Bank of Montreal 2012 Annual Report Download - page 111

Supplemental Information
SUPPLEMENTAL INFORMATION
Table 11: Net Loans and Acceptances –
Segmented Information ($ millions)
Canada United States Other countries
As at October 31 2012 2011 2010 2009 2008 2012 2011 2010 2009 2008 2012 2011 2010 2009 2008
Consumer
Residential mortgages (1) 76,649 68,190 40,730 36,916 38,490 7,416 7,945 4,982 6,160 8,086 –––––
Cards 7,381 7,564 3,056 2,574 2,117 433 474 252 – 3 –––––
Consumer instalment and
other personal loans 47,955 45,584 41,112 35,296 31,633 13,419 13,802 10,000 10,477 12,102 –––––
Total consumer 131,985 121,338 84,898 74,786 72,240 21,268 22,221 15,234 16,637 20,191 –––––
Commercial and corporate 57,355 50,737 49,414 46,062 52,148 42,535 41,209 19,148 21,560 31,827 4,724 4,649 9,246 10,090 11,877
Total loans and acceptances,
net of specific allowances 189,340 172,075 134,312 120,848 124,388 63,803 63,430 34,382 38,197 52,018 4,724 4,649 9,246 10,090 11,877
Collective allowance (705) (687) (595) (589) (579) (755) (765) (702) (717) (742) –––––
Total net loans and
acceptances 188,635 171,388 133,717 120,259 123,809 63,048 62,665 33,680 37,480 51,276 4,724 4,649 9,246 10,090 11,877
Table 12: Net Impaired Loans and Acceptances –
Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2012 2011 2010 2009 2008 2012 2011 2010 2009 2008 2012 2011 2010 2009 2008
Consumer
Residential mortgages 182 178 227 236 211 335 221 220 121 – –––––
Consumer instalment and
other personal loans 64 101 96 97 89 275 128 79 73 91 –––––
Total consumer 246 279 323 333 300 610 349 299 194 91 –––––
Commercial and corporate 377 433 372 376 374 1,271 1,108 1,279 1,673 1,147 25 2 40 125 49
Total impaired loans and
acceptances, net of
specific allowances 623 712 695 709 674 1,881 1,457 1,578 1,867 1,238 25 2 40 125 49
Collective allowance (705) (687) (595) (589) (579) (755) (765) (702) (717) (742) –––––
Total net impaired loans and
acceptances (NIL) (82) 25 100 120 95 1,126 692 876 1,150 496 25 2 40 125 49
Condition Ratios
NIL as a % of net loans and
acceptances (3) (4) (0.04) 0.01 0.07 0.10 0.08 1.81 1.15 2.62 3.07 0.97 0.53 0.04 0.43 1.24 0.41
NIL as a % of net loans and
acceptances (3) (4)
Consumer 0.19 0.23 0.38 0.45 0.42 2.87 1.57 1.96 1.17 0.45 –––––
Commercial and corporate 0.66 0.85 0.76 0.82 0.72 2.99 2.69 6.78 7.76 3.60 0.53 0.04 0.43 1.24 0.41
NIL as a % of net loans and
acceptances excluding
purchased portfolios (3) (4) (0.04) 0.01 0.07 0.10 0.08 1.03 1.86 2.66 3.07 0.97 0.53 0.04 0.43 1.24 0.41
2010 and prior in Tables 11 – 19 based on CGAAP.
(1) Excludes residential mortgages classified as commercial corporate loans.
(2) Effective in 2011, the total equity includes non-controlling interest in subsidiaries. In
addition, geographic allocations are not available, as equity is not allocated on a country of
risk basis.
(3) Aggregate balances are net of specific and collective allowances; the consumer and
commercial and corporate categories are stated net of specific allowances only.
(4) Ratio is presented including purchased portfolios and prior periods have been restated. The
above ratios are also presented excluding purchased portfolios, to provide for better
historical comparisons (refer to the Acquisition of Marshall and Ilsley section on page 34 for
details).
(5) Beginning with our 2009 reporting of net loans and acceptances by province, we changed
the source of our data for the provincial distribution table. This change resulted in a shift in
the provincial distribution to what we believe is a more accurate representation of our
portfolio. In 2009, we restated 2008 data to reflect this change.
(6) In 2009, the industry allocation of impaired loans for U.S. operations was revised to
reclassify impairment of commercial mortgages to the commercial mortgages category.
Previously commercial mortgages for U.S. operations were classified in applicable industry
categories. 2008 has not been restated.
(7) Beginning in 2008, our industry segmentation was improved to provide a split between
government and financial institutions.
(8) Includes amounts returning to performing status, sales, repayments, the impact of foreign
exchange, and offsets for consumer write-offs that are not recognized as formations.
(9) Amounts for 2012 exclude specific allowances of $29 million related to Other Credit
Instruments ($45 million for 2011) included in Other Liabilities.
(10) Adjusted provision for credit losses exclude provisions related to the M&I purchased
portfolio and changes to the collective allowance.
(11) Results for years prior to 2011 have not been restated and are presented in accordance
with Canadian GAAP as defined at the time. For 2011, the allowance for credit losses at the
beginning of year has been restated to comply with the requirements of IFRS.
un – unavailable
108 BMO Financial Group 195th Annual Report 2012