RBS 2012 Annual Report Download - page 58

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Business review continued
Analysis of change in net interest income - volume and rate analysis continued
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 91 (22) 69
Overseas 124 (89)35 124 (89)35
Loans and advances to customers
UK (645)846 201 (626)863 237
Overseas (863) (202) (1,065) (844)(193)(1,037)
Debt securities
UK (98)85 (13) (108) 110 2
Overseas (83)(413)(496) (135)(406)(541)
Total interest receivable of the banking business
UK (656)914 258 (643)951 308
Overseas (822) (704)(1,526) (855)(688)(1,543)
(1,478) 210 (1,268) (1,498)263 (1,235)
Interest-bearing liabilities
Deposits by banks
UK 66 26 92 67 25 92
Overseas 201 60 261 197 62 259
Customer accounts: demand deposits
UK 45 (88)(43) 47 (89)(42)
Overseas (57)183 126 (58)182 124
Customer accounts: savings deposits
UK (125) (117)(242) (126) (116)(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) 72 (641) (569)
Overseas 502 (202) 300 503 (203)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) 104 (1,133)(1,029)
Overseas 947 203 1,150 944 204 1,148
1,050 (930) 120 1,048 (929)119
Movement in net interest income
UK (553) (219)(772) (539)(182) (721)
Overseas 125 (501) (376) 89 (484)(395)
(428)(720) (1,148) (450) (666)(1,116)