| Consolidated Balance Sheet | Consolidated Statement of Income | Consolidated Statement of Changes in Shareholders’ Equity | Consolidated Statement of Cash Flows |
Consolidated Balance Sheet
| As at October 31 (Canadian $ in millions) | 2005 | 2004 | ||
|---|---|---|---|---|
| Assets | Restated (see Note 20) |
|||
| Cash Resources (Notes 2 and 27) | $ | 20,721 | $ | 18,045 |
| Securities (Notes 3 and 27) | ||||
| Investment (fair value $12,933 in 2005 and $15,103 in 2004) | 12,936 | 15,017 | ||
| Trading | 44,309 | 35,444 | ||
| Loan substitutes | 11 | 11 | ||
| 57,256 | 50,472 | |||
| Loans (Notes 4 and 7) | ||||
| Residential mortgages | 60,871 | 56,444 | ||
| Consumer instalment and other personal | 27,929 | 24,887 | ||
| Credit cards | 4,648 | 3,702 | ||
| Businesses and governments | 47,803 | 44,559 | ||
| Securities borrowed or purchased under resale agreements | 28,280 | 22,609 | ||
| 169,531 | 152,201 | |||
| Customers’ liability under acceptances (Note 4) | 5,934 | 5,355 | ||
| Allowance for credit losses (Note 4) | (1,128) | (1,308) | ||
| 174,337 | 156,248 | |||
| Other Assets | ||||
| Derivative financial instruments (Note 9) | 31,517 | 25,448 | ||
| Premises and equipment (Note 10) | 1,847 | 2,020 | ||
| Goodwill (Note 13) | 1,091 | 1,507 | ||
| Intangible assets (Note 13) | 196 | 480 | ||
| Other (Note 14) | 10,567 | 10,974 | ||
| 45,218 | 40,429 | |||
| Total Assets | $ | 297,532 | $ | 265,194 |
| Liabilities and Shareholders’ Equity | ||||
| Deposits (Note 15) | ||||
| Banks | $ | 25,473 | $ | 20,654 |
| Businesses and governments | 92,437 | 79,614 | ||
| Individuals | 75,883 | 74,922 | ||
| 193,793 | 175,190 | |||
| Other Liabilities | ||||
| Derivative financial instruments (Note 9) | 28,868 | 23,973 | ||
| Acceptances (Note 16) | 5,934 | 5,355 | ||
| Securities sold but not yet purchased (Note 16) | 16,142 | 10,441 | ||
| Securities lent or sold under repurchase agreements (Note 16) | 22,657 | 21,345 | ||
| Other (Note 16) | 12,203 | 12,156 | ||
| 85,804 | 73,270 | |||
| Subordinated Debt (Note 17) | 2,469 | 2,395 | ||
| Preferred Share Liability (Note 20) | 450 | 450 | ||
| Capital Trust Securities (Note 18) | 1,150 | 1,150 | ||
| Shareholders’ Equity | ||||
| Share capital (Note 20) | 4,618 | 4,453 | ||
| Contributed surplus (Note 21) | 20 | 10 | ||
| Net unrealized foreign exchange loss | (612) | (497) | ||
| Retained earnings | 9,840 | 8,773 | ||
| 13,866 | 12,739 | |||
| Total Liabilities and Shareholders’ Equity | $ | 297,532 | $ | 265,194 |
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The accompanying notes to consolidated financial statements are an integral part of these statements. Certain comparative figures have been reclassified to conform with the current year’s presentation. |
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F. Anthony Comper President and Chief Executive Officer |
Jeremy H. Reitman Chairman, Audit Committee |
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