10 Finance costs and financial income
| Financial income | 2007 £m |
2006 £m |
||
| Bank interest receivable | 1.8 | 2.0 | ||
| Change in fair value of cross-currency interest rate swaps | 3.0 | 2.8 | ||
| Expected return on pension scheme assets | 4.8 | 4.2 | ||
| 9.6 | 9.0 | |||
| Finance costs | 2007 £m |
2006 £m |
||
| Interest payable on bank loans and overdrafts | 8.2 | 0.5 | ||
| Interest payable on other loans | 0.3 | 10.6 | ||
| Total interest payable | 8.5 | 11.1 | ||
| Interest cost on pension scheme liabilities | 4.9 | 4.5 | ||
| 13.4 | 15.6 | |||
Net interest costs of £6.7m (2006: £9.1m) for the purposes of the calculation of interest cover comprise of bank interest receivable of £1.8m (2006: £2.0m), and interest payable on bank and other loans and overdrafts of £8.5m (2006: £11.1m).