Interest income                                                                 35,075           19,096          11,240     11,892               15,456
Interest expense                                                               (22,366)          (8,524)         (3,167)    (3,770)              (6,049)
Net interest income                                                             12,709           10,572           8,073       8,122               9,407
Fee and commission income                                                       10,121            9,637           9,880       8,641               9,122
Fee and commission expense                                                      (3,592)          (3,038)         (2,206)    (2,070)              (2,362)
Net fee and commission income                                                    6,529            6,599           7,674       6,571               6,760
Other income                                                                     6,140            7,785           6,193       7,073               5,465
Total income                                                                    25,378           24,956          21,940     21,766               21,632


Operating costs                                                                (16,714)         (14,957)        (14,092)   (13,434)             (13,359)
UK bank levy                                                                      (180)           (176)           (170)       (299)               (226)
Litigation and conduct                                                             (37)          (1,597)          (397)       (153)              (1,849)
Total operating expenses                                                       (16,931)         (16,730)        (14,659)   (13,886)             (15,434)


Other net income                                                                    (9)                6            260          23                  71
Profit before impairment                                                         8,438            8,232           7,541       7,903               6,269
Credit impairment (charges)/releases                                            (1,881)          (1,220)            653     (4,838)              (1,912)