RBS 2005 Annual Report Download - page 238

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Additional information
Additional information continued
Loan impairment provisions (continued)
The following table presents additional information in respect of the loan impairment provisions.
IFRS
2005 2004
£m £m
Loans and advances to customers (gross) 421,110 351,419
Loan impairment provisions at end of year:
– customers 3,884
– banks 3
Specific provisions – customers 3,607
Specific provisions – banks 6
General provision 561
3,887 4,174
Customer provision at end of year as % of loans and advances to customers at end of year:
Specific provisions 1.03%
General provision 0.16%
1.19%
Average loans and advances to customers (gross) 402,473 299,430
As a % of average loans and advances to customers during the year:
Total customer provisions charged to income statement 0.42% 0.47%
Amounts written-off (net of recoveries) – customers 0.46% 0.44%
Analysis of closing loan impairment provisions
The following table analyses customer loan impairment provisions by geographical area and type of domestic customer.
IFRS
2005 2004
% of loans % of loans
Closing to total Closing to total
provision loans provision loans
£m % £m %
Domestic
Central and local government — 0.8 — 0.6
Manufacturing 138 2.8 127 1.8
Construction 74 1.7 71 1.4
Finance 104 6.4 54 7.0
Service industries and business activities 647 9.7 516 8.8
Agriculture, forestry and fishing 26 0.6 23 0.7
Property 63 7.8 64 7.5
Individuals – home mortgages 36 15.5 32 16.4
Individuals – other 1,513 6.3 1,277 7.5
Finance leases and instalment credit 88 3.3 122 3.7
Accrued interest — 0.3
Total domestic 2,689 55.2 2,286 55.4
Foreign 652 44.8 1,321 44.6
Impaired book provisions 3,341 100.0 100.0
Latent book provisions 543
Specific provisions 3,607
General provision 561
Total provisions 3,884 4,168