Financing Receivables and Operating Leases (Tables)

12 Months Ended

Oct. 31, 2011

Financing Receivables and Operating Leases

Components of financing receivables

	2011			2010
	In millions
Minimum lease payments receivable	$	7,721		$	7,094
Unguaranteed residual value		233			212
Unearned income		(647	)		(596	)
Financing receivables, gross		7,307			6,710
Allowance for doubtful accounts		(130	)		(140	)
Financing receivables, net		7,177			6,570
Less current portion		(3,162	)		(2,986	)
Amounts due after one year, net	$	4,015		$	3,584

Scheduled maturities of minimum lease payments receivable

	2012		2013		2014		2015		Thereafter		Total
Scheduled maturities of minimum lease payments receivable	$	3,518	$	2,256	$	1,257	$	517	$	173	$	7,721

Minimum future rentals on non-cancelable operating leases

	2012		2013		2014		2015		Thereafter		Total
Minimum future rentals on non-cancelable operating leases	$	1,273	$	801	$	414	$	152	$	42	$	2,682

Credit risk profile of gross financing receivables

Risk Rating	2011		2010
	In millions
Low	$	4,261	$	3,793
Moderate		2,989		2,829
High		57		88
Total	$	7,307	$	6,710

Allowance for doubtful accounts

Allowance for doubtful accounts	2011
	In millions
Balance, beginning of period	$	140
Additions to allowance		58
Deductions, net of recoveries		(68	)
Balance, end of period	$	130

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

		2011		2010
		In millions
Allowance for financing receivables individually evaluated for loss		$	35	$	53
Allowance for financing receivables collectively evaluated for loss			95		87
	Total	$	130	$	140
Gross financing receivables individually evaluated for loss		$	157	$	271
Gross financing receivables collectively evaluated for loss			7,150		6,439
	Total	$	7,307	$	6,710