SUPPLEMENTAL INFORMATION TABLE 22 Average Deposits  ($ millions, except as noted) TABLE 23 Unrealized Gains (Losses) on Investment Securities  (a) ($ millions) As at October 31, 2002, 2001 and 2000, deposits by foreign depositors in our Canadian bank offices amounted to $8,612 million, $8,668 million and $9,148 million, respectively. As at October 31, 2002, 2001 and 2000, total deposits payable after notice included $19,581 million, $20,021 million and $18,597 million, respectively, of chequing accounts that would have been classified as demand deposits under U.S. reporting requirements. As at October 31, 2002, 2001 and 2000, total deposits payable on a fixed date included $14,953 million, $21,362 million and $27,041 million, respectively, of federal funds purchased and commercial paper issued. These amounts would have been classified as short-term borrowings for U.S. reporting purposes. (a) Unrealized gains (losses) may be offset by related losses (gains) on liabilities or by hedge contracts. NA — not available (a) Includes deposits that are redeemable at the customersGLYPH<213> option under certain conditions. (b) Represents Innovative Tier 1 capital instruments. TABLE 24 Contractual Obligations  ($ millions) 2002 2001 2000 Average Average Average Average Average Average balance rat paid (%) balance rate paid (%) balance rate paid (%) Deposits Booked in Canada Demand deposits — interest bearing 6,646 1.12 6,589 2.80 5,909 3.76 Demand deposits — non-interest bearing 8,327  — 7,193 — 6,621 — Payable after notice 32,526 1.22 28,807 2.61 27,391 2.86 Payable on a fixed date 51,670 2.54 49,253 4.93 51,217 5.09 Total deposits booked in Canada 99,169 1.80 91,842 3.66 91,138 3.96 Deposits Booked in the U.S. and Other Countries U.S. demand deposits 11,449 1.20 12,635 3.09 12,310 4.08 Other U.S. deposits payable after notice or on a fixed date 36,007 2.55 34,759 4.72 32,496 6.43 Deposits booked in other countries 9,764 2.83 16,048 4.86 23,500 5.09 Total average deposits 156,389 2.00 155,284 3.98 159,444 4.66 Unrealized gains (losses) As at October 31 Book value Fair value 2002 2001 2000 1999 1998 Government debt and other securities Canadian governments 1,147 1,145 (2) (13) 13 21 NA U.S. governments 13,372 13,621 249 202 (84) (92) NA Mortgage-backed securities 1,059 1,088 29 53 (139) (175) NA Corporate debt  3,391 3,453 62 11 (117) (103) NA Corporate equity 2,216 2,197 (19) 2 101 9 NA Other governments 83 85 2 3 — 10 NA Total government debt and other securities 21,268 21,589 321 258 (226) (330) 315 Grupo Financiero Bancomer — — — — 277 (226) (190) Lesser-developed countries — — — — — 18 65 Equity investment in 724 Solutions Inc.  3 3 — (14) 134 — — Total investment securities 21,271 21,592 321 244 185 (538) 190 Less than 1—3 4—5 Over 5 No fixed As at October 31 one year years years years maturity Total Subordinated debt 250 467 467 2,610 — 3,794 Operating leases 195 299 181 421 — 1,096 Deposits (a) 72,876 13,574 5,591 596 69,201 161,838 Capital trust securities (b) — — — 1,150 — 1,150 Total 73,321 14,340 6,239 4,777 69,201 167,878 64 BMO FINANCIAL GROUP ANNUAL REPORT 2002