RBS 2004 Annual Report Download - page 208
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206
Additional information
Additional information continued
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
Within but within After 2004
1 year 5 years 5 years Total 2003 2002 2001 2000
£m £m £m £m £m £m £m £m
UK
Central and local government 1,670 95 101 1,866 1,217 1,521 706 1,957
Manufacturing 5,073 639 580 6,292 6,384 7,386 7,401 6,806
Construction 3,726 676 622 5,024 3,960 3,468 3,018 2,615
Finance 23,617 1,021 519 25,157 18,948 12,396 8,517 9,944
Service industries and
business activities 18,620 5,317 6,913 30,850 29,290 26,022 25,033 20,903
Agriculture, forestry and fishing 913 898 669 2,480 2,562 2,463 2,391 2,373
Property 19,794 2,673 3,978 26,445 19,670 15,939 12,274 10,415
Individuals – home mortgages 1,736 4,955 50,838 57,529 48,117 42,101 36,976 32,600
Individuals – other 14,072 7,965 5,826 27,863 25,526 22,255 20,076 17,881
Finance leases and instalment credit 2,534 4,506 6,043 13,083 11,703 11,723 11,258 10,816
Total domestic 91,755 28,745 76,089 196,589 167,377 145,274 127,650 116,310
Overseas residents 41,049 942 2,062 44,053 27,168 23,657 24,164 19,257
Total UK offices 132,804 29,687 78,151 240,642 194,545 168,931 151,814 135,567
Overseas
US 32,518 16,624 24,903 74,045 40,373 41,008 29,230 23,050
Rest of the World 14,157 7,232 13,615 35,004 21,535 17,305 13,093 12,598
Total overseas offices 46,675 23,856 38,518 109,049 61,908 58,313 42,323 35,648
Loans and advances
to customers – gross 179,479 53,543 116,669 349,691 256,453 227,244 194,137 171,215
Provisions for bad and doubtful debts (4,222) (3,922) (3,920) (3,645) (3,139)
Loans and advances
to customers – net 345,469 252,531 223,324 190,492 168,076
Fixed rate 36,895 23,491 40,343 100,729 81,918 80,326 62,282 53,983
Variable rate 142,584 30,052 76,236 248,962 174,535 146,918 131,855 117,232
Gross loans and advances
to customers – by maturity 179,479 53,543 116,669 349,691 256,453 227,244 194,137 171,215