Bank of Montreal 2007 Annual Report Download - page 91

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Supplemental Information
BMO Financial Group 190th Annual Report 2007 87
Table 18 • Provision for Credit Losses –Segmented Information ($ millions)
For the year ended October 31 2007 2006 2005 2004 2003
Consumer
Residential mortgages 11 7338
Cards 137 132 141 106 78
Consumer instalment and other personal loans 81 67 53 60 55
229 206 197 169 141
Commercial and Corporate (1)
Commercial mortgages
––
421
Commercial real estate 14 (2) 2 6 (16)
Construction (non-real estate) 1(2) 9 9 1
Retail trade 7(5) 15 2 (7)
Wholesale trade 74 13 9 (1)
Agriculture 524205
Communications
–
(6) (34) (12) 7
Manufacturing (9) 20 23 (37) 116
Mining
–––
(1) 10
Oil and gas
–––
(4) (18)
Transportation 47 13 (17) 29
Utilities
–
(19) (26) (87) 69
Forest products
–
(1)
–
(7) 37
Service industries 22 5 13 58
Financial institutions 40 (1) (1) 13 2
Other 36 (5) (11) 21
74 5 22 (102) 314
Total specific provisions 303 211 219 67 455
Change in general allowance 50 (35) (40) (170)
–
Total provision for credit losses 353 176 179 (103) 455
(1) There have been no provisions for credit losses on securities borrowed or purchased under resale agreements.
Table 19 • Specific Allowance for Credit Losses –
Segmented Information ($ millions)
As at October 31 2007 2006 2005 2004 2003
Commercial and Corporate Specific
Allowance by Industry
Commercial mortgages
–––––
Commercial real estate 25 7643
Construction (non-real estate) 434202
Retail trade 7918 7 8
Wholesale trade 17 21 20 14 40
Agriculture 13 91312 7
Communications
–
1 2 46 85
Manufacturing 35 57 53 79 158
Mining
–––––
Oil and gas
––
1
–
2
Transportation 511 3 6 36
Utilities
–––
46 141
Forest products 222834
Service industries 17 19 26 23 49
Financial institutions 10 1 7 10 21
Other 77 8 16 12
Total specific allowance for credit losses
on commercial and corporate loans 142 147 163 291 598
Total
2007 2006 2005 2004 2003
1,058 1,128 1,308 1,791 1,949
353 176 179 (103) 455
12
––––
91 112 67 131 88
(391) (338) (419) (470) (566)
(68) (20) (7) (41) (135)
1,055 1,058 1,128 1,308 1,791
(289) (267) (246) (206) (178)
(102) (71) (173) (264) (388)
72 60 49 41 36
19 52 18 90 52
0.1 0.1 0.2 0.2 0.3
Total
2007 2006 2005 2004 2003
14 5555
11122
15 6677
142 147 163 291 598
––––
6
157 153 169 298 611
898 905 959 1,010 1,180
1,055 1,058 1,128 1,308 1,791
146.5 158.8 140.2 116.9 93.1
8.3 3.7 4.6 4.3 3.7
26.3 29.2 24.2 30.4 34.6