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	Notes to the accounts

	29 Customer accounts
			2000	1999
			£m	£m
	Repayable
	on demand		61,174	44,997
	not more than three months		82,435	71,216
	over three months but not more than six months		4,005	2,135
	over six months but not more than one year		4,624	1,728
	over one year but not more than five years		5,257	2,128
	over five years		1,473	1,762
			158,968	123,966
	By geographical area
	Banking business:
	UK		121,565	90,204
	Other European Union		4,884	4,394
	United States		4,084	2,323
	Rest of the World		9,819	8,106
	Total banking business		140,352	105,027
	Total trading business		18,616	18,939
			158,968	123,966

			2000	1999
			£m	£m
	By type
	In offices in the UK:
	current and demand accounts – interest free		10,928	9,727
	current and demand accounts – interest bearing		16,785	13,601
	savings accounts		35,761	27,014
	other time deposits – retail		36,224	22,726
	other time deposits – wholesale		24,492	20,406
	In offices outside the UK:
	current and demand accounts – interest free		1,557	1,600
	current and demand accounts – interest bearing		1,903	1,988
	savings accounts		1,326	1,267
	other time deposits		29,992	25,637
			158,968	123,966
	At 31st December 2000, there were customer accounts of £12m (1999 £13m) due to associated undertakings and joint ventures. Deposits in offices in the UK received from non-residents amounted to £11,754m (1999 £11,242m). Other time deposits in the UK and the United States are mostly over £50,000. A further analysis of customer accounts is provided within the Deposits section of the Financial review.