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					Changes in net interest income – volume and rate analysis                                                                            60

                                                              2004/2003 Change due                   2003/2002 Change due
                                                             to increase/(decrease) in:             to increase/(decrease) in:
                                                             Total                                  Total
                                                           change       Volume            Rate    change       Volume              Rate
                                                               £m           £m             £m         £m            £m              £m
Interest payable
Deposits by banks:
in offices in the United Kingdom                               232          146             86          6           246           (240)
in offices outside the United Kingdom                          126          121              5       (16)            25            (41)
                                                               358          267             91       (10)           271           (281)
Customer accounts – demand deposits:
in offices in the United Kingdom                               140           20            120         6             24             (18)
in offices outside the United Kingdom                          (17)          (2)           (15)       21             23              (2)
                                                               123           18            105        27             47             (20)
Customer accounts – savings deposits:
in offices in the United Kingdom                               326            46           280        17              87            (70)
in offices outside the United Kingdom                           (5)            8           (13)       (6)           (13)               7
                                                               321            54           267        11              74            (63)
Customer accounts – other time deposits – retail:
in offices in the United Kingdom                               135          (24)           159      (132)         (161)              29
in offices outside the United Kingdom                           15            22            (7)      (36)          (49)              13
                                                               150           (2)           152      (168)         (210)              42
Customer accounts – other time deposits – wholesale:
in offices in the United Kingdom                               164           19            145       459            638           (179)
in offices outside the United Kingdom                           95          135            (40)       16              7               9
                                                               259          154            105       475            645           (170)
Debt securities in issue:
in offices in the United Kingdom                               103          (72)           175      (112)           203           (315)
in offices outside the United Kingdom                           92          104            (12)      (95)             5           (100)
                                                               195            32           163      (207)           208           (415)
Dated and undated loan capital and other subordinated
liabilities principally in offices in the United Kingdom          8           23           (15)        39            73             (34)
Internal funding of trading businesses                        (414)        (392)           (22)     (202)         (469)             267
Total banking business interest payable:
in offices in the United Kingdom                               694         (234)            928        81           641           (560)
in offices outside the United Kingdom                          306           388           (82)     (116)            (2)          (114)
                                                             1,000           154            846      (35)           639           (674)
Total trading business interest payable                      2,481         2,795          (314)       636           734            (98)
Total interest payable                                       3,481         2,949            532       601         1,373           (772)
Movement in net interest income
Increase/(decrease) in interest receivable                    3,432        3,259            173    1,012          2,054          (1,042)
(Decrease)/increase in interest payable                     (3,481)      (2,949)          (532)    (601)        (1,373)              772
                                                                (49)         310          (359)      411            681            (270)
Movement in non-margin interest                                    –                                 (19)
                                                                (49)                                 392

				
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