RBS 2003 Annual Report Download - page 206
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204
Additional information continued
Additional information
Analysis of loans and advances to customers
The following table analyses loans and advances to customers before provisions by remaining maturity, geographical area and
type of customer. Overdrafts are included in the ‘Within 1 year’ category.
After 1 31 December
Within but within After 2003 31 December 31 December 31 December 30 September
1 year 5 years 5 years Total 2002 2001 2000 1999
£m £m £m £m £m £m £m £m
UK
Central and local government 1,207 1 9 1,217 1,521 706 1,957 150
Manufacturing 4,628 876 880 6,384 7,386 7,401 6,806 2,715
Construction 2,670 588 702 3,960 3,468 3,018 2,615 648
Finance 10,186 602 8,160 18,948 12,396 8,517 9,944 2,891
Service industries and
business activities 16,799 4,895 7,596 29,290 26,022 25,033 20,903 8,062
Agriculture, forestry and fishing 1,304 518 740 2,562 2,463 2,391 2,373 673
Property 10,577 3,715 5,378 19,670 15,939 12,274 10,415 3,668
Individuals – home mortgages 972 3,982 43,163 48,117 42,101 36,976 32,600 9,544
Individuals – other 15,529 6,719 3,278 25,526 22,255 20,076 17,881 6,283
Finance leases and instalment credit 2,566 4,447 4,690 11,703 11,723 11,258 10,816 3,614
Total domestic 66,438 26,343 74,596 167,377 145,274 127,650 116,310 38,248
Overseas residents 22,808 761 3,599 27,168 23,657 24,164 19,257 2,799
Total UK offices 89,246 27,104 78,195 194,545 168,931 151,814 135,567 41,047
Overseas
US 16,214 9,538 14,621 40,373 41,008 29,230 23,050 6,807
Rest of the World 11,133 4,266 6,136 21,535 17,305 13,093 12,598 2,223
Total overseas offices 27,347 13,804 20,757 61,908 58,313 42,323 35,648 9,030
Loans and advances
to customers – gross 116,593 40,908 98,952 256,453 227,244 194,137 171,215 50,077
Provisions for bad and doubtful debts (3,922) (3,920) (3,645) (3,139) (737)
Loans and advances
to customers – net 252,531 223,324 190,492 168,076 49,340
Fixed rate 36,559 14,970 30,389 81,918 80,326 62,282 53,983 15,959
Variable rate 80,034 25,938 68,563 174,535 146,918 131,855 117,232 34,118
Gross loans and advances
to customers – by maturity 116,593 40,908 98,952 256,453 227,244 194,137 171,215 50,077