RBS 2003 Annual Report Download - page 101
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99
Annual Report and Accounts 2003
Operating and financial review
Analysis of specific provisions
The table below shows specific provisions by industry and geographic area.
2003 2002 2001
£m £m £m
Industry:
Finance 65 125 109
Individuals – home mortgages 37 67 69
Individuals – other 1,159 955 924
Other commercial and industrial 2,095 2,176 1,929
3,356 3,323 3,031
Geography:
UK 2,507 2,615 2,376
US 609 556 494
Europe 224 110 82
Rest of the World 16 42 79
3,356 3,323 3,031
Notes:
(1) Excludes specific provisions against loans and advances to banks of £7 million (2002 – £7 million; 2001 – £8 million).
(2) The geographic analysis is based on location of office. The UK includes domestic transactions and transactions conducted through the offices in the UK which service
international banking transactions.
Amounts written off and recovered
The table below shows the amounts written off by industry and geographical area.
2003 2002 2001
£m £m £m
Industry:
Finance 66 44 10
Individuals – home mortgages 2 23
Individuals – other 415 391 333
Other commercial and industrial 1,036 598 483
1,519 1,035 829
Geography:
UK 1,333 803 669
US 156 164 85
Europe 15 40 20
Rest of the World 15 28 55
Total amounts written off 1,519 1,035 829
Notes:
(1) Excludes amounts written off in respect of banks of nil (2002 – £1 million; 2001 – £6 million).
(2) The geographic analysis is based on location of office. The UK includes domestic transactions and transactions conducted through the offices in the UK which service
international banking transactions.
The following table shows amounts previously written off and subsequently recovered during the year by industry and geographical area.
2003 2002 2001
£m £m £m
Industry:
Finance 1—1
Individuals – other 42 41 52
Other commercial and industrial 29 22 27
72 63 80
Geography:
UK 38 37 55
US 25 21 17
Europe 4 47
Rest of the World 5 11
Total recoveries 72 63 80
Notes:
(1) The geographic analysis is based on location of office. The UK includes domestic transactions and transactions conducted through the offices in the UK which service
international banking transactions.