RBS 2006 Annual Report Download - page 241
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RBS Group • Annual Report and Accounts 2006
240
Additional information continued
Additional information
Amounts in accordance with UK GAAP (continued)
Provisions for bad and doubtful debts (continued)
The following table shows additional information with respect to the provisions for bad and doubtful debts under UK GAAP.
UK GAAP
2004 2003 2002
£m £m £m
Loans and advances to customers (gross) 349,691 256,453 227,244
Provisions at end of year:
Specific provisions – customers 3,648 3,356 3,323
Specific provisions – banks 677
General provision 574 566 597
4,228 3,929 3,927
Customer provision at end of year as % of loans and
advances to customers at end of year:
Specific provisions 1.04% 1.31% 1.46%
General provision 0.17% 0.22% 0.26%
1.21% 1.53% 1.72%
Average loans and advances to customers (gross) 298,150 245,798 211,206
As a % of average loans and advances to customers during the year:
Total customer provisions charged to profit and loss 0.48% 0.59% 0.61%
Amounts written-off (net of recoveries) – customers 0.44% 0.59% 0.46%
Analysis of closing provisions for bad and doubtful debts
The following table analyses customer provisions for bad and doubtful debts by geographical area and type of domestic customer.
UK GAAP
2004 2003 2002
% 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 — 0.5 — 0.5 — 0.6
Manufacturing 127 1.8 156 2.5 205 3.2
Construction 71 1.4 56 1.5 65 1.5
Finance 54 7.2 34 7.4 71 5.5
Service industries and business activities 516 8.8 599 11.4 699 11.5
Agriculture, forestry and fishing 23 0.7 20 1.0 29 1.1
Property 64 7.6 58 7.7 40 7.0
Individuals – home mortgages 32 16.5 35 18.8 60 18.5
Individuals – other 1,318 8.0 1,003 9.9 855 9.8
Finance leases and instalment credit 122 3.7 136 4.6 208 5.2
Total domestic 2,327 56.2 2,097 65.3 2,232 63.9
Foreign 1,321 43.8 1,259 34.7 1,091 36.1
Specific provisions 3,648 100.0 3,356 100.0 3,323 100.0
General provision 574 566 597
Total provisions 4,222 3,922 3,920