Net interest income on average assets and liabilities Table 66
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1 Supplemental information Net interest income on average assets and liabilities Table 66 Average balances Interest (1) Average rate (C$ millions, except percentage amounts) Assets Deposits with other banks $ 2,692 $ 1,837 $ 1,570 $ 37 $ 45 $ % 2.45% 2.74% 4,674 4,168 2, ,976 7,802 5, ,342 13,807 9, Securities Trading 136, , ,828 4,041 4,862 6, Available-for-sale 50,686 39,626 31,516 1,905 1,800 1, , , ,344 5,946 6,662 7, Asset purchased under reverse repurchase agreements and securities borrowed 44,476 68,356 71, ,889 3, Loans Retail 185, , ,588 8,625 7,440 9, Wholesale 35,074 38,558 31,541 1,179 2,443 1, , , ,129 9,804 9,883 10, ,227 35,096 25,718 1,777 2,161 2, ,559 15,623 13,388 1,923 2,939 2, , , ,235 13,504 14,983 14, Total interest-earning assets 523, , ,248 20,543 25,032 26, Non-interest-bearing deposits with other banks 5,895 3,702 2,137 Customers liability under acceptances 10,247 11,274 10,270 Other assets 155, ,860 69,345 Total assets $ 695,300 $ 650,300 $ 581,000 $ 20,543 $ 25,032 $ 26, % 3.85% 4.57% Liabilities and shareholders equity Deposits (2) $ 183,563 $ 174,441 $ 166,983 $ 2,946 $ 4,423 $ 5, % 2.54% 3.39% 61,990 56,329 53, ,758 2, , , ,924 3,038 5,977 5, , , ,724 6,762 12,158 13, Obligations related to securities sold short 37,597 45,367 46,654 1,286 1,525 1, Obligations related to assets sold under repurchase agreements and securities loaned 36,647 36,558 42, ,613 2, Subordinated debentures 7,377 7,183 6, Other interest-bearing liabilities 3,943 3,962 3, Total interest-bearing liabilities 478, , ,154 9,037 15,984 18, Non-interest-bearing deposits 28,964 16,784 25,752 Acceptances 10,247 11,274 10,270 Other liabilities 142, ,116 79,087 Total liabilities $ 660,733 $ 623,501 $ 557,263 $ 9,037 $ 15,984 $ 18, % 2.56% 3.38% Shareholders Equity Preferred 4,130 1,795 1,553 Common 30,437 25,004 22,184 Total liabilities and shareholders equity $ 695,300 $ 650,300 $ 581,000 $ 9,037 $ 15,984 $ 18, % 2.46% 3.24% Net interest income and margin $ 695,300 $ 650,300 $ 581,000 $ 11,506 $ 9,048 $ 7, % 1.39% 1.33% Net interest income and margin (average earning assets) $ 311,715 $ 308,574 $ 280,385 $ 7,828 $ 6,929 $ 6, % 2.25% 2.28% 107, , ,044 2,134 1, , , ,819 1, Total $ 523,645 $ 530,464 $ 499,248 $ 11,506 $ 9,048 $ 7, % 1.71% 1.54% (1) Interest income includes loan fees of $398 million (2008 $343 million; 2007 $331 million). (2) Deposits include savings deposits with average balances of $64 billion (2008 $48 billion; 2007 $46 billion), interest expense of $.3 billion (2008 $.5 billion; 2007 $.4 billion) and average rates of.5% ( %; %). Deposits also include term deposits with average balances of $193 billion (2008 $227 billion; 2007 $240 billion), interest expense of $3.8 billion (2008 $8.0 billion; 2007 $10.7 billion) and average rates of 1.98% ( %; %). 68 Royal Bank of : Annual Report 2009 Management s Discussion and Analysis
2 Loans and acceptances by geography Table 67 Residential mortgages $ 117,292 $ 117,690 $ 107,453 $ 94,272 $ 88,808 Personal 60,493 48,780 42,506 37,946 33,986 Credit cards 8,285 8,538 8,142 6,966 6,024 Small business 2,851 2,804 2,652 2,318 1,951 Retail 188, , , , ,769 47,110 53,775 51,237 44,353 42,383 Sovereign 1,394 1, Bank 1, Wholesale $ 49,600 $ 56,297 $ 52,343 $ 45,066 $ 42,978 $ 238,521 $ 234,109 $ 213,096 $ 186,568 $ 173,747 Retail 11,678 12,931 6,804 7,652 7,741 Wholesale 25,387 30,943 18,548 13,847 12,317 37,065 43,874 25,352 21,499 20,058 Retail 4,625 4,712 1,905 1,896 1,729 Wholesale 12,964 20,345 10,862 9,084 3,454 17,589 25,057 12,767 10,980 5,183 Total loans and acceptances $ 293,175 $ 303,040 $ 251,215 $ 219,047 $ 198,988 Total allowance for loan losses (3,188) (2,215) (1,493) (1,409) (1,498) Total loans and acceptances, net of allowance for loan losses $ 289,987 $ 300,825 $ 249,722 $ 217,638 $ 197,490 Loans and acceptances by portfolio and sector Table 68 Residential mortgages $ 122,130 $ 122,991 $ 109,745 $ 96,675 $ 91,043 Personal 71,542 60,727 48,743 44,902 41,045 Credit cards 8,701 8,933 8,322 7,155 6,200 Small business 2,851 2,804 2,652 2,318 1,951 Retail $ 205,224 $ 195,455 $ 169,462 $ 151,050 $ 140,239 Agriculture 5,090 5,305 5,367 5,435 5,238 Automotive 3,657 3,999 3,285 2,958 2,545 Consumer goods 6,141 7,389 5,206 4,553 4,437 Energy 7,055 8,146 7,632 6,010 5,628 Non-bank financial services 3,541 8,788 6,959 4,459 1,892 Forest products 830 1,152 1,349 1,126 1,210 Industrial products 3,972 5,033 4,119 3,659 3,157 Mining & metals 1,774 3,947 2,301 1, Real estate & related 21,049 22,978 19,187 16,145 13,730 Technology & media 2,562 3,206 2,423 2,326 2,244 Transportation & environment 4,413 4,239 2,656 2,400 1,900 Other (1) 22,572 25,623 17,583 15,586 14,772 Sovereign 2,779 2, Bank 2,516 5,284 2,754 1, Wholesale $ 87,951 $ 107,585 $ 81,753 $ 67,997 $ 58,749 Total loans and acceptances $ 293,175 $ 303,040 $ 251,215 $ 219,047 $ 198,988 Total allowance for loan losses (3,188) (2,215) (1,493) (1,409) (1,498) Total loans and acceptances, net of allowance for loan losses $ 289,987 $ 300,825 $ 249,722 $ 217,638 $ 197,490 (1) Other in 2009 related to other services, $10.0 billion; financing products, $5.7 billion; holding and investments, $3.9 billion; health, $2.4 billion; and other, $.6 billion. Management s Discussion and Analysis Royal Bank of : Annual Report
3 Impaired loans by portfolio and geography Table 69 As at October 31 (C$ millions except percentage amounts) Residential mortgages $ 641 $ 340 $ 180 $ 165 $ 146 Personal Small business Retail $ 1,109 $ 728 $ 388 $ 383 $ 340 Agriculture Automotive Consumer goods Energy Non-bank financial services Forest products Industrial products Mining & metals Real estate & related 1,625 1, Technology & media Transportation & environment Other (1) 1, Sovereign 10 Bank 62 Wholesale $ 4,348 $ 2,195 $ 730 $ 443 $ 418 Total impaired loans (2) $ 5,457 $ 2,923 $ 1,118 $ 826 $ 758 Residential mortgages $ 441 $ 238 $ 149 $ 127 $ 106 Personal Small business Retail $ 673 $ 428 $ 320 $ 323 $ 278 Agriculture $ 77 $ 95 $ 64 $ 45 $ 44 Automotive Consumer goods Energy Non-bank financial services Forest products Industrial products Mining & metals Real estate & related Technology & media Transportation & environment Other Wholesale $ 839 $ Residential mortgages Personal Retail Agriculture $ 3 $ $ 1 $ $ 4 Automotive Consumer goods Energy Non-bank financial services Forest products Industrial products Mining & metals 16 1 Real estate & related 1,365 1, Technology & media Transportation & environment Other 1, Wholesale 3,194 1, $ 3,421 $ 1,659 $ 349 $ 158 $ 173 Retail Wholesale $ 524 $ 307 $ 72 $ 79 $ 82 Total impaired loans $ 5,457 $ 2,923 $ 1,118 $ 826 $ 758 Specific allowance for loan losses (1,279) (767) (351) (263) (282) Net impaired loans $ 4,178 $ 2,156 $ 767 $ 563 $ 476 Gross impaired loans as a % of loans and acceptances Residential mortgages 0.52% 0.28% 0.16% 0.17% 0.16% Personal 0.57% 0.57% 0.39% 0.46% 0.45% Small business 2.07% 1.43% 0.72% 0.56% 0.56% Retail 0.54% 0.37% 0.23% 0.25% 0.24% Wholesale 4.94% 2.04% 0.89% 0.65% 0.71% Total 1.86% 0.96% 0.45% 0.38% 0.38% Specific allowance for loan losses as a % of gross impaired loans 23.44% 26.24% 31.40% 31.84% 37.20% (1) Other in 2009 is related to other, $148 million; financing products, $1,203 million; other services, $230 million; holding and investments, $50 million; and health, $27 million. (2) Past due loans greater than 90 days not included in impaired loans were $359 million in 2009 (2008 $347 million; 2007 $280 million; 2006 $305 million; 2005 $304 million). 70 Royal Bank of : Annual Report 2009 Management s Discussion and Analysis
4 Provision for (recovery of) credit losses by portfolio and geography Table 70 (C$ millions, except percentage amounts) Residential mortgages $ 73 $ 16 $ 5 $ 6 $ 2 Personal Credit cards Small business Retail $ 1,231 $ 777 $ 626 $ 504 $ 482 Agriculture $ 20 $ 5 $ 2 $ (1) $ (12) Automotive Consumer goods Energy (7) (53) (20) Non-bank financial services Forest products (52) Industrial products (7) Mining & metals (1) Real estate & related (11) Technology & media (2) (5) (6) Transportation & environment Other (26) Bank 20 Wholesale $ 1,593 $ 653 $ 156 $ (22) $ (93) Total specific provision $ 2,824 $ 1,430 $ 782 $ 482 $ 389 Residential mortgages $ 18 $ 8 $ 5 $ 6 $ 1 Personal Credit cards Small business Retail $ 933 $ 672 $ 593 $ 492 $ 467 Agriculture $ 18 $ 5 $ 2 $ (1) $ (12) Automotive Consumer goods Energy (4) (3) (4) (10) 1 Non-bank financial services Forest products (52) Industrial products (5) Mining & metals Real estate & related (1) Technology & media (3) Transportation & environment Other (1) (5) Wholesale $ 436 $ 152 $ 102 $ 15 $ (32) Total $ 1,369 $ 824 $ 695 $ 507 $ 435 Residential mortgages $ 51 $ 6 $ 1 $ $ 1 Personal Credit cards Small business Retail $ 267 $ 84 $ 26 $ 12 $ 15 Agriculture $ 2 $ $ $ $ Automotive 4 Consumer goods (1) Energy (3) (43) (20) Non-bank financial services Forest products 4 1 Industrial products (2) Mining & metals 5 1 Real estate & related (10) Technology & media (6) (6) (3) Transportation & environment 3 (1) (2) Other (22) Wholesale $ 1,096 $ 494 $ 58 $ (38) $ (60) Total $ 1,363 $ 578 $ 84 $ (26) $ (45) Retail $ 31 $ 21 $ 7 $ $ Wholesale 61 7 (4) 1 (1) Total $ 92 $ 28 $ 3 $ 1 $ (1) Total specific provision $ 2,824 $ 1,430 $ 782 $ 482 $ 389 Total general provision (53) 66 Total provision for credit losses $ 3,413 $ 1,595 $ 791 $ 429 $ 455 Specific provision as a % of average net loans and acceptances.97%.53%.33%.23%.21% (1) Other in 2009 is related to financing products, $244 million; other services, $94 million; health, $18 million; holdings and investments, $14 million; and other, $38 million. Management s Discussion and Analysis Royal Bank of : Annual Report
5 Allowance for credit losses by portfolio and geography Table 71 (C$ millions, except percentage amounts) Allowance at beginning of year (1) $ 2,438 $ 1,572 $ 1,486 $ 1,568 $ 1,714 Provision for credit losses 3,413 1, Write-offs by portfolio Residential mortgages (52) (9) (5) (5) (5) Personal (732) (504) (446) (379) (353) Credit cards (455) (319) (268) (204) (237) Small business (54) (44) (42) (36) (34) Retail $ (1,293) $ (876) $ (761) $ (624) $ (629) $ (1,373) $ (435) $ (107) $ (89) $ (141) Wholesale $ (1,373) $ (435) $ (107) $ (89) $ (141) Less developed countries exposures $ $ $ $ $ Total write-offs by portfolio $ (2,666) $ (1,311) $ (868) $ (713) $ (770) Recoveries by portfolio Residential mortgages $ 1 $ 1 $ 1 $ $ Personal Credit cards Small business Retail $ 133 $ 133 $ 129 $ 112 $ 121 $ 140 $ 29 $ 41 $ 93 $ 53 Wholesale $ 140 $ 29 $ 41 $ 93 $ 53 Total recoveries by portfolio $ 273 $ 162 $ 170 $ 205 $ 174 Net write-offs $ (2,393) $ (1,149) $ (698) $ (508) $ (596) Adjustments (2) (156) 281 (7) (3) (5) Total allowance for credit losses at end of year $ 3,302 $ 2,299 $ 1,572 $ 1,486 $ 1,568 Specific allowance for loan losses Residential mortgages $ 39 $ 23 $ 13 $ 11 $ 9 Personal Small business Retail $ 155 $ 119 $ 101 $ 108 $ 118 Agriculture $ 10 $ 13 $ 9 $ 8 $ 14 Automotive Consumer goods Energy Non-bank financial services Forest products Industrial products Mining & metals Real estate & related Technology & media Transportation & environment Other Wholesale $ 262 $ 138 $ 153 $ 112 $ 112 $ 417 $ 257 $ 254 $ 220 $ 230 Residential mortgages $ 10 $ 5 $ 1 $ 1 $ 1 Personal Small business Retail $ 44 $ 21 $ 6 $ 3 $ 3 Agriculture $ 1 $ $ $ 1 $ 1 Automotive Consumer goods Energy Non-bank financial services 62 1 Forest products 2 Industrial products 17 8 Mining & metals 5 1 Real estate & related Technology & media Transportation & environment 3 1 Other Wholesale $ 623 $ 375 $ 62 $ 12 $ 18 $ 667 $ 396 $ 68 $ 15 $ 21 Retail $ 74 $ 68 $ 13 $ 12 $ 12 Wholesale $ 195 $ 114 $ 29 $ 28 $ 31 Total specific allowance for loan losses $ 1,279 $ 767 $ 351 $ 263 $ 282 General allowance Residential mortgages $ 50 $ 20 $ 16 $ 19 $ 19 Personal Credit cards Small business Retail $ 1,095 $ 798 $ 595 $ 616 $ 594 Wholesale $ 814 $ 650 $ 370 $ 349 $ 425 General allowance for off-balance sheet items and other items $ 114 $ 84 $ 256 $ 258 $ 267 Total general allowance $ 2,023 $ 1,532 $ 1,221 $ 1,223 $ 1,286 Total allowance for credit losses $ 3,302 $ 2,299 $ 1,572 $ 1,486 $ 1,568 Key ratios Allowance for credit losses as a % of loans and acceptances 1.13%.76%.63%.68%.79% Net write-offs as a % of average net loans and acceptances.82%.42%.30%.25%.32% (1) Opening allowance for credit losses as at November 1, 2008 has been restated due to the implementation of amendments to CICA section (2) Other adjustments include primarily foreign exchange translations on non-canadian dollar-denominated allowance for credit losses and acquisition adjustments for RBTT $25 million in 2008; ANB $50 million in 2008; and Flag Bank $21 million in Royal Bank of : Annual Report 2009 Management s Discussion and Analysis
6 Credit quality information by Canadian province Table 72 Loans and acceptances Atlantic provinces (1) $ 11,831 $ 11,446 $ 11,556 $ 10,256 $ 10,255 Quebec 26,666 32,908 35,168 32,723 26,646 Ontario 121, ,410 90,242 81,968 78,283 Prairie provinces (2) 44,144 43,884 40,956 32,598 31,190 B.C. and territories (3) 41,158 40,461 35,174 29,023 27,373 Total loans and acceptances in $ 245,193 $ 234,109 $ 213,096 $ 186,568 $ 173,747 Gross impaired loans Atlantic provinces (1) $ 57 $ 66 $ 53 $ 53 $ 47 Quebec Ontario Prairie provinces (2) B.C. and territories (3) Total gross impaired loans in $ 1,512 $ 957 $ 697 $ 589 $ 503 Specific provision Atlantic provinces (1) $ 56 $ 43 $ 40 $ 33 $ 30 Quebec Ontario Prairie provinces (2) B.C. and territories (3) (14) Total specific provision for credit losses in $ 1,369 $ 824 $ 695 $ 507 $ 435 (1) Comprises Newfoundland and Labrador, Prince Edward Island, Nova Scotia and New Brunswick. (2) Comprises Manitoba, Saskatchewan and Alberta. (3) Comprises British Columbia, Nunavut, Northwest Territories and Yukon. Small business loans and acceptances in by sector Table 73 Agriculture $ 304 $ 261 $ 271 $ 248 $ 715 Automotive Consumer goods 2,261 2,234 2,350 2,043 1,728 Energy Non-bank financial services Forest products Industrial products 1,696 1,672 1,543 1,377 1,057 Mining & metals Real estate & related 3,053 3,052 2,822 2,565 1,982 Technology & media Transportation & environment Other (1) 5,013 4,687 4,488 4,098 3,365 Total small business loans $ 15,123 $ 14,712 $ 14,246 $ 12,817 $ 10,757 (1) Other sector in 2009 related primarily to other services, $3,144 million; health, $1,290 million; holding and investment, $452 million; and financing products, $82 million. Management s Discussion and Analysis Royal Bank of : Annual Report
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