Bank of Montreal 2008 Annual Report Download - page 100

96 | BMO Financial Group 191st Annual Report 2008
Supplemental Information
SUPPLEMENTAL INFORMATION
Table 11: Net Loans and Acceptances –Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2008 2007 2006 2005 2004 2008 2007 2006 2005 2004 2008 2007 2006 2005 2004
Consumer
Residential mortgages (1) 38,490 43,442 53,922 51,481 47,533 8,086 5,948 6,425 6,274 5,728 –––––
Cards 2,117 4,493 3,631 4,648 3,698 3–––4–––––
Consumer instalment and
other personal loans 31,633 24,393 20,482 18,683 16,971 12,102 8,795 9,935 9,245 7,914 –––––
Total consumer 72,240 72,328 78,035 74,812 68,202 20,191 14,743 16,360 15,519 13,646 –––––
Commercial and corporate
Commercial and corporate,
excluding securities
borrowed or purchased
under resale agreements 52,148 51,548 42,453 37,097 35,300 31,827 21,531 21,024 17,600 15,778 11,877 4,843 2,598 1,988 1,723
Securities borrowed or
purchased under
resale agreements 15,332 21,784 18,639 16,178 13,233 12,701 15,309 12,790 12,102 9,376 –––––
Total commercial and corporate 67,480 73,332 61,092 53,275 48,533 44,528 36,840 33,814 29,702 25,154 11,877 4,843 2,598 1,988 1,723
Total loans and acceptances,
net of specific allowances 139,720 145,660 139,127 128,087 116,735 64,719 51,583 50,174 45,221 38,800 11,877 4,843 2,598 1,988 1,723
General allowance (579) (587) (555) (590) (630) (742) (311) (350) (369) (380) –– –––
Total net loans and acceptances 139,141 145,073 138,572 127,497 116,105 63,977 51,272 49,824 44,852 38,420 11,877 4,843 2,598 1,988 1,723
Table 12: Net Impaired Loans and Acceptances –Segmented Information ($ millions, except as noted)
Canada United States Other countries
As at October 31 2008 2007 2006 2005 2004 2008 2007 2006 2005 2004 2008 2007 2006 2005 2004
Consumer
Residential mortgages 211 112 110 87 120 ––––––––––
Consumer instalment and
other personal loans 89 54 42 33 30 91 –555–––––
Total consumer 300 166 152 120 150 91 –555–––––
Commercial and corporate 374 183 143 166 183 1,147 211 202 326 421 49 3111862
Total impaired loans and
acceptances, net of specific
allowances for credit losses 674 349 295 286 333 1,238 211 207 331 426 49 3111862
General allowance (579) (587) (555) (590) (630) (742) (311) (350) (369) (380) –––––
Total net impaired loans
and acceptances (NIL) 95 (238) (260) (304) (297) 496 (100) (143) (38) 46 49 3111862
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) 0.07 (0.16) (0.19) (0.24) (0.26) 0.78 (0.20) (0.29) (0.08) 0.12 0.41 0.06 0.42 0.91 3.60
NIL as a % of net loans
and acceptances (2)
Consumer 0.42 0.23 0.19 0.16 0.22 0.45 – 0.03 0.03 0.04 –––––
Commercial and corporate,
excluding securities
borrowed or purchased
under resale agreements 0.72 0.36 0.34 0.45 0.52 3.60 0.98 0.96 1.85 2.67 0.41 0.06 0.42 0.91 3.60
(1) Excludes residential mortgages classified as commercial or corporate loans (2008 –
$2.7 billion, 2007 –$3.0 billion, 2006 –$2.9 billion, 2005 –$3.1 billion, 2004 –$3.2 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.
un –unavailable, as equity is not allocated on a country of risk basis