Investor Presentaiton
Gross Impaired Loans and Formations
Gross Impaired Loans (GIL) ratio 51
bps, down 14 bps Q/Q
Formations
Gross Impaired Loans
By Industry
($MM, as at Q3 21)
Canada &
Canada &
Formations ($MM)
U.S.
Total
U.S. Total
Other
Other¹
Consumer
149
23
172
400
283
683
Service Industries
72
31
103
210
245
455
1,760
1,396
Retail Trade
2
2
4
181
76
257
662
665
425
390
Oil & Gas
0
45
45
69
182
251
Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21
Agriculture
8
1
9
77
152
229
Manufacturing
24
0
24
118
59
177
Gross Impaired Loans ($MM)
Transportation
1
7
8
17
88
105
Commercial Real Estate
11
1
12
34
21
55
Wholesale Trade
5
2
7
27
51
78
4,413
3,645
Construction (non-real estate)
3,638 3,442
1
2
3
43
24
67
3,000
2,430
Mining
1
0
1
1
30
31
Financial
0
0
0
11
8
19
19
Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21
Other Business and
1
1
2
19
4
23
Government²
GIL (bps)
Total Business and
126
92
218
807
940
1,747
94
Government
74
78
74
65
51
Total Bank
275
115
390
1,207
1,223
2,430
1 Total Business and Government includes nil GIL from Other Countries
2 Other Business and Government includes industry segments that are each <1% of total GIL
BMO Financial Group
Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21
Investor Presentation ⚫ October 2021
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