RBS 2006 Annual Report Download - page 240
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239
RBS Group • Annual Report and Accounts 2006
Additional information
Provisions for bad and doubtful debts
The following table shows the elements of provisions for bad and doubtful debts under UK GAAP. UK GAAP
2004 2003 2002
£m £m £m
Provisions at the beginning of the year
Domestic 2,452 2,581 2,467
Foreign 1,477 1,346 1,186
3,929 3,927 3,653
Currency translation and other adjustments
Domestic (8) (2) (4)
Foreign (90) (60) (58)
(98) (62) (62)
Acquisitions of businesses
Domestic 2—11
Foreign 288 50 12
290 50 23
Amounts written-off
Domestic (920) (1,097) (743)
Foreign (548) (422) (293)
(1,468) (1,519) (1,036)
Recoveries of amounts written-off in previous years
Domestic 88 38 37
Foreign 59 34 26
147 72 63
Charged to profit and loss account
Domestic 986 932 813
Foreign 442 529 473
1,428 1,461 1,286
Provisions at the end of the year (1)
Domestic 2,600 2,452 2,581
Foreign 1,628 1,477 1,346
4,228 3,929 3,927
Gross loans and advances to customers
Domestic 196,589 167,377 145,274
Foreign 153,102 89,076 81,970
349,691 256,453 227,244
Closing customer provisions as a % of gross loans and advances to customers (2)
Domestic 1.32% 1.46% 1.78%
Foreign 1.06% 1.65% 1.63%
Total 1.21% 1.53% 1.72%
Customer charge against profit as a % of gross loans and advances to customers
Domestic 0.50% 0.56% 0.56%
Foreign 0.29% 0.59% 0.58%
Total 0.41% 0.57% 0.57%
Notes:
(1) Includes closing provisions against loans and advances to banks of £6 million in 2004 (2003 – £7 million; 2002 – £7 million).
(2) Closing customer provisions exclude closing provisions against loans and advances to banks.