Bank of Montreal 2013 Annual Report Download - page 101

SUPPLEMENTAL INFORMATION
Table 11: Net Loans and Acceptances –
Segmented Information ($ millions) (6)
Canada United States Other countries
As at October 31 2013 2012 2011 2010 2009 2013 2012 2011 2010 2009 2013 2012 2011 2010 2009
Consumer
Residential mortgages 88,612 76,649 68,190 40,730 36,916 7,636 7,416 7,945 4,982 6,160 – ––– –
Credit cards 7,413 7,381 7,564 3,056 2,574 457 433 474 252 – – ––– –
Consumer instalment and
other personal loans 49,195 47,955 45,584 41,112 35,296 14,374 13,419 13,802 10,000 10,477 – ––– –
Total consumer 145,220 131,985 121,338 84,898 74,786 22,467 21,268 22,221 15,234 16,637 – ––– –
Total businesses and
governments 59,242 54,582 50,737 49,414 46,062 46,039 42,535 41,209 19,148 21,560 7,348 4,724 4,649 9,246 10,090
Total loans and acceptances,
net of specific allowances 204,462 186,567 172,075 134,312 120,848 68,506 63,803 63,430 34,382 38,197 7,348 4,724 4,649 9,246 10,090
Collective allowance (791) (705) (687) (595) (589) (694) (755) (765) (702) (717) – ––– –
Total net loans and
acceptances 203,671 185,862 171,388 133,717 120,259 67,812 63,048 62,665 33,680 37,480 7,348 4,724 4,649 9,246 10,090
Supplemental Information
Table 12: Net Impaired Loans and Acceptances –
Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2013 2012 2011 2010 2009 2013 2012 2011 2010 2009 2013 2012 2011 2010 2009
Consumer
Residential mortgages 157 182 178 227 236 359 335 221 220 121 – – – – –
Consumer instalment and
other personal loans 100 64 101 96 97 284 275 128 79 73 – – – – –
Total consumer 257 246 279 323 333 643 610 349 299 194 – – – – –
Businesses and governments 253 377 433 372 376 944 1,271 1,108 1,279 1,673 3 25 2 40 125
Total impaired loans and
acceptances, net of
specific allowances 510 623 712 695 709 1,587 1,881 1,457 1,578 1,867 3 25 2 40 125
Collective allowance (791) (705) (687) (595) (589) (694) (755) (765) (702) (717) – – – – –
Total net impaired loans and
acceptances (NIL) (281) (82) 25 100 120 893 1,126 692 876 1,150 3 25 2 40 125
Condition Ratios (6)
NIL as a % of net loans and
acceptances (1) (2) (0.14) (0.04) 0.01 0.07 0.10 1.33 1.83 1.15 2.62 3.07 0.04 0.53 0.04 0.43 1.24
NIL as a % of net loans and
acceptances (1) (2)
Consumer 0.18 0.19 0.23 0.38 0.45 2.87 2.87 1.57 1.96 1.17 – – – – –
Businesses and
governments 0.43 0.66 0.85 0.76 0.82 2.08 2.99 2.69 6.78 7.76 0.04 0.53 0.04 0.43 1.24
NIL as a % of net loans and
acceptances excluding
purchased portfolios (1) (2) (0.14) (0.04) 0.01 0.07 0.10 0.29 1.03 1.86 2.66 3.07 0.04 0.53 0.04 0.43 1.24
2010 and prior in Tables 11 – 19 based on CGAAP.
(1) Aggregate balances are net of specific and collective allowances; the consumer and
businesses and governments categories are stated net of specific allowances only.
(2) Ratio is presented including purchased portfolios and prior periods have been restated. The
ratios are presented excluding purchased portfolios, to provide for better historical
comparisons.
(3) 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.
(4) 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.
(5) Effective in 2011, 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.
(6) Certain balances and ratios (coverage, condition and performance) for fiscal 2012 were
restated in the first quarter of 2013 to conform to the current period’s presentation.
(7) Amounts for 2013 exclude specific allowances of $41 million related to Other Credit
Instruments (2012 $29 million, 2011 $45 million, 2010 $9 million, 2009 nil) included in
Other Liabilities.
(8) Adjusted provision for credit losses excludes provisions related to the M&I purchased
performing loans portfolio and changes to the collective allowance.
un – unavailable
112 BMO Financial Group 196th Annual Report 2013