| Consolidated Balance Sheet | Consolidated Statement of Income | Consolidated Statement of Changes in Shareholders’ Equity | Consolidated Statement of Cash Flows |
Consolidated Balance Sheet |
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| As at October 31 (Canadian $ in millions) | 2004 | 2003 | ||
| Assets | ||||
| Cash Resources (Notes 2 and 25) | $ | 18,045 | $ | 19,860 |
| Securities (Notes 3 and 25) | ||||
| Investment (fair value $15,103 in 2004 and $19,972 in 2003) | 15,017 | 19,660 | ||
| Trading | 35,444 | 35,119 | ||
| Loan substitutes | 11 | 11 | ||
| 50,472 | 54,790 | |||
| Loans (Notes 4 and 7) | ||||
| Residential mortgages | 56,444 | 52,095 | ||
| Consumer instalment and other personal | 24,887 | 22,103 | ||
| Credit cards | 3,702 | 2,967 | ||
| Businesses and governments | 50,020 | 51,889 | ||
| Securities purchased under resale agreements | 17,148 | 13,276 | ||
| 152,201 | 142,330 | |||
| Customers’ liability under acceptances | 5,355 | 5,611 | ||
| Allowance for credit losses (Note 4) | (1,308) | (1,785) | ||
| 156,248 | 146,156 | |||
| Other Assets | ||||
| Derivative financial instruments (Note 9) | 25,448 | 21,216 | ||
| Premises and equipment (Note 10) | 2,020 | 2,045 | ||
| Goodwill (Note 12) | 1,507 | 1,334 | ||
| Intangible assets (Note 12) | 480 | 589 | ||
| Other (Note 13) | 10,974 | 10,504 | ||
| 40,429 | 35,688 | |||
| Total Assets | $ | 265,194 | $ | 256,494 |
| Liabilities and Shareholders’ Equity | ||||
| Deposits (Note 14) | ||||
| Banks | $ | 20,654 | $ | 24,755 |
| Businesses and governments | 79,614 | 72,405 | ||
| Individuals | 74,922 | 74,391 | ||
| 175,190 | 171,551 | |||
| Other Liabilities | ||||
| Derivative financial instruments (Note 9) | 23,973 | 20,715 | ||
| Acceptances (Note 15) | 5,355 | 5,611 | ||
| Securities sold but not yet purchased (Note 15) | 10,441 | 8,255 | ||
| Securities sold under repurchase agreements (Note 15) | 20,865 | 23,765 | ||
| Other (Note 15) | 13,786 | 11,259 | ||
| 74,420 | 69,605 | |||
| Subordinated Debt (Note 16) | 2,395 | 2,856 | ||
| Shareholders’ Equity | ||||
| Share capital (Note 18) | 4,903 | 5,108 | ||
| Contributed surplus (Note 19) | 10 | 3 | ||
| Net unrealized foreign exchange loss | (497) | (195) | ||
| Retained earnings | 8,773 | 7,566 | ||
| 13,189 | 12,482 | |||
| Total Liabilities and Shareholders’ Equity | $ | 265,194 | $ | 256,494 |
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The accompanying notes to consolidated financial statements are an integral part of these statements. |
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F. Anthony Comper President and Chief Executive Officer |
Jeremy H. Reitman Chairman, Audit Committee |
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