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303Reports andcertificationsConsolidatedannual financialstatementsShareholdermeeting mattersDefinitions andabbreviationsInstrumentcodesContactdetailsnotes to the financial statements for the year ended 31 December 201012 INTEREST AND SIMILAR INCOMEHome loans (including properties in possession) 11 962 14 873Commercial mortgages 7 686 7 913Finance lease and instalment debtors 7 303 7 655Credit cards 1 106 1 188Bills and acceptances 20 41Overdrafts 1 331 1 577Term loans 7 623 7 616Personal loans 2 600 2 133Other term loans 5 023 5 483Government and other securities 2 929 3 442Short-term funds and securities 736 808Other loans 3 681 5 4242010Rm2009Rm44 377 50 537Interest and similar income may be analysed as follows:– Interest and similar income from financial instruments not at fair value through profit and loss 38 642 44 594– Interest and similar income from financial instruments at fair value through profit or loss 5 735 5 94344 377 50 53713 INTEREST EXPENSE AND SIMILAR CHARGESDeposit and loan accounts 13 955 19 585Current and savings accounts 788 1 188Negotiable certificates of deposit 8 319 9 656Other interest-bearing liabilities 2 420 2 161Long-term debt instruments 2 287 1 64127 769 34 231Interest expense and similar charges may be analysed as follows:– Interest expense and similar charges from financial instruments not at fair value through profit and loss 21 709 26 838– Interest expense and similar charges from financial instruments at fair value through profit or loss 6 060 7 39327 769 34 231An unaudited margin analysis of the interest income and interest expense by asset and liability category is presented as additional financialinformation on page 61.