HBOSplc Annual Report and Accounts 2007

Impairment provisions as a % of closing advances are analysed in the following table:


		As at 31.12.2007		As at 31.12.2006
	£m	As % of closing advances	£m	As % of closing advances
Retail	2,249	0.89	2,108	0.89
Corporate	802	0.73	735	0.82
International	322	0.48	246	0.51
Total impairment provisions	3,373	0.78	3,089	0.82

Impaired loans as a % of closing advances and impairment provisions as a % of impaired loans are analysed by division in the following table:


As at 31 December 2007	Advances £bn	Impaired loans* £m	Impaired loans* as % of closing advances %	Impairment provisions £m	Impairment provisions as % of impaired loans* %
Retail: Secured	235.6	4,234	1.80	330	8
Unsecured	17.8	2,322	13.04	1,919	83
Total	253.4	6,556	2.59	2,249	34
Corporate	109.3	1,517	1.39	802	53
International	67.1	826	1.23	322	39
Treasury & Asset Management	0.2
Total	430.0	8,899	2.07	3,373	38


As at 31 December 2006	Advances £bn	Impaired loans* £m	Impaired loans* as % of closing advances %	Impairment provisions £m	Impairment provisions as % of impaired loans* %
Retail: Secured	219.4	4,047	1.84	408	10
Unsecured	18.3	2,411	13.17	1,700	71
Total	237.7	6,458	2.72	2,108	33
Corporate	89.6	1,163	1.30	735	63
International	48.7	581	1.19	246	42
Treasury & Asset Management	0.8
Total	376.8	8,202	2.18	3,089	38

* Excludes Corporate impaired loans no loss.

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