Bank of Montreal 1998 Annual Report Download - page 70

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62
BANK OF MONTREAL GROUP OF COMPANIES
SUPPLEMENTAL INFORMATION
TABLE 11 ALLOCATION OF ALLOWANCE FOR CREDIT LOSSES – SEGMENTED INFORMATION ($ millions except as noted)
Canada (a) United States (a) Mexico (a)
As at October 31 1998 19 9 7 19 9 6 19 9 5 19 9 4 199 8 19 97 19 9 6 19 9 5 19 9 4 199 8 19 9 7 19 9 6 19 9 5 19 9 4
Individuals
Residential mortgages 499660000000000
Cards 000000000000000
Personal loans 4598105669800000
Total individuals 814 18 14 16 5669800000
Diversified commercial (b) 125 255 292 301 487 113 90 234 239 301 00000
General allowance 735 625 425 275 150 150 150 50 50 50 00000
Designated lesser-developed
countries (LDC)
Specific allowance 000000000000000
Country risk allowance 000000000000000
Off-balance sheet 012000000000000
Allowance for
credit losses (ACL) 868 895 737 590 653 268 246 290 298 359 00000
Coverage Ratios
ACL as a % of gross
impaired loans and
acceptances (GIL) 170.9 169.3 91.9 78.2 57.3 118.6 96.9 49.2 30.8 28.8 0.0 0.0 0.0 0.0 0.0
ACL as a % of GIL (c)
Individuals 5.4 10.8 10.8 12.5 16.0 100.0 100.0 100.0 100.0 100.0 0.0 0.0 0.0 0.0 0.0
Diversified commercial (b) 34.6 64.1 46.1 46.9 46.8 51.1 36.3 40.1 24.9 24.3 0.0 0.0 0.0 0.0 0.0
Designated LDC (d) na na na na na na na na na na na na na na na
TABLE 12 NET IMPAIRED LOANS AND ACCEPTANCES (NIL) – SEGMENTED INFORMATION ($ millions except as noted)
Canada (a) United States (a) Mexico (a)
As at October 31 1998 19 9 7 19 9 6 19 9 5 19 9 4 199 8 19 97 19 9 6 19 9 5 19 9 4 199 8 19 9 7 19 9 6 19 9 5 19 9 4
Individuals
Residential mortgages 105 94 122 66 45 0000000000
Cards 5354110000000000
Personal loans 29 19 22 28 28 0000000000
Total individuals 139 116 149 98 84 0000000000
Diversified commercial (b) 236 143 341 341 553 108 158 349 721 939 00000
General allowance (735) (625) (425) (275) (150) (150) (150) (50) (50) (50) 00000
Designated lesser-developed
countries (LDC) 000000000000000
Total net impaired loans
and acceptances (360) (366) 65 164 487 (42) 8 299 671 889 00000
Condition Ratios
Gross impaired loans and
acceptances (GIL) as a %
of equity and allowance
for credit losses NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA
NIL as a % of net loans
and acceptances (0.47) (0.47) 0.09 0.26 0.79 (0.09) 0.02 0.95 2.47 3.05 0.00 0.00 0.00 0.00 0.00
NIL as a % of net loans
and acceptances (e)
Individuals 0.32 0.26 0.37 0.27 0.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Diversified commercial 0.87 0.55 1.46 1.44 2.39 0.38 0.67 1.82 4.21 5.72 0.00 0.00 0.00 0.00 0.00
Designated LDC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(a) Geographic location is based on the ultimate risk of the underlying asset.
(b) No allowance or impaired exposure for securities purchased under resale agreements.
(c) Segment ACL as a percentage of segment GIL.
(d) Excludes LDC reservations in excess of impaired loans (1998 – $98 million,
1997 – $93 million, 1996 – $108 million, 1995 – $360 million, 1994 – $425 million).
(e) Segmented NIL as a percentage of segment net loans and acceptances.
(f) Includes allowance of U.S. subsidiary in excess of impaired loans.
na – Not applicable
NA – Not available