\tBalance sheet to exposure at default bridge\n202\tRWA density\n", "q10k_tbl_120": "Current rules\t2013\t2012\t2011\nCapital\t£bn\t£bn\t£bn\nCore Tier 1\t42.2\t47.3\t46.3\nCore Tier 1 (excluding Asset Protection Scheme (APS) in 2011)\t42.2\t47.3\t49.1\nTier 1\t50.6\t57.1\t57.0\nTotal\t63.7\t66.8\t60.7\nRWAs by risk\t\t\t\nCredit risk\t\t\t\n- non-counterparty\t291.1\t323.2\t344.3\n- counterparty\t22.3\t48.0\t61.9\nMarket risk\t30.3\t42.6\t64.0\nOperational risk\t41.8\t45.8\t37.9\n\t385.5\t459.6\t508.1\nAPS relief--\t\t\t(69.1)\n\t385.5\t459.6\t439.0\nRisk asset ratios%\t\t%%\t\nCore Tier 1\t10.9\t10.3\t10.6\nCore Tier 1 (excluding APS in 2011)\t10.9\t10.3\t9.7\nTier 1\t13.1\t12.4\t13.0\nTotal\t16.5\t14.5\t13.8\nEstimated FLB3 (1)\t2013\t2012\t\nCET1 capital\t£36.8bn\t£37.9bn\t\nRWAs\t£429.1bn\t£494.6bn\t\nCET1 ratio\t8.6%\t7.7%\t\nLeverage ratio\t3.5%\t3.1%\t\n", "q10k_tbl_121": "Capital management* continued\t\t\t\t\t\t\nCapital resources continued\t\t\t\t\t\t\n\t2013\t\t2012\t\t\t2011\n\tCurrent Transitional\tFull\tCurrent\tTransitional\tFull\tCurrent\n\tbasis basis\tbasis\tbasis\tbasis\tbasis\tbasis\n\t(Basel 2.5) (PRA)\t(final CRR)\t(Basel 2.5)\t(draft CRR)\t(draft CRR)\t(Basel 2.5)\n\t£m £m\t£m\t£m\t£m\t£m\t£m\nShareholders' equity (excluding non-controlling interests)\t\t\t\t\t\t\nShareholders' equity\t58742 58742\t58742\t68678\t68678\t68168\t75367\nPreference shares - equity\t(4313) (4313)\t(4313)\t(4313)\t(4313)\t(4313)\t(4313)\nOther equity instruments\t(979) (979)\t(979)\t(979)\t(979)\t(979)\t(979)\n\t53450 53450\t53450\t63386\t63386\t62876\t70075\nNon-controlling interests\t\t\t\t\t\t\nNon-controlling interests\t473--\t\t1770\t1770\t1770\t686\nRegulatory adjustments to non-controlling interests--\t\t0\t(1367)\t(1367)\t(1770)\t(259)\n\t473--\t\t403\t403\t0\t427\nRegulatory adjustments and deductions\t\t\t\t\t\t\nOwn credit\t726 601\t601\t691\t691\t493\t(2634)\nDefined benefit pension fund adjustment\t362 (172)\t(172)\t913\t(144)\t(144)\t0\nNet unrealised AFS losses\t308--\t\t346\t346\t0\t957\nCash flow hedging reserve\t84 84\t84\t(1666)\t(1666)\t(1666)\t(879)\nOther regulatory adjustments\t(103) (55)\t(55)\t(197)--\t\t\t571\nDeferred tax assets-(2260)\t\t(2260)\t0\t(323)\t(3231)\t0\nPrudential valuation adjustments-(781)\t\t(781)\t0\t(310)\t(310)\t0\nQualifying deductions exceeding Additional Tier 1 (AT1) capital--\t\t0\t0\t(8420)\t0\t0\nGoodwill and other intangible assets\t(12368) (12368)\t(12368)\t(13545)-(13956)\t\t\t(14858)\n50% of expected losses less impairment provisions\t(19) (1731)\t(1731)\t(1904)-(6154)\t\t\t(2536)\n50% of securitisation positions\t(748)--\t\t(1107)--\t\t\t(2019)\n50% of APS first loss--\t\t0\t---\t\t\t(2763)\n\t(11758) (16682)\t(16682)\t(16469)\t(9826)\t(24968)\t(24161)\nCore Tier 1 capital\t42165 36768\t36768\t47320\t53963\t37908\t46341\nOther Tier 1 capital\t\t\t\t\t\t\nPreference shares - equity\t4313--\t\t4313--\t\t\t4313\nPreference shares - debt\t911--\t\t1054--\t\t\t1094\nInnovative/hybrid Tier 1 securities\t4207--\t\t4125--\t\t\t4667\nQualifying Tier 1 capital and related share premium subject to\t\t\t\t\t\t\nphase out from AT1 capital-5831\t\t0\t0\t4571\t0\t0\nQualifying Tier 1 capital included in consolidated AT1 capital\t\t\t\t\t\t\nissued by subsidiaries and held by third parties-1749\t\t0\t0\t4042\t0\t0\n\t9431 7580\t0\t9492\t8613\t0\t10074\nTier 1 deductions\t\t\t\t\t\t\n50% of material holdings (1)\t(976)--\t\t(295)--\t\t\t(340)\nTax on expected losses less impairment provisions\t6--\t\t618--\t\t\t915\nOther regulatory adjustments--\t\t0\t0\t(17033)\t0\t0\n\t(970)--\t\t323\t(17033)\t0\t575\nQualifying deductions exceeding AT1 capital--\t\t0\t0\t8420\t0\t0\nTotal Tier 1 capital\t50626 44348\t36768\t57135\t53963\t37908\t56990\n", "q10k_tbl_122": "\t2013\t\t2012\t\t2011\n\tCurrent Transitional\tFull\tCurrent\tTransitional Full\tCurrent\n\tbasis basis\tbasis\tbasis\tbasis basis\tbasis\n\t(Basel 2.5) (PRA)\t(final CRR)\t(Basel 2.5)\t(draft CRR) (draft CRR)\t(Basel 2.5)\n\t£m £m\t£m\t£m\t£m £m\t£m\nQualifying Tier 2 capital\t\t\t\t\t\nUndated subordinated debt\t2109--\t\t2194--\t\t1838\nDated subordinated debt - net of amortisation\t12436--\t\t13420--\t\t14527\nQualifying items and related share premium-4431\t\t3582\t0\t2774 7292\t0\nQualifying own funds instruments issued by\t\t\t\t\t\nsubsidiaries and held by third parties-9374\t\t5151\t0\t12605 5185\t0\nUnrealised gains on AFS equity shares\t114--\t\t63--\t\t108\nCollectively assessed impairment provisions\t395--\t\t399\t399 399\t635\nNon-controlling Tier 2 capital--\t\t0\t---\t\t11\n\t15054 13805\t8733\t16076\t15778 12876\t17119\nTier 2 deductions\t\t\t\t\t\n50% of securitisation positions\t(748)--\t\t(1107)--\t\t(2019)\n50% of standardised expected losses less impairment provisions\t(25)--\t\t(2522)\t(3077) -\t(3451)\n50% of material holdings (1)\t(976)--\t\t(295)--\t\t(340)\n50% of APS first loss--\t\t0\t---\t\t(2763)\n\t(1749)--\t\t(3924)\t(3077) -\t(8573)\nTotal Tier 2 capital\t13305 13805\t8733\t12152\t12701 12876\t8546\nSupervisory deductions\t\t\t\t\t\nUnconsolidated investments\t\t\t\t\t\n- Direct Line Group (1)--\t\t0\t(2081)--\t\t(4354)\n- Other investments\t(36)--\t\t(162)--\t\t(239)\nOther deductions\t(236)--\t\t(244)--\t\t(235)\n\t(272)--\t\t(2487)--\t\t(4828)\nTotal regulatory capital\t63659 58153\t45501\t66800\t66664 50784\t60708\n", "q10k_tbl_123": "The table below analyses the movement in Core Tier 1 Other Tier 1 and Tier 2 capital on a Basel 2.5 basis during the year ended 31 December 2013.\t\t\t\t\n\t\t\tSupervisory\t\n\tCore Tier 1\tOther Tier 1 Tier 2\tdeductions\tTotal\n\t£m\t£m £m\t£m\t£m\nAt 1 January 2013\t47320\t9815 12152\t(2487)\t66800\nAttributable loss net of movements in fair value of own credit\t(8961)--\t\t0\t(8961)\nShare capital and reserve movements in respect of employee share schemes\t200--\t\t0\t200\nOrdinary shares issued\t264--\t\t0\t264\nForeign exchange reserve\t(217)--\t\t0\t(217)\nForeign exchange movements-(93)\t\t(106)-(199)\t\t\nActuarial gains recognised in retirement benefit schemes (net of tax)\t200--\t\t0\t200\nTermination of contingent capital facility\t320--\t\t0\t320\nIncrease in non-controlling interests\t70--\t\t0\t70\nDecrease/(increase) in capital deductions (1)\t2244\t(1293) 2175\t2215\t5341\nDecrease in goodwill and intangibles\t1177--\t\t0\t1177\nDefined benefit pension fund\t(551)--\t\t0\t(551)\nDated subordinated debt issues--\t\t1862-1862\t\t\nDated subordinated debt maturities redemptions and amortisation--\t\t(2666)-(2666)\t\t\nOther movements\t99\t32 (112)-19\t\t\nAt 31 December 2013\t42165\t8461 13305\t(272)\t63659\n", "q10k_tbl_124": "The table below analyses the movement in CET1 and Tier 2 capital on a FLB3 basis during the year ended 31 December 2013.\t\t\n\tCET1 Tier 2\tTotal\n\t£m £m\t£m\nAt 1 January 2013\t37908 12876\t50784\nAttributable loss net of movements in fair value of own credit\t(8887)-(8887)\t\nShare capital and reserve movements in respect of employee share schemes\t200-200\t\nOrdinary shares issued\t264-264\t\nNominal value of B shares\t510-510\t\nForeign exchange reserve\t(217)-(217)\t\nForeign exchange movements-(106)\t\t(106)\nActuarial gains recognised in retirement benefit schemes (net of tax)\t200-200\t\nTermination of contingent capital facility\t320-320\t\nDecrease in goodwill and intangibles\t1588-1588\t\nDefined benefit pension fund\t(28)-(28)\t\nDeferred tax assets\t971-971\t\nExcess of expected loss over impairment provisions\t4423-4423\t\nGrandfathered instruments-(3121)\t\t(3121)\nDated subordinated debt issues-1862\t\t1862\nDated subordinated debt maturities redemptions and amortisation-(2666)\t\t(2666)\nPrudential valuation adjustments (PVA)\t(471)-(471)\t\nOther movements\t(13) (112)\t(125)\nAt 31 December 2013\t36768 8733\t45501\n", "q10k_tbl_125": "\t2013\t\t\t\t2012\t\t\nEstimated leverage ratio\t\tTier 1\t\t\t\tTier 1\t\n\tExposure\tcapital\t\tLeverage Exposure\tcapital\t\tLeverage\n\t£bn\t£bn%\tLeverage\t£bn\t£bn%\tLeverage\t\nCRR basis:\t\t\t\t\t\t\t\nTransitional measure\t1062.1\t44.3\t24x\t4.2\t1205.2\t54.0\t22x 4.5\nFull end point measure\t1062.1\t36.8\t29x\t3.5\t1202.3\t37.9\t32x 3.1\nBasel III basis:\t\t\t\t\t\t\t\nTransitional measure\t1093.5\t44.3\t25x\t4.1\t1225.8\t54.0\t23x 4.4\nFull end point measure\t1093.5\t36.8\t30x\t3.4\t1222.9\t37.9\t32x 3.1\nBCBS basis:\t\t\t\t\t\t\t\nTransitional measure\t1082.0\t44.3\t24x\t4.1\t1239.8\t54.0\t23x 4.4\nFull end point measure\t1082.0\t36.8\t29x\t3.4\t1236.9\t37.9\t33x 3.1\n", "q10k_tbl_126": "\t2013\t\t\t2012\t\t\n\tCRR\tBasel III\tBCBS\tCRR\tBasel III\tBCBS\n\tbasis\tbasis\tbasis basis\tbasis\tbasis\nExposure measure\t£bn\t£bn\t£bn £bn\t£bn\t£bn\nCash and balances at central banks\t82.7\t82.7\t82.7\t79.3\t79.3\t79.3\nDebt securities\t113.6\t113.6\t113.6\t157.4\t157.4\t157.4\nEquity shares\t8.8\t8.8\t8.8\t15.2\t15.2\t15.2\nDerivatives\t288.0\t288.0\t288.0\t441.9\t441.9\t441.9\nLoans and advances to banks and customers\t418.4\t418.4\t418.4\t459.3\t459.3\t459.3\nReverse repos\t76.4\t76.4\t76.4\t104.8\t104.8\t104.8\nGoodwill and intangible assets\t12.4\t12.4\t12.4\t13.5\t13.5\t13.5\nOther assets\t24.6\t24.6\t24.6\t26.9\t26.9\t26.9\nAssets of disposal groups\t3.0\t3.0\t3.0\t14.0\t14.0\t14.0\nTotal assets\t1027.9\t1027.9\t1027.9\t1312.3\t1312.3\t1312.3\nNetting of derivatives (1)\t(233.8)\t(233.8)\t(227.3)\t(369.8)\t(369.8)\t(358.4)\nSFTs (1)\t(41.5)\t(12.0)\t59.8\t(45.9)\t(23.1)\t75.5\nRegulatory deductions and other adjustments (2)\t(4.9)\t(4.9)\t(6.6)\t(14.9)\t(14.9)\t(20.9)\nPotential future exposure on derivatives (3)\t131.3\t130.4\t128.0\t133.1\t130.9\t125.8\nUndrawn commitments (4)\t183.1\t185.9\t100.2\t187.5\t187.5\t102.6\nEnd point leverage exposure measure\t1062.1\t1093.5\t1082.0\t1202.3\t1222.9\t1236.9\nTransitional adjustments to assets deducted from regulatory Tier 1 capital\t\t\t\t2.9\t2.9\t2.9\nTransitional leverage exposure measure\t1062.1\t1093.5\t1082.0\t1205.2\t1225.8\t1239.8\n", "q10k_tbl_127": "\t\t\t\tCredit Credit\t\n\t\t\t\tderivative 5% derivative 10%\t\n\t<1 year\t1-5 years\t>5 years\tadd on factor (1) add on factor (1)\tTotal\n2013\t£bn\t£bn\t£bn\t£bn £bn\t£bn\nInterest rate\t10582\t16212\t8795\t\t35589\nExchange rate\t3261\t814\t480\t\t4555\nEquity\t43\t35\t1\t\t79\nCommodities-1\t\t\t1\t\t2\nCredit risk\t\t\t\t189 64\t253\nTotal\t13886\t17062\t9277\t189 64\t40478\n2012\t\t\t\t\t\nInterest rate\t12515\t12980\t7988\t\t33483\nExchange rate\t3411\t795\t492\t\t4698\nEquity\t51\t52\t4\t\t107\nCommodities\t2-2\t\t\t\t4\nCredit risk\t\t\t\t470 83\t553\nTotal\t15979\t13827\t8486\t470 83\t38845\n", "q10k_tbl_128": "Off-balance sheet items\t\t\t\t\t\t\t\n\tUK\tUK\tInternational\tUS Retail &\tMarkets\t\t\n\tRetail\tCorporate\tBanking (1)\tCommercial\tOther\tTotal\n2013\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nUnconditionally cancellable items (2)\t3.1\t0.5\t0.6\t1.7-0.3\t\t\t6.2\nOther contingents and commitments\t9.6\t36.3\t95.4\t16.8\t8.9\t12.7\t179.7\n\t12.7\t36.8\t96.0\t18.5\t8.9\t13.0\t185.9\n2012\t\t\t\t\t\t\t\nUnconditionally cancellable items (2)\t3.0\t0.5\t0.8\t1.8-0.6\t\t\t6.7\nOther contingents and commitments\t9.3\t33.9\t102.6\t15.6\t12.3\t7.1\t180.8\n\t12.3\t34.4\t103.4\t17.4\t12.3\t7.7\t187.5\n", "q10k_tbl_129": "Risk-weighted assets\t\t\t\nThe table below analyses the movement in credit risk RWAs by key drivers during the year.\t\t\t\n\tCredit risk\t\t\n\tNon-counterparty\tCounterparty\tTotal\n\t£bn\t£bn\t£bn\nAt 1 January 2013\t323.2\t48.0\t371.2\nForeign exchange movement\t(1.7)\t(0.3)\t(2.0)\nBusiness movements\t(27.4)\t(4.9)\t(32.3)\nRisk parameter changes (1)\t(11.0)\t(2.9)\t(13.9)\nMethodology changes (2)\t1.4\t(16.1)\t(14.7)\nModel updates (3)\t15.3\t(1.5)\t13.8\nDisposals\t(8.6)-(8.6)\t\t\nOther changes\t(0.1)-(0.1)\t\t\nAt 31 December 2013\t291.1\t22.3\t313.4\n", "q10k_tbl_130": "The table below analyses movements in market and operational risk RWAs during the year.\t\t\t\t\t\n\tMarket risk\t\t\t\t\n\tMarkets\tOther\tTotal\tOperational risk\tTotal\n\t£bn\t£bn\t£bn\t£bn\t£bn\nAt 1 January 2013\t36.9\t5.7\t42.6\t45.8\t88.4\nBusiness and market movements\t(9.0)\t(1.8)\t(10.8)\t(4.0)\t(14.8)\nModel updates (1)\t(1.5)-(1.5)\t\t\t0\t(1.5)\nAt 31 December 2013\t26.4\t3.9\t30.3\t41.8\t72.1\n", "q10k_tbl_131": "\t\t\t\t\t\tUS\t\t\t\t\t\t\n\tUK Retail\tUK Corporate\tWealth\tIB (1)\tUlster Bank\tR&C (1)\tMarkets\tOther\tCore\tNon-Core\tRFS MI\tTotal\nTotal RWAs\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nAt 1 January 2013\t45.7\t86.3\t12.3\t51.9\t36.1\t56.5\t101.3\t5.8\t395.9\t60.4\t3.3\t459.6\nBusiness and market\t\t\t\t\t\t\t\t\t\t\t\t\nmovements\t(1.8)\t(9.6)\t(0.3)\t(6.0)\t(5.7)\t(0.4)\t(35.1)\t2.7\t(56.2)\t(22.2)\t0.6\t(77.8)\nDisposals--\t\t\t---\t\t\t---\t\t\t0\t(8.6)-(8.6)\t\t\nModel updates-9.4\t\t\t0\t3.1\t0.3-(1.7)\t\t\t1.6\t12.7\t(0.4)-12.3\t\t\nAt 31 December 2013\t43.9\t86.1\t12.0\t49.0\t30.7\t56.1\t64.5\t10.1\t352.4\t29.2\t3.9\t385.5\n", "q10k_tbl_132": "\tEstimated\t\n\tFLB3\tBasel 2.5\n2013\t£bn\t£bn\nUK Retail\t43.9\t43.9\nUK Corporate\t82.9\t86.1\nWealth\t12.0\t12.0\nInternational Banking\t50.3\t49.0\nUlster Bank\t30.1\t30.7\nUS Retail & Commercial\t58.8\t56.1\nRetail & Commercial\t278.0\t277.8\nMarkets\t99.9\t64.5\nCentre\t13.1\t10.1\nCore\t391.0\t352.4\nNon-Core\t34.2\t29.2\nGroup before RFS Holdings minority interest\t425.2\t381.6\nRFS Holdings minority interest\t3.9\t3.9\nGroup\t429.1\t385.5\n", "q10k_tbl_133": "Capital management* continued\t\t\t\t\t\t\nReconciliation between accounting and regulatory consolidation\t\t\t\t\t\t\nThe table below provides a reconciliation between accounting and regulatory consolidation.\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\n\t\tConsolidation\t\t\tConsolidation\t\n\t\tDeconsolidation of banking\t\t\tDeconsolidation of banking\t\n\tAccounting\tof insurance and associates/\tRegulatory\tAccounting\tof insurance and associates/\tRegulatory\n\tbalance sheet\tother entities (1) other entities (2)\tconsolidation\tbalance sheet\tother entities (1) other entities (2)\tconsolidation\n\t£m\t£m £m\t£m\t£m\t£m £m\t£m\nAssets\t\t\t\t\t\t\nCash and balances at central banks\t82659-430\t\t83089\t79290-544\t\t79834\nLoans and advances to banks\t54071\t(66) 113\t54118\t63951\t(30) 48\t63969\nLoans and advances to customers\t440722\t1257 3459\t445438\t500135\t1438 2883\t504456\nDebt securities\t113599\t(7) 1086\t114678\t157438\t(12) 743\t158169\nEquity shares\t8811\t(3)-8808\t\t15232\t(194)-15038\t\nSettlement balances\t5591--\t\t5591\t5741--\t\t5741\nDerivatives\t288039--\t\t288039\t441903--\t\t441903\nIntangible assets\t12368--\t\t12368\t13545--\t\t13545\nProperty plant and equipment\t7909\t(948) 32\t6993\t9784\t(1320) 32\t8496\nDeferred tax\t3478--\t\t3478\t3443--\t\t3443\nPrepayments accrued income and other assets\t7614\t(488) (533)\t6593\t7820\t(77) (320)\t7423\nAssets of disposal groups\t3017--\t\t3017\t14013\t(10544)-3469\t\n\t1027878\t(255) 4587\t1032210\t1312295\t(10739) 3930\t1305486\nLiabilities\t\t\t\t\t\t\nDeposits by banks\t63979-161\t\t64140\t101405-92\t\t101497\nCustomer accounts\t470880\t(5) 3989\t474864\t521279-3486\t\t524765\nDebt securities in issue\t67819--\t\t67819\t94592--\t\t94592\nSettlement balances\t5313--\t\t5313\t5878--\t\t5878\nShort positions\t28022--\t\t28022\t27591--\t\t27591\nDerivatives\t285526\t(208)-285318\t\t434333--\t\t434333\nAccruals deferred income and other liabilities\t16017\t(33) 139\t16123\t14801\t(100) 253\t14954\nRetirement benefit liabilities\t3210--\t\t3210\t3884--\t\t3884\nDeferred tax\t507\t(9)-498\t\t1141\t(5)-1136\t\nSubordinated liabilities\t24012-298\t\t24310\t26773-99\t\t26872\nLiabilities of disposal groups\t3378--\t\t3378\t10170\t(9267)-903\t\n\t968663\t(255) 4587\t972995\t1241847\t(9372) 3930\t1236405\nNon-controlling interests\t473--\t\t473\t1770\t(1367)-403\t\nOwners' equity\t58742--\t\t58742\t68678--\t\t68678\nTotal equity\t59215--\t\t59215\t70448\t(1367)-69081\t\n\t1027878\t(255) 4587\t1032210\t1312295\t(10739) 3930\t1305486\n", "q10k_tbl_134": "\t\tOther regulatory adjustments\t\t\t\t\n\t\t\t\tMethodology\t\t\n\t\tWithin the\t\tdifferences\tTotal Undrawn and\t\n\tBalance Consolidation\tRegulatory scope of\tCredit Netting and\tCapital and reclassi-\tdrawn off-balance\tTotal\n\tsheet differences (1)\tconsolidation market risk (2)\tprovisions (3) collateral (4)\tdeduction (5) fications (6)\tEAD sheet EAD\tEAD\n2013\t£bn £bn\t£bn £bn\t£bn £bn\t£bn £bn\t£bn £bn\t£bn\nCash and balances\t\t\t\t\t\t\nat central banks\t82.7 0.4\t83.1--\t--1.7\t\t84.8-84.8\t\nReverse repurchase\t\t\t\t\t\t\nagreements and stock\t\t\t\t\t\t\nborrowing\t76.4-76.4\t--(51.3)\t\t--25.1\t0\t25.1\nLoans and advances\t418.4 4.7\t423.1-25.2\t(28.4)\t(0.4) (7.9)\t411.6 75.6\t487.2\nDebt securities\t113.6 1.1\t114.7 (56.7)\t0.3-(1.5)\t2.0\t58.8 0.1\t58.9\nEquity shares\t8.8-8.8\t(7.2)\t0.1--\t(0.1)\t1.6-1.6\t\nSettlement balances\t5.6-5.6\t(5.6)--\t\t---\t0\t0\nDerivatives\t288.0-288.0\t0\t1.8 (242.8)-(2.1)\t\t44.9-44.9\t\nIntangible assets\t12.4-12.4\t---\t\t(12.4)--\t0\t0\nProperty plant and\t\t\t\t\t\t\nequipment\t7.9 (0.9)\t7.0--\t--0.7\t\t7.7-7.7\t\nDeferred tax\t3.5-3.5\t---\t\t--3.5\t0\t3.5\nPrepayments accrued\t\t\t\t\t\t\nincome and other assets\t7.6 (1.0)\t6.6--\t0\t(1.1) (5.5)--\t\t0\nAssets of disposal groups\t3.0-3.0\t---\t\t- (3.0)--\t\t0\nTotal assets\t1027.9 4.3\t1032.2 (69.5)\t27.4 (322.5)\t(15.4) (14.2)\t638.0 75.7\t713.7\nContingent obligations (7)\t\t\t\t\t30.5\t30.5\n\t\t\t\t\t106.2\t744.2\n", "q10k_tbl_135": "\tEAD\t\t\t\t\t\t\t\t\tRWAs\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tOff-\t\tOn-\t\tOff-\tRWA density (3)\t\n\tEAD post CRM (1)\t\t\t\tOn-balance\t\t\tOff-\tbalance\t\tbalance\t\tbalance\tEAD\t\n\tNon-CCR\t\t\tDrawn\tsheet\t\tUndrawn\tbalance\tsheet\t\tsheet\tUndrawn\tsheet\tEAD\tdrawn\n\tcredit risk\tCCR (2)\tTotal\tbalance\tEAD\tUndrawn\tEAD\tsheet\tEAD\tRWAs\tRWAs\tRWAs\tRWAs\tpost CRM\tbalance\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m%\t\t%\nSovereign\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nCentral banks\t82015\t12145\t94160\t92727\t94073\t75537\t3-84\t\t\t1469\t1468-1\t\t\t2\t2\nCentral\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ngovernment\t25394\t947\t26341\t25551\t26238\t594\t102\t3\t1\t2448\t2439\t9\t0\t9\t9\nOther sovereign\t9560\t1288\t10848\t11788\t10405\t1759\t401\t47\t42\t1600\t1535\t59\t6\t15\t15\nTotal sovereign\t116969\t14380\t131349\t130066\t130716\t77890\t506\t50\t127\t5517\t5442\t68\t7\t4\t4\nFinancial institutions (FI)\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nBanks\t23744\t16743\t40487\t45878\t33948\t20787\t1147\t5419\t5392\t12611\t10574\t357\t1680\t31\t31\nOther FI\t37679\t19814\t57493\t47640\t49158\t19865\t5056\t3510\t3279\t24331\t20803\t2140\t1388\t42\t42\nSPVs (4)\t20416\t3671\t24087\t22127\t21661\t2584\t2419\t7\t7\t8016\t7209\t805\t2\t33\t33\nTotal FI\t81839\t40228\t122067\t115645\t104767\t43236\t8622\t8936\t8678\t44958\t38586\t3302\t3070\t37\t37\nCorporates\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nProperty\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n- Western Europe\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n- UK\t50675\t2346\t53021\t49644\t47222\t10587\t5057\t870\t742\t27792\t24752\t2651\t389\t52\t52\n- Ireland\t10295\t150\t10445\t10903\t10184\t435\t228\t71\t33\t5796\t5652\t126\t18\t55\t55\n- Other\t7913\t994\t8907\t8705\t7706\t3433\t730\t1032\t471\t5067\t4384\t415\t268\t57\t57\n- US\t7469\t184\t7653\t5797\t5839\t3790\t1468\t466\t346\t6872\t5243\t1318\t311\t90\t90\n- RoW\t3291\t605\t3896\t3199\t3320\t1281\t268\t575\t308\t3070\t2617\t211\t242\t79\t79\nTotal property\t79643\t4279\t83922\t78248\t74271\t19526\t7751\t3014\t1900\t48597\t42648\t4721\t1228\t58\t57\nNatural\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nresources\t28242\t3987\t32229\t21150\t19599\t37292\t8750\t5014\t3880\t18021\t10960\t4892\t2169\t56\t56\nTransport\t32017\t2684\t34701\t28773\t27893\t14837\t4680\t3328\t2128\t24387\t19603\t3289\t1495\t70\t70\nManufacturing\t31426\t998\t32424\t24029\t21256\t31132\t8700\t3785\t2468\t21206\t13902\t5690\t1614\t65\t65\nRetail and leisure\t30473\t1245\t31718\t28429\t25301\t17161\t4923\t1786\t1494\t25893\t20655\t4018\t1220\t82\t82\nServices\t30168\t1305\t31473\t28548\t26291\t9722\t3866\t1553\t1316\t24354\t20345\t2991\t1018\t77\t77\nTMT (5)\t14911\t861\t15772\t15811\t10127\t15933\t4609\t1578\t1036\t10668\t6849\t3118\t701\t68\t68\nTotal corporates\t246880\t15359\t262239\t224988\t204738\t145603\t43729\t20058\t14222\t173126\t134962\t28719\t9445\t66\t66\nPersonal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nMortgages\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n- Western Europe\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n- UK\t118311-118311\t\t\t108690\t108700\t9796\t9570\t41\t41\t17679\t16243\t1430\t6\t15\t15\n- Ireland\t17181-17181\t\t\t16841\t16841\t62\t340--\t\t\t16120\t15800\t320\t0\t94\t94\n- Other\t709-709\t\t\t687\t688\t20\t21--\t\t\t227\t220\t7\t0\t32\t32\n- US\t19838-19838\t\t\t19753\t19782\t9913\t56--\t\t\t9771\t9744\t27\t0\t49\t49\n- RoW\t638-638\t\t\t599\t599\t46\t39--\t\t\t157\t147\t10\t0\t25\t25\nTotal mortgages\t156677-156677\t\t\t146570\t146610\t19837\t10026\t41\t41\t43954\t42154\t1794\t6\t28\t29\nOther personal\t47826\t53\t47879\t30030\t29187\t40829\t18135\t634\t557\t25989\t15843\t9844\t302\t54\t54\nTotal personal\t204503\t53\t204556\t176600\t175797\t60666\t28161\t675\t598\t69943\t57997\t11638\t308\t34\t33\nOther items\t23872\t73\t23945\t\t21945\t\t\t\t2000\t19859\t18200\t\t1659\t83\t83\nTotal\t674063\t70093\t744156\t647299\t637963\t327395\t80568\t29719\t25625\t313403\t255187\t43727\t14489\t42\t40\n", "q10k_tbl_136": "Capital management* continued\t\t\t\t\t\t\t\t\nRWA density continued\t\t\t\t\t\t\t\t\n\tEAD\t\t\t\t\t\t\t\n\t\t\t\t\t\tOff-\t\tEAD post\n\tEAD post CRM (1)\t\t\tDrawn\t\tbalance\t\tCRM RWA\n\tNon-CCR\tCCR (2)\tTotal\tbalance\tUndrawn\tsheet\tRWAs\tdensity (3)\n2012\t£m\t£m\t£m\t£m\t£m\t£m%\t£m\t\nSovereign\t\t\t\t\t\t\t\t\nCentral banks\t78154\t13242\t91396\t88724\t65168-2977\t\t\t3\nCentral government\t37694\t1353\t39047\t37752\t1298\t10\t4190\t11\nOther sovereign\t7151\t2675\t9826\t9679\t4656\t75\t1657\t17\nTotal sovereign\t122999\t17270\t140269\t136155\t71122\t85\t8824\t6\nFinancial institutions (FI)\t\t\t\t\t\t\t\t\nBanks\t26887\t37382\t64269\t61624\t43078\t5558\t21669\t34\nOther FI\t42726\t31488\t74214\t58294\t20359\t3265\t25361\t34\nSPVs (4)\t32531\t7768\t40299\t33944\t6280\t12\t12893\t32\nTotal financial institutions\t102144\t76638\t178782\t153862\t69717\t8835\t59923\t34\nCorporates\t\t\t\t\t\t\t\t\nProperty\t\t\t\t\t\t\t\t\n- Western Europe\t\t\t\t\t\t\t\t\n- UK\t57017\t5460\t62477\t57168\t10953\t867\t40366\t65\n- Ireland\t10943\t220\t11163\t11218\t393\t86\t5624\t50\n- Other\t11117\t1718\t12835\t12024\t3427\t1234\t11729\t91\n- US\t8021\t391\t8412\t6605\t3527\t458\t7633\t91\n- RoW\t5092\t1100\t6192\t5096\t1254\t749\t4438\t72\nTotal property\t92190\t8889\t101079\t92111\t19554\t3394\t69790\t69\nNatural resources\t30651\t4704\t35355\t21690\t38319\t5609\t20349\t58\nTransport\t36145\t5023\t41168\t34557\t14384\t3381\t26492\t64\nManufacturing\t32458\t1690\t34148\t25941\t30483\t4270\t23733\t70\nRetail and leisure\t33569\t2042\t35611\t30387\t16669\t1903\t27511\t77\nServices\t30334\t2033\t32367\t26193\t9967\t1957\t25326\t78\nTMT (5)\t15716\t2518\t18234\t158576\t15561\t1926\t13622\t75\nTotal corporates\t271063\t26899\t297962\t389455\t144937\t22440\t206823\t69\nPersonal\t\t\t\t\t\t\t\t\nMortgages\t\t\t\t\t\t\t\t\n- Western Europe\t\t\t\t\t\t\t\t\n- UK\t117709-117709\t\t\t108581\t9423-18206\t\t\t15\n- Ireland\t17258-17258\t\t\t16939\t45-16929\t\t\t98\n- Other\t763-763\t\t\t742\t20-250\t\t\t33\n- US\t21716-21716\t\t\t21614\t10587-11289\t\t\t52\n- RoW\t761-761\t\t\t724\t37-221\t\t\t29\nTotal mortgages\t158207-158207\t\t\t148600\t20112-46895\t\t\t30\nOther personal\t50291\t22\t50313\t32141\t40435\t146\t28127\t56\nTotal personal\t208498\t22\t208520\t180741\t60547\t146\t75022\t36\nOther items\t26670\t73\t26743\t\t\t\t20496\t77\nTotal\t731374\t120902\t852276\t860213\t346323\t31506\t371088\t44\n", "q10k_tbl_137": "Liquidity and funding risk\t\n205\tDefinition\n205\tOverview\n205\tLiquidity risk\n205\t- Policy framework and governance\n206\t- Regulatory oversight\n206\t- Measurement and monitoring\n207\t- Stress testing and contingency planning\n208\t- Liquidity reserves\n209\t- Liquidity portfolio\n210\t- Net stable funding ratio\n211\tFunding risk\n211\t- Funding sources\n211\t- Analysis\n211\t- Funding sources\n212\t- Wholesale funding\n213\t- Total funding by currency\n213\t- Notes issued\n214\t- Deposits and repos\n214\t- Firm financing\n215\t- Divisional loan:deposit ratios and funding surplus\n215\t- Maturity analysis\n218\t- Encumbrance\n221\t- Summary of assets available as collateral (on and off-balance sheet)\n", "q10k_tbl_138": "Liquidity metrics*\t\t\nThe table below sets out the key liquidity and related metrics monitored by the Group.\t\t\n\t2013\t2012\n\t%%\t\nStressed outflow coverage (1)\t145\t128\nLiquidity coverage ratio (LCR) (2)\t102\t>100\nNet stable funding ratio (NSFR) (2)\t122\t117\n", "q10k_tbl_139": "\tLiquidity value\t\t\t\t\t\t\t\t\n\t2013\t\t\t\t\t2012\t\t2011\t\n\tUK DLG (1)\tCFG (1)\tOther\tTotal\tAverage\tTotal\tAverage\tTotal\tAverage\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCash and balances at central banks\t71121\t824\t2417\t74362\t80933\t70109\t81768\t69932\t74711\nCentral and local government bonds\t\t\t\t\t\t\t\t\t\nAAA rated governments\t3320--\t\t\t3320\t5149\t9885\t18832\t29632\t37947\nAA- to AA+ rated governments and US agencies\t5822\t6369\t96\t12287\t12423\t9621\t9300\t14102\t3074\ngovernments rated below AA--\t\t\t0\t0\t151\t206\t596\t955\t925\nlocal government--\t\t\t0\t0\t148\t979\t2244\t4302\t4779\n\t9142\t6369\t96\t15607\t17871\t20691\t30972\t48991\t46725\nTreasury bills--\t\t\t0\t0\t395\t750\t202\t0\t5937\nPrimary liquidity\t80263\t7193\t2513\t89969\t99199\t91550\t112942\t118923\t127373\nSecondary liquidity (2)\t48718\t4968\t2411\t56097\t56589\t55619\t41978\t36407\t34075\nTotal liquidity portfolio\t128981\t12161\t4924\t146066\t155788\t147169\t154920\t155330\t161448\nCarrying value\t159743\t17520\t6970\t184233\t\t187942\t\t193495\t\n", "q10k_tbl_140": "\tGBP\tUSD\tEUR\tOther\tTotal\nTotal liquidity portfolio\t£m\t£m\t£m\t£m\t£m\n2013\t100849\t33365\t10364\t1488\t146066\n2012\t84570\t35106\t26662\t831\t147169\n2011\t48839\t54145\t50275\t2071\t155330\n", "q10k_tbl_141": "\t2013\t\t2012\t\t2011\t\t\n\t\tASF/RSF (1)\t\tASF/RSF (1)\t\tASF/RSF (1)\tWeighting\n\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn%\t\nEquity\t59\t59\t70\t70\t76\t76\t100\nWholesale funding > 1 year\t76\t76\t109\t109\t124\t124\t100\nWholesale funding < 1 year\t51\t0\t70\t0\t134\t0\t0\nDerivatives\t286\t0\t434\t0\t524\t0\t0\nRepurchase agreements\t85\t0\t132\t0\t129\t0\t0\nDeposits\t\t\t\t\t\t\t\n- retail and SME - more stable\t196\t176\t203\t183\t227\t204\t90\n- retail and SME - less stable\t66\t53\t66\t53\t31\t25\t80\n- other\t156\t78\t164\t82\t179\t89\t50\nOther (2)\t53\t0\t64\t0\t83\t0\t0\nTotal liabilities and equity\t1028\t442\t1312\t497\t1507\t518\t\nCash\t83\t0\t79\t0\t79\t0\t0\nInter-bank lending\t28\t0\t29\t0\t44\t0\t0\nDebt securities > 1 year\t\t\t\t\t\t\t\n- governments AAA to AA-\t47\t2\t64\t3\t77\t4\t5\n- other eligible bonds\t31\t6\t48\t10\t73\t15\t20\n- other bonds\t16\t16\t19\t19\t14\t14\t100\nDebt securities < 1 year\t20\t0\t26\t0\t45\t0\t0\nDerivatives\t288\t0\t442\t0\t530\t0\t0\nReverse repurchase agreements\t76\t0\t105\t0\t101\t0\t0\nCustomer loans and advances > 1 year\t\t\t\t\t\t\t\n- residential mortgages\t135\t88\t145\t94\t145\t94\t65\n- other\t114\t114\t136\t136\t173\t173\t100\nCustomer loans and advances < 1 year\t\t\t\t\t\t\t\n- retail loans\t18\t15\t18\t15\t19\t16\t85\n- other\t126\t63\t131\t66\t137\t69\t50\nOther (3)\t46\t46\t70\t70\t70\t70\t100\nTotal assets\t1028\t350\t1312\t413\t1507\t455\t\nUndrawn commitments\t213\t11\t216\t11\t240\t12\t5\nTotal assets and undrawn commitments\t1241\t361\t1528\t424\t1747\t467\t\nNet stable funding ratio\t\t122%\t\t117%\t\t111%\t\n", "q10k_tbl_142": "\t2013\t\t\n\tLiabilities\tAssets\t\n\t£bn\t£bn\t\nCustomer deposits (1)\t407\t373\tCustomer loans and advances (1)\nBank deposits (short-term only) (1)\t14\t18\tLoan and advances to banks (1)\nTrading liabilities (2)\t67\t93\tTrading assets (2)\nOther liabilities and equity (3)\t100\t90\tOther assets (3)\nRepurchase agreements\t85\t76\tReverse repurchase agreements\nTerm wholesale funding (1)\t69\t90\tPrimary liquidity portfolio\nFunded balance sheet\t742\t740\tFunded balance sheet\nDerivatives\t286\t288\tDerivatives\n\t1028\t1028\t\n", "q10k_tbl_143": "Funding risk continued\t\t\t\t\t\t\nAnalysis continued\t\t\t\t\t\t\nWholesale funding\t\t\t\t\t\t\nThe table below summarises funding metrics.\t\t\t\t\t\t\n\tShort-term wholesale funding (1)\t\tTotal wholesale funding\t\tNet inter-bank funding (2)\t\n\tExcluding\tIncluding\tExcluding\tIncluding\tDeposits Loans (3)\tNet\n\tderivative\tderivative derivative\tderivative\tinter-bank\n\tcollateral\tcollateral collateral\tcollateral\tfunding\n\t£bn\t£bn\t£bn\t£bn\t£bn £bn\t£bn\n2013\t32.4\t51.5\t108.1\t127.2\t16.2 (17.3)\t(1.1)\n2012\t41.6\t70.2\t150.4\t179.0\t28.5 (18.6)\t9.9\n2011\t102.4\t134.2\t226.2\t258.1\t37.3 (24.3)\t13.0\n", "q10k_tbl_144": "The table below shows the Group's principal funding sources excluding repurchase agreements.\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\tLess than\tMore than\t\tLess than\tMore than\t\tLess than\tMore than\t\n\t1 year\t1 year\tTotal\t1 year\t1 year\tTotal\t1 year\t1 year\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nDeposits by banks\t\t\t\t\t\t\t\t\t\nderivative cash collateral\t19086-19086\t\t\t28585-28585\t\t\t31807-31807\t\t\nother deposits\t14553\t1690\t16243\t18938\t9551\t28489\t32847\t4460\t37307\n\t33639\t1690\t35329\t47523\t9551\t57074\t64654\t4460\t69114\nDebt securities in issue\t\t\t\t\t\t\t\t\t\nconduit asset-backed commercial paper (ABCP)--\t\t\t0\t---\t\t\t11164-11164\t\t\nother commercial paper (CP)\t1583-1583\t\t\t2873-2873\t\t\t5310-5310\t\t\ncertificates of deposit (CDs)\t2212\t65\t2277\t2605\t391\t2996\t16086\t281\t16367\nmedium-term notes (MTNs)\t10385\t36779\t47164\t13019\t53584\t66603\t36302\t69407\t105709\ncovered bonds\t1853\t7188\t9041\t1038\t9101\t10139\t0\t9107\t9107\nsecuritisations\t514\t7240\t7754\t761\t11220\t11981\t27\t14937\t14964\n\t16547\t51272\t67819\t20296\t74296\t94592\t68889\t93732\t162621\nSubordinated liabilities\t1350\t22662\t24012\t2351\t24951\t27302\t624\t25695\t26319\nNotes issued\t17897\t73934\t91831\t22647\t99247\t121894\t69513\t119427\t188940\nWholesale funding\t51536\t75624\t127160\t70170\t108798\t178968\t134167\t123887\t258054\nCustomer deposits\t\t\t\t\t\t\t\t\t\nderivative cash collateral\t7082-7082\t\t\t7949-7949\t\t\t9242-9242\t\t\nother deposits\t395520\t15067\t410587\t400012\t26031\t426043\t412931\t14580\t427511\nTotal customer deposits\t402602\t15067\t417669\t407961\t26031\t433992\t422173\t14580\t436753\nTotal funding\t454138\t90691\t544829\t478131\t134829\t612960\t556340\t138467\t694807\n", "q10k_tbl_145": "\tGBP\tUSD\tEUR\tOther\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nDeposits by banks\t7418\t8337\t17004\t2570\t35329\nDebt securities in issue\t\t\t\t\t\ncommercial paper\t4\t897\t682-1583\t\t\ncertificates of deposit\t336\t1411\t476\t54\t2277\nmedium-term notes\t6353\t11068\t23218\t6525\t47164\ncovered bonds\t984-8057\t\t\t0\t9041\nsecuritisations\t1897\t2748\t3109-7754\t\t\nSubordinated liabilities\t1857\t10502\t8984\t2669\t24012\nWholesale funding\t18849\t34963\t61530\t11818\t127160\n% of wholesale funding\t15%\t28%\t48%\t9%\t100%\nCustomer deposits\t272304\t86727\t49116\t9522\t417669\nTotal funding\t291153\t121690\t110646\t21340\t544829\n% of total funding\t54%\t22%\t20%\t4%\t100%\n2012\t\t\t\t\t\nWholesale funding\t22688\t41563\t93700\t21017\t178968\n% of wholesale funding\t13%\t23%\t52%\t12%\t100%\nTotal funding\t297274\t136490\t146203\t32993\t612960\n% of total funding\t49%\t22%\t24%\t5%\t100%\n", "q10k_tbl_146": "\tDebt securities in issue\t\t\t\t\t\t\t\n\tConduit Other CP\tMTNs\tCovered\tSecuritisations\tTotal\tSubordinated\tTotal\tTotal notes\n\tABCP and CDs\tbonds\tliabilities\tnotes in issue\tin issue\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m%\t£m\t\nLess than 1 year-3795\t\t10385\t1853\t514\t16547\t1350\t17897\t19\n1-3 years-61\t\t14920\t3621-18602\t\t\t3944\t22546\t25\n3-5 years--\t\t6497\t867-7364\t\t\t4209\t11573\t13\nMore than 5 years-4\t\t15362\t2700\t7240\t25306\t14509\t39815\t43\n\t- 3860\t47164\t9041\t7754\t67819\t24012\t91831\t100\n2012\t\t\t\t\t\t\t\t\nLess than 1 year-5478\t\t13019\t1038\t761\t20296\t2351\t22647\t18\n1-3 years-385\t\t20267\t2948\t540\t24140\t7252\t31392\t26\n3-5 years-1\t\t13374\t2380-15755\t\t\t756\t16511\t14\nMore than 5 years-5\t\t19943\t3773\t10680\t34401\t16943\t51344\t42\n\t- 5869\t66603\t10139\t11981\t94592\t27302\t121894\t100\n2011\t\t\t\t\t\t\t\t\nLess than 1 year\t11164 21396\t36302-27\t\t\t68889\t624\t69513\t37\n1-3 years-278\t\t26595\t2760\t479\t30112\t3338\t33450\t18\n3-5 years-2\t\t16627\t3673-20302\t\t\t7232\t27534\t14\nMore than 5 years-1\t\t26185\t2674\t14458\t43318\t15125\t58443\t31\n\t11164 21677\t105709\t9107\t14964\t162621\t26319\t188940\t100\n", "q10k_tbl_147": "\t2013\t\t2012\t\t2011\t\n\tDeposits\tRepos\tDeposits\tRepos\tDeposits\tRepos\n\t£m\t£m\t£m\t£m\t£m\t£m\nFinancial institutions\t\t\t\t\t\t\n- central and other banks\t35329\t28650\t57074\t44332\t69114\t39691\n- other financial institutions\t53607\t52945\t64237\t86968\t66009\t86032\nPersonal and corporate deposits\t364062\t3539\t369755\t1072\t370744\t2780\n\t452998\t85134\t491066\t132372\t505867\t128503\n", "q10k_tbl_148": "\tLess than\tMore than\tTotal\n\t1 month\t1 month\n2013\t£bn\t£bn\t£bn\nAA- and above\t69.5\t21.6\t91.1\nOther\t27.6\t7.1\t34.7\nTotal\t97.1\t28.7\t125.8\n", "q10k_tbl_149": "Divisional loan:deposit ratios and funding surplus\t\t\t\t\t\t\t\t\nThe table below shows divisional loans deposits loan:deposit ratios and customer funding surplus.\t\t\t\t\t\t\t\t\n\t2013\t\t\t\t2012\t\t2011\t\n\t\t\tLoan:deposit\tFunding\tLoan:deposit\tFunding\tLoan:deposit\tFunding\n\tLoans (1)\tDeposits (2)\tratio\tsurplus/(gap)\tratio\t(gap)/surplus\tratio\t(gap)/surplus\n\t£m%\t£m\t\t£m%\t\t£m%\t\t£m\nUK Retail\t111046\t114889\t97\t3843\t103\t(3337)\t106\t(6105)\nUK Corporate\t99714\t124742\t80\t25028\t82\t22477\t86\t17641\nWealth\t16644\t37173\t45\t20529\t44\t21945\t44\t21330\nInternational Banking\t35668\t39278\t91\t3610\t86\t6672\t103\t(1366)\nUlster Bank\t26068\t21651\t120\t(4417)\t130\t(6683)\t143\t(9489)\nUS Retail & Commercial\t50279\t55118\t91\t4839\t86\t8178\t85\t8871\nConduits (3)--\t\t\t0\t0\t0\t(2458)\t0\t(10504)\nRetail & Commercial\t339419\t392851\t86\t53432\t88\t46794\t95\t20378\nMarkets\t25231\t21545\t117\t(3686)\t112\t(3243)\t85\t5522\nOther\t5060\t1085\tnm\t(3975)\t64\t1217\tnm\t2464\nCore\t369710\t415481\t89\t45771\t90\t44768\t93\t28364\nNon-Core\t22880\t2188\tnm\t(20692)\tnm\t(41846)\tnm\t(64235)\nDirect Line Group--\t\t\t0\t0\t0\t(881)\t0\t(893)\nGroup\t392590\t417669\t94\t25079\t100\t2041\t108\t(36764)\n", "q10k_tbl_150": "\tLess than\t1-5 years\tMore than\tTotal\n\t1 year\t5 years\n2013\t£bn\t£bn\t£bn\t£bn\nContractual maturity\t381\t12-393\t\t\nBehavioural maturity\t124\t220\t49\t393\n2012\t\t\t\t\nContractual maturity\t380\t20\t1\t401\nBehavioural maturity\t145\t219\t37\t401\n", "q10k_tbl_151": "\tOther than held-for-trading (HFT)\t\t\t\t\t\t\t\t\tHFT\tTotal\n\t\t1-3 months\t3-6 months\t\t\t1-3 years\t3-5 years\t\tTotal\n\tLess than\t6 months\t\tMore than\texcluding\n\t1 month\t-1 year\tSubtotal\t5 years\tHFT\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCash and balances at central banks\t82661--\t\t\t0\t82661--\t\t\t0\t82661-82661\t\t\nBank reverse repos\t652\t110--\t\t\t762--\t\t\t0\t762\t25795\t26557\nCustomer reverse repos--\t\t\t---\t\t\t---\t\t\t0\t49897\t49897\nLoans to banks\t11831\t3171\t1552\t443\t16997\t69\t13\t546\t17625\t9952\t27577\nLoans to customers\t\t\t\t\t\t\t\t\t\t\t\n- Personal\t7776\t8942\t4141\t7108\t27967\t24008\t20107\t100664\t172746\t239\t172985\n- Corporate\t20310\t11741\t13175\t16970\t62196\t43207\t34227\t38746\t178376\t5561\t183937\n- Financial Institutions\t6072\t1435\t2264\t2346\t12117\t5173\t1915\t3093\t22298\t13370\t35668\nDebt securities\t1608\t954\t1787\t2324\t6673\t7425\t8782\t34161\t57041\t56582\t113623\nEquity shares--\t\t\t---\t\t\t--1612\t\t\t1612\t7199\t8811\nSettlement balances\t5591--\t\t\t0\t5591--\t\t\t0\t5591-5591\t\t\nDerivatives\t546--\t\t\t1282\t1828\t2148\t427\t129\t4532\t283508\t288040\nTotal financial assets\t137047\t26353\t22919\t30473\t216792\t82030\t65471\t178951\t543244\t452103\t995347\nBank repos\t3045\t1297--\t\t\t4342\t1181--\t\t\t5523\t23127\t28650\nCustomer repos\t3059\t1125--\t\t\t4184--\t\t\t0\t4184\t52300\t56484\nDeposits by banks\t10676\t1882\t1382\t125\t14065\t82\t109\t1309\t15565\t19764\t35329\nCustomer accounts\t\t\t\t\t\t\t\t\t\t\t\n- Personal\t160261\t10370\t5562\t7262\t183455\t6789\t1449\t20\t191713-191713\t\t\n- Corporate\t158138\t4458\t2369\t1476\t166441\t2690\t728\t681\t170540\t1809\t172349\n- Financial Institutions\t41632\t1265\t636\t498\t44031\t661\t450\t38\t45180\t8427\t53607\nDebt securities in issue\t2383\t3221\t2667\t6844\t15115\t15729\t6388\t22027\t59259\t8560\t67819\nSettlement balances\t5313--\t\t\t0\t5313--\t\t\t0\t5313-5313\t\t\nShort positions--\t\t\t---\t\t\t---\t\t\t0\t28022\t28022\nDerivatives\t1\t130\t271-402\t\t\t933\t1190\t1703\t4228\t281299\t285527\nSubordinated liabilities\t16\t124\t150\t1060\t1350\t3944\t4078\t14640\t24012-24012\t\t\nOther liabilities\t1764--\t\t\t0\t1764\t2\t16\t1\t1783-1783\t\t\nTotal financial liabilities\t386288\t23872\t13037\t17265\t440462\t32011\t14408\t40419\t527300\t423308\t950608\n", "q10k_tbl_152": "\tOther than held-for-trading (HFT)\t\t\t\t\t\t\t\t\tHFT\tTotal\n\t\t1-3 months\t3-6 months\t\t\t1-3 years\t3-5 years\t\tTotal\n\tLess than\t6 months\t\tMore than\texcluding\n\t1 month\t-1 year\tSubtotal\t5 years\tHFT\n2012\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCash and balances at central banks\t79308--\t\t\t0\t79308--\t\t\t0\t79308-79308\t\t\nBank reverse repos\t1302\t87--\t\t\t1389--\t\t\t0\t1389\t33394\t34783\nCustomer reverse repos\t22--\t\t\t0\t22--\t\t\t0\t22\t70025\t70047\nLoans to banks\t14519\t1879\t1005\t206\t17609\t269\t35\t102\t18015\t13265\t31280\nLoans to customers\t\t\t\t\t\t\t\t\t\t\t\n- Personal\t11521\t2297\t1815\t3301\t18934\t10432\t13437\t134124\t176927\t668\t177595\n- Corporate\t22697\t13751\t14464\t21363\t72275\t43658\t36835\t52426\t205194\t7284\t212478\n- Financial Institutions\t6665\t2276\t2990\t2713\t14644\t4413\t2658\t3274\t24989\t16889\t41878\nDebt securities\t2206\t1869\t1279\t1676\t7030\t11847\t17929\t49478\t86284\t78340\t164624\nEquity shares--\t\t\t---\t\t\t--1908\t\t\t1908\t13329\t15237\nSettlement balances\t5741--\t\t\t0\t5741--\t\t\t0\t5741-5741\t\t\nDerivatives-571\t\t\t626\t1252\t2449\t3803\t1879\t508\t8639\t433279\t441918\nOther assets\t72\t28\t32\t106\t238\t31\t38\t617\t924-924\t\t\nTotal financial assets\t144053\t22758\t22211\t30617\t219639\t74453\t72811\t242437\t609340\t666473\t1275813\nBank repos\t3551\t3261--\t\t\t6812\t1150--\t\t\t7962\t36370\t44332\nCustomer repos\t2733\t3083--\t\t\t5816--\t\t\t0\t5816\t82224\t88040\nDeposits by banks\t15046\t1409\t564\t489\t17508\t7127\t336\t1532\t26503\t30571\t57074\nCustomer accounts\t\t\t\t\t\t\t\t\t\t\t\n- Personal\t150310\t6846\t5904\t11466\t174526\t11936\t2267\t93\t188822\t431\t189253\n- Corporate\t162472\t5264\t2196\t3017\t172949\t5935\t1182\t1202\t181268\t2393\t183661\n- Financial Institutions\t46375\t2663\t173\t1163\t50374\t1077\t211\t163\t51825\t9253\t61078\nDebt securities in issue\t2248\t2639\t7996\t6263\t19146\t21220\t12038\t31309\t83713\t10879\t94592\nSettlement balances\t5875--\t\t\t0\t5875\t3--\t\t\t5878-5878\t\t\nShort positions--\t\t\t---\t\t\t---\t\t\t0\t27591\t27591\nDerivatives-310\t\t\t251\t501\t1062\t1790\t1262\t1682\t5796\t428544\t434340\nSubordinated liabilities\t231\t184\t1352\t620\t2387\t7070\t862\t16983\t27302-27302\t\t\nOther liabilities\t1684--\t\t\t0\t1684\t8\t1\t3\t1696-1696\t\t\nTotal financial liabilities\t390525\t25659\t18436\t23519\t458139\t57316\t18159\t52967\t586581\t628256\t1214837\n", "q10k_tbl_153": "\t2013\t2012\t2011\nEncumbrance ratios%\t\t%%\t\nTotal\t17\t18\t19\nExcluding balances relating to derivative transactions\t19\t22\t26\nExcluding balances relating to derivative and securities financing transactions\t11\t13\t19\n", "q10k_tbl_154": "\tEncumbered assets relating to:\t\t\tEncumbered\tUnencumbered\t\t\t\n\tDebt securities in issue\tOther secured liabilities\tTotal\tassets\tReadily realisable (2)\t\t\t\n\tSecuritisations Covered\t\tSecured encumbered\t% of related\tLiquidity\tOther\tCannot be\t\n\tand conduits bonds\tDerivatives Repos\tdeposits assets (1)\tassets\tportfolio\tOther realisable (3)\tencumbered (4)\tTotal\n2013\t£bn £bn\t£bn £bn\t£bn £bn%\t\t£bn\t£bn £bn\t£bn\t£bn\nCash and balances at central\t\t\t\t\t\t\t\t\nbanks--\t\t---\t0\t0\t74.3\t8.4--\t\t82.7\nLoans and advances to banks\t5.8 0.5\t10.3--\t16.6\t60\t0.1\t10.9--\t\t27.6\nLoans and advances to\t\t\t\t\t\t\t\t\ncustomers\t\t\t\t\t\t\t\t\n- UK residential mortgages\t14.6 16.2\t---\t30.8\t28\t60.8\t18.6--\t\t110.2\n- Irish residential mortgages\t9.3 -\t--1.2\t10.5\t70\t0.7\t3.8-0.1\t\t15.1\n- US residential mortgages--\t\t--3.5\t3.5\t18\t9.5\t6.7--\t\t19.7\n- UK credit cards\t3.4 -\t---\t3.4\t52\t0\t3.1--\t\t6.5\n- UK personal loans\t3.4 -\t---\t3.4\t38\t0\t5.5--\t\t8.9\n- other\t13.5 -\t18.1-0.8\t32.4\t14\t4.4\t9.6 175.6\t10.2\t232.2\nReverse repurchase agreements\t\t\t\t\t\t\t\t\nand stock borrowing--\t\t---\t0\t0\t---\t\t76.5\t76.5\nDebt securities\t0.9 -\t5.5 55.6\t2.7 64.7\t57\t17.0\t31.9--\t\t113.6\nEquity shares--\t\t0.5 5.3-5.8\t\t66\t0\t3.0--\t\t8.8\nSettlement balances--\t\t---\t0\t0\t---\t\t5.5\t5.5\nDerivatives--\t\t---\t0\t0\t---\t\t288.0\t288.0\nIntangible assets--\t\t---\t0\t0\t---\t\t12.4\t12.4\nProperty plant and equipment--\t\t--0.4\t0.4\t5\t--7.5\t\t0\t7.9\nDeferred tax--\t\t---\t0\t0\t---\t\t3.5\t3.5\nPrepayments accrued income and other assets--\t\t---\t0\t0\t---\t\t8.6\t8.6\nAssets of disposal groups--\t\t---\t0\t0\t---\t\t0.2\t0.2\n\t50.9 16.7\t34.4 60.9\t8.6 171.5\t\t166.8\t101.5 183.1\t405.0\t1027.9\nOwn asset securitisations\t\t\t\t\t17.4\t\t\t\nTotal liquidity portfolio\t\t\t\t\t184.2\t\t\t\nLiabilities secured\t\t\t\t\t\t\t\t\nIntra-Group - used for secondary\t\t\t\t\t\t\t\t\nliquidity\t(19.1) -\t---\t(19.1)\t\t\t\t\t\nIntra-Group - other\t(18.4) -\t---\t(18.4)\t\t\t\t\t\nThird-party (5)\t(7.8) (9.0)\t(42.7) (85.1)\t(6.0) (150.6)\t\t\t\t\t\n\t(45.3) (9.0)\t(42.7) (85.1)\t(6.0) (188.1)\t\t\t\t\t\n", "q10k_tbl_155": "\tEncumbered assets relating to:\t\t\t\t\t\t\n\tDebt securities in issue\tOther secured liabilities\tTotal\tEncumbered\tUnencumbered\t\t\n\tSecuritisations Covered\t\tSecured encumbered\tassets as a\tLiquidity\t\t\n\tand conduits bonds\tDerivatives Repos\tdeposits assets\t% of related\tportfolio\tOther\tTotal\n2012\t£bn £bn\t£bn £bn\t£bn £bn\tassets\t£bn\t£bn\t£bn\nCash and balances at central banks--\t\t---\t0\t0\t70.2\t9.1\t79.3\nLoans and advances to banks\t5.3 0.5\t12.8--\t18.6\t59\t0\t12.7\t31.3\nLoans and advances to customers\t\t\t\t\t\t\t\n- UK residential mortgages\t16.4 16.0\t---\t32.4\t30\t58.7\t18.0\t109.1\n- Irish residential mortgages\t10.6 -\t--1.8\t12.4\t81\t0\t2.9\t15.3\n- US residential mortgages--\t\t---\t0\t0\t7.6\t14.1\t21.7\n- UK credit cards\t3.0 -\t---\t3.0\t44\t0\t3.8\t6.8\n- UK personal loans\t4.7 -\t---\t4.7\t41\t0\t6.8\t11.5\n- other\t20.7 -\t22.5-0.8\t44.0\t16\t6.5\t217.1\t267.6\nReverse repurchase agreements\t\t\t\t\t\t\t\nand stock borrowing--\t\t---\t0\t0\t0\t104.8\t104.8\nDebt securities\t1.0 -\t8.3 91.2\t15.2 115.7\t70\t22.3\t26.6\t164.6\nEquity shares--\t\t0.7 6.8-7.5\t\t49\t0\t7.7\t15.2\nSettlement balances--\t\t---\t0\t0\t0\t6.7\t6.7\nDerivatives--\t\t---\t0\t0\t0\t441.9\t441.9\nIntangible assets--\t\t---\t0\t0\t0\t14.3\t14.3\nProperty plant and equipment--\t\t---\t0\t0\t0\t10.0\t10.0\nDeferred tax--\t\t---\t0\t0\t0\t3.5\t3.5\nPrepayments accrued income\t\t\t\t\t\t\t\nand other assets--\t\t---\t0\t0\t0\t8.7\t8.7\n\t61.7 16.5\t44.3 98.0\t17.8 238.3\t\t165.3\t908.7\t1312.3\nOwn asset securitisations\t\t\t\t\t22.6\t\t\nTotal liquidity portfolio\t\t\t\t\t187.9\t\t\nLiabilities secured\t\t\t\t\t\t\t\nIntra-Group - used for secondary\t\t\t\t\t\t\t\nliquidity\t(22.6) -\t---\t(22.6)\t\t\t\t\nIntra-Group - other\t(23.9) -\t---\t(23.9)\t\t\t\t\nThird-party (1)\t(12.0) (10.1)\t(60.4) (132.4)\t(15.3) (230.2)\t\t\t\t\n\t(58.5) (10.1)\t(60.4) (132.4)\t(15.3) (276.7)\t\t\t\t\n", "q10k_tbl_156": "\t2013\n\t£bn\nTotal on-balance sheet assets\t1027.9\nLess:\t\n- Reverse repos and derivatives\t(364.5)\n- Other assets not available to be pledged\t(40.5)\nTotal on-balance sheet assets available\t622.9\nAdd:\t\n- Fair value of securities received as collateral from reverse repo and derivative transactions\t124.2\nTotal assets available\t747.1\nLess:\t\n- On-balance sheet assets pledged\t(171.5)\n- Reverse repo and derivative securities collateral that have been rehypothicated\t(111.5)\nAssets available to be pledged\t464.1\n", "q10k_tbl_157": "Credit risk\t\n223\tDefinition\n223\tSources of credit risk\n223\tCredit risk governance\n224\tRisk management\n224\t- Product/asset class concentration framework\n224\t- Credit risk assessment\n225\t- Controls and assurance\n225\tRisk measurement\n226\tCredit risk assets\n227\t- Divisional analysis\n228\t- Sector and geographical regional analyses\n231\t- Asset quality\n232\tRisk mitigation\n233\t- Lending\n236\t- Counterparty credit risk\n237\tEarly problem identification and problem debt management\n237\t- Wholesale\n238\t- Wholesale forbearance\n240\t- Retail\n240\t- Retail forbearance\n245\t- Recoveries\n245\t- Group impairment loss provisioning\n245\t- Provisioning methodology\n246\t- Impact of forbearance on provisioning\n246\t- Write-offs\n247\tKey loan portfolios\n247\t- Commercial real estate\n253\t- Residential mortgages\n256\t- Personal lending\n257\t- Interest only retail loans\n260\t- Ulster Bank Group (Core and Non-Core)\n", "q10k_tbl_158": "Credit risk assets*\t\t\t\t\t\nThe table below provides a bridge between balance sheet captions and the related components of credit risk assets (CRA).\t\t\t\t\t\n\t\t\t\tMethodology\t\n\t\tWithin Not within\tNetting\tdifferences\t\n\tBalance\tthe scope of the scope\tCredit and\tand reclassi-\t\n\tsheet\tmarket risk (1) of CRA (2)\tadjustments (3) collateral (4)\tfications (5)\tCRA\n2013\t£bn\t£bn £bn\t£bn £bn\t£bn\t£bn\nCash and balances at central banks\t82.7-(3.9)\t\t--1.7\t\t80.5\nReverse repurchase agreements and stock borrowing\t76.4-(76.4)\t\t---\t\t0\nLoans and advances\t418.4-(3.0)\t\t25.2 (28.4)\t(7.5)\t404.7\nDebt securities\t113.6\t(56.7) (56.9)--\t\t0\t0\nEquity shares\t8.8\t(7.2) (1.6)--\t\t0\t0\nSettlement balances\t5.6\t(5.6)--\t---\t\t\nDerivatives\t288.0--\t\t1.8 (242.8)\t9.9\t56.9\nOther assets (6)\t34.4-(25.6)\t\t--(7.8)\t\t1.0\nTotal assets\t1027.9\t(69.5) (167.4)\t27.0 (271.2)\t(3.7)\t543.1\nContingent obligations (7)\t\t\t\t\t29.9\n\t\t\t\t\t573.0\n", "q10k_tbl_159": "Divisional analysis\t\t\t\n\t2013\t2012\t2011\n£m\t£m\t£m\nUK Retail\t113223\t114120\t111070\nUK Corporate\t97166\t101148\t105078\nWealth\t19819\t19913\t20079\nInternational Banking\t60438\t64518\t72737\nUlster Bank\t33129\t34232\t37781\nUS Retail & Commercial\t53411\t55036\t56546\nRetail & Commercial\t377186\t388967\t403291\nMarkets\t81021\t106336\t114327\nOther\t71409\t65186\t64517\nCore\t529616\t560489\t582135\nNon-Core\t43340\t65220\t92709\n\t572956\t625709\t674844\n", "q10k_tbl_160": "2013\t\tWestern\t\t\t\t\n\tEurope\tNorth\tAsia\tLatin\t\t\nUK\t(excl. UK)\tAmerica\tPacific\tAmerica\tOther (1) Total\tCore Non-Core\n£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\n", "q10k_tbl_161": "Personal\t127620\t18751\t28616\t1418\t61\t656\t177122\t174798\t2324\nBanks\t2506\t25085\t3133\t9670\t1192\t1771\t43357\t43010\t347\nOther financial institutions\t23080\t10363\t9164\t2633\t1320\t1100\t47660\t43849\t3811\nSovereign (2)\t55041\t8685\t18203\t3394\t37\t687\t86047\t84726\t1321\nProperty\t49639\t18673\t6206\t929\t286\t795\t76528\t53569\t22959\nNatural resources\t6698\t4587\t6189\t3669\t214\t2087\t23444\t21412\t2032\nManufacturing\t8843\t4962\t6208\t2278\t120\t1397\t23808\t23276\t532\nTransport (3)\t10332\t3936\t3959\t1800\t163\t9435\t29625\t24086\t5539\nRetail and leisure\t16338\t3924\t4977\t738\t91\t517\t26585\t24562\t2023\nTelecoms media and technology\t3356\t2591\t3401\t1403\t29\t491\t11271\t9810\t1461\nBusiness services\t16527\t2733\t6053\t757\t1233\t206\t27509\t26518\t991\n\t319980\t104290\t96109\t28689\t4746\t19142\t572956\t529616\t43340\n2012\t\t\t\t\t\t\t\t\t\nPersonal\t129431\t19256\t30664\t1351\t39\t926\t181667\t177880\t3787\nBanks\t5023\t36573\t6421\t8837\t1435\t2711\t61000\t60609\t391\nOther financial institutions\t20997\t13398\t10189\t2924\t4660\t789\t52957\t47425\t5532\nSovereign (2)\t38870\t26002\t14265\t2887\t64\t1195\t83283\t81636\t1647\nProperty\t54831\t23220\t7051\t1149\t2979\t1280\t90510\t56566\t33944\nNatural resources\t6103\t5911\t6758\t4129\t690\t1500\t25091\t21877\t3214\nManufacturing\t9656\t5587\t6246\t2369\t572\t1213\t25643\t24315\t1328\nTransport (3)\t12298\t5394\t4722\t5065\t2278\t4798\t34555\t26973\t7582\nRetail and leisure\t17229\t5200\t4998\t1103\t270\t658\t29458\t26203\t3255\nTelecoms media and technology\t4787\t3572\t3188\t1739\t127\t346\t13759\t10815\t2944\nBusiness services\t17089\t3183\t5999\t581\t780\t154\t27786\t26190\t1596\n\t316314\t147296\t100501\t32134\t13894\t15570\t625709\t560489\t65220\n2011\t\t\t\t\t\t\t\t\t\nPersonal\t126945\t20254\t33087\t1604\t158\t1114\t183162\t176201\t6961\nBanks\t4720\t39213\t3952\t11132\t1738\t3276\t64031\t63470\t561\nOther financial institutions\t16549\t15960\t13319\t3103\t5837\t1159\t55927\t45548\t10379\nSovereign (2)\t21053\t31374\t31391\t3399\t78\t1581\t88876\t87617\t1259\nProperty\t60099\t27281\t8052\t1370\t3471\t1480\t101753\t58323\t43430\nNatural resources\t6552\t7215\t8116\t3805\t1078\t2508\t29274\t25146\t4128\nManufacturing\t9583\t7391\t7098\t2126\t1011\t1381\t28590\t26525\t2065\nTransport (3)\t13789\t7703\t4951\t5433\t2500\t5363\t39739\t27529\t12210\nRetail and leisure\t22775\t6101\t5762\t1488\t1041\t675\t37842\t32766\t5076\nTelecoms media and technology\t5295\t4941\t3202\t1944\t139\t609\t16130\t12180\t3950\nBusiness services\t17851\t3719\t6205\t910\t629\t206\t29520\t26830\t2690\n\t305211\t171152\t125135\t36314\t17680\t19352\t674844\t582135\t92709\n", "q10k_tbl_162": "\tProbability of default range\t2013\t\t\t\t\t2012\t\t\t\t\t2011\t\t\t\n\tCore\tNon-Core\tTotal\tTotal\tCore\tNon-Core\tTotal\tTotal\tCore\tNon-Core\tTotal\tTotal\nAQ band\t£m\t£m%\t£m\t\t£m\t£m%\t£m\t\t£m\t£m%\t£m\t\nAQ1\t0% - 0.034%\t129197\t3319\t132516\t23.1\t\t131772\t7428\t139200\t22.2\t\t195826\t13732\t209558\t31.1\nAQ2\t0.034% - 0.048%\t22942\t1485\t24427\t4.3\t\t25334\t2241\t27575\t4.4\t\t18366\t2915\t21281\t3.2\nAQ3\t0.048% - 0.095%\t41325\t700\t42025\t7.3\t\t43925\t2039\t45964\t7.3\t\t27082\t2883\t29965\t4.4\nAQ4\t0.095% - 0.381%\t114258\t5737\t119995\t20.9\t\t112589\t6438\t119027\t19.0\t\t65491\t9636\t75127\t11.1\nAQ5\t0.381% - 1.076%\t77676\t2585\t80261\t14.0\t\t92130\t7588\t99718\t15.9\t\t92503\t10873\t103376\t15.3\nAQ6\t1.076% - 2.153%\t44476\t3138\t47614\t8.3\t\t45808\t5525\t51333\t8.2\t\t67260\t6636\t73896\t11.0\nAQ7\t2.153% - 6.089%\t31504\t2060\t33564\t5.9\t\t32720\t5544\t38264\t6.1\t\t36567\t8133\t44700\t6.6\nAQ8\t6.089% - 17.222%\t9492\t899\t10391\t1.8\t\t13091\t1156\t14247\t2.4\t\t11921\t3320\t15241\t2.3\nAQ9\t17.222% - 100%\t6741\t771\t7512\t1.3\t\t8849\t2073\t10922\t1.8\t\t12710\t5024\t17734\t2.6\nAQ10\t100%\t21814\t20743\t42557\t7.4\t\t21562\t22845\t44407\t7.1\t\t20017\t25020\t45037\t6.7\nOther (1)\t\t30191\t1903\t32094\t5.7\t\t32709\t2343\t35052\t5.6\t\t34392\t4537\t38929\t5.7\n\t\t529616\t43340\t572956\t100\t\t560489\t65220\t625709\t100\t\t582135\t92709\t674844\t100\n", "q10k_tbl_163": "\t2013\t\t2012\t\t2011\t\n\t\tDivisional credit\t\tDivisional credit\t\tDivisional credit\n\tAQ10\trisk assets\tAQ10\trisk assets\tAQ10\trisk assets\nAQ10 CRA by division%\t£m\t\t£m%\t\t£m%\t\nUK Retail\t4462\t3.9\t4998\t4.4\t5097\t4.6\nUK Corporate\t6279\t6.5\t6310\t6.2\t5484\t5.2\nInternational Banking\t572\t0.9\t612\t0.9\t1736\t2.4\nUlster Bank\t9198\t27.8\t8236\t24.1\t6305\t16.7\nUS Retail & Commercial\t536\t1.0\t633\t1.2\t646\t1.1\nRetail & Commercial\t21047\t5.6\t20789\t5.3\t19268\t4.8\nMarkets\t767\t0.9\t773\t0.7\t749\t0.7\nCore\t21814\t4.1\t21562\t3.8\t20017\t3.4\nNon-Core\t20743\t47.9\t22845\t35.0\t25020\t27.0\n\t42557\t7.4\t44407\t7.1\t45037\t6.7\n", "q10k_tbl_164": "Commercial real estate loan-to-value ratio\tUlster Bank\t\t\tRest of the Group\t\t\tGroup\t\t\n\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\t\t\t\n<= 50%\t124\t23\t147\t7884\t262\t8146\t8008\t285\t8293\n> 50% and <= 70%\t271\t55\t326\t9962\t582\t10544\t10233\t637\t10870\n> 70% and <= 90%\t282\t89\t371\t3699\t1272\t4971\t3981\t1361\t5342\n> 90% and <= 100%\t86\t154\t240\t865\t368\t1233\t951\t522\t1473\n> 100% and <= 110%\t121\t212\t333\t690\t627\t1317\t811\t839\t1650\n> 110% and <= 130%\t238\t366\t604\t333\t1334\t1667\t571\t1700\t2271\n> 130% and <= 150%\t102\t438\t540\t267\t1161\t1428\t369\t1599\t1968\n> 150%\t319\t6738\t7057\t150\t2629\t2779\t469\t9367\t9836\nTotal with LTVs\t1543\t8075\t9618\t23850\t8235\t32085\t25393\t16310\t41703\nMinimal security (1)\t6\t3144\t3150\t54\t13\t67\t60\t3157\t3217\nOther (2)\t144\t1351\t1495\t5230\t933\t6163\t5374\t2284\t7658\nTotal\t1693\t12570\t14263\t29134\t9181\t38315\t30827\t21751\t52578\nTotal portfolio average LTV (3)\t121%\t376%\t335%\t61%\t149%\t84%\t65%\t261%\t142%\n", "q10k_tbl_165": "Commercial real estate loan-to-value ratio\tUlster Bank\t\t\tRest of the Group\t\t\tGroup\t\t\n\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2012 (4)\t\t\t\t\t\t\t\t\t\n<= 50%\t141\t18\t159\t7210\t281\t7491\t7351\t299\t7650\n> 50% and <= 70%\t309\t58\t367\t12161\t996\t13157\t12470\t1054\t13524\n> 70% and <= 90%\t402\t164\t566\t6438\t1042\t7480\t6840\t1206\t8046\n> 90% and <= 100%\t404\t137\t541\t1542\t2145\t3687\t1946\t2282\t4228\n> 100% and <= 110%\t111\t543\t654\t1019\t1449\t2468\t1130\t1992\t3122\n> 110% and <= 130%\t340\t619\t959\t901\t1069\t1970\t1241\t1688\t2929\n> 130% and <= 150%\t353\t774\t1127\t322\t913\t1235\t675\t1687\t2362\n> 150%\t1000\t7350\t8350\t595\t1962\t2557\t1595\t9312\t10907\nTotal with LTVs\t3060\t9663\t12723\t30188\t9857\t40045\t33248\t19520\t52768\nMinimal security (1)\t8\t1615\t1623\t3\t13\t16\t11\t1628\t1639\nOther (2)\t137\t811\t948\t6494\t1191\t7685\t6631\t2002\t8633\nTotal\t3205\t12089\t15294\t36685\t11061\t47746\t39890\t23150\t63040\nTotal portfolio average LTV (3)\t136%\t286%\t250%\t65%\t125%\t80%\t71%\t206%\t122%\n2011\t\t\t\t\t\t\t\t\t\n<= 50%\t272\t32\t304\t7091\t332\t7423\t7363\t364\t7727\n> 50% and <= 70%\t479\t127\t606\t14105\t984\t15089\t14584\t1111\t15695\n> 70% and <= 90%\t808\t332\t1140\t10042\t1191\t11233\t10850\t1523\t12373\n> 90% and <= 100%\t438\t201\t639\t2616\t1679\t4295\t3054\t1880\t4934\n> 100% and <= 110%\t474\t390\t864\t1524\t1928\t3452\t1998\t2318\t4316\n> 110% and <= 130%\t527\t1101\t1628\t698\t1039\t1737\t1225\t2140\t3365\n> 130% and <= 150%\t506\t1066\t1572\t239\t912\t1151\t745\t1978\t2723\n> 150%\t912\t7472\t8384\t433\t2082\t2515\t1345\t9554\t10899\nTotal with LTVs\t4416\t10721\t15137\t36748\t10147\t46895\t41164\t20868\t62032\nMinimal security (1)\t72\t1086\t1158\t---\t\t\t72\t1086\t1158\nOther (2)\t193\t625\t818\t8994\t1844\t10838\t9187\t2469\t11656\nTotal\t4681\t12432\t17113\t45742\t11991\t57733\t50423\t24423\t74846\nTotal portfolio average LTV (3)\t120%\t264%\t222%\t69%\t129%\t82%\t75%\t203%\t116%\n", "q10k_tbl_166": "\t2013\t\t2012\t\t2011\t\nCorporate risk elements in lending and potential problem loans\tLoans\tProvisions\tLoans\tProvisions\tLoans\tProvisions\n(excluding commercial real estate)\t£m\t£m\t£m\t£m\t£m\t£m\nSecured\t7686\t4347\t9936\t4704\t7782\t3369\nUnsecured\t2496\t1685\t1894\t1170\t2712\t1836\n", "q10k_tbl_167": "\tUK Retail\t\t\tUlster Bank\t\t\tRBS Citizens (1)\t\t\tWealth\t\t\n\t\tNon-\t\t\tNon-\t\t\tNon-\t\t\tNon-\t\n\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\nLoan-to-value ratio\t£m\t£m\t£m £m\t£m\t£m\t£m £m\t£m\t\t£m £m\t£m\n2013\t\t\t\t\t\t\t\t\t\t\t\t\n<= 50%\t26392\t313\t26705\t2025\t170\t2195\t4669\t98\t4767\t3400\t16\t3416\n> 50% and <= 70%\t34699\t591\t35290\t1837\t195\t2032\t5529\t89\t5618\t3397\t20\t3417\n> 70% and <= 90%\t28920\t854\t29774\t2326\t288\t2614\t5553\t110\t5663\t1337\t44\t1381\n> 90% and <= 100%\t4057\t315\t4372\t1214\t162\t1376\t1309\t39\t1348\t87\t7\t94\n> 100% and <= 110%\t1790\t182\t1972\t1302\t182\t1484\t752\t22\t774\t87\t15\t102\n> 110% and <= 130%\t552\t100\t652\t2509\t461\t2970\t637\t17\t654\t27\t6\t33\n> 130% and <= 150%\t37\t5\t42\t2202\t549\t2751\t183\t5\t188\t4\t4\t8\n> 150%--\t\t\t0\t2385\t1227\t3612\t102\t4\t106\t24\t6\t30\nTotal with LTVs\t96447\t2360\t98807\t15800\t3234\t19034\t18734\t384\t19118\t8363\t118\t8481\nOther (2)\t511\t20\t531\t---\t\t\t463\t3\t466\t215\t5\t220\nTotal\t96958\t2380\t99338\t15800\t3234\t19034\t19197\t387\t19584\t8578\t123\t8701\nTotal portfolio average LTV (3)\t62%\t75%\t62%\t103%\t130%\t108%\t67%\t69%\t67%\t51%\t77%\t51%\nAverage LTV on new originations during the year (3)\t\t\t67%\t\t\t73%\t\t\t68%\t\t\t52%\n2012\t\t\t\t\t\t\t\t\t\t\t\t\n<= 50%\t22306\t327\t22633\t2182\t274\t2456\t4167\t51\t4218\t3905\t9\t3914\n> 50% and <= 70%\t27408\t457\t27865\t1635\t197\t1832\t4806\t76\t4882\t2790\t12\t2802\n> 70% and <= 90%\t34002\t767\t34769\t2019\t294\t2313\t6461\t114\t6575\t1080\t27\t1107\n> 90% and <= 100%\t7073\t366\t7439\t1119\t156\t1275\t2011\t57\t2068\t93\t7\t100\n> 100% and <= 110%\t3301\t290\t3591\t1239\t174\t1413\t1280\t43\t1323\t69\t13\t82\n> 110% and <= 130%\t1919\t239\t2158\t2412\t397\t2809\t1263\t42\t1305\t49\t7\t56\n> 130% and <= 150%\t83\t26\t109\t2144\t474\t2618\t463\t14\t477\t16\t3\t19\n> 150%--\t\t\t0\t3156\t1290\t4446\t365\t14\t379\t29\t3\t32\nTotal with LTVs\t96092\t2472\t98564\t15906\t3256\t19162\t20816\t411\t21227\t8031\t81\t8112\nOther (2)\t486\t12\t498\t---\t\t\t292\t19\t311\t674-674\t\t\nTotal\t96578\t2484\t99062\t15906\t3256\t19162\t21108\t430\t21538\t8705\t81\t8786\nTotal portfolio average LTV (3)\t66%\t80%\t67%\t108%\t132%\t112%\t75%\t86%\t75%\t51%\t78%\t51%\nAverage LTV on new originations during the year (3)\t\t\t65%\t\t\t74%\t\t\t64%\t\t\t\n", "q10k_tbl_168": "\tUK Retail\t\t\tUlster Bank\t\t\tRBS Citizens (1)\t\t\n\t\tNon-\t\t\tNon-\t\t\tNon-\t\n\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\nLoan-to-value ratio\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2011\t\t\t\t\t\t\t\t\t\n<= 50%\t21537\t285\t21822\t2568\t222\t2790\t4745\t49\t4794\n> 50% and <= 70%\t25598\t390\t25988\t1877\t157\t2034\t4713\t78\t4791\n> 70% and <= 90%\t33738\t671\t34409\t2280\t223\t2503\t6893\t125\t7018\n> 90% and <= 100%\t7365\t343\t7708\t1377\t128\t1505\t2352\t66\t2418\n> 100% and <= 110%\t3817\t276\t4093\t1462\t130\t1592\t1517\t53\t1570\n> 110% and <= 130%\t1514\t199\t1713\t2752\t322\t3074\t1536\t53\t1589\n> 130% and <= 150%\t60\t15\t75\t2607\t369\t2976\t626\t28\t654\n> 150%--\t\t\t0\t2798\t748\t3546\t588\t27\t615\nTotal with LTVs\t93629\t2179\t95808\t17721\t2299\t20020\t22970\t479\t23449\nOther (2)\t567\t13\t580\t---\t\t\t681\t23\t704\nTotal\t94196\t2192\t96388\t17721\t2299\t20020\t23651\t502\t24153\nTotal portfolio average LTV (3)\t67%\t80%\t67%\t104%\t125%\t106%\t76%\t91%\t77%\nAverage LTV on new originations during the year (3)\t\t\t63%\t\t\t74%\t\t\t63%\n", "q10k_tbl_169": "\t2013\t2012\t2011\nMitigation of counterparty credit risk\t£bn\t£bn\t£bn\nReverse repurchase agreements\t76.5\t104.8\t100.9\nSecurities received as collateral (1)\t(76.4)\t(104.7)\t(98.9)\nDerivative assets gross exposure\t288.0\t441.9\t530.1\nCounterparty netting\t(242.8)\t(373.9)\t(441.6)\nCash collateral held\t(24.3)\t(34.1)\t(37.2)\nSecurities received as collateral\t(6.0)\t(5.6)\t(5.3)\n", "q10k_tbl_170": "The following table shows a sector breakdown of CRA of Watch Red customers under GRG management:\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\nWatch Red CRA by current\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\nexposure\t£m\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m\nProperty\t3178\t1841\t5019\t5605\t4377\t9982\t6561\t6011\t12572\nTransport\t1791\t456\t2247\t2238\t478\t2716\t1159\t2252\t3411\nRetail and leisure\t1092\t237\t1329\t1542\t432\t1974\t1528\t669\t2197\nServices\t955\t40\t995\t870\t84\t954\t808\t141\t949\nOther\t2312\t804\t3116\t3087\t1177\t4264\t1952\t916\t2868\nTotal\t9328\t3378\t12706\t13342\t6548\t19890\t12008\t9989\t21997\n", "q10k_tbl_171": "\t2013\t\t\t2012\t\t\t2011\t\t\n\t\t\tProvision\t\t\tProvision\t\t\tProvision\nWholesale forbearance during\tPerforming\tNon-performing\tcoverage (1)\tPerforming\tNon-performing\tCoverage(1)\tPerforming\tNon-performing\tCoverage(1)\nthe year by sector\t£m%\t£m\t\t£m%\t£m\t\t£m%\t£m\t\nProperty\t1759\t4802\t60\t3365\t3899\t16\t2166\t3215\t25\nTransport\t1016\t229\t34\t1174\t130\t23\t771\t670\t10\nRetail and leisure\t455\t390\t37\t732\t113\t34\t331\t433\t10\nServices\t405\t234\t77\t324\t51\t30\t177\t94\t3\nOther\t670\t510\t27\t1575\t550\t40\t773\t731\t47\n\t4305\t6165\t55\t7170\t4743\t20\t4218\t5143\t25\n", "q10k_tbl_172": "Wholesale forbearance during the year by arrangement type (2)\t2013\t2012\t2011\n%%\t\t%\nPayment concessions and loan rescheduling\t78\t49\t92\nOther (3)\t31\t14\t9\nCovenant-only concessions\t16\t30\t0\nForgiveness of all or part of the outstanding debt\t9\t21\t33\nVariation in margin\t2\t6\t12\n", "q10k_tbl_173": "\tNo missed payments\t\t1-3 months in arrears\t\t>3 months in arrears\t\tTotal\t\t\n\tBalance\tProvision\tBalance\tProvision\tBalance\tProvision\tBalance\tProvision\tForborne\n\tbalances (1)\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m%\t£m\t\n2013\t\t\t\t\t\t\t\t\t\nUK Retail (23)\t4596\t17\t426\t23\t424\t51\t5446\t91\t5.5\nUlster Bank (23)\t1362\t166\t631\t76\t789\t323\t2782\t565\t14.6\nRBS Citizens\t287\t26\t33\t3\t53\t0\t373\t29\t1.9\nWealth\t112\t3\t6\t0\t9\t0\t127\t3\t1.5\n\t6357\t212\t1096\t102\t1275\t374\t8728\t688\t6.0\n2012\t\t\t\t\t\t\t\t\t\nUK Retail (23)\t4006\t20\t388\t16\t450\t64\t4844\t100\t4.9\nUlster Bank (23)\t915\t100\t546\t60\t527\t194\t1988\t354\t10.4\nRBS Citizens--\t\t\t179\t25\t160\t10\t339\t35\t1.6\nWealth\t38\t0\t0\t0\t7\t0\t45-0.5\t\t\n\t4959\t120\t1113\t101\t1144\t268\t7216\t489\t4.9\n2011\t\t\t\t\t\t\t\t\t\nUK Retail (23)\t3677\t16\t351\t13\t407\t59\t4435\t88\t4.7\nUlster Bank (23)\t893\t78\t516\t45\t421\t124\t1830\t247\t9.1\nRBS Citizens--\t\t\t91\t10\t89\t10\t180\t20\t0.8\nWealth\t121\t0\t0\t0\t2\t0\t123-1.3\t\t\n\t4691\t94\t958\t68\t919\t193\t6568\t355\t4.4\n", "q10k_tbl_174": "2013\tUK Retail\tUlster Bank\tRBS Citizens Wealth\tTotal (1)\n\t£m\t£m\t£m £m\t£m\nInterest only conversions - temporary and permanent (2)\t1784\t512--\t\t2296\nTerm extensions - capital repayment and interest only\t2478\t325\t35 29\t2867\nPayment concessions (3)\t241\t1567\t246 12\t2066\nCapitalisation of arrears\t907\t494--\t\t1401\nOther\t366-92\t\t86\t544\n\t5776\t2898\t373 127\t9174\n2012\t\t\t\t\nInterest only conversions - temporary and permanent\t1220\t924-6\t\t2150\nTerm extensions - capital repayment and interest only\t2271\t183-27\t\t2481\nPayment concessions (3)\t215\t762\t339 9\t1325\nCapitalisation of arrears\t932\t119--\t\t1051\nOther\t452--\t\t3\t455\n\t5090\t1988\t339 45\t7462\n2011\t\t\t\t\nInterest only conversions - temporary and permanent\t1269\t795-3\t\t2067\nTerm extensions - capital repayment and interest only\t1805\t58-97\t\t1960\nPayment concessions\t198\t876\t180-1254\t\nCapitalisation of arrears\t864\t101--\t\t965\nOther\t517--\t\t23\t540\n\t4653\t1830\t180 123\t6786\n", "q10k_tbl_175": "The table below shows forbearance agreed during the year analysed between performing and non-performing.\t\t\t\t\t\n\tUK Retail\tUlster Bank\tRBS Citizens\tWealth\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nPerforming forbearance\t1332\t2223-41\t\t\t3596\nNon-performing forbearance\t186\t1213\t101\t22\t1522\nTotal forbearance (12)\t1518\t3436\t101\t63\t5118\n2012\t\t\t\t\t\nPerforming forbearance\t1809\t2111\t88\t18\t4026\nNon-performing forbearance\t184\t1009\t71\t2\t1266\nTotal forbearance (12)\t1993\t3120\t159\t20\t5292\n", "q10k_tbl_176": "\t2013\t\t\t2012\t\t\t2011\t\t\nCommercial real estate\tInvestment\tDevelopment\tTotal\tInvestment\tDevelopment\tTotal\tInvestment\tDevelopment\tTotal\nby division (1)\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCore\t\t\t\t\t\t\t\t\t\nUK Corporate\t20547\t3467\t24014\t22504\t4091\t26595\t25101\t5023\t30124\nUlster Bank\t3419\t718\t4137\t3575\t729\t4304\t3882\t881\t4763\nUS Retail & Commercial\t4018-4018\t\t\t3857\t3\t3860\t4235\t70\t4305\nInternational Banking\t762\t182\t944\t849\t315\t1164\t872\t299\t1171\nMarkets\t136\t1\t137\t630\t57\t687\t141\t61\t202\n\t28882\t4368\t33250\t31415\t5195\t36610\t34231\t6334\t40565\nNon-Core\t\t\t\t\t\t\t\t\t\nUK Corporate\t1201\t774\t1975\t2651\t983\t3634\t3957\t2020\t5977\nUlster Bank\t3211\t6915\t10126\t3383\t7607\t10990\t3860\t8490\t12350\nUS Retail & Commercial\t232-232\t\t\t392-392\t\t\t901\t28\t929\nInternational Banking\t6980\t15\t6995\t11260\t154\t11414\t14689\t336\t15025\n\t11624\t7704\t19328\t17686\t8744\t26430\t23407\t10874\t34281\n\t40506\t12072\t52578\t49101\t13939\t63040\t57638\t17208\t74846\n", "q10k_tbl_177": "\tInvestment\t\tDevelopment\t\t\tInvestment\t\tDevelopment\t\t\nCommercial real estate\tCommercial\tResidential\tCommercial\tResidential\tTotal\tCore\tNon-Core\tCore\tNon-Core\tTotal\nby geography (1)\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\t\t\t\t\nUK (excluding NI (2))\t20862\t5007\t678\t3733\t30280\t21297\t4572\t3500\t911\t30280\nIreland (ROI and NI (2))\t4405\t1028\t1919\t5532\t12884\t2763\t2670\t686\t6765\t12884\nWestern Europe (other)\t4068\t183\t22\t17\t4290\t223\t4028\t11\t28\t4290\nUS\t3563\t1076\t0\t8\t4647\t4313\t326\t8-4647\t\t\nRoW (2)\t314\t0\t30\t133\t477\t286\t28\t163-477\t\t\n\t33212\t7294\t2649\t9423\t52578\t28882\t11624\t4368\t7704\t52578\n2012\t\t\t\t\t\t\t\t\t\t\nUK (excluding NI (2))\t25864\t5567\t839\t4777\t37047\t23312\t8119\t4184\t1432\t37047\nIreland (ROI and NI (2))\t4651\t989\t2234\t5712\t13586\t2877\t2763\t665\t7281\t13586\nWestern Europe (other)\t5995\t370\t22\t33\t6420\t403\t5962\t24\t31\t6420\nUS\t4230\t981\t0\t15\t5226\t4629\t582\t15-5226\t\t\nRoW (2)\t454\t0\t65\t242\t761\t194\t260\t307-761\t\t\n\t41194\t7907\t3160\t10779\t63040\t31415\t17686\t5195\t8744\t63040\n2011\t\t\t\t\t\t\t\t\t\t\nUK (excluding NI (2))\t28653\t6359\t1198\t6511\t42721\t25904\t9108\t5118\t2591\t42721\nIreland (ROI and NI (2))\t5146\t1132\t2591\t6317\t15186\t3157\t3121\t793\t8115\t15186\nWestern Europe (other)\t7649\t1048\t9\t52\t8758\t422\t8275\t20\t41\t8758\nUS\t5552\t1279\t59\t46\t6936\t4521\t2310\t71\t34\t6936\nRoW (2)\t785\t35\t141\t284\t1245\t227\t593\t332\t93\t1245\n\t47785\t9853\t3998\t13210\t74846\t34231\t23407\t6334\t10874\t74846\nFor the notes to these tables refer to the following page.\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_178": "\tUK\tIreland\tWestern\t\t\t\n\t(excl NI (2))\t(ROI and NI (2))\tEurope\tUS\tRoW (2)\tTotal\nCommercial real estate by sub-sector (1)\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\nResidential\t8740\t6560\t200\t1085\t133\t16718\nOffice\t4557\t813\t1439\t32\t121\t6962\nRetail\t6979\t1501\t967\t84\t73\t9604\nIndustrial\t3078\t454\t43\t30\t13\t3618\nMixed/other\t6926\t3556\t1641\t3416\t137\t15676\n\t30280\t12884\t4290\t4647\t477\t52578\n2012\t\t\t\t\t\t\nResidential\t10344\t6701\t403\t996\t242\t18686\nOffice\t6112\t1132\t1851\t99\t176\t9370\nRetail\t7529\t1492\t1450\t117\t129\t10717\nIndustrial\t3550\t476\t143\t4\t39\t4212\nMixed/other\t9512\t3785\t2573\t4010\t175\t20055\n\t37047\t13586\t6420\t5226\t761\t63040\n2011\t\t\t\t\t\t\nResidential\t12870\t7449\t1100\t1325\t319\t23063\nOffice\t7155\t1354\t2246\t404\t352\t11511\nRetail\t8709\t1641\t1891\t285\t275\t12801\nIndustrial\t4317\t507\t520\t24\t105\t5473\nMixed/other\t9670\t4235\t3001\t4898\t194\t21998\n\t42721\t15186\t8758\t6936\t1245\t74846\n", "q10k_tbl_179": "Commercial real estate maturity profile of portfolio\tUK Corporate\tUlster Bank\tUS Retail &\tInternational\tMarkets Total\nCommercial\tBanking\n£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\nCore\t\t\t\t\t\n< 1 year (1)\t6816\t2740\t602\t352\t117 10627\n1-2 years\t3436\t360\t669\t203-4668\t\n2-3 years\t4721\t177\t739\t116\t7 5760\n> 3 years\t8621\t860\t2008\t273\t13 11775\nNot classified (2)\t420--\t\t\t--420\t\n\t24014\t4137\t4018\t944\t137 33250\nNon-Core\t\t\t\t\t\n< 1 year (1)\t1432\t8479\t85\t4864-14860\t\n1-2 years\t77\t1276\t31\t507-1891\t\n2-3 years\t36\t185\t33\t220-474\t\n> 3 years\t295\t186\t83\t1404-1968\t\nNot classified (2)\t135--\t\t\t--135\t\n\t1975\t10126\t232\t6995-19328\t\n2012\t\t\t\t\t\nCore\t\t\t\t\t\n< 1 year (1)\t8639\t3000\t797\t216\t59 12711\n1-2 years\t3999\t284\t801\t283\t130 5497\n2-3 years\t3817\t215\t667\t505-5204\t\n> 3 years\t9597\t805\t1595\t160\t498 12655\nNot classified (2)\t543--\t\t\t--543\t\n\t26595\t4304\t3860\t1164\t687 36610\nNon-Core\t\t\t\t\t\n< 1 year (1)\t2071\t9498\t138\t4628-16335\t\n1-2 years\t192\t1240\t79\t3714-5225\t\n2-3 years\t99\t38\t43\t1137-1317\t\n> 3 years\t1058\t214\t132\t1935-3339\t\nNot classified (2)\t214--\t\t\t--214\t\n\t3634\t10990\t392\t11414-26430\t\n2011\t\t\t\t\t\nCore\t\t\t\t\t\n< 1 year (1)\t8268\t3030\t1056\t142-12496\t\n1-2 years\t5187\t391\t638\t218\t60 6494\n2-3 years\t3587\t117\t765\t230\t133 4832\n> 3 years\t10871\t1225\t1846\t581\t9 14532\nNot classified (2)\t2211--\t\t\t--2211\t\n\t30124\t4763\t4305\t1171\t202 40565\nNon-Core\t\t\t\t\t\n< 1 year (1)\t3224\t11089\t293\t7093-21699\t\n1-2 years\t508\t692\t163\t3064-4427\t\n2-3 years\t312\t177\t152\t1738-2379\t\n> 3 years\t1636\t392\t321\t3126-5475\t\nNot classified (2)\t297--\t\t\t4-301\t\n\t5977\t12350\t929\t15025-34281\t\n", "q10k_tbl_180": "Commercial real estate portfolio by\tAQ1-AQ2\tAQ3-AQ4\tAQ5-AQ6\tAQ7-AQ8\tAQ9\tAQ10\tTotal\nasset quality band\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\t\nCore\t441\t7801\t13396\t5199\t665\t5748\t33250\nNon-Core-376\t\t\t1433\t1341\t176\t16002\t19328\n\t441\t8177\t14829\t6540\t841\t21750\t52578\n2012\t\t\t\t\t\t\t\nCore\t767\t6011\t16592\t6575\t1283\t5382\t36610\nNon-Core\t177\t578\t3680\t3200\t1029\t17766\t26430\n\t944\t6589\t20272\t9775\t2312\t23148\t63040\n2011\t\t\t\t\t\t\t\nCore\t1094\t6714\t19054\t6254\t3111\t4338\t40565\nNon-Core\t680\t1287\t5951\t3893\t2385\t20085\t34281\n\t1774\t8001\t25005\t10147\t5496\t24423\t74846\n", "q10k_tbl_181": "\tUlster Bank\t\t\tRest of the Group\t\t\tGroup\t\t\nCommercial real estate\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\nloan-to-value ratio\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\t\t\t\n<= 50%\t124\t23\t147\t7884\t262\t8146\t8008\t285\t8293\n> 50% and <= 70%\t271\t55\t326\t9962\t582\t10544\t10233\t637\t10870\n> 70% and <= 90%\t282\t89\t371\t3699\t1272\t4971\t3981\t1361\t5342\n> 90% and <= 100%\t86\t154\t240\t865\t368\t1233\t951\t522\t1473\n> 100% and <= 110%\t121\t212\t333\t690\t627\t1317\t811\t839\t1650\n> 110% and <= 130%\t238\t366\t604\t333\t1334\t1667\t571\t1700\t2271\n> 130% and <= 150%\t102\t438\t540\t267\t1161\t1428\t369\t1599\t1968\n> 150%\t319\t6738\t7057\t150\t2629\t2779\t469\t9367\t9836\nTotal with LTVs\t1543\t8075\t9618\t23850\t8235\t32085\t25393\t16310\t41703\nMinimal security (1)\t6\t3144\t3150\t54\t13\t67\t60\t3157\t3217\nOther (2)\t144\t1351\t1495\t5230\t933\t6163\t5374\t2284\t7658\nTotal\t1693\t12570\t14263\t29134\t9181\t38315\t30827\t21751\t52578\nTotal portfolio average LTV (3)\t121%\t376%\t335%\t61%\t149%\t84%\t65%\t261%\t142%\n2012 (4)\t\t\t\t\t\t\t\t\t\n<= 50%\t141\t18\t159\t7210\t281\t7491\t7351\t299\t7650\n> 50% and <= 70%\t309\t58\t367\t12161\t996\t13157\t12470\t1054\t13524\n> 70% and <= 90%\t402\t164\t566\t6438\t1042\t7480\t6840\t1206\t8046\n> 90% and <= 100%\t404\t137\t541\t1542\t2145\t3687\t1946\t2282\t4228\n> 100% and <= 110%\t111\t543\t654\t1019\t1449\t2468\t1130\t1992\t3122\n> 110% and <= 130%\t340\t619\t959\t901\t1069\t1970\t1241\t1688\t2929\n> 130% and <= 150%\t353\t774\t1127\t322\t913\t1235\t675\t1687\t2362\n> 150%\t1000\t7350\t8350\t595\t1962\t2557\t1595\t9312\t10907\nTotal with LTVs\t3060\t9663\t12723\t30188\t9857\t40045\t33248\t19520\t52768\nMinimal security (1)\t8\t1615\t1623\t3\t13\t16\t11\t1628\t1639\nOther (2)\t137\t811\t948\t6494\t1191\t7685\t6631\t2002\t8633\nTotal\t3205\t12089\t15294\t36685\t11061\t47746\t39890\t23150\t63040\nTotal portfolio average LTV (3)\t136%\t286%\t250%\t65%\t125%\t80%\t71%\t206%\t122%\n", "q10k_tbl_182": "\tUlster Bank\t\t\tRest of the Group\t\t\tGroup\t\t\nCommercial real estate\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\tPerforming\tNon-performing\tTotal\nloan-to-value ratio\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2011\t\t\t\t\t\t\t\t\t\n<= 50%\t272\t32\t304\t7091\t332\t7423\t7363\t364\t7727\n> 50% and <= 70%\t479\t127\t606\t14105\t984\t15089\t14584\t1111\t15695\n> 70% and <= 90%\t808\t332\t1140\t10042\t1191\t11233\t10850\t1523\t12373\n> 90% and <= 100%\t438\t201\t639\t2616\t1679\t4295\t3054\t1880\t4934\n> 100% and <= 110%\t474\t390\t864\t1524\t1928\t3452\t1998\t2318\t4316\n> 110% and <= 130%\t527\t1101\t1628\t698\t1039\t1737\t1225\t2140\t3365\n> 130% and <= 150%\t506\t1066\t1572\t239\t912\t1151\t745\t1978\t2723\n> 150%\t912\t7472\t8384\t433\t2082\t2515\t1345\t9554\t10899\nTotal with LTVs\t4416\t10721\t15137\t36748\t10147\t46895\t41164\t20868\t62032\nMinimal security (1)\t72\t1086\t1158\t---\t\t\t72\t1086\t1158\nOther (2)\t193\t625\t818\t8994\t1844\t10838\t9187\t2469\t11656\nTotal\t4681\t12432\t17113\t45742\t11991\t57733\t50423\t24423\t74846\nTotal portfolio average LTV (3)\t120%\t264%\t222%\t69%\t129%\t82%\t75%\t203%\t116%\n", "q10k_tbl_183": "\tGroup\t\t\tNon-Core\t\t\n\t2013\t2012\t2011\t2013\t2012\t2011\nLending (gross)\t£52.6bn\t£63.0bn\t£74.8bn\t£19.3bn\t£26.4bn\t£34.3bn\nOf which REIL\t£20.1bn\t£22.1bn\t£22.9bn\t£14.3bn\t£17.1bn\t£18.8bn\nProvisions\t£13.2bn\t£10.1bn\t£9.5bn\t£10.6bn\t£8.3bn\t£8.2bn\nREIL as a % of gross loans to customers\t38.2%\t35.1%\t30.6%\t74.1%\t64.8%\t54.8%\nProvisions as a % of REIL\t66%\t46%\t41%\t74%\t49%\t44%\n", "q10k_tbl_184": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nUK Retail\t99338\t99062\t96388\nUlster Bank\t19034\t19162\t20020\nRBS Citizens\t19584\t21538\t24153\nWealth\t8701\t8786\t8468\n\t146657\t148548\t149029\n", "q10k_tbl_185": "\tUK Retail\t\t\tUlster Bank\t\t\tRBS Citizens (1)\t\t\tWealth\t\t\n\t\tNon-\t\t\tNon-\t\t\tNon-\t\t\tNon-\t\n\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\nLoan-to-value ratio\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\t\t\t\t\t\t\t\n<= 50%\t26392\t313\t26705\t2025\t170\t2195\t4669\t98\t4767\t3400\t16\t3416\n> 50% and <= 70%\t34699\t591\t35290\t1837\t195\t2032\t5529\t89\t5618\t3397\t20\t3417\n> 70% and <= 90%\t28920\t854\t29774\t2326\t288\t2614\t5553\t110\t5663\t1337\t44\t1381\n> 90% and <= 100%\t4057\t315\t4372\t1214\t162\t1376\t1309\t39\t1348\t87\t7\t94\n> 100% and <= 110%\t1790\t182\t1972\t1302\t182\t1484\t752\t22\t774\t87\t15\t102\n> 110% and <= 130%\t552\t100\t652\t2509\t461\t2970\t637\t17\t654\t27\t6\t33\n> 130% and <= 150%\t37\t5\t42\t2202\t549\t2751\t183\t5\t188\t4\t4\t8\n> 150%--\t\t\t0\t2385\t1227\t3612\t102\t4\t106\t24\t6\t30\nTotal with LTVs\t96447\t2360\t98807\t15800\t3234\t19034\t18734\t384\t19118\t8363\t118\t8481\nOther (2)\t511\t20\t531\t---\t\t\t463\t3\t466\t215\t5\t220\nTotal\t96958\t2380\t99338\t15800\t3234\t19034\t19197\t387\t19584\t8578\t123\t8701\nTotal portfolio average LTV (3)\t62%\t75%\t62%\t103%\t130%\t108%\t67%\t69%\t67%\t51%\t77%\t51%\nAverage LTV on new originations during the year (3)\t\t\t67%\t\t\t73%\t\t\t68%\t\t\t52%\n2012\t\t\t\t\t\t\t\t\t\t\t\t\n<= 50%\t22306\t327\t22633\t2182\t274\t2456\t4167\t51\t4218\t3905\t9\t3914\n> 50% and <= 70%\t27408\t457\t27865\t1635\t197\t1832\t4806\t76\t4882\t2790\t12\t2802\n> 70% and <= 90%\t34002\t767\t34769\t2019\t294\t2313\t6461\t114\t6575\t1080\t27\t1107\n> 90% and <= 100%\t7073\t366\t7439\t1119\t156\t1275\t2011\t57\t2068\t93\t7\t100\n> 100% and <= 110%\t3301\t290\t3591\t1239\t174\t1413\t1280\t43\t1323\t69\t13\t82\n> 110% and <= 130%\t1919\t239\t2158\t2412\t397\t2809\t1263\t42\t1305\t49\t7\t56\n> 130% and <= 150%\t83\t26\t109\t2144\t474\t2618\t463\t14\t477\t16\t3\t19\n> 150%--\t\t\t0\t3156\t1290\t4446\t365\t14\t379\t29\t3\t32\nTotal with LTVs\t96092\t2472\t98564\t15906\t3256\t19162\t20816\t411\t21227\t8031\t81\t8112\nOther (2)\t486\t12\t498\t---\t\t\t292\t19\t311\t674-674\t\t\nTotal\t96578\t2484\t99062\t15906\t3256\t19162\t21108\t430\t21538\t8705\t81\t8786\nTotal portfolio average LTV (3)\t66%\t80%\t67%\t108%\t132%\t112%\t75%\t86%\t75%\t51%\t78%\t51%\nAverage LTV on new originations during the year (3)\t\t\t65%\t\t\t74%\t\t\t64%\t\t\t\n", "q10k_tbl_186": "\tUK Retail\t\t\tUlster Bank\t\t\tRBS Citizens (1)\t\t\n\t\tNon-\t\t\tNon-\t\t\tNon-\t\n\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\tPerforming\tperforming\tTotal\nLoan-to-value ratio\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n2011\t\t\t\t\t\t\t\t\t\n<= 50%\t21537\t285\t21822\t2568\t222\t2790\t4745\t49\t4794\n> 50% and <= 70%\t25598\t390\t25988\t1877\t157\t2034\t4713\t78\t4791\n> 70% and <= 90%\t33738\t671\t34409\t2280\t223\t2503\t6893\t125\t7018\n> 90% and <= 100%\t7365\t343\t7708\t1377\t128\t1505\t2352\t66\t2418\n> 100% and <= 110%\t3817\t276\t4093\t1462\t130\t1592\t1517\t53\t1570\n> 110% and <= 130%\t1514\t199\t1713\t2752\t322\t3074\t1536\t53\t1589\n> 130% and <= 150%\t60\t15\t75\t2607\t369\t2976\t626\t28\t654\n> 150%--\t\t\t0\t2798\t748\t3546\t588\t27\t615\nTotal with LTVs\t93629\t2179\t95808\t17721\t2299\t20020\t22970\t479\t23449\nOther (2)\t567\t13\t580\t---\t\t\t681\t23\t704\nTotal\t94196\t2192\t96388\t17721\t2299\t20020\t23651\t502\t24153\nTotal portfolio average LTV (3)\t67%\t80%\t67%\t104%\t125%\t106%\t76%\t91%\t77%\nAverage LTV on new originations during the year (3)\t\t\t63%\t\t\t74%\t\t\t63%\n", "q10k_tbl_187": "\t2013\t\t\t2012\t\t2011\t\n\t\tImpairment\t\tImpairment\t\tImpairment\n\t\tcharge as a %\t\tcharge as a %\t\tcharge as a %\n\tAverage\tof average\tAverage\tof average\tAverage\tof average\n\tloans and\tloans and\tloans and\tloans and\tloans and\tloans and\n\treceivables\treceivables\treceivables\treceivables\treceivables\treceivables\n\t£m%\t\t£m%\t\t£m%\t\nUK Retail cards (1)\t5626\t2.0\t\t5624\t2.3\t5675\t3.0\nUK Retail loans (1)\t5761\t1.6\t\t6513\t2.5\t7755\t2.8\nRBS Citizens cards (2)\t903\t3.9\t\t916\t3.8\t936\t5.1\nRBS Citizens auto loans (2)\t5080\t0.1\t\t5289\t0.1\t4856\t0.2\n", "q10k_tbl_188": "\t2013\t\t2012\t\n\tMortgages\tOther loans\tMortgages\tOther loans (1)\n\t£bn\t£bn\t£bn\t£bn\nVariable rate\t34.8\t1.3\t38.5\t1.5\nFixed rate\t8.0\t0.1\t8.1\t0.1\nInterest only loans\t42.8\t1.4\t46.6\t1.6\nMixed repayment (2)\t8.3\t0\t8.8\t0\nTotal\t51.1\t1.4\t55.4\t1.6\n", "q10k_tbl_189": "\t2014 (1)\t2015-16\t2017-21\t2022-26\t2027-31\t2032-41\tAfter 2041\tTotal\n2013\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nBullet principal repayment (2)\t0.9\t2.1\t6.0\t7.6\t7.9\t7.5\t0.5\t32.5\nConversion to amortising (23)\t1.9\t6.0\t2.2\t0.1-0.1\t\t\t0\t10.3\nTotal\t2.8\t8.1\t8.2\t7.7\t7.9\t7.6\t0.5\t42.8\n\t2013 (4)\t2014-15\t2016-20\t2021-25\t2026-30\t2031-40\tAfter 2040\tTotal\n2012\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nBullet principal repayment (2)\t1.4\t2.9\t6.8\t5.9\t8.1\t9.9\t0.7\t35.7\nConversion to amortising (23)\t0.5\t1.7\t5.8\t2.7\t0.1\t0.1-10.9\t\t\nTotal\t1.9\t4.6\t12.6\t8.6\t8.2\t10.0\t0.7\t46.6\n", "q10k_tbl_190": "\t2013\t\t\t\t2012\t\t\t\n\tBullet principal\tConversion\t\tProportion of\tBullet principal\tConversion\t\tProportion of\n\trepayment\tto amortising\tTotal\tmortgage lending\trepayment\tto amortising\tTotal\tmortgage lending\n\t£bn\t£bn%\t£bn\t\t£bn\t£bn%\t£bn\t\nUK Retail (1)\t25.4-25.4\t\t\t25.6\t28.1-28.1\t\t\t28.4\nUlster Bank\t0.7\t1.4\t2.1\t11.0\t1.4\t1.8\t3.2\t16.7\nRBS Citizens\t0.4\t8.9\t9.3\t47.5\t0.5\t9.0\t9.5\t44.1\nWealth\t6.0-6.0\t\t\t69.0\t5.7\t0.1\t5.8\t66.0\nTotal\t32.5\t10.3\t42.8\t\t35.7\t10.9\t46.6\t\n", "q10k_tbl_191": "\tInterest only\t\t\t\n\tBullet principal\tConversion to\t\t\n\trepayment\tamortising\tOther\tTotal\n2013\t£bn\t£bn\t£bn\t£bn\nArrears status\t\t\t\t\nCurrent\t31.2\t9.6\t97.0\t137.8\n1 to 90 days in arrears\t0.7\t0.4\t2.8\t3.9\n90+ days in arrears\t0.6\t0.3\t4.1\t5.0\nTotal\t32.5\t10.3\t103.9\t146.7\n", "q10k_tbl_192": "2012\t\t\t\t\nArrears status\t\t\t\t\nCurrent\t34.4\t10.0\t94.4\t138.8\n1 to 90 days in arrears\t0.6\t0.4\t3.3\t4.3\n90+ days in arrears\t0.7\t0.5\t4.2\t5.4\nTotal\t35.7\t10.9\t101.9\t148.5\n", "q10k_tbl_193": "\tInterest only\tOther\tTotal\n2013\t£bn\t£bn\t£bn\nCurrent LTV\t\t\t\n<= 50%\t10.8\t26.3\t37.1\n> 50% and <= 70%\t14.6\t31.8\t46.4\n> 70% and <= 90%\t10.8\t28.6\t39.4\n> 90% and <= 100%\t2.6\t4.6\t7.2\n> 100% and <= 110%\t1.5\t2.8\t4.3\n> 110% and <= 130%\t0.9\t3.4\t4.3\n> 130% and <= 150%\t0.5\t2.5\t3.0\n> 150%\t0.7\t3.1\t3.8\nTotal with LTVs\t42.4\t103.1\t145.5\nOther\t0.4\t0.8\t1.2\nTotal\t42.8\t103.9\t146.7\n", "q10k_tbl_194": "2012\t\t\t\nCurrent LTV\t\t\t\n<= 50%\t10.3\t22.9\t33.2\n> 50% and <= 70%\t12.4\t25.0\t37.4\n> 70% and <= 90%\t13.6\t31.2\t44.8\n> 90% and <= 100%\t3.6\t7.3\t10.9\n> 100% and <= 110%\t2.4\t4.0\t6.4\n> 110% and <= 130%\t2.0\t4.3\t6.3\n> 130% and <= 150%\t0.8\t2.4\t3.2\n> 150%\t1.2\t3.7\t4.9\nTotal with LTVs\t46.3\t100.8\t147.1\nOther\t0.3\t1.1\t1.4\nTotal\t46.6\t101.9\t148.5\n", "q10k_tbl_195": "Sector analysis\t\t\t\tCredit metrics\t\t\t\t\n\tREIL\tProvisions\tREIL\tProvisions\tProvisions\t\t\nGross\tas a % of\tas a % of\tas a % of\tImpairment\tAmounts\nloans\tgross loans\tREIL\tgross loans\tcharge (1)\twritten-off\n£m\t£m%\t£m%\t\t\t%\t£m\t£m\n2013\t\t\t\t\t\t\t\t\nCore\t\t\t\t\t\t\t\t\nMortgages\t19034\t3235\t1725\t17.0\t53\t9.1\t235\t34\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3419\t2288\t1151\t66.9\t50\t33.7\t593\t51\n- development\t718\t472\t331\t65.7\t70\t46.1\t153\t4\nOther corporate\t7039\t2277\t1984\t32.3\t87\t28.2\t771\t149\nOther lending\t1236\t194\t187\t15.7\t96\t15.1\t22\t39\n\t31446\t8466\t5378\t26.9\t64\t17.1\t1774\t277\nNon-Core\t\t\t\t\t\t\t\t\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3211\t3006\t2162\t93.6\t72\t67.3\t837\t53\n- development\t6915\t6757\t6158\t97.7\t91\t89.1\t1837\t370\nOther corporate\t1479\t1209\t1069\t81.7\t88\t72.3\t345\t6\n\t11605\t10972\t9389\t94.5\t86\t80.9\t3019\t429\nUlster Bank Group\t\t\t\t\t\t\t\t\nMortgages\t19034\t3235\t1725\t17.0\t53\t9.1\t235\t34\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t6630\t5294\t3313\t79.8\t63\t50.0\t1430\t104\n- development\t7633\t7229\t6489\t94.7\t90\t85.0\t1990\t374\nOther corporate\t8518\t3486\t3053\t40.9\t88\t35.8\t1116\t155\nOther lending\t1236\t194\t187\t15.7\t96\t15.1\t22\t39\n\t43051\t19438\t14767\t45.2\t76\t34.3\t4793\t706\n", "q10k_tbl_196": "Sector analysis\t\t\t\tCredit metrics\t\t\t\t\n\tREIL\tProvisions\tREIL\tProvisions\tProvisions\t\t\nGross\tas a % of\tas a % of\tas a % of\tImpairment\tAmounts\nloans\tgross loans\tREIL\tgross loans\tcharge\twritten-off\n£m\t£m%\t£m%\t\t\t%\t£m\t£m\n2012\t\t\t\t\t\t\t\t\nCore\t\t\t\t\t\t\t\t\nMortgages\t19162\t3147\t1525\t16.4\t48\t8.0\t646\t22\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3575\t1551\t593\t43.4\t38\t16.6\t221\t0\n- development\t729\t369\t197\t50.6\t53\t27.0\t55\t2\nOther corporate\t7772\t2259\t1394\t29.1\t62\t17.9\t389\t15\nOther lending\t1414\t207\t201\t14.6\t97\t14.2\t53\t33\n\t32652\t7533\t3910\t23.1\t52\t12.0\t1364\t72\nNon-Core\t\t\t\t\t\t\t\t\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3383\t2800\t1433\t82.8\t51\t42.4\t288\t15\n- development\t7607\t7286\t4720\t95.8\t65\t62.0\t611\t103\nOther corporate\t1570\t1230\t711\t78.3\t58\t45.3\t77\t23\n\t12560\t11316\t6864\t90.1\t61\t54.6\t976\t141\nUlster Bank Group\t\t\t\t\t\t\t\t\nMortgages\t19162\t3147\t1525\t16.4\t48\t8.0\t646\t22\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t6958\t4351\t2026\t62.5\t47\t29.1\t509\t15\n- development\t8336\t7655\t4917\t91.8\t64\t59.0\t666\t105\nOther corporate\t9342\t3489\t2105\t37.3\t60\t22.5\t466\t38\nOther lending\t1414\t207\t201\t14.6\t97\t14.2\t53\t33\n\t45212\t18849\t10774\t41.7\t57\t23.8\t2340\t213\n2011\t\t\t\t\t\t\t\t\nCore\t\t\t\t\t\t\t\t\nMortgages\t20020\t2184\t945\t10.9\t43\t4.7\t570\t11\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3882\t1014\t413\t26.1\t41\t10.6\t225\t0\n- development\t881\t290\t145\t32.9\t50\t16.5\t99\t16\nOther corporate\t7736\t1834\t1062\t23.7\t58\t13.7\t434\t72\nOther lending\t1533\t201\t184\t13.1\t92\t12.0\t56\t25\n\t34052\t5523\t2749\t16.2\t50\t8.1\t1384\t124\nNon-Core\t\t\t\t\t\t\t\t\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t3860\t2916\t1364\t75.5\t47\t35.3\t609\t1\n- development\t8490\t7536\t4295\t88.8\t57\t50.6\t1551\t32\nOther corporate\t1630\t1159\t642\t71.1\t55\t39.4\t173\t16\n\t13980\t11611\t6301\t83.1\t54\t45.1\t2333\t49\nUlster Bank Group\t\t\t\t\t\t\t\t\nMortgages\t20020\t2184\t945\t10.9\t43\t4.7\t570\t11\nCommercial real estate\t\t\t\t\t\t\t\t\n- investment\t7742\t3930\t1777\t50.8\t45\t23.0\t834\t1\n- development\t9371\t7826\t4440\t83.5\t57\t47.4\t1650\t48\nOther corporate\t9366\t2993\t1704\t32.0\t57\t18.2\t607\t88\nOther lending\t1533\t201\t184\t13.1\t92\t12.0\t56\t25\n\t48032\t17134\t9050\t35.7\t53\t18.8\t3717\t173\n", "q10k_tbl_197": "\tInvestment\t\tDevelopment\t\t\n\tCommercial\tResidential\tCommercial\tResidential\tTotal\nCommercial real estate\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\nROI\t3227\t806\t1402\t3684\t9119\nNI\t1083\t223\t517\t1848\t3671\nUK (excluding NI)\t1232\t50\t56\t112\t1450\nRoW\t9\t0\t8\t6\t23\n\t5551\t1079\t1983\t5650\t14263\n2012\t\t\t\t\t\nROI\t3546\t779\t1603\t3653\t9581\nNI\t1083\t210\t631\t2059\t3983\nUK (excluding NI)\t1239\t86\t82\t290\t1697\nRoW\t14\t1\t8\t10\t33\n\t5882\t1076\t2324\t6012\t15294\n2011\t\t\t\t\t\nROI\t3775\t853\t1911\t4095\t10634\nNI\t1322\t279\t680\t2222\t4503\nUK (excluding NI)\t1371\t111\t95\t336\t1913\nRoW\t27\t4\t0\t32\t63\n\t6495\t1247\t2686\t6685\t17113\n", "q10k_tbl_198": "Residential mortgages\t\t\t\nMortgage lending portfolio analysis by country of location of the underlying security is set out below.\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nROI\t16779\t16873\t17767\nNI\t2255\t2289\t2253\n\t19034\t19162\t20020\n", "q10k_tbl_199": "Balance sheet analysis\t\n264\tFinancial assets\n264\t- Exposure summary\n266\t- Sector and geographic concentration\n274\t- Asset quality\n279\tDebt securities\n288\tEquity shares\n291\tDerivatives\n294\tREIL provisions and AFS reserves\n", "q10k_tbl_200": "\t\t\t\t\tCollateral\t\t\tExposure\n\t\t\t\t\t\t\t\tpost credit\n\tGross\tIFRS\tCarrying\tBalance sheet\t\tReal estate and other\tCredit\tmitigation and\n\texposure\toffset (1)\tvalue (2)\toffset (3)\tCash (4) Securities (5)\tresidential (6)\tcommercial (6) Enhancement (7)\tenhancement\n2013\t£bn\t£bn\t£bn\t£bn\t£bn £bn\t£bn\t£bn £bn\t£bn\nCash and balances at central banks\t82.7-82.7\t\t\t---\t\t---\t\t82.7\nReverse repos\t117.2\t(40.7)\t76.5\t(11.4)-(65.0)\t\t---\t\t0.1\nLending\t423.6\t(3.4)\t420.2\t(32.3)\t(1.6) (2.7)\t(145.4)\t(60.0) (3.9)\t174.3\nDebt securities\t113.6-113.6\t\t\t---\t\t--(1.3)\t\t112.3\nEquity shares\t8.8-8.8\t\t\t---\t\t---\t\t8.8\nDerivatives\t553.7\t(265.7)\t288.0\t(242.8)\t(24.3) (6.0)--\t\t(7.3)\t7.6\nSettlement balances\t8.2\t(2.7)\t5.5\t(0.3)--\t\t---\t\t5.2\nTotal\t1307.8\t(312.5)\t995.3\t(286.8)\t(25.9) (73.7)\t(145.4)\t(60.0) (12.5)\t391.0\nShort positions\t(28.0)-(28.0)\t\t\t---\t\t---\t\t(28.0)\nNet of short positions\t1279.8\t(312.5)\t967.3\t(286.8)\t(25.9) (73.7)\t(145.4)\t(60.0) (12.5)\t363.0\n", "q10k_tbl_201": "\tGross\tIFRS\tCarrying\tBalance sheet\tExposure\n\texposure\toffset (1)\tvalue\toffset (2)\tpost offset\n2012\t£bn\t£bn\t£bn\t£bn\t£bn\nCash and balances at central banks\t79.3-79.3\t\t\t0\t79.3\nReverse repos\t143.2\t(38.4)\t104.8\t(17.4)\t87.4\nLending\t464.7\t(1.5)\t463.2\t(34.9)\t428.3\nDebt securities\t164.6-164.6\t\t\t0\t164.6\nEquity shares\t15.2-15.2\t\t\t0\t15.2\nDerivatives (3)\t815.4\t(373.5)\t441.9\t(408.0)\t33.9\nSettlement balances\t8.1\t(2.4)\t5.7\t(1.8)\t3.9\nOther financial assets\t1.1-1.1\t\t\t0\t1.1\nTotal\t1691.6\t(415.8)\t1275.8\t(462.1)\t813.7\nShort positions\t(27.6)-(27.6)\t\t\t0\t(27.6)\nNet of short positions\t1664.0\t(415.8)\t1248.2\t(462.1)\t786.1\n2011\t\t\t\t\t\nCash and balances at central banks\t79.4-79.4\t\t\t0\t79.4\nReverse repos\t138.4\t(37.6)\t100.8\t(15.2)\t85.6\nLending\t517.5-517.5\t\t\t(41.2)\t476.3\nDebt securities\t209.1-209.1\t\t\t0\t209.1\nEquity shares\t15.2-15.2\t\t\t0\t15.2\nDerivatives (3)\t1074.6\t(544.5)\t530.1\t(478.9)\t51.2\nSettlement balances\t9.2\t(1.4)\t7.8\t(2.2)\t5.6\nOther financial assets\t1.3-1.3\t\t\t0\t1.3\nTotal\t2044.7\t(583.5)\t1461.2\t(537.5)\t923.7\nShort positions\t(41.0)-(41.0)\t\t\t0\t(41.0)\nNet of short positions\t2003.7\t(583.5)\t1420.2\t(537.5)\t882.7\n", "q10k_tbl_202": "2013\t\tReverse\t\tSecurities\t\tDerivatives\tOther\tBalance\t\tExposure\nrepos\tLending\tDebt\tEquity\tfinancial assets\tsheet value\tOffset (1)\tpost offset\n£m\t£m\t£m\t£m\t£m\t£m\t£m\t\t£m £m\nCentral and local government\t\t247\t8643\t70267-4049\t\t\t578\t83784\t(4433)\t79351\nFinancial institutions\t- banks\t26557\t27640\t7869\t688\t200091\t82661\t345506\t(207203)\t138303\n\t- other (2)\t49156\t35948\t33219\t2538\t69851\t4859\t195571\t(87110)\t108461\nPersonal - mortgages\t\t0\t148533--\t\t\t--148533\t\t\t0\t148533\nPersonal - unsecured\t\t0\t28160--\t\t\t0\t6\t28166\t0\t28166\nProperty\t\t0\t62292\t225\t326\t2794-65637\t\t\t(689)\t64948\nConstruction\t\t0\t6331\t24\t117\t451\t7\t6930\t(1370)\t5560\nManufacturing\t\t466\t21377\t735\t2168\t1265\t43\t26054\t(2525)\t23529\nFinance leases and instalment credit\t\t0\t13587\t14\t5\t13-13619\t\t\t(17)\t13602\nRetail wholesale and repairs\t\t0\t19574\t244\t446\t882\t11\t21157\t(1962)\t19195\nTransport and storage\t\t0\t16697\t299\t82\t2186-19264\t\t\t(866)\t18398\nHealth education and leisure\t\t0\t16084\t103\t86\t661\t14\t16948\t(853)\t16095\nHotels and restaurants\t\t0\t6942\t5\t57\t218-7222\t\t\t(165)\t7057\nUtilities\t\t0\t4960\t176\t285\t3271\t23\t8715\t(1064)\t7651\nOther\t\t28\t28624\t762\t2112\t2308\t50\t33884\t(2776)\t31108\nTotal gross of provisions\t\t76454\t445392\t113942\t8910\t288040\t88252\t1020990\t(311033)\t709957\nProvisions\t\t0\t(25225)\t(319)\t(99)--\t\t\t(25643)\tn/a\t(25643)\nTotal\t\t76454\t420167\t113623\t8811\t288040\t88252\t995347\t(311033)\t684314\n2012\t\t\t\t\t\t\t\t\t\t\nCentral and local government\t\t441\t9853\t97339-5791\t\t\t591\t114015\t(5151)\t108864\nFinancial institutions\t- banks\t34783\t31394\t11555\t1643\t335521\t79308\t494204\t(341103)\t153101\n\t- other (2)\t69256\t42198\t50104\t2672\t80817\t5591\t250638\t(97589)\t153049\nPersonal - mortgages\t\t0\t149625--\t\t\t--149625\t\t\t0\t149625\n- unsecured\t\t0\t32212--\t\t\t0\t4\t32216\t0\t32216\nProperty\t\t0\t72219\t774\t318\t4118-77429\t\t\t(1333)\t76096\nConstruction\t\t0\t8049\t17\t264\t820-9150\t\t\t(1687)\t7463\nManufacturing\t\t326\t23787\t836\t1639\t1759\t144\t28491\t(3775)\t24716\nFinance leases and instalment credit\t\t0\t13609\t82\t1\t13-13705\t\t\t0\t13705\nRetail wholesale and repairs\t\t0\t21936\t461\t1807\t914\t41\t25159\t(1785)\t23374\nTransport and storage\t\t0\t18341\t659\t382\t3397\t2\t22781\t(3240)\t19541\nHealth education and leisure\t\t0\t16705\t314\t554\t904\t59\t18536\t(964)\t17572\nHotels and restaurants\t\t0\t7877\t144\t51\t493\t11\t8576\t(348)\t8228\nUtilities\t\t0\t6631\t1311\t638\t3170\t50\t11800\t(2766)\t9034\nOther\t\t24\t30057\t1886\t5380\t4201\t172\t41720\t(2403)\t39317\nTotal gross of provisions\t\t104830\t484493\t165482\t15349\t441918\t85973\t1298045\t(462144)\t835901\nProvisions\t\t0\t(21262)\t(858)\t(112)--\t\t\t(22232)\tn/a\t(22232)\nTotal\t\t104830\t463231\t164624\t15237\t441918\t85973\t1275813\t(462144)\t813669\nFor the notes to this table refer to page 273.\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_203": "2011\t\tReverse\t\tSecurities\t\tDerivatives\tOther\tBalance\t\tExposure\nrepos\tLending\tDebt\tEquity\tfinancial assets\tsheet value\tOffset (1)\tpost offset\n£m\t£m\t£m\t£m\t£m\t£m\t£m\t\t£m £m\nCentral and local government\t\t2247\t9742\t125543-5541\t\t\t641\t143714\t(1098)\t142616\nFinancial institutions\t- banks\t39345\t44080\t16940\t2218\t400261\t79396\t582240\t(407457)\t174783\n\t- other (2)\t58478\t51870\t60628\t2501\t98255\t7451\t279183\t(119717)\t159466\nPersonal - mortgages\t\t0\t149273--\t\t\t--149273\t\t\t0\t149273\nPersonal - unsecured\t\t0\t34424--\t\t\t0\t52\t34476\t(7)\t34469\nProperty\t\t0\t81058\t573\t175\t4599\t1\t86406\t(1274)\t85132\nConstruction\t\t0\t9869\t50\t53\t946-10918\t\t\t(1139)\t9779\nManufacturing\t\t254\t28639\t664\t1938\t3786\t306\t35587\t(2214)\t33373\nFinance leases and instalment credit\t\t0\t14499\t145\t2\t75-14721\t\t\t(16)\t14705\nRetail wholesale and repairs\t\t0\t24378\t645\t2652\t1134\t18\t28827\t(1671)\t27156\nTransport and storage\t\t436\t22058\t539\t74\t3759-26866\t\t\t(241)\t26625\nHealth education and leisure\t\t0\t17492\t310\t21\t885-18708\t\t\t(973)\t17735\nHotels and restaurants\t\t0\t8870\t116\t5\t671-9662\t\t\t(184)\t9478\nUtilities\t\t0\t8406\t1530\t554\t3708\t30\t14228\t(450)\t13778\nOther\t\t174\t33490\t3785\t5136\t6437\t595\t49617\t(1003)\t48614\nTotal gross of provisions\t\t100934\t538148\t211468\t15329\t530057\t88490\t1484426\t(537444)\t946982\nProvisions\t\t0\t(20674)\t(2388)\t(141)--\t\t\t(23203)\tn/a\t(23203)\nTotal\t\t100934\t517474\t209080\t15188\t530057\t88490\t1461223\t(537444)\t923779\nFor the notes to this table refer to page 273.\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_204": "\tReverse\t\tSecurities\t\t\tOther Balance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets sheet value\tOffset (1)\tpost offset\n2013\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nUK\t\t\t\t\t\t\t\t\nCentral and local government\t0\t6950\t13210-3856\t\t\t122 24138\t(4351)\t19787\nFinancial institutions - banks\t18462\t17597\t3153\t449\t132076\t55720 227457\t(142018)\t85439\n- other (2)\t19293\t28937\t11915\t2015\t56441\t2248 120849\t(69890)\t50959\nPersonal - mortgages\t0\t110515--\t\t\t--110515\t\t0\t110515\n- unsecured\t0\t17098--\t\t\t0\t3 17101\t0\t17101\nProperty\t0\t44252\t86\t292\t2728-47358\t\t(676)\t46682\nConstruction\t0\t4691\t22\t101\t414\t7 5235\t(1346)\t3889\nManufacturing\t466\t8740\t409\t2147\t979\t21 12762\t(2414)\t10348\nFinance leases and instalment credit\t0\t10567\t3\t5\t11-10586\t\t(16)\t10570\nRetail wholesale and repairs\t0\t10804\t154\t423\t724\t11 12116\t(1908)\t10208\nTransport and storage\t0\t9059\t141\t69\t1646-10915\t\t(703)\t10212\nHealth education and leisure\t0\t11757\t39\t79\t618\t14 12507\t(847)\t11660\nHotels and restaurants\t0\t5333\t1\t50\t217-5601\t\t(161)\t5440\nUtilities\t0\t2117\t123\t281\t2900-5421\t\t(1027)\t4394\nOther\t18\t16202\t115\t1971\t1514\t47 19867\t(2625)\t17242\nTotal gross of provisions\t38239\t304619\t29371\t7882\t204124\t58193 642428\t(227982)\t414446\nProvisions\t0\t(11005)\t(229)\t(82)--\t\t(11316)\tn/a\t(11316)\nTotal\t38239\t293614\t29142\t7800\t204124\t58193 631112\t(227982)\t403130\nUS\t\t\t\t\t\t\t\t\nCentral and local government\t247\t238\t23832-21\t\t\t221 24559\t(12)\t24547\nFinancial institutions - banks\t4073\t946\t212\t166\t53340\t17811 76548\t(53339)\t23209\n- other (2)\t18346\t3908\t17269\t379\t9580\t2276 51758\t(13778)\t37980\nPersonal - mortgages\t0\t19901--\t\t\t--19901\t\t0\t19901\n- unsecured\t0\t8722--\t\t\t--8722\t\t0\t8722\nProperty\t0\t4279--\t\t\t21-4300\t\t(7)\t4293\nConstruction\t0\t313\t2\t13\t2-330\t\t0\t330\nManufacturing\t0\t6117\t299\t9\t131-6556\t\t(56)\t6500\nFinance leases and instalment credit\t0\t2513\t8-1\t\t\t- 2522\t0\t2522\nRetail wholesale and repairs\t0\t4914\t87\t1\t32-5034\t\t(6)\t5028\nTransport and storage\t0\t1667\t76\t7\t370-2120\t\t(141)\t1979\nHealth education and leisure\t0\t3059\t55\t2\t37-3153\t\t0\t3153\nHotels and restaurants\t0\t369\t4\t7\t1-381\t\t0\t381\nUtilities\t0\t638\t32\t1\t149-820\t\t(27)\t793\nOther\t10\t4464\t429\t16\t547-5466\t\t(20)\t5446\nTotal gross of provisions\t22676\t62048\t42305\t601\t64232\t20308 212170\t(67386)\t144784\nProvisions\t0\t(850)\t(60)\t(12)--\t\t(922)\tn/a\t(922)\nTotal\t22676\t61198\t42245\t589\t64232\t20308 211248\t(67386)\t143862\nFor the notes to these tables refer to page 273.\t\t\t\t\t\t\t\t\n", "q10k_tbl_205": "\tReverse\t\tSecurities\t\t\tOther Balance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets sheet value\tOffset (1)\tpost offset\n2013\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nEurope\t\t\t\t\t\t\t\t\nCentral and local government\t0\t778\t21465-53\t\t\t- 22296\t0\t22296\nFinancial institutions - banks\t658\t2331\t3727\t1\t50\t7133 13900\t0\t13900\n- other (2)-1434\t\t\t3975\t93\t46\t4 5552\t0\t5552\nPersonal - mortgages\t0\t17540--\t\t\t--17540\t\t0\t17540\n- unsecured\t0\t1267--\t\t\t0\t3 1270\t0\t1270\nProperty\t0\t13177-31\t\t\t25-13233\t\t(5)\t13228\nConstruction\t0\t979--\t\t\t--979\t\t(20)\t959\nManufacturing\t0\t3618\t25\t3\t26\t22 3694\t(9)\t3685\nFinance leases and instalment credit\t0\t378--\t\t\t--378\t\t0\t378\nRetail wholesale and repairs\t0\t2840--\t\t\t27-2867\t\t(21)\t2846\nTransport and storage\t0\t5269--\t\t\t16-5285\t\t(5)\t5280\nHealth education and leisure\t0\t1080\t9\t1\t2-1092\t\t(6)\t1086\nHotels and restaurants\t0\t1180--\t\t\t--1180\t\t(4)\t1176\nUtilities\t0\t1670\t6-40\t\t\t- 1716\t0\t1716\nOther\t0\t4373\t136\t47\t31-4587\t\t(52)\t4535\nTotal gross of provisions\t658\t57914\t29343\t176\t316\t7162 95569\t(122)\t95447\nProvisions\t0\t(13109)\t(30)\t(5)--\t\t(13144)\tn/a\t(13144)\nTotal\t658\t44805\t29313\t171\t316\t7162 82425\t(122)\t82303\nRoW\t\t\t\t\t\t\t\t\nCentral and local government\t0\t677\t11760-119\t\t\t235 12791\t(70)\t12721\nFinancial institutions - banks\t3364\t6766\t777\t72\t14625\t1997 27601\t(11846)\t15755\n- other (2)\t11517\t1669\t60\t51\t3784\t331 17412\t(3442)\t13970\nPersonal - mortgages\t0\t577--\t\t\t--577\t\t0\t577\n- unsecured\t0\t1073--\t\t\t--1073\t\t0\t1073\nProperty\t0\t584\t139\t3\t20-746\t\t(1)\t745\nConstruction\t0\t348-3\t\t\t35-386\t\t(4)\t382\nManufacturing\t0\t2902\t2\t9\t129-3042\t\t(46)\t2996\nFinance leases and instalment credit\t0\t129\t3-1\t\t\t- 133\t(1)\t132\nRetail wholesale and repairs\t0\t1016\t3\t22\t99-1140\t\t(27)\t1113\nTransport and storage\t0\t702\t82\t6\t154-944\t\t(17)\t927\nHealth education and leisure\t0\t188-4\t\t\t4-196\t\t0\t196\nHotels and restaurants\t0\t60--\t\t\t--60\t\t0\t60\nUtilities\t0\t535\t15\t3\t182\t23 758\t(10)\t748\nOther\t0\t3585\t82\t78\t216\t3 3964\t(79)\t3885\nTotal gross of provisions\t14881\t20811\t12923\t251\t19368\t2589 70823\t(15543)\t55280\nProvisions\t0\t(261)--\t\t\t--(261)\t\tn/a\t(261)\nTotal\t14881\t20550\t12923\t251\t19368\t2589 70562\t(15543)\t55019\nFor the notes to these tables refer to page 273.\t\t\t\t\t\t\t\t\n", "q10k_tbl_206": "\tReverse\t\tSecurities\t\t\tOther\tBalance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets\tsheet value\tOffset (1)\tpost offset\n2012\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK\t\t\t\t\t\t\t\t\t\nCentral and local government\t441\t8087\t62722-5582\t\t\t47\t76879\t(5028)\t71851\nFinancial institutions - banks\t24856\t22651\t6110\t1175\t193892\t40851\t289535\t(202189)\t87346\n- other (2)\t42203\t33955\t16834\t2069\t62810\t2946\t160817\t(78976)\t81841\nPersonal - mortgages\t0\t109530--\t\t\t--109530\t\t\t0\t109530\n- unsecured\t0\t20498--\t\t\t0\t4\t20502\t0\t20502\nProperty\t0\t53730\t547\t282\t3954-58513\t\t\t(1328)\t57185\nConstruction\t0\t6507\t14\t248\t789-7558\t\t\t(1666)\t5892\nManufacturing\t326\t10058\t579\t1553\t1286\t111\t13913\t(3542)\t10371\nFinance leases and instalment credit\t0\t10532\t81\t1--\t\t\t10614\t0\t10614\nRetail wholesale and repairs\t0\t11531\t397\t1634\t701\t41\t14304\t(1590)\t12714\nTransport and storage\t0\t10577\t527\t361\t2049\t2\t13516\t(2279)\t11237\nHealth education and leisure\t0\t11901\t144\t548\t818\t59\t13470\t(888)\t12582\nHotels and restaurants\t0\t5989\t121\t51\t493\t11\t6665\t(344)\t6321\nUtilities\t0\t3556\t1178\t492\t2654\t30\t7910\t(2515)\t5395\nOther\t19\t15843\t1085\t4757\t2647\t140\t24491\t(1885)\t22606\nTotal gross of provisions\t67845\t334945\t90339\t13171\t277675\t44242\t828217\t(302230)\t525987\nProvisions\t0\t(9761)\t(420)\t(112)--\t\t\t(10293)\tn/a\t(10293)\nTotal\t67845\t325184\t89919\t13059\t277675\t44242\t817924\t(302230)\t515694\nUS\t\t\t\t\t\t\t\t\t\nCentral and local government\t0\t151\t22084-23\t\t\t500\t22758\t(17)\t22741\nFinancial institutions - banks\t5024\t1342\t468\t349\t116935\t14066\t138184\t(115459)\t22725\n- other (2)\t22807\t4257\t25483\t210\t13397\t2086\t68240\t(14720)\t53520\nPersonal - mortgages\t0\t21929--\t\t\t--21929\t\t\t0\t21929\n- unsecured\t0\t8748--\t\t\t--8748\t\t\t0\t8748\nProperty\t0\t3343\t8\t26\t34-3411\t\t\t0\t3411\nConstruction\t0\t388\t3\t2\t9-402\t\t\t0\t402\nManufacturing\t0\t6021\t156\t15\t265-6457\t\t\t(215)\t6242\nFinance leases and instalment credit\t0\t2471--\t\t\t--2471\t\t\t0\t2471\nRetail wholesale and repairs\t0\t4905\t58\t1\t66-5030\t\t\t(52)\t4978\nTransport and storage\t0\t1928\t37-855\t\t\t0\t2820\t(800)\t2020\nHealth education and leisure\t0\t2848\t170-73\t\t\t0\t3091\t(70)\t3021\nHotels and restaurants\t0\t490\t23--\t\t\t0\t513\t0\t513\nUtilities\t0\t966\t100\t15\t273-1354\t\t\t(251)\t1103\nOther\t4\t5317\t674\t324\t1094-7413\t\t\t(277)\t7136\nTotal gross of provisions\t27835\t65104\t49264\t942\t133024\t16652\t292821\t(131861)\t160960\nProvisions\t0\t(916)--\t\t\t--(916)\t\t\tn/a\t(916)\nTotal\t27835\t64188\t49264\t942\t133024\t16652\t291905\t(131861)\t160044\nFor the notes to these tables refer to page 273.\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_207": "\tReverse\t\tSecurities\t\t\tOther Balance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets sheet value\tOffset (1)\tpost offset\n2012\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nEurope\t\t\t\t\t\t\t\t\nCentral and local government\t0\t891\t5684-54\t\t\t2 6631\t(15)\t6616\nFinancial institutions - banks\t375\t3151\t4016\t8\t55\t23181 30786\t(2)\t30784\n- other (2)\t20\t1690\t7222\t309\t95\t134 9470\t0\t9470\nPersonal - mortgages\t0\t17836--\t\t\t--17836\t\t0\t17836\n- unsecured\t0\t1905--\t\t\t--1905\t\t0\t1905\nProperty\t0\t14634-2\t\t\t77-14713\t\t(5)\t14708\nConstruction\t0\t1132-6\t\t\t--1138\t\t(21)\t1117\nManufacturing\t0\t5431\t94\t26\t25\t1 5577\t(9)\t5568\nFinance leases and instalment credit\t0\t464--\t\t\t--464\t\t0\t464\nRetail wholesale and repairs\t0\t3749-109\t\t\t10-3868\t\t(22)\t3846\nTransport and storage\t0\t5450\t1\t10\t12-5473\t\t(5)\t5468\nHealth education and leisure\t0\t1569-2\t\t\t--1571\t\t(6)\t1565\nHotels and restaurants\t0\t1379--\t\t\t--1379\t\t(4)\t1375\nUtilities\t0\t1492\t6\t112\t65\t20 1695\t0\t1695\nOther\t0\t5309\t39\t201\t44\t32 5625\t(53)\t5572\nTotal gross of provisions\t395\t66082\t17062\t785\t437\t23370 108131\t(142)\t107989\nProvisions\t0\t(10267)\t(438)--\t\t\t- (10705)\tn/a\t(10705)\nTotal\t395\t55815\t16624\t785\t437\t23370 97426\t(142)\t97284\nRoW\t\t\t\t\t\t\t\t\nCentral and local government\t0\t724\t6849-132\t\t\t42 7747\t(91)\t7656\nFinancial institutions - banks\t4528\t4250\t961\t111\t24639\t1210 35699\t(23453)\t12246\n- other (2)\t4226\t2296\t565\t84\t4515\t425 12111\t(3893)\t8218\nPersonal - mortgages\t0\t330--\t\t\t--330\t\t0\t330\n- unsecured\t0\t1061--\t\t\t--1061\t\t0\t1061\nProperty\t0\t512\t219\t8\t53-792\t\t0\t792\nConstruction\t0\t22-8\t\t\t22-52\t\t0\t52\nManufacturing\t0\t2277\t7\t45\t183\t32 2544\t(9)\t2535\nFinance leases and instalment credit\t0\t142\t1-13\t\t\t- 156\t0\t156\nRetail wholesale and repairs\t0\t1751\t6\t63\t137-1957\t\t(121)\t1836\nTransport and storage\t0\t386\t94\t11\t481-972\t\t(156)\t816\nHealth education and leisure\t0\t387-4\t\t\t13-404\t\t0\t404\nHotels and restaurants\t0\t19--\t\t\t--19\t\t0\t19\nUtilities\t0\t617\t27\t19\t178-841\t\t0\t841\nOther\t1\t3588\t88\t98\t416-4191\t\t(188)\t4003\nTotal gross of provisions\t8755\t18362\t8817\t451\t30782\t1709 68876\t(27911)\t40965\nProvisions\t0\t(318)--\t\t\t--(318)\t\tn/a\t(318)\nTotal\t8755\t18044\t8817\t451\t30782\t1709 68558\t(27911)\t40647\nFor the notes to these tables refer to page 273.\t\t\t\t\t\t\t\t\n", "q10k_tbl_208": "\tReverse\t\tSecurities\t\t\tOther Balance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets sheet value\tOffset (1)\tpost offset\n2011\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nUK\t\t\t\t\t\t\t\t\nCentral and local government\t2130\t8037\t77831-5282\t\t\t548 93828\t(1098)\t92730\nFinancial institutions - banks\t25204\t29793\t1950\t1562\t258321\t40396 357226\t(271500)\t85726\n- other (2)\t39154\t35381\t25954\t1676\t43327\t3259 148751\t(59160)\t89591\nPersonal - mortgages\t0\t106388--\t\t\t--106388\t\t0\t106388\n- unsecured\t0\t22008--\t\t\t0\t24 22032\t(7)\t22025\nProperty\t0\t60041\t278\t137\t4332-64788\t\t(1265)\t63523\nConstruction\t0\t7589\t20\t26\t895-8530\t\t(1115)\t7415\nManufacturing\t254\t10983\t499\t1908\t2259-15903\t\t(2205)\t13698\nFinance leases and instalment credit\t0\t11216\t1\t2\t73-11292\t\t(16)\t11276\nRetail wholesale and repairs\t0\t13237\t574\t2616\t952\t18 17397\t(1647)\t15750\nTransport and storage\t436\t12155\t145\t67\t2217-15020\t\t(200)\t14820\nHealth education and leisure\t0\t12291\t72\t8\t756-13127\t\t(965)\t12162\nHotels and restaurants\t0\t6734\t23-664\t\t\t- 7421\t(178)\t7243\nUtilities\t0\t3398\t1150\t513\t3207\t30 8298\t(450)\t7848\nOther\t126\t19116\t2395\t4704\t4105\t593 31039\t(947)\t30092\nTotal gross of provisions\t67304\t358367\t110892\t13219\t326390\t44868 921040\t(340753)\t580287\nProvisions\t0\t(10103)\t(1170)\t(141)--\t\t(11414)\tn/a\t(11414)\nTotal\t67304\t348264\t109722\t13078\t326390\t44868 909626\t(340753)\t568873\nUS\t\t\t\t\t\t\t\t\nCentral and local government\t0\t191\t22936-9\t\t\t1 23137\t0\t23137\nFinancial institutions - banks\t7289\t711\t1245\t443\t111240\t29426 150354\t(108060)\t42294\n- other (2)\t17368\t9334\t29885\t560\t54639\t3510 115296\t(60556)\t54740\nPersonal - mortgages\t0\t23237--\t\t\t--23237\t\t0\t23237\n- unsecured\t0\t8441--\t\t\t--8441\t\t0\t8441\nProperty\t0\t3783\t26\t23\t38-3870\t\t0\t3870\nConstruction\t0\t457\t21\t3\t11-492\t\t0\t492\nManufacturing\t0\t6824\t101\t12\t452-7389\t\t0\t7389\nFinance leases and instalment credit\t0\t2471\t17--\t\t\t- 2488\t0\t2488\nRetail wholesale and repairs\t0\t5073\t52-63\t\t\t- 5188\t0\t5188\nTransport and storage\t0\t2769\t26\t1\t1084-3880\t\t0\t3880\nHealth education and leisure\t0\t3034\t74\t4\t93-3205\t\t0\t3205\nHotels and restaurants\t0\t684\t93\t3\t1-781\t\t0\t781\nUtilities\t0\t1061\t243\t16\t322-1642\t\t0\t1642\nOther\t29\t5574\t695\t103\t1436-7837\t\t0\t7837\nTotal gross of provisions\t24686\t73644\t55414\t1168\t169388\t32937 357237\t(168616)\t188621\nProvisions\t0\t(1303)--\t\t\t--(1303)\t\tn/a\t(1303)\nTotal\t24686\t72341\t55414\t1168\t169388\t32937 355934\t(168616)\t187318\nFor the notes to these tables refer to page 273.\t\t\t\t\t\t\t\t\n", "q10k_tbl_209": "\tReverse\t\tSecurities\t\t\tOther Balance\t\tExposure\n\trepos\tLending\tDebt\tEquity\tDerivatives\tfinancial assets sheet value\tOffset (1)\tpost offset\n2011\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nEurope\t\t\t\t\t\t\t\t\nCentral and local government\t0\t831\t13362-60\t\t\t- 14253\t0\t14253\nFinancial institutions - banks\t247\t8611\t10859\t78-6725\t\t26520\t0\t26520\n- other (2)-3008\t\t\t4521\t165\t289\t90 8073\t(1)\t8072\nPersonal - mortgages\t0\t18946--\t\t\t--18946\t\t0\t18946\n- unsecured\t0\t2464--\t\t\t0\t28 2492\t0\t2492\nProperty\t0\t16384--\t\t\t168-16552\t\t(9)\t16543\nConstruction\t0\t1754-22\t\t\t18-1794\t\t(24)\t1770\nManufacturing\t0\t8115\t57\t5\t23-8200\t\t(9)\t8191\nFinance leases and instalment credit\t0\t695--\t\t\t--695\t\t0\t695\nRetail wholesale and repairs\t0\t4764\t16\t2\t23-4805\t\t(24)\t4781\nTransport and storage\t0\t6529\t143-15\t\t\t- 6687\t(6)\t6681\nHealth education and leisure\t0\t1584\t164\t5\t2-1755\t\t(8)\t1747\nHotels and restaurants\t0\t1427--\t\t\t6-1433\t\t(6)\t1427\nUtilities\t0\t2099\t124\t3\t85-2311\t\t0\t2311\nOther\t7\t5445\t568\t70\t35-6125\t\t(56)\t6069\nTotal gross of provisions\t254\t82656\t29814\t350\t724\t6843 120641\t(143)\t120498\nProvisions\t0\t(8898)\t(1218)--\t\t\t- (10116)\tn/a\t(10116)\nTotal\t254\t73758\t28596\t350\t724\t6843 110525\t(143)\t110382\nRoW\t\t\t\t\t\t\t\t\nCentral and local government\t117\t683\t11414-190\t\t\t92 12496\t0\t12496\nFinancial institutions - banks\t6605\t4965\t2886\t135\t30700\t2849 48140\t(27897)\t20243\n- other (2)\t1956\t4147\t268\t100-592\t\t7063\t0\t7063\nPersonal - mortgages\t0\t702--\t\t\t--702\t\t0\t702\n- unsecured\t0\t1511--\t\t\t--1511\t\t0\t1511\nProperty\t0\t850\t269\t15\t61\t1 1196\t0\t1196\nConstruction\t0\t69\t9\t2\t22-102\t\t0\t102\nManufacturing\t0\t2717\t7\t13\t1052\t306 4095\t0\t4095\nFinance leases and instalment credit\t0\t117\t127-2\t\t\t- 246\t0\t246\nRetail wholesale and repairs\t0\t1304\t3\t34\t96-1437\t\t0\t1437\nTransport and storage\t0\t605\t225\t6\t443-1279\t\t(35)\t1244\nHealth education and leisure\t0\t583-4\t\t\t34-621\t\t0\t621\nHotels and restaurants\t0\t25-2\t\t\t--27\t\t0\t27\nUtilities\t0\t1848\t13\t22\t94-1977\t\t0\t1977\nOther\t12\t3355\t127\t259\t861\t2 4616\t0\t4616\nTotal gross of provisions\t8690\t23481\t15348\t592\t33555\t3842 85508\t(27932)\t57576\nProvisions\t0\t(370)--\t\t\t--(370)\t\tn/a\t(370)\nTotal\t8690\t23111\t15348\t592\t33555\t3842 85138\t(27932)\t57206\n", "q10k_tbl_210": "Asset quality band\tProbability of default range\nAQ1\t0% - 0.034%\nAQ2\t0.034% - 0.048%\nAQ3\t0.048% - 0.095%\nAQ4\t0.095% - 0.381%\nAQ5\t0.381% - 1.076%\nAQ6\t1.076% - 2.153%\nAQ7\t2.153% - 6.089%\nAQ8\t6.089% - 17.222%\nAQ9\t17.222% - 100%\nAQ10\t100%\n", "q10k_tbl_211": "\tLoans and advances\t\t\t\t\t\t\t\t\t\t\t\t\n\tBanks (1)\t\t\t\tCustomers\t\t\t\tSettlement\t\t\t\t\n\tCash and\tDerivative\t\t\t\tDerivative\t\t\tbalances and\t\t\t\t\n\tbalances at Reverse\tcash\t\t\tReverse\tcash\t\t\tother financial\t\t\tContingent\t\n\tcentral banks repos\tcollateral\tOther\tTotal\trepos\tcollateral\tOther\tTotal\tassets\tDerivatives\tCommitments\tliabilities\tTotal\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nTotal\t\t\t\t\t\t\t\t\t\t\t\t\t\nAQ1\t80305 5885\t2043\t6039\t13967\t30233\t10042\t34395\t74670\t2707\t71497\t64453\t6739\t314338\nAQ2\t1 4744\t4930\t672\t10346\t996\t1899\t17695\t20590\t192\t69949\t28717\t2940\t132735\nAQ3\t1873 2164\t1502\t2347\t6013\t1857\t3796\t29364\t35017\t746\t94678\t23126\t7057\t168510\nAQ4\t479 9864\t1451\t7031\t18346\t10642\t1894\t99258\t111794\t470\t39157\t40984\t4430\t215660\nAQ5-1776\t\t416\t662\t2854\t5403\t297\t77045\t82745\t717\t8826\t33507\t2087\t130736\nAQ6-1823\t\t1\t157\t1981\t82\t38\t39324\t39444\t59\t1487\t14138\t1426\t58535\nAQ7-301\t\t0\t237\t538\t684\t50\t30279\t31013\t22\t978\t7437\t918\t40906\nAQ8\t3--\t\t48\t48\t0\t10\t8482\t8492\t58\t132\t1183\t119\t10035\nAQ9--\t\t0\t34\t34\t0\t41\t16944\t16985-641\t\t\t1020\t317\t18997\nAQ10--\t\t---\t\t\t--730\t\t\t730-695\t\t\t1274\t137\t2836\nPast due--\t\t---\t\t\t--9068\t\t\t9068\t620--\t\t\t0\t9688\nImpaired--\t\t0\t70\t70\t--37101\t\t\t37101--\t\t\t--37171\t\t\nImpairment\t\t\t\t\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(63)\t(63)\t--(25162)\t\t\t(25162)--\t\t\t--(25225)\t\t\nGroup\t82661 26557\t10343\t17234\t54134\t49897\t18067\t374523\t442487\t5591\t288040\t215839\t26170\t1114922\n", "q10k_tbl_212": "2012\t\t\t\t\t\t\t\t\t\t\t\t\t\nTotal\t\t\t\t\t\t\t\t\t\t\t\t\t\nAQ1\t78039 17806\t3713\t10913\t32432\t42963\t15022\t39734\t97719\t2671\t100652\t63785\t8113\t383411\nAQ2\t12 3556\t4566\t526\t8648\t710\t704\t13101\t14515\t185\t108733\t20333\t2810\t155236\nAQ3\t1156 5703\t2241\t2757\t10701\t2886\t3917\t25252\t32055\t539\t152810\t23727\t7431\t228419\nAQ4\t100 6251\t1761\t2734\t10746\t14079\t2144\t104060\t120283\t1202\t58705\t40196\t5736\t236968\nAQ5-1183\t\t469\t787\t2439\t8163\t679\t92147\t100989\t659\t13244\t28165\t2598\t148094\nAQ6-282\t\t39\t357\t678\t86\t50\t40096\t40232\t73\t2175\t13854\t1380\t58392\nAQ7-2\t\t0\t236\t238\t1133\t12\t36223\t37368\t191\t3205\t19219\t1275\t61496\nAQ8--\t\t0\t68\t68\t4\t2\t12812\t12818\t8\t262\t5688\t185\t19029\nAQ9\t1--\t\t93\t93\t23\t7\t17431\t17461\t137\t1360\t1363\t95\t20510\nAQ10--\t\t---\t\t\t--807\t\t\t807\t1\t772\t1454\t238\t3272\nPast due--\t\t---\t\t\t0\t249\t10285\t10534\t999--\t\t\t0\t11533\nImpaired--\t\t0\t134\t134\t--38365\t\t\t38365--\t\t\t--38499\t\t\nImpairment\t\t\t\t\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(114)\t(114)\t--(21148)\t\t\t(21148)--\t\t\t--(21262)\t\t\nGroup\t79308 34783\t12789\t18491\t66063\t70047\t22786\t409165\t501998\t6665\t441918\t217784\t29861\t1343597\nFor the note to these tables refer to page 278.\t\t\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_213": "\tCash and\t\t\tSettlement\tDerivatives\tCommitments\t\tTotal\n\tbalances at\tLoans and advances\t\tbalances and other\tContingent\n\tcentral banks\tBanks (1)\tCustomers\tfinancial assets\tliabilities\n2011\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nTotal\t\t\t\t\t\t\t\t\nAQ1\t78692\t74279\t114424\t5152\t482053\t75356\t14076\t844032\nAQ2\t342\t1881\t15810\t93\t8177\t24269\t3154\t53726\nAQ3\t223\t1981\t34017\t546\t10827\t23471\t4427\t75492\nAQ4\t19\t1612\t108262\t760\t14421\t40071\t5847\t170992\nAQ5\t90\t1261\t118056\t124\t6516\t34593\t4301\t164941\nAQ6\t9\t188\t50428\t46\t2221\t17153\t1662\t71707\nAQ7\t8\t432\t33218\t13\t2393\t19163\t1037\t56264\nAQ8\t7\t30\t12622\t19\t1252\t4159\t276\t18365\nAQ9\t5\t83\t16429\t324\t1150\t2286\t943\t21220\nAQ10\t1\t164\t784\t6\t1047\t2354\t221\t4577\nPast due\t0\t2\t11591\t1623--\t\t\t0\t13216\nImpaired\t0\t137\t39921\t414--\t\t\t0\t40472\nImpairment provision\t0\t(123)\t(20551)\t(26)--\t\t\t0\t(20700)\nGroup\t79396\t81927\t535011\t9094\t530057\t242875\t35944\t1514304\n", "q10k_tbl_214": "\tLoans and advances\t\t\t\t\t\t\t\t\t\t\t\t\n\tBanks (1)\t\t\t\tCustomers\t\t\t\tSettlement\t\t\t\t\n\tCash and\tDerivative\t\t\t\tDerivative\t\t\tbalances and\t\t\t\t\n\tbalances at Reverse\tcash\t\t\tReverse\tcash\t\t\tother financial\t\t\tContingent\t\n\tcentral banks repos\tcollateral\tOther\tTotal\trepos\tcollateral\tOther\tTotal\tassets\tDerivatives\tCommitments\tliabilities\tTotal\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCore\t\t\t\t\t\t\t\t\t\t\t\t\t\nAQ1\t80266 5885\t2043\t5986\t13914\t30233\t10042\t31712\t71987\t2706\t71101\t64149\t6688\t310811\nAQ2-4744\t\t4930\t653\t10327\t996\t1899\t17253\t20148\t192\t69821\t28643\t2917\t132048\nAQ3\t1873 2164\t1502\t2176\t5842\t1857\t3796\t28480\t34133\t746\t94319\t23008\t7039\t166960\nAQ4\t420 9864\t1451\t6924\t18239\t10642\t1894\t95546\t108082\t446\t38683\t40737\t4215\t210822\nAQ5-1776\t\t416\t659\t2851\t5403\t297\t75211\t80911\t717\t8113\t33313\t1989\t127894\nAQ6-1823\t\t1\t147\t1971\t82\t38\t37269\t37389\t59\t1191\t13787\t1399\t55796\nAQ7-301\t\t0\t204\t505\t677\t50\t29417\t30144\t22\t756\t7160\t747\t39334\nAQ8\t3--\t\t25\t25\t0\t10\t8000\t8010\t58\t95\t1086\t115\t9392\nAQ9--\t\t0\t23\t23\t0\t41\t12492\t12533-481\t\t\t697\t283\t14017\nAQ10--\t\t---\t\t\t--687\t\t\t687-305\t\t\t979\t64\t2035\nPast due--\t\t---\t\t\t--8536\t\t\t8536\t583--\t\t\t0\t9119\nImpaired--\t\t0\t69\t69\t--18364\t\t\t18364--\t\t\t--18433\t\t\nImpairment\t\t\t\t\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(62)\t(62)\t--(11324)\t\t\t(11324)--\t\t\t--(11386)\t\t\nGroup\t82562 26557\t10343\t16804\t53704\t49890\t18067\t351643\t419600\t5529\t284865\t213559\t25456\t1085275\n", "q10k_tbl_215": "\tLoans and advances\t\t\t\t\t\t\t\t\t\t\t\t\n\tBanks (1)\t\t\t\tCustomers\t\t\t\tSettlement\t\t\t\t\n\tCash and\tDerivative\t\t\t\tDerivative\t\t\tbalances and\t\t\t\t\n\tbalances at Reverse\tcash\t\t\tReverse\tcash\t\t\tother financial\t\t\tContingent\t\n\tcentral banks repos\tcollateral\tOther\tTotal\trepos\tcollateral\tOther\tTotal\tassets\tDerivatives\tCommitments\tliabilities\tTotal\n2012 (2)\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCore\t\t\t\t\t\t\t\t\t\t\t\t\t\nAQ1\t78003 17806\t3708\t8495\t30009\t42963\t15022\t32256\t90241\t2671\t99882\t62440\t7822\t371068\nAQ2\t12 3556\t4566\t514\t8636\t710\t704\t10551\t11965\t185\t108107\t20207\t2792\t151904\nAQ3\t1046 5703\t2241\t2738\t10682\t2886\t3917\t21688\t28491\t539\t152462\t23392\t7419\t224031\nAQ4\t100 6251\t1761\t2729\t10741\t14079\t2144\t99771\t115994\t1202\t57650\t39832\t5648\t231167\nAQ5-1183\t\t469\t785\t2437\t8163\t679\t86581\t95423\t659\t12082\t27501\t2508\t140610\nAQ6-282\t\t39\t356\t677\t86\t50\t36891\t37027\t73\t1476\t13140\t1353\t53746\nAQ7-2\t\t0\t186\t188\t1133\t12\t32032\t33177\t191\t2536\t17824\t949\t54865\nAQ8--\t\t0\t68\t68\t4\t2\t10731\t10737\t8\t247\t5607\t146\t16813\nAQ9\t1--\t\t93\t93\t0\t7\t14958\t14965\t137\t979\t1088\t93\t17356\nAQ10--\t\t---\t\t\t--684\t\t\t684\t1\t448\t832\t149\t2114\nPast due--\t\t---\t\t\t0\t249\t9528\t9777\t991--\t\t\t0\t10768\nImpaired--\t\t0\t133\t133\t--17418\t\t\t17418--\t\t\t--17551\t\t\nImpairment\t\t\t\t\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(113)\t(113)\t--(9949)\t\t\t(9949)--\t\t\t--(10062)\t\t\nGroup\t79162 34783\t12784\t15984\t63551\t70024\t22786\t363140\t455950\t6657\t435869\t211863\t28879\t1281931\n", "q10k_tbl_216": "\tCash and\t\t\tSettlement\t\t\t\t\n\tbalances at\tLoans and advances\t\tbalances and other\t\t\tContingent\t\n\tcentral banks\tBanks (1)\tCustomers\tfinancial assets\tDerivatives\tCommitments\tliabilities\tTotal\n2011 (2)\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCore\t\t\t\t\t\t\t\t\nAQ1\t78634\t71120\t95679\t5034\t478177\t69220\t13249\t811113\nAQ2\t342\t1867\t14158\t91\t7500\t23404\t3122\t50484\nAQ3\t56\t1967\t30546\t546\t10360\t22319\t4354\t70148\nAQ4\t18\t1557\t101646\t759\t13475\t38808\t5655\t161918\nAQ5\t90\t1256\t110030\t124\t5087\t33226\t4092\t153905\nAQ6\t9\t140\t44012\t46\t1987\t16118\t1634\t63946\nAQ7\t8\t432\t28953\t13\t796\t17514\t949\t48665\nAQ8\t7\t20\t10608\t19\t666\t4068\t236\t15624\nAQ9\t5\t83\t11938\t276\t592\t1769\t898\t15561\nAQ10\t1\t164\t478\t6\t339\t1274\t180\t2442\nPast due\t0\t2\t10047\t1623--\t\t\t0\t11672\nImpaired\t0\t136\t16457\t413--\t\t\t0\t17006\nImpairment provision\t0\t(122)\t(9065)\t(25)--\t\t\t0\t(9212)\nGroup\t79170\t78622\t465487\t8925\t518979\t227720\t34369\t1413272\n", "q10k_tbl_217": "\tLoans and advances\t\t\t\t\t\t\t\t\t\n\tBanks (1)\t\t\t\tCustomers\t\tSettlement\t\t\t\n\tCash and\tDerivative\t\t\tDerivative\t\tbalances and\t\t\t\n\tbalances at Reverse\tcash\t\t\tReverse cash\t\tother financial\t\tContingent\t\n\tcentral banks repos\tcollateral\tOther\tTotal\trepos collateral\tOther Total\tassets Derivatives\tCommitments\tliabilities\tTotal\n2013\t£m £m\t£m\t£m\t£m\t£m £m\t£m £m\t£m £m\t£m\t£m\t£m\nNon-Core\t\t\t\t\t\t\t\t\t\t\nAQ1\t39--\t\t53\t53\t--2683\t2683\t1 396\t304\t51\t3527\nAQ2\t1--\t\t19\t19\t--442\t442-128\t\t74\t23\t687\nAQ3--\t\t0\t171\t171\t--884\t884-359\t\t118\t18\t1550\nAQ4\t59--\t\t107\t107\t--3712\t3712\t24 474\t247\t215\t4838\nAQ5--\t\t0\t3\t3\t--1834\t1834-713\t\t194\t98\t2842\nAQ6--\t\t0\t10\t10\t--2055\t2055-296\t\t351\t27\t2739\nAQ7--\t\t0\t33\t33\t7-862\t869-222\t\t277\t171\t1572\nAQ8--\t\t0\t23\t23\t--482\t482-37\t\t97\t4\t643\nAQ9--\t\t0\t11\t11\t--4452\t4452-160\t\t323\t34\t4980\nAQ10--\t\t---\t\t\t--43\t43-390\t\t295\t73\t801\nPast due--\t\t---\t\t\t--532\t532\t37--\t\t0\t569\nImpaired--\t\t0\t1\t1\t--18737\t18737--\t\t--18738\t\t\nImpairment\t\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(1)\t(1)\t--(13838)\t(13838)--\t\t--(13839)\t\t\nGroup\t99--\t\t430\t430\t7-22880\t22887\t62 3175\t2280\t714\t29647\n", "q10k_tbl_218": "Non-Core\t\t\t\t\t\t\t\t\t\nAQ1\t36--\t\t394\t394\t--7466\t7466-770\t1345\t291\t10302\nAQ2--\t\t0\t5\t5\t--2550\t2550-626\t126\t18\t3325\nAQ3\t110--\t\t19\t19\t--3564\t3564-348\t335\t12\t4388\nAQ4--\t\t0\t5\t5\t--4289\t4289-1055\t364\t88\t5801\nAQ5--\t\t0\t2\t2\t--4718\t4718-1162\t664\t90\t6636\nAQ6--\t\t0\t1\t1\t--3205\t3205-699\t714\t27\t4646\nAQ7--\t\t0\t50\t50\t--4191\t4191-669\t1395\t326\t6631\nAQ8--\t\t---\t\t\t--2081\t2081-15\t81\t39\t2216\nAQ9--\t\t---\t\t\t23-2452\t2475-381\t275\t2\t3133\nAQ10--\t\t---\t\t\t--123\t123-324\t622\t89\t1158\nPast due--\t\t---\t\t\t--757\t757 8--\t\t0\t765\nImpaired--\t\t0\t1\t1\t--20947\t20947--\t--20948\t\t\nImpairment\t\t\t\t\t\t\t\t\t\nprovision--\t\t0\t(1)\t(1)\t--(11199)\t(11199)--\t--(11200)\t\t\nGroup\t146--\t\t476\t476\t23-45144\t45167 8\t6049 5921\t982\t58749\nFor the notes to these tables refer to page 278.\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_219": "\tCash and\t\t\tSettlement\t\t\t\n\tbalances at\tLoans and advances\t\tbalances and other\t\tContingent\t\n\tcentral banks\tBanks (1)\tCustomers\tfinancial assets Derivatives\tCommitments\tliabilities\tTotal\n2011 (2)\t£m\t£m\t£m\t£m £m\t£m\t£m\t£m\nNon-Core\t\t\t\t\t\t\t\nAQ1\t58\t590\t18733\t118 3876\t6136\t827\t30338\nAQ2\t0\t4\t1652\t2 677\t865\t32\t3232\nAQ3\t167\t14\t3471-467\t\t1152\t73\t5344\nAQ4\t1\t55\t6616\t1 946\t1263\t192\t9074\nAQ5\t0\t5\t7145-1429\t\t1367\t209\t10155\nAQ6\t0\t48\t6416-234\t\t1035\t28\t7761\nAQ7\t0\t0\t4265-1597\t\t1649\t88\t7599\nAQ8\t0\t10\t2014-586\t\t91\t40\t2741\nAQ9\t0\t0\t4491\t48 558\t517\t45\t5659\nAQ10\t0\t0\t306-708\t\t1080\t41\t2135\nPast due\t0\t0\t1544--\t\t--1544\t\t\nImpaired\t0\t1\t23464\t1--\t\t0\t23466\nImpairment provision\t0\t(1)\t(11486)\t(1)--\t\t0\t(11488)\nGroup\t226\t726\t68631\t169 11078\t15155\t1575\t97560\n", "q10k_tbl_220": "\tCentral and local government\t\t\t\tOther financial\t\t\tOf which\n\tUK\tUS\tOther\tBanks\tinstitutions\tCorporate\tTotal\tABS\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nHeld-for-trading (HFT)\t6764\t10951\t22818\t1720\t12406\t1947\t56606\t10674\nDesignated as at fair value--\t\t\t104-17\t\t\t1\t122\t15\nAvailable-for-sale\t6436\t12880\t10303\t5974\t17330\t184\t53107\t24174\nLoans and receivables\t10\t1-175\t\t\t3466\t136\t3788\t3423\nLong positions\t13210\t23832\t33225\t7869\t33219\t2268\t113623\t38286\nOf which US agencies-5599\t\t\t--13132\t\t\t0\t18731\t18048\nShort positions (HFT)\t(1784)\t(6790)\t(16087)\t(889)\t(1387)\t(826)\t(27763)\t(36)\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t201\t428\t445\t70\t386\t11\t1541\t458\nGross unrealised losses\t(69)\t(86)\t(32)\t(205)\t(493)\t(2)\t(887)\t(753)\n2012\t\t\t\t\t\t\t\t\nHeld-for-trading\t7692\t17349\t27195\t2243\t21876\t2015\t78370\t18619\nDesignated as at fair value--\t\t\t123\t86\t610\t54\t873\t516\nAvailable-for-sale\t9774\t19046\t16155\t8861\t23890\t3167\t80893\t30743\nLoans and receivables\t5--\t\t\t365\t3728\t390\t4488\t3707\nLong positions\t17471\t36395\t43473\t11555\t50104\t5626\t164624\t53585\nOf which US agencies-5380\t\t\t--21566\t\t\t0\t26946\t24828\nShort positions (HFT)\t(1538)\t(10658)\t(11355)\t(1036)\t(1595)\t(798)\t(26980)\t(17)\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t1007\t1092\t1187\t110\t660\t120\t4176\t764\nGross unrealised losses-(1)\t\t\t(14)\t(509)\t(1319)\t(4)\t(1847)\t(1817)\n2011\t\t\t\t\t\t\t\t\nHeld-for-trading\t9004\t19636\t36928\t3400\t23160\t2948\t95076\t20816\nDesignated as at fair value\t1-127\t\t\t53\t457\t9\t647\t558\nAvailable-for-sale\t13436\t20848\t25552\t13175\t31752\t2535\t107298\t40735\nLoans and receivables\t10-1\t\t\t312\t5259\t477\t6059\t5200\nLong positions\t22451\t40484\t62608\t16940\t60628\t5969\t209080\t67309\nOf which US agencies-4896\t\t\t--25924\t\t\t0\t30820\t28558\nShort positions (HFT)\t(3098)\t(10661)\t(19136)\t(2556)\t(2854)\t(754)\t(39059)\t(352)\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t1428\t1311\t1180\t52\t913\t94\t4978\t1001\nGross unrealised losses--\t\t\t(171)\t(838)\t(2386)\t(13)\t(3408)\t(3158)\n", "q10k_tbl_221": "Ratings\t\t\t\t\t\t\t\t\nThe table below analyses debt securities by issuer and external ratings. Ratings are based on the lowest of Standard and Poor's Moody's and Fitch.\t\t\t\t\t\t\t\t\n\tCentral and local government\t\t\tOther financial\t\t\t\tOf which\n\tUK US\tOther\tBanks\tinstitutions\tCorporate\tTotal\tTotal\tABS\n2013\t£m £m\t£m\t£m\t£m\t£m%\t£m\t\t£m\nTotal\t\t\t\t\t\t\t\t\nAAA-18\t\t13106\t1434\t8155\t162\t22875\t20\t6796\nAA to AA+\t13210 23812\t7847\t446\t16825\t138\t62278\t55\t21054\nA to AA---\t\t4200\t1657\t1521\t290\t7668\t7\t1470\nBBB- to A---\t\t7572\t3761\t2627\t854\t14814\t13\t4941\nNon-investment grade--\t\t494\t341\t2444\t427\t3706\t3\t2571\nUnrated-2\t\t6\t230\t1647\t397\t2282\t2\t1454\n\t13210 23832\t33225\t7869\t33219\t2268\t113623\t100\t38286\nCore\t\t\t\t\t\t\t\t\nAAA-18\t\t13106\t1434\t7722\t162\t22442\t20\t6391\nAA to AA+\t13210 23812\t7847\t446\t16518\t138\t61971\t55\t20747\nA to AA---\t\t4200\t1657\t1131\t290\t7278\t7\t1080\nBBB- to A---\t\t7572\t3761\t2562\t854\t14749\t13\t4876\nNon-investment grade--\t\t406\t341\t2015\t340\t3102\t3\t2077\nUnrated-2\t\t6\t230\t1407\t372\t2017\t2\t1245\n\t13210 23832\t33137\t7869\t31355\t2156\t111559\t100\t36416\nNon-Core\t\t\t\t\t\t\t\t\nAAA--\t\t--433\t\t\t0\t433\t21\t405\nAA to AA+--\t\t--307\t\t\t0\t307\t15\t307\nA to AA---\t\t--390\t\t\t0\t390\t19\t390\nBBB- to A---\t\t--65\t\t\t0\t65\t3\t65\nNon-investment grade--\t\t88-429\t\t\t87\t604\t29\t494\nUnrated--\t\t--240\t\t\t25\t265\t13\t209\n\t--88\t\t0\t1864\t112\t2064\t100\t1870\n", "q10k_tbl_222": "\tCentral and local government\t\t\tOther financial\t\t\t\tOf which\n\tUK US\tOther\tBanks\tinstitutions\tCorporate\tTotal\tTotal\tABS\n2012\t£m £m\t£m\t£m\t£m\t£m%\t£m\t\t£m\nTotal\t\t\t\t\t\t\t\t\nAAA\t17471 31\t17167\t2304\t11502\t174\t48649\t30\t10758\nAA to AA+-36357\t\t7424\t1144\t26403\t750\t72078\t44\t28775\nA to AA--6\t\t11707\t2930\t3338\t1976\t19957\t12\t2897\nBBB- to A---\t\t6245\t4430\t4217\t1643\t16535\t10\t7394\nNon-investment grade--\t\t928\t439\t3103\t614\t5084\t3\t2674\nUnrated-1\t\t2\t308\t1541\t469\t2321\t1\t1087\n\t17471 36395\t43473\t11555\t50104\t5626\t164624\t100\t53585\nCore\t\t\t\t\t\t\t\t\nAAA\t17471 31\t17161\t2296\t10023\t172\t47154\t30\t9319\nAA to AA+-36283\t\t7419\t1137\t24879\t748\t70466\t45\t27255\nA to AA--6\t\t11707\t2920\t2019\t1968\t18620\t12\t1603\nBBB- to A---\t\t6245\t4430\t3701\t1602\t15978\t10\t6812\nNon-investment grade--\t\t682\t439\t2361\t496\t3978\t2\t2176\nUnrated-1\t\t2\t294\t1297\t338\t1932\t1\t859\n\t17471 36321\t43216\t11516\t44280\t5324\t158128\t100\t48024\nNon-Core\t\t\t\t\t\t\t\t\nAAA--\t\t6\t8\t1479\t2\t1495\t23\t1439\nAA to AA+-74\t\t5\t7\t1524\t2\t1612\t25\t1520\nA to AA---\t\t0\t10\t1319\t8\t1337\t21\t1294\nBBB- to A---\t\t--516\t\t\t41\t557\t8\t582\nNon-investment grade--\t\t246-742\t\t\t118\t1106\t17\t498\nUnrated--\t\t0\t14\t244\t131\t389\t6\t228\n\t- 74\t257\t39\t5824\t302\t6496\t100\t5561\n", "q10k_tbl_223": "\tCentral and local government\t\t\tOther financial\t\t\t\tOf which\n\tUK US\tOther\tBanks\tinstitutions\tCorporate\tTotal\tTotal\tABS\n2011\t£m £m\t£m\t£m\t£m\t£m%\t£m\t\t£m\nTotal\t\t\t\t\t\t\t\t\nAAA\t22451 45\t32522\t5155\t15908\t452\t76533\t37\t17156\nAA to AA+-40435\t\t2000\t2497\t30403\t639\t75974\t36\t33615\nA to AA--1\t\t24966\t6387\t4979\t1746\t38079\t18\t6331\nBBB- to A---\t\t2194\t2287\t2916\t1446\t8843\t4\t4480\nNon-investment grade--\t\t924\t575\t5042\t1275\t7816\t4\t4492\nUnrated-3\t\t2\t39\t1380\t411\t1835\t1\t1235\n\t22451 40484\t62608\t16940\t60628\t5969\t209080\t100\t67309\nCore\t\t\t\t\t\t\t\t\nAAA\t22112 45\t32489\t4601\t13245\t448\t72940\t37\t14534\nAA to AA+-40435\t\t1995\t2434\t28125\t565\t73554\t38\t31323\nA to AA--1\t\t24964\t6302\t3348\t1614\t36229\t18\t4731\nBBB- to A---\t\t2194\t2272\t1727\t1232\t7425\t4\t3188\nNon-investment grade--\t\t723\t559\t2542\t1048\t4872\t2\t2552\nUnrated-3\t\t1\t25\t821\t260\t1110\t1\t785\n\t22112 40484\t62366\t16193\t49808\t5167\t196130\t100\t57113\nNon-Core\t\t\t\t\t\t\t\t\nAAA\t339-33\t\t554\t2663\t4\t3593\t28\t2622\nAA to AA+--\t\t5\t63\t2278\t74\t2420\t19\t2292\nA to AA---\t\t2\t85\t1631\t132\t1850\t14\t1600\nBBB- to A---\t\t0\t15\t1189\t214\t1418\t11\t1292\nNon-investment grade--\t\t201\t16\t2500\t227\t2944\t23\t1940\nUnrated--\t\t1\t14\t559\t151\t725\t5\t450\n\t339-242\t\t747\t10820\t802\t12950\t100\t10196\n", "q10k_tbl_224": "\tUS\tUK\tEurope\tRoW Total\tHFT\tDFV AFS\tLAR\n2013\t£m\t£m\t£m\t£m £m\t£m\t£m £m\t£m\nGross exposure\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\nsimilar\t14886-2491\t\t\t- 17377\t7088-10289\t\t0\nRMBS: prime\t1608\t1694\t806\t99 4207\t777\t15 3392\t23\nRMBS: non-conforming\t446\t1859\t49-2354\t\t165-960\t\t1229\nRMBS: sub-prime\t818\t86\t59-963\t\t871--\t\t92\nMBS: covered bond\t47\t176\t4489-4712\t\t--4712\t\t0\nCMBS\t3598\t689\t254\t1 4542\t858-3124\t\t560\nCDOs\t1835\t32\t277-2144\t\t1602\t21 511\t10\nCLOs\t907\t36\t652-1595\t\t898-667\t\t30\nABS covered bond--\t\t\t48-48\t\t--48\t\t0\nOther ABS\t1432\t1428\t1045\t40 3945\t1266-1161\t\t1518\n\t25577\t6000\t10170\t140 41887\t13525\t36 24864\t3462\nCarrying value\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\nsimilar\t14870-2403\t\t\t- 17273\t7031-10242\t\t0\nRMBS: prime\t1532\t1696\t775\t99 4102\t713\t15 3351\t23\nRMBS: non-conforming\t379\t1770\t49-2198\t\t128-841\t\t1229\nRMBS: sub-prime\t775\t78\t45-898\t\t806--\t\t92\nMBS: covered bond\t48\t202\t4316-4566\t\t--4566\t\t0\nCMBS\t3523\t558\t127\t1 4209\t602-3077\t\t530\nCDOs\t314\t1\t115-430\t\t98-322\t\t10\nCLOs\t823\t15\t378-1216\t\t552-636\t\t28\nABS covered bond--\t\t\t48-48\t\t--48\t\t0\nOther ABS\t1349\t943\t1015\t39 3346\t744-1091\t\t1511\n\t23613\t5263\t9271\t139 38286\t10674\t15 24174\t3423\nNet exposure\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\nsimilar\t14869-2403\t\t\t- 17272\t7031-10241\t\t0\nRMBS: prime\t1528\t1694\t771\t99 4092\t702\t15 3352\t23\nRMBS: non-conforming\t348\t1761\t49-2158\t\t90-839\t\t1229\nRMBS: sub-prime\t569\t78\t45-692\t\t600--\t\t92\nMBS: covered bond\t48\t202\t4316-4566\t\t--4566\t\t0\nCMBS\t3247\t558\t127\t1 3933\t325-3076\t\t532\nCDOs\t36\t1\t115-152\t\t90-52\t\t10\nCLOs\t474\t15\t373-862\t\t493-341\t\t28\nABS covered bond--\t\t\t48-48\t\t--48\t\t0\nOther ABS\t1253\t922\t1015\t39 3229\t628-1091\t\t1510\n\t22372\t5231\t9262\t139 37004\t9959\t15 23606\t3424\n", "q10k_tbl_225": "\tUS\tUK\tEurope\tRoW\tTotal\tHFT\tDFV AFS\tLAR\n2012\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\nGross exposure\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t22162-5366\t\t\t18\t27546\t13961-13585\t\t0\nRMBS: prime\t819\t2821\t1181\t403\t5224\t753\t509 3876\t86\nRMBS: non-conforming\t595\t2077\t58-2730\t\t\t202-1235\t\t1293\nRMBS: sub-prime\t968\t99\t66\t5\t1138\t1027-5\t\t106\nMBS: covered bond\t46\t172\t6129-6347\t\t\t--6347\t\t0\nCMBS\t3352\t1121\t671\t3\t5147\t1992-2327\t\t828\nCDOs\t4002\t42\t404-4448\t\t\t3111-1307\t\t30\nCLOs\t2705\t44\t787-3536\t\t\t1049-2422\t\t65\nABS covered bond-132\t\t\t374\t16\t522--\t\t522\t0\nOther ABS\t1632\t1873\t1111\t306\t4922\t1667\t7 1774\t1474\n\t36281\t8381\t16147\t751\t61560\t23762\t516 33400\t3882\nCarrying value\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t22460-4879\t\t\t18\t27357\t13959-13398\t\t0\nRMBS: prime\t717\t2552\t912\t390\t4571\t569\t509 3420\t73\nRMBS: non-conforming\t477\t1918\t58-2453\t\t\t150-1009\t\t1294\nRMBS: sub-prime\t660\t73\t46\t5\t784\t682--\t\t102\nMBS: covered bond\t48\t204\t5478-5730\t\t\t--5730\t\t0\nCMBS\t3274\t821\t425\t3\t4523\t1489-2284\t\t750\nCDOs\t480\t22\t218-720\t\t\t104-589\t\t27\nCLOs\t2550\t12\t464-3026\t\t\t697-2266\t\t63\nABS covered bond-137\t\t\t380\t16\t533--\t\t533\t0\nOther ABS\t1401\t1263\t929\t295\t3888\t969\t7 1514\t1398\n\t32067\t7002\t13789\t727\t53585\t18619\t516 30743\t3707\nNet exposure\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t22460-4879\t\t\t18\t27357\t13959-13398\t\t0\nRMBS: prime\t513\t2549\t911\t383\t4356\t554\t509 3221\t72\nRMBS: non-conforming\t277\t1908\t58-2243\t\t\t110-839\t\t1294\nRMBS: sub-prime\t417\t73\t46\t4\t540\t439--\t\t101\nMBS: covered bond\t48\t204\t5478-5730\t\t\t--5730\t\t0\nCMBS\t2535\t821\t425\t3\t3784\t750-2284\t\t750\nCDOs\t162\t22\t212\t1\t397\t79-290\t\t28\nCLOs\t879\t12\t459-1350\t\t\t639-648\t\t63\nABS covered bond-137\t\t\t380\t16\t533--\t\t533\t0\nOther ABS\t1257\t1170\t929\t163\t3519\t601\t7 1513\t1398\n\t28548\t6896\t13777\t588\t49809\t17131\t516 28456\t3706\n", "q10k_tbl_226": "\tUS\tUK\tEurope\tRoW\tTotal\tHFT DFV\tAFS\tLAR\n2011\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\nGross exposure\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t27549-5884\t\t\t2\t33435\t15031-18404\t\t0\nRMBS: prime\t1201\t3487\t1541\t484\t6713\t1090 567\t4977\t79\nRMBS: non-conforming\t1220\t2197\t74-3491\t\t\t717-1402\t\t1372\nRMBS: sub-prime\t1847\t427\t94\t2\t2370\t2183-22\t\t165\nMBS: covered bond\t133\t203\t8256-8592\t\t\t--8592\t\t0\nCMBS\t1623\t1562\t883\t1\t4069\t2001-862\t\t1206\nCDOs\t7889\t72\t469-8430\t\t\t4455-3885\t\t90\nCLOs\t5019\t156\t1055-6230\t\t\t1294-4734\t\t202\nABS covered bond\t21\t71\t948\t4\t1044--\t\t1044\t0\nOther ABS\t2085\t1844\t1746\t992\t6667\t1965 17\t2389\t2296\n\t48587\t10019\t20950\t1485\t81041\t28736 584\t46311\t5410\nCarrying value\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t28022-5549\t\t\t2\t33573\t15132-18441\t\t0\nRMBS: prime\t1035\t3038\t1206\t466\t5745\t872 558\t4243\t72\nRMBS: non-conforming\t708\t1897\t74-2679\t\t\t327-980\t\t1372\nRMBS: sub-prime\t686\t144\t72\t2\t904\t737-9\t\t158\nMBS: covered bond\t136\t209\t7175-7520\t\t\t--7520\t\t0\nCMBS\t1502\t1253\t635\t1\t3391\t1513-716\t\t1162\nCDOs\t1632\t31\t294-1957\t\t\t315-1555\t\t87\nCLOs\t4524\t98\t719-5341\t\t\t882-4280\t\t179\nABS covered bond\t19\t70\t953\t4\t1046--\t\t1046\t0\nOther ABS\t1715\t947\t1525\t966\t5153\t1038-1945\t\t2170\n\t39979\t7687\t18202\t1441\t67309\t20816 558\t40735\t5200\nNet exposure\t\t\t\t\t\t\t\t\nRMBS: government sponsored or\t\t\t\t\t\t\t\t\nsimilar\t28022-5549\t\t\t2\t33573\t15132-18441\t\t0\nRMBS: prime\t825\t3456\t1005\t458\t5744\t447 557\t4668\t72\nRMBS: non-conforming\t677\t2225\t74-2976\t\t\t284-1320\t\t1372\nRMBS: sub-prime\t385\t138\t67\t2\t592\t434--\t\t158\nMBS: covered bond\t136\t209\t7175-7520\t\t\t--7520\t\t0\nCMBS\t860\t1253\t543\t1\t2657\t777-718\t\t1162\nCDOs\t1030\t31\t294-1355\t\t\t304-964\t\t87\nCLOs\t1367\t98\t712-2177\t\t\t827-1171\t\t179\nABS covered bond\t19\t70\t952\t4\t1045--\t\t1045\t0\nOther ABS\t1456\t843\t1527\t804\t4630\t617-1941\t\t2071\n\t34777\t8323\t17898\t1271\t62269\t18822 557\t37788\t5101\n", "q10k_tbl_227": "\tRMBS\t\t\t\t\t\t\t\t\t\n\tGovernment\t\t\t\tMBS\t\t\t\tABS\t\n\tsponsored\t\tNon-\t\tcovered\t\t\t\tcovered Other\t\n\tor similar (1)\tPrime\tconforming\tSub-prime\tbond\tCMBS\tCDOs\tCLOs\tbond ABS\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\nAAA\t871\t2974\t790\t24\t145\t165\t66\t313-1448\t\t6796\nAA to AA+\t16226\t192\t634\t28\t216\t3224-309\t\t\t48 177\t21054\nA to AA-\t158\t151\t227\t34\t48\t60\t60\t167-565\t\t1470\nBBB- to A-\t13\t126\t162\t95\t3806\t102\t25\t165-447\t\t4941\nNon-investment grade (2)\t5\t559\t369\t492\t351\t160\t258\t144-233\t\t2571\nUnrated (3)-100\t\t\t16\t225-498\t\t\t21\t118-476\t\t1454\n\t17273\t4102\t2198\t898\t4566\t4209\t430\t1216\t48 3346\t38286\nOf which in Non-Core-42\t\t\t288\t164-18\t\t\t331\t569-458\t\t1870\n2012\t\t\t\t\t\t\t\t\t\t\nAAA\t2454\t2854\t1487\t11\t639\t396\t92\t1181\t165 1479\t10758\nAA to AA+\t23692\t613\t88\t26\t102\t2551\t7\t887\t340 469\t28775\nA to AA-\t201\t302\t275\t33\t155\t808\t74\t146\t20 883\t2897\nBBB- to A-\t990\t53\t141\t86\t4698\t441\t32\t291\t8 654\t7394\nNon-investment grade (2)\t20\t641\t454\t330\t136\t304\t421\t133-235\t\t2674\nUnrated (3)-108\t\t\t8\t298-23\t\t\t94\t388-168\t\t1087\n\t27357\t4571\t2453\t784\t5730\t4523\t720\t3026\t533 3888\t53585\nOf which in Non-Core-651\t\t\t404\t154-780\t\t\t494\t2228-850\t\t5561\n2011\t\t\t\t\t\t\t\t\t\t\nAAA\t4169\t3599\t1488\t105\t2595\t647\t135\t2171\t625 1622\t17156\nAA to AA+\t29252\t669\t106\t60\t379\t710\t35\t1533\t321 550\t33615\nA to AA-\t131\t506\t110\t104\t2567\t1230\t161\t697\t100 725\t6331\nBBB- to A--39\t\t\t288\t93\t1979\t333\t86\t341-1321\t\t4480\nNon-investment grade (2)\t21\t784\t658\t396-415\t\t\t1370\t176-672\t\t4492\nUnrated (3)-148\t\t\t29\t146-56\t\t\t170\t423-263\t\t1235\n\t33573\t5745\t2679\t904\t7520\t3391\t1957\t5341\t1046 5153\t67309\nOf which in Non-Core-837\t\t\t477\t308-830\t\t\t1656\t4227-1861\t\t10196\n", "q10k_tbl_228": "\t2013\t\t\t\t\t\t\t\t\t\n\tHFT\t\t\t\t\tAFS/DFV (1)\t\t\t\t\n\t\tOther financial\t\t\tHFT short\t\tOther financial\t\t\tAFS\n\tBanks\tinstitutions (2)\tCorporate\tTotal\tpositions\tBanks\tinstitutions (2) Corporate\tTotal Total\treserves\nCountries\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\nSpain\t4-56\t\t\t60\t(2)\t--60\t\t60\t120\t(6)\nIreland-73\t\t\t22\t95\t0\t0\t7 2\t9\t104\t0\nItaly\t7\t1\t26\t34\t(1)\t0\t5-5\t\t39\t0\nPortugal--\t\t\t4\t4\t0\t---\t\t0\t4\t0\nGreece--\t\t\t1\t1\t0\t---\t\t0\t1\t0\nEurozone periphery\t11\t74\t109\t194\t(3)\t0\t12 62\t74\t268\t(6)\nNetherlands\t1\t141\t401\t543\t(2)\t--45\t\t45\t588\t(18)\nFrance\t3\t6\t130\t139\t(2)\t4-147\t\t151\t290\t30\nLuxembourg-234\t\t\t35\t269\t(34)\t--2\t\t2\t271\t0\nGermany\t9\t42\t181\t232\t(20)\t---\t\t0\t232\t0\nOther\t11\t18\t117\t146\t(17)\t4\t3-7\t\t153\t1\nTotal eurozone\t35\t515\t973\t1523\t(78)\t8\t15 256\t279\t1802\t7\nUS\t20\t433\t1088\t1541\t(31)\t165\t607 36\t808\t2349\t12\nUK\t135\t154\t1362\t1651\t(97)\t0\t222 198\t420\t2071\t79\nJapan\t9\t295\t686\t990\t(8)\t0\t1-1\t\t991\t0\nChina\t148\t45\t163\t356\t0\t---\t\t0\t356\t0\nAustralia\t75\t50\t83\t208\t0\t0\t1 4\t5\t213\t0\nSwitzerland\t10\t11\t78\t99\t(8)\t0\t47-47\t\t146\t40\nHong Kong\t2\t56\t73\t131\t0\t--7\t\t7\t138\t5\nRussia\t13\t3\t88\t104\t0\t---\t\t0\t104\t0\nOther\t68\t83\t445\t596\t(37)\t--45\t\t45\t641\t6\nTotal\t515\t1645\t5039\t7199\t(259)\t173\t893 546\t1612\t8811\t149\nFor the notes to this table refer to page 290.\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_229": "\t2012\t\t\t\t\t\t\t\t\t\t\n\tHFT\t\t\t\t\tAFS/DFV (1)\t\t\t\t\t\n\t\tOther financial\t\t\tHFT short\t\tOther financial\t\t\t\tAFS\n\tBanks\tinstitutions (2)\tCorporate\tTotal\tpositions\tBanks\tinstitutions (2)\tCorporate\tTotal\tTotal\treserves\nCountries\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSpain\t18-51\t\t\t69\t0\t--92\t\t\t92\t161\t(41)\nIreland-126\t\t\t47\t173\t(3)\t0\t17-17\t\t\t190\t0\nItaly\t7\t1\t33\t41\t(15)\t0\t5-5\t\t\t46\t0\nPortugal--\t\t\t5\t5\t0\t---\t\t\t0\t5\t0\nGreece--\t\t\t6\t6\t0\t---\t\t\t0\t6\t0\nEurozone periphery\t25\t127\t142\t294\t(18)\t0\t22\t92\t114\t408\t(41)\nNetherlands\t20\t157\t465\t642\t(21)\t0\t40\t156\t196\t838\t(19)\nFrance\t10\t75\t103\t188\t(10)\t0\t1\t143\t144\t332\t23\nLuxembourg\t14\t196\t46\t256\t(1)\t0\t6\t34\t40\t296\t1\nGermany\t33\t1\t106\t140\t(54)\t---\t\t\t0\t140\t0\nOther\t18\t26\t116\t160\t(15)\t0\t3-3\t\t\t163\t1\nTotal eurozone\t120\t582\t978\t1680\t(119)\t0\t72\t425\t497\t2177\t(35)\nUS\t208\t619\t2645\t3472\t(132)\t307\t419\t18\t744\t4216\t7\nUK\t372\t144\t2483\t2999\t(35)\t35\t70\t320\t425\t3424\t73\nJapan\t24\t67\t973\t1064\t(1)\t0\t2-2\t\t\t1066\t0\nChina\t331\t147\t357\t835\t(3)\t0\t14\t3\t17\t852\t7\nAustralia\t77\t45\t159\t281\t(17)\t---\t\t\t0\t281\t0\nSwitzerland\t4-71\t\t\t75\t(13)\t0\t34-34\t\t\t109\t31\nHong Kong\t2\t81\t97\t180\t0\t--4\t\t\t4\t184\t2\nRussia\t16\t4\t158\t178\t0\t---\t\t\t0\t178\t0\nOther\t147\t367\t2051\t2565\t(291)\t0\t5\t180\t185\t2750\t(1)\nTotal\t1301\t2056\t9972\t13329\t(611)\t342\t616\t950\t1908\t15237\t84\nFor the notes to this table refer to the following page.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_230": "\t2011\t\t\t\t\t\t\t\t\t\t\n\tHFT\t\t\t\t\tAFS/DFV (1)\t\t\t\t\t\n\t\tOther financial\t\t\tHFT short\t\tOther financial\t\t\t\tAFS\n\tBanks\tinstitutions (2)\tCorporate\tTotal\tpositions\tBanks\tinstitutions\tCorporate\tTotal\tTotal\treserves\nCountries\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSpain\t55\t2\t11\t68\t(16)\t--136\t\t\t136\t204\t(4)\nIreland-7\t\t\t208\t215\t(4)\t0\t6-6\t\t\t221\t0\nItaly\t11\t1\t51\t63\t(4)\t0\t5-5\t\t\t68\t0\nPortugal--\t\t\t0\t0\t(1)\t--5\t\t\t5\t5\t0\nGreece-1\t\t\t1\t2\t(22)\t--1\t\t\t1\t3\t0\nEurozone periphery\t66\t11\t271\t348\t(47)\t0\t11\t142\t153\t501\t(4)\nNetherlands\t1\t67\t646\t714\t(82)\t0\t55\t25\t80\t794\t(76)\nFrance\t12\t15\t90\t117\t(62)\t3\t2\t124\t129\t246\t20\nLuxembourg-201\t\t\t88\t289\t0\t383\t3\t2\t388\t677\t17\nGermany\t23\t4\t114\t141\t(186)\t---\t\t\t0\t141\t0\nOther\t20\t22\t106\t148\t(68)\t0\t16\t1\t17\t165\t10\nTotal eurozone\t122\t320\t1315\t1757\t(445)\t386\t87\t294\t767\t2524\t(33)\nUS\t120\t97\t1391\t1608\t(544)\t323\t575\t103\t1001\t2609\t128\nUK\t420\t207\t2582\t3209\t(145)\t33\t225\t267\t525\t3734\t40\nJapan\t43\t82\t1289\t1414\t(3)\t0\t1-1\t\t\t1415\t0\nChina\t510\t228\t637\t1375\t(6)\t0\t13-13\t\t\t1388\t4\nAustralia\t95\t82\t405\t582\t(219)\t0\t8\t15\t23\t605\t2\nSwitzerland\t10\t8\t234\t252\t(44)\t--15\t\t\t15\t267\t14\nHong Kong\t10\t45\t100\t155\t(2)\t--3\t\t\t3\t158\t(2)\nRussia\t30-215\t\t\t245\t(2)\t---\t\t\t0\t245\t0\nOther\t116\t457\t1268\t1841\t(570)\t0\t66\t336\t402\t2243\t14\nTotal\t1476\t1526\t9436\t12438\t(1980)\t742\t975\t1033\t2750\t15188\t167\n", "q10k_tbl_231": "\t2013\t\t\t\t\t2012\t\t2011\t\n\tNotional (1)\t\t\t\t\t\t\t\t\n\tGBP USD\tEuro Other\tTotal\tAssets\tLiabilities\tNotional (1) Assets\tLiabilities\tNotional (1) Assets\tLiabilities\nDerivatives\t£bn £bn\t£bn £bn\t£bn\t£m\t£m\t£bn £m\t£m\t£bn £m\t£m\nInterest rate (2)\t5401 10583\t13695 5910\t35589\t218041\t208698\t33483 363454\t345565\t38727 422553\t406784\nExchange rate\t362 1982\t628 1583\t4555\t61923\t65749\t4698 63067\t70481\t4482 74526\t81022\nCredit\t2 166\t66 19\t253\t5306\t5388\t553 11005\t10353\t1054 26836\t26743\nEquity and commodity\t29 27\t17 8\t81\t2770\t5692\t111 4392\t7941\t123 6142\t9560\n\t\t\t\t288040\t285527\t441918\t434340\t530057\t524109\nCounterparty mtm netting\t\t\t\t(242836)\t(242836)\t(373906)\t(373906)\t(441626)\t(441626)\nCash collateral\t\t\t\t(24288)\t(20429)\t(34099)\t(24633)\t(37222)\t(31368)\nSecurities collateral\t\t\t\t(5990)\t(5202)\t(5616)\t(8264)\t(5312)\t(8585)\n\t\t\t\t14926\t17060\t28297\t27537\t45897\t42530\nof which:\t\t\t\t\t\t\t\t\t\nBanks\t\t\t\t1243\t6121\t\t\t\t\nOther financial institutions\t\t\t\t2166\t2416\t\t\t\t\nCorporate\t\t\t\t10341\t4778\t\t\t\t\nGovernment\t\t\t\t1176\t3745\t\t\t\t\n\t\t\t\t14926\t17060\t\t\t\t\n", "q10k_tbl_232": "Asset quality of uncollateralised derivative assets\t£m\nAQ1\t8647\nAQ2\t252\nAQ3\t1713\nAQ4\t778\nAQ5\t885\nAQ6\t882\nAQ7\t782\nAQ8\t124\nAQ9\t184\nAQ10\t679\n\t14926\n", "q10k_tbl_233": "\tNotional\t\t\tAsset\t\tLiability\t\n\t\tTraded over the counter\t\t\t\t\t\n\tTraded on\tNot settled\t\tTraded on\tTraded\tTraded on\tTraded\n\trecognised\tSettled by central by central\t\trecognised\tover the\trecognised\tover the\n\texchanges\tcounterparties counterparties\tTotal\texchanges\tcounter\texchanges\tcounter\n2013\t£bn\t£bn £bn\t£bn\t£m\t£m\t£m\t£m\nInterest rate\t2203\t22565 10821\t35589\t65\t217976\t79\t208619\nExchange rate\t94\t2 4459\t4555\t0\t61923\t0\t65749\nCredit-30\t\t223\t253\t0\t5306\t0\t5388\nEquity and commodity-1\t\t80\t81\t4\t2766\t220\t5472\n2012\t\t\t\t\t\t\t\nInterest rate\t2388\t15864 15231\t33483\t13\t363441\t55\t345510\nExchange rate\t108-4590\t\t4698\t0\t63067\t0\t70481\nCredit--\t\t553\t553\t0\t11005\t0\t10353\nEquity and commodity\t1-110\t\t111\t28\t4364\t200\t7741\n2011\t\t\t\t\t\t\t\nInterest rate\t2653\t16377 19697\t38727\t3\t422550\t5\t406779\nExchange rate\t110-4372\t\t4482\t0\t74526\t0\t81022\nCredit--\t\t1054\t1054\t0\t26836\t0\t26743\nEquity and commodity\t2-121\t\t123\t115\t6027\t423\t9137\n", "q10k_tbl_234": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\nGroup\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nClient-led trading and residual risk\t124.7\t111.7\t1.2\t1.5\t250.7\t240.7\t3.4\t3.1\t401.0\t390.5\t17.0\t16.5\nCredit hedging - banking book (1)\t2.3\t0.2\t0.2\t0\t5.4\t0.4\t0.1\t0\t15.6\t4.7\t0.1\t0.1\nCredit hedging - trading book\t\t\t\t\t\t\t\t\t\t\t\t\n- rates\t5.1\t4.0\t0.1\t0.1\t9.4\t5.8\t0.1\t0.1\t21.2\t17.1\t0.9\t1.7\n- credit and mortgage markets\t2.2\t1.3\t0.5\t0.3\t22.4\t16.0\t0.9\t0.7\t42.9\t28.4\t2.3\t1.7\n- other\t0.8\t0.1\t0\t0\t1.4\t0.6\t0\t0\t0.9\t0.1\t0\t0\nTotal excluding APS\t135.1\t117.3\t2.0\t1.9\t289.3\t263.5\t4.5\t3.9\t481.6\t440.8\t20.3\t20.0\nAPS--\t\t\t0\t0\t0\t0\t0\t0\t131.8\t0\t(0.2)\t0\n\t135.1\t117.3\t2.0\t1.9\t289.3\t263.5\t4.5\t3.9\t613.4\t440.8\t20.1\t20.0\nCore\t\t\t\t\t\t\t\t\t\t\t\t\nClient-led trading\t103.9\t99.1\t1.1\t1.3\t231.4\t228.4\t3.0\t2.7\t371.0\t369.4\t14.6\t14.0\nCredit hedging - banking book\t1.3\t0\t0\t0\t1.7\t0\t0\t0\t2.2\t1.0\t0\t0.1\nCredit hedging - trading book\t\t\t\t\t\t\t\t\t\t\t\t\n- rates\t4.4\t3.5\t0.1\t0.1\t7.8\t4.6\t0.1\t0.1\t19.9\t16.2\t0.9\t1.7\n- credit and mortgage markets\t0.2\t0\t0\t0\t13.9\t13.6\t0.2\t0.2\t4.6\t4.0\t0.3\t0.2\n- other\t0.7\t0.1\t0\t0\t1.3\t0.5\t0\t0\t0.7\t0.1\t0\t0\n\t110.5\t102.7\t1.2\t1.4\t256.1\t247.1\t3.3\t3.0\t398.4\t390.7\t15.8\t16.0\nNon-Core\t\t\t\t\t\t\t\t\t\t\t\t\nResidual risk\t20.8\t12.6\t0.1\t0.2\t19.3\t12.3\t0.4\t0.4\t30.0\t21.1\t2.4\t2.5\nCredit hedging - banking book (1)\t1.0\t0.2\t0.2\t0\t3.7\t0.4\t0.1\t0\t13.4\t3.7\t0.1\t0\nCredit hedging - trading book\t\t\t\t\t\t\t\t\t\t\t\t\n- rates\t0.7\t0.5\t0\t0\t1.6\t1.2\t0\t0\t1.3\t0.9\t0\t0\n- credit and mortgage markets\t2.0\t1.3\t0.5\t0.3\t8.5\t2.4\t0.7\t0.5\t38.3\t24.4\t2.0\t1.5\n- other\t0.1\t0\t0\t0\t0.1\t0.1\t0\t0\t0.2\t0\t0\t0\n\t24.6\t14.6\t0.8\t0.5\t33.2\t16.4\t1.2\t0.9\t83.2\t50.1\t4.5\t4.0\nBy counterparty\t\t\t\t\t\t\t\t\t\t\t\t\nCentral government (APS)--\t\t\t0\t0\t0\t0\t0\t0\t131.8\t0\t(0.2)\t0\nMonoline insurers\t1.6\t0\t0.1\t0\t4.6\t0\t0.4\t0\t8.6\t0\t0.6\t0\nCDPCs (2)\t18.8\t0\t0.1\t0\t21.0\t0\t0.2\t0\t24.5\t0\t0.9\t0\nBanks\t49.3\t55.7\t1.2\t1.9\t127.2\t128.6\t2.3\t2.8\t204.1\t202.1\t8.5\t10.2\nOther financial institutions\t64.7\t61.6\t0.4\t0\t135.8\t134.9\t1.4\t1.1\t234.8\t231.6\t10.5\t9.5\nCorporates\t0.7\t0\t0.2\t0\t0.7\t0\t0.2\t0\t9.6\t7.1\t(0.2)\t0.3\n\t135.1\t117.3\t2.0\t1.9\t289.3\t263.5\t4.5\t3.9\t613.4\t440.8\t20.1\t20.0\n", "q10k_tbl_235": "\t\tFair value:\t\t\t\t\t\n\tNotional:\treference\t\tCredit\t\t\t\n\tprotected\tprotected\tGross\tvaluation\t\tNet\tCounterparty and\n\tassets\tassets\texposure\tadjustment\tHedges\texposure\tcredit risk RWAs\n\t£m\t£m\t£m\t£m\t£m\t£m\t£bn\n2013\t1646\t1454\t192\t59-133\t\t\t0.8\n2012\t4582\t4021\t561\t192\t12\t357\t1.2\n2011\t8562\t6674\t1888\t1198\t71\t619\t3.6\n", "q10k_tbl_236": "\t\tFair value:\t\t\t\t\n\tNotional:\treference\t\tCredit\t\t\n\tprotected\tprotected\tGross\tvaluation\tNet\tCounterparty and\n\tassets\tassets\texposure\tadjustment\texposure\tcredit risk RWAs\n\t£m\t£m\t£m\t£m\t£m\t£bn\n2013\t18827\t18729\t98\t40\t58\t0.7\n2012\t20989\t20435\t554\t314\t240\t2.0\n2011\t24504\t22608\t1896\t1034\t862\t8.4\n", "q10k_tbl_237": "\t\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\t\tREIL as a %\tProvisions\tImpairment charge\t\t\n\tGross loans to\t\t\t\tof gross loans\tas a %\t\tOf which\tAmounts\n\tBanks\tCustomers\tREIL\tProvisions\tto customers\tof REIL\tTotal\tRCR (1)\twritten-off\n2013\t£m\t£m\t£m%\t£m%\t\t\t£m\t£m*\t£m\nUK Retail\t760\t113152\t3566\t2106\t3.2\t59\t319-815\t\t\nUK Corporate\t701\t102547\t6226\t2833\t6.1\t46\t1188\t410\t772\nWealth\t1531\t16764\t277\t120\t1.7\t43\t29-15\t\t\nInternational Banking\t7971\t35993\t470\t325\t1.3\t69\t219\t52\t281\nUlster Bank\t591\t31446\t8466\t5378\t26.9\t64\t1774\t892\t277\nUS Retail & Commercial\t406\t50551\t1034\t272\t2.0\t26\t151-284\t\t\nRetail & Commercial\t11960\t350453\t20039\t11034\t5.7\t55\t3680\t1354\t2444\nMarkets\t12579\t25455\t338\t286\t1.3\t85\t21\t18\t46\nOther\t2670\t5126\t1\t66-nm\t\t\t65--\t\t\nCore\t27209\t381034\t20378\t11386\t5.3\t56\t3766\t1372\t2490\nNon-Core\t431\t36718\t19014\t13839\t51.8\t73\t4646\t3118\t1856\nGroup\t27640\t417752\t39392\t25225\t9.4\t64\t8412\t4490\t4346\n", "q10k_tbl_238": "\t\t\t\t\tCredit metrics\t\t\t\n\t\t\t\t\tREIL as a %\tProvisions\t\t\n\tGross loans to\t\t\t\tof gross loans\tas a %\tImpairment\tAmounts\n\tBanks\tCustomers\tREIL\tProvisions\tto customers\tof REIL\tcharge\twritten-off\n2012\t£m\t£m\t£m%\t£m%\t\t\t£m\t£m\nUK Retail\t695\t113599\t4569\t2629\t4.0\t58\t529\t599\nUK Corporate\t746\t107025\t5452\t2432\t5.1\t45\t836\t514\nWealth\t1545\t17074\t248\t109\t1.5\t44\t46\t15\nInternational Banking\t4827\t42342\t422\t391\t1.0\t93\t111\t445\nUlster Bank\t632\t32652\t7533\t3910\t23.1\t52\t1364\t72\nUS Retail & Commercial\t435\t51271\t1146\t285\t2.2\t25\t83\t391\nRetail & Commercial\t8880\t363963\t19370\t9756\t5.3\t50\t2969\t2036\nMarkets\t16805\t29787\t396\t305\t1.3\t77\t25\t109\nOther\t3196\t2125-1\t\t\t--1\t\t\t0\nCore\t28881\t395875\t19766\t10062\t5.0\t51\t2995\t2145\nNon-Core\t477\t56343\t21374\t11200\t37.9\t52\t2320\t2121\nDirect Line Group\t2036\t881--\t\t\t---\t\t\t0\nGroup\t31394\t453099\t41140\t21262\t9.1\t52\t5315\t4266\n", "q10k_tbl_239": "2011\t\t\t\t\t\t\t\t\nUK Retail\t628\t110659\t4599\t2679\t4.2\t58\t788\t823\nUK Corporate\t806\t110729\t5001\t2061\t4.5\t41\t790\t658\nWealth\t2422\t16913\t211\t81\t1.2\t38\t25\t11\nInternational Banking\t3411\t57729\t1632\t851\t2.8\t52\t168\t125\nUlster Bank\t2079\t34052\t5523\t2749\t16.2\t50\t1384\t124\nUS Retail & Commercial\t208\t51562\t1007\t455\t2.0\t45\t248\t373\nRetail & Commercial\t9554\t381644\t17973\t8876\t4.7\t49\t3403\t2114\nMarkets\t29991\t31490\t414\t311\t1.3\t75-23\t\t\nOther\t1270\t56--\t\t\t---\t\t\t0\nCore\t40815\t413190\t18387\t9187\t4.5\t50\t3403\t2137\nNon-Core\t706\t80005\t24007\t11487\t30.0\t48\t3838\t2390\nDirect Line Group\t2559\t873--\t\t\t---\t\t\t0\nGroup\t44080\t494068\t42394\t20674\t8.6\t49\t7241\t4527\n", "q10k_tbl_240": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2013\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t8643\t2\t2-100\t\t\t0\t2\t0\nFinance\t35948\t593\t292\t1.6\t49\t0.8\t4\t72\nPersonal - mortgages\t148533\t6025\t1799\t4.1\t30\t1.2\t392\t441\n- unsecured\t28160\t2417\t1909\t8.6\t79\t6.8\t415\t861\nProperty\t62292\t20283\t13189\t32.6\t65\t21.2\t5130\t1642\nConstruction\t6331\t1334\t774\t21.1\t58\t12.2\t291\t160\nManufacturing\t21377\t742\t559\t3.5\t75\t2.6\t195\t104\nFinance leases and instalment credit\t13587\t263\t190\t1.9\t72\t1.4\t16\t121\nRetail wholesale and repairs\t19574\t1187\t783\t6.1\t66\t4.0\t268\t128\nTransport and storage\t16697\t1491\t635\t8.9\t43\t3.8\t487\t229\nHealth education and leisure\t16084\t1324\t756\t8.2\t57\t4.7\t359\t119\nHotels and restaurants\t6942\t1427\t812\t20.6\t57\t11.7\t281\t194\nUtilities\t4960\t131\t80\t2.6\t61\t1.6\t54\t23\nOther\t28624\t2103\t1370\t7.3\t65\t4.8\t489\t212\nLatent\t--2012\t\t\t---\t\t\t44\t0\n\t417752\t39322\t25162\t9.4\t64\t6.0\t8427\t4306\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t110515\t1900\t319\t1.7\t17\t0.3\t39\t180\n- personal lending\t17098\t2052\t1718\t12.0\t84\t10.0\t264\t681\n- property\t44252\t9797\t5190\t22.1\t53\t11.7\t2014\t950\n- construction\t4691\t941\t515\t20.1\t55\t11.0\t194\t159\n- other\t110466\t4684\t3202\t4.2\t68\t2.9\t1091\t537\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t17540\t3155\t1303\t18.0\t41\t7.4\t195\t26\n- personal lending\t1267\t141\t129\t11.1\t91\t10.2\t19\t26\n- property\t13177\t10372\t7951\t78.7\t77\t60.3\t3131\t659\n- construction\t979\t351\t227\t35.9\t65\t23.2\t72\t0\n- other\t22620\t4057\t3498\t17.9\t86\t15.5\t1012\t465\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t19901\t951\t173\t4.8\t18\t0.9\t161\t233\n- personal lending\t8722\t207\t45\t2.4\t22\t0.5\t114\t151\n- property\t4279\t85\t19\t2.0\t22\t0.4\t(11)\t25\n- construction\t313\t34\t24\t10.9\t71\t7.7\t25\t1\n- other\t27887\t198\t589\t0.7\t297\t2.1\t65\t131\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t577\t19\t4\t3.3\t21\t0.7\t(3)\t2\n- personal lending\t1073\t17\t17\t1.6\t100\t1.6\t18\t3\n- property\t584\t29\t29\t5.0\t100\t5.0\t(4)\t8\n- construction\t348\t8\t8\t2.3\t100\t2.3--\t\t\n- other\t11463\t324\t202\t2.8\t62\t1.8\t31\t69\n\t417752\t39322\t25162\t9.4\t64\t6.0\t8427\t4306\nBanks\t27640\t70\t63\t0.3\t90\t0.2\t(15)\t40\n", "q10k_tbl_241": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2012 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t9853--\t\t\t---\t\t\t0\t0\nFinance\t42198\t592\t317\t1.4\t54\t0.8\t145\t380\nPersonal - mortgages\t149625\t6549\t1824\t4.4\t28\t1.2\t948\t461\n- unsecured\t32212\t2903\t2409\t9.0\t83\t7.5\t631\t793\nProperty\t72219\t21223\t9859\t29.4\t46\t13.7\t2212\t1080\nConstruction\t8049\t1483\t640\t18.4\t43\t8.0\t94\t182\nManufacturing\t23787\t755\t357\t3.2\t47\t1.5\t134\t203\nFinance leases and instalment credit\t13609\t442\t294\t3.2\t67\t2.2\t44\t263\nRetail wholesale and repairs\t21936\t1143\t644\t5.2\t56\t2.9\t230\t176\nTransport and storage\t18341\t834\t336\t4.5\t40\t1.8\t289\t102\nHealth education and leisure\t16705\t1190\t521\t7.1\t44\t3.1\t144\t100\nHotels and restaurants\t7877\t1597\t726\t20.3\t45\t9.2\t176\t102\nUtilities\t6631\t118\t21\t1.8\t18\t0.3\t(4)\t0\nOther\t30057\t2177\t1240\t7.2\t57\t4.1\t322\t395\nLatent\t--1960\t\t\t---\t\t\t(73)\t0\n\t453099\t41006\t21148\t9.1\t52\t4.7\t5292\t4237\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t109530\t2440\t457\t2.2\t19\t0.4\t122\t32\n- personal lending\t20498\t2477\t2152\t12.1\t87\t10.5\t479\t610\n- property\t53730\t10521\t3944\t19.6\t37\t7.3\t964\t490\n- construction\t6507\t1165\t483\t17.9\t41\t7.4\t100\t158\n- other\t122029\t3729\t2611\t3.1\t70\t2.1\t674\t823\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t17836\t3092\t1151\t17.3\t37\t6.5\t526\t50\n- personal lending\t1905\t226\t208\t11.9\t92\t10.9\t38\t13\n- property\t14634\t10347\t5766\t70.7\t56\t39.4\t1264\t441\n- construction\t1132\t289\t146\t25.5\t51\t12.9\t(11)\t12\n- other\t27424\t4451\t2996\t16.2\t67\t10.9\t817\t539\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t21929\t990\t208\t4.5\t21\t0.9\t298\t377\n- personal lending\t8748\t199\t48\t2.3\t24\t0.5\t109\t162\n- property\t3343\t170\t29\t5.1\t17\t0.9\t(11)\t83\n- construction\t388\t8\t1\t2.1\t13\t0.3-12\t\t\n- other\t29354\t352\t630\t1.2\t179\t2.1\t(86)\t149\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t330\t27\t8\t8.2\t30\t2.4\t2\t2\n- personal lending\t1061\t1\t1\t0.1\t100\t0.1\t5\t8\n- property\t512\t185\t120\t36.1\t65\t23.4\t(5)\t66\n- construction\t22\t21\t10\t95.5\t48\t45.5\t5\t0\n- other\t12187\t316\t179\t2.6\t57\t1.5\t2\t210\n\t453099\t41006\t21148\t9.1\t52\t4.7\t5292\t4237\nBanks\t31394\t134\t114\t0.4\t85\t0.4\t23\t29\nFor the note to this table refer to page 304.\t\t\t\t\t\t\t\t\n", "q10k_tbl_242": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2011 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t9742--\t\t\t---\t\t\t0\t0\nFinance\t51870\t1062\t726\t2.0\t68\t1.4\t89\t87\nPersonal - mortgages\t149273\t5270\t1396\t3.5\t26\t0.9\t1076\t516\n- unsecured\t34424\t3070\t2456\t8.9\t80\t7.1\t782\t1286\nProperty\t81058\t22101\t8994\t27.3\t41\t11.1\t3669\t1171\nConstruction\t9869\t1943\t761\t19.7\t39\t7.7\t140\t244\nManufacturing\t28639\t913\t525\t3.2\t58\t1.8\t227\t215\nFinance leases and instalment credit\t14499\t794\t508\t5.5\t64\t3.5\t112\t170\nRetail wholesale and repairs\t24378\t1067\t549\t4.4\t51\t2.3\t180\t172\nTransport and storage\t22058\t606\t154\t2.7\t25\t0.7\t78\t43\nHealth education and leisure\t17492\t1192\t502\t6.8\t42\t2.9\t304\t98\nHotels and restaurants\t8870\t1490\t675\t16.8\t45\t7.6\t334\t131\nUtilities\t8406\t88\t23\t1.0\t26\t0.3\t3\t3\nOther\t33490\t2661\t1217\t7.9\t46\t3.6\t792\t391\nLatent\t--2065\t\t\t---\t\t\t(545)\t0\n\t494068\t42257\t20551\t8.6\t49\t4.2\t7241\t4527\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t106388\t2262\t431\t2.1\t19\t0.4\t180\t25\n- personal lending\t22008\t2717\t2209\t12.3\t81\t10.0\t645\t1007\n- property\t60041\t11147\t3837\t18.6\t34\t6.4\t1411\t493\n- construction\t7589\t1427\t560\t18.8\t39\t7.4\t187\t228\n- other\t132548\t4635\t2943\t3.5\t63\t2.2\t514\t655\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t18946\t2205\t713\t11.6\t32\t3.8\t467\t10\n- personal lending\t2464\t209\t180\t8.5\t86\t7.3\t25\t126\n- property\t16384\t10314\t4947\t63.0\t48\t30.2\t2296\t504\n- construction\t1754\t362\t185\t20.6\t51\t10.5\t(62)\t0\n- other\t34497\t4261\t2873\t12.4\t67\t8.3\t1267\t293\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t23237\t770\t240\t3.3\t31\t1.0\t426\t481\n- personal lending\t8441\t143\t66\t1.7\t46\t0.8\t112\t153\n- property\t3783\t329\t92\t8.7\t28\t2.4\t(2)\t139\n- construction\t457\t121\t10\t26.5\t8\t2.2\t9\t16\n- other\t37015\t517\t895\t1.4\t173\t2.4\t(175)\t180\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t702\t33\t12\t4.7\t36\t1.7\t3\t0\n- personal lending\t1511\t1\t1\t0.1\t100\t0.1--\t\t\n- property\t850\t311\t118\t36.6\t38\t13.9\t(36)\t35\n- construction\t69\t33\t6\t47.8\t18\t8.7\t6\t0\n- other\t15384\t460\t233\t3.0\t51\t1.5\t(32)\t182\n\t494068\t42257\t20551\t8.6\t49\t4.2\t7241\t4527\nBanks\t44080\t137\t123\t0.3\t90\t0.3--\t\t\nFor the note to this table refer to page 304.\t\t\t\t\t\t\t\t\n", "q10k_tbl_243": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2013\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t7490\t2\t2-100\t\t\t0\t2\t0\nFinance\t34663\t393\t183\t1.1\t47\t0.5\t25\t27\nPersonal - mortgages\t146600\t5815\t1730\t4.0\t30\t1.2\t353\t328\n- unsecured\t27817\t2326\t1876\t8.4\t81\t6.7\t371\t812\nProperty\t43170\t5582\t2474\t12.9\t44\t5.7\t1347\t465\nConstruction\t5074\t708\t417\t14.0\t59\t8.2\t163\t97\nManufacturing\t20739\t544\t393\t2.6\t72\t1.9\t139\t75\nFinance leases and instalment credit\t10355\t139\t89\t1.3\t64\t0.9\t23\t31\nRetail wholesale and repairs\t18899\t827\t531\t4.4\t64\t2.8\t209\t114\nTransport and storage\t13927\t1050\t432\t7.5\t41\t3.1\t402\t77\nHealth education and leisure\t15481\t871\t491\t5.6\t56\t3.2\t275\t82\nHotels and restaurants\t6238\t810\t474\t13.0\t59\t7.6\t155\t158\nUtilities\t4112\t63\t43\t1.5\t68\t1.0\t65\t23\nOther\t26469\t1179\t800\t4.5\t68\t3.0\t229\t161\nLatent\t--1389\t\t\t---\t\t\t23\t0\n\t381034\t20309\t11324\t5.3\t56\t3.0\t3781\t2450\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t110515\t1900\t319\t1.7\t17\t0.3\t38\t179\n- personal lending\t17074\t2028\t1697\t11.9\t84\t9.9\t258\t675\n- property\t34752\t3103\t1111\t8.9\t36\t3.2\t616\t405\n- construction\t4036\t591\t330\t14.6\t56\t8.2\t123\t96\n- other\t102412\t3308\t2144\t3.2\t65\t2.1\t812\t401\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t17347\t3136\t1285\t18.1\t41\t7.4\t195\t26\n- personal lending\t1198\t133\t128\t11.1\t96\t10.7\t12\t24\n- property\t3953\t2441\t1358\t61.8\t56\t34.4\t746\t52\n- construction\t378\t75\t55\t19.8\t73\t14.6\t13\t0\n- other\t18309\t2214\t2168\t12.1\t98\t11.8\t730\t251\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t18161\t760\t122\t4.2\t16\t0.7\t123\t121\n- personal lending\t8477\t148\t34\t1.7\t23\t0.4\t84\t111\n- property\t4058\t38\t5\t0.9\t13\t0.1\t(15)\t8\n- construction\t312\t34\t24\t10.9\t71\t7.7\t27\t1\n- other\t27722\t188\t408\t0.7\t217\t1.5\t(8)\t72\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t577\t19\t4\t3.3\t21\t0.7\t(3)\t2\n- personal lending\t1068\t17\t17\t1.6\t100\t1.6\t17\t2\n- property\t407--\t\t\t---\t\t\t0\t0\n- construction\t348\t8\t8\t2.3\t100\t2.3--\t\t\n- other\t9930\t168\t107\t1.7\t64\t1.1\t13\t24\n\t381034\t20309\t11324\t5.3\t56\t3.0\t3781\t2450\nBanks\t27209\t69\t62\t0.3\t90\t0.2\t(15)\t40\n", "q10k_tbl_244": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2012 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t8485--\t\t\t---\t\t\t0\t0\nFinance\t39658\t185\t149\t0.5\t81\t0.4\t54\t338\nPersonal - mortgages\t146770\t6229\t1691\t4.2\t27\t1.2\t786\t234\n- unsecured\t30366\t2717\t2306\t8.9\t85\t7.6\t568\t718\nProperty\t43602\t4672\t1674\t10.7\t36\t3.8\t748\t214\nConstruction\t6020\t757\t350\t12.6\t46\t5.8\t119\t60\nManufacturing\t22234\t496\t225\t2.2\t45\t1.0\t118\t63\nFinance leases and instalment credit\t9201\t159\t107\t1.7\t67\t1.2\t35\t41\nRetail wholesale and repairs\t20842\t791\t439\t3.8\t55\t2.1\t181\t129\nTransport and storage\t14590\t440\t112\t3.0\t25\t0.8\t72\t21\nHealth education and leisure\t15770\t761\t299\t4.8\t39\t1.9\t109\t67\nHotels and restaurants\t6891\t1042\t473\t15.1\t45\t6.9\t138\t56\nUtilities\t5131\t10\t5\t0.2\t50\t0.1--\t\t\nOther\t26315\t1374\t794\t5.2\t58\t3.0\t189\t175\nLatent\t--1325\t\t\t---\t\t\t(145)\t0\n\t395875\t19633\t9949\t5.0\t51\t2.5\t2972\t2116\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t109511\t2440\t457\t2.2\t19\t0.4\t122\t32\n- personal lending\t19562\t2454\t2133\t12.5\t87\t10.9\t474\t594\n- property\t35532\t2777\t896\t7.8\t32\t2.5\t395\t181\n- construction\t5101\t671\t301\t13.2\t45\t5.9\t109\t47\n- other\t108713\t2662\t1737\t2.4\t65\t1.6\t499\t379\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t17446\t3060\t1124\t17.5\t37\t6.4\t521\t24\n- personal lending\t1540\t143\t138\t9.3\t97\t9.0\t29\t11\n- property\t4896\t1652\t685\t33.7\t41\t14.0\t350\t6\n- construction\t513\t60\t39\t11.7\t65\t7.6\t4\t10\n- other\t22218\t2280\t1711\t10.3\t75\t7.7\t362\t267\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t19483\t702\t102\t3.6\t15\t0.5\t141\t176\n- personal lending\t8209\t119\t34\t1.4\t29\t0.4\t65\t112\n- property\t2847\t112\t13\t3.9\t12\t0.5\t3\t27\n- construction\t384\t5-1.3\t\t\t--1\t\t\t3\n- other\t28267\t252\t432\t0.9\t171\t1.5\t(111)\t90\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t330\t27\t8\t8.2\t30\t2.4\t2\t2\n- personal lending\t1055\t1\t1\t0.1\t100\t0.1-1\t\t\n- property\t327\t131\t80\t40.1\t61\t24.5--\t\t\n- construction\t22\t21\t10\t95.5\t48\t45.5\t5\t0\n- other\t9919\t64\t48\t0.6\t75\t0.5\t1\t154\n\t395875\t19633\t9949\t5.0\t51\t2.5\t2972\t2116\nBanks\t28881\t133\t113\t0.5\t85\t0.4\t23\t29\nFor the note to this table refer to page 304.\t\t\t\t\t\t\t\t\n", "q10k_tbl_245": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2011 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t8359--\t\t\t---\t\t\t0\t0\nFinance\t48598\t745\t579\t1.5\t78\t1.2\t207\t44\nPersonal - mortgages\t144171\t4890\t1216\t3.4\t25\t0.8\t776\t198\n- unsecured\t31995\t2960\t2364\t9.3\t80\t7.4\t715\t935\nProperty\t42994\t4132\t1133\t9.6\t27\t2.6\t469\t167\nConstruction\t7197\t841\t286\t11.7\t34\t4.0\t179\t143\nManufacturing\t23708\t490\t242\t2.1\t49\t1.0\t106\t125\nFinance leases and instalment credit\t8440\t172\t110\t2.0\t64\t1.3\t31\t68\nRetail wholesale and repairs\t22039\t679\t345\t3.1\t51\t1.6\t208\t119\nTransport and storage\t16581\t342\t60\t2.1\t18\t0.4\t47\t29\nHealth education and leisure\t16073\t691\t257\t4.3\t37\t1.6\t170\t55\nHotels and restaurants\t7709\t1005\t386\t13.0\t38\t5.0\t209\t60\nUtilities\t6557\t22\t1\t0.3\t5--\t\t\t0\nOther\t28769\t1282\t668\t4.5\t52\t2.3\t538\t194\nLatent\t--1418\t\t\t---\t\t\t(252)\t0\n\t413190\t18251\t9065\t4.4\t50\t2.2\t3403\t2137\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t104965\t2210\t420\t2.1\t19\t0.4\t174\t24\n- personal lending\t21008\t2680\t2179\t12.8\t81\t10.4\t657\t828\n- property\t35431\t2984\t744\t8.4\t25\t2.1\t378\t114\n- construction\t5707\t655\t236\t11.5\t36\t4.1\t160\t138\n- other\t114878\t2571\t1648\t2.2\t64\t1.4\t366\t398\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t18393\t2121\t664\t11.5\t31\t3.6\t437\t10\n- personal lending\t1972\t143\t125\t7.3\t87\t6.3\t(8)\t22\n- property\t4846\t1037\t365\t21.4\t35\t7.5\t162\t10\n- construction\t1019\t72\t43\t7.1\t60\t4.2\t13\t0\n- other\t24414\t2430\t1806\t10.0\t74\t7.4\t915\t183\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t20311\t526\t120\t2.6\t23\t0.6\t162\t164\n- personal lending\t7505\t136\t59\t1.8\t43\t0.8\t66\t85\n- property\t2413\t111\t24\t4.6\t22\t1.0\t16\t43\n- construction\t412\t98\t1\t23.8\t1\t0.2-5\t\t\n- other\t34971\t345\t583\t1.0\t169\t1.7\t26\t96\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t502\t33\t12\t6.6\t36\t2.4\t3\t0\n- personal lending\t1510\t1\t1\t0.1\t100\t0.1--\t\t\n- property\t304--\t\t\t---\t\t\t(87)\t0\n- construction\t59\t16\t6\t27.1\t38\t10.2\t6\t0\n- other\t12570\t82\t29\t0.7\t35\t0.2\t(43)\t17\n\t413190\t18251\t9065\t4.4\t50\t2.2\t3403\t2137\nBanks\t40815\t136\t122\t0.3\t90\t0.3--\t\t\nFor the note to this table refer to page 304.\t\t\t\t\t\t\t\t\n", "q10k_tbl_246": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2013\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t1153--\t\t\t---\t\t\t0\t0\nFinance\t1285\t200\t109\t15.6\t55\t8.5\t(21)\t45\nPersonal - mortgages\t1933\t210\t69\t10.9\t33\t3.6\t39\t113\n- unsecured\t343\t91\t33\t26.5\t36\t9.6\t44\t49\nProperty\t19122\t14701\t10715\t76.9\t73\t56.0\t3783\t1177\nConstruction\t1257\t626\t357\t49.8\t57\t28.4\t128\t63\nManufacturing\t638\t198\t166\t31.0\t84\t26.0\t56\t29\nFinance leases and instalment credit\t3232\t124\t101\t3.8\t81\t3.1\t(7)\t90\nRetail wholesale and repairs\t675\t360\t252\t53.3\t70\t37.3\t59\t14\nTransport and storage\t2770\t441\t203\t15.9\t46\t7.3\t85\t152\nHealth education and leisure\t603\t453\t265\t75.1\t58\t43.9\t84\t37\nHotels and restaurants\t704\t617\t338\t87.6\t55\t48.0\t126\t36\nUtilities\t848\t68\t37\t8.0\t54\t4.4\t(11)\t0\nOther\t2155\t924\t570\t42.9\t62\t26.5\t260\t51\nLatent\t--623\t\t\t---\t\t\t21\t0\n\t36718\t19013\t13838\t51.8\t73\t37.7\t4646\t1856\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t---\t\t\t---\t\t\t1\t1\n- personal lending\t24\t24\t21\t100.0\t88\t87.5\t6\t6\n- property\t9500\t6694\t4079\t70.5\t61\t42.9\t1398\t545\n- construction\t655\t350\t185\t53.4\t53\t28.2\t71\t63\n- other\t8054\t1376\t1058\t17.1\t77\t13.1\t279\t136\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t193\t19\t18\t9.8\t95\t9.3--\t\t\n- personal lending\t69\t8\t1\t11.6\t13\t1.4\t7\t2\n- property\t9224\t7931\t6593\t86.0\t83\t71.5\t2385\t607\n- construction\t601\t276\t172\t45.9\t62\t28.6\t59\t0\n- other\t4311\t1843\t1330\t42.8\t72\t30.9\t282\t214\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t1740\t191\t51\t11.0\t27\t2.9\t38\t112\n- personal lending\t245\t59\t11\t24.1\t19\t4.5\t30\t40\n- property\t221\t47\t14\t21.3\t30\t6.3\t4\t17\n- construction\t1--\t\t\t---\t\t\t(2)\t0\n- other\t165\t10\t181\t6.1\tnm\t109.7\t73\t59\nRoW\t\t\t\t\t\t\t\t\n- personal lending\t5--\t\t\t---\t\t\t1\t1\n- property\t177\t29\t29\t16.4\t100\t16.4\t(4)\t8\n- other\t1533\t156\t95\t10.2\t61\t6.2\t18\t45\n\t36718\t19013\t13838\t51.8\t73\t37.7\t4646\t1856\nBanks\t431\t1\t1\t0.2\t100\t0.2--\t\t\nnm = not meaningful\t\t\t\t\t\t\t\t\n", "q10k_tbl_247": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2012 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t1368--\t\t\t---\t\t\t0\t0\nFinance\t2540\t407\t168\t16.0\t41\t6.6\t91\t42\nPersonal - mortgages\t2855\t320\t133\t11.2\t42\t4.7\t162\t227\n- unsecured\t965\t186\t103\t19.3\t55\t10.7\t63\t75\nProperty\t28617\t16551\t8185\t57.8\t49\t28.6\t1464\t866\nConstruction\t2029\t726\t290\t35.8\t40\t14.3\t(25)\t122\nManufacturing\t1553\t259\t132\t16.7\t51\t8.5\t16\t140\nFinance leases and instalment credit\t4408\t283\t187\t6.4\t66\t4.2\t9\t222\nRetail wholesale and repairs\t1094\t352\t205\t32.2\t58\t18.7\t49\t47\nTransport and storage\t3751\t394\t224\t10.5\t57\t6.0\t217\t81\nHealth education and leisure\t935\t429\t222\t45.9\t52\t23.7\t35\t33\nHotels and restaurants\t986\t555\t253\t56.3\t46\t25.7\t38\t46\nUtilities\t1500\t108\t16\t7.2\t15\t1.1\t(4)\t0\nOther\t3742\t803\t446\t21.5\t56\t11.9\t133\t220\nLatent\t--635\t\t\t---\t\t\t72\t0\n\t56343\t21373\t11199\t37.9\t52\t19.9\t2320\t2121\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t19--\t\t\t---\t\t\t0\t0\n- personal lending\t55\t23\t19\t41.8\t83\t34.5\t5\t16\n- property\t18198\t7744\t3048\t42.6\t39\t16.7\t569\t309\n- construction\t1406\t494\t182\t35.1\t37\t12.9\t(9)\t111\n- other\t13316\t1067\t874\t8.0\t82\t6.6\t175\t444\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t390\t32\t27\t8.2\t84\t6.9\t5\t26\n- personal lending\t365\t83\t70\t22.7\t84\t19.2\t9\t2\n- property\t9738\t8695\t5081\t89.3\t58\t52.2\t914\t435\n- construction\t619\t229\t107\t37.0\t47\t17.3\t(15)\t2\n- other\t5206\t2171\t1285\t41.7\t59\t24.7\t455\t272\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t2446\t288\t106\t11.8\t37\t4.3\t157\t201\n- personal lending\t539\t80\t14\t14.8\t18\t2.6\t44\t50\n- property\t496\t58\t16\t11.7\t28\t3.2\t(14)\t56\n- construction\t4\t3\t1\t75.0\t33\t25.0\t(1)\t9\n- other\t1087\t100\t198\t9.2\t198\t18.2\t25\t59\nRoW\t\t\t\t\t\t\t\t\n- personal lending\t6--\t\t\t---\t\t\t5\t7\n- property\t185\t54\t40\t29.2\t74\t21.6\t(5)\t66\n- other\t2268\t252\t131\t11.1\t52\t5.8\t1\t56\n\t56343\t21373\t11199\t37.9\t52\t19.9\t2320\t2121\nBanks\t477\t1\t1\t0.2\t100\t0.2--\t\t\nFor the note to this table refer to page 304.\t\t\t\t\t\t\t\t\n", "q10k_tbl_248": "\t\t\t\tCredit metrics\t\t\t\t\n\t\t\t\tREIL\tProvisions\tProvisions\t\t\n\tGross\t\t\tas a % of\tas a %\tas a % of\tImpairment\tAmounts\n\tloans\tREIL\tProvisions\tgross loans\tof REIL\tgross loans\tcharge\twritten-off\n2011 (1)\t£m\t£m%\t£m%\t\t\t%\t£m\t£m\nCentral and local government\t1383--\t\t\t---\t\t\t0\t0\nFinance\t3272\t317\t147\t9.7\t46\t4.5\t(118)\t43\nPersonal - mortgages\t5102\t380\t180\t7.4\t47\t3.5\t300\t318\n- unsecured\t1556\t110\t92\t7.1\t84\t5.9\t67\t351\nProperty\t38064\t17969\t7861\t47.2\t44\t20.7\t3200\t1004\nConstruction\t2672\t1102\t475\t41.2\t43\t17.8\t(39)\t101\nManufacturing\t4931\t423\t283\t8.6\t67\t5.7\t121\t90\nFinance leases and instalment credit\t6059\t622\t398\t10.3\t64\t6.6\t81\t102\nRetail wholesale and repairs\t2339\t388\t204\t16.6\t53\t8.7\t(28)\t53\nTransport and storage\t5477\t264\t94\t4.8\t36\t1.7\t31\t14\nHealth education and leisure\t1419\t501\t245\t35.3\t49\t17.3\t134\t43\nHotels and restaurants\t1161\t485\t289\t41.8\t60\t24.9\t125\t71\nUtilities\t1849\t66\t22\t3.6\t33\t1.2\t3\t3\nOther\t4721\t1379\t549\t29.2\t40\t11.6\t254\t197\nLatent\t--647\t\t\t---\t\t\t(293)\t0\n\t80005\t24006\t11486\t30.0\t48\t14.4\t3838\t2390\nof which:\t\t\t\t\t\t\t\t\nUK\t\t\t\t\t\t\t\t\n- residential mortgages\t1423\t52\t11\t3.7\t21\t0.8\t6\t1\n- personal lending\t127\t37\t30\t29.1\t81\t23.6\t(12)\t179\n- property\t24610\t8163\t3093\t33.2\t38\t12.6\t1033\t379\n- construction\t1882\t772\t324\t41.0\t42\t17.2\t27\t90\n- other\t17670\t2064\t1295\t11.7\t63\t7.3\t148\t257\nEurope\t\t\t\t\t\t\t\t\n- residential mortgages\t553\t84\t49\t15.2\t58\t8.9\t30\t0\n- personal lending\t492\t66\t55\t13.4\t83\t11.2\t33\t104\n- property\t11538\t9277\t4582\t80.4\t49\t39.7\t2134\t494\n- construction\t735\t290\t142\t39.5\t49\t19.3\t(75)\t0\n- other\t10083\t1831\t1067\t18.2\t58\t10.6\t352\t110\nUS\t\t\t\t\t\t\t\t\n- residential mortgages\t2926\t244\t120\t8.3\t49\t4.1\t264\t317\n- personal lending\t936\t7\t7\t0.7\t100\t0.7\t46\t68\n- property\t1370\t218\t68\t15.9\t31\t5.0\t(18)\t96\n- construction\t45\t23\t9\t51.1\t39\t20.0\t9\t11\n- other\t2044\t172\t312\t8.4\t181\t15.3\t(201)\t84\nRoW\t\t\t\t\t\t\t\t\n- residential mortgages\t200--\t\t\t---\t\t\t0\t0\n- personal lending\t1--\t\t\t---\t\t\t0\t0\n- property\t546\t311\t118\t57.0\t38\t21.6\t51\t35\n- construction\t10\t17-170.0\t\t\t---\t\t\t0\n- other\t2814\t378\t204\t13.4\t54\t7.2\t11\t165\n\t80005\t24006\t11486\t30.0\t48\t14.4\t3838\t2390\nBanks\t706\t1\t1\t0.1\t100\t0.1--\t\t\n", "q10k_tbl_249": "REIL flow statement\t\t\t\t\t\t\t\t\t\nREIL are stated without giving effect to any security held that could reduce the eventual loss should it occur or to any provisions marked.\t\t\t\t\t\t\t\t\t\n\tUK UK\tInternational\tUlster\tUS Retail &\t\tCentral\t\t\t\n\tRetail Corporate\tWealth Banking\tBank\tCommercial\tMarkets\titems\tCore\tNon-Core\tTotal\n\t£m £m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2013\t4569 5452\t248 422\t7533\t1146\t396-19766\t\t\t21374\t41140\nCurrency translation and other\t\t\t\t\t\t\t\t\t\nadjustments-11\t\t2 (11)\t134\t(21)\t1-116\t\t\t279\t395\nDisposal of subsidiaries--\t\t---\t\t---\t\t\t0\t(89)\t(89)\nAdditions\t1302 4825\t132 431\t2479\t282\t14\t1\t9466\t3397\t12863\nTransfers (1)\t(445) 418-133\t\t---\t\t\t0\t106\t(1)\t105\nTransfers to performing book-(54)\t\t(3) (118)--\t\t\t--(175)\t\t\t(108)\t(283)\nRepayments\t(1045) (3654)\t(87) (106)\t(1403)\t(89)\t(27)-(6411)\t\t\t(3982)\t(10393)\nAmounts written-off\t(815) (772)\t(15) (281)\t(277)\t(284)\t(46)-(2490)\t\t\t(1856)\t(4346)\nAt 31 December 2013\t3566 6226\t277 470\t8466\t1034\t338\t1\t20378\t19014\t39392\n\t\t\t\tNon-Core (by donating divisions)\t\t\t\t\t\n\t\t\t\tUK\tInternational\tUlster\tUS Retail &\t\t\n\t\t\t\tCorporate\tBanking\tBank\tCommercial\tOther\tTotal\n\t\t\t\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2013\t\t\t\t2622\t6907\t11399\t418\t28\t21374\nCurrency translation and other adjustments\t\t\t\t8\t67\t206\t(2)-279\t\t\nDisposal of subsidiaries\t\t\t\t--(89)\t\t\t--(89)\t\t\nAdditions\t\t\t\t1327\t1283\t705\t80\t2\t3397\nTransfers (1)\t\t\t\t(1)--\t\t\t--(1)\t\t\nTransfers to performing book\t\t\t\t(4)\t(101)\t(2)-(1)\t\t\t(108)\nRepayments\t\t\t\t(1350)\t(1774)\t(816)\t(41)\t(1)\t(3982)\nAmounts written-off\t\t\t\t(379)\t(875)\t(431)\t(165)\t(6)\t(1856)\nAt 31 December 2013\t\t\t\t2223\t5507\t10972\t290\t22\t19014\n", "q10k_tbl_250": "\tUK UK\tInternational\tUlster\tUS Retail &\t\t\t\t\n\tRetail Corporate\tWealth Banking\tBank\tCommercial\tMarkets\tCore\tNon-Core\tTotal\n\t£m £m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2012\t4599 5001\t211 1632\t5523\t1007\t414\t18387\t24007\t42394\nCurrency translation and other\t\t\t\t\t\t\t\t\nadjustments\t53 (6)\t(1) (227)\t(115)\t(47)\t184\t(159)\t(487)\t(646)\nAdditions\t1771 4362\t111 286\t3299\t660\t56\t10545\t5800\t16345\nTransfers (1)\t(33) 7-(110)\t\t--6\t\t\t(130)\t70\t(60)\nTransfer to performing book-(133)\t\t(8) (624)--\t\t\t(75)\t(840)\t(1035)\t(1875)\nRepayments\t(1222) (3265)\t(50) (90)\t(1102)\t(83)\t(80)\t(5892)\t(4860)\t(10752)\nAmounts written-off\t(599) (514)\t(15) (445)\t(72)\t(391)\t(109)\t(2145)\t(2121)\t(4266)\nAt 31 December 2012\t4569 5452\t248 422\t7533\t1146\t396\t19766\t21374\t41140\n\t\t\tNon-Core (by donating divisions)\t\t\t\t\t\n\t\t\tUK\tInternational\tUlster\tUS Retail\t\t\n\t\t\tCorporate\tBanking\tBank\t& Commercial\tOther\tTotal\n\t\t\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2012\t\t\t3685\t8051\t11675\t486\t110\t24007\nCurrency translation and other adjustments\t\t\t(57)\t(104)\t(231)\t(20)\t(75)\t(487)\nAdditions\t\t\t1542\t2210\t1713\t323\t12\t5800\nTransfers (1)\t\t\t11\t59--\t\t\t0\t70\nTransfer to performing book\t\t\t(171)\t(863)--\t\t\t(1)\t(1035)\nRepayments\t\t\t(1798)\t(1379)\t(1618)\t(62)\t(3)\t(4860)\nAmounts written-off\t\t\t(590)\t(1067)\t(140)\t(309)\t(15)\t(2121)\nAt 31 December 2012\t\t\t2622\t6907\t11399\t418\t28\t21374\n", "q10k_tbl_251": "\t2013\t\t\t2012\t\t\t2011\t\t\n\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nImpaired loans\t\t\t\t\t\t\t\t\t\n- UK\t9288\t8193\t17481\t9332\t9081\t18413\t9754\t10580\t20334\n- overseas\t9145\t10545\t19690\t8219\t11867\t20086\t6839\t12885\t19724\n\t18433\t18738\t37171\t17551\t20948\t38499\t16593\t23465\t40058\nAccruing loans past due 90 days or more\t\t\t\t\t\t\t\t\t\n- UK\t1709\t253\t1962\t1759\t248\t2007\t1430\t508\t1938\n- overseas\t236\t23\t259\t456\t178\t634\t364\t34\t398\n\t1945\t276\t2221\t2215\t426\t2641\t1794\t542\t2336\nTotal REIL\t20378\t19014\t39392\t19766\t21374\t41140\t18387\t24007\t42394\nREIL as a % of gross loans and advances (1)\t5.3%\t52.4%\t9.4%\t4.9%\t38.2%\t9.1%\t4.4%\t30.1%\t8.6%\nProvisions as a % of REIL\t56%\t73%\t64%\t51%\t52%\t52%\t50%\t48%\t49%\n", "q10k_tbl_252": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nPotential problem loans\t789\t807\t739\n", "q10k_tbl_253": "\t2013\t\t\t2012\t\t\t2011\t\t\n\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\tCore\tNon-Core\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nPast due 1-29 days\t4587\t178\t4765\t5349\t250\t5599\t5722\t724\t6446\nPast due 30-59 days\t1212\t48\t1260\t1062\t55\t1117\t1556\t171\t1727\nPast due 60-89 days\t792\t30\t822\t1151\t26\t1177\t975\t107\t1082\nPast due 90 days or more\t1945\t276\t2221\t2215\t426\t2641\t1794\t542\t2336\n\t8536\t532\t9068\t9777\t757\t10534\t10047\t1544\t11591\nPast due analysis by sector*\t\t\t\t\t\t\t\t\t\nPersonal\t4982\t190\t5172\t5198\t303\t5501\t6819\t741\t7560\nProperty and construction\t1075\t298\t1373\t1475\t388\t1863\t1126\t651\t1777\nFinancial institution\t366\t2\t368\t92\t11\t103\t83\t6\t89\nOther corporate\t2113\t42\t2155\t3012\t55\t3067\t2019\t146\t2165\n\t8536\t532\t9068\t9777\t757\t10534\t10047\t1544\t11591\n", "q10k_tbl_254": "Impairment provisions flow statement\t\t\t\t\t\t\t\t\t\t\nThe movement in loan impairment provisions by division is shown in the table below.\t\t\t\t\t\t\t\t\t\t\n\tUK\tUK\t\tInternational\tUlster\tUS\tTotal\tCentral\tTotal\t\n\tRetail\tCorporate\tWealth\tBanking\tBank\tR&C (1)\tR&C (1)\tMarkets items\tCore Non-Core\tGroup\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\nAt 1 January 2013\t2629\t2432\t109\t391\t3910\t285\t9756\t305 1\t10062 11200\t21262\nCurrency translation\t\t\t\t\t\t\t\t\t\t\nand other adjustments\t1\t8-(15)\t\t\t51\t31\t76\t5-81\t28\t109\nDisposal of subsidiaries--\t\t\t---\t\t\t---\t\t--(77)\t\t(77)\nAmounts written-off\t(815)\t(772)\t(15)\t(281)\t(277)\t(284)\t(2444)\t(46)-(2490)\t(1856)\t(4346)\nRecoveries of amounts\t\t\t\t\t\t\t\t\t\t\npreviously written-off\t46\t15-15\t\t\t1\t89\t166\t2-168\t88\t256\nCharged to income statement\t\t\t\t\t\t\t\t\t\t\n- continuing operations\t319\t1188\t29\t219\t1774\t151\t3680\t21 65\t3766 4646\t8412\nUnwind of discount (2)\t(74)\t(38)\t(3)\t(4)\t(81)-(200)\t\t\t(1)-(201)\t(190)\t(391)\nAt 31 December 2013\t2106\t2833\t120\t325\t5378\t272\t11034\t286 66\t11386 13839\t25225\nIndividually assessed\t\t\t\t\t\t\t\t\t\t\n- banks--\t\t\t0\t1--\t\t\t1\t61-62\t1\t63\n- customers-1462\t\t\t109\t207\t2078\t60\t3916\t214 66\t4196 12650\t16846\nCollectively assessed\t1929\t1096--\t\t\t2596\t118\t5739--\t\t5739 565\t6304\nLatent\t177\t275\t11\t117\t704\t94\t1378\t11-1389\t623\t2012\n\t2106\t2833\t120\t325\t5378\t272\t11034\t286 66\t11386 13839\t25225\nFor the notes to this table refer to page 309.\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_255": "\tNon-Core (by donating division)\t\t\t\t\t\n\tUK\tInternational\tUlster\tUS\t\t\n\tCorporate\tBanking\tBank\tR&C (1)\tOther\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2013\t1167\t2815\t6933\t257\t28\t11200\nCurrency translation and other adjustments\t(12)\t26\t60\t(43)\t(3)\t28\nDisposal of subsidiaries--\t\t\t(77)--\t\t\t(77)\nAmounts written-off\t(379)\t(875)\t(431)\t(165)\t(6)\t(1856)\nRecoveries of amounts previously written-off\t11\t35-41\t\t\t1\t88\nCharged to income statement\t\t\t\t\t\t\n- continuing operations\t355\t1109\t3027\t156\t(1)\t4646\nUnwind of discount (2)\t(17)\t(50)\t(123)--\t\t\t(190)\nAt 31 December 2013\t1125\t3060\t9389\t246\t19\t13839\nIndividually assessed\t\t\t\t\t\t\n- banks-1\t\t\t---\t\t\t1\n- customers\t761\t2884\t8981\t19\t5\t12650\nCollectively assessed\t324-179\t\t\t48\t14\t565\nLatent\t40\t175\t229\t179-623\t\t\n\t1125\t3060\t9389\t246\t19\t13839\n", "q10k_tbl_256": "\tUK\tUK\t\tInternational\tUlster\tUS\tTotal\t\tCentral Total\t\t\n\tRetail\tCorporate\tWealth\tBanking\tBank\tR&C (1)\tR&C (1)\tMarkets\tItems Core\tNon-Core RFS MI\tGroup\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\nAt 1 January 2012\t2679\t2061\t81\t851\t2749\t455\t8876\t311-9187\t\t11487-20674\t\nCurrency translationand other adjustments\t12\t87-(131)\t\t\t(54)\t53\t(33)\t77-44\t\t(369)-(325)\t\nDisposal of subsidiaries--\t\t\t---\t\t\t---\t\t\t--(1)\t(4)\t(5)\nAmounts written-off\t(599)\t(514)\t(15)\t(445)\t(72)\t(391)\t(2036)\t(109)-(2145)\t\t(2121)-(4266)\t\nRecoveries of amounts previously written-off\t96\t18-9\t\t\t2\t85\t210\t1-211\t\t130-341\t\nCharged to income statement\t\t\t\t\t\t\t\t\t\t\t\n- continuing operations\t529\t836\t46\t111\t1364\t83\t2969\t25\t1 2995\t2320-5315\t\n- discontinued operations--\t\t\t---\t\t\t---\t\t\t---\t4\t4\nUnwind of discount (2)\t(88)\t(56)\t(3)\t(4)\t(79)-(230)\t\t\t--(230)\t\t(246)-(476)\t\nAt 31 December 2012\t2629\t2432\t109\t391\t3910\t285\t9756\t305\t1 10062\t11200-21262\t\nIndividually assessed\t\t\t\t\t\t\t\t\t\t\t\n- banks--\t\t\t0\t6--\t\t\t6\t107-113\t\t1-114\t\n- customers-1024\t\t\t96\t270\t1213\t46\t2649\t189\t1 2839\t9805-12644\t\nCollectively assessed\t2439\t1111--\t\t\t2110\t125\t5785--\t\t5785\t757-6542\t\nLatent\t190\t297\t13\t115\t587\t114\t1316\t9-1325\t\t637-1962\t\n\t2629\t2432\t109\t391\t3910\t285\t9756\t305\t1 10062\t11200-21262\t\nFor the notes to this table refer to page 309.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_257": "\tNon-Core (by donating division)\t\t\t\t\t\n\tUK\tInternational\tUlster\tUS\t\t\n\tCorporate\tBanking\tBank\tR&C (1)\tOther\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2012\t1633\t3027\t6363\t416\t48\t11487\nCurrency translation and other adjustments\t(100)\t(58)\t(107)\t(89)\t(15)\t(369)\nDisposal of subsidiaries--\t\t\t0\t(1)-(1)\t\t\nAmounts written-off\t(590)\t(1067)\t(140)\t(309)\t(15)\t(2121)\nRecoveries of amounts previously written-off\t21\t38\t4\t63\t4\t130\n- continuing operations\t241\t913\t983\t177\t6\t2320\nUnwind of discount (2)\t(38)\t(38)\t(170)--\t\t\t(246)\nAt 31 December 2012\t1167\t2815\t6933\t257\t28\t11200\nIndividually assessed\t\t\t\t\t\t\n- banks-1\t\t\t---\t\t\t1\n- customers\t688\t2604\t6481\t24\t8\t9805\nCollectively assessed\t422-225\t\t\t92\t18\t757\nLatent\t57\t210\t227\t141\t2\t637\n\t1167\t2815\t6933\t257\t28\t11200\n", "q10k_tbl_258": "\tUK\tUK\t\tInternational\tUlster\tUS\tTotal\t\tTotal\t\t\n\tRetail\tCorporate\tWealth\tBanking\tBank\tR&C (1)\tR&C (1)\tMarkets\tCore\tNon-Core RFS MI\tGroup\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m\nAt 1 January 2011\t2741\t1746\t66\t855\t1633\t509\t7550\t316\t7866\t10352-18218\t\nIntra-group transfers-177\t\t\t---\t\t\t0\t177-177\t\t\t(177)--\t\nCurrency translation-25\t\t\t3\t(37)\t(79)\t(5)\t(93)\t17\t(76)\t(225)-(301)\t\nand other adjustments\nDisposal of subsidiaries--\t\t\t---\t\t\t---\t\t\t--8\t\t8\nAmounts written-off\t(823)\t(658)\t(11)\t(125)\t(124)\t(373)\t(2114)\t(23)\t(2137)\t(2390)-(4527)\t\nRecoveries of amounts\t69\t17-3\t\t\t1\t76\t166\t1\t167\t360-527\t\npreviously written-off\nCharged to income statement\t\t\t\t\t\t\t\t\t\t\t\n- continuing operations\t788\t790\t25\t168\t1384\t248\t3403-3403\t\t\t3838-7241\t\n- discontinued operations--\t\t\t---\t\t\t---\t\t\t--(8)\t\t(8)\nUnwind of discount (2)\t(96)\t(36)\t(2)\t(13)\t(66)-(213)\t\t\t0\t(213)\t(271)-(484)\t\nAt 31 December 2011\t2679\t2061\t81\t851\t2749\t455\t8876\t311\t9187\t11487-20674\t\nIndividually assessed\t\t\t\t\t\t\t\t\t\t\t\n- banks--\t\t\t2\t44--\t\t\t46\t76\t122\t1-123\t\n- customers-838\t\t\t70\t637\t991\t73\t2609\t224\t2833\t9965-12798\t\nCollectively assessed\t2474\t894-2\t\t\t1282\t162\t4814-4814\t\t\t874-5688\t\nLatent\t205\t329\t9\t168\t476\t220\t1407\t11\t1418\t647-2065\t\n\t2679\t2061\t81\t851\t2749\t455\t8876\t311\t9187\t11487-20674\t\n", "q10k_tbl_259": "Impairment charge analysis\t\t\t\t\t\t\t\t\t\t\t\t\nThe table below analyses the impairment charge for loans and securities.\t\t\t\t\t\t\t\t\t\t\t\t\n\tUK\tUK\t\tInternational\tUlster\tUS\tTotal\t\tCentral\tTotal\t\t\n\tRetail\tCorporate\tWealth\tBanking\tBank\tR&C R&C\tMarkets\titems\tCore Non-Core\tGroup\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nIndividually assessed-970\t\t\t32\t223\t1082\t16\t2323\t29\t65\t2417\t4502\t6919\nCollectively assessed\t333\t239--\t\t\t580\t189\t1341--\t\t\t1341\t123\t1464\nLatent loss\t(14)\t(21)\t(3)\t2\t112\t(54)\t22\t1\t0\t23\t21\t44\nLoans to customers\t319\t1188\t29\t225\t1774\t151\t3686\t30\t65\t3781\t4646\t8427\nLoans to banks--\t\t\t0\t(6)--\t\t\t(6)\t(9)\t0\t(15)-(15)\t\t\nSecurities\t5--\t\t\t10-5\t\t\t20\t71\t(1)\t90\t(70)\t20\nCharge to income statement\t324\t1188\t29\t229\t1774\t156\t3700\t92\t64\t3856\t4576\t8432\n2012\t\t\t\t\t\t\t\t\t\t\t\t\nIndividually assessed-554\t\t\t42\t136\t457\t15\t1204\t28\t1\t1233\t1936\t3169\nCollectively assessed\t544\t317-(1)\t\t\t787\t237\t1884--\t\t\t1884\t312\t2196\nLatent loss\t(15)\t(35)\t4\t(47)\t120\t(169)\t(142)\t(3)\t0\t(145)\t72\t(73)\nLoans to customers\t529\t836\t46\t88\t1364\t83\t2946\t25\t1\t2972\t2320\t5292\nLoans to banks--\t\t\t0\t23--\t\t\t23--\t\t\t23-23\t\t\nSecurities-2\t\t\t---\t\t\t8\t10\t12\t39\t61\t(97)\t(36)\nCharge to income statement\t529\t838\t46\t111\t1364\t91\t2979\t37\t40\t3056\t2223\t5279\n2011\t\t\t\t\t\t\t\t\t\t\t\t\nIndividually assessed-612\t\t\t24\t233\t637\t64\t1570\t10\t0\t1580\t3615\t5195\nCollectively assessed\t798\t392--\t\t\t655\t230\t2075--\t\t\t2075\t516\t2591\nLatent loss\t(10)\t(214)\t1\t(65)\t92\t(46)\t(242)\t(10)\t0\t(252)\t(293)\t(545)\nLoans to customers\t788\t790\t25\t168\t1384\t248\t3403--\t\t\t3403\t3838\t7241\nSecurities\t\t\t\t\t\t\t\t\t\t\t\t\n- sovereign debt (1)--\t\t\t---\t\t\t0\t--1268\t\t\t1268-1268\t\t\n- other-3\t\t\t---\t\t\t78\t81\t38\t(2)\t117\t83\t200\nCharge to income statement\t788\t793\t25\t168\t1384\t326\t3484\t38\t1266\t4788\t3921\t8709\n", "q10k_tbl_260": "\tNon-Core (by donating division)\t\t\t\t\t\n\tUK\tInternational\tUlster\tUS\t\t\n\tCorporate\tBanking\tBank\tR&C\tOther\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\t£m\nIndividually assessed\t362\t1145\t3001\t(6)-4502\t\t\nCollectively assessed\t11-28\t\t\t84-123\t\t\nLatent loss\t(18)\t(36)\t(2)\t78\t(1)\t21\nLoans to customers\t355\t1109\t3027\t156\t(1)\t4646\nSecurities-(70)\t\t\t---\t\t\t(70)\nCharge to income statement\t355\t1039\t3027\t156\t(1)\t4576\n2012\t\t\t\t\t\t\nIndividually assessed\t206\t913\t842\t(25)-1936\t\t\nCollectively assessed\t71-25\t\t\t208\t8\t312\nLatent loss\t(37)\t1\t116\t(6)\t(2)\t72\nLoans to customers\t240\t914\t983\t177\t6\t2320\nSecurities-(97)\t\t\t---\t\t\t(97)\nCharge to income statement\t240\t817\t983\t177\t6\t2223\n2011\t\t\t\t\t\t\nIndividually assessed\t512\t679\t2426\t(3)\t1\t3615\nCollectively assessed\t129-29\t\t\t372\t(14)\t516\nLatent loss\t(113)-(106)\t\t\t(66)\t(8)\t(293)\nLoans to customers\t528\t679\t2349\t303\t(21)\t3838\nSecurities-78\t\t\t--5\t\t\t83\nCharge to income statement\t528\t757\t2349\t303\t(16)\t3921\n", "q10k_tbl_261": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tUK\tUS\tOther (1)\tTotal\tUK\tUS\tOther (1)\tTotal\tUK\tUS\tOther (1)\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nCentral and local government\t6436\t12880\t10303\t29619\t9774\t19046\t16155\t44975\t13436\t20848\t25552\t59836\nBanks\t492\t92\t5390\t5974\t1085\t357\t7419\t8861\t1391\t376\t11408\t13175\nOther financial institutions\t2335\t8327\t6668\t17330\t2861\t10613\t10416\t23890\t3100\t17453\t11199\t31752\nCorporate\t21\t71\t92\t184\t1318\t719\t1130\t3167\t1105\t131\t1299\t2535\nTotal\t9284\t21370\t22453\t53107\t15038\t30735\t35120\t80893\t19032\t38808\t49458\t107298\nOf which ABS\t2487\t13149\t8538\t24174\t3558\t14209\t12976\t30743\t3659\t20256\t16820\t40735\nAFS reserves (gross)\t77\t(22)\t(445)\t(390)\t667\t763\t(1277)\t153\t845\t486\t(1815)\t(484)\n", "q10k_tbl_262": "\tLess than 12 months\t\tMore than 12 months\t\tTotal\t\n\t\tGross\t\tGross\t\tGross\n\t\tunrealised\t\tunrealised\t\tunrealised\n\tFair value\tlosses\tFair value\tlosses\tFair value\tlosses\n2013\t£m\t£m\t£m\t£m\t£m\t£m\nCentral and local government\t\t\t\t\t\t\n- UK\t6987\t69\t0\t0\t6987\t69\n- US\t4189\t85\t8\t1\t4197\t86\n- other\t2605\t18\t852\t14\t3457\t32\nBanks\t726\t1\t3319\t204\t4045\t205\nOther financial institutions\t6063\t65\t4842\t428\t10905\t493\nCorporate\t19\t2\t15\t0\t34\t2\nTotal\t20589\t240\t9036\t647\t29625\t887\nOf which ABS\t8964\t119\t8067\t634\t17031\t753\n2012\t\t\t\t\t\t\nCentral and local government\t\t\t\t\t\t\n- US\t59\t1\t0\t0\t59\t1\n- other\t1625\t2\t145\t12\t1770\t14\nBanks\t398\t2\t3466\t507\t3864\t509\nOther financial institutions\t248\t19\t7686\t1300\t7934\t1319\nCorporate\t346\t4\t4\t0\t350\t4\nTotal\t2676\t28\t11301\t1819\t13977\t1847\nOf which ABS\t398\t20\t10999\t1797\t11397\t1817\n2011\t\t\t\t\t\t\nCentral and local government - other\t2878\t65\t778\t106\t3656\t171\nBanks\t3924\t49\t5676\t789\t9600\t838\nOther financial institutions\t472\t41\t6504\t2345\t6976\t2386\nCorporate\t204\t11\t78\t2\t282\t13\nTotal\t7478\t166\t13036\t3242\t20514\t3408\nOf which ABS\t878\t54\t11908\t3104\t12786\t3158\n", "q10k_tbl_263": "Linkage to balance sheet*\t\t\t\t\nThe table below analyses the Group's balance sheet by trading and non-trading business.\t\t\t\t\n\t\tTrading\tNon-trading\t\n\tTotal\tbusiness (1)\tbusiness (2)\tNon-trading business\n2013\t£bn\t£bn\t£bn\tPrimary risk factor\nAssets\t\t\t\t\nCash and balances at central banks\t82.7-82.7\t\t\tInterest rate foreign exchange\nNet loans and advances to banks\t27.6\t9.3\t18.3\tInterest rate\nNet loans and advances to customers\t390.8\t19.4\t371.4\tInterest rate\nReverse repurchase agreements and stock borrowing\t76.4\t75.7\t0.7\tInterest rate\nDebt securities\t113.6\t56.7\t56.9\tInterest rate\nEquity shares\t8.8\t7.2\t1.6\tEquity\nDerivatives\t288.0\t284.9\t3.1\tInterest rate foreign exchange\nSettlement balances\t5.6\t5.6\t0\t\nOther assets\t34.4-34.4\t\t\tInterest rate\nTotal assets\t1027.9\t458.8\t569.1\t\nLiabilities\t\t\t\t\nDeposits by banks\t35.3\t19.2\t16.1\tInterest rate\nCustomer deposits\t414.4\t9.7\t404.7\tInterest rate\nRepurchase agreements and stock lending\t85.1\t73.6\t11.5\tInterest rate\nDebt securities in issue\t67.8\t19.7\t48.1\tInterest rate\nSettlement balances\t5.3\t5.3\t0\t\nShort positions\t28.0\t28.0\t0\t\nDerivatives\t285.5\t283.4\t2.1\tInterest rate foreign exchange\nSubordinated liabilities\t24.0-24.0\t\t\tInterest rate\nOther liabilities\t23.3-23.3\t\t\tInterest rate credit spreads\nTotal liabilities\t968.7\t438.9\t529.8\t\n", "q10k_tbl_264": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tAverage\tPeriod end\tMaximum\tMinimum\tAverage\tPeriod end\tMaximum\tMinimum\tAverage\tPeriod end\tMaximum\tMinimum\n£m\t£m\t£m\t£m\t£m £m\t£m\t£m\t£m\t£m £m\t£m\nInterest rate\t37.2\t44.1\t78.2\t19.1\t62.6\t75.6\t95.7\t40.8\t53.4\t68.1\t79.2\t27.5\nCredit spread\t60.0\t37.3\t86.8\t33.3\t69.2\t74.1\t94.9\t44.9\t82.7\t74.3\t151.1\t47.4\nCurrency\t8.6\t6.5\t20.6\t3.6\t10.3\t7.6\t21.3\t2.6\t10.3\t16.2\t19.2\t5.2\nEquity\t5.8\t4.1\t12.8\t3.2\t6.0\t3.9\t12.5\t1.7\t9.4\t8.0\t17.3\t4.6\nCommodity\t0.9\t0.5\t3.7\t0.3\t2.0\t1.5\t6.0\t0.9\t1.4\t2.3\t7.0\t0\nDiversification (1)\t\t(23.7)\t\t\t\t(55.4)\t\t\t\t(52.3)\t\t\nTotal\t79.3\t68.8\t118.8\t42.1\t97.3\t107.3\t137.0\t66.5\t105.5\t116.6\t181.3\t59.7\nCore\t64.2\t52.4\t104.6\t35.6\t74.6\t88.1\t118.0\t47.4\t75.8\t89.1\t133.9\t41.7\nNon-Core\t19.3\t15.2\t24.9\t14.9\t30.1\t22.8\t41.9\t22.0\t64.4\t34.6\t128.6\t30.0\nCEM\t58.1\t43.5\t85.4\t39.4\t78.5\t84.9\t86.0\t71.7\t50.1\t75.8\t78.8\t30.3\nTotal (excluding CEM)\t37.2\t33.6\t60.4\t19.1\t47.1\t57.6\t76.4\t32.2\t75.5\t49.9\t150.0\t41.6\n", "q10k_tbl_265": "\t2013\t2012\n\t£m\t£m\nTotal Group\t309\t396\nCore Markets\t298\t372\nNon-Core\t51\t69\n", "q10k_tbl_266": "\t2013\t2012\n\t£m\t£m\nRisks Not in VaR (RNIV)\t30\t94\nRisks Not in SVaR (RNISV)\t39\t149\nStressed RNIV (SRNIV)\t149\t187\n\t218\t430\n", "q10k_tbl_267": "Market risk capital*\t\t\t\nMinimum capital requirements\t\t\t\nThe following table analyses the market risk minimum capital requirement calculated in accordance with Basel 2.5.\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nInterest rate position risk requirement\t147\t254\t1107\nEquity position risk requirement\t1\t1\t3\nOption position risk requirement\t10\t26\t26\nCommodity position risk requirement\t13\t2\t2\nForeign currency position risk requirement\t39\t12\t10\nSpecific interest rate risk of securitisation positions\t123\t156\t250\nTotal (standard method)\t333\t451\t1398\nPillar 1 model based position risk requirement\t2086\t2959\t3725\nTotal market risk minimum capital requirement\t2419\t3410\t5123\n", "q10k_tbl_268": "The following table analyses the principal contributors to the Pillar 1 model based position risk requirement presented in the previous table.\t\t\t\t\t\t\n\t2013\t\t\t\t\t\n\tAverage (1)\tMaximum (1)\tMinimum (1)\tPeriod end\t2012\t2011\n\t£m\t£m\t£m\t£m\t£m\t£m\nValue-at-risk (VaR) (1)\t745\t875\t564\t576\t825\t887\nStressed VaR (SVaR)\t1056\t1266\t830\t841\t1226\t1682\nIncremental risk charge (IRC)\t390\t458\t279\t443\t467\t469\nAll price risk (APR)\t11\t13\t8\t8\t12\t297\nRisk not in VaR (RNIV)\t286\t433\t179\t218\t429\t390\n", "q10k_tbl_269": "\tInternal ratings (1)\t\t\t\t\t\t\t\n\tAAA\tAA\tA\tBBB\tBB\tB\tCCC\tTotal (1)\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nProduct categories\t\t\t\t\t\t\t\t\nCash - ABS\t31.4--\t\t\t0.2\t(1.5)\t0.1-30.2\t\t\nCash - regular\t73.5\t15.5\t7.2\t132.3\t21.4\t2.9\t33.9\t286.7\nDerivatives - credit\t(4.5)\t(1.2)\t(4.6)\t(21.4)\t(19.5)\t(13.4)\t(23.0)\t(87.6)\nDerivatives - interest rate\t29.7\t5.4\t0.6\t165.5\t5.8\t0.6-207.6\t\t\nOther\t1.7--\t\t\t---\t\t\t0\t1.7\nTotal\t131.8\t19.7\t3.2\t276.6\t6.2\t(9.8)\t10.9\t438.6\n", "q10k_tbl_270": "2012\t\t\t\t\t\t\nProduct categories\t\t\t\t\t\t\nCash - ABS\t59.2--\t\t(0.1)\t(0.9)--\t\t58.2\nCash - regular\t39.5\t146.9 9.8\t59.9\t8.6\t16.9 12.7\t294.3\nDerivatives - credit\t(0.3)\t(14.0) 4.0\t30.4\t28.4\t5.6 (2.7)\t51.4\nDerivatives - interest rate\t(1.0)-1.5\t\t0.1\t(2.1)\t(0.3)-(1.8)\t\nOther\t13.8--\t\t---\t\t0\t13.8\nTotal\t111.2\t132.9 15.3\t90.3\t34.0\t22.2 10.0\t415.9\n", "q10k_tbl_271": "\tRatings (1)\t\t\t\t\t\t\t\n\t\t\t\t\tNon Investment\t\t\tCapital\n\tAAA\tAA\tA\tBBB\tGrade\tUnrated\tTotal (12) STD PRR (3)\tdeductions\n2013\t£m\t£m\t£m\t£m\t£m\t£m%\t£m\t£m\nTrading book securitisation charge\t8.9\t6.2\t12.7\t35.5\t54.5\t5.4\t123.2 42.9\t932.1\n2012\t\t\t\t\t\t\t\t\nTrading book securitisation charge\t15.5\t7.4\t15.2\t35.3\t75.8\t6.2\t155.4 36.6\t1369.6\n", "q10k_tbl_272": "\tAverage\tPeriod end\tMaximum\tMinimum\n\t£m\t£m\t£m\t£m\n2013\t45\t51\t57\t30\n2012\t46\t21\t65\t20\n2011\t63\t51\t80\t44\n\t\t2013\t2012\t2011\n\t\t£m\t£m\t£m\nEuro\t\t4\t19\t26\nSterling\t\t19\t17\t57\nUS dollar\t\t44\t15\t61\nOther\t\t2\t4\t5\n", "q10k_tbl_273": "\tEuro Sterling\tUS dollar Other\tTotal\n2013\t£m £m\t£m £m\t£m\n+ 100 basis point shift in yield curves\t59 416\t175 31\t681\n− 100 basis point shift in yield curves\t(29) (333)\t(82) (15)\t(459)\nBear steepener\t\t\t403\nBull flattener\t\t\t(273)\n2012\t\t\t\n+ 100 basis point shift in yield curves\t(29) 472\t119 27\t589\n− 100 basis point shift in yield curves\t(20) (257)\t(29) (11)\t(317)\nBear steepener\t\t\t216\nBull flattener\t\t\t(77)\n2011\t\t\t\n+ 100 basis point shift in yield curves\t(19) 190\t59 14\t244\n− 100 basis point shift in yield curves\t25 (188)\t(4) (16)\t(183)\nBear steepener\t\t\t443\nBull flattener\t\t\t(146)\n", "q10k_tbl_274": "\t2013\t2012\nNet interest income\t£m\t£m\nProduct hedges\t\t\nUK Retail\t306\t359\nUK Corporate\t206\t214\nInternational Banking\t73\t83\nTotal product hedges\t585\t656\n", "q10k_tbl_275": "\tNet assets of\t\tNet investments\tNet\tStructural foreign\t\tResidual structural\n\toverseas\tRFS\tin foreign\tinvestment\tcurrency exposures\tEconomic\tforeign currency\n\toperations\tMI\toperations\thedges\tpre-economic hedges\thedges (1)\texposures\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUS dollar\t16176-16176\t\t\t(1581)\t14595\t(3808)\t10787\nEuro\t6606\t9\t6597\t(190)\t6407\t(2226)\t4181\nOther non-sterling\t4233\t372\t3861\t(3185)\t676-676\t\t\n\t27015\t381\t26634\t(4956)\t21678\t(6034)\t15644\n2012\t\t\t\t\t\t\t\nUS dollar\t17313\t1\t17312\t(2476)\t14836\t(3897)\t10939\nEuro\t8903\t2\t8901\t(636)\t8265\t(2179)\t6086\nOther non-sterling\t4754\t260\t4494\t(3597)\t897-897\t\t\n\t30970\t263\t30707\t(6709)\t23998\t(6076)\t17922\n2011\t\t\t\t\t\t\t\nUS dollar\t17570\t1\t17569\t(2049)\t15520\t(4071)\t11449\nEuro\t8428\t(3)\t8431\t(621)\t7810\t(2236)\t5574\nOther non-sterling\t5224\t272\t4952\t(4100)\t852-852\t\t\n\t31222\t270\t30952\t(6770)\t24182\t(6307)\t17875\n", "q10k_tbl_276": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nExchange-traded equity\t368\t472\t576\nPrivate equity\t621\t632\t674\nOther\t623\t799\t1094\n\t1612\t1903\t2344\n", "q10k_tbl_277": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet realised gains arising from disposals\t48\t89\t150\nUnrealised gains included in Tier 1 or 2 capital\t232\t168\t235\n", "q10k_tbl_278": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tAverage\tPeriod end\tMaximum\tMinimum\tAverage\tPeriod end\tMaximum\tMinimum\tAverage\tPeriod end\tMaximum\tMinimum\n\t£m\t£m\t£m\t£m £m\t£m\t£m\t£m\t£m £m\t£m\t£m\nInterest rate\t2.7\t2.4\t4.8\t1.9\t6.9\t4.5\t10.7\t4.1\t8.8\t9.9\t11.1\t5.7\nCredit spread\t8.5\t4.4\t13.3\t4.4\t10.5\t8.8\t15.4\t7.3\t18.2\t13.6\t39.3\t12.1\nCurrency\t1.3\t1.0\t2.8\t1.0\t3.0\t1.3\t4.5\t1.3\t2.1\t4.0\t5.9\t0.1\nEquity\t0.2\t0.1\t0.3\t0\t1.7\t0.3\t1.9\t0.3\t2.1\t1.9\t3.1\t1.6\nDiversification (1)\t\t(2.9)\t\t\t\t(5.4)\t\t\t\t(13.6)\t\t\nTotal\t9.2\t5.0\t13.6\t5.0\t11.8\t9.5\t18.3\t8.5\t19.7\t15.8\t41.6\t13.4\nCore\t8.7\t5.0\t12.7\t5.0\t11.3\t7.5\t19.0\t7.1\t19.3\t15.1\t38.9\t13.5\nNon-Core\t2.2\t0.4\t3.4\t0.4\t2.5\t3.4\t3.6\t1.6\t3.4\t2.5\t4.3\t2.2\nCEM\t0.8\t0.1\t1.1\t0.1\t1.0\t1.0\t1.1\t0.9\t0.4\t0.9\t0.9\t0.3\nTotal (excluding CEM)\t9.0\t5.1\t13.3\t5.0\t11.5\t9.4\t17.8\t8.2\t19.7\t15.5\t41.4\t13.7\n", "q10k_tbl_279": "\tDrawn notional\t\t\t\tFair value\t\t\t\n\tCDOs (1) CLOs (2)\tMBS (3)\tOther ABS (4)\tTotal\tCDOs (1)\tCLOs (2) MBS (3)\tOther ABS (4)\tTotal\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m £m\t£m\t£m\n1-2 years--\t\t0\t4\t4\t---\t\t4\t4\n5-10 years-271\t\t0\t91\t362\t0\t263-68\t\t331\n>10 years\t149-46\t\t103\t298\t51-24\t\t70\t145\n\t149 271\t46\t198\t664\t51\t263 24\t142\t480\n2012\t\t\t\t\t\t\t\t\n1-2 years--\t\t0\t80\t80\t---\t\t74\t74\n2-3 years--\t\t27\t82\t109\t--24\t\t76\t100\n4-5 years--\t\t95-95\t\t\t--86\t\t0\t86\n5-10 years-310\t\t92-402\t\t\t0\t295 44-339\t\t\n>10 years\t289 279\t380\t398\t1346\t116\t256 253\t254\t879\n\t289 589\t594\t560\t2032\t116\t551 407\t404\t1478\n2011\t\t\t\t\t\t\t\t\n1-2 years--\t\t0\t27\t27\t---\t\t22\t22\n2-3 years--\t\t10\t196\t206\t--9\t\t182\t191\n4-5 years-37\t\t37\t95\t169\t0\t34 30\t88\t152\n5-10 years\t32 503\t270\t268\t1073\t30\t455 184\t229\t898\n>10 years\t2180 442\t464\t593\t3679\t766\t371 291\t347\t1775\n\t2212 982\t781\t1179\t5154\t796\t860 514\t868\t3038\n", "q10k_tbl_280": "Country risk\t\n337\tDefinition\n337\tExternal environment\n337\tOutlook\n337\tSources of risk\n337\tGovernance\n338\tRisk management\n338\tRisk measurement\n338\tRisk mitigation\n339\tBasis of reporting\n339\tDefinitions\n340\tCountry exposure\n", "q10k_tbl_281": "\tLending\t\t\t\t\t\t\t\t\t\t\t\t\tCDS notional less fair\t\t\n\tGovt Central banks\tOther banks\tOther FI\tCorporate\tPersonal\tTotal lending\tAFS &\tHFT\t\t\tBalance\tOff- balance\tTotal\t\t\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nIreland\t39 116\t13\t319\t17440\t17667\t35594\t233\t248\t900\t73\t37048\t2711\t39759\t(166)\t2476\t2329\nSpain--\t\t4\t15\t2924\t318\t3261\t4162\t853\t989\t0\t9265\t1981\t11246\t(444)\t4128\t2126\nItaly-22\t\t64\t548\t968\t26\t1628\t519\t1240\t1774\t0\t5161\t1962\t7123\t(734)\t7183\t527\nPortugal--\t\t0\t56\t327\t6\t389\t93\t43\t351\t0\t876\t280\t1156\t(163)\t418\t614\nGreece-1\t\t1\t1\t110\t14\t127\t0\t0\t260\t0\t387\t38\t425\t(12)\t455\t0\nCyprus--\t\t--183\t\t\t10\t193\t0\t2\t16\t0\t211\t18\t229\t0\t16\t0\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nperiphery\t39 139\t82\t939\t21952\t18041\t41192\t5007\t2386\t4290\t73\t52948\t6990\t59938\t(1519)\t14676\t5596\nGermany-3588\t\t402\t683\t3461\t90\t8224\t5168\t2524\t7416\t601\t23933\t7189\t31122\t(1340)\t35529\t1128\nNetherlands-1713\t\t355\t627\t2122\t22\t4839\t4661\t819\t5697\t107\t16123\t9763\t25886\t(356)\t15388\t835\nFrance\t406-1844\t\t195\t1796\t79\t4320\t1692\t1678\t5660\t631\t13981\t9807\t23788\t(1747)\t30644\t7536\nBelgium--\t\t149\t211\t358\t21\t739\t443\t(480)\t2123\t2\t2827\t1170\t3997\t(123)\t2966\t594\nLuxembourg-11\t\t95\t260\t421\t4\t791\t75\t98\t581\t88\t1633\t1043\t2676\t(58)\t1373\t253\nOther\t73-10\t\t36\t743\t18\t880\t510\t331\t918\t74\t2713\t1202\t3915\t(476)\t3554\t622\nTotal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\neurozone\t518 5451\t2937\t2951\t30853\t18275\t60985\t17556\t7356\t26685\t1576\t114158\t37164\t151322\t(5619)\t104130\t16564\nOther countries\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nJapan-1600\t\t431\t61\t670\t35\t2797\t72\t(172)\t2365\t202\t5264\t352\t5616\t4\t9057\t16445\nChina-198\t\t2626\t228\t1515\t33\t4600\t166\t13\t370\t1\t5150\t1689\t6839\t(14)\t372\t830\nIndia-63\t\t759\t69\t2000\t36\t2927\t571\t160\t92\t0\t3750\t813\t4563\t(21)\t190\t45\nRussia-37\t\t741\t5\t947\t53\t1783\t149\t2\t19\t0\t1953\t364\t2317\t(65)\t33\t27\nSouth Korea--\t\t622\t75\t426\t2\t1125\t179\t154\t250\t0\t1708\t681\t2389\t176\t541\t50\nTurkey\t67 59\t148\t101\t1023\t24\t1422\t50\t67\t94\t0\t1633\t324\t1957\t(32)\t119\t998\nBrazil--\t\t842-132\t\t\t3\t977\t0\t268\t84\t0\t1329\t245\t1574\t12\t118\t0\n", "q10k_tbl_282": "\tLending\t\t\t\t\t\tDebt securities\t\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tCDS notional less fair value\tGross\t\n\tGovt Central banks\tOther banks\tOther FI\tCorporate\tPersonal\tTotal lending\tAFS & LAR\tHFT (net)\tDerivatives\tSFT\t\t\tDerivatives SFT\n2012\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nIreland\t42 73\t99\t395\t18185\t17890\t36684\t424\t363\t1213\t503\t39187\t2855\t42042\t(71)\t3244\t4915\nSpain-6\t\t1\t73\t4269\t340\t4689\t4871\t503\t1754\t0\t11817\t1592\t13409\t(375)\t5694\t610\nItaly\t9 21\t222\t707\t1533\t23\t2515\t977\t630\t2358\t0\t6480\t2669\t9149\t(548)\t9653\t3\nPortugal--\t\t0\t128\t450\t7\t585\t180\t35\t514\t0\t1314\t332\t1646\t(126)\t618\t26\nGreece-7\t\t0\t1\t180\t13\t201\t0\t1\t363\t0\t565\t40\t605\t(31)\t609\t0\nCyprus--\t\t--103\t\t\t14\t117\t0\t4\t32\t0\t153\t14\t167\t0\t33\t0\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nperiphery\t51 107\t322\t1304\t24720\t18287\t44791\t6452\t1536\t6234\t503\t59516\t7502\t67018\t(1151)\t19851\t5554\nGermany-20005\t\t508\t712\t4607\t85\t25917\t9263\t3500\t9474\t264\t48418\t7689\t56107\t(1448)\t57285\t8209\nNetherlands\t7 1822\t277\t753\t2931\t26\t5816\t7800\t647\t9047\t335\t23645\t10775\t34420\t(1030)\t23679\t4602\nFrance\t494 9\t2417\t209\t2451\t71\t5651\t2242\t3581\t7515\t698\t19687\t9675\t29362\t(2288)\t45154\t16636\nBelgium--\t\t164\t276\t464\t22\t926\t844\t564\t3130\t0\t5464\t1041\t6505\t(215)\t4902\t476\nLuxembourg-13\t\t149\t493\t600\t4\t1259\t59\t192\t709\t141\t2360\t1285\t3645\t(206)\t2018\t3858\nOther\t126-19\t\t90\t1033\t14\t1282\t576\t666\t1737\t8\t4269\t1380\t5649\t(437)\t5975\t1432\nTotal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\neurozone\t678 21956\t3856\t3837\t36806\t18509\t85642\t27236\t10686\t37846\t1949\t163359\t39347\t202706\t(6775)\t158864\t40767\nOther countries\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nJapan-832\t\t317\t207\t360\t36\t1752\t1548\t4890\t2878\t199\t11267\t577\t11844\t(71)\t13266\t15047\nChina\t2 183\t830\t48\t969\t31\t2063\t201\t61\t916\t1\t3242\t851\t4093\t36\t221\t1818\nIndia-100\t\t1023\t49\t2628\t106\t3906\t683\t391\t74\t0\t5054\t930\t5984\t(43)\t177\t108\nRussia-53\t\t848\t14\t779\t54\t1748\t160\t249\t120\t0\t2277\t518\t2795\t(251)\t124\t15\nSouth Korea-22\t\t771\t101\t287\t3\t1184\t144\t163\t221\t26\t1738\t704\t2442\t(58)\t617\t94\nTurkey\t115 163\t82\t94\t983\t12\t1449\t56\t125\t93\t0\t1723\t481\t2204\t(37)\t111\t449\nBrazil--\t\t564\t69\t137\t3\t773\t14\t582\t197\t0\t1566\t310\t1876\t394\t211\t0\n", "q10k_tbl_283": "\tLending\t\t\t\t\t\tDebt securities\t\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tCDS notional less fair value\tGross\t\n\tGovt Central banks\tOther banks\tOther FI\tCorporate\tPersonal\tTotal lending\tAFS & LAR\tHFT (net)\tDerivatives\tSFT\t\t\tDerivatives SFT\n2011\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nIreland\t45 1467\t137\t320\t19098\t18855\t39922\t488\t398\t1815\t539\t43162\t2872\t46034\t53\t20466\t4622\nSpain\t9 3\t90\t172\t5782\t362\t6418\t6514\t(359)\t2391\t2\t14966\t2598\t17564\t(1013)\t6775\t589\nItaly-73\t\t233\t488\t2454\t23\t3271\t1583\t(325)\t2381\t0\t6910\t3498\t10408\t(452)\t11016\t305\nPortugal--\t\t10-495\t\t\t5\t510\t194\t(81)\t520\t0\t1143\t460\t1603\t55\t634\t217\nGreece\t7 6-31\t\t\t307\t11\t362\t312\t97\t337\t0\t1108\t67\t1175\t1\t524\t0\nCyprus--\t\t0\t2\t139\t13\t154\t0\t2\t24\t0\t180\t39\t219\t0\t25\t182\nEurozone\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nperiphery\t61 1549\t470\t1013\t28275\t19269\t50637\t9091\t(268)\t7468\t541\t67469\t9534\t77003\t(1356)\t39440\t5915\nGermany-18068\t\t665\t311\t7111\t156\t26311\t14083\t1684\t10697\t165\t52940\t7732\t60672\t(2401)\t69209\t6047\nNetherlands\t8 7654\t593\t1184\t4510\t19\t13968\t9252\t641\t9997\t197\t34055\t12825\t46880\t(1295)\t25692\t6225\nFrance\t481 3\t1267\t282\t3742\t78\t5853\t4439\t3355\t8700\t557\t22904\t10085\t32989\t(2846)\t46223\t24606\nBelgium-8\t\t288\t354\t555\t20\t1225\t749\t(97)\t2957\t51\t4885\t1263\t6148\t(99)\t8996\t1949\nLuxembourg--\t\t132\t494\t1363\t2\t1991\t69\t61\t1567\t41\t3729\t1990\t5719\t(404)\t2826\t519\nOther\t121-28\t\t77\t1279\t12\t1517\t624\t84\t1891\t0\t4116\t1297\t5413\t(25)\t10403\t977\nTotal\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\neurozone\t671 27282\t3443\t3715\t46835\t19556\t101502\t38307\t5460\t43277\t1552\t190098\t44726\t234824\t(8426)\t202789\t46238\nOther countries\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nJapan\t2073-694\t\t96\t460\t52\t3375\t3779\t8677\t2443\t191\t18465\t403\t18868\t(365)\t15425\t12678\nChina\t9 178\t1309\t16\t976\t32\t2520\t427\t170\t421\t3\t3541\t1526\t5067\t(62)\t426\t4029\nIndia-275\t\t553\t35\t3017\t127\t4007\t703\t827\t217\t0\t5754\t1281\t7035\t(105)\t554\t72\nRussia-36\t\t970\t8\t901\t60\t1975\t78\t108\t176\t0\t2337\t368\t2705\t(343)\t177\t18\nSouth Korea-5\t\t814\t2\t573\t3\t1397\t280\t565\t250\t145\t2637\t624\t3261\t(22)\t776\t340\nTurkey\t215 193\t252\t455\t1106\t16\t2237\t349\t12\t91\t0\t2689\t456\t3145\t10\t107\t139\nBrazil--\t\t688\t131\t228\t4\t1051\t19\t771\t256\t0\t2097\t384\t2481\t164\t297\t0\n", "q10k_tbl_284": "\t\t\tAFS and LAR debt securities\tAFS reserves\tHFT debt securities\t\tTotal debt securities\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tGross\t\n\tLending\tREIL Provisions\t\tLong Short\t\tDerivatives\tSFT\t\t\tDerivatives SFT\n2013\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment\t39--\t\t140\t(7)\t9\t13\t136\t13\t0\t188\t2\t190\t22\t0\nCentral bank\t116--\t\t0\t0\t0\t0\t0\t0\t0\t116\t0\t116\t0\t0\nOther banks\t13--\t\t47\t(2)\t33\t22\t58\t544\t73\t688\t0\t688\t1810\t2329\nOther FI\t319--\t\t46\t0\t116\t12\t150\t92\t0\t561\t521\t1082\t389\t0\nCorporate\t17440\t11114 8855\t0\t0\t142\t5\t137\t251\t0\t17828\t1677\t19505\t255\t0\nPersonal\t17667\t3306 1846\t0\t0\t0\t0\t0\t0\t0\t17667\t511\t18178\t0\t0\n\t35594\t14420 10701\t233\t(9)\t300\t52\t481\t900\t73\t37048\t2711\t39759\t2476\t2329\n2012\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment\t42--\t\t127\t(23)\t79\t56\t150\t2\t0\t194\t2\t196\t6\t0\nCentral bank\t73--\t\t0\t0\t0\t0\t0\t0\t0\t73\t0\t73\t0\t0\nOther banks\t99--\t\t191\t(6)\t18\t1\t208\t694\t476\t1477\t0\t1477\t2384\t3547\nOther FI\t395--\t\t46\t0\t325\t2\t369\t140\t27\t931\t552\t1483\t471\t1042\nCorporate\t18185\t11058 6226\t60\t0\t0\t0\t60\t376\t0\t18621\t1786\t20407\t382\t326\nPersonal\t17890\t3286 1686\t0\t0\t0\t0\t0\t1\t0\t17891\t515\t18406\t1\t0\n\t36684\t14344 7912\t424\t(29)\t422\t59\t787\t1213\t503\t39187\t2855\t42042\t3244\t4915\n2011\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment\t45--\t\t102\t(45)\t20\t19\t103\t92\t0\t240\t2\t242\t102\t0\nCentral bank\t1467--\t\t0\t0\t0\t0\t0\t0\t0\t1467\t0\t1467\t0\t0\nOther banks\t137--\t\t177\t(39)\t195\t14\t358\t980\t478\t1953\t1\t1954\t19090\t3441\nOther FI\t320--\t\t61\t0\t116\t35\t142\t342\t61\t865\t513\t1378\t857\t1181\nCorporate\t19098\t10269 5689\t148\t3\t135\t0\t283\t400\t0\t19781\t1817\t21598\t416\t0\nPersonal\t18855\t2258 1048\t0\t0\t0\t0\t0\t1\t0\t18856\t539\t19395\t1\t0\n\t39922\t12527 6737\t488\t(81)\t466\t68\t886\t1815\t539\t43162\t2872\t46034\t20466\t4622\n", "q10k_tbl_285": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment\t2287\t2228\t(4)\t(43)\t2486\t2525\t72\t(71)\t2145\t2223\t466\t(481)\nOther banks--\t\t\t0\t0\t43\t32\t1\t(2)\t110\t107\t21\t(21)\nOther FI\t262\t210\t(20)\t12\t758\t676\t21\t(33)\t523\t630\t64\t(74)\nCorporate\t81\t81\t(5)\t5\t164\t159\t(17)\t17\t425\t322\t(11)\t10\n\t2630\t2519\t(29)\t(26)\t3451\t3392\t77\t(89)\t3203\t3282\t540\t(566)\n", "q10k_tbl_286": "\tAQ1\t\tAQ2-AQ3\t\tAQ4-AQ9\t\tAQ10\t\tTotal\t\n\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nBanks\t197\t(6)\t1217\t(3)\t9\t0\t0\t0\t1423\t(9)\nOther FI\t396\t(5)\t771\t(15)\t40\t0\t0\t0\t1207\t(20)\n\t593\t(11)\t1988\t(18)\t49\t0\t0\t0\t2630\t(29)\n2012\t\t\t\t\t\t\t\t\t\t\nBanks\t213\t5\t1455\t41\t32\t(1)\t0\t0\t1700\t45\nOther FI\t529\t17\t969\t7\t253\t8\t0\t0\t1751\t32\n\t742\t22\t2424\t48\t285\t7\t0\t0\t3451\t77\n", "q10k_tbl_287": "\t\t\tAFS and LAR debt securities\tAFS reserves\tHFT debt securities\t\tTotal debt securities\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tGross\t\n\tLending\tREIL Provisions\t\tLong Short\t\tDerivatives\tSFT\t\t\tDerivatives SFT\n2013\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment--\t\t0\t44\t(3)\t1468\t659\t853\t5\t0\t858\t11\t869\t10\t0\nOther banks\t4--\t\t2801\t(221)\t77\t91\t2787\t648\t0\t3439\t13\t3452\t3718\t2126\nOther FI\t15--\t\t1317\t(225)\t103\t40\t1380\t10\t0\t1405\t40\t1445\t37\t0\nCorporate\t2924\t295 152\t0\t0\t7\t12\t(5)\t326\t0\t3245\t1862\t5107\t363\t0\nPersonal\t318\t55 25\t0\t0\t0\t0\t0\t0\t0\t318\t55\t373\t0\t0\n\t3261\t350 177\t4162\t(449)\t1655\t802\t5015\t989\t0\t9265\t1981\t11246\t4128\t2126\n2012\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment--\t\t0\t37\t(10)\t786\t403\t420\t18\t0\t438\t14\t452\t56\t0\nCentral bank\t6--\t\t0\t0\t0\t0\t0\t0\t0\t6\t0\t6\t0\t0\nOther banks\t1--\t\t3169\t(634)\t100\t76\t3193\t1254\t0\t4448\t8\t4456\t5116\t610\nOther FI\t73--\t\t1661\t(540)\t96\t18\t1739\t26\t0\t1838\t140\t1978\t50\t0\nCorporate\t4269\t601 246\t4\t0\t36\t18\t22\t456\t0\t4747\t1374\t6121\t472\t0\nPersonal\t340\t61 27\t0\t0\t0\t0\t0\t0\t0\t340\t56\t396\t0\t0\n\t4689\t662 273\t4871\t(1184)\t1018\t515\t5374\t1754\t0\t11817\t1592\t13409\t5694\t610\n2011\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment\t9--\t\t33\t(15)\t360\t751\t(358)\t35\t0\t(314)\t116\t(198)\t40\t0\nCentral bank\t3--\t\t0\t0\t0\t0\t0\t0\t0\t3\t0\t3\t0\t0\nOther banks\t90--\t\t4892\t(867)\t162\t214\t4840\t1620\t2\t6552\t7\t6559\t5180\t122\nOther FI\t172--\t\t1580\t(639)\t65\t8\t1637\t282\t0\t2091\t169\t2260\t1084\t467\nCorporate\t5782\t1190 442\t9\t0\t27\t0\t36\t454\t0\t6272\t2249\t8521\t471\t0\nPersonal\t362--\t\t0\t0\t0\t0\t0\t0\t0\t362\t57\t419\t0\t0\n\t6418\t1190 442\t6514\t(1521)\t614\t973\t6155\t2391\t2\t14966\t2598\t17564\t6775\t589\n", "q10k_tbl_288": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment\t5164\t5159\t176\t(204)\t5934\t5905\t361\t(359)\t5151\t5155\t538\t(522)\nOther banks\t142\t91\t(3)\t3\t1583\t1609\t34\t(30)\t1965\t1937\t154\t(152)\nOther FI\t571\t446\t8\t5\t1209\t1061\t47\t(28)\t2417\t2204\t157\t(128)\nCorporate\t450\t202\t(5)\t5\t2263\t2011\t7\t(4)\t4831\t3959\t448\t(399)\n\t6327\t5898\t176\t(191)\t10989\t10586\t449\t(421)\t14364\t13255\t1297\t(1201)\n", "q10k_tbl_289": "\tAQ1\t\tAQ2-AQ3\t\tAQ4-AQ9\t\tAQ10\t\tTotal\t\n\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nBanks\t484\t10\t1930\t94\t923\t20\t0\t0\t3337\t124\nOther FI\t948\t2\t1796\t49\t156\t1\t90\t0\t2990\t52\n\t1432\t12\t3726\t143\t1079\t21\t90\t0\t6327\t176\n2012\t\t\t\t\t\t\t\t\t\t\nBanks\t646\t26\t3648\t169\t1409\t65\t0\t0\t5703\t260\nOther FI\t2335\t72\t2539\t109\t324\t8\t88\t0\t5286\t189\n\t2981\t98\t6187\t278\t1733\t73\t88\t0\t10989\t449\n", "q10k_tbl_290": "\t\t\tAFS and LAR debt securities\tAFS reserves\tHFT debt securities\t\tTotal debt securities\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tGross\t\n\tLending\tREIL Provisions\t\tLong Short\t\tDerivatives\tSFT\t\t\tDerivatives SFT\n2013\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment--\t\t0\t428\t(43)\t4403\t3218\t1613\t63\t0\t1676\t0\t1676\t71\t0\nCentral bank\t22--\t\t0\t0\t0\t0\t0\t0\t0\t22\t0\t22\t0\t0\nOther banks\t64--\t\t0\t0\t40\t66\t(26)\t1291\t0\t1329\t7\t1336\t6220\t527\nOther FI\t548--\t\t91\t0\t52\t6\t137\t206\t0\t891\t440\t1331\t210\t0\nCorporate\t968\t88 46\t0\t0\t48\t13\t35\t214\t0\t1217\t1503\t2720\t682\t0\nPersonal\t26--\t\t0\t0\t0\t0\t0\t0\t0\t26\t12\t38\t0\t0\n\t1628\t88 46\t519\t(43)\t4543\t3303\t1759\t1774\t0\t5161\t1962\t7123\t7183\t527\n2012\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment\t9--\t\t408\t(81)\t2781\t2224\t965\t80\t0\t1054\t0\t1054\t131\t0\nCentral bank\t21--\t\t0\t0\t0\t0\t0\t0\t0\t21\t0\t21\t0\t0\nOther banks\t222--\t\t125\t(8)\t42\t54\t113\t1454\t0\t1789\t15\t1804\t8428\t3\nOther FI\t707--\t\t357\t(1)\t23\t1\t379\t100\t0\t1186\t686\t1872\t100\t0\nCorporate\t1533\t34 5\t87\t2\t85\t22\t150\t724\t0\t2407\t1956\t4363\t994\t0\nPersonal\t23--\t\t0\t0\t0\t0\t0\t0\t0\t23\t12\t35\t0\t0\n\t2515\t34 5\t977\t(88)\t2931\t2301\t1607\t2358\t0\t6480\t2669\t9149\t9653\t3\n2011\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment--\t\t0\t704\t(220)\t4336\t4725\t315\t90\t0\t405\t0\t405\t142\t0\nCentral bank\t73--\t\t0\t0\t0\t0\t0\t0\t0\t73\t0\t73\t0\t0\nOther banks\t233--\t\t119\t(14)\t67\t88\t98\t1063\t0\t1394\t28\t1422\t9117\t305\nOther FI\t488--\t\t685\t(15)\t40\t13\t712\t758\t0\t1958\t1489\t3447\t760\t0\nCorporate\t2454\t361 113\t75\t0\t58\t0\t133\t470\t0\t3057\t1968\t5025\t997\t0\nPersonal\t23--\t\t0\t0\t0\t0\t0\t0\t0\t23\t13\t36\t0\t0\n\t3271\t361 113\t1583\t(249)\t4501\t4826\t1258\t2381\t0\t6910\t3498\t10408\t11016\t305\n", "q10k_tbl_291": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment\t11915\t11800\t506\t(707)\t13181\t13034\t717\t(754)\t12125\t12218\t1750\t(1708)\nOther banks\t839\t730\t(19)\t20\t3537\t3488\t163\t(139)\t6078\t5938\t1215\t(1187)\nOther FI\t194\t170\t(4)\t4\t921\t895\t17\t(12)\t872\t762\t60\t(51)\nCorporate\t752\t470\t(23)\t19\t2927\t2598\t48\t(37)\t4742\t4299\t350\t(281)\n\t13700\t13170\t460\t(664)\t20566\t20015\t945\t(942)\t23817\t23217\t3375\t(3227)\n", "q10k_tbl_292": "\tAQ1\t\tAQ2-AQ3\t\tAQ4-AQ9\t\tAQ10\t\tTotal\t\n\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nBanks\t1862\t60\t5754\t261\t2529\t5\t0\t0\t10145\t326\nOther FI\t542\t6\t2966\t128\t0\t0\t47\t0\t3555\t134\n\t2404\t66\t8720\t389\t2529\t5\t47\t0\t13700\t460\n2012\t\t\t\t\t\t\t\t\t\t\nBanks\t2146\t83\t7969\t441\t3281\t105\t0\t0\t13396\t629\nOther FI\t2318\t107\t4469\t197\t271\t12\t112\t0\t7170\t316\n\t4464\t190\t12438\t638\t3552\t117\t112\t0\t20566\t945\n", "q10k_tbl_293": "\t\t\tAFS and LAR debt securities\tAFS reserves\tHFT debt securities\t\tTotal debt securities\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tGross\t\n\tLending REIL\tProvisions\t\tLong Short\t\tDerivatives\tSFT\t\t\tDerivatives SFT\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment--\t\t0\t0\t0\t73\t52\t21\t14\t0\t35\t0\t35\t14\t0\nOther banks--\t\t0\t71\t(5)\t12\t7\t76\t234\t0\t310\t0\t310\t301\t614\nOther FI\t56--\t\t1\t0\t17\t0\t18\t40\t0\t114\t29\t143\t40\t0\nCorporate\t327 127\t99\t21\t0\t0\t0\t21\t63\t0\t411\t243\t654\t63\t0\nPersonal\t6--\t\t0\t0\t0\t0\t0\t0\t0\t6\t8\t14\t0\t0\n\t389 127\t99\t93\t(5)\t102\t59\t136\t351\t0\t876\t280\t1156\t418\t614\n2012\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment--\t\t0\t72\t(18)\t28\t15\t85\t17\t0\t102\t0\t102\t17\t0\nOther banks--\t\t0\t66\t(12)\t5\t0\t71\t380\t0\t451\t0\t451\t481\t26\nOther FI\t128--\t\t1\t0\t21\t11\t11\t38\t0\t177\t34\t211\t38\t0\nCorporate\t450 253\t188\t41\t0\t7\t0\t48\t79\t0\t577\t290\t867\t82\t0\nPersonal\t7--\t\t0\t0\t0\t0\t0\t0\t0\t7\t8\t15\t0\t0\n\t585 253\t188\t180\t(30)\t61\t26\t215\t514\t0\t1314\t332\t1646\t618\t26\n2011\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment--\t\t0\t56\t(59)\t36\t152\t(60)\t19\t0\t(41)\t0\t(41)\t25\t0\nOther banks\t10--\t\t91\t(36)\t12\t2\t101\t389\t0\t500\t2\t502\t497\t217\nOther FI--\t\t0\t5\t0\t7\t0\t12\t30\t0\t42\t192\t234\t30\t0\nCorporate\t495 27\t27\t42\t1\t18\t0\t60\t82\t0\t637\t258\t895\t82\t0\nPersonal\t5--\t\t0\t0\t0\t0\t0\t0\t0\t5\t8\t13\t0\t0\n\t510 27\t27\t194\t(94)\t73\t154\t113\t520\t0\t1143\t460\t1603\t634\t217\n", "q10k_tbl_294": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment\t3068\t3017\t217\t(240)\t3182\t3134\t302\t(275)\t3304\t3413\t997\t(985)\nOther banks\t99\t91\t(1)\t3\t856\t863\t31\t(30)\t1197\t1155\t264\t(260)\nOther FI\t16\t13\t0\t(1)\t149\t148\t6\t(7)\t8\t5\t1\t(1)\nCorporate\t358\t284\t(18)\t13\t1054\t948\t5\t(10)\t366\t321\t68\t(48)\n\t3541\t3405\t198\t(225)\t5241\t5093\t344\t(322)\t4875\t4894\t1330\t(1294)\n", "q10k_tbl_295": "\tAQ1\t\tAQ2-AQ3\t\tAQ4-AQ9\t\tAQ10\t\tTotal\t\n\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nBanks\t497\t32\t1350\t61\t348\t26\t0\t0\t2195\t119\nOther FI\t420\t9\t893\t70\t0\t0\t33\t0\t1346\t79\n\t917\t41\t2243\t131\t348\t26\t33\t0\t3541\t198\n2012\t\t\t\t\t\t\t\t\t\t\nBanks\t502\t34\t1962\t135\t498\t46\t0\t0\t2962\t215\nOther FI\t916\t42\t1226\t89\t105\t(2)\t32\t0\t2279\t129\n\t1418\t76\t3188\t224\t603\t44\t32\t0\t5241\t344\n", "q10k_tbl_296": "\t\t\tAFS and LAR debt securities\tAFS reserves\tHFT debt securities\t\tTotal debt securities\tNet\t\tBalance sheet\tOff- balance sheet\tTotal exposure\tGross\t\n\tLending\tREIL Provisions\t\tLong Short\t\tDerivatives\tSFT\t\t\tDerivatives SFT\n2013\t£m\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment--\t\t0\t0\t0\t0\t0\t0\t0\t0\t0\t0\t0\t106\t0\nCentral bank\t1--\t\t0\t0\t0\t0\t0\t0\t0\t1\t0\t1\t0\t0\nOther banks\t1--\t\t0\t0\t0\t0\t0\t227\t0\t228\t0\t228\t316\t0\nOther FI\t1--\t\t0\t0\t0\t0\t0\t0\t0\t1\t13\t14\t0\t0\nCorporate\t110\t45 38\t0\t0\t0\t0\t0\t33\t0\t143\t16\t159\t33\t0\nPersonal\t14--\t\t0\t0\t0\t0\t0\t0\t0\t14\t9\t23\t0\t0\n\t127\t45 38\t0\t0\t0\t0\t0\t260\t0\t387\t38\t425\t455\t0\n2012\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment--\t\t0\t0\t0\t9\t0\t9\t17\t0\t26\t0\t26\t151\t0\nCentral bank\t7--\t\t0\t0\t0\t0\t0\t0\t0\t7\t0\t7\t0\t0\nOther banks--\t\t0\t0\t0\t0\t0\t0\t299\t0\t299\t0\t299\t411\t0\nOther FI\t1--\t\t0\t0\t0\t8\t(8)\t3\t0\t(4)\t12\t8\t3\t0\nCorporate\t180\t38 38\t0\t0\t0\t0\t0\t44\t0\t224\t19\t243\t44\t0\nPersonal\t13--\t\t0\t0\t0\t0\t0\t0\t0\t13\t9\t22\t0\t0\n\t201\t38 38\t0\t0\t9\t8\t1\t363\t0\t565\t40\t605\t609\t0\n2011\t\t\t\t\t\t\t\t\t\t\t\t\t\t\nGovernment\t7--\t\t312\t0\t102\t5\t409\t0\t0\t416\t0\t416\t71\t0\nCentral bank\t6--\t\t0\t0\t0\t0\t0\t0\t0\t6\t0\t6\t0\t0\nOther banks--\t\t0\t0\t0\t0\t0\t0\t290\t0\t290\t0\t290\t405\t0\nOther FI\t31--\t\t0\t0\t0\t0\t0\t12\t0\t43\t13\t56\t12\t0\nCorporate\t307\t256 256\t0\t0\t0\t0\t0\t35\t0\t342\t45\t387\t36\t0\nPersonal\t11--\t\t0\t0\t0\t0\t0\t0\t0\t11\t9\t20\t0\t0\n\t362\t256 256\t312\t0\t102\t5\t409\t337\t0\t1108\t67\t1175\t524\t0\n", "q10k_tbl_297": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\tNotional\t\tFair value\t\tNotional\t\tFair value\t\tNotional\t\tFair value\t\n\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\tBought\tSold\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nGovernment--\t\t\t0\t0\t0\t0\t0\t0\t3158\t3165\t2228\t(2230)\nOther banks\t2\t2\t1\t(1)\t4\t4\t1\t(1)\t22\t22\t3\t(3)\nOther FI--\t\t\t0\t0\t0\t0\t0\t0\t34\t34\t8\t(8)\nCorporate\t276\t266\t(7)\t5\t534\t502\t54\t(53)\t434\t428\t144\t(142)\n\t278\t268\t(6)\t4\t538\t506\t55\t(54)\t3648\t3649\t2383\t(2383)\n", "q10k_tbl_298": "\tAQ1\t\tAQ2-AQ3\t\tAQ4-AQ9\t\tAQ10\t\tTotal\t\n\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\tNotional\tFair value\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nBanks\t32\t0\t59\t(1)\t1\t(1)\t0\t0\t92\t(2)\nOther FI\t126\t(3)\t26\t(1)\t0\t0\t34\t0\t186\t(4)\n\t158\t(3)\t85\t(2)\t1\t(1)\t34\t0\t278\t(6)\n2012\t\t\t\t\t\t\t\t\t\t\nBanks\t69\t5\t73\t8\t4\t0\t0\t0\t146\t13\nOther FI\t261\t32\t59\t5\t39\t5\t33\t0\t392\t42\n\t330\t37\t132\t13\t43\t5\t33\t0\t538\t55\n", "q10k_tbl_299": "Other risks\t\n350\tConduct risk\n351\tPension risk\n353\tOperational risk\n355\tRegulatory risk\n356\tReputational risk\n357\tBusiness risk\n358\tStrategic risk\n359\tDevelopments in 2014\n", "q10k_tbl_300": "\tChange\tChange\tIncrease in net\n\tin value\tin value of\tpension\n\tof assets\tliabilities\tobligations\n\t£m\t£m\t£m\nAt 31 December 2013\t\t\t\nFall in nominal swap yields of 0.25% at all durations with no change in credit spreads or real swap yields\t217\t333\t(116)\nFall in real swap yields of 0.25% at all durations with no change in credit spreads or nominal swap yields\t595\t895\t(300)\nFall in credit spreads of 0.25% at all durations with no change in nominal or real swap yields\t60\t1245\t(1185)\nFall in equity values of 10%\t(894)-(894)\t\t\nAt 31 December 2012\t\t\t\nFall in nominal swap yields of 0.25% at all durations with no change in credit spreads or real swap yields\t76\t255\t(179)\nFall in real swap yields of 0.25% at all durations with no change in credit spreads or nominal swap yields\t578\t995\t(417)\nFall in credit spreads of 0.25% at all durations with no change in nominal or real swap yields\t71\t1261\t(1190)\nFall in equity values of 10%\t(862)-(862)\t\t\nAt 31 December 2011\t\t\t\nFall in nominal swap yields of 0.25% at all durations with no change in credit spreads or real swap yields\t106\t200\t(94)\nFall in real swap yields of 0.25% at all durations with no change in credit spreads or nominal swap yields\t557\t911\t(354)\nFall in credit spreads of 0.25% at all durations with no change in nominal or real swap yields\t104\t1118\t(1014)\nFall in equity values of 10%\t(935)-(935)\t\t\n", "q10k_tbl_301": "361\tReport of Independent Registered Public Accounting Firm\t\n362\tConsolidated income statement\t\n363\tConsolidated statement of comprehensive income\t\n364\tConsolidated balance sheet\t\n365\tConsolidated statement of changes in equity\t\n368\tConsolidated cash flow statement\t\n369\tAccounting policies\t\n383\tNotes on the consolidated accounts\t\n383\t1\tNet interest income\n384\t2\tNon-interest income\n385\t3\tOperating expenses\n390\t4\tPensions\n395\t5\tAuditor's remuneration\n396\t6\tTax\n397\t7\tProfit attributable to preference shareholders and paid-in equity holders\n397\t8\tOrdinary dividends\n397\t9\tEarnings per ordinary and equivalent B share\n398\t10\tFinancial instruments - classification\n404\t11\tFinancial instruments - valuation\n425\t12\tFinancial instruments - maturity analysis\n428\t13\tFinancial assets - impairments\n430\t14\tDerivatives\n432\t15\tDebt securities\n434\t16\tEquity shares\n435\t17\tIntangible assets\n438\t18\tProperty plant and equipment\n439\t19\tPrepayments accrued income and other assets\n440\t20\tDiscontinued operations and assets and liabilities of disposal groups\n443\t21\tShort positions\n443\t22\tAccruals deferred income and other liabilities\n445\t23\tDeferred tax\n446\t24\tSubordinated liabilities\n453\t25\tNon-controlling interests\n453\t26\tShare capital\n456\t27\tOther equity\n457\t28\tLeases\n459\t29\tStructured entities\n461\t30\tAsset transfers\n462\t31\tCapital resources\n464\t32\tMemorandum items\n475\t33\tNet cash (outflow)/inflow from operating activities\n476\t34\tAnalysis of the net investment in business interests and intangible assets\n476\t35\tInterest received and paid\n476\t36\tAnalysis of changes in financing during the year\n477\t37\tAnalysis of cash and cash equivalents\n478\t38\tSegmental analysis\n486\t39\tDirectors' and key management remuneration\n486\t40\tTransactions with directors and key management\n487\t41\tRelated parties\n488\t42\tPost balance sheet events\n489\t43\tConsolidating financial information\n", "q10k_tbl_302": "\t\t2013\t2012*\t2011*\n\tNote\t£m\t£m\t£m\nInterest receivable\t\t16740\t18530\t21036\nInterest payable\t\t(5759)\t(7128)\t(8733)\nNet interest income\t1\t10981\t11402\t12303\nFees and commissions receivable\t2\t5460\t5709\t6379\nFees and commissions payable\t2\t(942)\t(834)\t(962)\nIncome from trading activities\t2\t2685\t1675\t2701\nGain on redemption of own debt\t2\t175\t454\t255\nOther operating income\t2\t1398\t(465)\t3975\nNon-interest income\t\t8776\t6539\t12348\nTotal income\t\t19757\t17941\t24651\nStaff costs\t\t(7163)\t(8188)\t(8562)\nPremises and equipment\t\t(2348)\t(2232)\t(2423)\nOther administrative expenses\t\t(7244)\t(5593)\t(4436)\nDepreciation and amortisation\t\t(1410)\t(1802)\t(1839)\nWrite-down of goodwill and other intangible assets\t\t(1403)\t(124)\t(80)\nOperating expenses\t3\t(19568)\t(17939)\t(17340)\nProfit before impairment losses\t\t189\t2\t7311\nImpairment losses\t13\t(8432)\t(5279)\t(8707)\nOperating loss before tax\t\t(8243)\t(5277)\t(1396)\nTax charge\t6\t(382)\t(441)\t(1075)\nLoss from continuing operations\t\t(8625)\t(5718)\t(2471)\nProfit/(loss) from discontinued operations net of tax\t\t\t\t\n- Direct Line Group\t20\t127\t(184)\t301\n- Other\t20\t21\t12\t47\nProfit/(loss) from discontinued operations net of tax\t\t148\t(172)\t348\nLoss for the year\t\t(8477)\t(5890)\t(2123)\nLoss attributable to:\t\t\t\t\nNon-controlling interests\t\t120\t(136)\t28\nPreference shareholders\t7\t349\t273\t0\nPaid-in equity holders\t7\t49\t28\t0\nOrdinary and B shareholders\t\t(8995)\t(6055)\t(2151)\n\t\t(8477)\t(5890)\t(2123)\nPer ordinary and equivalent B share (1)\t\t\t\t\nBasic and diluted loss from continuing operations\t9\t(81.3p)\t(54.5p)\t(22.7p)\nBasic and diluted loss from continuing and discontinued operations\t9\t(80.3p)\t(55.0p)\t(19.9p)\n*Restated\t\t\t\t\n", "q10k_tbl_303": "\t2013\t2012*\t2011*\nNote\t£m\t£m\t£m\nLoss for the year\t(8477)\t(5890)\t(2123)\nItems that do not qualify for reclassification\t\t\t\nActuarial gains/(losses) on defined benefit plans 4\t446\t(2158)\t(375)\nTax\t(246)\t352\t34\n\t200\t(1806)\t(341)\nItems that do qualify for reclassification\t\t\t\nAvailable-for-sale financial assets\t(406)\t645\t2258\nCash flow hedges\t(2291)\t1006\t1424\nCurrency translation\t(229)\t(900)\t(440)\nTax\t1014\t(152)\t(1558)\n\t(1912)\t599\t1684\nOther comprehensive (loss)/income after tax\t(1712)\t(1207)\t1343\nTotal comprehensive loss for the year\t(10189)\t(7097)\t(780)\nTotal comprehensive loss is attributable to:\t\t\t\nNon-controlling interests\t137\t(129)\t(24)\nPreference shareholders\t349\t273\t0\nPaid-in equity holders\t49\t28\t0\nOrdinary and B shareholders\t(10724)\t(7269)\t(756)\n\t(10189)\t(7097)\t(780)\n* Restated\t\t\t\n", "q10k_tbl_304": "\t\t2013\t2012*\t2011*\n\tNote\t£m\t£m\t£m\nAssets\t\t\t\t\nCash and balances at central banks\t10\t82659\t79290\t79269\nLoans and advances to banks\t10\t54071\t63951\t83310\nLoans and advances to customers\t10\t440722\t500135\t515606\nDebt securities subject to repurchase agreements\t30\t55554\t91173\t79480\nOther debt securities\t\t58045\t66265\t129600\nDebt securities\t15\t113599\t157438\t209080\nEquity shares\t16\t8811\t15232\t15183\nSettlement balances\t\t5591\t5741\t7771\nDerivatives\t14\t288039\t441903\t529618\nIntangible assets\t17\t12368\t13545\t14858\nProperty plant and equipment\t18\t7909\t9784\t11868\nDeferred tax\t23\t3478\t3443\t3878\nPrepayments accrued income and other assets\t19\t7614\t7820\t10976\nAssets of disposal groups\t20\t3017\t14013\t25450\nTotal assets\t\t1027878\t1312295\t1506867\nLiabilities\t\t\t\t\nDeposits by banks\t10\t63979\t101405\t108804\nCustomer accounts\t10\t470880\t521279\t502955\nDebt securities in issue\t10\t67819\t94592\t162621\nSettlement balances\t\t5313\t5878\t7477\nShort positions\t21\t28022\t27591\t41039\nDerivatives\t14\t285526\t434333\t523983\nAccruals deferred income and other liabilities\t22\t16017\t14801\t23204\nRetirement benefit liabilities\t4\t3210\t3884\t2239\nDeferred tax\t23\t507\t1141\t1945\nInsurance liabilities\t\t--6233\t\t\nSubordinated liabilities\t24\t24012\t26773\t26319\nLiabilities of disposal groups\t20\t3378\t10170\t23995\nTotal liabilities\t\t968663\t1241847\t1430814\nNon-controlling interests\t25\t473\t1770\t686\nOwners' equity\t26 27\t58742\t68678\t75367\nTotal equity\t\t59215\t70448\t76053\nTotal liabilities and equity\t\t1027878\t1312295\t1506867\n*Restated\t\t\t\t\n", "q10k_tbl_305": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nCalled-up share capital\t\t\t\nAt 1 January\t6582\t15318\t15125\nOrdinary shares issued\t132\t197\t193\nShare capital sub-division and consolidation-(8933)\t\t\t0\nAt 31 December\t6714\t6582\t15318\nPaid-in equity\t\t\t\nAt 1 January and 31 December (1)\t979\t979\t979\nShare premium account\t\t\t\nAt 1 January\t24361\t24001\t23922\nOrdinary shares issued\t306\t360\t79\nAt 31 December\t24667\t24361\t24001\nMerger reserve\t\t\t\nAt 1 January\t13222\t13222\t13272\nTransfer to retained earnings--\t\t\t(50)\nAt 31 December\t13222\t13222\t13222\nAvailable-for-sale reserve\t\t\t\nAt 1 January\t(346)\t(957)\t(2037)\nUnrealised gains\t607\t1939\t1769\nRealised (gains)/losses\t(891)\t(1319)\t486\nTax\t432\t50\t(1175)\nTransfer to retained earnings-(59)\t\t\t0\nRecycled to profit or loss on disposal of businesses (2)\t(110)--\t\t\nAt 31 December\t(308)\t(346)\t(957)\nCash flow hedging reserve\t\t\t\nAt 1 January\t1666\t879\t(140)\nAmount recognised in equity\t(967)\t2093\t2417\nAmount transferred from equity to earnings\t(1324)\t(1087)\t(993)\nTax\t541\t(219)\t(405)\nAt 31 December\t(84)\t1666\t879\n*Restated\t\t\t\n", "q10k_tbl_306": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nForeign exchange reserve\t\t\t\nAt 1 January\t3908\t4775\t5138\nRetranslation of net assets\t(325)\t(1056)\t(382)\nForeign currency gains/(losses) on hedges of net assets\t105\t177\t(10)\nTax\t6\t17\t23\nTransfer to retained earnings-(2)\t\t\t0\nRecycled to profit or loss on disposal of businesses\t(3)\t(3)\t6\nAt 31 December\t3691\t3908\t4775\nCapital redemption reserve\t\t\t\nAt 1 January\t9131\t198\t198\nShare capital sub-division and consolidation-8933\t\t\t0\nAt 31 December\t9131\t9131\t198\nContingent capital reserve\t\t\t\nAt 1 January\t(1208)\t(1208)\t(1208)\nTransfer to retained earnings\t1208--\t\t\nAt 31 December-(1208)\t\t\t(1208)\nRetained earnings\t\t\t\nAt 1 January\t10596\t18929\t21239\nTransfer to non-controlling interests-(361)\t\t\t0\n(Loss)/profit attributable to ordinary and B shareholders and other equity owners\t\t\t\n- continuing operations\t(8708)\t(5694)\t(2457)\n- discontinued operations\t111\t(60)\t306\nEquity preference dividends paid\t(349)\t(273)\t0\nPaid-in equity dividends paid net of tax\t(49)\t(28)\t0\nTransfer from available-for-sale reserve-59\t\t\t0\nTransfer from foreign exchange reserve-2\t\t\t0\nTransfer from merger reserve--\t\t\t50\nTransfer from contingent capital reserve\t(1208)--\t\t\nTermination of contingent capital agreement\t320--\t\t\nActuarial gains/(losses) recognised in retirement benefit schemes\t\t\t\n- gross\t446\t(2158)\t(375)\n- tax\t(246)\t352\t34\nLoss on disposal of own shares held\t(18)\t(196)\t0\nShares issued under employee share schemes\t(77)\t(87)\t(58)\nShare-based payments\t\t\t\n- gross\t48\t117\t200\n- tax\t1\t(6)\t(10)\nAt 31 December\t867\t10596\t18929\nOwn shares held\t\t\t\nAt 1 January\t(213)\t(769)\t(808)\nDisposal of own shares\t75\t441\t20\nShares issued under employee share schemes\t1\t115\t19\nAt 31 December\t(137)\t(213)\t(769)\nOwners' equity at 31 December\t58742\t68678\t75367\n*Restated\t\t\t\n", "q10k_tbl_307": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nNon-controlling interests (see Note 25)\t\t\t\nAt 1 January\t1770\t686\t1171\nCurrency translation adjustments and other movements\t(6)\t(18)\t(54)\nProfit/(loss) attributable to non-controlling interests\t\t\t\n- continuing operations\t83\t(24)\t(14)\n- discontinued operations\t37\t(112)\t42\nDividends paid\t(5)-(40)\t\t\nMovements in available-for-sale securities\t\t\t\n- unrealised gains\t8\t3\t1\n- realised losses\t21\t22\t2\n- tax\t(1)-(1)\t\t\n- recycled to profit or loss on disposal of businesses (3)\t(5)--\t\t\nEquity raised-875\t\t\t0\nEquity withdrawn and disposals\t(1429)\t(23)\t(421)\nTransfer from retained earnings-361\t\t\t0\nAt 31 December\t473\t1770\t686\nTotal equity at 31 December\t59215\t70448\t76053\nTotal comprehensive loss recognised in the statement of changes in equity is attributable to:\t\t\t\nNon-controlling interests\t137\t(129)\t(24)\nPreference shareholders\t349\t273\t0\nPaid-in equity holders\t49\t28\t0\nOrdinary and B shareholders\t(10724)\t(7269)\t(756)\n\t(10189)\t(7097)\t(780)\n*Restated\t\t\t\n", "q10k_tbl_308": "\t2013\t2012*\t2011*\n\tNote £m\t£m\t£m\nOperating activities\t\t\t\nOperating loss before tax\t(8243)\t(5277)\t(1396)\nOperating profit/(loss) before tax on discontinued operations\t177\t(111)\t482\nAdjustments for:\t\t\t\nDepreciation and amortisation\t1410\t1854\t1875\nWrite-down of goodwill and other intangible assets\t1403\t518\t91\nInterest on subordinated liabilities\t886\t841\t740\nCharge for defined benefit pension schemes\t517\t558\t555\nPension scheme curtailment and settlement gains\t(7)\t(41)\t0\nCash contribution to defined benefit pension schemes\t(821)\t(977)\t(1059)\nGain on redemption of own debt\t(175)\t(454)\t(255)\nProvisions for impairment losses\t8432\t5283\t8709\nLoans and advances written-off net of recoveries\t(4090)\t(3925)\t(4000)\nElimination of foreign exchange differences\t(47)\t7140\t2702\nOther non-cash items\t(947)\t(1491)\t(1491)\nNet cash flows from trading activities\t(1505)\t3918\t6953\nChanges in operating assets and liabilities\t(28780)\t(48736)\t(3444)\nNet cash flows from operating activities before tax\t(30285)\t(44818)\t3509\nIncome taxes paid\t(346)\t(295)\t(184)\nNet cash flows from operating activities\t33 (30631)\t(45113)\t3325\nInvesting activities\t\t\t\nSale and maturity of securities\t41772\t49079\t80093\nPurchase of securities\t(22561)\t(22987)\t(77019)\nSale of property plant and equipment\t1448\t2215\t1840\nPurchase of property plant and equipment\t(626)\t(1484)\t(3472)\nNet divestment of/(investment in) business interests and intangible assets\t34 1150\t352\t(1428)\nNet cash flows from investing activities\t21183\t27175\t14\nFinancing activities\t\t\t\nIssue of ordinary shares\t264\t120\t2\nIssue of subordinated liabilities\t1796\t2093\t0\nIssue of exchangeable bonds\t330--\t\t\nProceeds of non-controlling interests issued\t0\t889\t0\nRedemption of non-controlling interests\t(301)\t(23)\t(382)\nDisposal of own shares\t44\t243\t20\nRepayment of subordinated liabilities\t(3500)\t(258)\t(627)\nDividends paid\t(403)\t(301)\t(40)\nInterest on subordinated liabilities\t(958)\t(746)\t(714)\nNet cash flows from financing activities\t(2728)\t2017\t(1741)\nEffects of exchange rate changes on cash and cash equivalents\t512\t(3893)\t(1473)\nNet (decrease)/increase in cash and cash equivalents\t(11664)\t(19814)\t125\nCash and cash equivalents at 1 January\t132841\t152655\t152530\nCash and cash equivalents at 31 December\t37 121177\t132841\t152655\n*Restated\t\t\t\n", "q10k_tbl_309": "1 Net interest income\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nLoans and advances to customers\t15125\t16188\t17827\nLoans and advances to banks\t430\t493\t680\nDebt securities\t1185\t1849\t2529\nInterest receivable\t16740\t18530\t21036\nCustomer accounts: demand deposits\t670\t853\t1149\nCustomer accounts: savings deposits\t1367\t1612\t1307\nCustomer accounts: other time deposits\t794\t1026\t1075\nDeposits by banks\t406\t600\t982\nDebt securities in issue\t1307\t2023\t3371\nSubordinated liabilities\t886\t815\t740\nInternal funding of trading businesses\t329\t199\t109\nInterest payable\t5759\t7128\t8733\nNet interest income\t10981\t11402\t12303\n", "q10k_tbl_310": "2 Non-interest income\t2013\t2012\t2011\n\t£m\t£m\t£m\nFees and commissions receivable\t\t\t\nPayment services\t1432\t1368\t1498\nCredit and debit card fees\t1078\t1088\t1093\nLending (credit facilities)\t1377\t1480\t1707\nBrokerage\t479\t548\t631\nTrade finance\t300\t314\t410\nInvestment management\t450\t471\t525\nOther\t344\t440\t515\n\t5460\t5709\t6379\nFees and commissions payable\t\t\t\nBanking\t(942)\t(834)\t(962)\nIncome from trading activities (1)\t\t\t\nForeign exchange\t854\t654\t1327\nInterest rate\t596\t1932\t760\nCredit\t998\t737\t(308)\nChanges in fair value of own debt and derivative liabilities attributable to own credit\t\t\t\n- debt securities in issue\t131\t(1473)\t225\n- derivative liabilities\t(96)\t(340)\t68\nEquities\t209\t164\t606\nCommodities and other\t(7)\t1\t23\n\t2685\t1675\t2701\nGain on redemption of own debt (2)\t175\t454\t255\nOther operating income\t\t\t\nOperating lease and other rental income\t484\t876\t1307\nChanges in the fair value of own debt designated as at fair value through profit or loss attributable to\t\t\t\nown credit risk (3)\t\t\t\n- debt securities in issue\t(49)\t(2531)\t1259\n- subordinated liabilities\t(106)\t(305)\t362\nOther changes in the fair value of financial assets and liabilities designated as at fair value through profit\t\t\t\nor loss and related derivatives\t(26)\t146\t150\nChanges in the fair value of investment properties\t(281)\t(153)\t(139)\nProfit on sale of securities\t830\t1146\t829\nProfit on sale of property plant and equipment\t44\t34\t22\nProfit on sale of subsidiaries and associates\t168\t95\t(30)\nDividend income\t87\t59\t54\nShare of profits of associated entities\t320\t29\t26\nOther income (4)\t(73)\t139\t135\n\t1398\t(465)\t3975\n", "q10k_tbl_311": "3 Operating expenses\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nSalaries\t4429\t4748\t5025\nVariable compensation\t588\t716\t975\nTemporary and contract costs\t650\t699\t786\nSocial security costs\t486\t562\t615\nShare-based compensation\t49\t126\t197\nPension costs\t\t\t\n- defined benefit schemes (see Note 4)\t517\t528\t554\n- curtailment and settlement gains (see Note 4)\t(7)\t(41)\t0\n- defined contribution schemes\t76\t29\t57\nSeverance\t69\t426\t135\nOther\t306\t395\t218\nStaff costs\t7163\t8188\t8562\nPremises and equipment\t2348\t2232\t2423\nOther administrative expenses (1)\t7244\t5593\t4436\nProperty plant and equipment (see Note 18)\t853\t1097\t1254\nIntangible assets (see Note 17)\t557\t705\t585\nDepreciation and amortisation\t1410\t1802\t1839\nWrite-down of goodwill and other intangible assets (see Note 17)\t1403\t124\t80\n\t19568\t17939\t17340\n*Restated\t\t\t\n", "q10k_tbl_312": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nStaff costs--\t\t\t38\nPremises and equipment\t1\t(2)\t6\nOther administrative expenses\t1\t2\t51\nDepreciation and amortisation--\t\t\t11\n\t2-106\t\t\n", "q10k_tbl_313": "Restructuring costs included in operating expenses comprise:\t2013\t2012\t2011\n\t£m\t£m\t£m\nStaff costs\t194\t700\t342\nPremises and equipment\t112\t141\t155\nOther administrative expenses\t177\t261\t268\nDepreciation and amortisation\t6\t142\t0\n\t489\t1244\t765\n", "q10k_tbl_314": "Divestment costs included in operating expenses comprise:\t2013\t2012\t2011\n\t£m\t£m\t£m\nStaff costs\t86\t111\t84\nPremises and equipment\t2\t(2)\t11\nOther administrative expenses\t77\t62\t50\n\t165\t171\t145\n", "q10k_tbl_315": "\t2013\t2012\t2011\nUK Retail\t25300\t27600\t29500\nUK Corporate\t13300\t13000\t13400\nWealth\t4800\t5000\t5300\nInternational Banking\t4100\t4100\t5000\nUlster Bank\t4700\t4400\t4400\nUS Retail & Commercial\t18700\t19200\t20000\nRetail & Commercial\t70900\t73300\t77600\nMarkets\t9400\t9900\t12400\nCentral items\t6700\t5900\t5300\nNon-Core\t1100\t2900\t4100\nBusiness Services\t26600\t26700\t27500\nIntegration and restructuring\t200\t500\t600\nTotal\t114900\t119200\t127500\nUK\t68700\t71200\t76600\nUSA\t21400\t22300\t23100\nEurope\t8400\t9200\t9800\nRest of the World\t16400\t16500\t18000\nTotal\t114900\t119200\t127500\nThere were no people employed in discontinued operations at 31 December 2013 (2012 - 14300; 2011 - 15100).\t\t\t\n", "q10k_tbl_316": "Award plan\tEligible employees\tNature of award (1)\tVesting conditions (2)\tSettlement\nSharesave\tUK Republic of Ireland Channel Islands Gibraltar and Isle of Man\tOption to buy shares under employee savings plan\tContinuing employment or leavers in certain circumstances\t2014 to 2019\nDeferred performance awards\tAll\tAwards of ordinary shares\tContinuing employment or leavers in certain circumstances\t2014 to 2016\nRestricted share awards\tSenior employees\tAwards of conditional shares\tContinuing employment or leavers in certain circumstances and/or achievement of performance conditions\t2014 to 2015\nLong-term incentives (3)\tSenior employees\tAwards of conditional shares or share options\tContinuing employment or leavers in certain circumstances and/or achievement of performance conditions\t2014 to 2019\n", "q10k_tbl_317": "\t2013\t\t2012\t\t2011\t\n\tAverage\tShares\tAverage\tShares\tAverage\tShares\n\texercise price\tunder option\texercise price\tunder option\texercise price\tunder option\n\t£\t(million)\t£\t(million)\t£\t(million)\nAt 1 January\t2.86\t57\t3.36\t64\t4.88\t101\nGranted\t2.96\t13\t2.49\t14\t2.33\t30\nExercised\t2.36\t0\t2.37\t0\t3.80\t(1)\nCancelled\t3.38\t(8)\t3.76\t(21)\t4.11\t(66)\nAt 31 December\t2.90\t62\t2.86\t57\t3.36\t64\n", "q10k_tbl_318": "Deferred performance awards\t2013\t\t2012\t\t2011\t\n\tValue at\tShares\tValue at\tShares\tValue at\tShares\n\tgrant\tawarded\tgrant\tawarded\tgrant\tawarded\n\t£m\t(million)\t£m\t(million)\t£m\t(million)\nAt 1 January\t261\t73\t756\t191\t1009\t267\nGranted\t113\t36\t141\t50\t258\t58\nForfeited\t(48)\t(14)\t(98)\t(25)\t(47)\t(13)\nVested\t(146)\t(40)\t(538)\t(143)\t(464)\t(121)\nAt 31 December\t180\t55\t261\t73\t756\t191\nThe awards granted in 2013 vest evenly over the following three anniversaries.\t\t\t\t\t\t\n", "q10k_tbl_319": "Restricted share awards\t2013\t\t2012\t\t2011\t\n\tValue at\tShares\tValue at\tShares\tValue at\tShares\n\tgrant\tawarded\tgrant\tawarded\tgrant\tawarded\n\t£m\t(million)\t£m\t(million)\t£m\t(million)\nAt 1 January\t16\t3\t100\t30\t110\t34\nExercised\t(9)\t(2)\t(49)\t(17)\t(6)\t(3)\nLapsed\t(7)\t(1)\t(35)\t(10)\t(4)\t(1)\nAt 31 December--\t\t\t16\t3\t100\t30\nThe market value of awards exercised in 2013 was £6 million (2012 - £45 million; 2011 - £11 million).\t\t\t\t\t\t\n", "q10k_tbl_320": "Long-term incentives\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\tValue\tShares\tOptions\tValue\tShares\tOptions\tValue\tShares\tOptions\n\tat grant\tawarded\tover shares\tat grant\tawarded\tover shares\tat grant\tawarded\tover shares\n\t£m\t(million)\t(million)\t£m\t(million)\t(million)\t£m\t(million)\t(million)\nAt 1 January\t375\t98\t20\t345\t58\t37\t219\t25\t38\nGranted\t109\t35\t0\t157\t59\t0\t154\t37\t1\nExercised\t(51)\t(11)\t(3)\t(15)\t(4)\t(1)\t(6)\t(1)\t0\nLapsed\t(113)\t(28)\t(4)\t(112)\t(15)\t(16)\t(22)\t(3)\t(2)\nAt 31 December\t320\t94\t13\t375\t98\t20\t345\t58\t37\n", "q10k_tbl_321": "Variable compensation awards\t\t\t\t\t\t\nThe following tables analyse the Group and Markets variable compensation awards for 2013 (1).\t\t\t\t\t\t\n\tGroup\t\t\tMarkets\t\t\n\t2013\t2012\tChange\t2013\t2012\tChange\n\t£m%\t£m\t\t£m%\t£m\t\nNon-deferred cash awards (2)\t67\t73\t(8)\t9\t10\t(10)\nNon-deferred share awards-27\t\t\t(100)\t0\t17\t(100)\nTotal non-deferred variable compensation\t67\t100\t(33)\t9\t27\t(67)\nDeferred bond awards\t188\t497\t(62)\t43\t212\t(80)\nDeferred share awards\t321\t82\t291\t185\t48\t285\nTotal deferred variable compensation\t509\t579\t(12)\t228\t260\t(12)\nTotal variable compensation (3)\t576\t679\t(15)\t237\t287\t(17)\nVariable compensation as a % of operating profit (4)\t19%\t19%\t\t27%\t16%\t\nProportion of variable compensation that is deferred\t88%\t85%\t\t96%\t91%\t\n- Of which deferred bond awards\t37%\t86%\t\t19%\t82%\t\n- Of which deferred share awards\t63%\t14%\t\t81%\t18%\t\n", "q10k_tbl_322": "\t2013\t2012\t2011\nReconciliation of variable compensation awards to income statement charge\t£m\t£m\t£m\nVariable compensation awarded\t576\t679\t789\nLess: deferral of charge for amounts awarded for current year\t(245)\t(262)\t(298)\nIncome statement charge for amounts awarded in current year\t331\t417\t491\nAdd: current year charge for amounts deferred from prior years\t294\t355\t484\nLess: forfeiture of amounts deferred from prior years\t(37)\t(56)\t0\nIncome statement charge for amounts deferred from prior years\t257\t299\t484\nIncome statement charge for variable compensation (3)\t588\t716\t975\n", "q10k_tbl_323": "\tActual\t\tExpected\t\n\t\t\t\t2015\nYear in which income statement charge is expected to be taken\t2011 2012\t2013\t2014\tand beyond\nfor deferred variable compensation\t£m £m\t£m\t£m\t£m\nVariable compensation deferred from 2011 and earlier\t484 414\t105\t5\t0\nVariable compensation deferred from 2012--\t\t199\t39\t24\nClawback of variable compensation deferred from prior years-(59)\t\t(10)\t(3)\t0\nLess: forfeiture of amounts deferred from prior years-(56)\t\t(37)\t0\t0\nVariable compensation for 2013 deferred--\t\t0\t170\t76\n\t484 299\t257\t211\t100\n", "q10k_tbl_324": "\tMain scheme\t\t\tAll schemes\t\t\nPrincipal actuarial assumptions\t2013\t2012*\t2011*\t2013\t2012*\t2011*\n(weighted average)%\t\t%%\t\t%%\t\t%\nDiscount rate (1)\t4.7\t4.5\t5.0\t4.5\t4.4\t5.2\nExpected return on plan assets (1)\t4.7\t4.5\t5.0\t4.5\t4.4\t5.2\nRate of increase in salaries\t1.8\t1.8\t1.8\t1.8\t1.7\t2.0\nRate of increase in pensions in payment\t3.1\t2.8\t3.0\t2.9\t2.6\t2.9\nInflation assumption\t3.3\t2.9\t3.0\t3.2\t2.8\t3.0\n*Restated\t\t\t\t\t\t\n", "q10k_tbl_325": "\tMain scheme\t\t\tAll schemes\t\t\nMajor classes of plan assets as a percentage of total\t2013\t2012\t2011\t2013\t2012\t2011\nplan assets%\t\t%%\t\t%%\t\t%\nQuoted assets\t\t\t\t\t\t\nQuoted equities\t\t\t\t\t\t\n- Consumer industry\t4.2\t4.2\t4.7\t4.3\t4.4\t4.9\n- Manufacturing industry\t4.0\t5.6\t5.3\t4.1\t6.0\t5.5\n- Energy and utilities\t3.6\t4.1\t2.5\t3.6\t4.4\t2.6\n- Financial institutions\t3.9\t4.1\t3.6\t3.9\t4.4\t3.8\n- Technology and telecommunications\t4.7\t4.9\t4.8\t4.7\t5.3\t4.9\n- Other\t3.5\t0.5\t0\t3.7\t0.5\t1.6\nPrivate equity\t4.9\t5.4\t5.8\t4.4\t4.7\t4.9\nIndex-linked bonds\t29.0\t30.7\t26.1\t28.3\t28.7\t24.3\nGovernment fixed interest bonds\t2.1\t1.9\t0.9\t2.2\t2.9\t2.8\nCorporate fixed interest bonds\t19.5\t19.5\t23.1\t19.6\t19.5\t21.5\nUnquoted assets\t\t\t\t\t\t\nCorporate and other bonds\t2.1\t1.6\t0.8\t1.9\t1.5\t0.7\nHedge funds\t5.2\t2.2\t2.5\t5.1\t2.5\t2.4\nReal estate\t4.0\t4.3\t3.5\t4.0\t4.2\t3.6\nDerivatives\t3.0\t2.2\t2.4\t2.8\t2.0\t2.1\nCash and other assets\t6.0\t8.7\t13.8\t7.1\t9.0\t13.7\nEquity exposure of equity futures\t8.0\t9.0\t17.7\t8.0\t8.4\t15.7\nCash exposure of equity futures\t(7.7)\t(8.9)\t(17.5)\t(7.7)\t(8.4)\t(15.0)\n\t100.0\t100.0\t100.0\t100.0\t100.0\t100.0\n", "q10k_tbl_326": "The Main scheme's holdings of derivative instruments are summarised in the table below:\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\tNotional\tFair value\t\tNotional\tFair value\t\tNotional\tFair value\t\n\tamounts\tAssets\tLiabilities\tamounts\tAssets\tLiabilities\tamounts\tAssets\tLiabilities\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nInflation rate swaps\t6273\t258\t141\t5474\t20\t335\t2585\t67\t178\nInterest rate swaps\t22108\t3283\t2867\t19304\t3424\t2811\t15149\t2232\t1864\nTotal return swaps\t187\t1\t0\t515\t6\t0\t2085\t169\t0\nCurrency swaps\t2196\t813\t720\t2539\t326\t259\t2861\t116\t117\nCredit default swaps\t900\t13\t16\t709\t11\t12\t238\t6\t0\nEquity and bond futures\t1904\t71\t2\t2109\t16\t17\t3745\t80\t10\nCurrency forwards\t9182\t66\t0\t8551\t41\t0\t2078\t8\t0\nEquity and bond call options\t4102\t108\t63\t963\t94\t0\t814\t67\t4\nEquity and bond put options\t4071\t11\t90\t963\t13\t31\t665\t11\t0\n", "q10k_tbl_327": "Post-retirement mortality assumptions (Main scheme)\t2013\t2012\t2011\nLongevity at age 60 for current pensioners (years)\t\t\t\nMales\t27.6\t27.3\t27.2\nFemales\t29.5\t29.2\t29.1\nLongevity at age 60 for future pensioners currently aged 40 (years)\t\t\t\nMales\t28.6\t29.4\t29.3\nFemales\t30.8\t31.0\t30.9\n", "q10k_tbl_328": "\tMain scheme\t\tAll schemes\t\t\n\tPresent value\t\t\tPresent value\t\n\tFair value of defined\t\tFair value\tof defined\t\n\tof plan benefit\tNet pension\tof plan\tbenefit\tNet pension\n\tassets obligation\tdeficit\tassets\tobligation\tdeficit\nChanges in value of net pension deficit*\t£m £m\t£m\t£m\t£m\t£m\nAt 1 January 2012\t21111 22955\t1844\t25086\t27137\t2051\nCurrency translation and other adjustments--\t\t0\t(65)\t(77)\t(12)\nIncome statement\t\t\t\t\t\nExpected return\t1028\t(1028)\t1211\t\t(1211)\nInterest cost\t1129\t1129\t\t1320\t1320\nCurrent service cost\t267\t267\t\t367\t367\nPast service cost\t81\t81\t\t82\t82\nGains on curtailments and settlements\t0\t0\t\t(41)\t(41)\n\t1028 1477\t449\t1211\t1728\t517\nStatement of comprehensive income\t\t\t\t\t\n- Experience gains and losses\t301 232\t(69)\t485\t207\t(278)\n- Actuarial gains and losses due to changes in financial assumptions-1750\t\t1750\t0\t2402\t2402\n- Actuarial gains and losses due to changes in demographic assumptions-6\t\t6\t0\t34\t34\n\t301 1988\t1687\t485\t2643\t2158\nContributions by employer\t773-(773)\t\t977-(977)\t\t\nContributions by plan participants and other scheme members--\t\t0\t10\t10\t0\nBenefits paid\t(772) (772)\t0\t(910)\t(910)\t0\nAssets and obligations extinguished on settlements--\t\t0\t(360)\t(360)\t0\nTransfer to disposal groups--\t\t0\t(64)\t(61)\t3\nAt 1 January 2013\t22441 25648\t3207\t26370\t30110\t3740\nCurrency translation and other adjustments--\t\t0\t1\t14\t13\nIncome statement\t\t\t\t\t\nExpected return\t1011\t(1011)\t1173\t\t(1173)\nInterest cost\t1137\t1137\t\t1317\t1317\nCurrent service cost\t296\t296\t\t372\t372\nPast service cost\t15\t15\t\t1\t1\nGains on curtailments and settlements\t0\t0\t\t(7)\t(7)\n\t1011 1448\t437\t1173\t1683\t510\nStatement of comprehensive income\t\t\t\t\t\n- Experience gains and losses\t986 (102)\t(1088)\t1097\t(176)\t(1273)\n- Actuarial gains and losses due to changes in financial assumptions-562\t\t562\t0\t589\t589\n- Actuarial gains and losses due to changes in demographic assumptions-224\t\t224\t0\t238\t238\n\t986 684\t(302)\t1097\t651\t(446)\nContributions by employer\t656-(656)\t\t821-(821)\t\t\nContributions by plan participants and other scheme members--\t\t0\t14\t14\t0\nBenefits paid\t(822) (822)\t0\t(988)\t(988)\t0\nAt 31 December 2013\t24272 26958\t2686\t28488\t31484\t2996\n*Restated\t\t\t\t\t\n", "q10k_tbl_329": "\t2013\t2012\t2011\nNet pension deficit comprises\t£m\t£m\t£m\nNet assets of schemes in surplus (included in Prepayments accrued income and other assets Note 19)\t(214)\t(144)\t(188)\nNet liabilities of schemes in deficit\t3210\t3884\t2239\n\t2996\t3740\t2051\n", "q10k_tbl_330": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nContinuing operations\t510\t487\t554\nDiscontinued operations-30\t\t\t1\n\t510\t517\t555\n*Restated\t\t\t\n", "q10k_tbl_331": "The defined benefit obligation is attributable to the different classes of scheme members in the following proportions (Main scheme):\t\t\t\n\t2013\t2012\t2011\n\t%%\t\t%\nActive\t19.5\t23.8\t24.8\nDeferred\t38.4\t32.4\t30.9\nPensioner\t42.1\t43.8\t44.3\n\t100.0\t100.0\t100.0\n", "q10k_tbl_332": "\tMain scheme\t\t\t\t\tAll schemes\t\t\t\t\n\t2013\t2012*\t2011*\t2010*\t2009*\t2013\t2012*\t2011*\t2010*\t2009*\nHistory of defined benefit schemes\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nFair value of plan assets\t24272\t22441\t21111\t19110\t16603\t28488\t26370\t25086\t22816\t27925\nPresent value of defined benefit\t\t\t\t\t\t\t\t\t\t\nobligations\t26958\t25648\t22955\t21092\t18675\t31484\t30110\t27137\t24999\t30830\nNet deficit\t2686\t3207\t1844\t1982\t2072\t2996\t3740\t2051\t2183\t2905\nExperience gains/(losses) on plan liabilities\t102\t(232)\t(208)\t(858)\t135\t176\t(207)\t(200)\t(882)\t328\nExperience gains on plan assets\t986\t301\t935\t1830\t1065\t1097\t485\t842\t1941\t1382\nActual return on pension schemes assets\t1997\t1329\t1966\t2779\t2002\t2270\t1696\t2065\t3170\t2875\nActual return on pension schemes assets - %\t8.9%\t6.3%\t10.3%\t16.7%\t13.5%\t8.6%\t6.8%\t9.1%\t11.4%\t11.2%\n*Restated\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_333": "\tMain scheme\t\t\t\t\t\tAll schemes\t\t\t\t\t\n\t(Decrease)/increase\t\t\t\t\t\t(Decrease)/increase\t\t\t\t\t\n\tin pension cost\t\t\tin obligation\t\t\tin pension cost\t\t\tin obligation\t\t\n\tfor year\t\t\tat 31 December\t\t\tfor year\t\t\tat 31 December\t\t\n\t2013\t2012\t2011\t2013\t2012\t2011\t2013\t2012\t2011\t2013\t2012\t2011\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\n0.25% increase in the discount rate\t(66)\t(66)\t(65)\t(1187)\t(1199)\t(1019)\t(80)\t(80)\t(75)\t(1379)\t(1392)\t(1181)\n0.25% increase in inflation\t52\t60\t59\t895\t995\t911\t58\t66\t65\t1000\t1129\t1040\n0.25% additional rate of increase in\t\t\t\t\t\t\t\t\t\t\t\t\npensions in payment\t42\t39\t37\t758\t690\t618\t48\t45\t42\t844\t782\t691\n0.25% additional rate of increase in\t\t\t\t\t\t\t\t\t\t\t\t\ndeferred pensions\t18\t20\t21\t329\t297\t285\t21\t23\t23\t383\t342\t322\n0.25% additional rate of increase in\t\t\t\t\t\t\t\t\t\t\t\t\nsalaries\t9\t6\t6\t83\t95\t56\t12\t9\t9\t110\t125\t79\nLongevity increase of one year\t35\t33\t34\t728\t647\t566\t39\t38\t40\t801\t727\t671\n", "q10k_tbl_334": "\t2013\t2012\n\t£m\t£m\nFees payable for the audit of the Group's annual accounts\t4.0\t4.0\nFees payable to the auditor and its associates for other services to the Group\t\t\n- the audit of the company's subsidiaries\t22.1\t24.4\n- audit-related assurance services (1)\t3.8\t4.6\nTotal audit and audit-related assurance services fees\t29.9\t33.0\nTaxation compliance services\t0.2\t0.2\nTaxation advisory services\t0.1\t0.1\nOther assurance services\t2.8\t2.7\nCorporate finance services (2)\t0.8\t5.7\nConsulting services\t0.2\t1.5\nTotal other services\t3.6\t9.7\nTotal\t34.0\t43.2\n", "q10k_tbl_335": "6 Tax\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nCurrent tax\t\t\t\nCharge for the year\t(307)\t(495)\t(168)\nOver/(under) provision in respect of prior years\t121\t(63)\t141\n\t(186)\t(558)\t(27)\nDeferred tax\t\t\t\nCredit/(charge) for the year\t375\t101\t(1106)\n(Under)/over provision in respect of prior year\t(571)\t16\t58\nTax charge for the year\t(382)\t(441)\t(1075)\n", "q10k_tbl_336": "\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nExpected tax credit\t1916\t1293\t370\nSovereign debt impairment where no deferred tax asset recognised--\t\t\t(275)\nOther losses in year where no deferred tax asset recognised\t(879)\t(511)\t(530)\nForeign profits taxed at other rates\t(196)\t(383)\t(417)\nUK tax rate change impact (1)\t(313)\t(149)\t(112)\nUnrecognised timing differences\t(8)\t59\t(20)\nNon-deductible goodwill impairment\t(247)--\t\t\nItems not allowed for tax\t\t\t\n- losses on disposals and write-downs\t(20)\t(49)\t(72)\n- UK bank levy\t(47)\t(43)\t(80)\n- regulatory and legal actions\t(144)\t(93)\t0\n- employee share schemes\t(11)\t(9)\t(113)\n- other disallowable items\t(202)\t(246)\t(285)\nNon-taxable items\t\t\t\n- gain on sale of RBS Aviation Capital-26\t\t\t0\n- gain on sale of WorldPay (Global Merchant Services)\t37-12\t\t\n- other non-taxable items\t171\t104\t242\nTaxable foreign exchange movements\t(25)\t(1)\t4\nLosses brought forward and utilised\t36\t2\t2\nReduction in carrying value of deferred tax asset in respect of losses in\t\t\t\n- UK\t(701)--\t\t\n- Australia-(191)\t\t\t0\n- Ireland-(203)\t\t\t0\nAdjustments in respect of prior years (2)\t251\t(47)\t199\nActual tax charge\t(382)\t(441)\t(1075)\n*Restated\t\t\t\n", "q10k_tbl_337": "7 Profit attributable to preference shareholders and paid-in equity holders\t\t\t\n\t2013\t2012*\t2011\n\t£m\t£m\t£m\nPreference shareholders\t\t\t\nNon-cumulative preference shares of US$0.01\t226\t153\t0\nNon-cumulative preference shares of €0.01\t121\t115\t0\nNon-cumulative preference shares of £1\t2\t5\t0\nPaid-in equity holders\t\t\t\nInterest on securities classified as equity net of tax\t49\t28\t0\nTotal (1)\t398\t301\t0\n*Restated\t\t\t\n", "q10k_tbl_338": "9 Earnings per ordinary and equivalent B share\t\t\t\nEarnings per ordinary and equivalent B share have been calculated based on the following:\t\t\t\n\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nEarnings\t\t\t\nLoss attributable to ordinary and B shareholders\t(8995)\t(6055)\t(2151)\n(Profit)/loss from discontinued operations attributable to ordinary and B shareholders\t(111)\t60\t(306)\nLoss from continuing operations attributable to ordinary and B shareholders\t(9106)\t(5995)\t(2457)\nWeighted average number of shares (millions)\t\t\t\nOrdinary shares outstanding during the year\t6096\t5902\t5722\nEquivalent B shares in issue during the year\t5100\t5100\t5100\nWeighted average number of ordinary shares and equivalent B shares outstanding during the year\t11196\t11002\t10822\n*Restated\t\t\t\n", "q10k_tbl_339": "\tDesignated\t\tOther financial\tNon\t\n\tas at fair value\t\tinstruments\tfinancial\t\n\tHeld-for- through profit\tHedging Available-\tLoans and (amortised\tFinance assets/\t\n\ttrading or loss\tderivatives for-sale\treceivables cost)\tleases liabilities\tTotal\n2013\t£m £m\t£m £m\t£m £m\t£m £m\t£m\nAssets\t\t\t\t\t\nCash and balances at central banks--\t\t0\t82659\t\t82659\nLoans and advances to banks\t\t\t\t\t\n- reverse repos\t25795 -\t0\t721\t\t26516\n- other (1)\t9952 -\t0\t17603\t\t27555\nLoans and advances to customers\t\t\t\t\t\n- reverse repos\t49897 -\t0\t0\t\t49897\n- other (2)\t19170 49\t0\t364772\t6834\t390825\nDebt securities\t56582 122\t53107\t3788\t\t113599\nEquity shares\t7199 400\t1212\t0\t\t8811\nSettlement balances--\t\t0\t5591\t\t5591\nDerivatives\t283508\t4531\t\t\t288039\nIntangible assets\t\t\t\t12368\t12368\nProperty plant and equipment\t\t\t\t7909\t7909\nDeferred tax\t\t\t\t3478\t3478\nPrepayments accrued income and\t\t\t\t\t\nother assets--\t\t0\t0\t7614\t7614\nAssets of disposal groups\t\t\t\t3017\t3017\n\t452103 571\t4531 54319\t475134\t6834 34386\t1027878\nLiabilities\t\t\t\t\t\nDeposits by banks\t\t\t\t\t\n- repos\t23127 -\t\t5523\t\t28650\n- other (3)\t19764 -\t\t15565\t\t35329\nCustomer accounts\t\t\t\t\t\n- repos\t52300 -\t\t4184\t\t56484\n- other (4)\t10236 5862\t\t398298\t\t414396\nDebt securities in issue (5)\t8560 15848\t\t43411\t\t67819\nSettlement balances--\t\t\t5313\t\t5313\nShort positions\t28022 -\t\t\t\t28022\nDerivatives\t281299\t4227\t\t\t285526\nAccruals deferred income and\t\t\t\t\t\nother liabilities--\t\t\t1764\t19 14234\t16017\nRetirement benefit liabilities\t\t\t\t3210\t3210\nDeferred tax\t\t\t\t507\t507\nSubordinated liabilities-868\t\t\t23144\t\t24012\nLiabilities of disposal groups\t\t\t\t3378\t3378\n\t423308 22578\t4227\t497202\t19 21329\t968663\nEquity\t\t\t\t\t59215\n\t\t\t\t\t1027878\nFor the notes to this table refer to page 401.\t\t\t\t\t\n", "q10k_tbl_340": "10 Financial instruments - classification continued\t\t\t\t\t\n\tDesignated\t\tOther financial\tNon\t\n\tas at fair value\t\tinstruments\tfinancial\t\n\tHeld-for- through profit\tHedging Available-\tLoans and (amortised\tFinance assets/\t\n\ttrading or loss\tderivatives for-sale\treceivables cost)\tleases liabilities\tTotal\n2012\t£m £m\t£m £m\t£m £m\t£m £m\t£m\nAssets\t\t\t\t\t\nCash and balances at central banks--\t\t0\t79290\t\t79290\nLoans and advances to banks\t\t\t\t\t\n- reverse repos\t33394 -\t0\t1389\t\t34783\n- other (1)\t13265 -\t0\t15903\t\t29168\nLoans and advances to customers\t\t\t\t\t\n- reverse repos\t70025 -\t0\t22\t\t70047\n- other (2)\t24841 189\t0\t397824\t7234\t430088\nDebt securities\t78340 873\t73737\t4488\t\t157438\nEquity shares\t13329 533\t1370\t\t\t15232\nSettlement balances--\t\t0\t5741\t\t5741\nDerivatives\t433264\t8639\t\t\t441903\nIntangible assets\t\t\t\t13545\t13545\nProperty plant and equipment\t\t\t\t9784\t9784\nDeferred tax\t\t\t\t3443\t3443\nPrepayments accrued income and\t\t\t\t\t\nother assets--\t\t0\t0\t7820\t7820\nAssets of disposal groups\t\t\t\t14013\t14013\n\t666458 1595\t8639 75107\t504657\t7234 48605\t1312295\nLiabilities\t\t\t\t\t\nDeposits by banks\t\t\t\t\t\n- repos\t36370 -\t\t7962\t\t44332\n- other (3)\t30571 -\t\t26502\t\t57073\nCustomer accounts\t\t\t\t\t\n- repos\t82224 -\t\t5816\t\t88040\n- other (4)\t12077 6323\t\t414839\t\t433239\nDebt securities in issue (5)\t10879 23614\t\t60099\t\t94592\nSettlement balances--\t\t\t5878\t\t5878\nShort positions\t27591 -\t\t\t\t27591\nDerivatives\t428537\t5796\t\t\t434333\nAccruals deferred income and other\t\t\t\t\t\nliabilities--\t\t\t1684\t12 13105\t14801\nRetirement benefit liabilities\t\t\t\t3884\t3884\nDeferred tax\t\t\t\t1141\t1141\nSubordinated liabilities-1128\t\t\t25645\t\t26773\nLiabilities of disposal groups\t\t\t\t10170\t10170\n\t628249 31065\t5796\t548425\t12 28300\t1241847\nEquity\t\t\t\t\t70448\n\t\t\t\t\t1312295\nFor the notes to this table refer to page 401.\t\t\t\t\t\n", "q10k_tbl_341": "10 Financial instruments - classification continued\t\t\t\t\t\n\tDesignated\t\tOther financial\tNon\t\n\tas at fair value\t\tinstruments\tfinancial\t\n\tHeld-for- through profit\tHedging Available-\tLoans and (amortised\tFinance assets/\t\n\ttrading or loss\tderivatives for-sale\treceivables cost)\tleases liabilities\tTotal\n2011\t£m £m\t£m £m\t£m £m\t£m £m\t£m\nAssets\t\t\t\t\t\nCash and balances at central banks--\t\t0\t79269\t\t79269\nLoans and advances to banks\t\t\t\t\t\n- reverse repos\t34659 -\t0\t4781\t\t39440\n- other (1)\t20317 -\t0\t23553\t\t43870\nLoans and advances to customers\t\t\t\t\t\n- reverse repos\t53584 -\t0\t7910\t\t61494\n- other (2)\t25322 476\t0\t419895\t8419\t454112\nDebt securities\t95076 647\t107298\t6059\t\t209080\nEquity shares\t12433 774\t1976\t\t\t15183\nSettlement balances--\t\t0\t7771\t\t7771\nDerivatives\t521935\t7683\t\t\t529618\nIntangible assets\t\t\t\t14858\t14858\nProperty plant and equipment\t\t\t\t11868\t11868\nDeferred tax\t\t\t\t3878\t3878\nPrepayments accrued income and\t\t\t\t\t\nother assets--\t\t0\t1309\t9667\t10976\nAssets of disposal groups\t\t\t\t25450\t25450\n\t763326 1897\t7683 109274\t550547\t8419 65721\t1506867\nLiabilities\t\t\t\t\t\nDeposits by banks\t\t\t\t\t\n- repos\t23342 -\t\t16349\t\t39691\n- other (3)\t34172 -\t\t34941\t\t69113\nCustomer accounts\t\t\t\t\t\n- repos\t65526 -\t\t23286\t\t88812\n- other (4)\t14286 5627\t\t394230\t\t414143\nDebt securities in issue (5)\t11492 35747\t\t115382\t\t162621\nSettlement balances--\t\t\t7477\t\t7477\nShort positions\t41039 -\t\t\t\t41039\nDerivatives\t518102\t5881\t\t\t523983\nAccruals deferred income and other\t\t\t\t\t\nliabilities--\t\t\t1683\t19 21502\t23204\nRetirement benefit liabilities\t\t\t\t2239\t2239\nDeferred tax\t\t\t\t1945\t1945\nInsurance liabilities\t\t\t\t6233\t6233\nSubordinated liabilities-903\t\t\t25416\t\t26319\nLiabilities of disposal groups\t\t\t\t23995\t23995\n\t707959 42277\t5881\t618764\t19 55914\t1430814\nEquity\t\t\t\t\t76053\n\t\t\t\t\t1506867\nFor the notes to this table refer to page 401.\t\t\t\t\t\n", "q10k_tbl_342": "\t2013\t2012\t2011\n\t£m\t£m\t£m\n(Losses)/gains on financial assets/liabilities designated as at fair value through profit or loss\t(113)\t(2612)\t1761\n(Losses)/gains on disposal or settlement of loans and receivables\t(248)\t(76)\t59\n", "q10k_tbl_343": "\t\t\t\t\t\tNet amount\n\t\t\t\t\t\tafter the effect of\n\t\t\t\tEffect of\t\tnetting\n\t\t\t\tmaster netting\t\tarrangements\n\t\tIFRS\t\tagreement/similar\tCash Other financial\tand related\n\tGross\toffset\tBalance sheet\tagreements\tcollateral collateral\tcollateral\n2013\t£m\t£m\t£m\t£m\t£m £m\t£m\nAssets\t\t\t\t\t\t\nDerivatives\t545867\t(265709)\t280158\t(242836)\t(24288) (5990)\t7044\nReverse repurchase agreements\t115715\t(40658)\t75057\t(11379)-(63589)\t\t89\nLoans to customers\t3438\t(3438)--\t\t\t---\t\nSettlement balances\t2950\t(2672)\t278\t(262)--\t\t16\n\t667970\t(312477)\t355493\t(254477)\t(24288) (69579)\t7149\nLiabilities\t\t\t\t\t\t\nDerivatives\t540622\t(262656)\t277966\t(242836)\t(20429) (5202)\t9499\nRepurchase agreements\t120639\t(40658)\t79981\t(11379)-(68602)\t\t0\nCustomer accounts\t6491\t(6491)--\t\t\t---\t\nSettlement balances\t3682\t(2672)\t1010\t(262)--\t\t748\n\t671434\t(312477)\t358957\t(254477)\t(20429) (73804)\t10247\n", "q10k_tbl_344": "2012\t\t\t\t\t\t\nAssets\t\t\t\t\t\t\nDerivatives\t801606\t(373476)\t428130\t(373906) (34099)\t(5616)\t14509\nReverse repurchase agreements\t139120\t(38377)\t100743\t(17439)-(83304)\t\t0\nLoans to customers\t1748\t(1460)\t288--\t\t0\t288\nSettlement balances\t3680\t(2456)\t1224\t(345)--\t\t879\n\t946154\t(415769)\t530385\t(391690) (34099)\t(88920)\t15676\nLiabilities\t\t\t\t\t\t\nDerivatives\t796991\t(373476)\t423515\t(373906) (24633)\t(8264)\t16712\nRepurchase agreements\t163500\t(38377)\t125123\t(17439)-(107684)\t\t0\nCustomer accounts\t1897\t(1460)\t437--\t\t0\t437\nSettlement balances\t4270\t(2456)\t1814\t(345)--\t\t1469\n\t966658\t(415769)\t550889\t(391690) (24633)\t(115948)\t18618\n", "q10k_tbl_345": "10 Financial instruments - classification continued\t\t\t\t\t\t\n\t\t\t\t\t\tNet amount\n\t\t\t\t\t\tafter the effect of\n\t\t\t\t\t\tnetting\n\t\t\t\tEffect of master\t\tarrangements\n\t\tIFRS\t\tnetting/similar\tCash Other financial\tand related\n\tGross\toffset\tBalance sheet\tagreement\tcollateral collateral\tcollateral\n2011\t£m\t£m\t£m\t£m\t£m £m\t£m\nAssets\t\t\t\t\t\t\nDerivatives\t1051670\t(544491)\t507179\t(441626)\t(37222) (5312)\t23019\nReverse repurchase agreements\t128447\t(37605)\t90842\t(15246)-(75596)\t\t0\nSettlement balances\t2087\t(1359)\t728\t(728)--\t\t0\n\t1182204\t(583455)\t598749\t(457600)\t(37222) (80908)\t23019\nLiabilities\t\t\t\t\t\t\nDerivatives\t1050056\t(544491)\t505565\t(441626)\t(31368) (8585)\t23986\nRepurchase agreements\t150389\t(37605)\t112784\t(15246)-(97538)\t\t0\nSettlement balances\t2087\t(1359)\t728\t(728)--\t\t0\n\t1202532\t(583455)\t619077\t(457600)\t(31368) (106123)\t23986\n", "q10k_tbl_346": "\t\tAmount recognised in\t\tAmount that\tReduction/\n\t\tthe income statement\t\twould have been\t(increase) in\n\t\t\tImpairment\trecognised had\tprofit or loss\n\tCarrying Fair\t\t(losses)\treclassification\tas a result of\n\tvalue value\tIncome\t/releases\tnot occurred\treclassification\n2013\t£m £m\t£m\t£m\t£m\t£m\nReclassified from HFT to LAR\t\t\t\t\t\nLoans\t1417 1160\t(28)\t(13)\t42\t83\nDebt securities\t1293 901\t(29)\t3\t(74)\t(48)\n\t2710 2061\t(57)\t(10)\t(32)\t35\nReclassified from HFT to AFS (1)\t\t\t\t\t\nDebt securities\t311 311\t56-111\t\t\t55\nReclassified from AFS to LAR (2)\t\t\t\t\t\nDebt securities--\t\t4\t7-(11)\t\t\n\t3021 2372\t3\t(3)\t79\t79\nFor the notes to this table refer to the following page.\t\t\t\t\t\n", "q10k_tbl_347": "10 Financial instruments - classification continued\t\t\t\t\t\t\n\t\t\tAmount recognised in\t\tAmount that\tReduction/\n\t\t\tincome statement\t\twould have been\t(increase) in\n\t\t\t\tImpairment\trecognised had\tprofit or loss\n\tCarrying\tFair\t\treleases/\treclassification\tas a result of\n\tvalue\tvalue\tIncome\t(losses)\tnot occurred\treclassification\n2012\t£m\t£m\t£m\t£m\t£m\t£m\nReclassified from HFT to LAR\t\t\t\t\t\t\nLoans\t2892\t2546\t42\t15\t517\t460\nDebt securities\t1671\t1333\t(120)\t(6)\t251\t377\n\t4563\t3879\t(78)\t9\t768\t837\nReclassified from HFT to AFS (1)\t\t\t\t\t\t\nDebt securities\t1548\t1548\t(158)\t(20)\t25\t203\nReclassified from AFS to LAR (2)\t\t\t\t\t\t\nDebt securities\t167\t90\t7-7\t\t\t0\n\t6278\t5517\t(229)\t(11)\t800\t1040\n", "q10k_tbl_348": "2011\t\t\t\t\t\t\nReclassified from HFT to LAR\t\t\t\t\t\t\nLoans\t4128\t3305\t156\t18\t296\t122\nDebt securities\t2645\t1930\t32\t(7)\t(284)\t(309)\n\t6773\t5235\t188\t11\t12\t(187)\nReclassified from HFT to AFS (1)\t\t\t\t\t\t\nDebt securities\t4176\t4176\t(84)\t(61)\t(20)\t125\nEquity shares--\t\t\t--1\t\t\t1\n\t4176\t4176\t(84)\t(61)\t(19)\t126\nReclassified from AFS to LAR (2)\t\t\t\t\t\t\nDebt securities\t248\t229\t(11)\t(13)\t(24)\t0\n\t11197\t9640\t93\t(63)\t(31)\t(61)\n", "q10k_tbl_349": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nCredit valuation adjustments\t\t\t\n- monoline insurers and credit derivative product companies (CDPC)\t99\t506\t2232\n- other counterparties\t1667\t2308\t2254\n\t1766\t2814\t4486\nOther valuation reserves\t\t\t\n- bid-offer\t513\t625\t806\n- funding valuation adjustment\t424\t475\t552\n- product and deal specific\t745\t763\t1040\n- other\t8\t134\t306\n\t1690\t1997\t2704\nValuation reserves\t3456\t4811\t7190\n", "q10k_tbl_350": "The table below analyses CVA relating to other counterparties by rating and sector.\t\nRatings:\t2013\n\t£m\nAAA\t104\nAA to AA+\t13\nA to AA-\t168\nBBB- to A-\t446\nNon-investment grade\t936\n\t1667\nSector:\t\nBanks\t89\nOther financial institutions\t199\nCorporate\t1126\nGovernment\t253\n\t1667\n", "q10k_tbl_351": "\tDebt securities in issue (1)\t\t\tSubordinated\t\t\n\tHFT\tDFV\tTotal\tliabilities DFV\tTotal\tDerivatives Total\nCumulative own credit adjustment (CR)/DR (1)\t£m\t£m\t£m\t£m\t£m\t£m £m\n2013\t(467)\t(33)\t(500)\t256\t(244)\t96 (148)\n2012\t(648)\t56\t(592)\t362\t(230)\t259 29\n2011\t882\t2647\t3529\t679\t4208\t602 4810\nCarrying values of underlying liabilities\t£bn\t£bn\t£bn\t£bn\t£bn\t\n2013\t8.6\t15.8\t24.4\t0.9\t25.3\t\n2012\t10.9\t23.6\t34.5\t1.1\t35.6\t\n2011\t11.5\t35.7\t47.2\t0.9\t48.1\t\n", "q10k_tbl_352": "11 Financial instruments - valuation continued Financial instruments carried at fair value - valuation hierarchy The following tables show financial instruments carried at fair value on the Group's balance sheet by valuation hierarchy - level 1 level 2 and level 3.\t\t\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t\t2011\t\t\t\n\tLevel 1 Level 2\tLevel 3\tTotal\tLevel 1\tLevel 2\tLevel 3\tTotal\tLevel 1\tLevel 2\tLevel 3\tTotal\n\t£bn £bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nAssets\t\t\t\t\t\t\t\t\t\t\t\nLoans and advances to banks\t\t\t\t\t\t\t\t\t\t\t\nReverse repos-25.8\t\t0\t25.8\t0\t33.4-33.4\t\t\t0\t34.7-34.7\t\t\nDerivative collateral-9.6\t\t0\t9.6\t0\t12.8-12.8\t\t\t0\t19.7-19.7\t\t\nOther-0.1\t\t0.3\t0.4\t0\t0.1\t0.4\t0.5\t0\t0.2\t0.4\t0.6\n\t- 35.5\t0.3\t35.8\t0\t46.3\t0.4\t46.7\t0\t54.6\t0.4\t55.0\nLoans and advances to customers\t\t\t\t\t\t\t\t\t\t\t\nReverse repos-49.9\t\t0\t49.9\t0\t70.0-70.0\t\t\t0\t53.6-53.6\t\t\nDerivative collateral-18.0\t\t0\t18.0\t0\t22.5-22.5\t\t\t0\t22.0-22.0\t\t\nOther-1.0\t\t0.2\t1.2\t0\t1.9\t0.6\t2.5\t0\t3.4\t0.4\t3.8\n\t- 68.9\t0.2\t69.1\t0\t94.4\t0.6\t95.0\t0\t79.0\t0.4\t79.4\nDebt securities\t\t\t\t\t\t\t\t\t\t\t\nUK government\t13.2--\t\t13.2\t15.6\t0.1-15.7\t\t\t22.4--\t\t\t22.4\nUS government\t18.2 5.6-23.8\t\t\t31.0\t5.4-36.4\t\t\t35.5\t5.0-40.5\t\t\nOther government\t25.2 7.9\t0.1\t33.2\t34.4\t8.9-43.3\t\t\t53.9\t8.7-62.6\t\t\nCorporate-1.8\t\t0.3\t2.1\t0\t2.2\t0.1\t2.3\t0\t5.0\t0.5\t5.5\nFinancial institutions\t1.4 34.4\t1.7\t37.5\t2.6\t48.0\t4.7\t55.3\t3.0\t61.6\t7.4\t72.0\n\t58.0 49.7\t2.1\t109.8\t83.6\t64.6\t4.8\t153.0\t114.8\t80.3\t7.9\t203.0\nOf which ABS\t\t\t\t\t\t\t\t\t\t\t\nRMBS (1)-27.4\t\t0.3\t27.7\t0\t38.5\t0.9\t39.4\t0\t48.2\t0.6\t48.8\nCMBS (2)-3.7\t\t0\t3.7\t0\t3.7-3.7\t\t\t0\t2.1\t0.1\t2.2\nCDO (3)--\t\t0.4\t0.4\t0\t0.2\t0.5\t0.7\t0\t0.2\t1.7\t1.9\nCLO (4)-0.5\t\t0.7\t1.2\t0\t0.6\t2.4\t3.0\t0\t1.5\t3.7\t5.2\nOther-1.6\t\t0.3\t1.9\t0\t2.1\t0.4\t2.5\t0\t3.1\t0.9\t4.0\nEquity shares\t7.0 1.1\t0.7\t8.8\t13.1\t1.3\t0.8\t15.2\t12.4\t1.8\t1.0\t15.2\nDerivatives\t\t\t\t\t\t\t\t\t\t\t\nForeign exchange-60.6\t\t1.3\t61.9\t0\t61.7\t1.4\t63.1\t0\t72.9\t1.6\t74.5\nInterest rate\t0.1 216.5\t1.4\t218.0\t0.1\t362.7\t0.6\t363.4\t0.2\t420.8\t1.1\t422.1\nCredit-4.5\t\t0.8\t5.3\t0\t9.3\t1.7\t11.0\t0\t23.1\t3.8\t26.9\nEquities and commodities-2.8\t\t0\t2.8\t0\t4.3\t0.1\t4.4\t0\t5.9\t0.2\t6.1\n\t0.1 284.4\t3.5\t288.0\t0.1\t438.0\t3.8\t441.9\t0.2\t522.7\t6.7\t529.6\n\t65.1 439.6\t6.8\t511.5\t96.8\t644.6\t10.4\t751.8\t127.4\t738.4\t16.4\t882.2\nOf which\t\t\t\t\t\t\t\t\t\t\t\nCore\t64.9 436.2\t4.9\t506.0\t96.4\t637.3\t5.6\t739.3\t126.9\t724.5\t7.2\t858.6\nNon-Core\t0.2 3.4\t1.9\t5.5\t0.4\t7.3\t4.8\t12.5\t0.5\t13.9\t9.2\t23.6\n\t65.1 439.6\t6.8\t511.5\t96.8\t644.6\t10.4\t751.8\t127.4\t738.4\t16.4\t882.2\nProportion\t12.7% 86.0%\t1.3%\t100.0%\t12.9%\t85.7%\t1.4%\t100.0%\t14.4%\t83.7%\t1.9%\t100.0%\nAFS debt securities included above\t\t\t\t\t\t\t\t\t\t\t\nUK government\t6.4--\t\t6.4\t8.0--\t\t\t8.0\t13.4--\t\t\t13.4\nUS government\t8.1 4.8-12.9\t\t\t15.5\t3.5-19.0\t\t\t18.1\t2.7-20.8\t\t\nOther government\t5.6 4.7-10.3\t\t\t10.7\t5.3-16.0\t\t\t21.6\t4.0-25.6\t\t\nCorporate-0.1\t\t0.1\t0.2\t0\t0.1\t0.1\t0.2\t0\t2.3\t0.2\t2.5\nFinancial institutions\t0.7 21.5\t1.1\t23.3\t0.5\t27.1\t2.9\t30.5\t0.2\t39.3\t5.5\t45.0\n\t20.8 31.1\t1.2\t53.1\t34.7\t36.0\t3.0\t73.7\t53.3\t48.3\t5.7\t107.3\nFor the notes to this table refer to page 413.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_353": "11 Financial instruments - valuation continued\t\t\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t\t2011\t\t\t\n\tLevel 1 Level 2\tLevel 3\tTotal\tLevel 1\tLevel 2\tLevel 3\tTotal\tLevel 1\tLevel 2\tLevel 3\tTotal\n\t£bn £bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\t£bn\nOf which ABS\t\t\t\t\t\t\t\t\t\t\t\nRMBS-18.9\t\t0.1\t19.0\t0\t23.3\t0.2\t23.5\t0\t30.9\t0.2\t31.1\nCMBS-3.1\t\t0\t3.1\t0\t2.3-2.3\t\t\t0\t0.7-0.7\t\t\nCDO--\t\t0.3\t0.3\t0\t0.1\t0.5\t0.6\t0\t0.2\t1.4\t1.6\nCLO-0.1\t\t0.6\t0.7\t0\t0.4\t1.9\t2.3\t0\t1.0\t3.3\t4.3\nOther-1.0\t\t0.1\t1.1\t0\t1.3\t0.2\t1.5\t0\t2.3\t0.7\t3.0\nEquity shares\t0.2 0.6\t0.4\t1.2\t0.3\t0.7\t0.4\t1.4\t0.3\t1.3\t0.4\t2.0\nTotal AFS assets\t21.0 31.7\t1.6\t54.3\t35.0\t36.7\t3.4\t75.1\t53.6\t49.6\t6.1\t109.3\nOf which\t\t\t\t\t\t\t\t\t\t\t\nCore\t21.0 31.5\t0.5\t53.0\t34.9\t35.7\t0.6\t71.2\t53.6\t46.9\t0.6\t101.1\nNon-Core-0.2\t\t1.1\t1.3\t0.1\t1.0\t2.8\t3.9\t0\t2.7\t5.5\t8.2\n\t21.0 31.7\t1.6\t54.3\t35.0\t36.7\t3.4\t75.1\t53.6\t49.6\t6.1\t109.3\nLiabilities\t\t\t\t\t\t\t\t\t\t\t\nDeposits by banks\t\t\t\t\t\t\t\t\t\t\t\nRepos-23.1\t\t0\t23.1\t0\t36.4-36.4\t\t\t0\t23.3-23.3\t\t\nDerivative collateral-19.1\t\t0\t19.1\t0\t28.6-28.6\t\t\t0\t31.8-31.8\t\t\nOther-0.6\t\t0.1\t0.7\t0\t1.9\t0.1\t2.0\t0\t2.4-2.4\t\t\n\t- 42.8\t0.1\t42.9\t0\t66.9\t0.1\t67.0\t0\t57.5-57.5\t\t\nCustomer accounts\t\t\t\t\t\t\t\t\t\t\t\nRepos-52.3\t\t0\t52.3\t0\t82.2-82.2\t\t\t0\t65.5-65.5\t\t\nDerivative collateral-7.1\t\t0\t7.1\t0\t8.0-8.0\t\t\t0\t9.2-9.2\t\t\nOther-8.8\t\t0.2\t9.0\t0\t10.3\t0.1\t10.4\t0\t10.8-10.8\t\t\n\t- 68.2\t0.2\t68.4\t0\t100.5\t0.1\t100.6\t0\t85.5-85.5\t\t\nDebt securities in issue-23.1\t\t1.3\t24.4\t0\t33.1\t1.4\t34.5\t0\t45.0\t2.2\t47.2\nShort positions\t23.9 4.1-28.0\t\t\t23.6\t4.0-27.6\t\t\t34.4\t6.3\t0.3\t41.0\nDerivatives\t\t\t\t\t\t\t\t\t\t\t\nForeign exchange-65.0\t\t0.7\t65.7\t0\t69.3\t1.2\t70.5\t0\t80.6\t0.4\t81.0\nInterest rate\t0.1 208.0\t0.6\t208.7\t0.1\t345.0\t0.4\t345.5\t0.4\t405.2\t1.1\t406.7\nCredit-4.5\t\t0.9\t5.4\t0\t9.6\t0.8\t10.4\t0\t24.9\t1.8\t26.7\nEquities and commodities-4.9\t\t0.8\t5.7\t0\t7.0\t0.9\t7.9\t0\t9.1\t0.5\t9.6\n\t0.1 282.4\t3.0\t285.5\t0.1\t430.9\t3.3\t434.3\t0.4\t519.8\t3.8\t524.0\nSubordinated liabilities-0.9\t\t0\t0.9\t0\t1.1-1.1\t\t\t0\t0.9-0.9\t\t\n\t24.0 421.5\t4.6\t450.1\t23.7\t636.5\t4.9\t665.1\t34.8\t715.0\t6.3\t756.1\nOf which\t\t\t\t\t\t\t\t\t\t\t\nCore\t24.0 420.1\t4.5\t448.6\t23.7\t634.4\t4.7\t662.8\t34.8\t708.9\t5.7\t749.4\nNon-Core-1.4\t\t0.1\t1.5\t0\t2.1\t0.2\t2.3\t0\t6.1\t0.6\t6.7\n\t24.0 421.5\t4.6\t450.1\t23.7\t636.5\t4.9\t665.1\t34.8\t715.0\t6.3\t756.1\nProportion\t5.3% 93.7%\t1.0%\t100.0%\t3.6%\t95.7%\t0.7%\t100.0%\t4.6%\t94.6%\t0.8%\t100.0%\nFor the notes to this table refer to page 413.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_354": "11 Financial instruments - valuation continued\t\t\t\t\t\t\t\t\t\nThe following table analyses level 3 balances and related valuation sensitivities.\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\t\tSensitivity (5)\t\t\tSensitivity (5)\t\t\tSensitivity (5)\t\n\tBalance\tFavourable\tUnfavourable\tBalance\tFavourable\tUnfavourable\tBalance\tFavourable\tUnfavourable\n\t£bn\t£m\t£m\t£bn\t£m\t£m\t£bn\t£m\t£m\nAssets\t\t\t\t\t\t\t\t\t\nLoans and advances\t\t\t\t\t\t\t\t\t\n- banks\t0.3\t30\t(10)\t0.4\t50\t(30)\t0.4\t40\t(50)\n- customers\t0.2\t20\t(30)\t0.6\t90\t(40)\t0.4\t80\t(20)\nDebt securities\t\t\t\t\t\t\t\t\t\nOther Government\t0.1--\t\t\t---\t\t\t---\t\t\nCorporate\t0.3\t20\t(10)\t0.1\t10\t(10)\t0.5\t30\t(30)\nFinancial institutions\t1.7\t140\t(90)\t4.7\t360\t(180)\t7.4\t560\t(180)\n\t2.1\t160\t(100)\t4.8\t370\t(190)\t7.9\t590\t(210)\nEquity shares\t0.7\t120\t(110)\t0.8\t60\t(100)\t1.0\t140\t(130)\nDerivatives\t\t\t\t\t\t\t\t\t\nForeign exchange\t1.3\t150\t(20)\t1.4\t140\t(40)\t1.6\t100\t(100)\nInterest rate\t1.4\t160\t(120)\t0.6\t60\t(80)\t1.1\t80\t(80)\nCredit\t0.8\t70\t(110)\t1.7\t230\t(230)\t3.8\t680\t(400)\nEquities and commodities-10\t\t\t0\t0.1--\t\t\t0.2--\t\t\n\t3.5\t390\t(250)\t3.8\t430\t(350)\t6.7\t860\t(580)\n\t6.8\t720\t(500)\t10.4\t1000\t(710)\t16.4\t1710\t(990)\nOf which ABS\t\t\t\t\t\t\t\t\t\nRMBS\t0.3\t30\t(30)\t0.9\t40\t(50)\t0.6\t60\t(40)\nCMBS--\t\t\t0\t---\t\t\t0.1\t10\t0\nCDO\t0.4\t40\t(10)\t0.5\t80\t(10)\t1.7\t210\t(20)\nCLO\t0.7\t30\t(30)\t2.4\t120\t(50)\t3.7\t90\t(40)\nOther\t0.3\t20\t(20)\t0.4\t50\t(10)\t0.9\t90\t(40)\nOf which AFS debt securities\t\t\t\t\t\t\t\t\t\nCorporate\t0.1\t10\t(10)\t0.1\t10\t0\t0.2\t10\t(10)\nFinancial institutions\t1.1\t60\t(20)\t2.9\t170\t(40)\t5.5\t310\t(50)\n\t1.2\t70\t(30)\t3.0\t180\t(40)\t5.7\t320\t(60)\nOf which AFS ABS\t\t\t\t\t\t\t\t\t\nRMBS\t0.1--\t\t\t0.2\t10\t0\t0.2\t10\t(10)\nCDO\t0.3\t40\t0\t0.5\t70\t(10)\t1.4\t170\t(10)\nCLO\t0.6-(10)\t\t\t1.9\t50\t(10)\t3.3\t40\t(20)\nOther\t0.1\t10\t(10)\t0.2\t20\t(10)\t0.7\t70\t(30)\nEquity shares\t0.4\t80\t(70)\t0.4\t30\t(40)\t0.4\t70\t(70)\nTotal AFS assets\t1.6\t150\t(100)\t3.4\t210\t(80)\t6.1\t390\t(130)\nLiabilities\t\t\t\t\t\t\t\t\t\nDeposits by bank\t0.1\t10\t0\t0.1-(20)\t\t\t---\t\t\nCustomer accounts\t0.2-(10)\t\t\t0.1\t30\t(30)\t0\t20\t(20)\nDebt securities in issue\t1.3\t50\t(70)\t1.4\t60\t(70)\t2.2\t80\t(60)\nShort positions--\t\t\t0\t---\t\t\t0.3\t10\t(100)\nDerivatives\t\t\t\t\t\t\t\t\t\nForeign exchange\t0.7\t50\t(20)\t1.2\t70\t(30)\t0.4\t30\t(20)\nInterest rate\t0.6\t30\t(30)\t0.4\t20\t(20)\t1.1\t80\t(90)\nCredit - other\t0.9\t40\t(60)\t0.8\t40\t(90)\t1.8\t380\t(170)\nEquities and commodities\t0.8\t10\t(10)\t0.9\t10\t(10)\t0.5\t10\t(10)\n\t3.0\t130\t(120)\t3.3\t140\t(150)\t3.8\t500\t(290)\n\t4.6\t190\t(200)\t4.9\t230\t(270)\t6.3\t610\t(470)\nFor the notes to this table refer to the following page.\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_355": "Level 3 (£bn)\t\t\tRange\t\nFinancial instruments Assets\tLiabilities Valuation technique\tUnobservable inputs\tLow\tHigh\nLoans 0.5\t0.2 Price based\tPrice (2)\t80%\t100%\n\tDiscounted cash flow model (DCF)\tCredit spreads (3)\t0bps\t831bps\n\t\tRecovery rates (4)\t10%\t67%\n\t\tYield (2)\t8%\t24%\n\t\tProbability of default (5)\t5%\t20%\nDeposits\t0.1 Option pricing\tVolatility (6)\t27%\t30%\nDebt securities\t\t\t\t\nRMBS 0.3\tPrice based\tPrice (2)\t0%\t96%\n\tDCF\tProbability of default (5)\t2%\t7%\n\t\tConditional prepayment rates (CPR) (7)\t0%\t7%\n\t\tYield (2)\t6%\t19%\nCDO and CLO 1.1\tPrice based\tPrice (2)\t0%\t100%\n\tDCF\tYield (2)\t10%\t29%\n\t\tProbability of default (5)\t2%\t11%\nOther ABS 0.3\tPrice based\tPrice (2)\t0%\t100%\nOther debt securities 0.4\tDCF\tCredit spreads (3)\t99bps\t140bps\n\tPrice based\tPrice (2)\t68%\t100%\nEquity securities 0.7\tPrice based\tPrice (2)\t69%\t158%\n\tEBITDA multiple\tEBITDA multiple (8)\t1x\t40x\n\tDCF\tYield\t47%\t64%\n\t\tRecovery rates (4)\t0%\t40%\nDerivatives\t\t\t\t\nForeign exchange 1.3\t0.7 DCF\tCorrelation (9)\t(55%)\t100%\n\tOption pricing model\tVolatility (6)\t6%\t26%\nInterest rate 1.4\t0.6 Option pricing model\tCorrelation (9)\t(55%)\t100%\n\tDCF\tCPR (7)\t2%\t20%\nEquities and commodities\t0.8 Option pricing model\tVolatility (6)\t16%\t40%\nCredit 0.8\t0.9 Price based\tPrice (2)\t0%\t100%\n\tDCF based on defaults and recoveries\tRecovery rates (4)\t0%\t100%\n\t\tUpfront points (10)\t2%\t100%\n\t\tCredit spreads (3)\t35bps\t725bps\n", "q10k_tbl_356": "11 Financial instruments - valuation continued\t\t\t\t\t\t\t\t\t\t\t\nLevel 3 movement table\t\t\t\t\t\t\t\t\t\tAmounts recorded in the\t\n\t\tAmount recorded in the\t\tLevel 3 transfers\t\t\t\tForeign\tIncome statement on\t\n\tAt\tIncome\t\t\t\t\t\texchange\tAt\tbalances at year end\t\n\t1 January\tstatement (1)\tSOCI (2)\tIn\tOut\tPurchases Issuances\tSettlements Sales\tand other\t31 December Unrealised\tRealised\n2013\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\t£m\t£m\t£m\nAssets\t\t\t\t\t\t\t\t\t\t\t\nFVTPL (3)\t\t\t\t\t\t\t\t\t\t\t\nLoans and advances\t\t\t\t\t\t\t\t\t\t\t\n- banks\t382\t(48)\t0\t---\t\t0\t(19)-(5)\t\t310\t(93)\t45\n- customers\t562\t(32)\t0\t87\t(6)\t68-(66)\t(446)\t5\t172\t(90)\t12\nDebt securities\t1938\t77\t0\t198\t(64)\t521-(121)\t(1613)\t(30)\t906\t(42)\t87\nEquity shares\t396\t(7)\t0\t25\t(64)\t52-(20)\t(100)\t4\t286\t1\t3\nDerivatives\t3789\t(560)\t0\t897\t(253)\t413 4\t(624) (169)\t(4)\t3493\t(614)\t9\nFVTPL assets\t7067\t(570)\t0\t1207\t(387)\t1054 4\t(850) (2328)\t(30)\t5167\t(838)\t156\nAFS\t\t\t\t\t\t\t\t\t\t\t\nDebt securities\t2948\t66\t150\t129\t(13)\t90-(721)\t(1434)\t(21)\t1194\t15\t41\nEquity shares\t390\t4\t9\t54\t(1)\t32-(4)\t(59)\t(25)\t400\t(11)\t0\nAFS assets\t3338\t70\t159\t183\t(14)\t122-(725)\t(1493)\t(46)\t1594\t4\t41\n\t10405\t(500)\t159\t1390\t(401)\t1176 4\t(1575) (3821)\t(76)\t6761\t(834)\t197\nOf which ABS\t\t\t\t\t\t\t\t\t\t\t\n- FVTPL (3)\t1350\t85\t0\t197\t(60)\t489-(121)\t(1348)\t(1)\t591\t(17)\t76\n- AFS\t2815\t84\t152\t129\t(13)\t68-(719)\t(1420)\t12\t1108\t13\t41\nLiabilities\t\t\t\t\t\t\t\t\t\t\t\nDeposits\t168\t(32)\t0\t140\t(31)-11\t\t(2)-(1)\t\t253\t(26)\t0\nDebt securities in issue\t1363\t26\t0\t277\t(192)-425\t\t(537)-(8)\t\t1354\t(29)\t50\nShort positions\t2--\t\t\t22-5\t\t--(10)\t\t(2)\t17\t(2)\t1\nDerivatives\t3317\t38\t0\t483\t(259)\t338-(701)\t(202)\t(7)\t3007\t(93)\t16\n\t4850\t32\t0\t922\t(482)\t343 436\t(1240) (212)\t(18)\t4631\t(150)\t67\nNet (losses)/gains\t\t(532)\t159\t\t\t\t\t\t\t(684)\t130\nFor the notes to this table refer to page 422.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_357": "11 Financial instruments - valuation continued\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\tAmounts recorded in the\t\n\t\tAmount recorded in the\t\tLevel 3 transfers\t\t\t\tForeign\t\tIncome statement on\t\n\tAt\tIncome\t\t\t\t\t\texchange\tAt\tbalances at year end\t\n\t1 January\tstatement (1)\tSOCI (2)\tIn\tOut Purchases\tIssuances Settlements\tSales\tand other\t31 December\tUnrealised\tRealised\n2012\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\t£m\t£m\t£m\t£m\nAssets\t\t\t\t\t\t\t\t\t\t\t\nFVTPL (3)\t\t\t\t\t\t\t\t\t\t\t\nLoans and advances\t\t\t\t\t\t\t\t\t\t\t\n- banks\t444\t5\t0\t28\t(1)--\t(64)\t(30)-382\t\t\t5\t0\n- customers\t316\t3\t0\t20\t(15) 589-(323)\t\t(15)\t(13)\t562\t(12)\t3\nDebt securities\t2243\t136\t0\t619\t(81) 1118-(188)\t\t(1886)\t(23)\t1938\t(54)\t72\nEquity shares\t573\t(26)\t0\t32\t(61) 158-(73)\t\t(198)\t(9)\t396\t(21)\t4\nDerivatives\t6732\t(2078)\t0\t425\t(495) 441-(990)\t\t(183)\t(63)\t3789\t(1761)\t34\nFVTPL assets\t10308\t(1960)\t0\t1124\t(653) 2306-(1638)\t\t(2312)\t(108)\t7067\t(1843)\t113\nAFS\t\t\t\t\t\t\t\t\t\t\t\nDebt securities\t5697\t100\t13\t391\t(472) 37-(1004)\t\t(1808)\t(6)\t2948\t(106)\t39\nEquity shares\t395\t74\t64\t74-15\t\t- (1)\t(218)\t(13)\t390\t55\t12\nAFS assets\t6092\t174\t77\t465\t(472) 52-(1005)\t\t(2026)\t(19)\t3338\t(51)\t51\n\t16400\t(1786)\t77\t1589\t(1125) 2358-(2643)\t\t(4338)\t(127)\t10405\t(1894)\t164\nOf which ABS\t\t\t\t\t\t\t\t\t\t\t\n- FVTPL (3)\t1304\t162\t0\t576\t(32) 1050-(188)\t\t(1515)\t(7)\t1350\t(23)\t29\n- AFS\t5622\t(12)\t86\t317\t(457) 36-(995)\t\t(1778)\t(4)\t2815\t(131)\t34\nLiabilities\t\t\t\t\t\t\t\t\t\t\t\nDeposits\t22\t87\t0\t50-7\t\t---\t\t2\t168\t78\t(2)\nDebt securities in issue\t2199\t158\t0\t9\t(1)-530\t(1521)-(11)\t\t\t1363\t169\t0\nShort positions\t291\t(269)\t0\t--3\t\t--(23)\t\t0\t2\t0\t0\nDerivatives\t3811\t(375)\t0\t877\t(513) 161\t12 (636)\t24\t(44)\t3317\t(593)\t0\n\t6323\t(399)\t0\t936\t(514) 171\t542 (2157)\t1\t(53)\t4850\t(346)\t(2)\nNet (losses)/gains\t\t(1387)\t77\t\t\t\t\t\t\t(1548)\t166\nFor the notes to this table refer to the following page.\t\t\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_358": "11 Financial instruments - valuation continued\t\t\t\t\t\t\t\t\t\t\n\t\tAmount recorded in the\t\tLevel 3 transfers\t\t\t\tForeign\t\tAmounts recorded in the\n\tAt\tIncome\t\t\t\t\t\texchange\tAt\tIncome statement on\n\t1 January\tstatement (1)\tSOCI (2)\tIn\tOut Purchases\tIssuances Settlements\tSales\tand other\t31 December\tbalances at year end\n2011\t£m\t£m\t£m\t£m\t£m £m\t£m £m\t£m\t£m\t£m\t£m\nAssets\t\t\t\t\t\t\t\t\t\t\nFVTPL (3)\t\t\t\t\t\t\t\t\t\t\nLoans and advances\t\t\t\t\t\t\t\t\t\t\n- banks\t383\t3\t0\t60-51\t\t- (36)\t(18)\t1\t444\t2\n- customers\t460\t(18)\t0\t85-650\t\t- (820)\t(46)\t5\t316\t(13)\nDebt securities\t3784\t(177)\t0\t164\t(380) 1014-(149)\t\t(2026)\t13\t2243\t(61)\nEquity shares\t716\t(46)\t0\t143\t(33) 56-(96)\t\t(162)\t(5)\t573\t(43)\nDerivatives\t5737\t(511)\t0\t3042\t(1441) 681\t3 (688)\t(146)\t55\t6732\t(522)\nFVTPL assets\t11080\t(749)\t0\t3494\t(1854) 2452\t3 (1789)\t(2398)\t69\t10308\t(637)\nAFS\t\t\t\t\t\t\t\t\t\t\nDebt securities\t4379\t2\t3\t2097\t(21) 98-(817)\t\t(47)\t3\t5697\t2\nEquity shares\t279\t2\t59\t82-7\t\t- (1)\t(29)\t(4)\t395\t(4)\nAFS assets\t4658\t4\t62\t2179\t(21) 105-(818)\t\t(76)\t(1)\t6092\t(2)\n\t15738\t(745)\t62\t5673\t(1875) 2557\t3 (2607)\t(2474)\t68\t16400\t(639)\nLiabilities\t\t\t\t\t\t\t\t\t\t\nDeposits\t84\t(35)\t0\t0\t(24)--\t(4)-1\t\t\t22\t(25)\nDebt securities in issue\t2203\t(201)\t0\t948\t(520)-688\t(886)-(33)\t\t\t2199\t(50)\nShort positions\t776\t(71)\t0\t58\t(3) 14\t20 (2)\t(504)\t3\t291\t(207)\nDerivatives\t1740\t279\t0\t1822\t(240) 534\t4 (197)\t(169)\t38\t3811\t325\nOther financial liabilities\t1--\t\t\t0\t(1)--\t---\t\t\t0\t0\n\t4804\t(28)\t0\t2828\t(788) 548\t712 (1089)\t(673)\t9\t6323\t43\nNet (losses)/gains\t\t(717)\t62\t\t\t\t\t\t\t(682)\n", "q10k_tbl_359": "11 Financial instruments - valuation continued\t\t\t\t\nFair value of financial instruments not carried at fair value\t\t\t\t\nThe following table shows the carrying value and fair value of financial instruments carried at amortised cost on the balance sheet.\t\t\t\t\n\tFair value approximates\tCarrying\tFair value of hierarchy level\t\n\tcarrying value\tvalue\tFair value Level 2\tLevel 3\n2013\t£bn\t£bn\t£bn £bn\t£bn\nFinancial assets\t\t\t\t\nCash and balances at central banks\t82.7\t\t\t\nLoans and advances to banks\t\t\t\t\n- items in the course of collection from other banks\t1.5\t\t\t\n- other\t\t16.8\t16.8 6.0\t10.8\nLoans and advances to customers\t\t\t\t\nUK Retail\t\t111.0\t110.3\t\nUK Corporate\t\t99.7\t96.4\t\nWealth\t\t16.6\t16.6\t\nInternational Banking\t\t35.5\t35.1\t\nUlster Bank\t\t26.1\t20.5\t\nUS Retail & Commercial\t\t49.3\t49.5\t\nMarkets and other\t\t11.7\t11.0\t\nNon-Core\t\t21.7\t20.6\t\nTotal loans and advances to customers\t\t371.6\t360.0 13.5\t346.5\nOf which:\t\t\t\t\nPerforming\t\t354.6\t343.9\t\nNon-performing\t\t17.0\t16.1\t\nDebt securities\t\t3.8\t3.2 1.9\t1.3\nSettlement balances\t5.6\t\t\t\nFinancial liabilities\t\t\t\t\nDeposits by banks\t\t\t\t\n- items in the course of transmission to other banks\t0.8\t\t\t\n- other\t\t20.3\t20.3 6.9\t13.4\nCustomer accounts\t\t\t\t\n- demand deposits\t268.7\t\t\t\n- other\t\t133.8\t134.0 89.4\t44.6\nDebt securities in issue\t\t43.4\t44.7 40.5\t4.2\nSettlement balances\t5.3\t\t\t\nNotes in circulation\t1.8\t\t\t\nSubordinated liabilities\t\t23.1\t22.5 22.3\t0.2\n", "q10k_tbl_360": "\t2012\t2012\t2011\t2011\n\tCarrying value\tFair value\tCarrying value\tFair value\n\t£bn\t£bn\t£bn\t£bn\nFinancial assets\t\t\t\t\nCash and balances at central banks\t79.3\t79.3\t79.3\t79.3\nLoans and advances to banks\t17.3\t17.3\t28.3\t28.2\nLoans and advances to customers\t405.1\t385.4\t436.2\t406.3\nDebt securities\t4.5\t4.0\t6.1\t5.5\nSettlement balances\t5.7\t5.7\t7.8\t7.8\nFinancial liabilities\t\t\t\t\nDeposits by banks\t34.5\t34.5\t51.3\t50.7\nCustomer accounts\t420.7\t421.0\t417.5\t417.6\nDebt securities in issue\t60.1\t59.8\t115.4\t112.7\nSettlement balances\t5.9\t5.9\t7.5\t7.5\nNotes in circulation\t1.7\t1.7\t1.7\t1.7\nSubordinated liabilities\t25.6\t24.3\t25.4\t19.2\n", "q10k_tbl_361": "12 Financial instruments - maturity analysis\t\t\t\t\t\t\t\t\t\nRemaining maturity\t\t\t\t\t\t\t\t\t\nThe following table shows the residual maturity of financial instruments based on contractual date of maturity.\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\tLess than\tMore than\t\tLess than\tMore than\t\tLess than\tMore than\t\n\t12 months\t12 months\tTotal 12 months\t12 months\tTotal\t12 months 12 months\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nAssets\t\t\t\t\t\t\t\t\t\nCash and balances at central banks\t82659-82659\t\t\t79290-79290\t\t\t79269-79269\t\t\nLoans and advances to banks\t53206\t865\t54071\t63143\t808\t63951\t80905\t2405\t83310\nLoans and advances to customers\t169314\t271408\t440722\t197855\t302280\t500135\t197338\t318268\t515606\nDebt securities\t19542\t94057\t113599\t26363\t131075\t157438\t45311\t163769\t209080\nEquity shares-8811\t\t\t8811\t0\t15232\t15232\t0\t15183\t15183\nSettlement balances\t5591-5591\t\t\t5741-5741\t\t\t7767\t4\t7771\nDerivatives\t45067\t242972\t288039\t51021\t390882\t441903\t60250\t469368\t529618\nLiabilities\t\t\t\t\t\t\t\t\t\nDeposits by banks\t61108\t2871\t63979\t90704\t10701\t101405\t100499\t8305\t108804\nCustomer accounts\t455620\t15260\t470880\t494405\t26874\t521279\t487428\t15527\t502955\nDebt securities in issue\t16547\t51272\t67819\t20296\t74296\t94592\t68889\t93732\t162621\nSettlement balances and short\t\t\t\t\t\t\t\t\t\npositions\t10490\t22845\t33335\t8573\t24896\t33469\t15248\t33268\t48516\nDerivatives\t45385\t240141\t285526\t51503\t382830\t434333\t61734\t462249\t523983\nSubordinated liabilities\t1350\t22662\t24012\t2351\t24422\t26773\t624\t25695\t26319\n", "q10k_tbl_362": "12 Financial instruments - maturity analysis continued\t\t\t\t\t\t\n\t0-3 months\t3-12 months\t1-3 years\t3-5 years\t5-10 years\t10-20 years\n2013\t£m\t£m\t£m\t£m\t£m\t£m\nAssets by contractual maturity\t\t\t\t\t\t\nCash and balances at central banks\t82659--\t\t\t---\t\t\nLoans and advances to banks\t16096\t1876\t279\t4\t74\t5\nDebt securities\t3078\t5044\t10667\t11310\t14189\t7238\nSettlement balances\t5591--\t\t\t---\t\t\nTotal maturing assets\t107424\t6920\t10946\t11314\t14263\t7243\nLoans and advances to customers\t70511\t48027\t84836\t65542\t74296\t69242\nDerivatives held for hedging\t545\t1282\t2148\t427\t115\t93\n\t178480\t56229\t97930\t77283\t88674\t76578\nLiabilities by contractual maturity\t\t\t\t\t\t\nDeposits by banks\t16867\t1550\t1306\t158\t944\t426\nDebt securities in issue\t11457\t7601\t16375\t7356\t9879\t4840\nSubordinated liabilities\t324\t1982\t6473\t6140\t11376\t3345\nSettlement balances and other liabilities\t7074\t4\t9\t4-1\t\t\nTotal maturing liabilities\t35722\t11137\t24163\t13658\t22199\t8612\nCustomer accounts\t388322\t9524\t5889\t2356\t698\t35\nDerivatives held for hedging\t130\t271\t933\t1190\t1732\t330\n\t424174\t20932\t30985\t17204\t24629\t8977\nMaturity gap\t71702\t(4217)\t(13217)\t(2344)\t(7936)\t(1369)\nCumulative maturity gap\t71702\t67485\t54268\t51924\t43988\t42619\nGuarantees and commitments notional amount\t\t\t\t\t\t\nGuarantees (1)\t20179--\t\t\t---\t\t\nCommitments (2)\t213046--\t\t\t---\t\t\n\t233225--\t\t\t---\t\t\nFor the notes relating to this table refer to page 428.\t\t\t\t\t\t\n", "q10k_tbl_363": "12 Financial instruments - maturity analysis continued\t\t\t\t\t\t\n\t0-3 months\t3-12 months\t1-3 years\t3-5 years\t5-10 years\t10-20 years\n2012\t£m\t£m\t£m\t£m\t£m\t£m\nAssets by contractual maturity\t\t\t\t\t\t\nCash and balances at central banks\t79290--\t\t\t---\t\t\nLoans and advances to banks\t15592\t1393\t272\t27\t20\t62\nDebt securities\t6320\t4505\t13330\t19369\t25772\t10644\nSettlement balances\t5741--\t\t\t---\t\t\nTotal maturing assets\t106943\t5898\t13602\t19396\t25792\t10706\nLoans and advances to customers\t73590\t57403\t93445\t65569\t76682\t87450\nDerivatives held for hedging\t571\t1878\t3909\t1879\t429\t67\n\t181104\t65179\t110956\t86844\t102903\t98223\nLiabilities by contractual maturity\t\t\t\t\t\t\nDeposits by banks\t23363\t973\t8336\t388\t1091\t594\nDebt securities in issue\t15072\t14555\t23733\t13118\t20154\t4975\nSubordinated liabilities\t318\t2979\t7045\t3182\t11134\t3603\nSettlement balances and other liabilities\t7560\t4\t9\t1-1\t\t\nTotal maturing liabilities\t46313\t18511\t39123\t16689\t32379\t9173\nCustomer accounts\t386504\t24123\t11791\t2186\t1246\t63\nDerivatives held for hedging\t310\t752\t1790\t1262\t1244\t684\n\t433127\t43386\t52704\t20137\t34869\t9920\nMaturity gap\t60630\t(12613)\t(25521)\t2707\t(6587)\t1533\nCumulative maturity gap\t60630\t48017\t22496\t25203\t18616\t20149\nGuarantees and commitments notional amount\t\t\t\t\t\t\nGuarantees (1)\t19025--\t\t\t---\t\t\nCommitments (2)\t215808--\t\t\t---\t\t\n\t234833--\t\t\t---\t\t\nFor the notes relating to this table refer to the following page.\t\t\t\t\t\t\n", "q10k_tbl_364": "12 Financial instruments - maturity analysis continued\t\t\t\t\t\t\n\t0-3 months\t3-12 months\t1-3 years\t3-5 years\t5-10 years\t10-20 years\n2011\t£m\t£m\t£m\t£m\t£m\t£m\nAssets by contractual maturity\t\t\t\t\t\t\nCash and balances at central banks\t79269--\t\t\t---\t\t\nLoans and advances to banks\t26326\t1294\t544\t121\t114\t0\nDebt securities\t7237\t9569\t23137\t21003\t39148\t15869\nSettlement balances\t7759\t8-1\t\t\t0\t0\nOther financial assets\t397\t158-16\t\t\t738\t0\nTotal maturing assets\t120988\t11029\t23681\t21141\t40000\t15869\nLoans and advances to customers\t97318\t90894\t108331\t55785\t62085\t56259\nDerivatives held for hedging\t519\t1556\t3438\t1695\t596\t138\n\t218825\t103479\t135450\t78621\t102681\t72266\nLiabilities by contractual maturity\t\t\t\t\t\t\nDeposits by banks\t39139\t5104\t5513\t461\t1121\t364\nDebt securities in issue\t66253\t15756\t25099\t17627\t18833\t4190\nSubordinated liabilities\t133\t1116\t4392\t7872\t8654\t3488\nSettlement balances and other liabilities\t9015\t37\t36\t62\t16\t15\nTotal maturing liabilities\t114540\t22013\t35040\t26022\t28624\t8057\nCustomer accounts\t379692\t23068\t12643\t5389\t1483\t779\nDerivatives held for hedging\t525\t788\t1981\t1186\t1101\t821\n\t494757\t45869\t49664\t32597\t31208\t9657\nMaturity gap\t6448\t(10984)\t(11359)\t(4881)\t11376\t7812\nCumulative maturity gap\t6448\t(4536)\t(15895)\t(20776)\t(9400)\t(1588)\nGuarantees and commitments notional amount\t\t\t\t\t\t\nGuarantees (1)\t24886--\t\t\t---\t\t\nCommitments (2)\t239963--\t\t\t---\t\t\n\t264849--\t\t\t---\t\t\n", "q10k_tbl_365": "13 Financial assets - impairments\t\t\t\t\t\nThe following table shows the movement in the provision for impairment losses on loans and advances.\t\t\t\t\t\n\tIndividually\tCollectively\t\t\t\n\tassessed\tassessed\tLatent 2013\t2012\t2011\n\t£m\t£m\t£m £m\t£m\t£m\nAt 1 January\t12749\t6541\t1960 21250\t19883\t18182\nTransfers (to)/from disposal groups--\t\t\t(9) (9)\t764\t(773)\nCurrency translation and other adjustments\t77\t36\t8 121\t(310)\t(283)\nDisposals\t(4)\t(73)-(77)\t\t(5)\t8\nAmounts written-off\t(2652)\t(1694)-(4346)\t\t(4266)\t(4527)\nRecoveries of amounts previously written-off\t95\t161-256\t\t341\t527\nCharge to income statement\t\t\t\t\t\n- continuing operations\t6904\t1464\t44 8412\t5315\t7241\n- discontinued operations--\t\t\t--4\t\t(8)\nUnwind of discount (recognised in interest income)\t(260)\t(131)-(391)\t\t(476)\t(484)\nAt 31 December (1)\t16909\t6304\t2003 25216\t21250\t19883\n", "q10k_tbl_366": "13 Financial assets - impairments continued\t\t\t\n\t2013\t2012\t2011\nImpairment losses/(recoveries) charged to the income statement\t£m\t£m\t£m\nLoans and advances to customers\t8427\t5292\t7241\nLoans and advances to banks\t(15)\t23\t0\n\t8412\t5315\t7241\nDebt securities\t20\t(67)\t1431\nEquity shares-31\t\t\t35\n\t20\t(36)\t1466\n\t8432\t5279\t8707\n", "q10k_tbl_367": "The following tables analyse impaired financial assets.\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\t\t\tCarrying\t\t\tCarrying\t\t\tCarrying\n\tCost\tProvision\tvalue\tCost\tProvision\tvalue\tCost\tProvision\tvalue\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nLoans and receivables\t\t\t\t\t\t\t\t\t\nLoans and advances to banks (1)\t70\t63\t7\t134\t114\t20\t137\t123\t14\nLoans and advances to customers (2)\t37101\t23150\t13951\t38352\t19176\t19176\t38610\t17774\t20836\n\t37171\t23213\t13958\t38486\t19290\t19196\t38747\t17897\t20850\n", "q10k_tbl_368": "\tCarrying\tCarrying\tCarrying\n\tvalue\tvalue\tvalue\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nAvailable-for-sale securities\t\t\t\nDebt securities\t145\t225\t873\nEquity shares\t30\t31\t57\nLoans and receivables\t\t\t\nDebt securities\t585\t1008\t234\n\t760\t1264\t1164\n", "q10k_tbl_369": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nResidential property\t18\t67\t60\nOther property\t13\t46\t73\nCash\t44\t49\t56\nOther assets\t2\t1\t2\n\t77\t163\t191\n", "q10k_tbl_370": "\t2013\t\t\t2012\t\t\t2011\t\t\n\tNotional\t\t\tNotional\t\t\tNotional\t\t\n\tamount\tAssets\tLiabilities\tamount\tAssets\tLiabilities\tamount\tAssets\tLiabilities\n\t£bn\t£m\t£m\t£bn\t£m\t£m\t£bn\t£m\t£m\nExchange rate contracts\t\t\t\t\t\t\t\t\t\nSpot forwards and futures\t2041\t24495\t24136\t2259\t23237\t22721\t2127\t30249\t28868\nCurrency swaps\t956\t18576\t22846\t1071\t22238\t30223\t1071\t25212\t33541\nOptions purchased\t792\t18852\t0\t683\t17580\t0\t640\t19031\t0\nOptions written\t766-18767\t\t\t684-17536\t\t\t641-18571\t\t\nInterest rate contracts\t\t\t\t\t\t\t\t\t\nInterest rate swaps\t27483\t179891\t172618\t25474\t300907\t286620\t29976\t346682\t333968\nOptions purchased\t1568\t37437\t0\t1934\t61798\t0\t2398\t74600\t0\nOptions written\t1513-35410\t\t\t1884-58289\t\t\t2592-71998\t\t\nFutures and forwards\t5025\t712\t669\t4191\t749\t653\t3756\t874\t743\nCredit derivatives\t253\t5306\t5388\t553\t11005\t10353\t1054\t26836\t26743\nEquity and commodity contracts\t81\t2770\t5692\t111\t4389\t7938\t123\t6134\t9551\n\t\t288039\t285526\t\t441903\t434333\t\t529618\t523983\n", "q10k_tbl_371": "14 Derivatives continued\t\t\t\nIncluded in the table above are derivatives held for hedging purposes as follows:\t\t\t\n\t2013\t2012\t2011\n\tAssets Liabilities\tAssets Liabilities\tAssets Liabilities\n\t£m £m\t£m £m\t£m £m\nFair value hedging\t\t\t\nInterest rate contracts\t2086 2587\t3779 4488\t3550 4288\nCash flow hedging\t\t\t\nInterest rate contracts\t2390 1602\t4854 1276\t3985 1445\nNet investment hedging\t\t\t\nExchange rate contracts\t55 38\t6 32\t148 148\n", "q10k_tbl_372": "Hedge ineffectiveness recognised in other operating income comprised:\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nFair value hedging\t\t\t\n(Losses)/gains on the hedged items attributable to the hedged risk\t(165)\t178\t557\nGains/(losses) on the hedging instruments\t154\t(132)\t(541)\nFair value hedging ineffectiveness\t(11)\t46\t16\nCash flow hedging ineffectiveness\t(64)\t26\t20\n\t(75)\t72\t36\n", "q10k_tbl_373": "The following table shows when hedged cash flows are expected to occur and when they will affect income for designated cash flow hedges.\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tOver\n\t0-1 years\t1-2 years\t2-3 years\t3-4 years\t4-5 years\t5-10 years 10-20 years\t20 years Total\n2013\t£m\t£m\t£m\t£m\t£m\t£m £m\t£m £m\nHedged forecast cash flows expected to occur\t\t\t\t\t\t\t\nForecast receivable cash flows\t303\t284\t243\t206\t144\t271--\t1451\nForecast payable cash flows\t(33)\t(22)\t(18)\t(15)\t(14)\t(64) (101)\t(19) (286)\nHedged forecast cash flows affect on profit or loss\t\t\t\t\t\t\t\nForecast receivable cash flows\t302\t281\t239\t201\t138\t261--\t1422\nForecast payable cash flows\t(32)\t(22)\t(18)\t(16)\t(13)\t(64) (101)\t(19) (285)\n2012\t\t\t\t\t\t\t\nHedged forecast cash flows expected to occur\t\t\t\t\t\t\t\nForecast receivable cash flows\t285\t259\t232\t177\t138\t190--\t1281\nForecast payable cash flows\t(56)\t(45)\t(37)\t(35)\t(35)\t(172) (259)\t(39) (678)\nHedged forecast cash flows affect on profit or loss\t\t\t\t\t\t\t\nForecast receivable cash flows\t277\t257\t225\t171\t132\t180--\t1242\nForecast payable cash flows\t(55)\t(44)\t(36)\t(35)\t(35)\t(173) (257)\t(37) (672)\n2011\t\t\t\t\t\t\t\nHedged forecast cash flows expected to occur\t\t\t\t\t\t\t\nForecast receivable cash flows\t407\t415\t360\t306\t200\t280--\t1968\nForecast payable cash flows\t(120)\t(106)\t(73)\t(70)\t(71)\t(344) (568)\t(160) (1512)\nHedged forecast cash flows affect on profit or loss\t\t\t\t\t\t\t\nForecast receivable cash flows\t422\t402\t355\t291\t188\t265--\t1923\nForecast payable cash flows\t(122)\t(102)\t(72)\t(70)\t(70)\t(346) (568)\t(159) (1509)\n", "q10k_tbl_374": "15 Debt securities\t\t\t\t\t\t\t\t\n\t\t\t\t\tOther\t\t\t\n\tCentral and local government\t\t\t\tfinancial\t\t\tOf which\n\tUK\tUS\tOther\tBanks\tinstitutions\tCorporate\tTotal\tABS (1)\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nHeld-for-trading\t6764\t10951\t22794\t1720\t12406\t1947\t56582\t10674\nDesignated as at fair value through profit or loss--\t\t\t104-17\t\t\t1\t122\t15\nAvailable-for-sale\t6436\t12880\t10303\t5974\t17330\t184\t53107\t24174\nLoans and receivables\t10\t1-175\t\t\t3466\t136\t3788\t3423\n\t13210\t23832\t33201\t7869\t33219\t2268\t113599\t38286\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t201\t428\t445\t70\t386\t11\t1541\t458\nGross unrealised losses\t(69)\t(86)\t(32)\t(205)\t(493)\t(2)\t(887)\t(753)\n2012\t\t\t\t\t\t\t\t\nHeld-for-trading\t7692\t17349\t27165\t2243\t21876\t2015\t78340\t18619\nDesignated as at fair value through profit or loss--\t\t\t123\t86\t610\t54\t873\t516\nAvailable-for-sale\t7950\t19040\t15995\t7227\t23294\t231\t73737\t30184\nLoans and receivables\t5--\t\t\t365\t3728\t390\t4488\t3707\n\t15647\t36389\t43283\t9921\t49508\t2690\t157438\t53026\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t944\t1092\t1185\t56\t650\t19\t3946\t748\nGross unrealised losses-(1)\t\t\t(14)\t(498)\t(1319)-(1832)\t\t\t(1816)\n2011\t\t\t\t\t\t\t\t\nHeld-for-trading\t9004\t19636\t36928\t3400\t23160\t2948\t95076\t20816\nDesignated as at fair value through profit or loss\t1-127\t\t\t53\t457\t9\t647\t558\nAvailable-for-sale\t13436\t20848\t25552\t13175\t31752\t2535\t107298\t40735\nLoans and receivables\t10-1\t\t\t312\t5259\t477\t6059\t5200\n\t22451\t40484\t62608\t16940\t60628\t5969\t209080\t67309\nAvailable-for-sale\t\t\t\t\t\t\t\t\nGross unrealised gains\t1428\t1311\t1180\t52\t913\t94\t4978\t1001\nGross unrealised losses--\t\t\t(171)\t(838)\t(2386)\t(13)\t(3408)\t(3158)\n", "q10k_tbl_375": "\tWithin 1 year\t\tAfter 1 but within 5 years\t\tAfter 5 but within 10 years\t\tAfter 10 years\t\tTotal\t\n\tAmount\tYield\tAmount\tYield\tAmount\tYield\tAmount\tYield\tAmount\tYield\n2013%\t£m\t\t£m%\t\t£m%\t\t£m%\t\t£m%\t\nCentral and local governments\t\t\t\t\t\t\t\t\t\t\n- UK\t251\t4.4\t1792\t2.3\t3167\t3.0\t1226\t3.4\t6436\t2.9\n- US\t896\t1.7\t6011\t2.7\t2892\t2.7\t3081\t2.4\t12880\t2.6\n- other\t2347\t1.3\t4417\t2.7\t1745\t2.5\t1794\t3.7\t10303\t2.5\nBanks\t2071\t1.1\t3284\t1.2\t438\t3.7\t181\t1.9\t5974\t1.4\nOther financial institutions\t1013\t1.7\t3416\t2.4\t3950\t2.8\t8951\t1.8\t17330\t2.1\nCorporate\t1\t0.1\t69\t1.3\t114\t6.9\t0\t0\t184\t4.8\n\t6579\t1.5\t18989\t2.3\t12306\t2.9\t15233\t2.3\t53107\t2.3\nOf which ABS (1)\t920\t2.1\t5781\t2.1\t5346\t3.0\t12127\t2.0\t24174\t2.3\n2012\nCentral and local governments\t\t\t\t\t\t\t\t\t\t\n- UK--\t\t\t1559\t2.0\t4105\t3.3\t2286\t3.5\t7950\t3.1\n- US\t139\t2.4\t10633\t2.3\t6022\t2.4\t2246\t2.5\t19040\t2.3\n- other\t3346\t0.6\t5849\t3.0\t5273\t3.0\t1527\t3.4\t15995\t2.6\nBanks\t1764\t1.6\t3294\t2.8\t1685\t1.2\t484\t1.6\t7227\t2.1\nOther financial institutions\t741\t3.0\t5289\t2.5\t4378\t3.0\t12886\t1.4\t23294\t2.0\nCorporate\t25\t2.5\t140\t2.4\t66\t1.2\t0\t0\t231\t2.0\n\t6015\t1.2\t26764\t2.5\t21529\t2.7\t19429\t2.0\t73737\t2.3\nOf which ABS (1)\t1385\t1.8\t6413\t2.9\t6773\t2.4\t15613\t1.4\t30184\t2.0\n", "q10k_tbl_376": "16 Equity shares\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012\t\t\t2011\t\t\n\tListed\tUnlisted\tTotal\tListed\tUnlisted\tTotal\tListed\tUnlisted\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nHeld-for-trading\t7121\t78\t7199\t13261\t68\t13329\t12366\t67\t12433\nDesignated as at fair value through profit or loss\t172\t228\t400\t251\t282\t533\t373\t401\t774\nAvailable-for-sale\t196\t1016\t1212\t221\t1149\t1370\t609\t1367\t1976\n\t7489\t1322\t8811\t13733\t1499\t15232\t13348\t1835\t15183\nAvailable-for-sale\t\t\t\t\t\t\t\t\t\nGross unrealised gains\t73\t177\t250\t58\t172\t230\t69\t317\t386\nGross unrealised losses\t(9)\t(10)\t(19)\t(54)\t(13)\t(67)\t(19)\t(114)\t(133)\n\t64\t167\t231\t4\t159\t163\t50\t203\t253\n", "q10k_tbl_377": "17 Intangible assets\t\t\t\t\t\n\t\tCore\tOther\tInternally\t\n\t\tdeposit\tpurchased\tgenerated\t\n\tGoodwill\tintangibles\tintangibles\tsoftware\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nCost\t\t\t\t\t\nAt 1 January\t25288\t178\t830\t5010\t31306\nTransfers to disposal groups--\t\t\t(43)\t(24)\t(67)\nCurrency translation and other adjustments\t(5)\t3\t2\t(14)\t(14)\nAdditions--\t\t\t84\t907\t991\nDisposals and write-off of fully amortised assets\t(1)\t(1)\t(18)\t(1321)\t(1341)\nAt 31 December\t25282\t180\t855\t4558\t30875\nAccumulated amortisation and impairment\t\t\t\t\t\nAt 1 January\t14022\t83\t596\t3060\t17761\nTransfers to disposal groups--\t\t\t(9)\t(1)\t(10)\nCurrency translation and other adjustments\t62\t13\t(37)\t(10)\t28\nDisposals and write-off of fully amortised assets-(1)\t\t\t(10)\t(1221)\t(1232)\nCharge for the year\t\t\t\t\t\n- continuing operations-31\t\t\t122\t404\t557\nWrite-down of goodwill and other intangible assets\t\t\t\t\t\n- continuing operations\t1059\t49\t80\t215\t1403\nAt 31 December\t15143\t175\t742\t2447\t18507\nNet book value at 31 December\t10139\t5\t113\t2111\t12368\n", "q10k_tbl_378": "2012\t\t\t\t\t\nCost\t\t\t\t\t\nAt 1 January\t26843\t620\t2432\t5448\t35343\nTransfers to disposal groups\t(984)-(15)\t\t\t(341)\t(1340)\nCurrency translation and other adjustments\t(486)\t(16)\t(74)\t(368)\t(944)\nAcquisition of subsidiaries--\t\t\t0\t5\t5\nAdditions--\t\t\t39\t909\t948\nDisposals and write-off of fully amortised assets\t(85)\t(426)\t(1552)\t(643)\t(2706)\nAt 31 December\t25288\t178\t830\t5010\t31306\nAccumulated amortisation and impairment\t\t\t\t\t\nAt 1 January\t14419\t495\t1951\t3620\t20485\nTransfers to disposal groups\t(444)-(10)\t\t\t(136)\t(590)\nCurrency translation and other adjustments\t(289)\t(13)\t(55)\t(356)\t(713)\nDisposals and write-off of fully amortised assets\t(76)\t(426)\t(1542)\t(638)\t(2682)\nCharge for the year\t\t\t\t\t\n- continuing operations-20\t\t\t157\t528\t705\n- discontinued operations--\t\t\t1\t37\t38\nWrite-down of goodwill and other intangible assets\t\t\t\t\t\n- continuing operations\t18\t7\t94\t5\t124\n- discontinued operations\t394--\t\t\t0\t394\nAt 31 December\t14022\t83\t596\t3060\t17761\nNet book value at 31 December\t11266\t95\t234\t1950\t13545\n", "q10k_tbl_379": "17 Intangible assets continued\t\t\t\t\n\tCore\tOther\tInternally\t\n\tdeposit\tpurchased\tgenerated\t\n\tGoodwill intangibles\tintangibles\tsoftware\tTotal\n2011\t£m £m\t£m\t£m\t£m\nCost\t\t\t\t\nAt 1 January\t27139 612\t2458\t4575\t34784\nTransfers to disposal groups\t(95)--\t\t0\t(95)\nCurrency translation and other adjustments\t(219) 8\t(60)\t59\t(212)\nAcquisition of subsidiaries\t18--\t\t0\t18\nAdditions--\t\t34\t1050\t1084\nDisposals and write-off of fully amortised assets--\t\t0\t(236)\t(236)\nAt 31 December\t26843 620\t2432\t5448\t35343\nAccumulated amortisation and impairment\t\t\t\t\nAt 1 January\t14611 462\t1822\t3441\t20336\nTransfers to disposal groups\t(80)--\t\t0\t(80)\nCurrency translation and other adjustments\t(203) (5)\t(55)\t13\t(250)\nDisposals and write-off of fully amortised assets--\t\t0\t(220)\t(220)\nCharge for the year\t\t\t\t\n- continuing operations-38\t\t184\t363\t585\n- discontinued operations--\t\t0\t23\t23\nWrite-down of goodwill and other intangible assets\t\t\t\t\n- continuing operations\t80--\t\t0\t80\n- discontinued operations\t11--\t\t0\t11\nAt 31 December\t14419 495\t1951\t3620\t20485\nNet book value at 31 December\t12424 125\t481\t1828\t14858\n", "q10k_tbl_380": "\t\t\t\t\t\t\tConsequential\n\t\t\t\t\tConsequential impact of 1%\t\timpact of 5%\n\t\tAssumptions\t\tRecoverable\tadverse movement in\t\tadverse movement\n\t\tTerminal\tPre-tax\tamount exceeded\tDiscount\tTerminal\tin forecast\n\tGoodwill\tgrowth rate\tdiscount rate\tcarrying value\trate\tgrowth rate\tpre-tax earnings\nSeptember 2013%\t£bn%\t\t\t£bn\t£bn\t£bn\t£bn\nUK Retail\t2.8\t4.4\t10.4\t20.4\t(4.2)\t(3.3)\t(1.7)\nUK Corporate\t2.8\t4.4\t10.5\t7.3\t(3.3)\t(2.1)\t(1.6)\nWealth\t0.6\t4.4\t12.0\t0.7\t(0.4)\t(0.3)\t(0.2)\nUS Retail & Commercial\t3.8\t4.8\t12.8\t4.1\t(1.5)\t(0.8)\t(0.8)\n", "q10k_tbl_381": "September 2012\t\t\t\t\t\t\t\nUK Retail\t2.8\t4.7\t13.5\t13.8\t(2.5)\t(2.4)\t(1.3)\nUK Corporate\t2.8\t4.7\t13.5\t6.3\t(2.3)\t(1.8)\t(1.4)\nWealth\t0.6\t4.7\t14.8\t1.9\t(0.5)\t(0.4)\t(0.3)\nInternational Banking\t1.0\t4.7\t12.2\t0.3\t(1.1)\t(1.2)\t(0.6)\nUS Retail & Commercial\t3.8\t5.3\t16.9\t2.0\t(1.2)\t(0.8)\t(0.7)\n", "q10k_tbl_382": "September 2011\t\t\t\t\t\t\t\nUK Retail\t2.7\t3.0\t14.0\t5.5\t(1.1)\t(0.6)\t(0.8)\nUK Corporate\t2.7\t3.0\t14.1\t2.1\t(1.1)\t(0.5)\t(0.8)\nWealth\t0.6\t3.0\t11.0\t3.9\t(1.0)\t(0.7)\t(0.4)\nGlobal Transaction Services\t2.4\t3.0\t11.4\t4.7\t(1.8)\t(0.9)\t(0.6)\nUS Retail & Commercial\t2.8\t5.0\t14.4\t0.2\t(1.1)\t(0.5)\t(0.6)\nDirect Line Group\t0.9\t3.0\t12.3\t0.8\t(0.5)\t(0.2)\t(0.3)\n", "q10k_tbl_383": "18 Property plant and equipment\t\tLong\tShort\tComputers\tOperating\t\n\tInvestment Freehold\tleasehold\tleasehold\tand other\tlease\t\n\tproperties premises\tpremises\tpremises\tequipment\tassets\tTotal\n2013\t£m £m\t£m\t£m\t£m\t£m\t£m\nCost or valuation\t\t\t\t\t\t\nAt 1 January\t3111 2998\t289\t1732\t4606\t3325\t16061\nTransfers to disposal groups\t(26) (30)-(12)\t\t\t(45)-(113)\t\t\nCurrency translation and other adjustments\t34 (10)\t(2)\t(15)\t(42)\t(1)\t(36)\nReclassifications-5\t\t0\t4\t(9)--\t\t\nAdditions\t121 49\t9\t102\t411\t60\t752\nExpenditure on investment properties\t13--\t\t---\t\t\t13\nChange in fair value of investment properties\t(281)--\t\t---\t\t\t(281)\nDisposals and write-off of fully depreciated assets\t(339) (34)\t(10)\t(79)\t(677)\t(1485)\t(2624)\nAt 31 December\t2633 2978\t286\t1732\t4244\t1899\t13772\nAccumulated impairment depreciation and amortisation\t\t\t\t\t\t\nAt 1 January-852\t\t151\t924\t3228\t1122\t6277\nTransfers to disposal groups-(6)\t\t0\t(9)\t(35)-(50)\t\t\nCurrency translation and other adjustments-4\t\t5\t(7)\t(35)\t(4)\t(37)\nWrite down of property plant and equipment-15\t\t3--\t\t\t0\t18\nDisposals and write-off of fully depreciated assets-(12)\t\t(1)\t(65)\t(561)\t(559)\t(1198)\nCharge for the year-110\t\t11\t137\t384\t211\t853\nAt 31 December-963\t\t169\t980\t2981\t770\t5863\nNet book value at 31 December\t2633 2015\t117\t752\t1263\t1129\t7909\n2012\t\t\t\t\t\t\nCost or valuation\t\t\t\t\t\t\nAt 1 January\t4468 2855\t273\t1823\t4479\t3892\t17790\nTransfers (to)/from disposal groups\t(129) 101\t11\t95\t(135)-(57)\t\t\nCurrency translation and other adjustments\t(51) 21\t13\t(124)\t(182)\t(53)\t(376)\nReclassifications\t24 (47)\t21\t(6)\t8--\t\t\nAdditions\t372 153\t8\t121\t519\t402\t1575\nExpenditure on investment properties\t10--\t\t---\t\t\t10\nChange in fair value of investment properties\t\t\t\t\t\t\n- continuing operations\t(153)--\t\t---\t\t\t(153)\n- discontinued operations\t(5)--\t\t---\t\t\t(5)\nDisposals and write-off of fully depreciated assets\t(1425) (85)\t(37)\t(177)\t(83)\t(916)\t(2723)\nAt 31 December\t3111 2998\t289\t1732\t4606\t3325\t16061\nAccumulated impairment depreciation and amortisation\t\t\t\t\t\t\nAt 1 January-736\t\t114\t850\t3035\t1187\t5922\nTransfers from/(to) disposal groups-43\t\t6\t66\t(65)-50\t\t\nCurrency translation and other adjustments-(9)\t\t11\t(114)\t(157)\t(21)\t(290)\nReclassifications-(7)\t\t7--\t\t\t0\t0\nWrite down of property plant and equipment-9\t\t7\t1--\t\t\t17\nDisposals and write-off of fully depreciated assets-(15)\t\t(4)\t(16)\t(36)\t(462)\t(533)\nCharge for the year\t\t\t\t\t\t\n- continuing operations-94\t\t10\t137\t438\t418\t1097\n- discontinued operations-1\t\t--13\t\t\t0\t14\nAt 31 December-852\t\t151\t924\t3228\t1122\t6277\nNet book value at 31 December\t3111 2146\t138\t808\t1378\t2203\t9784\n", "q10k_tbl_384": "18 Property plant and equipment continued\t\t\t\t\t\t\n\t\tLong\tShort\tComputers\tOperating\t\n\tInvestment Freehold\tleasehold\tleasehold\tand other\tlease\t\n\tproperties premises\tpremises\tpremises\tequipment\tassets\tTotal\n2011\t£m £m\t£m\t£m\t£m\t£m\t£m\nCost or valuation\t\t\t\t\t\t\nAt 1 January\t4170 2938\t291\t1832\t4239\t9235\t22705\nTransfers to disposal groups-(107)\t\t(12)\t(93)\t(49)\t(5355)\t(5616)\nCurrency translation and other adjustments\t(103) 2\t(4)\t(6)\t(77)\t3\t(185)\nReclassifications\t57 8\t(38)\t(35)\t8--\t\t\nAdditions\t1262 68\t46\t174\t532\t1384\t3466\nExpenditure on investment properties\t14--\t\t---\t\t\t14\nChange in fair value of investment properties\t\t\t\t\t\t\n- continuing operations\t(139)--\t\t---\t\t\t(139)\nDisposals and write-off of fully depreciated assets\t(793) (54)\t(10)\t(49)\t(174)\t(1375)\t(2455)\nAt 31 December\t4468 2855\t273\t1823\t4479\t3892\t17790\nAccumulated impairment depreciation and amortisation\t\t\t\t\t\t\nAt 1 January-702\t\t118\t793\t2700\t1849\t6162\nTransfers to disposal groups-(43)\t\t(6)\t(66)\t(26)\t(730)\t(871)\nCurrency translation and other adjustments-6\t\t4\t(1)\t(28)\t15\t(4)\nReclassifications-3\t\t(9)\t7-(1)\t\t\t0\nWrite down of property plant and equipment--\t\t3\t1\t1-5\t\t\nDisposals and write-off of fully depreciated assets-(29)\t\t0\t(32)\t(110)\t(466)\t(637)\nCharge for the year\t\t\t\t\t\t\n- continuing operations-95\t\t4\t148\t487\t520\t1254\n- discontinued operations-2\t\t--11\t\t\t0\t13\nAt 31 December-736\t\t114\t850\t3035\t1187\t5922\nNet book value at 31 December\t4468 2119\t159\t973\t1444\t2705\t11868\n", "q10k_tbl_385": "19 Prepayments accrued income and other assets\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nPrepayments\t612\t904\t1123\nAccrued income\t530\t526\t672\nDeferred expenses\t42\t57\t502\nPension schemes in net surplus (see Note 4)\t214\t144\t188\nInterests in associates\t902\t776\t344\nOther assets\t5314\t5413\t8147\n\t7614\t7820\t10976\n", "q10k_tbl_386": "(a) Profit/(loss) from discontinued operations net of tax\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nDirect Line Group\t\t\t\nNet premium income\t699\t3718\t4256\nOther income\t62\t(16)\t30\nTotal income\t761\t3702\t4286\nOperating expenses\t(171)\t(1406)\t(892)\nProfit before insurance net claims and impairment losses\t590\t2296\t3394\nInsurance net claims\t(445)\t(2427)\t(2968)\nImpairment losses--\t\t\t(2)\nOperating profit/(loss) before tax\t145\t(131)\t424\nTax charge\t(18)\t(53)\t(123)\nProfit/(loss) after tax from discontinued general insurance business\t127\t(184)\t301\nOther\t\t\t\nTotal income\t26\t29\t42\nOperating expenses\t(1)\t(3)\t(5)\nProfit before impairment losses\t25\t26\t37\nImpairment losses-(4)\t\t\t8\nProfit before tax\t25\t22\t45\nTax charge\t(11)\t(8)\t(11)\nProfit after tax\t14\t14\t34\nBusinesses acquired exclusively with a view to disposal\t\t\t\nProfit/(loss) after tax\t7\t(2)\t13\nProfit from other discontinued operations net of tax\t21\t12\t47\n", "q10k_tbl_387": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nNet cash flows from operating activities\t101\t(839)\t(246)\nNet cash flows from investing activities\t45\t1724\t(87)\nNet cash flows from financing activities\t(346)\t(775)\t(115)\nNet (decrease)/increase in cash and cash equivalents\t(210)\t108\t(454)\n", "q10k_tbl_388": "(c) Assets and liabilities of disposal groups\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nAssets of disposal groups\t\t\t\nCash and balances at central banks\t2\t18\t127\nLoans and advances to banks\t63\t2112\t87\nLoans and advances to customers\t1765\t1863\t19405\nDebt securities and equity shares\t24\t7191\t5\nDerivatives\t1\t15\t439\nIntangible assets\t30\t750\t15\nSettlement balances--\t\t\t14\nProperty plant and equipment\t32\t223\t4749\nInterests in associates\t879--\t\t\nOther assets\t58\t1666\t456\nDiscontinued operations and other disposal groups\t2854\t13838\t25297\nAssets acquired exclusively with a view to disposal\t163\t175\t153\n\t3017\t14013\t25450\nLiabilities of disposal groups\t\t\t\nDeposits by banks-1\t\t\t1\nCustomer accounts\t3273\t753\t22610\nDerivatives\t1\t7\t126\nSettlement balances--\t\t\t8\nInsurance liabilities-6193\t\t\t0\nSubordinated liabilities-529\t\t\t0\nOther liabilities\t102\t2679\t1233\nDiscontinued operations and other disposal groups\t3376\t10162\t23978\nLiabilities acquired exclusively with a view to disposal\t2\t8\t17\n\t3378\t10170\t23995\n", "q10k_tbl_389": "(d) Direct Line Group assets and liabilities\t\t\n\t2013 2012\t2011\nGeneral insurance business assets and liabilities\t£m £m\t£m\nLoans and advances to banks-2036\t\t2579\nLoans and advances to customers-881\t\t893\nDebt securities and equity shares-7156\t\t7992\nDerivatives-12\t\t0\nIntangible assets-750\t\t1065\nProperty plant and equipment-222\t\t132\nInterests in associates\t879--\t\nPrepayments accrued income and other assets-1640\t\t1200\nAssets of disposal group\t879 12697\t0\nAssets separately consolidated\t\t13861\nDerivatives-4\t\t0\nInsurance liabilities-6193\t\t6233\nSubordinated liabilities-529\t\t0\nAccruals deferred income and other liabilities-2541\t\t2739\nLiabilities of disposal group-9267\t\t0\nLiabilities separately consolidated\t\t8972\n", "q10k_tbl_390": "21 Short positions\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nDebt securities\t\t\t\n- Government\t24661\t23551\t32895\n- Other issuers\t3102\t3429\t6164\nEquity shares\t259\t611\t1980\n\t28022\t27591\t41039\n", "q10k_tbl_391": "22 Accruals deferred income and other liabilities\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nNotes in circulation\t1759\t1684\t1683\nCurrent tax\t516\t527\t700\nAccruals\t3116\t3579\t4941\nDeferred income\t589\t875\t3481\nProvisions for liabilities and charges (see table below)\t5489\t3147\t1311\nOther liabilities (1)\t4548\t4989\t11088\n\t16017\t14801\t23204\n", "q10k_tbl_392": "\tPayment\tInterest Rate\tOther\t\tOther\t\tTechnology\t\t\t\n\tProtection\tHedging\tcustomer\t\tregulatory\t\tincident\t\t\t\n\tInsurance (1)\tProducts (2)\tredress (3)\tLIBOR (4)\tprovisions (5)\tLitigation (6)\tredress (7)\tProperty (8)\tOther\tTotal\nProvisions for liabilities and charges\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2013\t895\t676\t162\t381\t200\t168\t28\t392\t245\t3147\nTransfer from accruals and other liabilities--\t\t\t0\t10\t10--\t\t\t21\t(21)\t20\nCurrency translation and other movements--\t\t\t(3)\t(2)-(25)\t\t\t0\t(2)\t(2)\t(34)\nCharge to income statement\t900\t550\t455\t315\t124\t2050-154\t\t\t182\t4730\nReleases to income statement\t\t0\t(3)-(123)\t\t\t(28)-(91)\t\t\t(63)\t(308)\nProvisions utilised\t(869)\t(149)\t(274)\t(288)\t(61)\t(147)\t(28)\t(95)\t(155)\t(2066)\nAt 31 December 2013\t926\t1077\t337\t416\t150\t2018-379\t\t\t186\t5489\n", "q10k_tbl_393": "\t\t\tSensitivity\t\nAssumption\tActual to date\tCurrent assumptions\tChange in assumption %\tConsequential change in provision £m\nTake up rate\t36%\t38%\t+/-5\t+/-45\nUphold rate (1)\t84%\t83%\t+/-5\t+/-30\nAverage redress\t£1733\t£1646\t+/-5\t+/-26\n", "q10k_tbl_394": "23 Deferred tax\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nDeferred tax liability\t507\t1141\t1945\nDeferred tax asset\t(3478)\t(3443)\t(3878)\nNet deferred tax asset\t(2971)\t(2302)\t(1933)\n", "q10k_tbl_395": "Net deferred tax asset comprised:\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tFair\tAvailable-\t\t\t\tTax\t\t\n\t\tAccelerated\t\t\t\tvalue of\tfor-sale\t\tCash\t\tlosses\t\t\n\t\tcapital\t\tDeferred\tIFRS\tfinancial\tfinancial\t\tflow\tShare\tcarried\t\t\n\tPension\tallowances\tProvisions\tgains\ttransition\tinstruments\tassets\tIntangibles\thedging\tschemes\tforward\tOther\tTotal\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nAt 1 January 2012\t(493)\t2306\t(1274)\t359\t(219)\t(33)\t(52)\t252\t550\t(17)\t(3294)\t(18)\t(1933)\nTransfers to disposal groups\t1--\t\t\t---\t\t\t2--\t\t\t---\t\t\t3\n(Disposal)/acquisition of subsidiaries\t(2)\t(38)\t(85)--\t\t\t(6)\t(4)--\t\t\t--52\t\t\t(83)\nCharge/(credit) to income statement - continuing operations\t43\t(482)\t237\t(13)\t84\t25\t(18)\t(15)\t(128)-225\t\t\t(75)\t(117)\n- discontinued operations-1\t\t\t5--\t\t\t---\t\t\t---\t\t\t(24)\t(18)\n(Credit)/charge to other comprehensive income\t(352)--\t\t\t(10)--\t\t\t200-155\t\t\t5\t(170)-(172)\t\t\nCurrency translation and otheradjustments-(43)\t\t\t46\t49\t(25)\t6\t7\t(10)--\t\t\t8\t(20)\t18\nAt 1 January 2013\t(803)\t1744\t(1071)\t385\t(160)\t(8)\t135\t227\t577\t(12)\t(3231)\t(85)\t(2302)\n(Disposal)/acquisition of subsidiaries-(21)\t\t\t5--\t\t\t---\t\t\t---\t\t\t0\t(16)\nCharge/(credit) to income statement - continuing operations\t60\t(445)\t(439)\t(60)\t68\t16\t(60)\t4\t54\t1\t1086\t(89)\t196\nCharge/(credit) to other comprehensive income\t245-(3)\t\t\t---\t\t\t(93)-(633)\t\t\t(1)\t(348)\t(3)\t(836)\nCurrency translation and other adjustments-(20)\t\t\t25\t2\t1\t(5)\t3\t(5)\t3-(3)\t\t\t(14)\t(13)\nAt 31 December 2013\t(498)\t1258\t(1483)\t327\t(91)\t3\t(15)\t226\t1\t(12)\t(2496)\t(191)\t(2971)\n", "q10k_tbl_396": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nUK tax losses carried forward\t\t\t\n- The Royal Bank of Scotland plc\t1693\t2654\t2623\n- UK branch of RBS N.V.-322\t\t\t166\n- National Westminster Bank Plc\t718\t66\t93\n- RBS Management Services (UK) Ltd-30\t\t\t51\n\t2411\t3072\t2933\nOverseas tax losses carried forward\t\t\t\n- Ulster Bank Ireland\t74\t72\t284\n- RBS Citizens Financial Group\t11\t87\t0\n- RBS N.V. Australia--\t\t\t77\n\t85\t159\t361\n\t2496\t3231\t3294\n", "q10k_tbl_397": "24 Subordinated liabilities\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nDated loan capital\t17597\t20210\t19654\nUndated loan capital\t5376\t5488\t5549\nPreference shares\t1039\t1075\t1116\n\t24012\t26773\t26319\n", "q10k_tbl_398": "24 Subordinated liabilities continued\t\t\t\t\t\t\t\t\nThe following tables analyse the remaining contractual maturity of subordinated liabilities by the final redemption date and by the next call date.\t\t\t\t\t\t\t\t\n\t\t2014\t2015\t2016-2018\t2019-2023\tThereafter\tPerpetual\tTotal\n2013 - final redemption\t\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t\t45\t608\t60\t366-785\t\t\t1864\nUS dollar\t\t706\t961\t1386\t4735\t91\t4486\t12365\nEuro\t\t200\t1005\t2985\t1946\t166\t823\t7125\nOther\t\t399\t617\t531\t813-298\t\t\t2658\n\t\t1350\t3191\t4962\t7860\t257\t6392\t24012\n\tCurrently\t2014\t2015\t2016-2018\t2019-2023\tThereafter\tPerpetual\tTotal\n2013 - call date\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t1\t103\t695\t290\t518\t59\t198\t1864\nUS dollar\t3084\t2701\t426\t1849\t3447\t848\t10\t12365\nEuro\t326\t1267\t657\t4098\t560\t166\t51\t7125\nOther\t761\t1230\t292\t375--\t\t\t0\t2658\n\t4172\t5301\t2070\t6612\t4525\t1073\t259\t24012\n\t\t2013\t2014\t2015-2017\t2018-2022\tThereafter\tPerpetual\tTotal\n2012 - final redemption\t\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t\t214-630\t\t\t464-994\t\t\t2302\nUS dollar\t\t611\t664\t2388\t3722\t177\t4409\t11971\nEuro\t\t1478-3035\t\t\t3814\t397\t806\t9530\nOther\t\t48\t425\t790\t1381-326\t\t\t2970\n\t\t2351\t1089\t6843\t9381\t574\t6535\t26773\n\tCurrently\t2013\t2014\t2015-2017\t2018-2022\tThereafter\tPerpetual\tTotal\n2012 - call date\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t24\t429\t60\t826\t715\t36\t212\t2302\nUS dollar\t2577\t3546\t664\t1767\t2408\t1009-11971\t\t\nEuro-3509\t\t\t289\t2863\t2427\t397\t45\t9530\nOther-1192\t\t\t0\t1214\t564--\t\t\t2970\n\t2601\t8676\t1013\t6670\t6114\t1442\t257\t26773\n\t\t2012\t2013\t2014-2016\t2017-2021\tThereafter\tPerpetual\tTotal\n2011 - final redemption\t\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t\t73\t158\t648\t453-823\t\t\t2155\nUS dollar\t\t302\t555\t3903\t1793\t190\t4619\t11362\nEuro\t\t220\t1299\t2389\t4296\t513\t832\t9549\nOther\t\t29-1618\t\t\t1261-345\t\t\t3253\n\t\t624\t2012\t8558\t7803\t703\t6619\t26319\n\tCurrently\t2012\t2013\t2014-2016\t2017-2021\tThereafter\tPerpetual\tTotal\n2011 - call date\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nSterling\t15\t127\t218\t855\t593\t176\t171\t2155\nUS dollar\t3230\t3974\t765\t1196\t824\t1059\t314\t11362\nEuro\t159\t2714\t1299\t1954\t2863\t513\t47\t9549\nOther\t9\t1407\t489\t1306\t42--\t\t\t3253\n\t3413\t8222\t2771\t5311\t4322\t1748\t532\t26319\n", "q10k_tbl_399": "24 Subordinated liabilities continued\t\t\t\nDated loan capital\tCapital\t2013\t2012 2011\n\ttreatment\t£m\t£m £m\nThe Royal Bank of Scotland Group plc\t\t\t\nUS$750 million 5% subordinated notes (redeemed November 2013) (1)\tLower Tier 2-485\t\t522\nUS$750 million 5% subordinated notes 2014 (1)\tLower Tier 2\t479\t520 558\nUS$250 million 5% subordinated notes 2014 (1)\tLower Tier 2\t153\t152 163\nUS$675 million 5.05% subordinated notes 2015 (1)\tLower Tier 2\t436\t463 494\nUS$350 million 4.7% subordinated notes 2018 (1)\tLower Tier 2\t243\t262 271\nUS$2250 million 6.125% subordinated notes 2022 (1)\tLower Tier 2\t1226\t1398 -\nUS$2000 million 6% subordinated notes 2023 (issued December 2013) (1)\tLower Tier 2\t1183--\t\nUS$1000 million 6.1% subordinated notes 2023 (issued June 2013) (1)\tLower Tier 2\t567--\t\nThe Royal Bank of Scotland plc\t\t\t\n€1000 million 6% subordinated notes (redeemed May 2013)\tLower Tier 2-869\t\t921\nUS$50 million floating rate subordinated notes (redeemed October 2013)\tLower Tier 2-36\t\t37\n€500 million 6% subordinated notes (redeemed May 2013)\tLower Tier 2-415\t\t426\n£150 million 10.5% subordinated bonds (redeemed March 2013)\tLower Tier 2-164\t\t171\nAUD397 million (2011 - AUD590 million) floating rate subordinated notes 2014\tLower Tier 2\t\t\n(callable quarterly from October 2009) (2)\t216\t257\t392\nAUD265 million (2011 - AUD410 million) floating rate subordinated notes 2014\tLower Tier 2\t\t\n(callable quarterly from October 2009) (2)\t144\t171\t272\nCAD217 million (2011 - CAD700 million) floating rate subordinated notes 2015\tLower Tier 2\t\t\n(callable quarterly from March 2010) (2)\t123\t135\t444\n£250 million 9.625% subordinated bonds 2015\tLower Tier 2\t287\t289 297\nUS$322 million (2011 - US$750 million) floating rate Bermudian callable subordinated\tLower Tier 2\t\t\nnotes 2015 (callable quarterly from September 2010) (2)\t195\t199\t485\n€750 million 4.875% subordinated notes 2015\tLower Tier 2\t678\t688 709\n", "q10k_tbl_400": "24 Subordinated liabilities continued\t\t\t\t\nDated loan capital continued\tCapital\t2013\t2012\t2011\n\ttreatment\t£m\t£m\t£m\nThe Royal Bank of Scotland plc continued\t\t\t\t\nCHF400 million 2.375% subordinated notes 2015\tLower Tier 2\t283\t287\t295\nCHF100 million 2.375% subordinated notes 2015 (callable annually from November 2013)\tLower Tier 2\t78\t84\t88\nCHF200 million 2.375% subordinated notes 2015\tLower Tier 2\t135\t134\t136\nUS$229 million (2011 - US$500 million) floating rate subordinated notes 2016\tLower Tier 2\t\t\t\n(callable quarterly from October 2011) (2)\t139\t142\t324\nUS$686 million (2011 - US$1500 million) floating rate subordinated notes 2016\tLower Tier 2\t\t\t\n(callable quarterly from April 2011) (2)\t415\t425\t971\n€227 million (2011 - €500 million) floating rate subordinated notes 2016\tLower Tier 2\t\t\t\n(callable quarterly from January 2011) (2)\t189\t185\t420\nCHF34 million (2011 - CHF200 million) floating rate subordinated notes 2017\tLower Tier 2\t\t\t\n(callable annually from December 2012) (2)\t23\t23\t138\n€100 million floating rate subordinated notes 2017\tLower Tier 2\t83\t82\t84\n€102 million (2011 - €500 million) floating rate subordinated notes 2017\tLower Tier 2\t\t\t\n(callable quarterly from January 2012) (2)\t85\t84\t419\n€750 million 4.35% subordinated notes 2017\tLower Tier 2\t712\t721\t723\nAUD50 (2011 - AUD450 million) floating rate subordinated notes 2017\tLower Tier 2\t\t\t\n(callable quarterly from February 2012) (2)\t27\t32\t303\nAUD90 million (2011 - AUD450 million) floating rate subordinated notes 2017\tLower Tier 2\t\t\t\n(callable quarterly from February 2012) (2)\t49\t58\t298\nUS$450 million (2011 - US$1500 million) floating rate subordinated step-up\tLower Tier 2\t\t\t\nnotes 2017 (callable quarterly from August 2012) (2)\t272\t279\t971\n€2000 million 6.93% subordinated notes 2018\tLower Tier 2\t1996\t2033\t2023\nUS$125.6 million floating rate subordinated notes 2020\tLower Tier 2\t76\t78\t81\n€1000 million 4.625% subordinated notes 2021 (callable quarterly from September 2016)\tLower Tier 2\t925\t938\t948\n€300 million CMS linked floating rate subordinated notes 2022\tLower Tier 2\t234\t272\t271\n€144.4 million floating rate subordinated notes 2023\tLower Tier 2\t109\t224\t157\nAUD883 million 13.125% subordinated notes 2022 (callable bi-annually from March 2017)\tLower Tier 2\t506\t585\t0\nCAD420 million 10.5% subordinated notes 2022 (callable bi-annually from September 2013)\tLower Tier 2\t246\t269\t0\nCHF124 million 9.375% subordinated notes 2022 (callable annually from March 2017)\tLower Tier 2\t92\t90\t0\n€564 million 10.5% subordinated notes 2022 (callable every 5 years from March 2017)\tLower Tier 2\t511\t497\t0\nUS$2132 million 9.5% subordinated notes 2022 (callable annually from March 2017)\tLower Tier 2\t1323\t1350\t0\n", "q10k_tbl_401": "\tCapital\t2013\t2012\t2011\n\ttreatment\t£m\t£m\t£m\nNational Westminster Bank Plc\t\t\t\t\n£300 million 7.875% subordinated notes 2015\tLower Tier 2\t341\t360\t371\n£300 million 6.5% subordinated notes 2021\tLower Tier 2\t373\t410\t400\nCharter One Financial Inc.\t\t\t\t\nUS$400 million 6.375% subordinated notes\t\t--261\t\t\nUS$350 million 4.150% subordinated notes 2022\tIneligible\t211\t217\t0\nFirst Active plc\t\t\t\t\n£60 million floating rate subordinated bonds 2018\tLower Tier 2\t60\t63\t64\nRBS NV and subsidiaries\t\t\t\t\n€250 million floating rate subordinated notes 2019\tLower Tier 2\t221\t199\t136\n€100 million 5.13% flip flop Bermudan callable subordinated notes\tLower Tier 2\t\t\t\n(redeemed July 2013)-72\t\t\t78\n€13 million zero coupon subordinated notes (redeemed July 2013)\tLower Tier 2-11\t\t\t14\n€170 million floating rate sinkable subordinated notes 2041\tLower Tier 2\t167\t166\t81\n€15 million CMS linked floating rate subordinated notes 2020\tLower Tier 2\t12\t10\t7\n€415 million (2012 and 2011 - €1500 million) floating rate Bermudan subordinated notes 2015\tLower Tier 2\t\t\t\n(callable quarterly from June 2010 partially redeemed June 2013)\t344\t1215\t1246\n€5 million floating rate Bermudan callable subordinated notes 2015\tLower Tier 2\t4\t4\t4\n(callable quarterly from October 2010)\nUS$120 million (2011 - US$165 million) 6.14% subordinated notes 2019\tLower Tier 2\t75\t75\t76\nUS$72 million 5.98% subordinated notes 2019\tLower Tier 2\t36\t57\t47\nUS$500 million 4.65% subordinated notes 2018\tLower Tier 2\t324\t347\t354\nUS$564 million ( 2012 and 2011 - US$1500 million) floating rate Bermudan subordinated\tLower Tier 2\t\t\t\nnotes 2015 (callable quarterly from March 2010 partially redeemed March 2013)\t340\t892\t930\nAUD575 million floating rate Bermudan subordinated notes 2018\t\t\t\t\n(callable quarterly from May 2013)\tLower Tier 2\t305\t366\t378\nAUD175 million floating rate Bermudan subordinated notes 2018\tLower Tier 2\t\t\t\n(callable quarterly from May 2013)\t93\t109\t111\n€26 million 7.42% subordinated notes 2016\tLower Tier 2\t25\t25\t25\n€7 million 7.38% subordinated notes 2016\tLower Tier 2\t7\t7\t7\nUS$136 million (2011 - US$250 million) 7.75% fixed rate subordinated notes 2023\tLower Tier 2\t83\t85\t90\nUS$150 million 7.13% fixed rate subordinated notes 2093\tLower Tier 2\t91\t94\t100\nThe Royal Bank of Scotland Berhad\t\t\t\t\nMYR200 million 4.15% subordinated notes 2017 (callable annually from June 2012)\tIneligible\t38\t42\t42\nNon-controlling interests subordinated issues\t\t9\t9\t20\n\t\t17597\t20210\t19654\n", "q10k_tbl_402": "24 Subordinated liabilities continued\t\t\t\t\nUndated loan capital\t\t\t\t\n\tCapital\t2013\t2012\t2011\n\ttreatment\t£m\t£m\t£m\nThe Royal Bank of Scotland Group plc\t\t\t\t\n€391 million floating rate 2042 (callable quarterly from June 2012) (23)\tTier 1\t326\t319\t340\nUS$486 million 6.8% 2042 (callable quarterly from March 2008) (24)\tTier 1\t294\t302\t309\nUS$318 million floating rate (callable quarterly from July 2013) (25)\tTier 1\t192\t199\t210\nUS$394 million 6.425% 2043 (callable quarterly from January 2034) (26)\tTier 1\t301\t365\t382\nUS$106 million undated floating rate primary capital notes\t\t\t\t\n(callable semi-annually from December 1990) (1)\tUpper Tier 2\t65\t66\t69\nUS$762 million 7.648% perpetual regulatory (callable quarterly from September 2031) (8)\tTier 1\t465\t477\t497\nThe Royal Bank of Scotland plc\t\t\t\t\n£31 million 4.956% undated subordinated notes\tUpper Tier 2\t31\t31\t31\n£51 million 6.25% undated subordinated notes (callable every five years from December 2012)\tUpper Tier 2\t50\t51\t53\n£56 million 6% undated subordinated notes (callable every five years from September 2014)\tUpper Tier 2\t59\t61\t62\n€176 million 5.125% undated subordinated notes (callable quarterly from July 2014)\tUpper Tier 2\t153\t155\t161\n€170 million floating rate undated subordinated notes (callable quarterly from July 2014)\tUpper Tier 2\t141\t138\t141\n£54 million 5.125% undated subordinated notes (callable every five years from March 2016)\tUpper Tier 2\t60\t61\t61\n£35 million 5.5% undated subordinated notes (callable every five years from December 2019)\tUpper Tier 2\t39\t39\t37\n£21 million 6.2% undated subordinated notes (callable every five years from March 2022)\tUpper Tier 2\t26\t46\t45\n£103 million 9.5% undated subordinated bonds (callable every five years from August 2018) (3)\tUpper Tier 2\t127\t137\t137\n£16 million (2011 - £22 million) 5.625% undated subordinated notes\tUpper Tier 2\t\t\t\n(callable every five years from September 2026)\t24\t24\t23\n£19 million 5.625% undated subordinated notes (callable every five years from June 2032)\tUpper Tier 2\t21\t13\t13\n£1 million floating rate undated subordinated notes (callable semi-annually from March 2011)\tUpper Tier 2\t1\t1\t1\nCAD474 million 5.37% undated subordinated notes (callable quarterly from May 2016)\tUpper Tier 2\t291\t328\t347\nNational Westminster Bank Plc\t\t\t\t\nUS$193 million primary capital floating rate notes Series A (callable semi-annually from July 1990)\tUpper Tier 2\t117\t119\t124\nUS$229 million primary capital floating rate notes Series B (callable semi-annually from August 1990)\tUpper Tier 2\t139\t142\t148\nUS$285 million primary capital floating rate notes Series C (callable quarterly from November 1990)\tUpper Tier 2\t173\t177\t184\n€178 million floating rate undated subordinated notes (callable quarterly from October 2009)\tUpper Tier 2\t149\t146\t150\n€10 million floating rate undated step-up notes (callable quarterly from October 2009)\tUpper Tier 2\t9\t9\t9\n£87 million floating undated subordinated step-up notes (callable every five years from January 2010)\tUpper Tier 2\t92\t92\t91\n£53 million 7.125% undated subordinated step-up notes (callable every five years from October 2022)\tUpper Tier 2\t54\t55\t56\n£35 million 11.5% undated subordinated notes (callable any time from December 2022) (19)\tUpper Tier 2\t35\t38\t42\nFirst Active plc\t\t\t\t\n£20 million 11.75% perpetual\tLower Tier 2\t25\t25\t26\n€38 million 11.375% perpetual\tLower Tier 2\t52\t46\t48\n£1.3 million floating rate perpetual\tLower Tier 2\t1\t2\t2\nRBS NV and subsidiaries\t\t\t\t\nUS$1285 million 6.025% 2049 (callable any time from July 2008) (2710)\tTier 1\t730\t713\t684\nUS$200 million 6.375% 2033 (callable any time from September 2008) (2711)\tTier 1\t114\t112\t108\nUS$1800 million 6.2% 2033 (callable any time from February 2009) (2712)\tTier 1\t1020\t999\t958\n\t\t5376\t5488\t5549\n", "q10k_tbl_403": "Preference shares\t\t\t\t\n\tCapital\t2013\t2012\t2011\n\ttreatment\t£m\t£m\t£m\nThe Royal Bank of Scotland Group plc (1)\t\t\t\t\nNon-cumulative preference shares of US$0.01\t\t\t\t\nSeries F US$156 million 7.65% (callable any time from March 2007)\tTier 1\t95\t97\t101\nSeries H US$242 million 7.25% (callable any time from March 2004)\tTier 1\t146\t150\t157\nSeries L US$751 million 5.75% (callable any time from October 2009)\tTier 1\t454\t465\t485\nNon-cumulative convertible preference shares of US$0.01\t\t\t\t\nSeries 1 US$65 million 9.118% (callable any time from March 2010)\tTier 1\t40\t41\t43\nNon-cumulative convertible preference shares of £0.01\t\t\t\t\nSeries 1 £15 million 7.387% (callable any time from December 2010)\tTier 1\t15\t15\t15\nCumulative preference shares of £1\t\t\t\t\n£0.5 million 11% and £0.4 million 5.5% (not callable)\tUpper Tier 2\t1\t1\t1\nNational Westminster Bank Plc\t\t\t\t\nNon-cumulative preference shares of £1\t\t\t\t\nSeries A £140 million 9% (not callable)\tTier 1\t143\t145\t145\nNon-cumulative preference shares of US$25\t\t\t\t\nSeries C US$246 million 7.7628% (callable quarterly from April 2002) (2)\tTier 1\t145\t161\t169\n\t\t1039\t1075\t1116\n", "q10k_tbl_404": "25 Non-controlling interests\t\t\t\n\tDirect Line\t\t\n\tInsurance ABN\tOther\t\n\tGroup plc AMRO\tinterests*\tTotal*\n\t£m £m\t£m\t£m\nAt 1 January 2012-283\t\t403\t686\nCurrency translation and other adjustments-(12)\t\t(6)\t(18)\n(Loss)/profit attributable to non-controlling interests\t\t\t\n- continuing operations-(43)\t\t19\t(24)\n- discontinued operations\t(125) 13-(112)\t\t\nLosses on available-for-sale financial assets net of tax-25\t\t0\t25\nEquity raised\t873-2\t\t875\nEquity withdrawn and disposals--\t\t(23)\t(23)\nTransfer from retained earnings\t361--\t\t361\nAt 1 January 2013\t1109 266\t395\t1770\nCurrency translation and other adjustments-(8)\t\t2\t(6)\nProfit/(loss) attributable to non-controlling interests\t\t\t\n- continuing operations-95\t\t(12)\t83\n- discontinued operations\t19 18-37\t\t\nDividends paid--\t\t(5)\t(5)\nLosses on available-for-sale financial assets net of tax-23\t\t0\t23\nEquity withdrawn and disposals\t(1128)-(301)\t\t(1429)\nAt 31 December 2013-394\t\t79\t473\n* Restated\t\t\t\n", "q10k_tbl_405": "26 Share capital\t\t\t\n\tAlotted called up and fully paid\t\t\n\t\tIssued\t\n\t1 January\tduring\t31 December\n\t2013\tthe year\t2013\n\t£m\t£m\t£m\nOrdinary shares of £1\t6071\t132\t6203\nB shares of £0.01\t510-510\t\t\nDividend access share of £0.01 (1)--\t\t\t0\nNon-cumulative preference shares of US$0.01\t1-1\t\t\nNon-cumulative convertible preference shares of US$0.01--\t\t\t0\nNon-cumulative preference shares of €0.01--\t\t\t0\nNon-cumulative convertible preference shares of £0.01--\t\t\t0\nNon-cumulative preference shares of £1--\t\t\t0\nCumulative preference shares of £1\t1-1\t\t\n\tAllotted called up and fully paid\t\t\nNumber of shares - thousands\t2013\t2012\t2011\nOrdinary shares of 25p (2)--\t\t\t59228412\nOrdinary shares of £1\t6203022\t6070765\t0\nB shares of £0.01\t51000000\t51000000\t51000000\nDividend access share of £0.01 (1)--\t\t\t0\nNon-cumulative preference shares of US$0.01\t209609\t209609\t209609\nNon-cumulative convertible preference shares of US$0.01\t65\t65\t65\nNon-cumulative preference shares of €0.01\t2044\t2044\t2044\nNon-cumulative convertible preference shares of £0.01\t15\t15\t15\nNon-cumulative preference shares of £1\t54\t54\t54\nCumulative preference shares of £1\t900\t900\t900\n", "q10k_tbl_406": "Movement in allotted called up and fully paid ordinary shares - thousands\t\nAt 1 January 2012\t59228412\nShares issued (ordinary shares of 25p)\t325907\nShare sub-division and consolidation\t(53598887)\nShares issued (ordinary shares of £1)\t115333\nAt 1 January 2013\t6070765\nShares issued\t132257\nAt 31 December 2013\t6203022\n", "q10k_tbl_407": "26 Share capital continued\t\t\t\t\t\n\tNumber of shares\t\tRedemption\tRedemption\t\nClass of preference share\tin issue\tInterest rate\tdate on or after\tprice per share\tDebt/equity (1)\nNon-cumulative preference shares of US$0.01\t\t\t\t\t\nSeries F\t6.3 million\t7.65%\t31 March 2007\tUS$25\tDebt\nSeries H\t9.7 million\t7.25%\t31 March 2004\tUS$25\tDebt\nSeries L\t30.0 million\t5.75%\t30 September 2009\tUS$25\tDebt\nSeries M\t23.1 million\t6.40%\t30 September 2009\tUS$25\tEquity\nSeries N\t22.1 million\t6.35%\t30 June 2010\tUS$25\tEquity\nSeries P\t9.9 million\t6.25%\t31 December 2010\tUS$25\tEquity\nSeries Q\t20.6 million\t6.75%\t30 June 2011\tUS$25\tEquity\nSeries R\t10.2 million\t6.125%\t30 December 2011\tUS$25\tEquity\nSeries S\t26.4 million\t6.60%\t30 June 2012\tUS$25\tEquity\nSeries T\t51.2 million\t7.25%\t31 December 2012\tUS$25\tEquity\nSeries U\t10130\t7.64%\t29 September 2017\tUS$100000\tEquity\nNon-cumulative convertible preference shares of US$0.01\t\t\t\t\t\nSeries 1\t64772\t9.118%\t31 March 2010\tUS$1000\tDebt\nNon-cumulative preference shares of €0.01\t\t\t\t\t\nSeries 1\t1.25 million\t5.50%\t31 December 2009\t€1000\tEquity\nSeries 2\t784989\t5.25%\t30 June 2010\t€1000\tEquity\nSeries 3\t9429\t7.0916%\t29 September 2017\t€50000\tEquity\nNon-cumulative convertible preference shares of £0.01\t\t\t\t\t\nSeries 1\t14866\t7.387%\t31 December 2010\t£1000\tDebt\nNon-cumulative preference shares of £1\t\t\t\t\t\nSeries 1\t54442\t3 month LIBOR + 2.33%\t5 October 2012\t£1000\tEquity\n", "q10k_tbl_408": "\t£m\nEMTN notes\t\nUS$564 million 6.99% capital securities (callable October 2017)\t275\nCAD321 million 6.666% notes (callable October 2017)\t156\nTrust preferred issues: subordinated notes (1)\t\nUS$357 million 5.512% 2044 (callable September 2014) (2)\t195\nUS$276 million 3 month US$ LIBOR plus 0.80% 2044 (callable September 2014) (3)\t150\n€166 million 4.243% 2046 (callable January 2016) (4)\t110\n£93 million 5.6457% 2047 (callable June 2017) (5)\t93\n\t979\n", "q10k_tbl_409": "28 Leases\t\t\t\t\t\n\t\t\t\t\tOperating lease\n\tFinance lease contracts and hire purchase agreements\t\t\t\tassets:\n\tGross\tPresent value\tOther\tPresent\tfuture minimum\n\tamounts\tadjustments\tmovements\tvalue\tlease rentals\nYear in which receipt will occur\t£m\t£m\t£m\t£m\t£m\n2013\t\t\t\t\t\nWithin 1 year\t3513\t(300)\t(44)\t3169\t186\nAfter 1 year but within 5 years\t6014\t(534)\t(251)\t5229\t341\nAfter 5 years\t4244\t(1481)\t(428)\t2335\t141\nTotal\t13771\t(2315)\t(723)\t10733\t668\n2012\t\t\t\t\t\nWithin 1 year\t3605\t(330)\t(40)\t3235\t293\nAfter 1 year but within 5 years\t5963\t(600)\t(197)\t5166\t512\nAfter 5 years\t4984\t(1709)\t(315)\t2960\t291\nTotal\t14552\t(2639)\t(552)\t11361\t1096\n2011\t\t\t\t\t\nWithin 1 year\t3996\t(340)\t(29)\t3627\t406\nAfter 1 year but within 5 years\t6806\t(763)\t(193)\t5850\t605\nAfter 5 years\t5822\t(2710)\t(270)\t2842\t359\nTotal\t16624\t(3813)\t(492)\t12319\t1370\n", "q10k_tbl_410": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nNature of operating lease assets on the balance sheet\t\t\t\nTransportation\t822\t1501\t1592\nCars and light commercial vehicles\t64\t435\t815\nOther\t243\t267\t298\n\t1129\t2203\t2705\nAmounts recognised as income and expense\t\t\t\nFinance leases - contingent rental income\t(94)\t(110)\t(133)\nOperating leases - minimum rentals payable\t389\t392\t490\nFinance lease contracts and hire purchase agreements\t\t\t\nAccumulated allowance for uncollectable minimum receivables\t197\t278\t347\n", "q10k_tbl_411": "\tYear in which residual value will be recovered\t\t\t\t\n\t\tAfter 1 year\tAfter 2 years\t\t\n\tWithin 1\tbut within\tbut within\tAfter 5\t\n\tyear\t2 years\t5 years\tyears\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nOperating leases\t\t\t\t\t\n- transportation\t197\t34\t217\t134\t582\n- cars and light commercial vehicles\t18\t8\t7-33\t\t\n- other\t24\t25\t32\t1\t82\nFinance lease contracts\t41\t53\t198\t429\t721\nHire purchase agreements-1\t\t\t0\t1\t2\n\t280\t121\t454\t565\t1420\n2012\t\t\t\t\t\nOperating leases\t\t\t\t\t\n- transportation\t284\t182\t207\t333\t1006\n- cars and light commercial vehicles\t317\t44\t49\t1\t411\n- other\t30\t19\t39\t3\t91\nFinance lease contracts\t38\t47\t148\t318\t551\nHire purchase agreements\t1-1\t\t\t0\t2\n\t670\t292\t444\t655\t2061\n2011\t\t\t\t\t\nOperating leases\t\t\t\t\t\n- transportation\t244\t314\t187\t390\t1135\n- cars and light commercial vehicles\t458\t75\t105\t2\t640\n- other\t23\t21\t33\t8\t85\nFinance lease contracts\t26\t48\t147\t270\t491\nHire purchase agreements--\t\t\t1-1\t\t\n\t751\t458\t473\t670\t2352\n", "q10k_tbl_412": "\t2013\t\t\t\t2012\t\t\t\t2011\t\t\t\n\t\tDebt securities in issue\t\t\t\tDebt securities in issue\t\t\t\tDebt securities in issue\t\t\n\t\tHeld by third\tHeld by the\t\t\tHeld by third\tHeld by the\t\t\tHeld by third\tHeld by the\t\n\tAssets parties\tGroup (1)\tTotal\tAssets\tparties\tGroup (1)\tTotal\tAssets\tparties\tGroup (1)\tTotal\nAsset type\t£m £m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nMortgages\t\t\t\t\t\t\t\t\t\t\t\t\n- UK\t14434\t4876\t10978\t15854\t16448\t6462\t11963\t18425\t49549\t10988\t47324\t58312\n- Irish\t9300\t1890\t8751\t10641\t10587\t3217\t7634\t10851\t12660\t3472\t8670\t12142\nUK credit cards\t3261\t500\t1625\t2125\t3019\t1243\t1736\t2979\t4037\t500\t110\t610\nUK personal loans\t3382\t0\t3677\t3677\t4658\t0\t4283\t4283\t5168\t0\t4706\t4706\nOther loans (2)\t12326\t488\t12078\t12566\t18008\t1059\t18064\t19123\t19778\t4\t20577\t20581\n\t42703\t7754\t37109\t44863\t52720\t11981\t43680\t55661\t91192\t14964\t81387\t96351\nCash deposits\t6245\t\t\t\t5366\t\t\t\t11164\t\t\t\n\t48948\t\t\t\t58086\t\t\t\t102356\t\t\t\n", "q10k_tbl_413": "\t\tAsset backed\t\t\t\n\tAsset backed\tsecuritisation\t\t\t\n\tsecuritisation\tvehicles -\tInvestment\t\t\n\tvehicles - sponsored\tnot sponsored\tfunds\tOther\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nHeld for trading\t\t\t\t\t\nLoans and advances to customers\t1\t1-289\t\t\t291\nDebt securities\t203\t9405\t176\t159\t9943\nEquity shares-1\t\t\t622-623\t\t\nDerivatives assets\t261\t142\t22\t1334\t1759\nDerivatives liabilities\t(112)-(140)\t\t\t(424)\t(676)\nTotal\t353\t9549\t680\t1358\t11940\n", "q10k_tbl_414": "Other than held-for-trading\t\t\t\t\t\nLoans and advances to customers-3967\t\t\t26\t30\t4023\nDebt securities\t481\t19926\t8\t43\t20458\nTotal\t481\t23893\t34\t73\t24481\nLiquidity facilities/loan commitments\t4\t2630\t1\t233\t2868\nGuarantees-83\t\t\t0\t9\t92\nTotal exposure\t838\t36155\t715\t1673\t39381\n", "q10k_tbl_415": "\t2013\t2012\t2011\nAssets subject to securities repurchase agreements or security lending transactions\t£m\t£m\t£m\nDebt securities\t55554\t91173\t79480\nEquity shares\t5310\t6772\t6534\n", "q10k_tbl_416": "\t2013\t2012\t2011\nAssets pledged against liabilities\t£m\t£m\t£m\nLoans and advances to banks\t10342\t12784\t19691\nLoans and advances to customers\t23594\t25186\t52225\nSecurities\t8673\t24236\t3713\n\t42609\t62206\t75629\nLiabilities secured by assets\t\t\t\nDeposits by banks\t3254\t12309\t6369\nCustomer accounts\t2766\t3000\t2663\nDerivatives\t42691\t60434\t82356\n\t48711\t75743\t91388\n", "q10k_tbl_417": "31 Capital resources\t\t\t\nThe Group's regulatory capital resources in accordance with PRA definitions were as follows:\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nShareholders' equity (excluding non-controlling interests)\t\t\t\nShareholders' equity\t58742\t68678\t75367\nPreference shares - equity\t(4313)\t(4313)\t(4313)\nOther equity instruments\t(979)\t(979)\t(979)\n\t53450\t63386\t70075\nNon-controlling interests\t\t\t\nNon-controlling interests\t473\t1770\t686\nRegulatory adjustments to non-controlling interests-(1367)\t\t\t(259)\n\t473\t403\t427\nRegulatory adjustments and deductions\t\t\t\nOwn credit\t726\t691\t(2634)\nDefined benefit pension fund adjustment\t362\t913\t0\nNet unrealised AFS losses\t308\t346\t957\nCash flow hedging reserve\t84\t(1666)\t(879)\nOther regulatory adjustments\t(103)\t(197)\t571\nGoodwill and other intangible assets\t(12368)\t(13545)\t(14858)\n50% of expected losses less impairment provisions\t(19)\t(1904)\t(2536)\n50% of securitisation positions\t(748)\t(1107)\t(2019)\n50% of APS first loss--\t\t\t(2763)\n\t(11758)\t(16469)\t(24161)\nCore Tier 1 capital\t42165\t47320\t46341\nOther Tier 1 capital\t\t\t\nPreference shares - equity\t4313\t4313\t4313\nPreference shares - debt\t911\t1054\t1094\nInnovative/hybrid Tier 1 securities\t4207\t4125\t4667\n\t9431\t9492\t10074\nTier 1 deductions\t\t\t\n50% of material holdings (1)\t(976)\t(295)\t(340)\nTax on expected losses less impairment provisions\t6\t618\t915\n\t(970)\t323\t575\nTotal Tier 1 capital\t50626\t57135\t56990\n", "q10k_tbl_418": "31 Capital resources continued\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nQualifying Tier 2 capital\t\t\t\nUndated subordinated debt\t2109\t2194\t1838\nDated subordinated debt - net of amortisation\t12436\t13420\t14527\nUnrealised gains on AFS equity shares\t114\t63\t108\nCollectively assessed impairment provisions\t395\t399\t635\nNon-controlling Tier 2 capital--\t\t\t11\n\t15054\t16076\t17119\nTier 2 deductions\t\t\t\n50% of securitisation positions\t(748)\t(1107)\t(2019)\n50% of standardised expected losses less impairment provisions\t(25)\t(2522)\t(3451)\n50% of material holdings (1)\t(976)\t(295)\t(340)\n50% of APS first loss--\t\t\t(2763)\n\t(1749)\t(3924)\t(8573)\nTotal Tier 2 capital\t13305\t12152\t8546\nSupervisory deductions\t\t\t\nUnconsolidated investments\t\t\t\n- Direct Line Group (1)-(2081)\t\t\t(4354)\n- Other investments\t(36)\t(162)\t(239)\nOther deductions\t(236)\t(244)\t(235)\n\t(272)\t(2487)\t(4828)\nTotal regulatory capital\t63659\t66800\t60708\n", "q10k_tbl_419": "\t\tMore than\tMore than\t\t\t\t\n\t\t1 year but\t3 years but\t\t\t\t\n\tLess than\tless than\tless than\tOver\t\t\t\n\t1 year\t3 years\t5 years\t5 years\t2013\t2012\t2011\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nContingent liabilities\t\t\t\t\t\t\t\nGuarantees and assets pledged as collateral security\t9144\t3541\t5802\t1692\t20179\t19164\t25032\nOther contingent liabilities\t2840\t1258\t582\t1311\t5991\t10697\t10912\n\t11984\t4799\t6384\t3003\t26170\t29861\t35944\nCommitments (1)\t\t\t\t\t\t\t\nUndrawn formal standby facilities credit lines and other commitments to lend\t\t\t\t\t\t\t\n- less than one year\t77592--\t\t\t0\t77592\t83461\t100092\n- one year and over\t9943\t44214\t66174\t15123\t135454\t132347\t139871\nOther commitments\t2598\t136\t44\t15\t2793\t1976\t2912\n\t90133\t44350\t66218\t15138\t215839\t217784\t242875\nContingent liabilities and commitments\t102117\t49149\t72602\t18141\t242009\t247645\t278819\n", "q10k_tbl_420": "32 Memorandum items continued\t\t\t\nContractual obligations for future expenditure not provided for in the accounts\t\t\t\nThe following table shows contractual obligations for future expenditure not provided for in the accounts at the year end.\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nOperating leases\t\t\t\nMinimum rentals payable under non-cancellable leases (1)\t\t\t\n- within 1 year\t348\t399\t468\n- after 1 year but within 5 years\t1143\t1253\t1453\n- after 5 years\t2144\t2286\t2714\n\t3635\t3938\t4635\nProperty plant and equipment\t\t\t\nContracts to buy assets to be leased under operating leases (2)--\t\t\t2607\nOther capital expenditure\t38\t37\t35\n\t38\t37\t2642\nContracts to purchase goods or services (3)\t1162\t959\t1130\n\t4835\t4934\t8407\n", "q10k_tbl_421": "33 Net cash (outflow)/inflow from operating activities\t2013\t2012*\t2011*\n\t£m\t£m\t£m\nOperating loss before tax - continuing operations\t(8243)\t(5277)\t(1396)\nOperating profit/(loss) before tax - discontinued operations\t177\t(111)\t482\nDecrease in prepayments and accrued income\t300\t787\t976\nInterest on subordinated liabilities\t886\t841\t740\nDecrease in accruals and deferred income\t(889)\t(3653)\t(2897)\nProvisions for impairment losses\t8432\t5283\t8709\nLoans and advances written-off net of recoveries\t(4090)\t(3925)\t(4000)\nUnwind of discount on impairment losses\t(391)\t(476)\t(484)\nProfit on sale of property plant and equipment\t(44)\t(20)\t(22)\n(Profit)/loss on sale of subsidiaries and associates\t(240)\t(95)\t28\nProfit on sale of securities\t(830)\t(1235)\t(882)\nCharge for defined benefit pension schemes\t517\t558\t555\nPension schemes curtailment and settlement gains\t(7)\t(41)\t0\nCash contribution to defined benefit pension schemes\t(821)\t(977)\t(1059)\nOther provisions charged net of releases\t4422\t2899\t963\nOther provisions utilised\t(2066)\t(1507)\t(513)\nDepreciation and amortisation\t1410\t1854\t1875\nGain on redemption of own debt\t(175)\t(454)\t(255)\nWrite-down of goodwill and other intangible assets\t1403\t518\t91\nElimination of foreign exchange differences\t(47)\t7140\t2702\nOther non-cash items\t(1209)\t1809\t1340\nNet cash (outflow)/inflow from trading activities\t(1505)\t3918\t6953\nDecrease in loans and advances to banks and customers\t49314\t30719\t15800\nDecrease in securities\t29140\t13537\t10418\n(Increase)/decrease in other assets\t(190)\t1672\t4991\nDecrease/(increase) in derivative assets\t153864\t88134\t(102972)\nChanges in operating assets\t232128\t134062\t(71763)\n(Decrease)/increase in deposits by banks and customers\t(84364)\t(7848)\t24096\nDecrease in insurance liabilities-(119)\t\t\t(482)\nDecrease in debt securities in issue\t(26868)\t(68029)\t(55496)\n(Decrease)/increase in other liabilities\t(885)\t(4022)\t1827\n(Decrease)/increase in derivative liabilities\t(148807)\t(89763)\t100133\nIncrease/(decrease) in settlement balances and short positions\t16\t(13017)\t(1759)\nChanges in operating liabilities\t(260908)\t(182798)\t68319\nIncome taxes paid\t(346)\t(295)\t(184)\nNet cash (outflow)/inflow from operating activities\t(30631)\t(45113)\t3325\n*Restated\t\t\t\n", "q10k_tbl_422": "34 Analysis of the net investment in business interests and intangible assets\t\t\t\n\t2013\t2012\t2011\nAcquisitions and disposals\t£m\t£m\t£m\nFair value given for businesses acquired-(68)\t\t\t(44)\nNet assets sold\t1435\t1317\t(299)\nNon-cash consideration\t3\t(90)\t0\nProfit/(loss) on disposal\t240\t95\t(28)\nNet cash and cash equivalents disposed\t210--\t\t\nNet inflow/(outflow) of cash in respect of disposals\t1888\t1322\t(327)\nDividends received from associates\t134\t22\t11\nCash expenditure on intangible assets\t(872)\t(924)\t(1068)\nNet inflow/(outflow)\t1150\t352\t(1428)\n", "q10k_tbl_423": "35 Interest received and paid\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nInterest received\t17948\t19238\t21777\nInterest paid\t(6450)\t(7044)\t(8629)\n\t11498\t12194\t13148\n", "q10k_tbl_424": "36 Analysis of changes in financing during the year\t\t\t\t\n\tShare capital share premium\t\t\t\n\tpaid-in equity and merger reserve\t\tSubordinated liabilities\t\n\t2013 2012*\t2011*\t2013\t2012 2011\n\t£m £m\t£m\t£m\t£m £m\nAt 1 January\t45144 53520\t53298\t26773\t26319 27053\nIssue of ordinary shares\t264 120\t2\t---\t\nNet proceeds from issue of subordinated liabilities--\t\t0\t1796\t2093 -\nRepayment of subordinated liabilities--\t\t0\t(3500)\t(258) (627)\nNet cash inflow/(outflow) from financing\t264 120\t2\t(1704)\t1835 (627)\nTransfer to retained earnings--\t\t(50)\t---\t\nShare capital sub-division and consolidation-(8933)\t\t0\t---\t\nOrdinary shares issued in respect of employee share schemes\t174 437\t270\t---\t\nOther adjustments including foreign exchange--\t\t0\t(1057)\t(1381) (107)\nAt 31 December\t45582 45144\t53520\t24012\t26773 26319\n*Restated\t\t\t\t\n", "q10k_tbl_425": "37 Analysis of cash and cash equivalents\t\t\t\n\t2013\t2012\t2011\n\t£m\t£m\t£m\nAt 1 January\t\t\t\n- cash\t91658\t109888\t102573\n- cash equivalents\t41183\t42767\t49957\n\t132841\t152655\t152530\nNet cash (outflow)/inflow\t(11664)\t(19814)\t125\nAt 31 December\t121177\t132841\t152655\nComprising:\t\t\t\nCash and balances at central banks\t82659\t79290\t79269\nTreasury bills and debt securities\t702\t772\t3172\nLoans and advances to banks\t37816\t52779\t70214\nCash and cash equivalents\t121177\t132841\t152655\n", "q10k_tbl_426": "\t2013\t2012\t2011\nBank of England\t£0.6bn\t£0.4bn\t£0.4bn\nUS Federal Reserve\tUS$1.2bn\tUS$1.2bn\tUS$1.2bn\nDe Nederlandsche Bank\t€0.2bn\t€0.4bn\t€1.0bn\n", "q10k_tbl_427": "38 Segmental analysis continued\t\t\t\t\t\t\t\n\tNet\t\t\t\tDepreciation\t\t\n\tinterest\tNon-interest\tTotal\tOperating\tand\tImpairment\tOperating\n\tincome\tincome\tincome\texpenses\tamortisation\tlosses\tprofit/(loss)\n2013\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK Retail\t3979\t958\t4937\t(2670)-(324)\t\t\t1943\nUK Corporate\t2874\t1593\t4467\t(2075)\t(144)\t(1188)\t1060\nWealth\t674\t419\t1093\t(839)\t(4)\t(29)\t221\nInternational Banking\t713\t1135\t1848\t(1335)\t(5)\t(229)\t279\nUlster Bank\t631\t240\t871\t(554)-(1774)\t\t\t(1457)\nUS Retail & Commercial\t1916\t1073\t2989\t(2026)\t(160)\t(156)\t647\nMarkets\t157\t3165\t3322\t(2431)\t(179)\t(92)\t620\nCentral items\t147\t114\t261\t394\t(680)\t(64)\t(89)\nCore\t11091\t8697\t19788\t(11536)\t(1172)\t(3856)\t3224\nNon-Core\t(99)\t(247)\t(346)\t(526)\t(79)\t(4576)\t(5527)\nManaged basis\t10992\t8450\t19442\t(12062)\t(1251)\t(8432)\t(2303)\nReconciling items\t\t\t\t\t\t\t\nOwn credit adjustments-(120)\t\t\t(120)--\t\t\t0\t(120)\nPayment Protection Insurance costs--\t\t\t0\t(900)--\t\t\t(900)\nInterest Rate Hedging Products redress and related costs--\t\t\t0\t(550)--\t\t\t(550)\nRegulatory and legal actions--\t\t\t0\t(2394)--\t\t\t(2394)\nIntegration and restructuring costs--\t\t\t0\t(650)\t(6)-(656)\t\t\nGain on redemption of own debt-175\t\t\t175--\t\t\t0\t175\nWrite-down of goodwill--\t\t\t0\t(1059)--\t\t\t(1059)\nAmortisation of purchased intangible assets--\t\t\t--(153)\t\t\t0\t(153)\nStrategic disposals-161\t\t\t161--\t\t\t0\t161\nBank levy--\t\t\t0\t(200)--\t\t\t(200)\nWrite-down of other intangible assets--\t\t\t0\t(344)--\t\t\t(344)\nRFS Holdings minority interest\t(11)\t110\t99\t1--\t\t\t100\nStatutory basis\t10981\t8776\t19757\t(18158)\t(1410)\t(8432)\t(8243)\n", "q10k_tbl_428": "38 Segmental analysis continued\t\t\t\t\t\t\n\tNet\t\t\t\tDepreciation\t\n\tinterest\tNon-interest\tTotal\tOperating\tand Impairment\tOperating\n\tincome\tincome\tincome\texpenses\tamortisation losses\tprofit/(loss)\n2012*\t£m\t£m\t£m\t£m\t£m £m\t£m\nUK Retail\t3990\t979\t4969\t(2549)-(529)\t\t1891\nUK Corporate\t2974\t1749\t4723\t(1916)\t(173) (838)\t1796\nWealth\t720\t450\t1170\t(882)\t1 (46)\t243\nInternational Banking\t913\t1209\t2122\t(1417)-(111)\t\t594\nUlster Bank\t649\t196\t845\t(521)-(1364)\t\t(1040)\nUS Retail & Commercial\t1932\t1159\t3091\t(2050)\t(196) (91)\t754\nMarkets\t111\t4372\t4483\t(2707)\t(230) (37)\t1509\nCentral items\t(116)\t510\t394\t364\t(634) (40)\t84\nCore\t11173\t10624\t21797\t(11678)\t(1232) (3056)\t5831\nNon-Core\t244\t44\t288\t(694)\t(250) (2223)\t(2879)\nManaged basis\t11417\t10668\t22085\t(12372)\t(1482) (5279)\t2952\nReconciling items\t\t\t\t\t\t\nOwn credit adjustments-(4649)\t\t\t(4649)--\t\t0\t(4649)\nPayment Protection Insurance costs--\t\t\t0\t(1110)--\t\t(1110)\nInterest Rate Hedging Products redress and related costs--\t\t\t0\t(700)--\t\t(700)\nRegulatory and legal actions--\t\t\t0\t(381)--\t\t(381)\nIntegration and restructuring costs--\t\t\t0\t(1273)\t(142)-(1415)\t\nGain on redemption of own debt-454\t\t\t454--\t\t0\t454\nWrite-down of goodwill--\t\t\t0\t(18)--\t\t(18)\nAsset Protection Scheme-(44)\t\t\t(44)--\t\t0\t(44)\nAmortisation of purchased intangible assets--\t\t\t--(178)\t\t0\t(178)\nStrategic disposals-113\t\t\t113--\t\t0\t113\nBank levy--\t\t\t0\t(175)--\t\t(175)\nWrite-down of other intangible assets--\t\t\t0\t(106)--\t\t(106)\nRFS Holdings minority interest\t(15)\t(3)\t(18)\t(2)--\t\t(20)\nStatutory basis\t11402\t6539\t17941\t(16137)\t(1802) (5279)\t(5277)\n*Restated\t\t\t\t\t\t\n", "q10k_tbl_429": "38 Segmental analysis continued\t\t\t\t\t\t\t\n\tNet\t\t\t\tDepreciation\t\t\n\tinterest\tNon-interest\tTotal\tOperating\tand\tImpairment\tOperating\n\tincome\tincome\tincome\texpenses\tamortisation\tlosses\tprofit/(loss)\n2011*\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK Retail\t4302\t1206\t5508\t(2699)-(788)\t\t\t2021\nUK Corporate\t3092\t1771\t4863\t(1974)\t(172)\t(793)\t1924\nWealth\t645\t459\t1104\t(846)\t9\t(25)\t242\nInternational Banking\t1157\t1398\t2555\t(1623)\t(9)\t(168)\t755\nUlster Bank\t736\t211\t947\t(546)\t(1)\t(1384)\t(984)\nUS Retail & Commercial\t1879\t1152\t3031\t(1962)\t(206)\t(326)\t537\nMarkets\t67\t4348\t4415\t(3319)\t(159)\t(38)\t899\nCentral items\t(178)\t205\t27\t648\t(711)\t2\t(34)\nCore\t11700\t10750\t22450\t(12321)\t(1249)\t(3520)\t5360\nNon-Core\t613\t361\t974\t(919)\t(357)\t(3917)\t(4219)\nManaged basis\t12313\t11111\t23424\t(13240)\t(1606)\t(7437)\t1141\nReconciling items\t\t\t\t\t\t\t\nOwn credit adjustments-1914\t\t\t1914--\t\t\t0\t1914\nPayment Protection Insurance costs--\t\t\t0\t(850)--\t\t\t(850)\nSovereign debt impairment and related interest rate\t\t\t\t\t\t\t\nhedge adjustments--\t\t\t---\t\t\t(1268)\t(1268)\nIntegration and restructuring costs\t(2)\t(3)\t(5)\t(1005)\t(11)-(1021)\t\t\nGain on redemption of own debt-255\t\t\t255--\t\t\t0\t255\nAsset Protection Scheme-(906)\t\t\t(906)--\t\t\t0\t(906)\nAmortisation of purchased intangible assets--\t\t\t--(222)\t\t\t0\t(222)\nStrategic disposals-(25)\t\t\t(25)\t(80)--\t\t\t(105)\nBonus tax--\t\t\t0\t(27)--\t\t\t(27)\nBank levy--\t\t\t0\t(300)--\t\t\t(300)\nRFS Holdings minority interest\t(8)\t2\t(6)\t1-(2)\t\t\t(7)\nStatutory basis\t12303\t12348\t24651\t(15501)\t(1839)\t(8707)\t(1396)\n*Restated\t\t\t\t\t\t\t\n", "q10k_tbl_430": "38 Segmental analysis continued\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012*\t\t\t2011*\t\n\t\tInter\t\t\tInter\t\t\tInter\n\tExternal\tsegment\tTotal\tExternal\tsegment\tTotal\tExternal\tsegment Total\nTotal income\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m £m\nUK Retail\t4925\t12\t4937\t5054\t(85)\t4969\t5550\t(42) 5508\nUK Corporate\t4814\t(347)\t4467\t5247\t(524)\t4723\t5373\t(510) 4863\nWealth\t601\t492\t1093\t492\t678\t1170\t492\t612 1104\nInternational Banking\t1997\t(149)\t1848\t2329\t(207)\t2122\t2720\t(165) 2555\nUlster Bank\t748\t123\t871\t768\t77\t845\t968\t(21) 947\nUS Retail & Commercial\t2907\t82\t2989\t2967\t124\t3091\t2843\t188 3031\nMarkets\t2865\t457\t3322\t3859\t624\t4483\t4072\t343 4415\nCentral items\t539\t(278)\t261\t263\t131\t394\t(899)\t926 27\nCore\t19396\t392\t19788\t20979\t818\t21797\t21119\t1331 22450\nNon-Core\t44\t(390)\t(346)\t1104\t(816)\t288\t2305\t(1331) 974\nManaged basis\t19440\t2\t19442\t22083\t2\t22085\t23424-23424\t\nReconciling items\t\t\t\t\t\t\t\t\nOwn credit adjustments\t(120)-(120)\t\t\t(4649)-(4649)\t\t\t1914-1914\t\nIntegration and restructuring costs--\t\t\t0\t---\t\t\t(5)-(5)\t\nGain on redemption of own debt\t175-175\t\t\t454-454\t\t\t255-255\t\nAsset Protection Scheme--\t\t\t0\t(44)-(44)\t\t\t(906)-(906)\t\nStrategic disposals\t161-161\t\t\t113-113\t\t\t(25)-(25)\t\nRFS Holdings minority interest\t101\t(2)\t99\t(16)\t(2)\t(18)\t(6)-(6)\t\nStatutory basis\t19757-19757\t\t\t17941-17941\t\t\t24651-24651\t\n*Restated\t\t\t\t\t\t\t\t\n", "q10k_tbl_431": "38 Segmental analysis continued\t\t\t\t\t\t\t\t\t\n\t2013\t\t\t2012*\t\t\t2011*\t\t\n\t\tInter\t\t\tInter\t\t\tInter\t\n\tExternal\tsegment\tTotal\tExternal\tsegment\tTotal\tExternal\tsegment\tTotal\nTotal revenue\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK Retail\t6444\t17\t6461\t6524\t869\t7393\t6804\t441\t7245\nUK Corporate\t4557\t83\t4640\t4933\t121\t5054\t4985\t120\t5105\nWealth\t984\t635\t1619\t1043\t839\t1882\t1026\t731\t1757\nInternational Banking\t2222\t446\t2668\t2652\t470\t3122\t3193\t394\t3587\nUlster Bank\t1022\t67\t1089\t1076-1076\t\t\t1298\t104\t1402\nUS Retail & Commercial\t3208\t94\t3302\t3413\t132\t3545\t3480\t198\t3678\nMarkets\t4009\t4427\t8436\t5299\t5586\t10885\t5757\t7025\t12782\nCentral items\t2738\t8676\t11414\t2927\t14249\t17176\t2948\t13136\t16084\nCore\t25184\t14445\t39629\t27867\t22266\t50133\t29491\t22149\t51640\nNon-Core\t948\t523\t1471\t2164\t815\t2979\t3625\t387\t4012\nManaged basis\t26132\t14968\t41100\t30031\t23081\t53112\t33116\t22536\t55652\nReconciling items\t\t\t\t\t\t\t\t\t\nOwn credit adjustments\t(120)-(120)\t\t\t(4649)-(4649)\t\t\t1914-1914\t\t\nIntegration and restructuring costs--\t\t\t0\t---\t\t\t(5)-(5)\t\t\nGain on redemption of own debt\t175-175\t\t\t454-454\t\t\t255-255\t\t\nAsset Protection Scheme--\t\t\t0\t(44)-(44)\t\t\t(906)-(906)\t\t\nStrategic disposals\t161-161\t\t\t113-113\t\t\t(25)-(25)\t\t\nRFS Holdings minority interest\t110-110\t\t\t(2)-(2)\t\t\t(3)-(3)\t\t\nEliminations-(14968)\t\t\t(14968)\t0\t(23081)\t(23081)\t0\t(22536)\t(22536)\nStatutory basis\t26458-26458\t\t\t25903-25903\t\t\t34346-34346\t\t\n*Restated\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_432": "Total assets\t2013\t\t\t2012*\t\t\t2011*\t\t\n\t\t\tCost to\t\t\tCost to\t\t\tCost to\n\t\t\tacquire fixed\t\t\tacquire fixed\t\t\tacquire fixed\n\t\t\tassets and\t\t\tassets and\t\t\tassets and\n\t\t\tintangible\t\t\tintangible\t\t\tintangible\n\tAssets\tLiabilities\tassets\tAssets\tLiabilities\tassets\tAssets\tLiabilities\tassets\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK Retail\t117577\t116283\t0\t117411\t109307\t0\t114469\t103748\t0\nUK Corporate\t104985\t127123\t83\t110158\t129618\t345\t114237\t129231\t712\nWealth\t21101\t37566\t27\t21484\t39437\t51\t21716\t39052\t65\nInternational Banking\t48526\t46776\t33\t53091\t52582\t24\t69987\t68086\t18\nUlster Bank\t28170\t27028\t11\t30754\t28745\t4\t34810\t27782\t45\nUS Retail & Commercial\t71738\t61284\t267\t72902\t63112\t308\t76095\t67376\t271\nMarkets\t495106\t462207\t475\t714303\t694747\t366\t826947\t835710\t1553\nCentral items\t108569\t84040\t842\t115239\t104601\t991\t130164\t133011\t960\nCore\t995772\t962307\t1738\t1235342\t1222149\t2089\t1388425\t1403996\t3624\nNon-Core\t31197\t6119\t18\t63418\t9859\t169\t104726\t18220\t841\n\t1026969\t968426\t1756\t1298760\t1232008\t2258\t1493151\t1422216\t4465\nReconciling items\t\t\t\t\t\t\t\t\t\nDirect Line Group--\t\t\t0\t12697\t9267\t275\t12912\t8077\t99\nRFS Holdings minority interest\t909\t237\t0\t838\t572\t0\t804\t521\t0\n\t1027878\t968663\t1756\t1312295\t1241847\t2533\t1506867\t1430814\t4564\n*Restated\t\t\t\t\t\t\t\t\t\n", "q10k_tbl_433": "38 Segmental analysis continued\t\t\t\t\t\t\nSegmental analysis of assets and liabilities included in disposal groups:\t\t\t\t\t\t\n\t2013\t\t2012\t\t2011\t\n\tAssets\tLiabilities\tAssets\tLiabilities\tAssets\tLiabilities\n\t£m\t£m\t£m\t£m\t£m\t£m\nUK Retail--\t\t\t0\t0\t7048\t8808\nUK Corporate--\t\t\t0\t0\t11727\t12977\nWealth\t3\t0\t0\t0\t0\t0\nInternational Banking\t4\t47\t144\t51\t414\t88\nUS Retail & Commercial\t679\t3190\t0\t0\t0\t0\nMarkets\t74\t1\t91\t2\t17\t29\nCentral items\t882\t1\t(74)\t1\t136\t2\nNon-Core\t773\t21\t576\t808\t5670\t1779\nDirect Line Group--\t\t\t12697\t9267\t0\t0\nRFS Holdings minority interest\t602\t118\t579\t41\t438\t312\n\t3017\t3378\t14013\t10170\t25450\t23995\n", "q10k_tbl_434": "Segmental analysis of goodwill is as follows:\t\t\t\t\t\n\tUK UK\t\tInternational US Retail &\t\tDirect Line\n\tRetail Corporate\tWealth\tBanking Commercial\tMarkets Non-Core\tGroup Total\n\t£m £m\t£m\t£m £m\t£m £m\t£m £m\nAt 1 January 2011\t2799 2882\t812\t1092 3980\t2 15\t946 12528\nTransfer to disposal groups--\t\t---\t\t- (15)-(15)\t\nCurrency translation and other adjustments--\t\t0\t(28) 12\t1-(1)\t(16)\nAcquisitions--\t\t---\t\t18--\t18\nWrite-down of goodwill\t\t\t\t\t\n- continuing operations\t(20) (60)--\t\t---\t\t- (80)\n- discontinued operations--\t\t---\t\t--(11)\t(11)\nAt 1 January 2012\t2779 2822\t812\t1064 3992\t21-934\t12424\nTransfers to disposal groups--\t\t---\t\t--(540)\t(540)\nDisposals--\t\t(9)--\t\t---\t(9)\nCurrency translation and other adjustments--\t\t(3)\t(24) (169)\t(1)--\t(197)\nWrite-down of goodwill\t\t\t\t\t\n- continuing operations--\t\t---\t\t(18)--\t(18)\n- discontinued operations--\t\t---\t\t--(394)\t(394)\nAt 1 January 2013\t2779 2822\t800\t1040 3823\t2--\t11266\nDisposals--\t\t(1)--\t\t---\t(1)\nCurrency translation and other adjustments--\t\t2\t19 (88)--\t\t- (67)\nWrite-down of goodwill--\t\t0\t(1059)--\t--(1059)\t\nAt 31 December 2013\t2779 2822\t801-3735\t\t2--\t10139\n", "q10k_tbl_435": "38 Segmental analysis continued\t\t\t\t\t\n(b) Geographical segments\t\t\t\t\t\nThe geographical analysis in the tables below has been compiled on the basis of location of office where the transactions are recorded.\t\t\t\t\t\n\tUK\tUSA\tEurope\tRoW\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nTotal revenue\t16015\t5515\t2913\t2015\t26458\nNet interest income\t7794\t2200\t746\t241\t10981\nNet fees and commissions\t2544\t1099\t663\t212\t4518\nIncome from trading activities\t1474\t1013\t106\t92\t2685\nOther operating income\t644\t382\t242\t305\t1573\nTotal income\t12456\t4694\t1757\t850\t19757\nOperating (loss)/profit before tax\t(2444)\t(615)\t(5262)\t78\t(8243)\nTotal assets\t747347\t197789\t40113\t42629\t1027878\nOf which total assets held for sale\t915\t750\t198\t1154\t3017\nTotal liabilities\t692861\t185952\t50107\t42146\t968663\nOf which total liabilities held for sale-3210\t\t\t81\t87\t3378\nNet assets attributable to equity owners and non-controlling interests\t54486\t11837\t(9994)\t483\t59215\nContingent liabilities and commitments\t107500\t83048\t41368\t10093\t242009\nCost to acquire property plant and equipment and intangible assets\t1086\t428\t232\t10\t1756\n2012*\t\t\t\t\t\nTotal revenue\t12396\t6824\t3790\t2893\t25903\nNet interest income\t8212\t2157\t770\t263\t11402\nNet fees and commissions\t2834\t1220\t564\t257\t4875\nIncome from trading activities\t(314)\t1539\t193\t257\t1675\nOther operating (loss)/income\t(710)\t282\t356\t61\t(11)\nTotal income\t10022\t5198\t1883\t838\t17941\nOperating (loss)/profit before tax\t(4671)\t1821\t(2034)\t(393)\t(5277)\nTotal assets\t899604\t305588\t47966\t59137\t1312295\nOf which total assets held for sale\t11638\t291\t1001\t1083\t14013\nTotal liabilities\t835268\t288005\t61801\t56773\t1241847\nOf which total liabilities held for sale\t8405\t129\t871\t765\t10170\nNet assets attributable to equity owners and non-controlling interests\t64336\t17583\t(13835)\t2364\t70448\nContingent liabilities and commitments\t105018\t84788\t49341\t8498\t247645\nCost to acquire property plant and equipment and intangible assets\t1953\t325\t186\t69\t2533\n2011*\t\t\t\t\t\nTotal revenue\t18212\t7271\t5067\t3796\t34346\nNet interest income\t8367\t2430\t962\t544\t12303\nNet fees and commissions\t3389\t1365\t244\t419\t5417\nIncome from trading activities\t661\t1318\t508\t214\t2701\nOther operating income/(loss)\t2950\t219\t1079\t(18)\t4230\nTotal income\t15367\t5332\t2793\t1159\t24651\nOperating profit/(loss) before tax\t667\t1794\t(3419)\t(438)\t(1396)\nTotal assets\t1007096\t359592\t66239\t73940\t1506867\nOf which total assets held for sale\t19343\t53\t6011\t43\t25450\nTotal liabilities\t936477\t341631\t82059\t70647\t1430814\nOf which total liabilities held for sale\t21903\t104\t1988-23995\t\t\nNet assets attributable to equity owners and non-controlling interests\t70619\t17961\t(15820)\t3293\t76053\nContingent liabilities and commitments\t118702\t95703\t51465\t12949\t278819\nCost to acquire property plant and equipment and intangible assets\t2522\t500\t1484\t58\t4564\n*Restated\t\t\t\t\t\n", "q10k_tbl_436": "39 Directors' and key management remuneration\t\t\n\t2013 £000\t2012 £000\nDirectors' remuneration\nNon-executive directors - emoluments\t1208\t1218\nChairman and executive directors\t\t\n- emoluments\t3632\t3825\n- contributions and allowances in respect of money purchase schemes\t348\t436\n\t5188\t5479\n- amounts receivable under long-term incentive plans-1223\t\t\n\t5188\t6702\n", "q10k_tbl_437": "\t2013 £000\t2012 £000\nShort-term benefits\t30590\t32540\nPost-employment benefits\t238\t699\nTermination benefits\t2033\t0\nShare-based payments\t13003\t24533\n\t45864\t57772\n", "q10k_tbl_438": "\t2013 £000\t2012 £000\nLoans and advances to customers\t10750\t11748\nCustomer accounts\t33279\t36250\n", "q10k_tbl_439": "For the year ended 31 December 2013\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nNet interest income\t258\t3370\t7102\t251\t10981\nNon-interest income\t700\t7391\t3523\t(2838)\t8776\nTotal income\t958\t10761\t10625\t(2587)\t19757\nOperating expenses\t40\t(8217)\t(11399)\t8\t(19568)\nImpairment losses-(2536)\t\t\t(5704)\t(192)\t(8432)\nOperating profit/(loss) before tax\t998\t8\t(6478)\t(2771)\t(8243)\nTax\t(34)\t(1207)\t681\t178\t(382)\nProfit/(loss) from continuing operations\t964\t(1199)\t(5797)\t(2593)\t(8625)\nProfit from discontinued operations net of tax--\t\t\t76\t72\t148\nProfit/(loss) for the year\t964\t(1199)\t(5721)\t(2521)\t(8477)\n", "q10k_tbl_440": "For the year ended 31 December 2013\tRBSG plc £m RBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nProfit/(loss) for the year\t964 (1199)\t(5699)\t(2543)\t(8477)\nItems that do not qualify for reclassification\t\t\t\t\nActuarial (losses)/gains on defined benefit plans-(13)\t\t459-446\t\t\nTax-6\t\t(252)-(246)\t\t\n\t- (7)\t207-200\t\t\nItems that do qualify for reclassification\t\t\t\t\nAvailable-for-sale financial assets-(1497)\t\t789\t302\t(406)\nCash flow hedges-(1857)\t\t(125)\t(309)\t(2291)\nCurrency translation-(66)\t\t77\t(240)\t(229)\nTax-796\t\t188\t30\t1014\n\t- (2624)\t929\t(217)\t(1912)\nOther comprehensive (loss)/income after tax-(2631)\t\t1136\t(217)\t(1712)\nTotal comprehensive income/(loss) for the year\t964 (3830)\t(4563)\t(2760)\t(10189)\nTotal comprehensive income/(loss) is attributable to:\t\t\t\t\nNon-controlling interests--\t\t6\t131\t137\nPreference shareholders\t349 58-(58)\t\t\t349\nPaid-in equity holders\t30--\t\t19\t49\nOrdinary and B shareholders\t585 (3888)\t(4569)\t(2852)\t(10724)\n\t964 (3830)\t(4563)\t(2760)\t(10189)\n", "q10k_tbl_441": "For the year ended 31 December 2012*\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nNet interest income\t390\t4038\t6816\t158\t11402\nNon-interest income\t2263\t5830\t2391\t(3945)\t6539\nTotal income\t2653\t9868\t9207\t(3787)\t17941\nOperating expenses\t12\t(9138)\t(9234)\t421\t(17939)\nImpairment losses\t(3194)\t(1548)\t(1825)\t1288\t(5279)\nOperating loss before tax\t(529)\t(818)\t(1852)\t(2078)\t(5277)\nTax\t(155)\t37\t(419)\t96\t(441)\nLoss from continuing operations\t(684)\t(781)\t(2271)\t(1982)\t(5718)\nProfit/(loss) from discontinued operations net of tax--\t\t\t222\t(394)\t(172)\nLoss for the year\t(684)\t(781)\t(2049)\t(2376)\t(5890)\n", "q10k_tbl_442": "For the year ended 31 December 2012*\tRBSG plc £m RBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nLoss for the year\t(684) (781)\t(2049)\t(2376)\t(5890)\nItems that do not qualify for reclassification\t\t\t\t\nActuarial losses on defined benefit plans-(126)\t\t(67)\t(1965)\t(2158)\nTax-26\t\t28\t298\t352\n\t- (100)\t(39)\t(1667)\t(1806)\nItems that do qualify for reclassification\t\t\t\t\nAvailable-for-sale financial assets-(693)\t\t516\t822\t645\nCash flow hedges-554\t\t240\t212\t1006\nCurrency translation-11\t\t(394)\t(517)\t(900)\nTax-117\t\t(72)\t(197)\t(152)\n\t- (11)\t290\t320\t599\nOther comprehensive (loss)/income after tax-(111)\t\t251\t(1347)\t(1207)\nTotal comprehensive loss for the year\t(684) (892)\t(1798)\t(3723)\t(7097)\nTotal comprehensive loss is attributable to:\t\t\t\t\nNon-controlling interests--\t\t(15)\t(114)\t(129)\nPreference shareholders\t273 58-(58)\t\t\t273\nPaid-in equity holders\t15--\t\t13\t28\nOrdinary and B shareholders\t(972) (950)\t(1783)\t(3564)\t(7269)\n\t(684) (892)\t(1798)\t(3723)\t(7097)\n", "q10k_tbl_443": "For the year ended 31 December 2011*\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nNet interest income\t514\t3473\t8219\t97\t12303\nNon-interest income\t(566)\t8122\t6074\t(1282)\t12348\nTotal income\t(52)\t11595\t14293\t(1185)\t24651\nOperating expenses\t18\t(8195)\t(9398)\t235\t(17340)\nImpairment losses-(1533)\t\t\t(7184)\t10\t(8707)\nOperating (loss)/profit before tax\t(34)\t1867\t(2289)\t(940)\t(1396)\nTax\t(73)\t(755)\t(267)\t20\t(1075)\n(Loss)/profit from continuing operations\t(107)\t1112\t(2556)\t(920)\t(2471)\nProfit from discontinued operations net of tax--\t\t\t348-348\t\t\n(Loss)/profit for the year\t(107)\t1112\t(2208)\t(920)\t(2123)\n", "q10k_tbl_444": "For the year ended 31 December 2011*\tRBSG plc £m RBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\n(Loss)/profit for the year\t(107) 1112\t(2208)\t(920)\t(2123)\nItems that do not qualify for reclassification\t\t\t\t\nActuarial losses on defined benefit plans-(3)\t\t18\t(390)\t(375)\nTax\t0\t12\t22\t34\n\t- (3)\t30\t(368)\t(341)\nItems that do qualify for reclassification\t\t\t\t\nAvailable-for-sale financial assets-1560\t\t541\t157\t2258\nCash flow hedges-1083\t\t333\t8\t1424\nCurrency translation-15\t\t(1385)\t930\t(440)\nTax-(628)\t\t(1154)\t224\t(1558)\n\t- 2030\t(1665)\t1319\t1684\nOther comprehensive income/(loss) after tax-2027\t\t(1635)\t951\t1343\nTotal comprehensive (loss)/income for the year\t(107) 3139\t(3843)\t31\t(780)\nTotal comprehensive (loss)/income is attributable to:\t\t\t\t\nNon-controlling interests--\t\t(5)\t(19)\t(24)\nPreference shareholders-58\t\t0\t(58)\t0\nOrdinary and B shareholders\t(107) 3081\t(3838)\t108\t(756)\n\t(107) 3139\t(3843)\t31\t(780)\n", "q10k_tbl_445": "At 31 December 2013\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nAssets\t\t\t\t\t\nCash and balances at central banks-75792\t\t\t6867-82659\t\t\nLoans and advances to banks\t24574\t77768\t193024\t(241295)\t54071\nLoans and advances to customers\t153\t225374\t269326\t(54131)\t440722\nDebt securities\t1517\t92327\t52316\t(32561)\t113599\nEquity shares-7301\t\t\t2274\t(764)\t8811\nInvestments in Group undertakings\t54813\t42328\t13233\t(110374)\t0\nSettlement balances-3492\t\t\t2417\t(318)\t5591\nDerivatives\t164\t292880\t9638\t(14643)\t288039\nIntangible assets-1127\t\t\t5033\t6208\t12368\nProperty plant and equipment-2284\t\t\t5616\t9\t7909\nDeferred tax-2298\t\t\t1402\t(222)\t3478\nPrepayments accrued income and other assets\t36\t3246\t7263\t(2931)\t7614\nAssets of disposals groups\t842-2136\t\t\t39\t3017\nTotal assets\t82099\t826217\t570545\t(450983)\t1027878\nLiabilities\t\t\t\t\t\nDeposits by banks\t1490\t180293\t108129\t(225933)\t63979\nCustomer accounts\t740\t193553\t328090\t(51503)\t470880\nDebt securities in issue\t7015\t51538\t36147\t(26881)\t67819\nSettlement balances-2274\t\t\t3328\t(289)\t5313\nShort positions-17898\t\t\t10815\t(691)\t28022\nDerivatives\t62\t288507\t11600\t(14643)\t285526\nAccruals deferred income and other liabilities\t49\t7201\t10006\t(1239)\t16017\nRetirement benefit liabilities-65\t\t\t(336)\t3481\t3210\nDeferred tax--\t\t\t1617\t(1110)\t507\nSubordinated liabilities\t12426\t30566\t6009\t(24989)\t24012\nLiabilities of disposal groups--\t\t\t3378-3378\t\t\nTotal liabilities\t21782\t771895\t518783\t(343797)\t968663\nNon-controlling interests--\t\t\t1194\t(721)\t473\nOwners' equity\t60317\t54322\t50568\t(106465)\t58742\nTotal equity\t60317\t54322\t51762\t(107186)\t59215\nTotal liabilities and equity\t82099\t826217\t570545\t(450983)\t1027878\n", "q10k_tbl_446": "At 31 December 2012*\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nAssets\t\t\t\t\t\nCash and balances at central banks-70374\t\t\t8916-79290\t\t\nLoans and advances to banks\t24066\t109571\t229459\t(299145)\t63951\nLoans and advances to customers\t1266\t271549\t283552\t(56232)\t500135\nDebt securities\t1522\t122447\t72097\t(38628)\t157438\nEquity shares-12766\t\t\t3240\t(774)\t15232\nInvestments in Group undertakings\t54995\t40262\t12081\t(107338)\t0\nSettlement balances-3090\t\t\t2709\t(58)\t5741\nDerivatives\t511\t449838\t15828\t(24274)\t441903\nIntangible assets-1033\t\t\t6367\t6145\t13545\nProperty plant and equipment-2430\t\t\t7345\t9\t9784\nDeferred tax-2878\t\t\t763\t(198)\t3443\nPrepayments accrued income and other assets\t20\t4433\t5834\t(2467)\t7820\nAssets of disposals groups--\t\t\t13755\t258\t14013\nTotal assets\t82380\t1090671\t661946\t(522702)\t1312295\nLiabilities\t\t\t\t\t\nDeposits by banks\t1455\t209583\t143259\t(252892)\t101405\nCustomer accounts\t838\t256334\t354409\t(90302)\t521279\nDebt securities in issue\t9310\t71494\t48693\t(34905)\t94592\nSettlement balances-2878\t\t\t3025\t(25)\t5878\nShort positions-14074\t\t\t14208\t(691)\t27591\nDerivatives\t7\t439152\t19448\t(24274)\t434333\nAccruals deferred income and other liabilities\t491\t7355\t842\t6113\t14801\nRetirement benefit liabilities-56\t\t\t347\t3481\t3884\nDeferred tax--\t\t\t2175\t(1034)\t1141\nSubordinated liabilities\t11305\t31635\t9363\t(25530)\t26773\nLiabilities of disposal groups--\t\t\t10167\t3\t10170\nTotal liabilities\t23406\t1032561\t605936\t(420056)\t1241847\nNon-controlling interests--\t\t\t928\t842\t1770\nOwners' equity\t58974\t58110\t55082\t(103488)\t68678\nTotal equity\t58974\t58110\t56010\t(102646)\t70448\nTotal liabilities and equity\t82380\t1090671\t661946\t(522702)\t1312295\n", "q10k_tbl_447": "At 31 December 2011*\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nAssets\t\t\t\t\t\nCash and balances at central banks-64261\t\t\t15008-79269\t\t\nLoans and advances to banks\t18368\t109040\t352420\t(396518)\t83310\nLoans and advances to customers\t4056\t351123\t316881\t(156454)\t515606\nDebt securities\t1568\t181460\t102311\t(76259)\t209080\nEquity shares-10486\t\t\t5478\t(781)\t15183\nInvestments in Group undertakings\t53871\t32164\t12107\t(98142)\t0\nSettlement balances-4059\t\t\t3713\t(1)\t7771\nDerivatives\t1502\t537297\t24781\t(33962)\t529618\nIntangible assets-876\t\t\t7251\t6731\t14858\nProperty plant and equipment-2244\t\t\t9629\t(5)\t11868\nDeferred tax\t1\t2584\t1115\t178\t3878\nPrepayments accrued income and other assets\t24\t5338\t8046\t(2432)\t10976\nAssets of disposals groups-18715\t\t\t6709\t26\t25450\nTotal assets\t79390\t1319647\t865449\t(757619)\t1506867\nLiabilities\t\t\t\t\t\nDeposits by banks\t1091\t234297\t235983\t(362567)\t108804\nCustomer accounts\t977\t296902\t376643\t(171567)\t502955\nDebt securities in issue\t8373\t114524\t113307\t(73583)\t162621\nSettlement balances-3517\t\t\t3960-7477\t\t\nShort positions-24858\t\t\t16950\t(769)\t41039\nDerivatives\t79\t530855\t27011\t(33962)\t523983\nAccruals deferred income and other liabilities\t704\t8840\t14941\t(1281)\t23204\nRetirement benefit liabilities-25\t\t\t423\t1791\t2239\nDeferred tax--\t\t\t2381\t(436)\t1945\nInsurance liabilities--\t\t\t6268\t(35)\t6233\nSubordinated liabilities\t8777\t30014\t9393\t(21865)\t26319\nLiabilities of disposal groups-20478\t\t\t3517-23995\t\t\nTotal liabilities\t20001\t1264310\t810777\t(664274)\t1430814\nNon-controlling interests--\t\t\t1022\t(336)\t686\nOwners' equity\t59389\t55337\t53650\t(93009)\t75367\nTotal equity\t59389\t55337\t54672\t(93345)\t76053\nTotal liabilities and equity\t79390\t1319647\t865449\t(757619)\t1506867\n", "q10k_tbl_448": "For the year ended 31 December 2013\tRBSG plc £m\tRBS plc £m\tSubsidiaries £m\tConsolidation Adjustments £m\tRBSG Group £m\nNet cash flows from operating activities\t(2865)\t(21590)\t(6527)\t351\t(30631)\nNet cash flows from investing activities\t1206\t20758\t1143\t(1924)\t21183\nNet cash flows from financing activities\t1993\t(1387)\t(5834)\t2500\t(2728)\nEffects of exchange rate changes on cash and cash equivalents\t14\t604\t(323)\t217\t512\nNet increase/(decrease) in cash and cash equivalents\t348\t(1615)\t(11541)\t1144\t(11664)\nCash and cash equivalents at 1 January 2013\t997\t126243\t125045\t(119444)\t132841\nCash and cash equivalents at 31 December 2013\t1345\t124628\t113504\t(118300)\t121177\nFor the year ended 31 December 2012\t\t\t\t\t\nNet cash flows from operating activities\t(984)\t(50033)\t(32975)\t38879\t(45113)\nNet cash flows from investing activities\t(2008)\t49347\t(22387)\t2223\t27175\nNet cash flows from financing activities\t2156\t4535\t(2898)\t(1776)\t2017\nEffects of exchange rate changes on cash and cash equivalents\t(50)\t(2938)\t(1708)\t803\t(3893)\nNet (decrease)/increase in cash and cash equivalents\t(886)\t911\t(59968)\t40129\t(19814)\nCash and cash equivalents at 1 January 2012\t1883\t125332\t185013\t(159573)\t152655\nCash and cash equivalents at 31 December 2012\t997\t126243\t125045\t(119444)\t132841\n", "q10k_tbl_449": "For the year ended 31 December 2011\t\t\t\t\t\nNet cash flows from operating activities\t3815\t2084\t23256\t(25830)\t3325\nNet cash flows from investing activities\t(4568)\t5933\t(3534)\t2183\t14\nNet cash flows from financing activities\t334\t4258\t(3502)\t(2831)\t(1741)\nEffects of exchange rate changes on cash and cash equivalents\t(55)\t(1322)\t(491)\t395\t(1473)\nNet (decrease)/increase in cash and cash equivalents\t(474)\t10953\t15729\t(26083)\t125\nCash and cash equivalents at 1 January 2011\t2357\t114379\t169284\t(133490)\t152530\nCash and cash equivalents at 31 December 2011\t1883\t125332\t185013\t(159573)\t152655\n", "q10k_tbl_450": "497\tFinancial summary\n507\tExchange rates\n508\tSupervision\n509\tDescription of property and equipment\n509\tMajor shareholders\n510\tMaterial contracts\n513\tRisk factors\n527\tIran sanctions and related disclosures\n", "q10k_tbl_451": "\t2013\t2012*\t2011*\t2010*\t2009*\nSummary consolidated income statement\t£m\t£m\t£m\t£m\t£m\nNet interest income\t10981\t11402\t12303\t13782\t12928\nNon-interest income (123)\t8776\t6539\t12348\t12840\t14650\nTotal income\t19757\t17941\t24651\t26622\t27578\nOperating expenses (456789)\t(19568)\t(17939)\t(17340)\t(17600)\t(16652)\nProfit before insurance net claims and impairment losses\t189\t2\t7311\t9022\t10926\nInsurance net claims--\t\t\t0\t(85)\t(134)\nImpairment losses (10)\t(8432)\t(5279)\t(8707)\t(9235)\t(13891)\nOperating loss before tax\t(8243)\t(5277)\t(1396)\t(298)\t(3099)\nTax (charge)/credit\t(382)\t(441)\t(1075)\t(664)\t515\nLoss from continuing operations\t(8625)\t(5718)\t(2471)\t(962)\t(2584)\nProfit/(loss) from discontinued operations net of tax\t148\t(172)\t348\t(809)\t248\nLoss for the year\t(8477)\t(5890)\t(2123)\t(1771)\t(2336)\nLoss attributable to:\t\t\t\t\t\nNon-controlling interests\t120\t(136)\t28\t(675)\t358\nPreference shareholders\t349\t273-105\t\t\t878\nPaid-in equity holders\t49\t28-29\t\t\t96\nOrdinary and B shareholders\t(8995)\t(6055)\t(2151)\t(1230)\t(3668)\n*Restated\t\t\t\t\t\n", "q10k_tbl_452": "\t2013\t2012*\t2011*\t2010*\t2009*\nSummary consolidated balance sheet\t£m\t£m\t£m\t£m\t£m\nLoans and advances\t494793\t564086\t598916\t655778\t820146\nDebt securities and equity shares\t122410\t172670\t224263\t239678\t286782\nDerivatives and settlement balances\t293630\t447644\t537389\t438682\t453487\nOther assets\t117045\t127895\t146299\t119438\t136071\nTotal assets\t1027878\t1312295\t1506867\t1453576\t1696486\nOwners' equity\t58742\t68678\t75367\t75680\t78392\nNon-controlling interests\t473\t1770\t686\t1171\t16239\nSubordinated liabilities\t24012\t26773\t26319\t27053\t37652\nDeposits\t534859\t622684\t611759\t609483\t756346\nDerivatives settlement balances and short positions\t318861\t467802\t572499\t478076\t475017\nOther liabilities\t90931\t124588\t220237\t262113\t332840\nTotal liabilities and equity\t1027878\t1312295\t1506867\t1453576\t1696486\n*Restated\t\t\t\t\t\n", "q10k_tbl_453": "\t2013\t2012*\t2011*\t2010*\t2009*\nLoss per ordinary and equivalent B share from continuing operations - pence\t(81.3)\t(54.5)\t(22.7)\t(3.9)\t(58.4)\nDiluted loss per ordinary and equivalent B share from continuing operations - pence (1)\t(81.3)\t(54.5)\t(22.7)\t(3.9)\t(58.4)\nShare price per ordinary share at year end - £\t3.38\t3.25\t2.02\t3.91\t2.92\nMarket capitalisation at year end - £bn\t38.2\t36.3\t22.3\t42.8\t31.4\nNet asset value per ordinary and equivalent B share - £\t5.24\t6.31\t6.90\t7.02\t8.81\nReturn on average total assets (2)\t(0.7%)\t(0.4%)\t(0.1%)\t(0.1%)\t(0.2%)\nReturn on average owners equity (3)\t(12.6%)\t(7.8%)\t(2.8%)\t(1.5%)\t(4.9%)\nReturn on average ordinary and B shareholders' equity (4)\t(14.5%)\t(8.9%)\t(3.1%)\t(0.9%)\t(7.4%)\nAverage owners' equity as a percentage of average total assets\t5.6%\t5.2%\t4.9%\t4.6%\t2.8%\nRisk asset ratio - Tier 1\t13.1%\t12.4%\t13.0%\t12.9%\t14.1%\nRisk asset ratio - Total\t16.5%\t14.5%\t13.8%\t14.0%\t16.1%\nRatio of earnings to combined fixed charges and preference share dividends (56)\t\t\t\t\t\n- including interest on deposits\t(0.34)\t0.28\t0.85\t0.95\t0.72\n- excluding interest on deposits\t(4.51)\t(2.99)\t(0.37)\t0.50\t(0.47)\nRatio of earnings to fixed charges only (56)\t\t\t\t\t\n- including interest on deposits\t(0.36)\t0.29\t0.85\t0.97\t0.77\n- excluding interest on deposits\t(6.04)\t(3.81)\t(0.37)\t0.58\t(0.71)\n", "q10k_tbl_454": "\t\tAfter 1 year\t\t\t\t\t\t\n\tWithin\tbut within\tAfter\t2013\t\t\t\t\n\t1 year\t5 years\t5 years\tTotal\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\t£m\t£m\t£m\nUK\t\t\t\t\t\t\t\t\nCentral and local government\t5353\t52\t1546\t6951\t8087\t8037\t5901\t4629\nFinance\t21817\t4447\t2673\t28937\t33955\t33235\t34018\t35461\nResidential mortgages\t10639\t23842\t76034\t110515\t109530\t100726\t101593\t92584\nPersonal lending\t12706\t3709\t683\t17098\t19692\t20207\t23620\t25759\nProperty\t17738\t16177\t10337\t44252\t53730\t55751\t65462\t71830\nConstruction\t3106\t1085\t500\t4691\t6507\t7173\t9351\t10604\nManufacturing\t5487\t2538\t714\t8739\t10058\t10476\t13810\t17724\nService industries and business activities\t22357\t19691\t10205\t52253\t56435\t59190\t70006\t78806\nAgriculture forestry and fishing\t994\t1029\t864\t2887\t2699\t2736\t2939\t3084\nFinance leases and instalment credit\t3671\t4321\t2532\t10524\t10532\t11216\t13374\t16186\nAccrued interest\t128\t6\t2\t136\t263\t375\t513\t905\nTotal UK\t103996\t76897\t106090\t286983\t311488\t309122\t340587\t357572\nOverseas\t\t\t\t\t\t\t\t\nUS\t11426\t32556\t16458\t60440\t63496\t72933\t74598\t83373\nRest of the World\t29148\t19276\t20131\t68555\t76240\t91817\t105618\t263534\nTotal Overseas\t40574\t51832\t36589\t128995\t139736\t164750\t180216\t346907\nReverse repos\t\t\t\t\t\t\t\t\nUK\t19777--\t\t\t19777\t42989\t42025\t34234\t29666\nUS\t18603--\t\t\t18603\t22811\t17397\t16154\t10196\nRest of World\t11517--\t\t\t11517\t4247\t2072\t2124\t1178\nTotal reverse repos\t49897--\t\t\t49897\t70047\t61494\t52512\t41040\nLoans and advances to customers - gross\t194467\t128729\t142679\t465875\t521271\t535366\t573315\t745519\nLoan impairment provisions\t\t\t\t(25153)\t(21136)\t(19760)\t(18055)\t(17126)\nLoans and advances to customers - net\t\t\t\t440722\t500135\t515606\t555260\t728393\nFixed rate\t33813\t30315\t53324\t117452\t123941\t88429\t95000\t223902\nVariable rate\t110757\t98414\t89355\t298526\t327283\t385443\t425803\t480577\nReverse repos\t49897--\t\t\t49897\t70047\t61494\t52512\t41040\nLoans and advances to customers - gross\t194467\t128729\t142679\t465875\t521271\t535366\t573315\t745519\n", "q10k_tbl_455": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nProvisions at the beginning of the year\t\t\t\t\t\nUK\t9754\t8222\t8537\t7004\t4634\nOverseas\t11496\t11661\t9645\t10279\t6382\n\t21250\t19883\t18182\t17283\t11016\nTransfer (to)/from disposal groups\t\t\t\t\t\nUK-764\t\t\t(773)\t(25)\t0\nOverseas\t(9)--\t\t\t(47)\t(324)\n\t(9)\t764\t(773)\t(72)\t(324)\nCurrency translation and other adjustments\t\t\t\t\t\nUK\t323\t635\t5\t(23)\t(244)\nOverseas\t(202)\t(945)\t(288)\t66\t(286)\n\t121\t(310)\t(283)\t43\t(530)\nDisposals\t\t\t\t\t\nOverseas\t(77)\t(5)\t8\t(2172)\t(65)\nAmounts written-off\t\t\t\t\t\nUK\t(2547)\t(2127)\t(2408)\t(2270)\t(2925)\nOverseas\t(1799)\t(2139)\t(2119)\t(3772)\t(4014)\n\t(4346)\t(4266)\t(4527)\t(6042)\t(6939)\nRecoveries of amounts previously written-off\t\t\t\t\t\nUK\t78\t164\t158\t151\t176\nOverseas\t178\t177\t369\t260\t223\n\t256\t341\t527\t411\t399\nCharged to income statement - continuing operations (1)\t\t\t\t\t\nUK\t3593\t2351\t2937\t3916\t5593\nOverseas\t4819\t2964\t4304\t5228\t7497\n\t8412\t5315\t7241\t9144\t13090\nCharged to income statement - discontinued operations\t\t\t\t\t\nOverseas-4\t\t\t(8)\t42\t1044\nUnwind of discount (recognised in interest income)\t\t\t\t\t\nUK\t(196)\t(255)\t(235)\t(216)\t(230)\nOverseas\t(195)\t(221)\t(249)\t(239)\t(178)\n\t(391)\t(476)\t(484)\t(455)\t(408)\nProvisions at the end of the year (2)\t\t\t\t\t\nUK\t11005\t9754\t8222\t8537\t7004\nOverseas\t14211\t11496\t11661\t9645\t10279\n\t25216\t21250\t19883\t18182\t17283\nGross loans and advances to customers (3)\t\t\t\t\t\nUK\t286983\t311488\t309122\t340587\t357572\nOverseas\t128995\t139736\t164750\t180216\t346907\n\t415978\t451224\t473872\t520803\t704479\nFor the notes to this table refer to the following page.\t\t\t\t\t\n", "q10k_tbl_456": "\t2013\t2012\t2011\t2010\t2009\nClosing customer provisions as a % of gross loans and advances to customers (3 4)\t\t\t\t\t\nUK\t3.8%\t3.1%\t2.6%\t2.5%\t1.9%\nOverseas\t11.0%\t8.2%\t7.1%\t5.3%\t2.9%\nTotal\t6.0%\t4.7%\t4.2%\t3.5%\t2.4%\nCustomer charge to income statement as a % of gross loans and advances to customers (3 4)\t\t\t\t\t\nUK\t1.3%\t0.8%\t1.0%\t1.1%\t1.6%\nOverseas\t3.7%\t2.1%\t2.6%\t2.9%\t2.2%\nTotal\t2.0%\t1.2%\t1.5%\t1.8%\t1.9%\n", "q10k_tbl_457": "The following table shows additional information in respect of loan impairment provisions.\t\t\t\t\t\n\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nLoan impairment provisions at end of year\t\t\t\t\t\nCustomers\t25153\t21136\t19760\t18055\t17126\nBanks\t63\t114\t123\t127\t157\n\t25216\t21250\t19883\t18182\t17283\nAverage loans and advances to customers (gross)\t509937\t541588\t578057\t610131\t821155\nAs a % of average loans and advances to customers during the year\t\t\t\t\t\nTotal customer provisions charged to income statement\t1.6%\t1.0%\t1.3%\t1.5%\t1.6%\nAmounts written-off (net of recoveries) - customers\t0.8%\t0.7%\t0.7%\t0.9%\t0.8%\n", "q10k_tbl_458": "Analysis of closing customer loan impairment provisions\t\t\t\t\t\t\t\t\t\t\nThe following table analyses customer loan impairment provisions by geographical area and type of UK customer.\t\t\t\t\t\t\t\t\t\t\n\t2013\t\t2012\t\t2011\t\t2010\t\t2009\t\n\t\t% of loans\t\t% of loans\t\t% of loans\t\t% of loans\t\t% of loans\n\tClosing\tto total\tClosing\tto total\tClosing\tto total\tClosing\tto total\tClosing\tto total\n\tProvision\tLoans\tProvision\tLoans\tProvision\tLoans\tProvision\tLoans\tProvision\tLoans\n\t£m%\t\t£m%\t\t£m%\t\t£m%\t\t£m%\t\nUK\t\t\t\t\t\t\t\t\t\t\nCentral and local government\t2\t1.7\t0\t1.8\t0\t1.7\t0\t1.1\t0\t0.7\nManufacturing\t140\t2.1\t134\t2.2\t135\t2.2\t99\t2.7\t166\t2.5\nConstruction\t515\t1.1\t483\t1.4\t502\t1.5\t605\t1.8\t355\t1.5\nFinance\t73\t7.0\t104\t7.5\t64\t7.0\t97\t6.5\t27\t5.0\nService industries and\t2192\t12.6\t1480\t12.5\t1219\t12.5\t1091\t13.4\t981\t11.2\nbusiness activities\nAgriculture forestry and\t45\t0.7\t34\t0.6\t36\t0.6\t26\t0.6\t19\t0.4\nfishing\nProperty\t5190\t10.6\t3944\t11.9\t2860\t11.8\t2124\t12.6\t1100\t10.2\nResidential mortgages\t319\t26.6\t457\t24.3\t397\t21.3\t313\t19.5\t196\t13.1\nPersonal lending\t1718\t4.1\t2152\t4.4\t1926\t4.3\t2517\t4.5\t2546\t3.7\nFinance leases and\t136\t2.5\t184\t2.3\t367\t2.4\t436\t2.6\t340\t2.3\ninstalment credit\nAccrued interest--\t\t\t0\t0.1\t0\t0.1\t0\t0.1\t0\t0.1\nTotal UK\t10330\t69.0\t8972\t69.0\t7506\t65.4\t7308\t65.4\t5730\t50.7\nOverseas\t12820\t31.0\t10204\t31.0\t10268\t34.6\t8097\t34.6\t8320\t49.3\nImpaired book provisions\t23150\t100.0\t19176\t100.0\t17774\t100.0\t15405\t100.0\t14050\t100.0\nLatent book provisions\t2003\t\t1960\t\t1986\t\t2650\t\t3076\t\nTotal provisions\t25153\t\t21136\t\t19760\t\t18055\t\t17126\t\n", "q10k_tbl_459": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nUK\t\t\t\t\t\nManufacturing\t41\t61\t115\t107\t225\nConstruction\t159\t158\t228\t110\t243\nFinance\t47\t30\t24\t6\t105\nService industries and business activities\t422\t542\t383\t410\t706\nAgriculture forestry and fishing\t6\t11\t4\t5\t3\nProperty\t950\t490\t493\t396\t334\nResidential mortgages\t180\t32\t25\t17\t2\nPersonal lending\t681\t610\t1007\t1152\t1192\nFinance leases and instalment credit\t61\t193\t129\t67\t115\nTotal UK\t2547\t2127\t2408\t2270\t2925\nOverseas\t1799\t2139\t2119\t3772\t4014\nTotal write-offs (1)\t4346\t4266\t4527\t6042\t6939\n", "q10k_tbl_460": "Analysis of recoveries\t\t\t\t\t\nThe following table analyses recoveries of amounts written-off by geographical area and type of UK customer.\t\t\t\t\t\n\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nUK\t\t\t\t\t\nManufacturing\t1\t1\t4\t2\t1\nConstruction\t1\t10\t6\t1\t0\nFinance-1\t\t\t--2\t\t\nService industries and business activities\t21\t16\t10\t7\t14\nProperty\t5\t33\t8\t4\t0\nResidential mortgages-6\t\t\t9\t6\t3\nPersonal lending\t48\t93\t111\t128\t99\nFinance leases and instalment credit\t2\t4\t10\t3\t57\nTotal UK\t78\t164\t158\t151\t176\nOverseas\t178\t177\t369\t260\t223\nTotal recoveries\t256\t341\t527\t411\t399\n", "q10k_tbl_461": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nImpaired loans (1)\t\t\t\t\t\nUK\t17480\t18412\t15576\t15738\t13572\nOverseas\t19691\t20074\t23171\t19963\t21453\nTotal\t37171\t38486\t38747\t35701\t35025\nAccruing loans which are contractually overdue 90 days or more as to principal\t\t\t\t\t\nor interest\nUK\t1962\t2007\t1698\t2374\t2224\nOverseas\t259\t634\t400\t523\t1000\nTotal\t2221\t2641\t2098\t2897\t3224\nTotal risk elements in lending\t39392\t41127\t40845\t38598\t38249\nClosing provisions for impairment as a % of total risk elements in lending\t64%\t52%\t49%\t47%\t45%\nRisk elements in lending as a % of gross lending to customers excluding\t9.5%\t9.1%\t8.6%\t7.4%\t5.4%\nreverse repos (3)\n", "q10k_tbl_462": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nGross income not recognised but which would have been recognised under\t\t\t\t\t\nthe original terms of impaired loans\nUK\t571\t665\t636\t579\t625\nOverseas\t696\t940\t964\t830\t1032\n\t1267\t1605\t1600\t1409\t1657\nInterest on impaired loans included in net interest income\t\t\t\t\t\nUK\t196\t255\t235\t216\t230\nOverseas\t195\t221\t249\t239\t178\n\t391\t476\t484\t455\t408\n", "q10k_tbl_463": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nPotential problem loans\t789\t807\t739\t633\t1009\n", "q10k_tbl_464": "\t2013\t2012\t2011\t2010\t2009\n\t£m\t£m\t£m\t£m\t£m\nLoans granted forbearance\t7901\t11196\t7674\t5758\t2698\n", "q10k_tbl_465": "\t\t\t\t\t\tNet of short\n\tGovernment\tBanks\tOther\tTotal\tShort positions\tpositions\n2013\t£m\t£m\t£m\t£m\t£m\t£m\nUnited States\t9016\t2062\t24722\t35800\t7984\t27816\nGermany\t12308\t2931\t4819\t20058\t4435\t15623\nFrance\t4686\t10234\t4406\t19326\t2352\t16974\nNetherlands\t4979\t1685\t6023\t12687\t1192\t11495\nSpain\t1461\t5748\t4814\t12023\t801\t11222\nItaly\t5350\t646\t1141\t7137\t3302\t3835\nJapan\t34\t4872\t1876\t6782\t2556\t4226\nRepublic of Ireland\t170\t2600\t2773\t5543\t51\t5492\n2012\t\t\t\t\t\t\nUnited States\t18936\t1736\t30983\t51655\t12080\t39575\nGermany\t14678\t4289\t6812\t25779\t1956\t23823\nFrance\t6563\t13285\t6224\t26072\t2157\t23915\nNetherlands\t5350\t2227\t11200\t18777\t1124\t17653\nSpain\t893\t4789\t6328\t12010\t515\t11495\nItaly\t3767\t373\t1165\t5305\t2301\t3004\nJapan\t4338\t6822\t1410\t12570\t2326\t10244\nRepublic of Ireland\t217\t3557\t3071\t6845\t59\t6786\n2011\t\t\t\t\t\t\nUnited States\t20932\t7300\t38721\t66953\t13329\t53624\nGermany\t34615\t5952\t9787\t50354\t2946\t47408\nFrance\t11633\t14800\t8189\t34622\t5903\t28719\nNetherlands\t4466\t2210\t10711\t17387\t982\t16405\nSpain\t340\t3656\t10282\t14278\t973\t13305\nItaly\t5190\t548\t1489\t7227\t4826\t2401\nJapan\t8350\t7505\t3375\t19230\t3141\t16089\nRepublic of Ireland\t665\t3287\t2759\t6711\t68\t6643\n", "q10k_tbl_466": "\t2013\t2012\t2011\n\t£m\t£m\t£m\nUK\t\t\t\nDemand deposits\t\t\t\n- interest-free\t85268\t73439\t66840\n- interest-bearing\t169580\t173384\t132047\nTime deposits\t\t\t\n- savings\t76043\t81884\t81003\n- other\t8357\t34859\t63930\nTotal UK\t339248\t363566\t343820\nOverseas\t\t\t\nDemand deposits\t\t\t\n- interest-free\t38235\t42250\t30780\n- interest-bearing\t23536\t34548\t44413\nTime deposits\t\t\t\n- savings\t23920\t26891\t25296\n- other\t24786\t23057\t38947\nTotal overseas\t110477\t126746\t139436\nTotal deposits\t449725\t490312\t483256\nHeld-for-trading\t30000\t42648\t48458\nDesignated as at fair value through profit or loss\t5862\t6323\t5627\nAmortised cost\t413863\t441341\t429171\nTotal deposits\t449725\t490312\t483256\nOverseas\t\t\t\nUS\t59046\t65734\t74508\nRest of the World\t51431\t61012\t64928\nTotal overseas\t110477\t126746\t139436\nRepos\t\t\t\nUK\t40018\t62055\t56826\nUS\t38085\t63744\t61411\nRest of the World\t7031\t6573\t10266\nTotal repos\t85134\t132372\t128503\n", "q10k_tbl_467": "\t\tOver 3\tOver 6\t\t\n\t\tmonths\tmonths\t\t\n\tWithin\tbut within\tbut within\tOver\t\n\t3 months\t6 months\t12 months\t12 months\tTotal\n2013\t£m\t£m\t£m\t£m\t£m\nUK based companies and branches\t\t\t\t\t\nCertificates of deposit\t671\t39\t537\t65\t1312\nOther time deposits\t21575\t1776\t2579\t3505\t29435\nOverseas based companies and branches\t\t\t\t\t\nCertificates of deposit\t899\t3\t10\t1\t913\nOther time deposits\t8427\t2337\t1760\t1252\t13776\n\t31572\t4155\t4886\t4823\t45436\n", "q10k_tbl_468": "\t\tFinancial\t\t\t\t\tFinancial\t\t\t\t\n\tRepurchase\tinstitutions\t\t\t2013\tRepurchase\tinstitutions\t\t\t2012\t2011\n\tagreements\t(12)\tCP\tCDs\tTotal\tagreements\t(12)\tCP\tCDs\tTotal\tTotal\nAt year end\t\t\t\t\t\t\t\t\t\t\t\n- balance (£bn)\t84\t61\t2\t2\t149\t132\t80\t3\t3\t218\t254\n- weighted average interest rate\t0.3%\t0.6%\t0.4%\t0.6%\t0.4%\t0.5%\t0.5%\t0.3%\t1.0%\t0.5%\t0.8%\nDuring the year\t\t\t\t\t\t\t\t\t\t\t\n- maximum balance (£bn)\t172\t155\t3\t3\t333\t181\t103\t18\t20\t322\t357\n- average balance (£bn)\t130\t71\t3\t3\t207\t149\t82\t9\t11\t251\t288\n- weighted average interest rate\t0.3%\t0.6%\t0.4%\t0.9%\t0.4%\t0.5%\t0.6%\t0.6%\t1.2%\t0.5%\t1.0%\n", "q10k_tbl_469": "\t0-3 months\t3-12 months\t1-3 years\t3-5 years\t5-10 years\t10-20 years\n2013\t£m\t£m\t£m\t£m\t£m\t£m\nOperating leases\t90\t258\t630\t513\t786\t1358\nContractual obligations to purchase goods or services\t107\t266\t189\t588\t12\t0\n\t197\t524\t819\t1101\t798\t1358\n2012\t\t\t\t\t\t\nOperating leases\t214\t185\t694\t559\t910\t1376\nContractual obligations to purchase goods or services\t110\t334\t500\t15--\t\t\n\t324\t519\t1194\t574\t910\t1376\n", "q10k_tbl_470": "\tMarch\tFebruary\tJanuary\tDecember\tNovember\tOctober\nUS dollars per £1\t2014\t2014\t2014\t2013\t2013\t2013\nNoon Buying Rate\t\t\t\t\t\t\nHigh\t1.6743\t1.6750\t1.6612\t1.6574\t1.6373\t1.6224\nLow\t1.6491\t1.6300\t1.6335\t1.6254\t1.5916\t1.5904\n\t\t2013\t2012\t2011\t2010\t2009\nNoon Buying Rate\t\t\t\t\t\t\nPeriod end rate\t\t1.6574\t1.6262\t1.5537\t1.5392\t1.6167\nAverage rate for the year (1)\t\t1.5673\t1.5924\t1.6105\t1.5415\t1.5707\nConsolidation rate (2)\t\t\t\t\t\t\nPeriod end rate\t\t1.6542\t1.6164\t1.5475\t1.5524\t1.6222\nAverage rate for the year\t\t1.5646\t1.5850\t1.6039\t1.5455\t1.5657\n", "q10k_tbl_471": "529\tFinancial calendar\n529\tShareholder enquiries\n530\tAnalyses of ordinary shareholders\n531\tTrading market\n534\tDividend history\n535\tTaxation for US Holders\n538\tExchange controls\n539\tMemorandum and Articles of Association\n547\tIncorporation and registration\n548\tAbbreviations and acronyms\n549\tGlossary of terms\n557\tEDTF recommendations\n558\tIndex\n561\tImportant addresses\n561\tPrincipal offices\n", "q10k_tbl_472": "Financial calendar\t\tDividends\t\nAnnual General Meeting\t25 June 2014\tPayment dates\t\n\tRBS Conference Centre\tCumulative preference shares\t30 May and 31 December 2014\n\tRBS Gogarburn\t\t\n\tEdinburgh EH12 1HQ\tNon-cumulative preference shares\t31 March 30 June 30 September and 31 December 2014\n\t\tEx-dividend date\t\nInterim results\t1 August 2014\tCumulative preference shares\t30 April 2014\n\t\tRecord date\t\n\t\tCumulative preference shares\t2 May 2014\n\t\tFor further information on the payment of dividends see page 534.\t\n", "q10k_tbl_473": "Analyses of ordinary shareholders\t\t\t\nAt 31 December 2013\tShareholdings%\tNumber of shares - millions\t\nIndividuals\t200686\t123.9\t2.0\nBanks and nominee companies\t11988\t6013.2\t96.9\nInvestment trusts\t105\t3.8\t0.1\nInsurance companies\t111\t0.4\t0\nOther companies\t1014\t18.0\t0.3\nPension trusts\t25\t0.9\t0\nOther corporate bodies\t89\t42.8\t0.7\n\t214018\t6203.0\t100.0\nRange of shareholdings:\t\t\t\n1 - 1000\t184830\t46.6\t0.8\n1001 - 10000\t27384\t62.5\t1.0\n10001 - 100000\t1152\t31.2\t0.5\n100001 - 1000000\t437\t150.4\t2.4\n1000001 - 10000000\t172\t544.7\t8.8\n10000001 and over\t43\t5367.6\t86.5\n\t214018\t6203.0\t100.0\n", "q10k_tbl_474": "Figures in US$\t\tSeries F ADSs\tSeries H ADSs\tSeries L ADSs\tSeries M ADSs\tSeries N ADSs\tSeries P ADSs\tSeries Q ADSs\tSeries R ADSs\tSeries S ADSs\tSeries T ADSs\tSeries U ADSs\tPROs (1)\nBy month\t\t\t\t\t\t\t\t\t\t\t\t\t\nMar 2014\tHigh\t25.56\t25.15\t21.66\t22.80\t22.67\t22.33\t23.73\t22.26\t23.16\t25.12\t101.50\t107.72\n\tLow\t25.19\t24.87\t21.18\t22.35\t22.23\t21.93\t23.23\t21.87\t22.76\t24.90\t100.00\t106.77\nFeb 2014\tHigh\t25.59\t25.08\t21.40\t22.84\t22.75\t22.25\t23.67\t22.18\t23.16\t25.02\t100.25\t106.72\n\tLow\t25.03\t24.50\t20.67\t22.09\t21.98\t21.56\t22.86\t21.48\t22.51\t24.59\t98.25\t105.87\nJan 2014\tHigh\t25.42\t24.93\t21.23\t22.68\t22.52\t22.11\t23.69\t21.88\t23.15\t24.96\t99.50\t106.56\n\tLow\t24.93\t24.23\t19.89\t20.86\t20.68\t20.39\t21.85\t20.06\t21.68\t24.17\t97.25\t105.04\nDec 2013\tHigh\t25.24\t24.74\t20.24\t21.59\t21.45\t21.19\t22.70\t20.85\t22.46\t24.68\t97.50\t105.16\n\tLow\t24.81\t23.83\t19.22\t20.52\t20.30\t20.05\t21.46\t19.70\t21.33\t23.83\t95.50\t104.30\nNov 2013\tHigh\t25.14\t24.85\t20.25\t21.88\t21.75\t21.40\t22.95\t21.18\t22.49\t24.76\t97.25\t104.76\n\tLow\t24.70\t24.41\t19.65\t21.46\t21.30\t21.04\t22.48\t20.62\t22.00\t24.25\t95.25\t104.10\nOct 2013\tHigh\t24.91\t24.82\t20.00\t21.35\t21.26\t20.78\t22.46\t20.65\t22.00\t24.07\t96.00\t104.00\n\tLow\t24.32\t24.16\t19.13\t20.23\t20.07\t19.88\t21.16\t19.88\t20.72\t23.05\t92.50\t102.20\nBy quarter\t\t\t\t\t\t\t\t\t\t\t\t\t\n2014: Q1\tHigh\t25.59\t25.15\t21.66\t22.84\t22.75\t22.33\t23.73\t22.26\t23.16\t25.12\t101.50\t\n\tLow\t24.93\t24.23\t19.89\t20.86\t20.68\t20.39\t21.85\t20.06\t21.68\t24.17\t97.25\t\n2013: Q4\tHigh\t25.24\t24.85\t20.25\t21.88\t21.75\t21.40\t22.95\t21.18\t22.49\t24.76\t97.50\t105.16\n\tLow\t24.32\t23.83\t19.13\t20.23\t20.07\t19.88\t21.16\t19.70\t20.72\t23.05\t92.50\t102.20\n2013: Q3\tHigh\t24.95\t24.70\t20.42\t21.16\t21.08\t20.89\t22.24\t20.71\t21.82\t23.84\t95.00\t102.80\n\tLow\t24.16\t23.64\t18.46\t19.58\t19.46\t19.29\t20.57\t19.26\t20.23\t22.28\t89.00\t91.38\n2013: Q2\tHigh\t25.86\t25.55\t23.87\t24.03\t23.72\t23.92\t24.63\t23.70\t24.45\t25.44\t98.50\t106.76\n\tLow\t24.07\t23.52\t18.99\t20.21\t20.16\t20.00\t21.05\t19.79\t20.49\t21.83\t84.00\t90.27\n2013: Q1\tHigh\t25.62\t25.41\t24.00\t23.87\t23.69\t23.71\t24.54\t23.47\t24.21\t25.03\t97.00\t107.70\n\tLow\t24.77\t24.70\t22.39\t22.24\t22.20\t21.92\t23.32\t21.77\t23.03\t24.19\t89.00\t100.24\n2012: Q4\tHigh\t25.20\t24.92\t23.57\t23.09\t22.98\t22.83\t23.40\t22.96\t23.31\t24.50\t90.00\t100.59\n\tLow\t24.33\t23.99\t21.32\t20.73\t20.71\t21.15\t21.16\t21.26\t20.89\t22.78\t82.50\t97.92\n2012: Q3\tHigh\t25.35\t24.96\t22.29\t21.24\t21.31\t21.76\t21.93\t21.26\t21.44\t23.54\t85.00\t98.46\n\tLow\t23.23\t21.92\t18.02\t17.53\t17.28\t17.52\t18.20\t17.50\t17.85\t19.76\t66.00\t79.51\n2012: Q2\tHigh\t23.43\t22.33\t19.10\t17.76\t17.64\t18.33\t18.77\t17.85\t18.44\t20.45\t71.00\t86.60\n\tLow\t20.39\t19.34\t17.00\t15.85\t15.70\t15.85\t16.39\t15.58\t16.23\t18.11\t62.00\t73.78\n2012: Q1\tHigh\t24.24\t22.74\t19.48\t16.64\t16.51\t16.52\t17.39\t16.57\t16.98\t19.00\t71.38\t85.32\n\tLow\t17.60\t16.76\t15.46\t11.63\t11.53\t11.41\t12.24\t11.41\t11.83\t13.08\t53.63\t66.58\nBy year\t\t\t\t\t\t\t\t\t\t\t\t\t\n2013\tHigh\t25.86\t25.55\t24.00\t24.03\t23.72\t23.92\t24.63\t23.70\t24.45\t25.44\t98.50\t107.70\n\tLow\t24.07\t23.52\t18.46\t19.58\t19.46\t19.29\t20.57\t19.26\t20.23\t21.83\t84.00\t90.27\n2012\tHigh\t25.35\t24.96\t23.57\t23.09\t22.98\t22.83\t23.40\t22.96\t23.31\t24.50\t90.00\t100.59\n\tLow\t17.60\t16.76\t15.46\t11.63\t11.53\t11.41\t12.24\t11.41\t11.83\t13.08\t53.63\t66.58\n2011\tHigh\t25.05\t23.95\t19.40\t18.80\t18.82\t18.40\t19.40\t18.35\t18.88\t20.60\t84.00\t96.69\n\tLow\t16.21\t15.35\t13.87\t10.21\t10.11\t9.97\t10.62\t9.98\t10.22\t11.43\t46.00\t63.58\n2010\tHigh\t23.97\t23.85\t19.88\t17.75\t17.73\t17.77\t17.91\t17.75\t17.73\t18.64\t78.25\t97.06\n\tLow\t16.57\t15.10\t13.35\t10.95\t10.91\t10.75\t11.24\t10.80\t10.99\t11.90\t53.00\t67.13\n2009\tHigh\t18.30\t16.46\t13.65\t14.07\t14.11\t13.91\t15.15\t13.63\t14.45\t16.48\t57.50\t69.25\n\tLow\t3.00\t2.77\t2.21\t2.63\t2.55\t2.43\t2.64\t2.37\t2.58\t2.78\t8.98\t20.00\n", "q10k_tbl_475": "By month\t£\tBy quarter\t\t£\tBy year\t£\nMarch 2014 High\t3.323\t2014: Q1\tHigh\t3.750\t2013 High\t3.849\nLow\t2.991\t\tLow\t2.991\tLow\t2.661\nFebruary 2014 High\t3.624\t2013: Q4\tHigh\t3.849\t2012 High\t3.250\nLow\t3.626\t\tLow\t3.159\tLow\t1.966\nJanuary 2014 High\t3.750\t2013: Q3\tHigh\t3.727\t2011 High\t4.900\nLow\t3.322\t\tLow\t2.700\tLow\t1.734\nDecember 2013 High\t3.400\t2013: Q2\tHigh\t3.519\t2010 High\t5.804\nLow\t3.159\t\tLow\t2.661\tLow\t3.125\nNovember 2013 High\t3.400\t2013: Q1\tHigh\t3.678\t2009 High\t5.765\nLow\t3.218\t\tLow\t2.755\tLow\t1.030\nOctober 2013 High\t3.849\t2012: Q4\tHigh\t3.250\t\t\nLow\t3.521\t\tLow\t2.573\t\t\n\t\t2012: Q3\tHigh\t2.790\t\t\n\t\t\tLow\t1.966\t\t\n\t\t2012: Q2\tHigh\t2.775\t\t\n\t\t\tLow\t1.998\t\t\n\t\t2012: Q1\tHigh\t2.917\t\t\n\t\t\tLow\t2.007\t\t\n", "q10k_tbl_476": "By month\tUS$\tBy quarter\t\tUS$\tBy year\tUS$\nMarch 2014 High\t11.15\t2014: Q1\tHigh\t12.40\t2013 High\t12.35\nLow\t9.86\t\tLow\t9.86\tLow\t8.15\nFebruary 2014 High\t12.11\t2013: Q4\tHigh\t12.35\t2012 High\t10.79\nLow\t10.74\t\tLow\t10.25\tLow\t6.09\nJanuary 2014 High\t12.40\t2013: Q3\tHigh\t11.97\t2011 High\t15.83\nLow\t11.00\t\tLow\t8.23\tLow\t5.36\nDecember 2013 High\t11.33\t2013: Q2\tHigh\t10.81\t2010 High\t17.30\nLow\t10.35\t\tLow\t8.15\tLow\t9.89\nNovember 2013 High\t10.85\t2013: Q1\tHigh\t11.84\t2009 High\t18.95\nLow\t10.25\t\tLow\t8.37\tLow\t3.33\nOctober 2013 High\t12.35\t2012: Q4\tHigh\t10.79\t\t\nLow\t11.39\t\tLow\t8.20\t\t\n\t\t2012: Q3\tHigh\t9.05\t\t\n\t\t\tLow\t6.09\t\t\n\t\t2012: Q2\tHigh\t8.87\t\t\n\t\t\tLow\t6.17\t\t\n\t\t2012: Q1\tHigh\t9.29\t\t\n\t\t\tLow\t6.25\t\t\n", "q10k_tbl_477": "Dividend history\t\t\t\t\nPreference dividends\t\t\t\t\n\t2013\t2013\t2012 2011\t2010 2009\nAmount per share\t£\t\t£ £\t£ £\nNon-cumulative preference shares of US$0.01\t\t\t\t\n- Series F (1)\t1.91\t1.16\t1.21 1.19\t1.06 1.22\n- Series H (1)\t1.81\t1.10\t1.14 1.13\t1.03 1.15\n- Series L (1)\t1.44\t0.87\t0.91 0.90\t0.86 0.92\n- Series M (2)\t1.60\t1.03\t0.75-0.26\t1.02\n- Series N (2)\t1.59\t1.03\t0.74-0.26\t1.01\n- Series P (2)\t1.56\t1.01\t0.73-0.25\t0.99\n- Series Q (2)\t1.69\t1.09\t0.79-0.27\t1.07\n- Series R (2)\t1.53\t0.99\t0.72-0.25\t0.97\n- Series S (2)\t1.65\t1.07\t0.77-0.27\t1.05\n- Series T (2)\t1.81\t1.17\t0.85-0.29\t1.15\n- Series U (2)\t7640\t4881\t2406-2474\t5019\nNon-cumulative convertible preference shares of US$0.01\t\t\t\t\n- Series 1 (1)\t91.18\t55.12\t57.86 56.87\t59.98 60.33\nNon-cumulative preference shares of €0.01\t\t\t\t\n- Series 1 (2)\t75.77\t45.76\t44.65--\t49.46\n- Series 2 (2)\t72.32\t44.83\t42.25--\t46.00\n- Series 3 (2)\t4885\t3027\t2813--\t3125\nNon-cumulative convertible preference shares of £0.01\t\t\t\t\n- Series 1 (1)\t122.20\t73.87\t73.87 73.87\t73.87 73.87\nNon-cumulative preference shares of £1\t\t\t\t\n- Series 1 (2)\t47.02\t28.42\t89.62--\t81.62\n- Series 2 (redeemed April 2009) (2)--\t\t\t---\t54.71\n", "q10k_tbl_478": "\t\t\tPage reference\nRisk type\t\tRecommendation\tForm 20-F Pillar 3\nGeneral\t1\tPresent all risk information together. Where this is not practicable provide an index.\t169-359 557\n\t2\tRisk terminology risk measures and key parameter values used.\t548-556 ü\n\t3\tTop and emerging risks.\t174-176\n\t4\tKey future regulatory ratios.\t190-197 199 206208210\nRisk governance and risk management strategies/business model\t5\tSummarise risk management organisation processes and key functions.\t171-172\n6\tRisk culture and risk appetite.\t179-181\t\n7\tKey risks arising from business models and activities.\t172-173\t\n8\tStress testing.\t176-177 189 207 324\t\nCapital adequacy and risk-weighted assets\t9\tPillar 1 minimal capital requirements.\t188-189 ü\n10\tComposition of capital and reconciliation between accounting and regulatory balance sheet.\t192-193200\t\n11\tRegulatory capital flow statement.\t193-194\t\n12\tCapital planning and management.\t188-189\t\n13\tRisk-weighted assets (RWAs) and business activities.\t197-199\tü\n14\tCapital requirements and RWAs.\t190 325\tü\n15\tCredit risk in the banking book for major portfolios.\t202-203\tü\n16\tRWA flow statements.\t197-199\t\n17\tBack-testing of models.\t321-322\tü\nLiquidity\t18\tLiquid assets and their management.\t205-209\nFunding\t19\tEncumbered assets.\t218-221\n\t20\tContractual maturity of assets liabilities and off-balance sheet commitments\t212 215-217 425 464\n\t21\tFunding strategy including key sources.\t211-215\nMarket risk\t22\tLinkages the balance sheet and market risk portfolios\t315\n\t23\tSignificant trading and non-trading market risk factors.\t318\n\t24\tModel limitations assumptions and validation procedures.\t319-323\n\t25\tStress testing and scenario analysis.\t324\nCredit risk\t26\tCredit risk exposures including linkage to balance sheet.\t264-273 201 ü\n\t27\tPolicies for impaired loans and forbearance.\t237-246\n\t28\tFlow statements for impaired loans and allowance for loan losses.\t294-311\n\t29\tCounterparty credit risk that arises from derivatives transactions.\t236 291-294 406 418-419 ü\n\t30\tCredit risk mitigation.\t232-236 264 ü\nOther risks\t31\tOther risk types.\t184-186 349-359\n\t32\tDiscussion of publicly known risk events.\t173-174 385-386 443-444 466-474\n", "q10k_tbl_479": "Risk and balance sheet management\t\nBalance sheet analysis\t263\nCapital management\t187\nCountry risk\t336\nCredit risk\t222\nLiquidity and funding risk\t204\nMarket risk\t313\nOther risks\t349\nRisk appetite\t178\nRisk governance\t170\n", "q10k_tbl_480": "Exhibit Number\tDescription\n1.1\tMemorandum and Articles of Association of The Royal Bank of Scotland Group plc\n2.1(1)\tForm of Deposit agreement among The Royal Bank of Scotland Group plc The Bank of New York as Depositary and all Owners and Holders from time to time of American Depositary Receipts issued thereunder\n2.2(2)\tForm of American Depositary Receipt for ordinary shares of the par value of £1 each\n2.3(3)\tLetter dated May 12 2008 from The Bank of New York Mellon as Depository to The Royal Bank of Scotland Group plc relating to the Prerelease of American Depository Receipts\n2.4\tNeither The Royal Bank of Scotland Group plc nor The Royal Bank of Scotland plc is party to any single instrument relating to long-term debt pursuant to which a total amount of securities exceeding 10% of the Group's total assets (on a consolidated basis) is authorized to be issued. Each of The Royal Bank of Scotland Group plc and The Royal Bank of Scotland plc hereby agrees to furnish to the Securities and Exchange Commission (the \"Commission\") upon its request a copy of any instrument defining the rights of holders of its long-term debt or the rights of holders of the long-term debt of any of its subsidiaries for which consolidated or unconsolidated financial statements are required to be filed with the Commission.\n4.1\tService agreement for Ross McEwan\n4.2\tService agreement for Nathan Bostock\n4.3\tService agreement for Ewen Stevenson\n4.4(4)\tForm of Deed of Indemnity for Directors\n4.5(5)\tAmendment Agreement dated August 2008 relating to the Consortium and Shareholders' Agreement dated 28 May 2007 among The Royal Bank of Scotland Group plc Banco Santander S.A. Fortis N.V. Fortis SA/NV and by accession Fortis Nederland (Holding) N.V. and RFS Holdings B.V. (as supplemented and amended by a Supplemental Consortium and Shareholders' Agreement dated 17 September 2007)\n4.6(5)\tDeed of Accession dated December 2008 among The Royal Bank of Scotland Group plc Banco Santander S.A. Fortis Bank Nederland (Holding) N.V. The State of the Netherlands and RFS Holdings B.V.\n4.7(6)\tAcquisition and contingent capital agreement dated 26 November 2009 among The Royal Bank of Scotland Group plc and The Commissioners of Her Majesty's Treasury\n4.8(68)\tState Aid Commitment Deed dated 26 November 2009 among The Commissioners of Her Majesty's Treasury and The Royal Bank of Scotland Group plc\n4.9(68)\tState Aid Cost Reimbursement Deed dated 26 November 2009 among The Commissioners of Her Majesty's Treasury and The Royal Bank of Scotland Group plc\n4.10(78)\tAgreement for the Sale and Purchase of RBS Aerospace Limited RBS Aerospace (UK) Limited and RBS Australia Leasing Pty Limited dated January 16 2012 among The Royal Bank of Scotland plc and Sumitomo Mitsui Banking Corporation\n", "q10k_tbl_481": "4.11(8)\tInvestment Agreement dated September 27 2013 among the Royal Bank of Scotland Group plc The Royal Bank of Scotland plc National Westminster Bank plc Williams & Glyn's Limited Lunar Investors LLP Corsair IV-B FSCP AIV II Cayman L.P. Corsair IV FSCP AIV II Cayman L.P. Corsair Rainbow Investors L.P. Centerbridge Capital Partners SBS II (Cayman) L.P. Centerbridge Capital Partners II (Cayman) L.P.\n4.12(8)\tAmendment Agreement in relation to the Investment Agreement dated October 20 2013 among the parties to the Investment Agreement listed above at 4.11\n4.13(8)\tRevised State Aid Commitment Deed dated 9 April 2014 among The Commissioners of Her Majesty's Treasury and The Royal Bank of Scotland Group plc\n4.14(8)\tDividend Access Share Retirement Agreement dated 9 April 2014 among The Commissioners of Her Majesty's Treasury and The Royal Bank of Scotland Group plc\n", "q10k_tbl_482": "7.1\tExplanation of ratio calculations\n8.1\tPrincipal subsidiaries of The Royal Bank of Scotland Group plc\n12.1\tCEO certification required by Rule 13a-14(a)\n12.2\tCFO certification required by Rule 13a-14(a)\n13.1\tCertification required by Rule 13a-14(b)\n15.1\tConsent of independent registered public accounting firm\n", "q10k_tbl_483": "(1)\tPreviously filed and incorporated by reference to Exhibit 1 to the Registration Statement on Form F-6 (Registration No. 333-144756) (filed on 20 July 2007)\n(2)\tPreviously filed and incorporated by reference to the prospectus filed pursuant to Rule 424(b)(3) (filed on 7 June 2012) relating to the Registration Statement on Form F-6 (Registration No. 333-144756) (filed on 20 July 2007)\n(3)\tPreviously filed and incorporated by reference to Exhibit 2.3 to the Group's Annual Report on Form 20-F for the fiscal year ended 31 December 2007 (File No. 1-10306)\n(4)\tPreviously filed and incorporated by reference to Exhibit 4.11 to the Group's Annual Report on Form 20-F for the fiscal year ended 31 December 2006 (file No. 1-10306) except that the sentence \"PROVIDED THAT this Indemnity is given subject to the provisions of Section 309A Company Act 1985\" has been replaced with \"PROVIDED THAT this Indemnity is given subject to the provisions of Section 234 Company Act 2001\".\n(5)\tPreviously filed and incorporated by reference to Exhibit 4.1 4.2 4.8 and 4.9 respectively to the Group's Annual Report on Form 20-F for the fiscal year ended 31 December 2008 (file No. 1-10306)\n(6)\tPreviously filed and incorporated by reference to Exhibit 4.3 4.19 4.24 and 4.25 respectively to the Group's Annual Report on Form 20-F for the fiscal year ended 31 December 2009 (File No. 1-10306)\n(7)\tPreviously filed and incorporated by reference to exhibit 4.32 to the Group's Annual Report on Form 20-F for the fiscal year ended 31 December 2011 (File No. 1-10306).\n(8)\tConfidential treatment has been requested. Confidential materials have been redacted and separately filed with the SEC.\n"}{"bs": "q10k_tbl_106", "is": "q10k_tbl_2", "cf": "q10k_tbl_308"}None
(Name, Telephone, E-mail and/or Facsimile number and Address of Company Contact Person)
Securities registered or to be registered pursuant to Section 12(b) of the Act:
Title of each class
Name of each exchange on which registered
American Depositary Shares, each representing 2 ordinary shares, nominal value £1 per share
Ordinary shares, nominal value £1 per share
New York Stock Exchange
New York Stock Exchange*
American Depositary Shares Series F, H, L, M, N, P, Q, R, S, T and U each representing one Non-Cumulative Dollar Preference Share, Series F, H, L, M, N, P, Q, R, S, T and U respectively
New York Stock Exchange
3.250% Senior Notes due 2014
New York Stock Exchange
3.950% Senior Notes due 2015
New York Stock Exchange
4.875% Senior Notes due 2015
New York Stock Exchange
2.550% Senior Notes due 2015
New York Stock Exchange
4.375% Senior Notes due 2016
New York Stock Exchange
Floating Rate Senior Note due 2017
New York Stock Exchange
1.875% Senior Notes due 2017
New York Stock Exchange
5.625% Senior Notes due 2020
New York Stock Exchange
6.125% Senior Notes due 2021
New York Stock Exchange
6.125% Subordinated Tier 2 Notes due 2022
New York Stock Exchange
6.000% Subordinated Tier 2 Notes due 2023
New York Stock Exchange
6.100% Subordinated Tier 2 Notes due 2023
New York Stock Exchange
Structured HybrId Equity Linked Securities (SHIELDS) due January 16 2014 linked to the S&P 500 Index
NYSE MKT
Leveraged CPI Linked Securities due January 13, 2020
NYSE MKT
RBS US Large Cap TrendpilotTM Exchange Traded Notes due December 7, 2040
NYSE Arca
RBS US Mid Cap TrendpilotTM Exchange Traded Notes due January 25, 2041
NYSE Arca
RBS Gold TrendpilotTM Exchange Traded Notes due February 15, 2041
NYSE Arca
RBS Oil TrendpilotTM Exchange Traded Notes due September 13, 2041
NYSE Arca
RBS Global Big Pharma Exchange Traded Notes due October 25, 2041
NYSE Arca
RBS NASDAQ-100® TrendpilotTM Exchange Traded Notes due December 13, 2041
NYSE Arca
RBS China TrendpilotTM Exchange Traded Notes due April 18, 2042
NYSE Arca
RBS US Large Cap Alternator Exchange Traded NotesTM due September 5, 2042
NYSE Arca
RBS Rogers Enhanced Commodity Index Exchange Traded Notes due October 29, 2042
NYSE Arca
RBS Rogers Enhanced Agriculture Exchange Traded Notes due October 29, 2042
NYSE Arca
RBS Rogers Enhanced Energy Exchange Traded Notes due October 29, 2042
NYSE Arca
RBS Rogers Enhanced Precious Metals Exchange Traded Notes due October 29, 2042
NYSE Arca
RBS Rogers Enhanced Industrial Metals Exchange Traded Notes due October 29, 2042
NYSE Arca
______________________________________
* Not for trading, but only in connection with the registration of American Depositary Shares representing such ordinary shares pursuant to the requirements of the Securities and Exchange Commission.
Securities registered or to be registered pursuant to Section 12(g) of the Act:
None
_______________
Securities for which there is a reporting obligation pursuant to Section 15(d) of the Act:
None
_______________
Indicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of December 31, 2013, the close of the period covered by the annual report:
(Title of each class)
(Number of outstanding shares)
Ordinary shares of £1 each
B Shares
Dividend Access Share
11% cumulative preference shares
5½% cumulative preference shares
Non-cumulative dollar preference shares, Series F, H and L to U
Non-cumulative convertible dollar preference shares, Series 1
Non-cumulative euro preference shares, Series 1 to 3
Non-cumulative convertible sterling preference shares, Series 1
Non-cumulative sterling preference shares, Series 1
6,203,022,294
51,000,000,000
1
500,000
400,000
209,609,154
64,772
2,044,418
14,866
54,442
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
x Yes o No
If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.
o Yes x No
Note – Checking the box above will not relieve any registrant required to file reports pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 from their obligations under those Sections.
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
x Yes o No
Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).
o Yes o No
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of “accelerated filer and large accelerated filer” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer x Accelerated filer o Non-Accelerated filer o
Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing:
o U.S. GAAP
x International Financial Reporting Standards as issued by the International Accounting Standards Board
o Other
If “Other” has been checked in response to the previous question, indicate by check mark which financial statement item the registrant has elected to follow.
o Item 17 o Item 18
If this is an annual report, indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Consolidated statements and other financial information
97, 360-495, 534
Significant changes
107, 488
9
The Offer and Listing
Offer and listing details
532-533
Plan of distribution
Not applicable
Markets
531
Selling shareholders
Not applicable
Dilution
Not applicable
Expenses of the issue
Not applicable
10
Additional Information
Share capital
Not applicable
Memorandum and articles of association
539-547
Material contracts
510-511
Exchange controls
538
Taxation
535-538
Dividends and paying agents
Not applicable
Statement of experts
Not applicable
Documents on display
547
Subsidiary information
Not applicable
11
Quantitative and Qualitative Disclosure
169-359, 398-428, 430-431
about Market Risk
12
Description of Securities other than
512
Equity Securities
Item
Item Caption
Pages
PART II
13
Defaults, Dividend Arrearages and Delinquencies
Not applicable
14
Material Modifications to the Rights of Security
Holders and Use of Proceeds
Not applicable
15
Controls and Procedures
57-60, 94-96, 361
16
[Reserved]
16
A Audit Committee financial expert
55-60
16
B Code of ethics
99
16
C Principal Accountant Fees and services
55-60, 395
16
D Exemptions from the Listing Standards
Not applicable
for Audit Committees
16
E Purchases of Equity Securities by the
Not applicable
Issuer and Affiliated Purchasers
16
F Change in Registrant’s Certifying Accountant
Not applicable
16
G Corporate Governance
48-52
16
H Mine Safety Disclosure
Not applicable
PART III
17
Financial Statements
Not applicable
18
Financial Statements
360-495
19
Exhibits
562
Signature
563
Contents
Strategic Report
2
Presentation of information
3
Forward-looking statements
3
Recent Developments
4
2013 Financial Results
8
Our purpose and values
10
Our business model and strategy
13
RBS at a glance
14
- UK Retail
15
- UK Corporate
16
- Wealth
17
- International Banking
18
- Ulster Bank
19
- US Retail & Commercial
20
- Markets
21
- Non-Core
21
- Business Services
22
Governance at a glance
24
Chairman’s statement
26
Chief Executive’s review
32
Economic and monetary environment
33
Risk overview
35
Sustainability
Detailed information
38
Governance report
104
Business review
169
Risk and balance sheet management
360
Financial statements
496
Additional information
528
Shareholder information
548
Abbreviations and acronyms
549
Glossary of terms
558
Index
561
Important addresses
1
Presentation of information
In this document, and unless specified otherwise, the term ‘company’ or ‘RBSG’ means The Royal Bank of Scotland Group plc, ‘RBS’, ‘RBS Group’ or the ‘Group’ means the company and its subsidiaries, ‘the Royal Bank’ or ‘RBS plc’ means The Royal Bank of Scotland plc and ‘NatWest’ means National Westminster Bank Plc.
The company publishes its financial statements in pounds sterling (‘£’ or ‘sterling’). The abbreviations ‘£m’ and ‘£bn’ represent millions and thousands of millions of pounds sterling, respectively, and references to ‘pence’ represent pence in the United Kingdom (‘UK’). Reference to ‘dollars’ or ‘$’ are to United States of America (‘US’) dollars. The abbreviations ‘$m’ and ‘$bn’ represent millions and thousands of millions of dollars, respectively, and references to ‘cents’ represent cents in the US. The abbreviation ‘€’ represents the ‘euro’, the European single currency, and the abbreviations ‘€m’ and ‘€bn’ represent millions and thousands of millions of euros, respectively.
The geographic analysis in the Business Review, including the average balance sheet and interest rates, changes in net interest income and average interest rates, yields, spreads and margins in this report have generally been compiled on the basis of location of office - UK and overseas – unless indicated otherwise. ‘UK’ in this context includes transactions conducted through the offices in the UK which service international banking transactions.
The results, assets and liabilities of individual business units are classified as trading or non-trading based on their predominant activity. Although this method may result in some non-trading activity being classified as trading, and vice versa, the Group believes that any resulting misclassification is not material.
International Financial Reporting Standards
As required by the Companies Act 2006 and Article 4 of the European Union IAS Regulation, the consolidated financial statements of the Group are prepared in accordance with International Financial Reporting Standards issued by the International Accounting Standards Board (IASB) and interpretations issued by the IFRS Interpretations Committee of the IASB as adopted by the European Union (together ‘IFRS’). They also comply with IFRS as issued by the IASB.
Non-GAAP financial information
The directors manage the Group’s performance by class of business, before certain reconciling items, as is presented in the segmental analysis on pages 478 to 485 (the “managed basis”). Discussion of the Group’s performance focuses on the managed basis as the Group believes that such measures allow a more meaningful analysis of the Group’s financial condition and the results of its operations. These measures are non-GAAP financial measures. A body of generally accepted accounting principles such as IFRS is commonly referred to as ‘GAAP’. A non-GAAP financial measure is defined as one that measures historical or future financial performance, financial position or cash flows but which excludes or includes amounts that would not be so adjusted in the most comparable GAAP measure. Reconciliations of these non-GAAP measures are presented throughout this document or in the segmental analysis on pages 478 to 485. These non-GAAP financial measures are not a substitute for GAAP measures. Furthermore, RBS has divided its operations into “Core” and “Non-Core”. Certain measures disclosed in this document for Core operations and used by RBS management are non-GAAP financial measures as they represent a combination of all reportable segments with the exception of Non-Core. In addition, RBS has further divided parts of the Core business into “Retail & Commercial” consisting of the UK Retail, UK Corporate, Wealth, International Banking, Ulster Bank and US Retail & Commercial divisions. This is a non-GAAP financial measure. Furthermore, RBS has presented certain measures “excluding RBS Capital resolution (RCR)” which are deemed non-GAAP measures. Lastly, the Basel III net stable funding ratio, fully loaded Basel III ratio, liquidity coverage ratio, stressed outflow coverage and further metrics included in the Risk and balance sheet management section of this document represent non-GAAP financial measures given they are metrics that are not yet required to be disclosed by a government, governmental authority or self-regulatory organisation.
2
Forward-looking statements
Certain sections in this document contain ‘forward-looking statements’ as that term is defined in the United States Private Securities Litigation Reform Act of 1995, such as statements that include the words ‘expect’, ‘estimate’, ‘project’, ‘anticipate’, ‘believe’, ‘should’, ‘intend’, ‘plan’, ‘could’, ‘probability’, ‘risk’, ‘Value-at-Risk (VaR)’, ‘target’, ‘goal’, ‘objective’, ‘will’, ‘endeavour’, ‘outlook’, ‘optimistic’, ‘prospects’ and similar expressions or variations on such expressions.
In particular, this document includes forward-looking statements relating, but not limited to: the Group’s restructuring and new strategic plans, divestments, capitalisation, portfolios, net interest margin, capital ratios, liquidity, risk-weighted assets (RWAs), return on equity (ROE), profitability, cost:income ratios, leverage and loan:deposit ratios, funding and risk profile; discretionary coupon and dividend payments; implementation of legislation of ring-fencing and bail-in measures; sustainability targets; litigation, regulatory and governmental investigations; the Group’s future financial performance; the level and extent of future impairments and write-downs; and the Group’s exposure to political risks, including the referendum on Scottish independence, credit rating risk and to various types of market risks, such as interest rate risk, foreign exchange rate risk and commodity and equity price risk. These statements are based on current plans, estimates and projections, and are subject to inherent risks, uncertainties and other factors which could cause actual results to differ materially from the future results expressed or implied by such forward-looking statements. For example, certain market risk disclosures are dependent on choices about key model characteristics and assumptions and are subject to various limitations. By their nature, certain of the market risk disclosures are only estimates and, as a result, actual future gains and losses could differ materially from those that have been estimated.
Other factors that could cause actual results to differ materially from those estimated by the forward-looking statements contained in this document include, but are not limited to: global economic and financial market conditions and other geopolitical risks, and their impact on the financial industry in general and on the Group in particular; the ability to implement strategic plans on a timely basis, or at all, including the simplification of the Group’s structure, the divestment of Citizens Financial Group and the exiting of assets in RBS Capital Resolution as well as the disposal of certain other assets and businesses as announced or required as part of the State Aid restructuring plan; the achievement of capital and costs reduction targets; ineffective management of capital or changes to capital adequacy or liquidity requirements; organisational restructuring in response to legislation and regulation in the
United Kingdom (UK), the European Union (EU) and the United States (US); the implementation of key legislation and regulation including the UK Financial Services (Banking Reform Act) 2013 and the proposed EU Recovery and Resolution Directive; the ability to access sufficient sources of capital, liquidity and funding when required; deteriorations in borrower and counterparty credit quality; litigation, government and regulatory investigations including investigations relating to the setting of LIBOR and other interest rates and foreign exchange trading and rate setting activities; costs or exposures borne by the Group arising out of the origination or sale of mortgages or mortgage-backed securities in the US; the extent of future write-downs and impairment charges caused by depressed asset valuations; the value and effectiveness of any credit protection purchased by the Group; unanticipated turbulence in interest rates, yield curves, foreign currency exchange rates, credit spreads, bond prices, commodity prices, equity prices and basis, volatility and correlation risks; changes in the credit ratings of the Group; changes to the valuation of financial instruments recorded at fair value; competition and consolidation in the banking sector; the ability of the Group to attract or retain senior management or other key employees; regulatory or legal changes (including those requiring any restructuring of the Group’s operations) in the UK, the US and other countries in which the Group operates or a change in UK Government policy; changes to regulatory requirements relating to capital and liquidity; changes to the monetary and interest rate policies of central banks and other governmental and regulatory bodies; changes in UK and foreign laws, regulations, accounting standards and taxes, including changes in regulatory capital regulations and liquidity requirements; impairments of goodwill; pension fund shortfalls; general operational risks; HM Treasury exercising influence over the operations of the Group; reputational risk; the conversion of the B Shares in accordance with their terms; limitations on, or additional requirements imposed on, the Group’s activities as a result of HM Treasury’s investment in the Group; and the success of the Group in managing the risks involved in the foregoing.
The forward-looking statements contained in this document speak only as of the date of this announcement, and the Group does not undertake to update any forward-looking statement to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.
The information, statements and opinions contained in this document do not constitute a public offer under any applicable legislation or an offer to sell or solicitation of any offer to buy any securities or financial instruments or any advice or recommendation with respect to such securities or other financial instruments.
Recent developments
Completion of sale of remaining interest in Direct Line Insurance Group (DLG)
Further to the announcement on 26 February 2014, RBS completed the sale of its remaining interest of 423.2 million ordinary shares in DLG on 27 February 2014 at a price of £2.63 pence per share, raising gross proceeds of £1,113 million.
RBS has now sold all its ordinary shares in DLG except for 4.2 million shares held to satisfy long term incentive plan awards granted by RBS to DLG management.
The sale marks the completion of RBS's EC-mandated disposal of its interest in DLG.
Board change
On 27 February 2014, RBS announced that Philip Scott, a non-executive Director, will step down from the Board by 31 October 2014.
On 7 March 2014, RBS announced the appointment of Morten Friis as a non-executive Director with effect from 10 April 2014.
Also on 7 March 2014, RBS announced that Anthony Di Iorio, a non-executive director, would step down from the Board on 26 March 2014.
On 4 April 2014, RBS announced that Ewen Stevenson had been appointed as an executive director and RBS Chief Financial Officer with effect from 19 May 2014.
Dividend Access Share and revised State Aid terms
The Company announced on 9 April 2014 that it had entered into an agreement ('DAS Retirement Agreement') with Her Majesty's Treasury ('HMT') to provide for the future retirement of the Dividend Access Share ('DAS') subject to the approval by the Company’s independent shareholders. The DAS Retirement Agreement sets out the process for removal of the DAS - a key element of the Government's 2009 capital injection into the Company and the associated European Commission approval of the State Aid package for the bank. Among other benefits, the retirement of the DAS will in future allow the Board of the Company to state more clearly a dividend policy to existing and potential investors.
The DAS was an important factor in the EC's assessment of the State aid RBS received and was part of the basis for its approval of that support in 2009. It was therefore necessary for the proposal for the eventual retirement of the DAS to be notified to the EC by HMT and this was done by HMT.
The EC concluded that the new arrangements for the eventual retirement of the DAS did not constitute new State aid and approved the changes to the Company's restructuring plan in its State Aid Amendment Decision of 9 April 2014. In addition, this decision included two further key commitments made by HMT to the EC as follows:
·
The deadline for the Company’s divestment of the Williams & Glyn business (by initial public offering, whole business sale or tendering procedure for its entire interest) has been extended. In the expected event of divestment by IPO, the Company must carry out this IPO before 31 December 2016 and complete the disposal of its entire interest in the Williams & Glyn business by 31 December 2017.
·
Citizens Financial Group, Inc. (‘Citizens’) will be disposed of by 31 December 2016, with an automatic 12 month extension if market metrics indicate that an IPO or subsequent tranches of disposal cannot be completed in an orderly fashion or at a fair value. On 1 November 2013, RBS announced that it would accelerate the divestment of Citizens with a partial IPO and that it planned to fully divest the business by the end of 2016. The obligation under the State Aid Amendment Decision to dispose of Citizens is therefore in line with the Company’s planned and publicly stated divestment timetable and already reflected in its capital and strategic planning.
The Company has entered into a Revised State Aid Commitment Deed under which it undertakes to do all acts and things necessary to ensure that HMT is able to comply with the revised State aid commitments made by HMT to the EC. HMT's obligations to the EC and the Company's commitments under the Revised State Aid Commitment Deed will remain in effect even if the DAS Retirement Agreement is not approved by independent shareholders.
Tomlinson Report
As discussed in more detail on page 470, in response to the Tomlinson Report, the Bank instructed the law firm Clifford Chance to conduct an independent review of the principal allegation made in the Tomlinson Report. Clifford Chance published its report on 17 April 2014 and concluded that there was no evidence to support the principal allegation. The Group continues to cooperate fully with the ongoing FCA investigation.
Card Protection Plan Limited
As discussed on page 470, the FCA announced on 22 August 2013 that Card Protection Plan Limited (CPP) and 13 banks and credit card issuers, including the Group, had agreed to a compensation scheme in relation to the sale of card and/or identity protection insurance to certain retail customers. The compensation scheme has now been approved by the requisite number of customers and by the High Court of England and Wales. CPP has written to affected policyholders to ask those who believe they have been mis-sold to submit their claims. Claims that have been submitted to date are currently being processed. Save for exceptional cases, all claims must be submitted before 31 August 2014. The Group has made appropriate levels of provision based on its estimate of ultimate exposure.
SME banking market study
As discussed on page 472, the OFT announced its market study on competition in banking for SMEs in England and Wales, Scotland and Northern Ireland on 19 June 2013. Following a consultation on the scope of the market study, the OFT published an update paper on 27 September 2013 setting out its proposed scope. On 11 March 2014, the OFT set out some competition concerns on SME banking but also announced that its successor body, the CMA, would continue the review. On the same day, the CMA indicated that it expected to come to a provisional decision on whether or not to refer SME banking to a more detailed phase 2 investigation by Summer 2014.
Cap on variable remuneration
The fourth EU Capital Requirements Directive (CRD IV), implemented for banks in the UK by the Prudential Regulatory Authority, imposes a 1:1 cap on variable remuneration in relation to salary; however with shareholder approval it is possible to award variable remuneration up to 200% of fixed pay (i.e. a 2:1 cap).
All of our major competitors have indicated that they will seek approval from their shareholders to introduce a 2:1 cap and the Board believes the best commercial solution for RBS would be to have the flexibility on variable compensation which is now emerging as the sector norm. This would also allow RBS to maintain the maximum amount of compensation that could be subject to performance conditions including claw back for conduct issues that may emerge in future.
On 24 April UKFI informed the board that it would vote against any resolution which proposes a 2:1 ratio. In these circumstances, the Board expects that such a resolution would fail and will therefore not be brought to the Annual General Meeting. HM Treasury has commented that it considers an increase to the cap on variable remuneration cannot be justified whilst RBS has yet to complete its restructuring and remains a majority publicly-owned bank, and notes that as a result of its pay policy RBS will remain a ‘back-marker’ in its overall remuneration compared to other banks.
The Board acknowledges that this outcome creates a commercial and prudential risk which it must try to mitigate within the framework of a 1:1 fixed to variable compensation ratio.
Moody's Investors Service
On 13 March 2014, Moody’s closed a second ratings review, first initiated on 12 February 2014 on RBS Group by lowering the credit ratings of RBSG and certain subsidiaries by one notch. The long term ratings of RBSG was lowered to ‘Baa2’ from ‘Baa1’ whilst the long term ratings of RBS plc and National Westminster Bank Plc were lowered to ‘Baa1’ from ‘A3’. Short term ratings were affirmed as unchanged. Post the review, the ratings outlook assigned was negative.
The ratings of Ulster Bank Ltd and Ulster Bank Ireland Ltd’s were impacted by the rating action on the RBS Group. Moody’s lowered its long term and short term ratings of these entities by 1-notch to ‘Baa3’ (long term)/’P-3’ (short term) from ‘Baa2’/’P-2’. A negative outlook was assigned to ratings, in line with the outlook on the RBS Group.
The long term ratings of subsidiaries, RBS Citizens National Association and Citizens Bank of Pennsylvania were not impacted by the rating action on the RBS Group and long term ratings of these entities were affirmed as unchanged by Moody’s. Ratings are on a negative outlook.
Standard & Poor’s
There have been no significant rating actions on RBS Group plc and its subsidiaries by Standard & Poor’s. However, on 23 April 2014 they published a report setting out their views on potential risks for banks and key considerations for rating banks in an independent Scotland.
3
2013 Financial Results
RBS reports a pre-tax loss for 2013 of £8,243 million, including regulatory and redress provisions of £3,844 million, and impairments and other losses of £4,823 million related to the establishment of RBS Capital Resolution (RCR).
Excluding the impact of the creation of RCR, RBS operating profit on a managed basis was £2,520 million, down 15% from 2012:
RBS has, on 27 February 2014, updated on its comprehensive business review, aimed at transforming the bank (see page 10).
4
2013 Financial Results
Third party assets were reduced by £130 billion over the course of 2013, with Markets down £72 billion and Non-Core down £29 billion. In the five years since the end of 2008, the funded balance sheet has been reduced by £487 billion and total assets by £1,191 billion.
The Core Tier 1 ratio was 10.9% at 31 December 2013. On a fully loaded Basel III basis, the Common Equity Tier 1 ratio was 8.6%. The impact of the regulatory and redress provisions booked in Q4 2013 was already reflected in our future capital plan, and RBS continues to target a fully loaded Basel III Common Equity Tier 1 ratio of c.11% by the end of 2015 and 12% or above by the end of 2016.
Continued improvement in credit quality, particularly in the UK Retail and Non- Core portfolios, saw risk elements in lending fall by 4%. Reflecting the increased impairments associated with the creation of RCR, provision coverage increased from 52% at end 2012 to 64% at end 2013.
RBS remains highly liquid, with short-term wholesale funding down £10 billion to £32 billion at the end of 2013, covered more than four times by a £146 billion liquidity portfolio.
Building a bank that is trusted by its customers
RBS has announced a refreshed strategic direction with the ambition of building a bank that earns its customers’ trust by serving them better than any other bank.
RBS will be structured around the needs of its customers, with seven existing operating divisions realigned into three businesses: Personal & Business Banking, Commercial & Private Banking and Corporate & Institutional Banking.
Ulster Bank in Northern Ireland will benefit from a closer integration with our personal, business and commercial banking franchises in Great Britain. We are continuing to explore further opportunities in the Republic of Ireland with a view to being a challenger to the systemic banks.
To position RBS to deliver a sustainable overall return on tangible equity of 12% plus in the long term, we must achieve a significant reduction in costs and complexity.
This simplification is intended to deliver significant improvements to services delivered to our customers while at the same time helping to bring our cost base down from £13.3 billion in 2013 to £8 billion in the medium term (1).
Future performance will be reported against customer and financial measures. Further details are set out on page 12.
Operating results
RBS recorded an operating loss of £8,243 million. On a managed basis RBS recorded an operating profit of £2,520 million excluding the impact of the creation of RCR which reduced income by £333 million and increased impairments by £4,490 million. Including these RCR-related impairment and other losses of £4,823 million(2), RBS recorded an operating loss of £2,303 million on a managed basis.
Total income increased by £1,816 million to £19,757 million primarily reflecting a lower accounting charge in relation to own credit adjustments; with expenses up 9% to £19,568 million. On a managed basis Group income, excluding the RCR impact of £333 million was down 10% to £19,775 million, principally reflecting a £1,161 million reduction in Markets income, with expenses down 4% to £13,313 million.
Retail & Commercial (R&C) operating profit was £2,693 million compared with £4,238 million in 2012. Excluding £1,385 million of impairments and other losses related to the creation of RCR, operating profit was down 4% to £4,078 million, with lower income in UK Corporate and International Banking offsetting improved impairments in Ulster Bank and UK Retail.
Markets operating profit was £620 million compared with £1,509 million in 2012. Excluding £18 million of impairments related to the creation of RCR, operating profit was down 58% to £638 million, reflecting its smaller balance sheet and reduced risk levels.
Non-Core losses were £5,527 million compared with £2,879 million in 2012. Excluding £3,420 million of impairments and other losses related to the creation of RCR, operating loss was down 27% to £2,107 million, with the cost base falling in line with run-off.
Loss attributable to shareholders was £8,995 million, reflecting the charges relating to the creation of RCR and legacy conduct litigation and redress, the write-down of goodwill and other intangible assets and deferred tax assets.
Notes:
(1)
Includes the impact of business exits such as Citizens Financial Group and Williams & Glyn; bank levy; restructuring costs; and, from 2015, the EU resolution fund charge.
(2)
During the year the Group recognised £4,823 million of impairment and other losses related to the establishment of RCR. This comprises impairment losses of £4,490 million (of which £173 million relate to core Ulster Bank assets which were not transferred to RCR but are subject to the same strategy) and £333 million reduction in income reflecting asset valuation adjustments.
5
2013 Financial Results
Delivering our capital plan
To deliver our capital plan RBS has formed the Capital Resolution Group (CRG), which is made up of four pillars: exiting the assets in RCR, delivering the IPOs for both Citizens and Williams & Glyn, and optimising the bank’s group-wide shipping business.
RCR was set up from 1 January 2014 and will manage a pool of £29 billion of assets with particularly high capital intensity or potentially volatile outcomes in stressed environments, aiming to accelerate run-down of these exposures to free up capital for the bank. The revised strategy to run down high risk loans faster led to an increased impairment charge. When originally announced, RCR assets were projected to be £38 billion at the end of 2013, but accelerated disposals and increased impairments have reduced this total to £29 billion. Further details about RCR are set out on page 158.
During the course of 2013 RBS sold two tranches of its remaining shares in Direct Line Insurance Group, realising gross proceeds of £1,137 million. At 31 December 2013, RBS held 28.5% of Direct Line Insurance Group. On 26 February 2014, RBS announced that it had entered into a placing agreement to complete the sale of its residual interest (except for 4.2 million shares held to satisfy long term incentive plan awards granted by RBS to Direct Line Group management). Accordingly, on settlement of the placing, the Group will have completed the disposal as required by the European Commission.
On 27 November 2013, RBS announced the sale of its remaining economic interest in the WorldPay global payments business. A gain on sale of £159 million was recognised in Q4 2013.
On 1 November 2013, RBS announced plans to accelerate the divestment of Citizens, its US banking subsidiary. Preparations for a partial initial public offering (IPO) in 2014 remain on track, and the bank intends to fully divest the business by the end of 2016.
Following the conclusion of a £600 million pre- IPO investment by a consortium of investors led by global financial services specialists Corsair Capital and Centerbridge Partners, and including the Church Commissioners for England and RIT Capital Partners plc, the Williams & Glyn business (formerly known as “Project Rainbow”) has made good progress towards its IPO.
Discussions with the UK Government over the retirement of the Dividend Access Share (DAS) are well advanced. A successful restructuring of the DAS will represent a significant step towards the normalisation of RBS’s capital structure.
On 16 December 2013, RBS cancelled its £8 billion Contingent Capital Facility with HM Treasury.
Legacy conduct issues
As announced in a trading update on 27 January 2014, RBS has provided £1,910 million in Q4 2013 covering claims and conduct-related matters primarily relating to mortgage-backed and other securities litigation. Regulatory and litigation provisions for the full year amounted to £2,394 million.
An additional £465 million provision for Payment Protection Insurance (PPI) redress and related costs was booked in Q4 2013, making a total of £900 million for the full year 2013. Out of a cumulative PPI provision of £3.1 billion, £2.2 billion had been utilised by 31 December 2013. The remaining £0.9 billion provision covers approximately 12 months at current levels of redress and administrative expenses.
A further £500 million provision was made in Q4 2013 for interest rate hedging products redress and administration costs, reflecting higher volumes, higher anticipated redress payments and recalibration of our methodology based on more recent trends. The total charge for the full year was £550 million making a total of £1.25 billion of which £0.2 billion had been utilised by 31 December 2013.
6
2013 Financial Results
Over time, with steady focus and disciplined delivery, the new RBS will emerge. The businesses we operate will be highly effective and relentless in their pursuit of delivering service that makes us number one for customers.
Serving our customers
Investment of £700 million has been committed over the next 3-5 years to build the best retail and commercial bank in the UK. Investment in digital channels continued, with 50% of eligible customers now banking online or on mobile.
Mortgage balance growth was affected in H1 2013 by advisor training, but application volumes recovered during the second half, helped by RBS’s lead in launching the second phase of the Help to Buy scheme. Gross new lending in 2013 was £14.3 billion, up 3% from 2012. This represented an 8% market share, slightly in excess of RBS’s share of mortgage stock.
UK Corporate will implement all the recommendations of the independent review of its lending standards and practices led by Sir Andrew Large.
Support for SME customers during 2013 included pro-active ‘Statements of Appetite’ sent to over 12,000 customers, resulting in more than £5.9 billion of new loan offers.
SME demand for credit has picked up over the course of the year, with new and increased lending sanctioned in 2013, up 6% from the prior year to £9.9 billion. SMEs drew down £6.4 billion of new loans in 2013, up 2% from 2012. However, businesses’ cash generation remained strong, with SME current account balances up 13% from the end of 2012. Many customers increased their loan repayments and reduced overdraft utilisation, which dropped to 37% at the end of 2013 compared with 42% a year earlier.
Among larger businesses, £12.9 billion of new facilities were made available to new and existing clients. RBS also helped UK companies, universities and housing associations to raise £24.7 billion through bond issues in 2013.
RBS repaid all its borrowings from the Bank of England Funding for Lending Scheme (FLS) in 2013 but continues to participate fully in the scheme. In the period since launch to 31 December 2013, RBS allocated more than £4.7 billion of new FLS-related lending to business customers, with discounts targeted at SMEs and mid-sized manufacturers. We intend to remain in the scheme throughout 2014 (subject to no further changes in the scheme rules).
Total net lending flows reported within the scope of the FLS scheme were minus £2,295 million in Q4 2013, with net lending of plus £349 million to households and minus £2,645 million to private sector non-financial corporations, of which minus £671 million was to SMEs.
7
Our purpose and values
We are here to serve our customers. From the end of 2008 we have drastically changed as a business – our balance sheet has reduced by £1,191 billion, our capital ratios strengthened, our conduct and risk management framework overhauled. As a result, we are smaller, safer and stronger with a clearer focus. However, there was a clear need to unite the bank behind a single purpose and common set of values.
Our purpose:
Serve customers well.
Our vision:
We want to be trusted, respected and valued by our customers, shareholders and communities.
Our future is not about us, it is about our customers. We needed to ensure that this ran through the bank – from boardroom to branch. We spent time with colleagues across the bank debating what should be at the core of our ambition to build a bank known for its consistent, high quality customer service. We agreed on a single, simple purpose – to serve customers well. We want to be trusted, respected and valued by our customers, shareholders and communities. To do this we have put a common set of values at the heart of how we do business. Our values are not new, but capture what we do when we are at our best.
Our values:
Serving customers
We exist to serve customers.
We earn their trust by focusing on their needs and delivering excellent service.
Working together
We care for each other and work best as one team.
We bring the best of ourselves to work and support one another to realise our potential.
Doing the right thing
We do the right thing.
We take risk seriously and manage it prudently.
We prize fairness and diversity and exercise judgement with thought and integrity.
Thinking long term
We know we succeed only when our customers and communities succeed.
We do business in an open, direct and sustainable way.
All this comes together in Our Code.
8
Our purpose and values
We have a programme of change in place that embeds a working culture which celebrates challenge when business decisions or behaviours are not in line with our values. We have engaged our employees to stimulate ideas and change that ultimately results in material improvements to the customer experience.
At the beginning of 2013, a personalised letter launching the new purpose and values was signed by the members of our Executive Committee and sent to all of our employees. Employees were invited to engage in an open debate online to discuss the new values – 25,000 joined that conversation.
Regional leadership workshops were designed to build understanding and engagement for more than 3,000 of our leaders. Those leaders then engaged locally to help their people understand how the purpose and values were relevant to their business area. By September, 66% of staff had been involved in a conversation with their leader, and 93% of those have a better understanding of the relevance to their part of the business.
We made fundamental, lasting changes to the way we do business by re-writing our code of conduct and policy framework. Our Code was an important milestone in our focus on the customer and our values. Our Code included a new decision making tool – the YES Check.
It is a simple guide to help employees check whether they are making the right decision in line with our purpose and values. Mapped back to regulatory principles, the YES Check was another important recognition that the decisions we take everyday impact our customers and our communities.
We have continued to professionalise our customer facing staff, committing to accredit them against professional standards by the end of 2014.
We also changed the way we recognise the best behaviours in the bank. We launched Our Values Awards for all our employees and nominations were submitted of examples where people were living the values and serving customers well.
New Leadership Standards were developed to align them directly with our values. These standards support Our Code and provide us with a clear view of what is expected from leaders and is being built into how we recruit, develop and reward them.
We have made progress but we need to continue to have a rigorous focus on how to serve customers well, and work to fully embed our values in everything we do. Our employees believe in the goals of RBS and already 1 in 2 people have seen a change in how their team works.
9
Our business model and strategy
The RBS business model is that of a UK-focused retail and commercial bank. Our market leading customer franchises in the UK serving personal, business and corporate customers in the RBS strategy. Our wholesale banking operations in the corporate and institutional business enhance and complement the proposition to our commercial customers.
Our major source of income in our retail and commercial banking businesses is net interest income. This is the difference between the income we earn from the loans and advances we have made to our personal, corporate and institutional customers and on our surplus funds and the interest we pay on deposits placed with us by our customers and our debt securities we have issued. We also earn fees from financial services and other products we provide to our customers as well as rental income from assets we lease to our customers.
Our Markets business earns income from client driven trading activities particularly Rates, Currencies, Asset-Backed Products and Credit.
Our leading customer franchises serve 24 million customers globally, of which more than 70% are in the UK. We aim to provide them with a comprehensive range of products, delivered through a number of channels, which are increasingly digital.
We do business in competitive markets but we have strong franchises and good growth opportunities, and we aim to target our investment to maximise these opportunities.
Over the period 2009-2013, the RBS strategic approach has focused first and foremost on rebuilding financial resilience:
·
reducing total assets, principally through the run-off of the Non-Core;
·
reducing risk concentrations;
·
reducing dependence on short-term wholesale funding while achieving a deposit-led funding model; and
·
reducing balance sheet leverage.
This emphasis was necessary in order to correct historical weaknesses and to set RBS on a sound footing, but it left us falling short in our ability to build long-term shareholder value on the foundation of serving our customers and meeting more of their financial needs.
In 2013 we have refocused our Markets and International Banking businesses to deliver a targeted wholesale banking proposition to UK corporates and global financial institutions.
Strategic review
On 1 November 2013 RBS announced a full review of its customer-facing businesses, its IT and operations, and its organisational and decision-making structures. As a result of this review, we have announced a refreshed strategic direction with the ambition of building a bank that earns its customers’ trust by serving them better than any other bank.
Business structure
RBS will be structured to deliver this ambition by organising itself around the needs of its customers, so as to combine customer groups with similar needs into business units able to deliver co-ordinated services. The seven existing operating divisions will be realigned into three businesses:
·
Personal & Business Banking will serve UK personal and affluent customers together with small businesses (generally reporting up to £2 million turnover), with more business bankers moving back into branches.
·
Commercial & Private Banking will serve commercial and mid-corporate customers and high net worth individuals, deepening relationships with commercial clients operating overseas through its market leading trade and foreign exchange services, while connecting our private banking brands more effectively to successful business owners and entrepreneurs.
10
Our business model and strategy
Personal &
Business Banking
Commercial &
Private Banking
Corporate & Institutional Banking
CEO
Les Matheson
Alison Rose
Donald Workman
RWAs profile (%)(1)
~35%
~30%
~35%
Operating profit profile (%)(1)
~50%
~30%
~20%
Target RoE(1)
15%+
15%+
~10%(2)
Notes:
(1)
All business targets refer to steady state performance 2018 - 2020.
(2)
7-8% medium-term.
(3)
This table contains forecasts with significant contingencies. Please refer to “Forward Looking Statements” and “Risk Factors”.
Corporate & Institutional Banking will serve our corporate and institutional clients primarily in the UK and Western Europe, as well as those US and Asian multinationals with substantial trade and investment links in the region, with debt financing, risk management and trade services, focusing on core product capabilities that are of most relevance to our clients.
Ulster Bank in Northern Ireland will benefit from a closer integration with our personal, business and commercial franchises in Great Britain, while continuing to operate under the Ulster Bank brand. We are continuing to review our business in the Republic of Ireland with a view to being a challenger to the systemic banks in Ireland.
The reorganised bank will be a UK-focused retail and corporate bank with an international footprint to drive its corporate business. It will be managed as one bank, with one strategy.
Each of the three businesses is built on franchises that have the potential to be the number one bank for their respective customer groups. Each is designed to:
·
Serve customer needs better than the existing operating divisions.
·
Help eliminate duplication of costs in front and back offices.
·
Position RBS to deliver a sustainable overall return on tangible equity of 12% plus in the long term.
A more detailed review of component business lines continues within each business, and further updates will be provided over the course of the year.
Addressing costs and returns
Key to achieving this is a significant reduction in RBS’s costs and complexity. Transforming the bank to deliver this involves rationalising and simplifying systems, based on a target architecture with improved resilience.
Examples of these measures include:
·
The number of technology platforms we use will be reduced by over 50%.
·
We will move from 50 core banking systems to around 10.
·
From 80 payment systems currently maintained we will move to approximately 10.
·
Our property portfolio will be reduced from 25 million square feet to 18 million square feet, including significant reductions in central London.
·
We will maintain a similar level of investment spending but directed at customer facing process improvements, instead of maintaining inefficient legacy infrastructure.
This simplification is intended to deliver significant improvements to services delivered to our customers but at the same time serves as the cornerstone of a programme designed to bring our cost base down from £13.3 billion in 2013 to £8 billion in the medium term, including the impact of business exits such as Citizens Financial Group and Williams & Glyn, the bank levy, restructuring costs and, from 2015, the EU resolution fund charge. This plan will take RBS towards a cost:income ratio of around 55%, moving towards 50% in the longer term. Bringing our cost base back into alignment with the reduced scale of our business underpins our potential to deliver improved returns in future years.
The costs to achieve this plan will total approximately £5 billion over 2014 to 2017; of this approximately £1 billion has already been committed to previous plans related primarily to Citizens, Williams & Glyn and the previous restructuring announced for Markets. Approximately £0.6 billion relates to the costs of achieving asset reductions and realisations in Markets as we reshape this business over the next three to five years.
11
Our business model and strategy
Measure
2013
Medium term
Long term
Customer
Service(1)
<25% of businesses at #1
All businesses at #1
Trust
#1 trusted bank in the UK
People
Great place to work
Engagement index ≥ Global Financial Services norm (2)
Efficiency
Cost:income ratio
73%(3)
~55%(3)
~50%(3)
Costs
£13.3 billion
~£8 billion(3)
Returns
Return on tangible equity(4)
Negative
~9-11%
12%+
Capital strength
Common Equity Tier 1 ratio(5)
8.6%
≥12%
≥12%
Leverage ratio(5)
3.5%
3.5-4%
≥4%
Notes:
(1)
Measured by Net Promoter Score, with the exception of Corporate & Institutional Banking, which will use customer satisfaction. NPS nets the percentage of “promoters” (loyal enthusiasts of the company) and the percentage of “detractors” (unhappy customers) to give a measure of customer advocacy.
(2)
Global Financial Services norm currently stands at 82%.
(3)
Including bank levy, restructuring charges and, from 2015, the EU resolution fund charge.
(4)
Calculated with tangible equity based on CET1 ratio of 12%.
(5)
Fully loaded Basel III.
(6)
This table contains forecasts with significant contingencies. Please refer to “Forward Looking Statements” and “Risk Factors”.
Delivery of 2009-2013 Strategic Plan
In 2009 RBS set out a five year strategic plan aimed at restoring RBS to standalone strength.
The plan was built on four business objectives:
·
To base RBS on enduring customer franchises, with each business capable of generating a sustainable return in excess of its cost of capital
·
To deliver the RBS strategy from a stable risk profile and balance sheet, with each banking business self-funding (100% loan:deposit ratio)
·
To deliver an attractive blend of profitability, stability and sustainable growth from the chosen business mix
Management hallmarks to include an open, investor-friendly approach; discipline and proven execution effectiveness; strong risk management; and central focus on serving our customers well.
We set out key measures and have consistently reported on our progress against these over the course of the five year plan. Progress against the risk measures has been strong, with all targets exceeded, in some cases by very large margins. Progress against value drivers, however, has not lived up to our expectations at the time the plan was established, with deterioration in both return on equity and cost:income ratio.
12
RBS at a glance
“We must become a company that knows what it means to obsess about our customers. This is a fundamental challenge that will involve the whole organisation.”
RBS is rooted in the UK, serving personal, business and institutional customers in the UK and many other countries. Our businesses are strong players in the markets in which we choose to compete. The businesses are stronger together than apart, to the benefit of customers and shareholders.
RBS is now safer and the day when we will be able to offer shareholders a decent return is closer. But making RBS a really good bank demands more. That is why we are still investing more effort in all of our businesses to serve customers well.
13
RBS at a glance
UK Retail
Customer story
Mobile nation
With over one billion logins since its launch, the RBS mobile banking app helps customers access their money while on the move.
Over £30 million transferred every day
At the swipe of a smartphone customers can check their balance, move money, view their transaction history, pay a contact or even take cash out without a debit card. With over £30 million transferred every day, it’s actually the bank’s busiest branch: over a 30 day period, we had around 78 million logins which is equal to each customer visiting a physical branch around 30 times a month.
By contrast, people tend to visit an actual branch less than once a month.
Performance highlights
2013
2012
Return on equity (%)
26.3
24.4
Cost:income ratio (%)
54
51
Loan:deposit ratio (%)
97
97
Risk-weighted assets (£bn)
43.9
44.8
We offer a comprehensive range of banking products and related financial services to the personal market. We serve customers through the RBS and NatWest networks of branches and ATMs, and also through telephone and digital channels.
Performance overview
·
Operating profit increased 3% from £1,891 million to £1,943 million, driven by a decline in impairment losses.
·
Mortgage balance growth was affected in H1 2013 by advisor training but recovered during H2 2013.
·
Customer deposits increased by 7%, above UK market average.
·
Net interest margin held steady, despite tightening margins on new mortgages. Lower income was earned on current account balances, but savings margins improved.
Building a better bank that serves customers well
In March 2013 UK Retail announced its strategy to become a simpler and more customer focused business. Investment of £700 million over the next 3-5 years has been committed to build the best retail bank in the UK. Investment in digital channels continued, with half of all eligible customers now banking online or on mobile. Although branch counter transactions have fallen 30% since 2010 a programme to refurbish our branches has begun.
14
RBS at a glance
UK Corporate
Chris Sullivan
Chief Executive
Customer story
Stormy weather
The UK suffered from terrible weather at the end of 2013, which caused serious damage and destruction. Adverse weather can have a dramatic effect on a business – loss of property and stock, failing systems, supply chain failures and halted trading – pushing them into financial difficulty, impacting employees and local communities. To help ease the pressure for businesses who have been directly or indirectly affected, we launched a £250 million UK Storm Business Fund. Interest-free loans can be provided for three months to viable and eligible businesses, whether or not they are existing customers (maximum of £250k per loan). Short-term, interest-free financing can be provided to cover, for example, cost of repairs and replacement stock while businesses wait for insurance claims to be paid.
Performance highlights
2013
2012
Return on equity (%)
7.9
14.5
Cost:income ratio (%)
50
44
Loan:deposit ratio (%)
80
82
Risk-weighted assets (£bn)
86.1
86.3
We are a leading provider of banking, finance and risk management services to the corporate and SME (small and medium-sized enterprise) sector in the United Kingdom. We offer a full range of banking products and related financial services.
Performance overview
·
Operating profit was down 41% at £1,060 million. Excluding £410 million impairments related to the creation of RCR, operating profit was down 18%.
·
Impairments included an additional £410 million related to the creation of RCR. Excluding this, impairments were 7% lower than in 2012.
·
Excluding the impact of increased impairment losses related to the creation of RCR, return on equity was 11%.
·
Net interest income fell in a lower interest rate environment.
·
Continued run-off of property and shipping outweighed growth in other sectors, leaving loan balances down 5%.
Building a better bank that serves customers well
To reinforce its commitment to supporting the UK economy, RBS appointed Sir Andrew Large to lead an independent review of its lending standards and practices. UK Corporate has undertaken to implement all the Independent Lending Review’s recommendations and is adopting a revised strategy to accomplish this. Support for SME customers included proactive “Statements of Appetite” sent to over 12,000 customers, resulting in approximately £6 billion of new loan offers.
15
RBS at a glance
Wealth
Rory Tapner
Chief Executive
Customer story
Network connection
Every entrepreneur knows the power of networking to build connections and contacts. Taking that network to the next level takes time and effort, things which are often in short supply.
Coutts were able to bring the right people to the table
However, Coutts’ focus on adding value to every relationship can also help bring the right people together. When one client was looking to diversify into renewables and food security in the Middle East, Coutts were able to bring the right people to the table, providing a catalyst for the client’s growth opportunities and showing the value of our inter-connected world.
Performance highlights
2013
2012
Return on equity (%)
12.0
13.1
Cost:income ratio (%)
77
75
Loan:deposit ratio (%)
45
44
Risk-weighted assets (£bn)
12.0
12.3
We provide private banking and investment services in the UK through Coutts & Co and Adam & Company; offshore banking through RBS International, NatWest Offshore and Isle of Man Bank; and international private banking through Coutts & Co Ltd.
Performance overview
·
Operating profit was 9% lower at £221 million.
·
Income was 7% lower, with net interest income declining over the year, reflecting tighter deposit spreads. Deposit margins improved in the fourth quarter following a repricing initiative.
·
Assets under management rose 3%, but total client assets and liabilities managed by the division declined by 2% following the repricing initiative.
·
Expenses were 4% lower, partly reflecting reduced headcount and tight discretionary cost management.
Building a better bank that serves customers well
2013 saw a major shake-up of the UK financial advice landscape with the implementation of the Retail Distribution Review. Clients welcomed Coutts’ new fully compliant advice led model, where advisers must achieve the more stringent Level 6 rating, in excess of the Level 4 minimum required by the Financial Conduct Authority. Work continued to streamline client-facing processes and drive increased technology benefits.
16
RBS at a glance
International Banking
John Owen
Chief Executive
Customer story
Straight ahead
TomTom’s navigation and location systems are used by customers in over 35 countries. To comply with finance regulations, they had to implement a standard format for payments across the Single Euro Payments Area.
Used by customers in over 35 countries
They also wanted to use this as an opportunity to make payments more efficient and reduce risk. They worked closely with RBS to make a number of changes to their internal processes and thanks to meticulous planning and communication, the changes were successful. TomTom now has one, single payment process for suppliers across the world.
Performance highlights
2013
2012
Return on equity (%)
3.9
9.1
Cost:income ratio (%)
73
66
Loan:deposit ratio (%)
91
91
Risk-weighted assets (£bn)
49.0
51.9
We offer a core banking proposition to multinational corporates and financial institutions by providing debt financing, risk management and transaction services. We work with clients to find the best product mix to execute their strategy.
Performance overview
·
Operating profit decreased by 53% to £279 million, with cash management income depressed by the decline in LIBOR interest rates. Excluding impairments of £52 million related to the creation of RCR, operating profit was down 44%.
·
Expenses were reduced by 5%, as International Banking kept costs under tight control and achieved timely run-off of discontinued businesses.
·
Customer deposits declined by 15% in line with a change in Group funding strategy.
Building a better bank that serves customers well
With business conditions still challenging as themes of low interest rates and margin compression continue, International Banking remained focused on cost discipline throughout 2013. The division continued to strengthen its balance sheet, reducing risk-weighted assets by 6%, despite the introduction of more severe credit risk models. RBS received a number of awards for trade finance and cash management services.
17
RBS at a glance
Ulster Bank
Jim Brown
Chief Executive
Customer story
Home run
Demand for affordable housing is extremely high across the UK and Apex, one of Northern Ireland’s largest housing associations, is working hard to help meet this need. Apex employs 570 people and has over 4,000 units under management, including general needs housing, supported housing, sheltered housing and registered care.
1,000 brand-new social and affordable homes
A £10 million loan from Ulster Bank will help Apex deliver around 1,000 brand new social and affordable homes, creating much-needed new homes as well as hundreds of construction jobs.
Performance highlights
2013
2012
Return on equity (%)
(32.4)
(21.8)
Cost:income ratio (%)
64
62
Loan:deposit ratio (%)
120
130
Risk-weighted assets (£bn)
30.7
36.1
We are a leading retail and commercial bank in Northern Ireland and the Republic of Ireland. We provide a comprehensive range of financial services through our Retail Markets and Corporate Markets divisions.
Performance overview
·
Operating loss for 2013 was £1,457 million, including increased impairment losses of £892 million relating to the creation of RCR. Excluding the impact of the creation of RCR, operating loss improved by £494 million or 48%.
·
Impairment losses improved significantly, excluding the RCR impact, with a 64% reduction in losses in the mortgage portfolio.
·
Retail and SME deposit balances increased by 2%, offset by a reduction in wholesale customer balances, resulting in a 2% decline in total deposit balances.
Building a better bank that serves customers well
The creation of RCR will expedite the resolution of underperforming, capital intensive assets and allow Ulster Bank to focus on building a stronger core business for the future. Ulster Bank is committed to supporting the Irish economic recovery and £1.7 billion of funding has been made available to support new lending in 2014, £1 billion for business customers and £700 million for personal customers.
18
RBS at a glance
US Retail & Commercial
Bruce Van Saun
Chief Executive, RBS Citizens and
Head of RBS Americas
Customer story
System success
The system helped create a much better customer experience. Cheques and documents can now be scanned at the teller window, with transactions being balanced there and then in front of the customer. That means fewer errors and corrections as well as helping to reduce fraud.
Helped create a much better customer experience
BIC supports our goal of becoming our customers’ primary banking partner through greater convenience, more privacy and fewer errors. Now we have a truly functional tool that delivers efficiency and security for our customers.
Performance highlights
2013
2012
Return on equity (%)
7.2
8.9
Cost:income ratio (%)
73
71
Loan:deposit ratio (%)
91
86
Risk-weighted assets (£bn)
56.1
56.5
We provide financial services primarily in the Northeastern, Mid-Atlantic and Midwest United States through the Citizens Bank, Charter One and RBS Citizens brands. We are engaged in retail and corporate banking activities.
Performance overview
·
Operating profit of $1,012 million was down 15%, with low short-term interest rates continuing to limit net interest margin expansion while rising long-term rates slowed mortgage refinance volumes.
·
Average loans and advances were flat, with commercial loan growth of 5% partly offset by run-off of long-term fixed rate consumer products.
·
Impairment losses increased by $99 million to $244 million.
Building a better bank that serves customers well
On 1 November 2013 RBS announced plans to accelerate the initial public offering of RBS Citizens Financial Group (RBSCFG) into the second half of 2014. It is expected that by the end of 2016 RBSCFG will be a standalone regional bank, wholly owned by public shareholders. RBSCFG commenced a number of actions in 2013 aimed at improving financial performance, driving profitable growth by focusing on the customer and delivering a differentiated experience.
19
RBS at a glance
Markets
Peter Neilson Co-CEO
Suneel Kamlani Co-CEO
Customer story
Weighing anchor
Peel Ports Group, one of the UK’s biggest port operators, handles over 65 million tonnes of cargo a year. An RBS backed refinancing programme has enabled the development of Liverpool2, the new deep sea container terminal in the Port of Liverpool, costing in excess of £300 million.
The benefit of this investment is hugely positive.
As one of their most important sites, this investment in growth will assist the UK’s shipping industry to remain globally competitive as well as acting as a catalyst for future development. It’s believed Liverpool2 will help create around 5,000 jobs in Merseyside, including additional apprenticeships – a great boost for the local economy.
Performance highlights
2013
2012
Return on equity (%)
5.0
9.6
Cost:income ratio (%)
79
66
Risk-weighted assets (£bn)
64.5
101.3
We provide financing, risk management and advisory services to RBS corporate and institutional clients.
Performance overview
·
Operating profit fell by £889 million, 59% to £620 million with income falling by 26%, partly offset by significant cost reductions. The de-risking of Markets resulted in a 36% reduction in risk-weighted assets.
·
Currencies income increased but returns from the Rates business were subdued.
·
Costs fell by 11%, reflecting a reduction in headcount of 1,000 evenly split between front and back office – and tightly controlled discretionary expenses.
·
Third party assets were reduced by £72 billion (down 25%) and risk-weighted assets by £37 billion (down 36%).
Building a better bank that serves customers well
In 2013, Markets launched and executed a strategy aimed at reducing risk, tightening controls, consolidating the geographic footprint and reducing complexity by refocusing on the franchise’s core strengths. The division met or exceeded all internal targets for reducing controllable costs, risk-weighted assets and the balance sheet, while meeting revenue and income expectations. Lower income in 2013 compared with 2012 reflected both the strategic scaling back of the balance sheet and risk reduction in a difficult market environment with client activity limited by uncertainty over monetary policy in the US.
20
RBS at a glance
Non-Core
Rory Cullinan
Chief Executive
Established in 2009 as the principal vehicle of risk reduction. At inception it had £258 billion of Third party assets and £171 billion of risk weighted assets. Non-Core reduced these assets in a capital efficient manner and at a pace the bank could afford.
Performance overview
·
Third party assets declined by £29 billion, or 51% reflecting run-off, disposals and impairments.
·
Risk-weighted assets were down £31 billion, driven by disposals and run-off.
·
Operating loss of £5,527 million was £2,648 million higher than in 2012, predominantly due to £3,118 million of 2013 impairments related to the creation of RCR.