Bank of Montreal 2014 Annual Report Download - page 103

Supplemental Information
SUPPLEMENTAL INFORMATION
Table 11: Changes in Gross Impaired Loans –
Segmented Information ($ millions)
Canada United States Other countries
As at October 31 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010 2014 2013 2012 2011 2010
Gross impaired loans and acceptances (GIL),
beginning of year
Consumer 348 338 371 412 417 702 646 388 309 194 –––––
Businesses and governments 406 548 586 540 533 1,081 1,401 1,326 1,551 1,967 743 14 82 186
Total GIL, beginning of year 754 886 957 952 950 1,783 2,047 1,714 1,860 2,161 743 14 82 186
Additions to impaired loans and
acceptances
Consumer 643 584 533 573 567 529 637 764 333 374 –––––
Businesses and governments 285 294 352 424 410 685 931 1,416 661 978 –336 1 1
Total additions 928 878 885 997 977 1,214 1,568 2,180 994 1,352 –336 1 1
Reductions to impaired loans and
acceptances (3)
Consumer (431) (416) (386) (413) (352) (321) (243) (45) 7 44 –––––
Businesses and governments (224) (274) (314) (242) (287) (859) (973) (880) (597) (1,052) (2) (36) (6) (40) (103)
Total reductions due to net repayments
and other (655) (690) (700) (655) (639) (1,180) (1,216) (925) (590) (1,008) (2) (36) (6) (40) (103)
Write-offs
Consumer (162) (158) (180) (201) (220) (232) (338) (461) (261) (303) –––––
Businesses and governments (123) (162) (76) (136) (116) (284) (278) (461) (289) (342) –(3) (1) (29) (2)
Total write-offs (285) (320) (256) (337) (336) (516) (616) (922) (550) (645) –(3) (1) (29) (2)
Gross impaired loans and acceptances,
end of year
Consumer 398 348 338 371 412 678 702 646 388 309 –––––
Businesses and governments 344 406 548 586 540 623 1,081 1,401 1,326 1,551 57431482
Total GIL, end of year 742 754 886 957 952 1,301 1,783 2,047 1,714 1,860 57431482
Condition Ratios
GIL as a % of Gross Loans (6)
Consumer 0.27 0.24 0.26 0.31 0.48 2.87 3.12 3.03 1.74 2.03 –––––
Businesses and governments 0.54 0.68 1.00 1.15 1.11 1.10 2.34 3.28 3.20 7.99 0.04 0.10 0.91 0.30 0.88
Total Loans and Acceptances 0.35 0.37 0.47 0.56 0.71 1.62 2.60 3.20 2.69 5.37 0.04 0.10 0.91 0.30 0.88
GIL as a % of equity and allowance for
credit losses (2) (5) (9) un un un un un un un un un un un un un un un
114 BMO Financial Group 197th Annual Report 2014
Total
2014 2013 2012 2011 2010
1,050 984 759 721 611
1,494 1,992 1,926 2,173 2,686
2,544 2,976 2,685 2,894 3,297
1,172 1,221 1,297 906 941
970 1,228 1,804 1,086 1,389
2,142 2,449 3,101 1,992 2,330
(752) (659) (431) (406) (308)
(1,085) (1,283) (1,200) (879) (1,442)
(1,837) (1,942) (1,631) (1,285) (1,750)
(394) (496) (641) (462) (523)
(407) (443) (538) (454) (460)
(801) (939) (1,179) (916) (983)
1,076 1,050 984 759 721
972 1,494 1,992 1,926 2,173
2,048 2,544 2,976 2,685 2,894
0.62 0.63 0.64 0.53 0.71
0.74 1.32 1.95 1.99 2.80
0.67 0.91 1.17 1.12 1.62
5.49 7.68 9.46 8.98 12.18
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