Bank of America | Annual Report (2003) | Table XIV Allocation of the Allowance for Credit Losses by Product Type

Table XIV Allocation of the Allowance for Credit Losses by Product Type

		December 31



		2003				2002				2001				2000				1999



(Dollars in millions)	Amount			Percent		Amount		Percent		Amount		Percent		Amount		Percent		Amount		Percent



Allowance for loan and lease losses
Commercial - domestic		$	1,420	21.6	%	$	2,231	32.5	%	$	1,901	27.7	%	$	1,926	28.2	%	$	1,818	26.6	%
Commercial - foreign			619	9.4			855	12.5			730	10.6			778	11.4			901	13.2
Commercial real estate - domestic			404	6.2			430	6.3			897	13.0			973	14.2			916	13.4
Commercial real estate - foreign			9	0.1			9	0.1			8	0.1			7	0.1			11	0.2



Total commercial			2,452	37.3			3,525	51.4			3,536	51.4			3,684	53.9			3,646	53.4



Residential mortgage			149	2.3			108	1.6			145	2.1			151	2.2			160	2.3
Home equity lines			61	0.9			49	0.7			83	1.2			77	1.1			60	0.9
Direct/Indirect consumer			340	5.2			361	5.3			367	5.3			320	4.7			355	5.2
Consumer finance			376	5.7			323	4.7			433	6.3			722	10.6			712	10.4
Credit card			1,602	24.3			1,031	15.1			821	12.0			549	8.0			348	5.1
Foreign consumer			8	0.1			9	0.1			10	0.1			11	0.2			11	0.2



Total consumer			2,536	38.5			1,881	27.5			1,859	27.0			1,830	26.8			1,646	24.1



General			1,175	17.9			952	13.9			883	12.9			851	12.4			1,022	15.0



Allowance for loan and lease losses		$	6,163	93.7	%	$	6,358	92.8	%	$	6,278	91.3	%	$	6,365	93.1	%	$	6,314	92.5	%



Reserve for unfunded lending commitments
Commercial - domestic		$	80	1.2	%	$	160	2.3	%	$	73	1.1	%	$	67	1.0	%	$	57	0.8	%
Commercial - foreign			60	0.9			32	0.5			36	0.5			18	0.3			29	0.4
Commercial real estate			5	0.1			9	0.1			27	0.4			16	0.2			11	0.2



Total commercial			145	2.2			201	2.9			136	2.0			101	1.5			97	1.4
General			271	4.1			292	4.3			461	6.7			372	5.4			417	6.1



Reserve for unfunded lending commitments		$	416	6.3	%	$	493	7.2	%	$	597	8.7	%	$	473	6.9	%	$	514	7.5	%



Total		$	6,579	100.0	%	$	6,851	100.0	%	$	6,875	100.0	%	$	6,838	100.0	%	$	6,828	100.0	%

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2003 Annual Report: Financial Review: Statistical Financial Information: Table XIV Allocation of the Allowance for Credit Losses by Product Type

Table XIV

Allocation of the Allowance for Credit Losses by Product Type