RBS 2012 Annual Report Download - page 57
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RBS GROUP 2012
55
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.
2012 over 2011 - managed 2012 over 2011 - 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 38 (68)(30) 32 (61) (29)
Overseas (13)(145)(158) (13)(145)(158)
Loans and advances to customers
UK (665)— (665) (677)30 (647)
Overseas (671) (332) (1,003) (653)(342) (995)
Debt securities
UK (124)(161) (285) (104)(136)(240)
Overseas (382) (57)(439) (376)(61) (437)
Total interest receivable of the banking business
UK (751) (229)(980) (749)(167)(916)
Overseas (1,066)(534)(1,600) (1,042) (548)(1,590)
(1,817)(763)(2,580) (1,791) (715)(2,506)
Interest-bearing liabilities
Deposits by banks
UK (14)61 47 (14)60 46
Overseas 486 (135)351 505 (169)336
Customer accounts: demand deposits
UK (49)70 21 (48)71 23
Overseas 78 195 273 78 195 273
Customer accounts: savings deposits
UK (133)(169)(302) (133)(169)(302)
Overseas (8)5 (3) (8)5 (3)
Customer accounts: other time deposits
UK 51 (92) (41) 51 (92) (41)
Overseas 157 (70) 87 165 (75)90
Debt securities in issue
UK 1,292 (371) 921 1,287 (363)924
Overseas 318 105 423 318 105 423
Subordinated liabilities
UK 24 (132) (108) 33 (114)(81)
Overseas 10 (10) — 10 (10) —
Internal funding of trading business
UK 99 (214) (115) 99 (214) (115)
Overseas 13 12 25 13 12 25
Total interest payable of the banking business
UK 1,270 (847)423 1,275 (821) 454
Overseas 1,054 102 1,156 1,081 63 1,144
2,324 (745)1,579 2,356 (758)1,598
Movement in net interest income
UK 519 (1,076)(557) 526 (988)(462)
Overseas (12) (432) (444) 39 (485)(446)
507 (1,508)(1,001) 565 (1,473)(908)