1 Net interest income
|
|
|
2017 |
|
2016 |
|
2015 |
|
|
|
£m |
|
£m |
|
£m |
|
Loans and advances to customers |
|
5,866 |
|
5,282 |
|
5,132 |
|
Loans and advances to banks |
|
393 |
|
496 |
|
649 |
|
Debt securities |
|
12 |
|
6 |
|
11 |
|
|
|
|
|
|
|
|
|
Interest receivable (1) |
|
6,271 |
|
5,784 |
|
5,792 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Customer accounts: demand deposits |
|
123 |
|
266 |
|
405 |
|
Customer accounts: savings deposits |
|
217 |
|
226 |
|
272 |
|
Customer accounts: other time deposits |
|
78 |
|
196 |
|
278 |
|
Balances with banks |
|
144 |
|
83 |
|
53 |
|
Debt securities in issue |
|
5 |
|
— |
|
— |
|
Subordinated liabilities |
|
218 |
|
234 |
|
243 |
|
Internal funding of trading businesses |
|
5 |
|
7 |
|
2 |
|
|
|
|
|
|
|
|
|
Interest payable (1) |
|
790 |
|
1,012 |
|
1,253 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net interest income |
|
5,481 |
|
4,772 |
|
4,539 |
|
|
|
|
|
|
|
|
Notes:
|
(1) |
Negative interest on loans and advances is classed as interest payable and on customer deposits is classed as interest receivable. |