RBS 2007 Annual Report Download - page 227

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225
RBS Group • Annual Report and Accounts 2007
Additional information
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
£m £m
UK
Central and local government 1,866 1,217
Manufacturing 6,292 6,384
Construction 5,024 3,960
Finance 25,157 18,948
Service industries and business activities 30,850 29,290
Agriculture, forestry and fishing 2,480 2,562
Property 26,445 19,670
Individuals – home mortgages 57,529 48,117
– other 27,863 25,526
Finance leases and instalment credit 13,083 11,703
Total domestic 196,589 167,377
Overseas residents 44,053 27,168
Total UK offices 240,642 194,545
Overseas
US 74,045 40,373
Rest of the World 35,004 21,535
Total overseas offices 109,049 61,908
Loans and advances to customers – gross 349,691 256,453
Provisions for bad and doubtful debts (4,222) (3,922)
Loans and advances to customers – net 345,469 252,531
Fixed rate 100,729 81,918
Variable rate 248,962 174,535
Loans and advances to customers – gross 349,691 256,453
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