RBS 2005 Annual Report Download - page 246
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244
Additional information
Amounts in accordance with UK GAAP
Analysis of loans and advances to customers
The following table analyses loans and advances to customers before provisions by geographical area and type of customer.
UK GAAP
2004 2003 2002 2001
£m £m £m £m
UK
Central and local government 1,866 1,217 1,521 706
Manufacturing 6,292 6,384 7,386 7,401
Construction 5,024 3,960 3,468 3,018
Finance 25,157 18,948 12,396 8,517
Service industries and business activities 30,850 29,290 26,022 25,033
Agriculture, forestry and fishing 2,480 2,562 2,463 2,391
Property 26,445 19,670 15,939 12,274
Individuals – home mortgages 57,529 48,117 42,101 36,976
Individuals – other 27,863 25,526 22,255 20,076
Finance leases and instalment credit 13,083 11,703 11,723 11,258
Total domestic 196,589 167,377 145,274 127,650
Overseas residents 44,053 27,168 23,657 24,164
Total UK offices 240,642 194,545 168,931 151,814
Overseas
US 74,045 40,373 41,008 29,230
Rest of the World 35,004 21,535 17,305 13,093
Total overseas offices 109,049 61,908 58,313 42,323
Loans and advances to customers – gross 349,691 256,453 227,244 194,137
Provisions for bad and doubtful debts (4,222) (3,922) (3,920) (3,645)
Loans and advances to customers – net 345,469 252,531 223,324 190,492
Fixed rate 100,729 81,918 80,326 62,282
Variable rate 248,962 174,535 146,918 131,855
Loans and advances to customers – gross 349,691 256,453 227,244 194,137
Cross border exposures
The table below sets out the Group’s cross border outstandings in excess of 0.75% of Group total assets (including acceptances),
which totalled £583.8 billion at 31 December 2004 (2003 – £455.0 billion). None of these countries has experienced repayment
difficulties that have required refinancing of outstanding debt.
UK GAAP
2004 2003
£m £m
United States 28,795 14,618
Germany 14,050 15,073
France 9,604 7,524
Netherlands 8,871 6,830
Cayman Islands 7,258 6,666
Spain 5,249 3,421
Japan 4,610 4,141
Additional information continued