RBS 2013 Annual Report Download - page 123
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Business review
121
2012 over 2011 - managed 2012 over 2011 - statutory
Increase/(decrease) due to changes in: Increase/(decrease) due to changes in:
Average Average Net Average Average Net
volume rate change volume rate change
£m £m £m £m £m £m
Interest-earning assets
Loans and advances to banks
UK 33 (62) (29) 33 (62) (29)
Overseas (13) (145) (158) (13) (145) (158)
Loans and advances to customers
UK (633) (14) (647) (633) (14) (647)
Overseas (663) (339) (1,002) (653) (342) (995)
Debt securities
UK (105) (135) (240) (105) (135) (240)
Overseas (377) (60) (437) (377) (60) (437)
Total interest receivable of the banking business
UK (705) (211) (916) (705) (211) (916)
Overseas (1,053) (544) (1,597) (1,043) (547) (1,590)
(1,758) (755) (2,513) (1,748) (758) (2,506)
Interest-bearing liabilities
Deposits by banks
UK (14) 60 46 (14) 60 46
Overseas 486 (135) 351 505 (169) 336
Customer accounts: demand deposits
UK (50) 73 23 (50) 73 23
Overseas 79 194 273 79 194 273
Customer accounts: savings deposits
UK (134) (168) (302) (134) (168) (302)
Overseas (9) 6 (3) (9) 6 (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 1,286 (362) 924 1,286 (362) 924
Overseas 318 105 423 318 105 423
Subordinated liabilities
UK 33 (114) (81) 33 (114) (81)
Overseas 11 (11) — 11 (11) —
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 1,271 (817) 454 1,271 (817) 454
Overseas 1,055 101 1,156 1,082 62 1,144
2,326 (716) 1,610 2,353 (755) 1,598
Movement in net interest income
UK 566 (1,028) (462) 566 (1,028) (462)
Overseas 2 (443) (441) 39 (485) (446)
568 (1,471) (903) 605 (1,513) (908)