1.

Financial investment return includes fair value gains and losses, excluding fair value movements attributable to AFS investments, dividends and interest. Net gains (excluding interest and dividend income) of £23,039m (2009: £27,303m) arose on financial investments designated as FVTPL and £427m (2009: £1,851m) arose on derivative contracts classified as HFT. Interest income of £87m (2009: £93m) arose on financial investments designated as AFS. There were no impairments on assets classified as AFS during the year (2009: £nil). Investment income of £36m (2009: £144m) arose on loans and receivables.

2.

Property investment return includes £327m (2009: £283m) of rental income.