Summary consolidated balance sheet as at 31 December 2016 31 December 30 September 31 December 2016 2016 2015 £m £m £m Cash and balances at central banks 74,250 69,254 79,404 Net loans and advances to banks (1) 17,278 19,741 18,361 Net loans and advances to customers (1) 323,023 326,736 306,334 Reverse repurchase agreements and stock borrowing 41,787 45,955 39,843 Debt securities and equity shares 73,225 80,512 83,458 Assets of disposal groups (2) 13 13 3,486 Other assets 22,099 27,118 22,008 Funded assets 551,675 569,329 552,894 Derivatives 246,981 283,049 262,514 Total assets 798,656 852,378 815,408 Bank deposits (3) 33,317 32,172 28,030 Customer deposits (3) 353,872 358,844 343,186 Repurchase agreements and stock lending 32,335 36,408 37,378 Debt securities in issue 27,245 28,357 31,150 Subordinated liabilities 19,419 19,162 19,847 Derivatives 236,475 275,364 254,705 Provisions for liabilities and charges 12,836 9,021 7,366 Liabilities of disposal groups (2) 15 15 2,980 Other liabilities 33,738 38,707 36,619 Total liabilities 749,252 798,050 761,261 Non-controlling interests 795 853 716 Owners’ equity 48,609 53,475 53,431 Total liabilities and equity 798,656 852,378 815,408 Contingent liabilities and commitments 150,691 151,394 153,752 Notes: (1) Excludes reverse repurchase agreements and stock borrowing. (2) Primarily consists of international private banking business at 31 December 2015. (3) Excludes repurchase agreements and stock lending. 20 RBS – Annual results 2016