44

							Table 28: Specific provision charges for bad and doubtful debts by industry                                     44

                                                                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                                            3              13            22                1     8
Wholesale and retail distribution and leisure              66              38            37               44    21
Transport                                                (19)            100               7               6     2
Communications                                            (1)               1            16                1     –
Business and other services                                64              76            62               75    27
Home loans                                                 17               9              4               8    10
Other personal                                           890             757            748             782    577
Overseas customers                                       181               66            13             (34)     6
Finance lease receivables                                   2               9              3               –     8
                                                       1,198           1,132          1,041             964    688
Foreign                                                  103             188            445             201     89
                                                       1,301           1,320          1,486           1,165    777