RBS 2011 Annual Report Download - page 53
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RBS Group 2011 51
Analysis of change in net interest income - volume and rate analysis
Volume and rate variances have been calculated based on movements in average balances over the period and changes in interest rates on average
interest-earning assets and average interest-bearing liabilities. Changes due to a combination of volume and rate are allocated pro rata to volume and
rate movements.
2011 over 2010 - managed 2011 over 2010 - statutory
Increase/(decrease) due to changes in: Increase/(decrease) due to changes in:
Average
volume
Average
rate
Net
change
Average
volume
Average
rate
Net
change
£m £m £m £m £m £m
Interest-earning assets
Loans and advances to banks
UK 87 (17) 70
87 (17) 70
Overseas 124 (89) 35
124 (89) 35
Loans and advances to customers
UK (645) 846 201
(645) 846 201
Overseas (863) (202) (1,065) (837) (199) (1,036)
Debt securities
UK (98) 85 (13) (98) 85 (13)
Overseas (83) (413) (496) (133) (409) (542)
Total interest receivable of the banking business
UK (656) 914 258
(656) 914 258
Overseas (822) (704) (1,526) (846) (697) (1,543)
(1,478) 210 (1,268) (1,502) 217 (1,285)
Interest-bearing liabilities
Deposits by banks
UK 66 26 92
66 26 92
Overseas 201 60 261
197 62 259
Customer accounts: demand deposits
UK 45 (88) (43) 45 (88) (43)
Overseas (57) 183 126
(58) 182 124
Customer accounts: savings deposits
UK (125) (117) (242) (125) (117) (242)
Overseas 3 80 83
3 80 83
Customer accounts: other time deposits
UK (15) (35) (50) (15) (35) (50)
Overseas 196 122 318
197 123 320
Debt securities in issue
UK 73 (642) (569) 73 (642) (569)
Overseas 502 (202) 300
502 (202) 300
Subordinated liabilities
UK 63 8 71
63 8 71
Overseas 92 (29) 63
92 (29) 63
Internal funding of trading business
UK (4) (285) (289) (4) (285) (289)
Overseas 10 (11) (1) 10 (11) (1)
Total interest payable of the banking business
UK 103 (1,133) (1,030) 103 (1,133) (1,030)
Overseas 947 203 1,150
943 205 1,148
1,050 (930) 120
1,046 (928) 118
Movement in net interest income
UK (553) (219) (772) (553) (219) (772)
Overseas 125 (501) (376) 97 (492) (395)
(428) (720) (1,148) (456) (711) (1,167)