Bank of Montreal 1998 Annual Report Download - page 69

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61
BANK OF MONTREAL GROUP OF COMPANIES
As at October 31 19 98 19 9 7 19 9 6 19 9 5 19 9 4
Net Loans and Acceptances
in Canada by Province (a)
Atlantic Provinces 4,250 3,815 3,466 3,304 3,175
Quebec 11,714 10,179 10,237 10,610 9,523
Ontario 34,421 38,456 35,240 30,971 31,106
Prairie Provinces 13,741 13,133 10,174 9,628 8,091
British Columbia and Territories 12,915 12,127 10,975 10,050 9,949
Total loans and
acceptances in Canada (d) 77,041 77,710 70,092 64,563 61,844
Diversified Commercial
by Industry
Financial institutions 9,468 8,854 8,620 7,217 7,446
Commercial mortgages 5,626 4,552 3,542 3,378 3,570
Construction (non-real estate) 1,056 1,011 949 886 754
Commercial real estate 3,601 3,034 2,737 3,404 4,474
Manufacturing 12,460 9,267 7,163 7,064 5,697
Mining/Energy 4,086 4,058 3,003 2,431 2,079
Service industries 6,600 6,407 5,667 5,401 4,512
Retail trade 2,556 2,752 2,319 2,574 2,637
Wholesale trade 3,912 3,408 2,739 2,565 2,220
Agriculture 2,471 2,036 1,719 1,910 1,731
Transportation/Utilities 3,686 3,227 2,338 2,031 2,404
Communications 2,200 2,332 2,368 2,013 1,626
Other 2,185 1,809 1,175 1,617 1,789
Total diversified commercial 59,907 52,747 44,339 42,491 40,939
PROVISION FOR CREDIT LOSSES –
SEGMENTED INFORMATION
For the year ended October 31 1998 19 9 7 19 9 6 19 9 5 19 9 4
Individuals
Residential mortgages 77635
Cards 26 138 96 67 61
Personal loans 30 32 23 26 23
Total individuals 63 177 125 96 89
Diversified commercial
Financial institutions 12 (26) 62 2 7
Commercial mortgages 015212
Construction
(non-real estate) 303216
Commercial real estate (66) (146) (61) 17 320
Manufacturing 78 20 (2) (22)
Mining/Energy (3) (24) (18) 17 (10)
Service industries (19) 19 43 13 6
Retail trade (5) 0 9 (10) (3)
Wholesale trade 178130
Agriculture (5) 730(3)
Transportation/Utilities 20 (11) 16 (4) 1
Communications 13 36 0 (2) (2)
Other (1) 27 10 18 20
Total commercial, corporate
and institutional (c) (43) (102) 100 54 372
Net charge to earnings
for general provision 110 200 0 125 50
Designated lesser
developed countries 0000(1)
Total provision for
credit losses (PCL) 130 275 225 275 510
Other countries (a) To t a l
199 8 19 9 7 19 9 6 19 9 5 19 94 199 8 19 97 19 9 6 19 9 5 19 9 4
0000033,325 33,589 28,465 24,902 22,706
00000797 1,912 3,842 3,839 3,261
0003416,086 14,671 12,797 11,756 10,995
0003450,208 50,172 45,104 40,497 36,962
3,378 2,665 1,453 1,272 950 59,907 52,747 44,339 42,491 40,939
7,455 11700027,520 18,517 14,081 10,505 14,572
10,833 2,782 1,453 1,272 950 87,427 71,264 58,420 52,996 55,511
00000(885) (775) (475) (325) (200)
288 263 211 230 370 288 263 211 230 370
11,121 3,045 1,664 1,505 1,324 137,038 120,924 103,260 93,398 92,643
Other countries (a) To t a l
199 8 19 9 7 19 9 6 19 9 5 19 94 199 8 19 97 19 9 6 19 9 5 19 9 4
98 116 367 484 673 1,239 1,143 1,255 1,496 1,999
15 000(4)130 275 225 275 510
17 0 (150) 0 0 00000
0000164 158 103 52 75
(3) (23) (105) (115) (203) (195) (357) (449) (565) (1,147)
95 4 (2) 17 34 20 9 (3) 59
136 98 116 367 484 1,272 1,239 1,143 1,255 1,496
00000(93) (202) (150) (124) (119)
00000(99) (132) (194) (326) (825)
(3) (23) (105) (115) (203) (3) (23) (105) (115) (203)
0000023 21 26 31 36
0000041 137 77 21 38
0000100001
0.1 0.2 0.3 0.6 1.3