Barclays 2005 Annual Report Download - page 90

Barclays PLC
Annual Report 2005
88
Risk management
Statistical information
Table 20: Analysis of impairment/provision charges
IFRS UK GAAP
2005 2004(a) 2003 2002 2001
£m £m £m £m £m
Impairment charge/net specific provisions charge
United Kingdom 1,382 1,021 1,132 1,041 964
Other European Union 75 102 37 14 20
United States 76 57 84 385 136
Africa 37 27 21 24 29
Rest of the World 4103 46 22 16
Impairment on loans and advances 1,574 n/a n/a n/a n/a
Impairment on available for sale assets 4n/a n/a n/a n/a
Impairment charge 1,578 n/a n/a n/a n/a
Total net specific provisions charge n/a 1,310 1,320 1,486 1,165
General provisions (release)/charge n/a (206) 27 (2) (16)
Other credit provisions (7) (11) – – –
Impairment/provision charges 1,571 1,093 1,347 1,484 1,149
(Also see chart on page 64.)
Table 21: Impairment/provisions charges ratios (‘Loan loss ratios’)
IFRS UK GAAP
2005 2004(a) 2003 2002 2001
%% %%%
Impairment/provisions charges as a percentage of average loans and advances
for the year:
Specific provisions charge n/a 0.40 0.46 0.58 0.52
General provisions charge n/a (0.07) 0.01 – –
Impairment charge 0.58 n/a n/a n/a n/a
Total 0.58 0.33 0.47 0.58 0.52
Amounts written off (net of recoveries) 0.50 0.40 0.48 0.43 0.37
Note
(a) Does not reflect the application of IAS 32, IAS 39 and IFRS 4 which became effective from 1st January 2005. Further explanation is provided on page 134.