TD Bank 2003 Annual Report Download - page 52

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TD BANK FINANCIAL GROUP ANNUAL REPORT 2003 • Management’s Discussion and Analysis50
TABLE 11 Loans and customers’ liability under acceptances, net of allowance for credit losses
(millions of dollars)
Canada1United States1Other international1Total
By sector 2003 2002 2003 2002 2003 2002 2003 2002 2001
Residential mortgages $ 52,525 $ 52,784 $ – $ – $ – $ – $ 52,525 $ 52,784 $ 50,807
Consumer instalment and
other personal 38,623 32,798 4,272 3,516 13 18 42,908 36,332 31,126
Total residential and personal 91,148 85,582 4,272 3,516 13 18 95,433 89,116 81,933
Real estate development
Commercial and industrial 1,491 1,846 ––––1,491 1,846 2,060
Residential 1,247 1,171 85 57 ––1,332 1,228 1,404
Retail 352 378 ––19 40 371 418 475
Real estate services 300 293 416 ––304 309 280
Total real estate 3,390 3,688 89 73 19 40 3,498 3,801 4,219
Agriculture 2,428 2,365 ––––2,428 2,365 2,309
Apparel and textile 323 351 –10 38 39 361 400 451
Automotive 1,644 1,175 91 118 315 1,738 1,308 1,558
Cable 417 383 363 860 298 411 1,078 1,654 1,958
Chemical 415 555 24 317 80 121 519 993 1,125
Construction 694 681 27 11 21 93 742 785 844
Financial 1,960 2,283 264 567 466 946 2,690 3,796 4,112
Food, beverage and tobacco 1,319 1,302 106 167 141 162 1,566 1,631 2,131
Forestry 563 744 209 633 27 93 799 1,470 1,720
Government 589 471 151 25 ––740 496 348
Health and social services 1,144 1,060 57 116 ––1,201 1,176 1,187
Media and entertainment 1,111 1,520 351 624 255 688 1,717 2,832 3,717
Metals and mining 600 861 42 161 10 61 652 1,083 1,344
Oil and gas 941 1,668 451 879 278 361 1,670 2,908 3,341
Retail 1,072 1,041 59 160 ––1,131 1,201 1,327
Sundry manufacturing 910 1,019 9150 244 921 1,213 1,647
Telecommunications 92 395 333 1,201 309 898 734 2,494 4,251
Transportation 600 933 57 90 50 141 707 1,164 1,307
Utilities 665 704 1,171 3,370 652 1,091 2,488 5,165 4,862
All other loans 1,487 2,638 247 423 156 234 1,890 3,295 3,104
Total business and government 22,364 25,837 4,101 9,955 2,805 5,438 29,270 41,230 46,862
Total $113,512 $111,419 $8,373 $13,471 $2,818 $5,456 $ 124,703 $ 130,346 $ 128,795
Percentage change 1.9% 5.6% (37.8)% (21.7)% (48.4)% (9.8)% (4.3)% 1.2% (1.3)%
2003 2002 2001
By location of ultimate risk 2003 2002 2001 % mix % mix % mix
Canada
Atlantic $ 3,445 $ 3,342 $ 3,352 2.8 2.6 2.6
Québec 6,822 6,663 5,769 5.5 5.1 4.5
Ontario 71,914 70,219 66,475 57.6 53.9 51.6
Prairies 16,667 16,286 16,156 13.4 12.5 12.5
British Columbia 15,054 15,310 14,296 12.1 11.7 11.1
Total Canada 113,902 111,820 106,048 91.4 85.8 82.3
United States 7,731 11,714 15,768 6.2 9.0 12.3
Other international
United Kingdom 434 1,118 1,549 .3 .8 1.2
Europe – other 854 1,838 1,224 .7 1.4 .9
Australia and New Zealand 746 1,328 1,356 .6 1.0 1.1
Japan 42 138 15 –.1 –
Asia – other 488 1,254 1,755 .4 1.0 1.4
Latin America and Caribbean 503 1,123 1,068 .4 .9 .8
Middle East and Africa 313 12 –––
Total other international 3,070 6,812 6,979 2.4 5.2 5.4
Tota l $124,703 $130,346 $128,795 100.0 100.0 100.0
Percentage change over previous year
Canada 1.9% 5.4% 6.0%
United States (34.0) (25.7) (27.0)
Other international (54.9) (2.4) (21.1)
Tota l (4.3)% 1.2% (1.3)%
1Based on geographic location of unit responsible for recording revenue.