| 21 | INVESTMENT INCOME |
| For the year ended 31 December | ||||||||||||
| 2017 | 2016 | 2015 | ||||||||||
| RMB million | RMB million | RMB million | ||||||||||
|
Debt securities |
||||||||||||
|
- held-to-maturity securities |
30,669 | 24,854 | 24,541 | |||||||||
|
- available-for-sale securities |
19,608 | 17,499 | 18,526 | |||||||||
|
- at fair value through profit or loss |
3,618 | 5,683 | 1,382 | |||||||||
|
Equity securities |
||||||||||||
|
- available-for-sale securities |
27,019 | 19,744 | 8,950 | |||||||||
|
- at fair value through profit or loss |
920 | 527 | 326 | |||||||||
|
Bank deposits |
23,827 | 27,851 | 32,285 | |||||||||
|
Loans |
16,320 | 12,018 | 11,115 | |||||||||
|
Securities purchased under agreements to resell |
746 | 971 | 368 | |||||||||
|
Others |
— | — | 89 | |||||||||
|
Total |
122,727 | 109,147 | 97,582 | |||||||||
|
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For the year ended 31 December 2017, the interest income included in investment income was RMB94,788 million (2016: RMB88,876 million, 2015: RMB88,306 million). All interest income was accrued using the effective interest method.