Financing Receivables and Operating Leases (Tables)

6 Months Ended

Apr. 30, 2013

Financing Receivables and Operating Leases

Components of financing receivables

	April 30, 2013			October 31, 2012
	In millions
Minimum lease payments receivable		$7,725			$8,133
Unguaranteed residual value		255			248
Unearned income		(651	)		(688	)
Financing receivables, gross		7,329			7,693
Allowance for doubtful accounts		(149	)		(149	)
Financing receivables, net		7,180			7,544
Less current portion		(3,212	)		(3,252	)
Amounts due after one year, net		$3,968			$4,292

Credit risk profile of gross financing receivables

	April 30, 2013		October 31, 2012
	In millions
Risk Rating
Low	$	4,128	$	4,461
Moderate		3,100		3,151
High		101		81
Total	$	7,329	$	7,693

Allowance for doubtful accounts

	Six months ended April 30, 2013
	In millions
Allowance for doubtful accounts
Balance, beginning of period	$	149
Change in estimates		14
Deductions, net of recoveries		(14	)
Balance, end of period	$	149

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

	April 30, 2013		October 31, 2012
	In millions
Allowance for financing receivables collectively evaluated for loss	$	100	$	104
Allowance for financing receivables individually evaluated for loss		49		45
Total	$	149	$	149
Gross financing receivables collectively evaluated for loss	$	6,956	$	7,355
Gross financing receivables individually evaluated for loss		373		338
Total	$	7,329	$	7,693
Gross financing receivables on non-accrual status	$	208	$	225
Gross financing receivables 90 days past due and still accruing interest		165		113
Total	$	373	$	338