RBS 2005 Annual Report Download - page 249

section
04
Additional
information
247
Additional information
Annual Report and Accounts 2005
Analysis of write-offs
The following table analyses amounts written-off by geographical area and type of domestic customer.
UK GAAP
2004 2003 2002 2001
£m £m £m £m
Domestic
Manufacturing 55 99 111 61
Construction 12 22 18 19
Finance 19 54 35 8
Service industries and business activities 163 393 180 176
Agriculture, forestry and fishing 9 4 10 5
Property 33 6 9 14
Individuals – home mortgages 4 223
Individuals – others 535 357 333 297
Finance leases and instalment credit 90 160 45 62
Total domestic 920 1,097 743 645
Foreign 548 422 293 190
Total write-offs* 1,468 1,519 1,036 835
* Includes amounts written-off in respect of banks of nil in 2004 (2003 – nil; 2002 – £1 million; 2001 – £6 million).
Analysis of recoveries
The following table analyses recoveries of amounts written-off by geographical area and type of domestic customer.
UK GAAP
2004 2003 2002 2001
£m £m £m £m
Domestic
Manufacturing 1— 1 2
Construction ——— 1
Finance 2 — — 1
Service industries and business activities 1 315
Property —— 1 1
Individuals – home mortgages 1 ———
Individuals – others 81 26 27 41
Finance leases and instalment credit 2 973
Total domestic 88 38 37 54
Foreign 59 34 26 26
Total recoveries 147 72 63 80