Financing Receivables and Operating Leases (Tables)

9 Months Ended

Jul. 31, 2012

Financing Receivables and Operating Leases

Components of financing receivables

	July 31, 2012			October 31, 2011
	In millions
Minimum lease payments receivable	$	7,774		$	7,721
Unguaranteed residual value		235			233
Unearned income		(661	)		(647	)
Financing receivables, gross		7,348			7,307
Allowance for doubtful accounts		(145	)		(130	)
Financing receivables, net		7,203			7,177
Less current portion		(3,116	)		(3,162	)
Amounts due after one year, net	$	4,087		$	4,015

Credit risk profile of gross financing receivables

	July 31, 2012		October 31, 2011
	In millions
Risk Rating
Low	$	4,280	$	4,261
Moderate		2,985		2,989
High		83		57
Total	$	7,348	$	7,307

Allowance for doubtful accounts

	Nine months ended July 31, 2012
	In millions
Allowance for doubtful accounts
Balance, beginning of period	$	130
Additions to allowance		33
Deductions, net of recoveries		(18	)
Balance, end of period	$	145

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

	July 31, 2012		October 31, 2011
	In millions
Allowance for financing receivables individually evaluated for loss	$	47	$	35
Allowance for financing receivables collectively evaluated for loss		98		95
Total	$	145	$	130
Gross financing receivables individually evaluated for loss	$	349	$	228
Gross financing receivables collectively evaluated for loss		6,999		7,079
Total	$	7,348	$	7,307