Bank of Montreal 1997 Annual Report Download - page 65

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Bank of Montreal 180th Annual Report 1997 59
Provision for Credit Losses – Segmented Information
($ millions)
For the year ended October 31
1997 1996 1995 1994 1993
Individuals
Residential mortgages 76 3 5 5
Cards 138 96 67 61 73
Personal loans 32 23 26 23 35
Total individuals 177 125 96 89 113
Diversified commercial
(c)
Financial institutions (26) 62 2 7 7
Commercial mortgages 15 2 12 4
Construction (non-real estate) 03 2 16 8
Commercial real estate (146) (61) 17 320 375
Manufacturing 820 (2) (22) 106
Mining/Energy (24) (18) 17 (10) (11)
Service industries 19 43 13 6 9
Retail trade 09(10) (3) 41
Wholesale trade 78 1 30 6
Agriculture 73 0 (3) 6
Transportation/Utilities (11) 16 (4) 1 0
Communications 36 0(2) (2) (4)
Other 27 10 18 20 16
Total commercial, corporate
and institutional (102) 100 54 372 563
Net charge to earnings
for general provision 200 0 125 50 0
Designated lesser developed countries 00 0 (1) (1)
Total provision for credit losses (PCL) 275 225 275 510 675
As at October 31
1997 1996 1995 1994 1993
Net Loans and Acceptances
in Canada by Province
(a)
Atlantic Provinces 3,815 3,466 3,304 3,175 2,693
Quebec 10,179 10,237 10,610 9,523 9,022
Ontario 38,456 35,240 30,971 31,106 26,013
Prairie Provinces 13,133 10,174 9,628 8,091 7,457
British Columbia and Territories 12,127 10,975 10,050 9,949 8,413
Total loans and
acceptances in Canada
(d)
77,710 70,092 64,563 61,844 53,598
Diversified Commercial
by Industry
Financial institutions 8,854 8,620 7,217 7,446 4,315
Commercial mortgages 4,552 3,542 3,378 3,570 3,142
Construction (non-real estate) 1,011 949 886 754 591
Commercial real estate 3,034 2,737 3,404 4,474 5,912
Manufacturing 9,267 7,163 7,064 5,697 5,345
Mining/Energy 4,058 3,003 2,431 2,079 1,896
Service industries 6,407 5,667 5,401 4,512 3,470
Retail trade 2,752 2,319 2,574 2,637 2,572
Wholesale trade 3,408 2,739 2,565 2,220 2,316
Agriculture 2,036 1,719 1,910 1,731 1,582
Transportation/Utilities 3,227 2,338 2,031 2,404 2,114
Communications 2,332 2,368 2,013 1,626 1,217
Other 1,809 1,175 1,617 1,789 3,168
Total diversified commercial 52,747 44,339 42,491 40,939 37,640
Other countries
(a)
Total
1997 1996 1995 1994 1993 1997 1996 1995 1994 1993
00 0 0 0 33,589 28,465 24,902 22,706 19,988
00 0 0 0 1,912 3,842 3,839 3,261 2,896
00 3 4 4 14,671 12,797 11,756 10,995 9,375
00 3 4 4 50,172 45,104 40,497 36,962 32,259
2,665 1,453 1,272 950 1,000 52,747 44,339 42,491 40,939 37,640
117 0 0 0 0 18,517 14,081 10,505 14,572 7,658
2,782 1,453 1,272 950 1,000 71,264 58,420 52,996 55,511 45,298
00 0 0 0 (775) (475) (325) (200) (100)
263 211 230 370 314 263 211 230 370 314
3,045 1,664 1,505 1,324 1,318 120,924 103,260 93,398 92,643 77,771
Other countries
(a)
Total
1997 1996 1995 1994 1993 1997 1996 1995 1994 1993
116 367 484 673 942 1,143 1,255 1,496 1,999 2,070
00 0 (4) 0 275 225 275 510 675
0(150) 0 0 0 00 0 0 0
00 0 1 1 158 103 52 75 59
(23) (105) (115) (203) (315) (357) (449) (565) (1,147) (888)
54 (2) 17 45 20 9(3) 59 83
98 116 367 484 673 1,239 1,143 1,255 1,496 1,999
00 0 0 0 (202) (150) (124) (119) (149)
00 0 0 0 (132) (194) (326) (825) (424)
(23) (105) (115) (203) (315) (23) (105) (115) (203) (315)
00 0 0 0 21 26 31 36 36
00 0 0 0 137 77 21 38 22
00 0 1 1 00 0 1 1
0.2 0.3 0.6 1.3 1.1