Financing Receivables and Operating Leases (Tables)

3 Months Ended

Jan. 31, 2012

Financing Receivables and Operating Leases

Components of financing receivables

	January 31, 2012			October 31, 2011
	In millions
Minimum lease payments receivable	$	7,748		$	7,721
Unguaranteed residual value		231			233
Unearned income		(655	)		(647	)
Financing receivables, gross		7,324			7,307
Allowance for doubtful accounts		(140	)		(130	)
Financing receivables, net		7,184			7,177
Less current portion		(3,123	)		(3,162	)
Amounts due after one year, net	$	4,061		$	4,015

Credit risk profile of gross financing receivables

	January 31, 2012		October 31, 2011
	In millions
Risk Rating
Low	$	4,303	$	4,261
Moderate		2,954		2,989
High		67		57
Total	$	7,324	$	7,307

Allowance for doubtful accounts

	Three months ended January 31, 2012
	In millions
Allowance for doubtful accounts
Balance, beginning of period	$	130
Additions to allowance		12
Deductions, net of recoveries		(2	)
Balance, end of period	$	140

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

	January 31, 2012		October 31, 2011
	In millions
Allowance for financing receivables individually evaluated for loss	$	44	$	35
Allowance for financing receivables collectively evaluated for loss		96		95
Total	$	140	$	130
Gross financing receivables individually evaluated for loss	$	278	$	228
Gross financing receivables collectively evaluated for loss		7,046		7,079
Total	$	7,324	$	7,307