Bank of Montreal 2014 Annual Report Download - page 101

Supplemental Information
SUPPLEMENTAL INFORMATION
Table 7: Net Loans and Acceptances –
Segmented Information ($ millions) (6) (8)
Canada United States Other countries
As at October 31 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010
Consumer
Residential mortgages 92,972 88,677 76,729 68,190 40,730 7,955 7,636 7,416 7,945 4,982 –––––
Credit cards 7,476 7,413 7,381 7,564 3,056 496 457 433 474 252 –––––
Consumer instalment and
other personal loans 48,955 49,195 47,955 45,584 41,112 15,113 14,374 13,419 13,802 10,000 1––––
Total consumer 149,403 145,285 132,065 121,338 84,898 23,564 22,467 21,268 22,221 15,234 1––––
Total businesses and
governments 63,896 57,967 53,069 50,737 49,414 56,389 45,842 42,955 41,209 19,148 11,145 8,954 5,748 4,649 9,246
Total loans and acceptances,
net of specific allowances 213,299 203,252 185,134 172,075 134,312 79,953 68,309 64,223 63,430 34,382 11,146 8,954 5,748 4,649 9,246
Collective allowance (795) (791) (705) (687) (595) (747) (694) (755) (765) (702) –––––
Total net loans and acceptances 212,504 202,461 184,429 171,388 133,717 79,206 67,615 63,468 62,665 33,680 11,146 8,954 5,748 4,649 9,246
Table 8: Net Impaired Loans and Acceptances –
Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010
Consumer
Residential mortgages 168 157 182 178 227 278 359 335 221 220 –––––
Consumer instalment and
other personal loans 136 100 64 101 96 334 284 275 128 79 –––––
Total consumer 304 257 246 279 323 612 643 610 349 299 –––––
Businesses and governments 247 253 377 433 372 507 944 1,271 1,108 1,279 4325 240
Total impaired loans and
acceptances, net of specific
allowances 551 510 623 712 695 1,119 1,587 1,881 1,457 1,578 4325 240
Collective allowance (795) (791) (705) (687) (595) (747) (694) (755) (765) (702) –––––
Total net impaired loans and
acceptances (NIL) (244) (281) (82) 25 100 372 893 1,126 692 876 4325 240
Condition Ratios (6)
NIL as a % of net loans and
acceptances (1) (2) (0.12) (0.14) (0.04) 0.01 0.07 0.48 1.34 1.81 1.15 2.62 0.04 0.03 0.43 0.04 0.43
NIL as a % of net loans and
acceptances (1) (2) (9)
Consumer 0.20 0.18 0.19 0.23 0.38 2.60 2.87 2.87 1.57 1.96 –––––
Businesses and governments 0.39 0.43 0.66 0.85 0.76 0.90 2.08 2.99 2.69 6.78 0.04 0.03 0.43 0.04 0.43
2010 in Tables 7 – 15 based on CGAAP.
2011 has not been restated to reflect the new IFRS standards adopted in 2014.
(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.
(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 2010 have not been restated under IFRS 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 2014 exclude specific allowances of $50 million related to Other Credit
Instruments (2013 – $41 million, 2012 – $29 million, 2011 – $45 million, 2010 – $9
million) included in Other Liabilities.
(8) Fiscal 2013, 2012, 2011 and 2010 balances were reclassified in the first quarter of
2014 to conform to the current period’s presentation.
(9) Certain condition and performance ratios for 2013 and 2012 were restated in the
first quarter of 2014 to conform to the current period’s presentation.
un – unavailable
112 BMO Financial Group 197th Annual Report 2014
Total
2014 2013 2012 2011 2010
100,927 96,313 84,145 76,135 45,712
7,972 7,870 7,814 8,038 3,308
64,069 63,569 61,374 59,386 51,112
172,968 167,752 153,333 143,559 100,132
131,430 112,763 101,772 96,595 77,808
304,398 280,515 255,105 240,154 177,940
(1,542) (1,485) (1,460) (1,452) (1,297)
302,856 279,030 253,645 238,702 176,643
Total
2014 2013 2012 2011 2010
446 516 517 399 447
470 384 339 229 175
916 900 856 628 622
758 1,200 1,673 1,543 1,691
1,674 2,100 2,529 2,171 2,313
(1,542) (1,485) (1,460) (1,452) (1,297)
132 615 1,069 719 1,016
0.04 0.22 0.42 0.30 0.57
0.53 0.54 0.56 0.44 0.62
0.58 1.07 1.67 1.63 2.18