SUPPLEMENTAL INFORMATION TABLE 10 Net Loans and Acceptances – Segmented Information  ($ millions) TABLE 11 Net Impaired Loans and Acceptances – Segmented Info rmation ($ millions, except as noted) 58 BMO FINANCIAL GROUP ANNUAL REPORT 2002 (a) Excludes residential mortgages classified as commercial corporate loans (2002 — $3.2 billion, 2001 — $3.2 billion, 2000 — $2.9 billion, 1999 — $2.8 billion, 1998 — $2.5 billion). (b) There are no impaired securities purchased under resale agreements and no related allowances. (c) Net loans and acceptances and net impaired loans are net of specific and general allowances, except for loans to individuals and diversified commercial, which are net of specific allowances only. (d) Prior years have been reclassified to conform with the current year presentation. (e) Excludes LDC reservations in excess of impaired loans of $79 million in 1999 and $98 million in 1998. (f) Includes allowance of U.S. subsidiary in excess of impaired loans. ( g) Loans and acceptances returning to performing status, sales and repayments. (h) Write-offs on designated LDCs include losses of $45 million on sales of performing assets that were charged directly against the allowance in 2000. (i) Excludes ACL for off-balance sheet exposure, as well as LDC reservations in excess of impaired loans of $79 million in 1999 and $98 million in 1998. NA — not available Canada United States Other countries As at October 31 2002 2001 2000 1999 1998 2002 2001 2000 1999 1998 2002 2001 2000 1999 1998 Individuals Residential mortgages (a) 38,865 33,741 32,342 31,858 29,823 5,469 5,000 4,211 3,512 3,502 — — — — — Cards 2,275 1,521 1,382 1,144 783 5 6 25 16 14 — — — — — Personal loans 14,950 14,258 14,395 13,900 12,988 6,214 4,841 3,638 3,004 3,098 — — — — — Total loans to individuals 56,090 49,520 48,119 46,902 43,594 11,688 9,847 7,874 6,532 6,614 — — — — — Commercial, corporate  and institutional Diversified commercial  34,537 35,847 35,886 25,083 27,097 30,415 33,881 31,818 38,507 28,683 2,054 1,559 3,300 3,434 4,127 Securities purchased under  resale agreements 8,138 8,397 6,693 8,523 6,350 7,173 6,557 9,615 11,202 13,715 353 — — 5,365 7,455 Total commercial, corporate  and institutional 42,675 44,244 42,579 33,606 33,447 37,588 40,438 41,433 49,709 42,398 2,407 1,559 3,300 8,799 11,582 Lesser-developed  countries (LDCs) — — — — — — — — — — 328 337 222 205 288 Total loans and acceptances, net of specific allowances  for credit losses 98,765 93,764 90,698 80,508 77,041 49,276 50,285 49,307 56,241 49,012 2,735 1,896 3,522 9,004 11,870 General allowance (800) (855) (930) (820) (735) (380) (325) (150) (150) (150) — — — — — Total net loans and acceptances 97,965  92,909 89,768 79,688 76,306  48,896 49,960 49,157 56,091 48,862  2,735  1,896 3,522 9,004 11,870 Canada United States Other countries As at October 31 2002 2001 2000 1999 1998 2002 2001 2000 1999 1998 2002 2001 2000 1999 1998 Individuals Residential mortgages 119 126 138 129 105 — — — — — — — — — — Consumer instalment and other personal loans 39 54 48 48 34 10 2 — — — — — — — — Total loans to individuals 158 180 186 177 139 10 2 — — — — — — — — Diversified commercial (b) 473 354 335 344 236 858 692 432 135 108 69 17 31 58 60 Lesser-developed countries — — — — — — — — — — — — — — — Total impaired loans and acceptances, net of specific  allowances for credit losses 631  534 521 521 375 868 694 432 135 108 69 17 31 58 60 General allowance (800) (855) (930) (820) (735) (380) (325) (150) (150) (150) — — — — — Total net impaired loans  and acceptances (NIL) (169) (321) (409) (299) (360) 488 369 282 (15) (42) 69 17 31 58 60 Condition Ratios Gross impaired loans and  acceptances as a %  of equity and allowance  for credit losses NA NA NA NA NA NA NA NA NA NA NA NA NA NA NA NIL as a % of net loans  and acceptances (c) (0.17) (0.35) (0.46) (0.38) (0.47) 1.00 0.74 0.57 (0.03) (0.09) 2.52 0.90 0.88 0.64 0.51 NIL as a % of net loans  and acceptances (c) To individuals 0.28 0.36 0.39 0.38 0.32 0.09 0.02 — — — — — — — — To diversified commercial 1.37 0.99 0.93 1.37 0.87 2.82 2.04 1.36 0.35 0.38 3.36 1.09 0.94 1.69 1.45