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Financing Receivables and Operating Leases (Tables)
6 Months Ended
Apr. 30, 2011
Financing Receivables and Operating Leases  
Components of net financing receivables

 
  April 30,
2011
  October 31,
2010
 
 
  In millions
 

Minimum lease payments receivable

  $ 7,596   $ 7,094  

Allowance for doubtful accounts

    (130 )   (140 )

Unguaranteed residual value

    233     212  

Unearned income

    (651 )   (596 )
           

Financing receivables, net

    7,048     6,570  

Less current portion

    (3,179 )   (2,986 )
           

Amounts due after one year, net

  $ 3,869   $ 3,584  
           
Credit risk profile of gross financing receivables

 
  April 30,
2011
  October 31,
2010
 
 
  In millions
 

Risk Rating

             

Low

  $ 4,166   $ 3,793  

Moderate

    2,927     2,829  

High

    85     88  
           

Total

  $ 7,178   $ 6,710  
           
The allowance for doubtful accounts

 
  Six months ended
April 30, 2011
 
 
  In millions
 

Allowance for doubtful accounts

       

Balance, beginning of period

  $ 140  

Additions to allowance

    22  

Deductions, net of recoveries

    (32 )
       

Balance, end of period

  $ 130  
       
Allowance for financing receivables and the related financing receivables evaluated for loss


 
  April 30,
2011
  October 31,
2010
 
 
  In millions
 

Allowance for financing receivables individually evaluated for loss

  $ 43   $ 53  

Allowance for financing receivables collectively evaluated for loss

    87     87  
           
 

Total

  $ 130   $ 140  
           

Gross financing receivables individually evaluated for loss

 
$

73
 
$

75
 

Gross financing receivables collectively evaluated for loss

    7,105     6,635  
           
 

Total

  $ 7,178   $ 6,710  
           

        .