TD Bank 2007 Annual Report Download - page 52

TD BANK FINANCIAL GROUP ANNUAL REPORT 2007 Management’s Discussion and Analysis48
TABLE 23 LOANS AND ACCEPTANCES, NET OF ALLOWANCE FOR CREDIT LOSSES BY INDUSTRY SECTOR1
(millions of Canadian dollars, except percentage amounts) Percentage of total
2007 2006 2005 2007 2006 2005
Canada
Residential mortgages $ 56,051 $ 50,220 $ 49,067 30.3%29.7%31.0%
Consumer installment and other personal 65,397 59,199 54,063 35.3 35.0 34.2
Total residential and personal 121,448 109,419 103,130 65.6 64.7 65.2
Real estate development
Commercial and industrial 1,213 958 1,326 0.7 0.6 0.9
Residential 2,532 2,183 1,608 1.4 1.3 1.0
Retail 506 347 388 0.3 0.2 0.2
Real estate services 282 263 267 0.2 0.2 0.2
Total real estate 4,533 3,751 3,589 2.6 2.3 2.3
Agriculture 2,481 2,243 2,187 1.3 1.3 1.4
Apparel and textile 339 303 309 0.2 0.2 0.2
Automotive 1,013 1,330 1,283 0.5 0.8 0.8
Cable 307 278 386 0.2 0.2 0.2
Chemical 584 479 424 0.3 0.3 0.3
Construction 894 912 754 0.5 0.5 0.5
Financial 5,301 3,299 3,745 3.0 1.9 2.4
Food, beverage and tobacco 1,811 1,498 1,367 1.0 0.9 0.9
Forestry 459 508 530 0.2 0.3 0.3
Government 931 557 537 0.5 0.3 0.3
Health and social services 1,688 1,680 1,264 1.0 1.0 0.8
Media and entertainment 1,379 2,078 1,201 0.7 1.2 0.8
Metals and mining 635 975 451 0.3 0.6 0.3
Oil and gas 2,740 2,678 1,205 1.5 1.5 0.8
Retail 1,153 1,105 1,020 0.6 0.7 0.6
Sundry manufacturing 1,037 859 810 0.6 0.5 0.5
Telecommunications 384 120 21 0.2 0.1 –
Transportation 532 543 520 0.3 0.3 0.3
Utilities 1,146 482 558 0.6 0.3 0.3
All other loans 1,593 1,505 1,738 1.0 0.9 1.1
Total business and government 30,940 27,183 23,899 17.1 16.1 15.1
Total Canada 152,388 136,602 127,029 82.7 80.8 80.3
United States
Residential mortgages 2,413 3,165 3,625 1.3 1.9 2.3
Consumer installment and other personal 7,257 8,336 11,258 3.9 4.9 7.1
Total residential and personal 9,670 11,501 14,883 5.2 6.8 9.4
Real estate development
Residential 1,887 1,614 1,498 1.0 1.0 0.9
Real estate services 7,371 8,894 6,009 4.0 5.3 3.8
Total real estate 9,258 10,508 7,507 5.0 6.3 4.7
Agriculture 168 118 103 0.1 0.1 0.1
Apparel and textile 91 64 39 –– –
Automotive 420 309 317 0.2 0.2 0.2
Cable 70 195 161 –0.1 0.1
Chemical 276 272 208 0.1 0.2 0.1
Construction 532 295 291 0.3 0.2 0.2
Financial 2,894 842 1,280 1.6 0.5 0.9
Food, beverage and tobacco 380 236 198 0.2 0.1 0.1
Forestry 228 350 178 0.1 0.2 0.1
Government 176 110 290 0.1 0.1 0.2
Health and social services 369 337 369 0.2 0.2 0.3
Media and entertainment 410 478 448 0.2 0.3 0.3
Metals and mining 362 177 193 0.2 0.1 0.1
Oil and gas 428 290 192 0.2 0.2 0.1
Retail 738 321 214 0.4 0.2 0.1
Sundry manufacturing 460 457 448 0.2 0.3 0.3
Telecommunications 235 233 230 0.1 0.1 0.1
Transportation 445 210 197 0.2 0.1 0.1
Utilities 412 231 292 0.2 0.1 0.2
All other loans 1,206 2,905 1,491 0.7 1.6 1.0
Total business and government 19,558 18,938 14,646 10.3 11.2 9.3
Total United States 29,228 30,439 29,529 15.5 18.0 18.7
Other International
Consumer installment and other personal 98 9 –– –
Total residential and personal 98 9 –– –
Real estate development
Retail 17 – – –– –
Total real estate 17 – – –– –
Automotive 2 0 –83 ––0.1
Cable 48 63 ––– –
Chemical 35 –52 –– –
Construction 75 – 6 –– –
Financial 1,295 918 755 0.7 0.5 0.5
Food, beverage and tobacco 136 116 97 0.1 0.10.1
Forestry 26 2 3 –– –
Government ––14 –– –
Media and entertainment 358 180 199 0.2 0.1 0.1
Metals and mining 904 288 110 0.5 0.2 0.1
Sundry manufacturing 28 – 1 –– –
Telecommunications 37 29 51 –– –
Transportation 183 110 52 0.1 0.1 –
Utilities 362 487 217 0.2 0.2 0.1
All other loans 45 42 25 –– –
Total business and government 3,569 2,235 1,665 1.8 1.2 1.0
Total Other International 3,578 2,243 1,674 1.8 1.2 1.0
Total $ 185,194 $ 169,284 $ 158,232 100.0%100.0%100.0%
Percentage change 9.4%7.0%22.3%
1 Based on geographic location of unit responsible for recording revenue.