Bank of Montreal 2004 Annual Report Download - page 80

Table 11 Net Loans and Acceptances – Segmented Information ($ millions)
Canada United States Other countries
As at October 31 2004 2003 2002 2001 2000 2004 2003 2002 2001 2000 2004 2003 2002 2001 2000
Consumer
Residential mortgages (1) 47,533 43,533 38,865 33,741 32,342 5,728 5,307 5,469 5,000 4,211
–––––
Cards 3,698 2,963 2,275 1,521 1,382 445625 –––––
Consumer instalment and
other personal loans 16,971 15,589 14,950 14,258 14,395 7,914 6,512 6,214 4,841 3,638 –––––
Total consumer 68,202 62,085 56,090 49,520 48,119 13,646 11,823 11,688 9,847 7,874 –––––
Commercial and corporate
Commercial and corporate,
excluding securities
purchased under resale
agreements (2) 36,058 33,844 34,012 35,847 35,886 20,481 24,441 30,287 33,881 31,818 1,723 1,867 3,035 1,896 3,300
Securities purchased under
resale agreements 12,475 6,288 8,491 8,397 6,693 4,673 6,988 7,173 6,557 9,615 –––––
Total commercial and corporate 48,533 40,132 42,503 44,244 42,579 25,154 31,429 37,460 40,438 41,433 1,723 1,867 3,035 1,896 3,300
Lesser-developed
countries (LDCs) (2) –––––––––––––– 222
Total loans and acceptances,
net of specific allowances 116,735 102,217 98,593 93,764 90,698 38,800 43,252 49,148 50,285 49,307 1,723 1,867 3,035 1,896 3,522
General allowance (630) (800) (800) (855) (930) (380) (380) (380) (325) (150) –––––
Total net loans and acceptances 116,105 101,417 97,793 92,909 89,768 38,420 42,872 48,768 49,960 49,157 1,723 1,867 3,035 1,896 3,522
Table 12 Net Impaired Loans and Acceptances – Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2004 2003 2002 2001 2000 2004 2003 2002 2001 2000 2004 2003 2002 2001 2000
Consumer
Residential mortgages 120 137 119 126 138
––––––––––
Consumer instalment and
other personal loans 30 39 39 54 48 5510 2 ––––––
Total consumer 150 176 158 180 186 5510 2 ––––––
Commercial and corporate (2) 183 219 378 354 335 421 766 872 692 432 62 147 150 17 31
Total impaired loans and
acceptances, net of specific
allowances for credit losses 333 395 536 534 521 426 771 882 694 432 62 147 150 17 31
General allowance (630) (800) (800) (855) (930) (380) (380) (380) (325) (150) –––––
Total net impaired loans
and acceptances (NIL) (297) (405) (264) (321) (409) 46 391 502 369 282 62 147 150 17 31
Condition Ratios
Gross impaired loans and
acceptances 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 (3) (0.26) (0.40) (0.27) (0.35) (0.46) 0.12 0.91 1.03 0.74 0.57 3.60 7.87 4.94 0.90 0.88
NIL as a % of net loans
and acceptances (3)
To consumer 0.22 0.28 0.28 0.36 0.39 0.04 0.04 0.09 0.02
––––––
To commercial and corporate,
excluding securities
purchased under resale
agreements (2) 0.51 0.65 1.11 0.99 0.93 2.06 3.13 2.88 2.04 1.36 3.60 7.87 4.94 0.90 0.94
BMO Financial Group Annual Report 200476
Supplemental Information
Supplemental Information
(1) Excludes residential mortgages classified as commercial corporate loans (2004 – $3.2 billion,
2003 – $3.3 billion, 2002 – $3.2 billion, 2001 – $3.2 billion, 2000 – $2.9 billion).
(2) There are no impaired loans and acceptances for LDCs and securities purchased under resale
agreements and no related allowances.
(3) Aggregate balances are net of specific and general allowances; the consumer, commercial and
corporate categories are stated net of specific allowances only.
(4) Loans and acceptances returning to performing status, sales and repayments.
(5) Excludes ACL for off-balance sheet exposure of $6 million in 2003.
NA
– not available