23. Interest Income and Expense
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| In billions of Russian Roubles | 2012 | 2011 |
|---|---|---|
| Interest income | ||
| Interest income on financial assets carried at amortised cost and on financial assets available for sale: | ||
| 1,037.4 | 741.8 |
| 76.8 | 67.4 |
| 28.9 | 26.8 |
| 6.0 | 6.9 |
| 0.7 | 0.1 |
| 1,149.8 | 843.0 | |
| Interest income on financial assets carried at fair value through profit or loss: | ||
| 5.7 | 4.0 |
| 1.6 | 3.6 |
| 0.2 | — |
| 7.5 | 7.6 | |
| Total interest income | 1,157.3 | 850.6 |
| Interest expense | ||
| Term deposits of individuals | (230.6) | (186.2) |
| Term deposits of legal entities | (73.1) | (26.0) |
| Term placements of banks | (45.4) | (5.0) |
| Debt securities in issue | (25.1) | (12.8) |
| Subordinated debt | (20.9) | (19.5) |
| Current/settlement accounts of legal entities | (16.7) | (10.5) |
| Current/demand accounts of individuals | (8.0) | (4.7) |
| Other borrowed funds | (6.9) | (4.2) |
| Correspondent accounts of banks | (1.2) | (0.6) |
| Other interest expense | (0.7) | — |
| Total interest expense | (428.6) | (269.5) |
| Deposit insurance expenses | (23.9) | (20.1) |
| Total interest expense including deposit insurance expenses | (452.5) | (289.6) |
| Net interest income | 704.8 | 561,0 |