Barclays 2003 Annual Report Download - page 60
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Risk Management
Provisions for Bad and Doubtful Debts
58
Specific provisions charges and balances for bad and doubtful debts by industry
Net specific provision charged for the year Specific provisions balance as at 31st December
2003 2002 2001 2000 1999 2003 2002 2001 2000 1999
£m £m £m £m £m £m £m £m £m £m
United Kingdom:
Banks and other
financial institutions 13 1 (2) 7 10 12 157 9
Agriculture, forestry
and fishing (3) (1) 6 6 4 571311 7
Manufacturing 79 80 62 8 4 58 98 49 43 48
Construction (23) 41 12 7 4 735 6 8 7
Property (3) 8 3 1 (5) 3988 8
Energy and water 13 22 1 8 –27 28 10 8 2
Wholesale and retail
distribution and leisure 38 37 44 21 34 52 54 60 42 42
Transport 100 7 6 2 4 103 764 4
Communications 116 1 – – 15 15111
Business and other
services 76 62 75 27 14 121 92 77 40 34
Home loans 94810 5 55 53 60 61 39
Other personal 757 748 782 577 504 1,359 1,343 1,252 1,041 830
Overseas customers 66 13 (34) 6 (22) 24 39 52 58 41
Finance lease receivables 93 – 8 12 15 9 6 11 11
1,132 1,041 964 688 568 1,856 1,790 1,605 1,343 1,083
Foreign 188 445 201 89 67 377 471 366 250 228
1,320 1,486 1,165 777 635 2,233 2,261 1,971 1,593 1,311
Analysis of amounts written off and recovered by industry
Amounts written off for the year Recoveries of amounts previously written off
2003 2002 2001 2000 1999 2003 2002 2001 2000 1999
£m £m £m £m £m £m £m £m £m £m
United Kingdom:
Banks and other
financial institutions 14 2313 14 12 –34 2
Agriculture, forestry
and fishing –4 7 6 6 1222 3
Manufacturing 126 72 65 30 20 822 11 16 12
Construction 19 15 16 8 12 14 3 2 2 3
Property 510 5 5 9 1213 7
Energy and water 15 412 ––1–– –
Wholesale and retail
distribution and leisure 45 53 35 34 35 511 9 12 17
Transport 57 4 3 4 11 –1 1
Communications 12–– 1 –––––
Business and other
services 58 65 57 33 43 11 13 9 11 12
Home loans 11 11 14 15 3 3143 2
Other personal 790 692 599 435 363 38 31 29 28 24
Overseas customers 82 92731––35 17 1
Finance lease receivables 44 6 4 5 1111 1
1,175 950 814 595 546 95 88 106 100 85
Foreign 299 270 159 88 105 18 18 36 13 8
1,474 1,220 973 683 651 113 106 142 113 93
These tables have been prepared on the basis described on page 45.