Barclays 2004 Annual Report Download - page 85

Barclays PLC Annual Report 2004
83
Table 28: Specific provision charges for bad and doubtful debts by industry
Net specific provision charged for the year
2004 2003 2002 2001 2000
£m £m £m £m £m
United Kingdom:
Banks and other financial institutions (1) 13 1 (2) 7
Agriculture, forestry and fishing –(3) (1) 6 6
Manufacturing 28 79 80 62 8
Construction 10 (23) 41 12 7
Property (42) (3) 8 3 1
Energy and water 313 22 1 8
Wholesale and retail distribution and leisure 66 38 37 44 21
Transport (19) 100 7 6 2
Communications (1) 116 1 –
Business and other services 64 76 62 75 27
Home loans 17 94810
Other personal 890 757 748 782 577
Overseas customers 181 66 13 (34) 6
Finance lease receivables 293–8
1,198 1,132 1,041 964 688
Foreign 103 188 445 201 89
1,301 1,320 1,486 1,165 777
The category ‘other personal’ includes credit cards, personal loans and personal overdrafts.
The industry classifications in tables 28, 29 and 30 have been prepared at the level of the borrowing entity. This means that a loan to the
subsidiary of a major corporation is classified by the industry in which the subsidiary operates, even though the parent’s predominant business
may be in a different industry. Loans to customers domiciled outside the country where the office recording the transaction is located are shown
in the chart under ‘Overseas customers’ and not by industry.
Table 29: Specific provision balances for bad and doubtful debts by industry
Specific provision balances as at 31st December
2004 2003 2002 2001 2000
£m % £m % £m % £m % £m %
United Kingdom:
Banks and other
financial institutions 70.3 12 0.5 1 – 5 0.3 7 0.4
Agriculture, forestry
and fishing 40.2 50.2 7 0.3 13 0.7 11 0.7
Manufacturing 37 1.7 58 2.6 98 4.3 49 2.5 43 2.7
Construction 60.3 70.3 35 1.6 6 0.3 8 0.5
Property 26 1.2 30.1 9 0.4 8 0.4 8 0.5
Energy and water 23 1.0 27 1.2 28 1.3 10 0.5 8 0.5
Wholesale and retail
distribution and
leisure 70 3.2 52 2.3 54 2.4 60 3.0 42 2.6
Transport 55 2.5 103 4.6 7 0.3 6 0.3 4 0.3
Communications 13 0.6 15 0.7 15 0.7 1 0.1 1 0.1
Business and other
services 105 4.8 121 5.4 92 4.1 77 3.9 40 2.5
Home loans 58 2.6 55 2.5 53 2.3 60 3.0 61 3.8
Other personal 1,354 61.5 1,359 60.9 1,343 59.4 1,252 63.5 1,041 65.4
Overseas customers 88 4.0 24 1.1 39 1.7 52 2.6 58 3.6
Finance lease
receivables 14 0.6 15 0.7 9 0.4 6 0.3 11 0.7
1,860 84.5 1,856 83.1 1,790 79.2 1,605 81.4 1,343 84.3
Foreign 342 15.5 377 16.9 471 20.8 366 18.6 250 15.7
2,202 100.0 2,233 100.0 2,261 100.0 1,971 100.0 1,593 100.0
See Note under table 28.