23 Interest Income and Expense

In millions of Russian Roubles 2010 2009
Interest income    
Interest income on financial assets carried at amortised cost and on financial assets available for sale:    
- Loans and advances to customers 682,010 752,647
- Debt investment securities available for sale 83,219 40,190
- Debt investment securities held to maturity 9,101 -
- Due from other banks 7,955 7,433
- Correspondent accounts with other banks 118 708
  782,403 800,978
Interest income on financial assets carried at fair value through profit or loss:    
- Debt trading securities 7,503 6,654
- Debt securities designated at fair value through profit or loss 5,740 7,330
  13,243 13,984
Total interest income 795,646 814,962
Interest expense    
Term deposits of individuals (213,384) (186,400)
Term deposits of legal entities (29,747) (46,199)
Subordinated debt (28,219) (41,289)
Current/settlement accounts of legal entities (9,089) (11,439)
Debt securities in issue (8,776) (9,184)
Other borrowed funds (5,950) (5,408)
Current/demand accounts of individuals (2,628) (1,369)
Term placements of other banks (1,640) (10,416)
Correspondent accounts of other banks (392) (541)
Total interest expense (299,825) (312,245)
Net interest income 495,821 502,717

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