Bank of Montreal 2013 Annual Report Download - page 107
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Supplemental Information
SUPPLEMENTAL INFORMATION
Table 18: Specific Allowances for Credit Losses –
Segmented Information ($ millions)
As at October 31 2013 2012 2011 2010 2009
Business and Governments Specific
Allowances by Industry
Commercial mortgages 36 53 45 55 29
Commercial real estate 32 55 102 65 76
Construction (non-real estate) 25 21 16 40 7
Retail trade 12 13 13 12 8
Wholesale trade 23 6 8 23 28
Agriculture 9 8 8 17 19
Communications – 1 – 1 –
Manufacturing 28 59 37 85 129
Mining 3 – – – –
Oil and gas 1 2 3 2 6
Transportation 4 1 9 9 21
Utilities – 1 – – –
Forest products 11 15 14 15 22
Service industries 50 65 45 51 43
Financial institutions 29 8 63 101 113
Government 1 1 2 2 2
Other 30 10 18 4 9
Total specific allowances for credit losses on businesses and governments loans (7) 294 319 383 482 512
Table 19: Provision for Credit Losses –
Segmented Information ($ millions)
For the year ended October 31 2013 2012 2011 2010 2009
Consumer
Residential mortgages 129 132 109 107 104
Cards 307 356 376 194 174
Consumer instalment and other personal loans 313 387 291 329 372
Total consumer 749 875 776 630 650
Businesses and Governments
Commercial mortgages (116) (15) 109 87 114
Commercial real estate (118) (87) 70 91 277
Construction (non-real estate) 37 (12) 20 48 31
Retail trade 3 (1) 7 22 7
Wholesale trade 15 (16) (1) 9 44
Agriculture 6 2 7 8 10
Communications (6) (5) (9) 8 3
Manufacturing (3) 23 47 9 237
Mining 2 (1) – – –
Oil and gas – – 1 (1) 7
Transportation (8) 5 7 18 32
Utilities – – – – –
Forest products 2 6 4 (4) 17
Service industries 11 26 31 59 50
Financial institutions (17) (29) 45 66 62
Government (6) – – – 1
Other 48 (9) 12 (1) 1
Total businesses and governments (150) (113) 350 419 893
Total specific provisions 599 762 1,126 1,049 1,543
Collective provision for credit losses (10) 3 86 – 60
Total provision for credit losses 589 765 1,212 1,049 1,603
Adjusted provision for credit losses (8) 359 471 1,108 1,049 1,543
Performance Ratios (%)
PCL-to-average net loans and acceptances (2) (6) 0.22 0.31 0.56 0.61 0.88
PCL-to-segmented average net loans and acceptances (6)
Consumer 0.49 0.62 0.57 0.66 0.70
Businesses and governments (0.18) (0.15) 0.45 0.55 1.00
Specific PCL-to-average net loans and acceptances 0.23 0.31 0.52 0.61 0.85
PCL-to-average net loans and acceptances excluding purchased portfolios (2) (6) 0.32 0.42 0.55 0.61 0.88
Adjusted PCL-to-average net loans and acceptances (2) (6) 0.14 0.21 0.54 0.61 0.85
118 BMO Financial Group 196th Annual Report 2013