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RBS group Facts & Figures

Financial and balance sheet highlights, key ratios, capital ratio and other performance information.

 Year ended   Quarter ended
31 Dec.
31 Dec.
31 Dec.
30 Sept.
31 Dec.
2009 
2008 
2009 
2009 
2008 
£m 
£m 
£m 
£m 
£m 
Core
Total income (1)
31,726 
23,631 
7,432 
7,040 
2,293 
Operating expenses (2)
(14,954)
(13,505)
(3,788)
(3,669)
(2,968)
Insurance net claims
(3,769)
(3,217)
(1,173)
(1,019)
(864)
Operating profit/(loss) before impairment
13,003 
6,909 
2,471 
2,352 
(1,539)
losses (3)
Impairment losses
(4,678)
(2,496)
(1,288)
(1,213)
(1,312)
Operating profit/(loss) (3)
8,325 
4,413 
1,183 
1,139 
(2,851)
Non-Core
Total income (1)
(2,301)
(3,032)
108 
54 
(1,930)
Operating expenses (2)
(2,447)
(2,683)
(685)
(526)
(767)
Insurance net claims
(588)
(700)
(148)
(126)
(192)
Operating loss before impairment losses (3)
(5,336)
(6,415)
(725)
(598)
(2,889)
Impairment losses
(9,221)
(4,936)
(1,811)
(2,066)
(3,361)
Operating loss (3)
(14,557)
(11,351)
(2,536)
(2,664)
(6,250)
Total*
Total income (1)
29,425 
20,599 
7,540 
7,094 
363 
Operating expenses (2)
(17,401)
(16,188)
(4,473)
(4,195)
(3,735)
Insurance net claims
(4,357)
(3,917)
(1,321)
(1,145)
(1,056)
Operating profit/(loss) before impairment
1,746 
1,754 
(4,428)
losses (3)
7,667 
494 
Impairment losses
(13,899)
(7,432)
(3,099)
(3,279)
(4,673)
Operating loss (3)
(6,232)
(6,938)
(1,353)
(1,525)
(9,101)
Integration and restructuring costs
(1,286)
(1,357)
(228)
(324)
(752)
Gain on redemption of own debt
3,790 
- 
- 
- 
- 
Gains on pensions curtailment
2,148 
- 
2,148 
- 
- 
Other
(348)
(1)
(433)
(228)
380 
Operating (loss)/profit before tax (4)
(1,928)
(8,296)
134 
(2,077)
(9,473)
* Includes fair value of own debt impact
(142)
1,232 
270 
(483)
(861)
Year ended   Quarter ended
31 Dec.
31 Dec.
31 Dec.
30 September
31 Dec.
2009 
2008 
2009 
2009 
2008 
Performance ratios
Core
- Net interest margin
2.12%
2.45%
2.06%
2.10%
2.34%
- Cost:income ratio (6)
47.1%
57.1%
51.0%
52.1%
129.4%
- Adjusted cost:income ratio (7)
53.5%
66.2%
60.5%
60.9%
207.7%
Non-Core
- Net interest margin
0.69%
0.87%
1.17%
0.55%
1.36%
- Cost:income ratio (6)
(106.3%)
(88.5%)
634.3%
974.1%
(39.7%)
- Adjusted cost:income ratio (7)
(84.7%)
(71.9%)
(1,712.5%)
(730.6%)
(36.2%)
Group
- Net interest margin
1.76%
2.08%
1.83%
1.75%
2.11%
- Cost:income ratio (6)
59.1%
78.6%
59.3%
59.1%
- 
- Adjusted cost:income ratio (7)
69.4%
97.0%
71.9%
70.5%
- 
Continuing operations:
Basic loss per ordinary and B share (10)
(6.3p)
(146.2p)
(1.2p)
(3.2p)
(100.5p)
31 Dec.
30 Sept.
 
31 Dec. 
 
2009 
2009 
Change
2008 
Change
Capital and balance sheet
Total assets
£1,522.5bn
£1,680.3bn
(9.4%)
£2,218.7bn
(31.4%)
Funded balance sheet (11)
£1,084.3bn
£1,127.8bn
(3.9%)
£1,227.2bn
(11.6%)
Loan:deposit ratio (Core - net of provisions)
104%
108%
(400bp)
118%
(1,400bp)
Loan:deposit ratio (Non-Core - net of
1121%
937%
18,400bp
683%
43,800bp
provisions)
Loan:deposit ratio (Group - net of provisions)
135%
139%
(400bp)
151%
(1,600bp)
Risk-weighted assets - Gross
£565.8bn 
£594.7bn
(5%)
£577.8bn
(2%)
Benefit of APS
(£127.6bn)
- 
- 
- 
- 
Risk-weighted assets
£429.9bn 
£594.7bn
(28%)
£577.8bn
(26%)
Total equity
£80.0bn 
£58.9bn
35.8% 
£64.3bn
24.4% 
Core Tier 1 ratio
11.00%
5.50%
550bp
5.90%
510bp
Tier 1 ratio
14.40%
8.00%
640bp
9.90%
450bp
Tier 1 leverage ratio (12)
17.0x
23.4x
(27%)
21.2x
(20%)
Tangible equity leverage ratio (13)
5.20%
3.00%
220bp
2.40%
280bp
Net tangible equity per share
51.3p
59.4p
(14%)
73.8p
(31%)