Barclays 2008 Annual Report Download - page 145
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1
Business review
Barclays PLC Annual Report 2008 143
Table 20: Impairment/provisions charges ratios (‘Loan loss ratios’)
2008 2007 2006 2005 2004a
%%%% %
Impairment/provisions charges as a percentage of average loans and advances
for the year:
Specific provisions charge n/a n/a n/a n/a 0.40
General provisions charge n/a n/a n/a n/a (0.07)
Impairment charge 1.01 0.64 0.66 0.58 n/a
Total 1.01 0.64 0.66 0.58 0.33
Amounts written off (net of recoveries) 0.61 0.49 0.61 0.50 0.40
Table 21: Analysis of allowance for impairment/provision for bad and doubtful debts
2008 2007 2006 2005 2004a
£m £m£m£m£m
Impairment allowance/Specific provisions
United Kingdom 2,947 2,526 2,477 2,266 1,683
Other European Union 963 344 311 284 149
United States 1,561 356 100 130 155
Africa 857 514 417 647 70
Rest of the World 246 32 30 123 90
Specific provision balances n/a n/a n/a n/a 2,147
General provision balances n/a n/a n/a n/a 564
Allowance for impairment provision balances 6,574 3,772 3,335 3,450 2,711
Average loans and advances for the year 453,413 357,853 313,614 271,421 328,134
Table 22: Allowance for impairment/provision balance ratios
2008 2007 2006 2005 2004a
%%%% %
Allowance for impairment/provision balance at end of year as a percentage
of loans and advances at end of year:
Specific provision balances n/a n/a n/a n/a 0.62
General provision balances n/a n/a n/a n/a 0.16
Impairment balance 1.27 0.97 1.05 1.14 n/a
Total 1.27 0.97 1.05 1.14 0.78
Note
aDoes not reflect the application of IAS32, IAS39 and IFRS 4 which became effective
from 1st January 2005.