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Supplemental Information
BMO Financial Group 190th Annual Report 2007 85
Table 13 • Net Loans and Acceptances
–
Segmented Information
($ millions)
As at October 31 2007 2006 2005 2004 2003
Net Loans and Acceptances by Province
Atlantic provinces 6,248 6,069 5,839 5,934 6,097
Quebec 15,415 16,459 16,695 15,707 15,163
Ontario 83,674 79,535 72,314 63,509 51,650
Prairie provinces 22,344 19,278 16,829 16,094 13,678
British Columbia and territories 17,979 17,786 16,410 15,491 15,629
Total net loans and acceptances in Canada 145,660 139,127 128,087 116,735 102,217
Net Commercial and Corporate Loans by Industry, excluding
Securities Borrowed or Purchased under Resale Agreements
Commercial mortgages 8,994 8,505 8,246 7,954 7,684
Commercial real estate 6,532 5,830 4,242 3,517 3,294
Construction (non-real estate) 1,425 1,102 936 939 1,009
Retail trade 4,398 3,842 3,494 3,242 3,276
Wholesale trade 3,200 3,025 2,804 2,558 2,735
Agriculture 3,471 3,211 2,842 2,536 2,597
Communications 1,218 1,547 1,179 1,415 1,742
Manufacturing 7,238 7,733 6,977 6,495 7,499
Mining 1,522 510 375 290 430
Oil and gas 5,474 5,230 2,829 2,863 1,913
Transportation 1,467 1,322 932 951 1,143
Utilities 977 985 916 771 937
Forest products 767 692 644 544 698
Service industries 8,307 6,904 7,043 6,451 6,225
Financial institutions 16,393 9,595 6,348 5,875 6,252
Other 6,539 6,042 6,878 6,400 4,996
77,922 66,075 56,685 52,801 52,430
Table 14 • Net Impaired Loans and Acceptances –
Segmented Information ($ millions)
As at October 31 2007 2006 2005 2004 2003
Net Impaired Commercial and Corporate Loans
Commercial mortgages 43 31 36 32 46
Commercial real estate 96 8223617
Construction (non-real estate) 5 7 7 17 27
Retail trade 9 21 39 37 10
Wholesale trade 24 18 24 19 104
Agriculture 18 22 15 18 17
Communications
–
88 116 149 202
Manufacturing 80 98 117 123 228
Mining
––––
63
Oil and gas
–
11
––
Transportation 15 8182829
Utilities
––
24 75 252
Forest products 5 45532
Service industries 58 36 54 68 71
Financial institutions 23 4112334
Other 21 10 21 36
–
397 356 510 666 1,132
Table 15 • Changes in Impaired Loans and
Allowances for Credit Losses ($ millions)
As at October 31 2007 2006 2005 2004 2003
Gross impaired loans and acceptances, beginning of year
666 804 1,119 1,918 2,337
Additions to impaired loans and acceptances 588 420 423 607 1,303
Reductions in impaired loans and acceptances (3) (143) (220) (319) (936) (1,156)
Write-offs (391) (338) (419) (470) (566)
Gross Impaired Loans and Acceptances, End of Year 720 666 804 1,119 1,918
Allowances for Credit Losses (ACL), beginning of year 1,058 1,128 1,308 1,785 1,949
Increases –specific allowance 395 322 290 163 402
Increases (decreases) –general allowance (7) (54) (51) (170)
–
Write-offs (391) (338) (419) (470) (566)
Allowances for Credit Losses (4), End of Year 1,055 1,058 1,128 1,308 1,785
Total
2007 2006 2005 2004 2003
49,390 60,347 57,755 53,261 48,840
4,493 3,631 4,648 3,702 2,967
33,188 30,417 27,928 24,885 22,101
87,071 94,395 90,331 81,848 73,908
77,922 66,075 56,685 52,801 52,430
37,093 31,429 28,280 22,609 20,998
115,015 97,504 84,965 75,410 73,428
202,086 191,899 175,296 157,258 147,336
(898) (905) (959) (1,010) (1,180)
201,188 190,994 174,337 156,248 146,156
Total
2007 2006 2005 2004 2003
112 110 87 120 137
54 47 38 35 44
166 157 125 155 181
397 356 510 666 1,132
563 513 635 821 1,313
(898) (905) (959) (1,010) (1,180)
(335) (392) (324) (189) 133
4.07 3.81 4.92 7.48 13.91
(0.17) (0.21) (0.19) (0.12) 0.09
0.19 0.17 0.14 0.19 0.24
0.51 0.54 0.90 1.26 2.16