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Supplemental Information
BMO Financial Group 191st Annual Report 2008 | 97
Table 13: Net Loans and Acceptances
–
Segmented Information
($ millions)
As at October 31 2008 2007 2006 2005 2004
Net Loans and Acceptances by Province
Atlantic provinces 5,619 6,248 6,069 5,839 5,934
Quebec 13,620 15,415 16,459 16,695 15,707
Ontario 85,427 83,674 79,535 72,314 63,509
Prairie provinces 18,405 22,344 19,278 16,829 16,094
British Columbia and territories 16,649 17,979 17,786 16,410 15,491
Total net loans and acceptances in Canada 139,720 145,660 139,127 128,087 116,735
Net Commercial and Corporate Loans by Industry, excluding
Securities Borrowed or Purchased under Resale Agreements
Commercial mortgages 10,121 8,994 8,505 8,246 7,954
Commercial real estate 8,300 6,532 5,830 4,242 3,517
Construction (non-real estate) 1,857 1,425 1,102 936 939
Retail trade 5,269 4,398 3,842 3,494 3,242
Wholesale trade 3,849 3,200 3,025 2,804 2,558
Agriculture 3,769 3,471 3,211 2,842 2,536
Communications 1,404 1,218 1,547 1,179 1,415
Manufacturing 9,290 7,238 7,733 6,977 6,495
Mining 3,256 1,522 510 375 290
Oil and gas 6,199 5,474 5,230 2,829 2,863
Transportation 1,788 1,467 1,322 932 951
Utilities 1,591 977 985 916 771
Forest products 875 767 692 644 544
Service industries 9,613 8,307 6,904 7,043 6,451
Financial institutions 23,710 16,393 9,595 6,348 5,875
Government 865 un un un un
Other 4,096 6,539 6,042 6,878 6,400
95,852 77,922 66,075 56,685 52,801
Table 14: Net Impaired Loans and Acceptances –
Segmented Information ($ millions)
As at October 31 2008 2007 2006 2005 2004
Net Impaired Commercial and Corporate Loans
Commercial mortgages 38 43 31 36 32
Commercial real estate 460 96 8 22 36
Construction (non-real estate) 15 57717
Retail trade 41 9213937
Wholesale trade 51 24 18 24 19
Agriculture 73 18 22 15 18
Communications –– 88 116 149
Manufacturing 275 80 98 117 123
Mining –––––
Oil and gas 47 –11–
Transportation 27 15 8 18 28
Utilities 1– – 24 75
Forest products 16 5455
Service industries 93 58 36 54 68
Financial institutions 244 23 4 11 23
Government 3un un un un
Other 186 21 10 21 36
1,570 397 356 510 666
un –unavailable
Table 15: Changes in Impaired Loans and
Allowance for Credit Losses ($ millions)
As at October 31 2008 2007 2006 2005 2004
Gross impaired loans and acceptances, beginning of year
720 666 804 1,119 1,918
Additions to impaired loans and acceptances 2,506 588 420 423 607
Reductions in impaired loans and acceptances (3) 131 (143) (220) (319) (936)
Write-offs (970) (391) (338) (419) (470)
Gross Impaired Loans and Acceptances, End of Year 2,387 720 666 804 1,119
Allowance for credit losses, beginning of year 1,055 1,058 1,128 1,308 1,785
Increases –specific allowances 1,239 395 322 290 163
Change in the general allowance 423 (7) (54) (51) (170)
Write-offs (970) (391) (338) (419) (470)
Allowance for Credit Losses, End of Year 1,747 1,055 1,058 1,128 1,308
Total
2008 2007 2006 2005 2004
46,576 49,390 60,347 57,755 53,261
2,120 4,493 3,631 4,648 3,702
43,735 33,188 30,417 27,928 24,885
92,431 87,071 94,395 90,331 81,848
95,852 77,922 66,075 56,685 52,801
28,033 37,093 31,429 28,280 22,609
123,885 115,015 97,504 84,965 75,410
216,316 202,086 191,899 175,296 157,258
(1,321) (898) (905) (959) (1,010)
214,995 201,188 190,994 174,337 156,248
Total
2008 2007 2006 2005 2004
211 112 110 87 120
180 54 47 38 35
391 166 157 125 155
1,570 397 356 510 666
1,961 563 513 635 821
(1,321) (898) (905) (959) (1,010)
640 (335) (392) (324) (189)
11.34 4.07 3.81 4.92 7.48
(0.30) (0.17) (0.21) (0.19) (0.12)
0.42 0.19 0.17 0.14 0.19
1.64 0.51 0.54 0.90 1.26