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Loans - Summary of Allowance for Credit Losses (Detail) - CAD ($) $ in Millions | 3 Months Ended
--- | ---
Jan. 31, 2025 | Oct. 31, 2024 | Jan. 31, 2024
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | $ 4,114 |  |
Balance at end of period | 4,376 | $ 4,114 | $ 4,182
Loans | 4,104 | 3,917 | 4,020
Undrawn credit facilities and other off-balance sheet exposures | 272 | 197 | 162
Residential mortgages [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 449 | 502 | 456
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (16) | (24) | (7)
Provision for (reversal of) credit losses net remeasurement | 39 | (18) | 61
Total provision for (reversal of) credit losses | 23 | (42) | 54
Write-offs | (2) | (3) | (3)
Recoveries | 3 |  | 4
Interest income on impaired loans | (8) | (9) | (6)
Foreign exchange and other | 7 | 1 | (2)
Balance at end of period | 472 | 449 | 503
Personal [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 983 | 1,084 | 1,064
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (5) | (18) | (17)
Provision for (reversal of) credit losses changes in model | 56 | (79) |
Provision for (reversal of) credit losses net remeasurement | 180 | 125 | 163
Total provision for (reversal of) credit losses | 231 | 28 | 146
Write-offs | (138) | (141) | (126)
Recoveries | 17 | 15 | 17
Interest income on impaired loans | (2) | (2) | (1)
Foreign exchange and other | 4 | (1) | (2)
Balance at end of period | 1,095 | 983 | 1,098
Credit card [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 955 | 841 | 772
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 5 | 1 | (13)
Provision for (reversal of) credit losses changes in model | 6 | 52 |
Provision for (reversal of) credit losses net remeasurement | 163 | 230 | 148
Total provision for (reversal of) credit losses | 174 | 283 | 135
Write-offs | (204) | (204) | (160)
Recoveries | 35 | 35 | 27
Balance at end of period | 960 | 955 | 774
Business and government [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 1,727 | 1,691 | 1,825
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (29) | (38) | (28)
Provision for (reversal of) credit losses changes in model |  | (23) | 41
Provision for (reversal of) credit losses net remeasurement | 174 | 211 | 237
Total provision for (reversal of) credit losses | 145 | 150 | 250
Write-offs | (77) | (125) | (222)
Recoveries | 14 | 10 | 18
Interest income on impaired loans | (23) | (20) | (23)
Foreign exchange and other | 63 | 21 | (41)
Balance at end of period | 1,849 | 1,727 | 1,807
Stage 1 [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 896 |  |
Balance at end of period | 916 | 896 | 716
Loans | 805 | 800 | 631
Undrawn credit facilities and other off-balance sheet exposures | 111 | 96 | 85
Stage 1 [member] | Residential mortgages [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 89 | 91 | 90
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 4 | 4 | 4
Provision for (reversal of) credit losses net remeasurement | (38) | (36) | (20)
Transfers to 12-month ECL | 36 | 33 | 17
Transfers to lifetime ECL performing | (2) | (3) | (2)
Total provision for (reversal of) credit losses |  | (2) | (1)
Foreign exchange and other | 2 |  | (1)
Balance at end of period | 91 | 89 | 88
Stage 1 [member] | Personal [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 247 | 179 | 174
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 7 | 9 | 8
Provision for (reversal of) credit losses changes in model | (20) | 54 |
Provision for (reversal of) credit losses net remeasurement | (119) | (146) | (128)
Transfers to 12-month ECL | 128 | 164 | 140
Transfers to lifetime ECL performing | (15) | (11) | (18)
Transfers to lifetime ECL credit-impaired | (1) |  |
Total provision for (reversal of) credit losses | (20) | 70 | 2
Foreign exchange and other | 1 | (2) |
Balance at end of period | 228 | 247 | 176
Stage 1 [member] | Credit card [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 295 | 193 | 181
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 10 | 5 | 6
Provision for (reversal of) credit losses changes in model | (26) | 86 |
Provision for (reversal of) credit losses net remeasurement | (213) | (153) | (94)
Transfers to 12-month ECL | 232 | 183 | 119
Transfers to lifetime ECL performing | (21) | (19) | (18)
Total provision for (reversal of) credit losses | (18) | 102 | 13
Balance at end of period | 277 | 295 | 194
Stage 1 [member] | Business and government [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 265 | 311 | 294
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 14 | 8 | 3
Provision for (reversal of) credit losses changes in model |  | (40) | 12
Provision for (reversal of) credit losses net remeasurement | (8) | (87) | (85)
Transfers to 12-month ECL | 47 | 76 | 51
Transfers to lifetime ECL performing | (7) | (8) | (9)
Total provision for (reversal of) credit losses | 46 | (51) | (28)
Foreign exchange and other | 9 | 5 | (8)
Balance at end of period | 320 | 265 | 258
Stage 2 [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 2,393 |  |
Balance at end of period | 2,548 | 2,393 | 2,392
Loans | 2,396 | 2,301 | 2,316
Undrawn credit facilities and other off-balance sheet exposures | 152 | 92 | 76
Stage 2 [member] | Residential mortgages [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 126 | 153 | 142
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (5) | (8) | (2)
Provision for (reversal of) credit losses net remeasurement | 36 | 6 | 38
Transfers to 12-month ECL | (35) | (32) | (16)
Transfers to lifetime ECL performing | 7 | 9 | 3
Transfers to lifetime ECL credit-impaired | (2) | (2) | (1)
Total provision for (reversal of) credit losses | 1 | (27) | 22
Foreign exchange and other | 1 |  | 1
Balance at end of period | 128 | 126 | 165
Stage 2 [member] | Personal [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 546 | 712 | 709
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (5) | (15) | (14)
Provision for (reversal of) credit losses changes in model | 76 | (127) |
Provision for (reversal of) credit losses net remeasurement | 187 | 144 | 183
Transfers to 12-month ECL | (126) | (162) | (140)
Transfers to lifetime ECL performing | 23 | 18 | 19
Transfers to lifetime ECL credit-impaired | (19) | (24) | (23)
Total provision for (reversal of) credit losses | 136 | (166) | 25
Foreign exchange and other | (2) |  | 1
Balance at end of period | 680 | 546 | 735
Stage 2 [member] | Credit card [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 660 | 648 | 591
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (5) | (4) | (19)
Provision for (reversal of) credit losses changes in model | 32 | (34) |
Provision for (reversal of) credit losses net remeasurement | 264 | 273 | 165
Transfers to 12-month ECL | (232) | (183) | (119)
Transfers to lifetime ECL performing | 21 | 19 | 18
Transfers to lifetime ECL credit-impaired | (57) | (59) | (56)
Total provision for (reversal of) credit losses | 23 | 12 | (11)
Balance at end of period | 683 | 660 | 580
Stage 2 [member] | Business and government [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 1,061 | 991 | 864
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (22) | (28) | (20)
Provision for (reversal of) credit losses changes in model |  | 17 | 29
Provision for (reversal of) credit losses net remeasurement | 79 | 165 | 211
Transfers to 12-month ECL | (45) | (72) | (49)
Transfers to lifetime ECL performing | 9 | 11 | 11
Transfers to lifetime ECL credit-impaired | (62) | (29) | (111)
Total provision for (reversal of) credit losses | (41) | 64 | 71
Foreign exchange and other | 37 | 6 | (23)
Balance at end of period | 1,057 | 1,061 | 912
Stage 3 [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 825 |  |
Balance at end of period | 912 | 825 | 1,074
Loans | 903 | 816 | 1,073
Undrawn credit facilities and other off-balance sheet exposures | 9 | 9 | 1
Stage 3 [member] | Residential mortgages [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 234 | 258 | 224
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (15) | (20) | (9)
Provision for (reversal of) credit losses net remeasurement | 41 | 12 | 43
Transfers to 12-month ECL | (1) | (1) | (1)
Transfers to lifetime ECL performing | (5) | (6) | (1)
Transfers to lifetime ECL credit-impaired | 2 | 2 | 1
Total provision for (reversal of) credit losses | 22 | (13) | 33
Write-offs | (2) | (3) | (3)
Recoveries | 3 |  | 4
Interest income on impaired loans | (8) | (9) | (6)
Foreign exchange and other | 4 | 1 | (2)
Balance at end of period | 253 | 234 | 250
Stage 3 [member] | Personal [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 190 | 193 | 181
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (7) | (12) | (11)
Provision for (reversal of) credit losses changes in model |  | (6) |
Provision for (reversal of) credit losses net remeasurement | 112 | 127 | 108
Transfers to 12-month ECL | (2) | (2) | 0
Transfers to lifetime ECL performing | (8) | (7) | (1)
Transfers to lifetime ECL credit-impaired | 20 | 24 | 23
Total provision for (reversal of) credit losses | 115 | 124 | 119
Write-offs | (138) | (141) | (126)
Recoveries | 17 | 15 | 17
Interest income on impaired loans | (2) | (2) | (1)
Foreign exchange and other | 5 | 1 | (3)
Balance at end of period | 187 | 190 | 187
Stage 3 [member] | Credit card [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Provision for (reversal of) credit losses net remeasurement | 112 | 110 | 77
Transfers to lifetime ECL credit-impaired | 57 | 59 | 56
Total provision for (reversal of) credit losses | 169 | 169 | 133
Write-offs | (204) | (204) | (160)
Recoveries | 35 | 35 | 27
Stage 3 [member] | Business and government [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |  |  |
Disclosure of detailed information about borrowings [line items] |  |  |
Balance at beginning of period | 401 | 389 | 667
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (21) | (18) | (11)
Provision for (reversal of) credit losses net remeasurement | 103 | 133 | 111
Transfers to 12-month ECL | (2) | (4) | (2)
Transfers to lifetime ECL performing | (2) | (3) | (2)
Transfers to lifetime ECL credit-impaired | 62 | 29 | 111
Total provision for (reversal of) credit losses | 140 | 137 | 207
Write-offs | (77) | (125) | (222)
Recoveries | 14 | 10 | 18
Interest income on impaired loans | (23) | (20) | (23)
Foreign exchange and other | 17 | 10 | (10)
Balance at end of period | $ 472 | $ 401 | $ 637

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