Bank of Montreal 2012 Annual Report Download - page 114
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Supplemental Information
Total
2012 2011 2010 2009 2008
2,011 1,973 1,902 1,747 1,055
765 1,212 1,049 1,603 1,330
––36 – –
846 241 183 145 114
(1,594) (1,330) (1,216) (1,492) (970)
(92) (85) (67) (101) 218
1,936 2,011 1,887 1,902 1,747
(1,056) (876) (752) (685) (428)
(538) (454) (464) (807) (542)
216 141 137 104 91
630 100 46 41 23
0.3 0.5 0.6 0.7 0.5
0.4 0.5 0.6 0.7 0.5
Total
2012 2011 2010 2009 2008
66 72 52 33 13
62 59 47 51 2
128 131 99 84 15
319 383 482 512 411
29 45 9 – –
476 559 590 596 426
1,460 1,452 1,297 1,306 1,321
1,936 2,011 1,887 1,902 1,747
64.1 73.2 64.9 57.7 73.2
13.1 17.3 13.7 13.7 3.7
16.0 19.9 22.2 19.1 20.7
83.7 74.5 64.9 57.7 73.2
Table 18: Provision for Credit Losses –
Segmented Information ($ millions)
For the year ended October 31 2012 2011 2010 2009 2008
Consumer
Residential mortgages 132 109 107 104 5
Cards 356 376 194 174 154
Consumer instalment and other personal loans 387 291 329 372 178
Total consumer 875 776 630 650 337
Commercial and Corporate
Commercial mortgages (6) (15) 109 87 114 1
Commercial real estate (87) 70 91 277 254
Construction (non-real estate) (12) 20 48 31 2
Retail trade (1) 722 710
Wholesale trade (16) (1) 9 44 3
Agriculture 27 8 10 2
Communications (5) (9) 8 3 –
Manufacturing 23 47 9 237 132
Mining (1) ––––
Oil and gas –1 (1) 7 27
Transportation 57183212
Utilities –––––
Forest products 64 (4) 17 5
Service industries 26 31 59 50 33
Financial institutions (29) 45 66 62 251
Government –––12
Other (9) 12 (1) 1 (1)
Total commercial and corporate (113) 350 419 893 733
Total specific provisions 762 1,126 1,049 1,543 1,070
Collective provision for credit losses 386 – 60 260
Total provision for credit losses 765 1,212 1,049 1,603 1,330
Adjusted provision for credit losses (10) 471 1,108 1,049 1,543 1,070
Table 19: Specific Allowances for Credit Losses –
Segmented Information ($ millions)
As at October 31 2012 2011 2010 2009 2008
Commercial and Corporate Specific
Allowances by Industry
Commercial mortgages (6) 53 45 55 29 –
Commercial real estate 55 102 65 76 108
Construction (non-real estate) 21 16 40 7 4
Retail trade 13 13 12 8 6
Wholesale trade 68232814
Agriculture 881719 9
Communications 1–1 – –
Manufacturing 59 37 85 129 108
Mining –––––
Oil and gas 232625
Transportation 19 9 21 8
Utilities 1––––
Forest products 15 14 15 22 6
Service industries 65 45 51 43 23
Financial institutions 863 101 113 70
Government 12222
Other 10 18 4 9 28
Total specific allowances for credit losses on
commercial and corporate loans (6) 319 383 482 512 411
BMO Financial Group 195th Annual Report 2012 111