The Image shows three different methods of financial analysis being applied to a set of corporate statements. Click on the section that shows Horizontal Analysis.

Consolidated Statement of Financial Position (Balance Sheet) As at October 31 (5 millions) Loans 2019 2018 Residential mortgages $ 268,169 $ 253,357 Personal loans 98,631 96,019 Credit cards 17,788 16,485 Business and government 212,972 191,038 597,560 556,899 Allowance for credit losses 5,077 5,065 $ 592,483 $ 551,834 2019 24.7% 9.1% 1.6% 19.6% 55.0% 0.5% 54.5% 2018 25.4% 9.6% 1.7% 19.1% 55.8% 0.5% 55.3% Total Assets $ 1,086,161 $ 998,493 100.0% 100.0% 2019 2018 $ $ As at October 31 ($ millions) Loans Residential mortgages Personal loans Credit cards Business and government 268, 169 $ 98,631 17,788 212,972 597,560 5,077 592,483 $ 253,357 96,019 16,485 191,038 556,899 5,065 551,834 Change Dollar Percent 14,812 5.8% 2,612 2.7% 1,303 7.9% 21,934 11.5% 40,661 7.3% 12 0.2% 40,649 7.4% Allowance for credit losses $ 2019 2018 2017 2019 2018 2017 $29,116 2,238 $24,991 1,771 $21,719 1,403 134% 160% 115% 126% 100% 100% Interest income Loans Securities Securities purchased under resale agreements and securities borrowed Deposits with financial institutions 158% 502 928 $32,784 446 859 $28,067 283 522 $23,927 177% 178% 137% 165% 117% 100% 100% 100%