RBS 2003 Annual Report Download - page 209
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207
Annual Report and Accounts 2003
Additional information
Analysis of write-offs
The following table analyses amounts written-off by geographical area and type of domestic customer.
31 December 30 September
2003 2002 2001 2000 1999
£m £m £m £m £m
Domestic
Manufacturing 99 111 61 55 4
Construction 22 18 19 30 5
Finance 54 35 8 5 1
Service industries and business activities 393 180 176 146 38
Agriculture, forestry and fishing 4 10 5 5 1
Property 6 9 14 7 4
Individuals – home mortgages 2 2 3 12 9
Individuals – others 357 333 297 230 107
Finance leases and instalment credit 160 45 62 109 6
Total domestic 1,097 743 645 599 175
Foreign 422 293 190 185 51
Total write-offs* 1,519 1,036 835 784 226
* Includes amounts written-off in respect of banks of nil (2002 – £1 million; 2001 – £6 million; 2000 – £5 million).
Analysis of recoveries
The following table analyses recoveries of amounts written-off by geographical area and type of domestic customer.
31 December 30 September
2003 2002 2001 2000 1999
£m £m £m £m £m
Domestic
Manufacturing — 1 2 12 2
Construction — — 1 13 1
Finance —— 1 3 8
Service industries and business activities 3 15 454
Agriculture, forestry and fishing — —— 3—
Property — 1 1 6 —
Individuals – home mortgages — ——— 1
Individuals – others 26 27 41 57 28
Finance leases and instalment credit 9 73 3 —
Total domestic 38 37 54 142 44
Foreign 34 26 26 22 10
Total recoveries 72 63 80 164 54