Bank of Montreal 2007 Annual Report Download - page 88

Supplemental Information
Supplemental Information
84 BMO Financial Group 190th Annual Report 2007
Table 11 • Net Loans and Acceptances –Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2007 2006 2005 2004 2003 2007 2006 2005 2004 2003 2007 2006 2005 2004 2003
Consumer
Residential mortgages (1) 43,442 53,922 51,481 47,533 43,533 5,948 6,425 6,274 5,728 5,307
–––––
Cards 4,493 3,631 4,648 3,698 2,963 ––– 44 –––––
Consumer instalment and
other personal loans 24,393 20,482 18,683 16,971 15,589 8,795 9,935 9,245 7,914 6,512 –––––
Total consumer 72,328 78,035 74,812 68,202 62,085 14,743 16,360 15,519 13,646 11,823 –––––
Commercial and corporate
Commercial and corporate,
excluding securities
borrowed or purchased
under resale agreements 51,548 42,453 37,097 35,300 33,844 21,531 21,024 17,600 15,778 16,719 4,843 2,598 1,988 1,723 1,867
Securities borrowed or
purchased under
resale agreements 21,784 18,639 16,178 13,233 6,288 15,309 12,790 12,102 9,376 14,710 –––––
Total commercial and corporate 73,332 61,092 53,275 48,533 40,132 36,840 33,814 29,702 25,154 31,429 4,843 2,598 1,988 1,723 1,867
Total loans and acceptances,
net of specific allowances 145,660 139,127 128,087 116,735 102,217 51,583 50,174 45,221 38,800 43,252 4,843 2,598 1,988 1,723 1,867
General allowance (587) (555) (590) (630) (800) (311) (350) (369) (380) (380) –––––
Total net loans and acceptances 145,073 138,572 127,497 116,105 101,417 51,272 49,824 44,852 38,420 42,872 4,843 2,598 1,988 1,723 1,867
Table 12 • Net Impaired Loans and Acceptances –Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2007 2006 2005 2004 2003 2007 2006 2005 2004 2003 2007 2006 2005 2004 2003
Consumer
Residential mortgages 112 110 87 120 137 ––––––––––
Consumer instalment and
other personal loans 54 42 33 30 39 – 5555 –––––
Total consumer 166 152 120 150 176 – 5555 –––––
Commercial and corporate 183 143 166 183 219 211 202 326 421 766 311 18 62 147
Total impaired loans and
acceptances, net of specific
allowances for credit losses 349 295 286 333 395 211 207 331 426 771 311 18 62 147
General allowance (587) (555) (590) (630) (800) (311) (350) (369) (380) (380) –––––
Total net impaired loans
and acceptances (NIL) (238) (260) (304) (297) (405) (100) (143) (38) 46 391 311 18 62 147
Condition Ratios
Gross impaired loans and
acceptances as a % of equity
and allowance for credit losses un un un un un un un un un un un un un un un
NIL as a % of net loans
and acceptances (2) (0.16) (0.19) (0.24) (0.26) (0.40) (0.20) (0.29) (0.08) 0.12 0.91 0.06 0.42 0.91 3.60 7.87
NIL as a % of net loans
and acceptances (2)
Consumer 0.23 0.19 0.16 0.22 0.28
– 0.03 0.03 0.04 0.04 –––––
Commercial and corporate,
excluding securities
borrowed or purchased
under resale agreements 0.36 0.34 0.45 0.52 0.65 0.98 0.96 1.85 2.67 4.58 0.06 0.42 0.91 3.60 7.87
(1) Excludes residential mortgages classified as commercial corporate loans (2007 –$3.0 billion,
2006 –$2.9 billion, 2005 –$3.1 billion, 2004 –$3.2 billion, 2003 –$3.3 billion).
(2) Aggregate balances are net of specific and general allowances; the consumer, commercial
and corporate categories are stated net of specific allowances only.
(3) Includes amounts returning to performing status, sales, repayments, the impact of foreign
exchange, and offsets for consumer write-offs that are not recognized as formations.
(4) Excludes ACL for off-balance sheet exposure of $6 million in 2003.
un –unavailable, as equity is not allocated on a country of risk basis