Financing Receivables and Operating Leases (Tables)

3 Months Ended

Jan. 31, 2013

Financing Receivables and Operating Leases

Components of financing receivables

	January 31, 2013			October 31, 2012
	In millions
Minimum lease payments receivable	$	8,016		$	8,133
Unguaranteed residual value		254			248
Unearned income		(679	)		(688	)
Financing receivables, gross		7,591			7,693
Allowance for doubtful accounts		(154	)		(149	)
Financing receivables, net		7,437			7,544
Less current portion		(3,316	)		(3,252	)
Amounts due after one year, net	$	4,121		$	4,292

Credit risk profile of gross financing receivables

	January 31, 2013		October 31, 2012
	In millions
Risk Rating
Low	$	4,346	$	4,461
Moderate		3,148		3,151
High		97		81
Total	$	7,591	$	7,693

Allowance for doubtful accounts

	Three months ended January 31, 2013
	In millions
Allowance for doubtful accounts
Balance, beginning of period	$	149
Additions to allowance		9
Deductions, net of recoveries		(4	)
Balance, end of period	$	154

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

	January 31, 2013		October 31, 2012
	In millions
Allowance for financing receivables individually evaluated for loss	$	52	$	45
Allowance for financing receivables collectively evaluated for loss		102		104
Total	$	154	$	149
Gross financing receivables individually evaluated for loss	$	496	$	338
Gross financing receivables collectively evaluated for loss		7,095		7,355
Total	$	7,591	$	7,693