23. Interest Income and Expense

In mln of Russian Roubles 2011 2010
Interest income    
Interest income on financial assets carried at amortised cost and on financial assets available for sale:    
- Loans and advances to customers 741,796 682,010
- Debt investment securities available for sale 67,424 83,219
- Debt investment securities held to maturity 26,799 9,101
- Due from other banks 6,861 7,955
- Correspondent accounts with other banks 121 118
  843,001 782,403
Interest income on financial assets carried at fair value through profit or loss:    
- Debt trading securities 4,035 7,503
- Debt securities designated at fair value through profit or loss 3,588 5,740
  7,623 13,243
Total interest income 850,624 795,646
Interest expense    
Term deposits of individuals (186,214) (213,384)
Term deposits of legal entities (26,040) (29,747)
Subordinated debt (19,512) (28,219)
Debt securities in issue (12,746) (13,344)
Current/settlement accounts of legal entities (10,540) (9,089)
Term placements of other banks (4,977) (1,382)
Current/demand accounts of individuals (4,702) (2,628)
Other borrowed funds (4,226) (1,640)
Correspondent accounts of other banks (564) (392)
Total interest expense (269,521) (299,825)
Expenses directly attributable to deposit insurance (20,077) (16,718)
Net interest income 561,026 479,103

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