Bank of Montreal 2010 Annual Report Download - page 107
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Supplemental Information
BMO Financial Group 193rd Annual Report 2010 105
Total
2010 2009 2008 2007 2006
1,902 1,747 1,055 1,058 1,128
1,049 1,603 1,330 353 176
36 – – 12 –
183 145 114 91 112
(1,216) (1,492) (970) (391) (338)
(67) (101) 218 (68) (20)
1,887 1,902 1,747 1,055 1,058
(752) (685) (428) (289) (267)
(464) (807) (542) (102) (71)
137 104 91 72 60
46 41 23 19 52
0.6 0.7 0.5 0.1 0.1
Total
2010 2009 2008 2007 2006
52 33 13 14 5
47 51 2 1 1
99 84 15 15 6
482 512 411 142 147
9 – – – –
590 596 426 157 153
1,297 1,306 1,321 898 905
1,887 1,902 1,747 1,055 1,058
58.3 57.7 73.2 146.5 158.8
13.5 13.7 3.7 8.3 3.7
19.4 19.1 20.7 26.3 29.2
Table 18: Provision for Credit Losses –
Segmented Information ($ millions)
For the year ended October 31 2010 2009 2008 2007 2006
Consumer
Residential mortgages 27 26 5 11 7
Cards 194 174 154 137 132
Consumer instalment and other personal loans 409 450 178 81 67
Total consumer 630 650 337 229 206
Commercial and Corporate
Commercial mortgages (2) 87 114 1 – –
Commercial real estate 91 277 254 14 (2)
Construction (non-real estate) 48 31 2 1 (2)
Retail trade 22 7 10 7 (5)
Wholesale trade 9 44 3 7 4
Agriculture 8 10 2 5 2
Communications 8 3 – – (6)
Manufacturing 9 237 132 (9) 20
Mining – – – – –
Oil and gas (1) 7 27 – –
Transportation 18 32 12 4 7
Utilities – – – – (19)
Forest products (4) 17 5 – (1)
Service industries 59 50 33 2 2
Financial institutions 66 62 251 40 (1)
Government – 1 2 un un
Other (1) 1 (1) 3 6
Total commercial and corporate 419 893 733 74 5
Total specific provisions 1,049 1,543 1,070 303 211
General provision for credit losses – 60 260 50 (35)
Total provision for credit losses 1,049 1,603 1,330 353 176
Table 19: Specific Allowances for Credit Losses –
Segmented Information ($ millions)
As at October 31 2010 2009 2008 2007 2006
Commercial and Corporate Specific
Allowances by Industry
Commercial mortgages (2) 55 29 – – –
Commercial real estate 65 76 108 25 7
Construction (non-real estate) 40 7 4 4 3
Retail trade 12 8 6 7 9
Wholesale trade 23 28 14 17 21
Agriculture 17 19 9 13 9
Communications 1 – – – 1
Manufacturing 85 129 108 35 57
Mining – – – – –
Oil and gas 2 6 25 – –
Transportation 9 21 8 5 11
Utilities – – – – –
Forest products 15 22 6 2 2
Service industries 51 43 23 17 19
Financial institutions 101 113 70 10 1
Government 2 2 2 un un
Other 4 9 28 7 7
Total specific allowances for credit losses
on commercial and corporate loans (2) 482 512 411 142 147