Barclays 2004 Annual Report Download - page 83
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Barclays PLC Annual Report 2004
81
Table 22: Analysis of provision balances for bad and doubtful debts
As at 31st December
2004 2003 2002 2001 2000
£m £m £m £m £m
Specific provisions
United Kingdom 1,860 1,856 1,790 1,605 1,343
Other European Union 104 97 84 89 112
United States 128 121 257 89 20
Rest of the World 110 159 130 188 118
Total specific provision balances 2,202 2,233 2,261 1,971 1,593
General provision balances 564 795 737 745 760
Total provision balances 2,766 3,028 2,998 2,716 2,353
Average loans and advances for the year (excluding trading business) 200,180 184,765 174,764 157,904 122,333
(including trading business) 317,136 285,963 256,789 223,221 176,938
Table 23: Provisions balance ratios
As at 31st December
2004 2003 2002 2001 2000
%% % % %
Excluding trading business
Provisions balance at end of year as a percentage of loans and advances
at end of year:
Specific provision balances 1.01 1.19 1.29 1.22 1.06
General provision balances 0.25 0.42 0.42 0.46 0.51
1.26 1.61 1.71 1.68 1.57
Including trading business
Provisions balance at end of year as a percentage of loans and advances
at end of year:
Specific provision balances 0.66 0.77 0.86 0.85 0.79
General provision balances 0.17 0.27 0.28 0.32 0.38
0.83 1.04 1.14 1.17 1.17
Table 24: Movements in provisions charge for bad and doubtful debts
2004 2003 2002 2001 2000
£m £m £m £m £m
Provisions balance at beginning of year 3,028 2,998 2,716 2,353 1,983
Acquisitions and disposals 21 62 (11) 46 119
Exchange and other adjustments (34) (18) (77) (1) 4
Amounts written off (1,595) (1,474) (1,220) (973) (683)
Recoveries 255 113 106 142 113
Provisions charged against profit 1,091 1,347 1,484 1,149 817
Provisions balance at end of year 2,766 3,028 2,998 2,716 2,353
(Also see chart on page 59.)