RBS 2013 Annual Report Download - page 514
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Additional information
512
Financial summary continued
Loan impairment provisions
For a discussion of the factors considered in determining the amount of provisions, refer to the provisions policy on page 381 and ‘Critical accounting
policies and key sources of estimation uncertainty’ on pages 386 to 389. The following table shows the movements in loan impairment provisions.
2013 2012 2011 2010 2009
£m £m £m £m £m
Provisions at the beginning of the year
UK 9,754 8,222 8,537 7,004 4,634
Overseas 11,496 11,661 9,645 10,279 6,382
21,250 19,883 18,182 17,283 11,016
Transfer (to)/from disposal groups
UK — 764 (773) (25) —
Overseas (9) — — (47) (324)
(9) 764 (773) (72) (324)
Currency translation and other adjustments
UK 323 635 5 (23) (244)
Overseas (202) (945) (288) 66 (286)
121 (310) (283) 43 (530)
Disposals
Overseas (77) (5) 8 (2,172) (65)
A
mounts written-off
UK (2,547) (2,127) (2,408) (2,270) (2,925)
Overseas (1,799) (2,139) (2,119) (3,772) (4,014)
(4,346) (4,266) (4,527) (6,042) (6,939)
Recoveries of amounts previously written-off
UK 78 164 158 151 176
Overseas 178 177 369 260 223
256 341 527 411 399
Charged to income statement - continuing operations (1)
UK 3,593 2,351 2,937 3,916 5,593
Overseas 4,819 2,964 4,304 5,228 7,497
8,412 5,315 7,241 9,144 13,090
Charged to income statement - discontinued operations
Overseas — 4 (8) 42 1,044
Unwind of discount (recognised in interest income)
UK (196) (255) (235) (216) (230)
Overseas (195) (221) (249) (239) (178)
(391) (476) (484) (455) (408)
Provisions at the end of the year (2)
UK 11,005 9,754 8,222 8,537 7,004
Overseas 14,211 11,496 11,661 9,645 10,279
25,216 21,250 19,883 18,182 17,283
Gross loans and advances to customers (3)
UK 286,983 311,488 309,122 340,587 357,572
Overseas 128,995 139,736 164,750 180,216 346,907
415,978 451,224 473,872 520,803 704,479
For the notes to this table refer to the following page.