RBS 2006 Annual Report Download - page 231
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RBS Group • Annual Report and Accounts 2006
230
Additional information continued
Additional information
Amounts in accordance with IFRS (continued)
Loan impairment provisions (continued)
The following table shows additional information in respect of the loan impairment provisions.
IFRS
2006 2005 2004
£m £m £m
Loans and advances to customers (gross) 470,826 421,110 351,419
Loan impairment provisions at end of year:
– customers 3,933 3,884
– banks 2 3
Specific provisions – customers 3,607
Specific provisions – banks 6
General provision 561
3,935 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) 445,766 402,473 299,430
As a % of average loans and advances to customers during the year:
Total customer provisions charged to income statement 0.42% 0.42% 0.47%
Amounts written-off (net of recoveries) – customers 0.36% 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
2006 2005 2004
% of loans % of loans % of loans
Closing to total Closing to total Closing to total
provision loans provision loans provision loans
£m % £m % £m %
Domestic
Central and local government — 1.4 — 0.8 — 0.6
Manufacturing 94 2.4 138 2.8 127 1.8
Construction 63 1.8 74 1.7 71 1.4
Finance 33 5.3 104 6.4 54 7.0
Service industries and business activities 647 9.3 647 9.7 516 8.8
Agriculture, forestry and fishing 25 0.6 26 0.6 23 0.7
Property 70 8.3 63 7.8 64 7.5
Individuals – home mortgages 37 15.1 36 15.5 32 16.4
Individuals – other 1,826 5.9 1,513 6.3 1,277 7.5
Finance leases and instalment credit 103 3.0 88 3.3 122 3.7
Accrued interest — 0.3 — 0.3
Total domestic 2,898 53.4 2,689 55.2 2,286 55.4
Foreign 442 46.6 652 44.8 1,321 44.6
Impaired book provisions 3,340 100.0 3,341 100.0 100.0
Latent book provisions 593 543
Specific provisions 3,607
General provision 561
Total provisions 3,933 3,884 4,168