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Notes to the accounts
18 Provisions for bad and doubtful debts
2000 1999

Movements in provisions for bad and doubtful debts
Specific
£m
General
£m
Total
£m
Specific
£m
General
£m
Total
£m
Provisions at beginning of year 1,311 672 1,983 1,215 728 1,943
Acquisitions and disposals 71 48 119 (2) (8) (10)
Exchange and other adjustments 4 4 21 (34) (13)
1,386 720 2,106 1,234 686 1,920
Provision for the year 777 40 817 635 (14) 621
Amounts written off, net of recoveries of £114m (1999 £93m) (570) (570) (558) (558)
Provisions at end of year 1,593 760 2,353 1,311 672 1,983
             

Provisions at 31st December
2000
£m
1999
£m
Specific provisions – credit risk:
UK 1,343 1,075
Other European Union 111 126
United States 20 23
Rest of the World 118 74
1,592 1,298
Specific provisions – country risk 1 13
1,593 1,311
General provisions – credit risk 703 615
                               – country risk 57 57
2,353 1,983