XML 42 R28.htm IDEA: XBRL DOCUMENT
v3.25.1

IFRS 7 Disclosure (Tables) | 6 Months Ended
--- | ---
Apr. 30, 2025
Text Block [Abstract] |
Summary of Exposure to Credit Risk | Exposure to credit risk The following table provides our exposure to credit risk by portfolios based upon how we manage the business and the associated risks. Gross credit exposure amounts presented in the table below represent our estimate of exposure at default (EAD), which is net of derivative master netting agreements and credit valuation adjustment (CVA), but is before allowance for credit losses or credit risk mitigation for internal ratings-based (IRB) approaches. Gross credit exposure amounts relating to our business and government portfolios are reduced for collateral held for repo-style transactions, which reflects the EAD value of such collateral. Non-trading equity exposures are not included in the table below as they have been deemed immaterial under the OSFI guidelines, and hence are subject to 100% risk-weighting.
$ millions, as at |  |  |  |  | 2025 Apr. 30 |  |  |  |  |  | 2024 Oct. 31 |
|  |  | IRB approach | (1) |  |  | Standardized approach |  |  |  | Total |  |  |  | IRB approach | (1) |  |  | Standardized approach |  |  |  | Total |
Business and government portfolios |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Drawn |  | $ | 401,816 |  |  | $ | 16,785 |  |  | $ | 418,601 |  |  | $ | 386,836 |  |  | $ | 15,817 |  |  | $ | 402,653 |
Undrawn commitments |  |  | 63,389 |  |  |  | 1,059 |  |  |  | 64,448 |  |  |  | 62,778 |  |  |  | 1,183 |  |  |  | 63,961 |
Repo-style transactions |  |  | 475,812 |  |  |  | – |  |  |  | 475,812 |  |  |  | 408,201 |  |  |  | 1 |  |  |  | 408,202 |
Other off-balance sheet |  |  | 18,042 |  |  |  | 536 |  |  |  | 18,578 |  |  |  | 17,078 |  |  |  | 487 |  |  |  | 17,565 |
OTC derivatives |  |  | 20,691 |  |  |  | 125 |  |  |  | 20,816 |  |  |  | 18,806 |  |  |  | 126 |  |  |  | 18,932 |
Gross EAD on business and government portfolios |  |  | 979,750 |  |  |  | 18,505 |  |  |  | 998,255 |  |  |  | 893,699 |  |  |  | 17,614 |  |  |  | 911,313 |
Less: Collateral held for repo-style transactions |  |  | 453,951 |  |  |  | – |  |  |  | 453,951 |  |  |  | 388,767 |  |  |  | – |  |  |  | 388,767 |
Net EAD on business and government portfolios |  |  | 525,799 |  |  |  | 18,505 |  |  |  | 544,304 |  |  |  | 504,932 |  |  |  | 17,614 |  |  |  | 522,546 |
Retail portfolios |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Drawn |  |  | 334,724 |  |  |  | 6,979 |  |  |  | 341,703 |  |  |  | 331,821 |  |  |  | 6,976 |  |  |  | 338,797 |
Undrawn commitments |  |  | 110,255 |  |  |  | 4,128 |  |  |  | 114,383 |  |  |  | 104,906 |  |  |  | 3,982 |  |  |  | 108,888 |
Other off-balance sheet |  |  | 481 |  |  |  | 124 |  |  |  | 605 |  |  |  | 444 |  |  |  | 114 |  |  |  | 558 |
Gross EAD on retail portfolios |  |  | 445,460 |  |  |  | 11,231 |  |  |  | 456,691 |  |  |  | 437,171 |  |  |  | 11,072 |  |  |  | 448,243 |
Securitization exposures (2) |  |  | 35,564 |  |  |  | 24,013 |  |  |  | 59,577 |  |  |  | 30,901 |  |  |  | 21,251 |  |  |  | 52,152 |
Gross EAD (3) |  | $ | 1,460,774 |  |  | $ | 53,749 |  |  | $ | 1,514,523 |  |  | $ | 1,361,771 |  |  | $ | 49,937 |  |  | $ | 1,411,708 |
Net EAD (3) |  | $ | 1,006,823 |  |  | $ | 53,749 |  |  | $ | 1,060,572 |  |  | $ | 973,004 |  |  | $ | 49,937 |  |  | $ | 1,022,941 |
(1) | Includes exposures subject to the supervisory slotting approach.
(2) | OSFI guidelines define a hierarchy of approaches for treating securitization exposures in our banking book. Depending on the underlying characteristics, exposures are eligible for either the standardized approach or the IRB approach. The external ratings-based approach (SEC-ERBA), which is inclusive of the internal assessment approach (SEC-IAA), includes exposures that qualify for the IRB approach, as well as exposures under the standardized approach.
(3) | Excludes exposures arising from derivative and repo-style transactions which are cleared through qualified central counterparties (QCCPs) as well as credit risk exposures arising from other assets that are subject to the credit risk framework, including other balance sheet assets which are risk-weighted at 100%, significant investments in the capital of non-financial institutions which are risk-weighted at 1250%, settlement risk, and amounts below the thresholds for deduction which are risk-weighted at 250%. Non-trading equity exposures are also excluded and are subject to a range of risk-weightings dependent on the nature of the security.
Summary of Loans Contractually Past Due But Not Impaired |
$ millions, as at |  |  |  |  |  |  |  | 2025 Apr. 30 |  |  | 2024 Oct. 31 |
|  | 31 to 90 days |  |  | Over 90 days |  |  | Total |  |  | Total |
Residential mortgages |  | $ | 1,184 |  |  | $ | – |  |  | $ | 1,184 |  |  | $ | 1,216 |
Personal |  |  | 229 |  |  |  | – |  |  |  | 229 |  |  |  | 261 |
Credit card |  |  | 238 |  |  |  | 173 |  |  |  | 411 |  |  |  | 392 |
Business and government |  |  | 170 |  |  |  | – |  |  |  | 170 |  |  |  | 226 |
|  | $ | 1,821 |  |  | $ | 173 |  |  | $ | 1,994 |  |  | $ | 2,095 |
Summary of Market Risks by Type of Risks | The following table shows VaR for our trading activities based on risk type.
|  | As at or for the three months ended |  |  |  |  |  | As at or for the six months ended |
$ millions |  |  |  |  |  |  |  |  |  |  | 2025 Apr. 30 |  |  |  |  |  | 2025 Jan. 31 |  |  |  |  |  | 2024 Apr. 30 |  |  |  |  |  | 2025 Apr. 30 |  |  | 2024 Apr. 30 |
|  | High |  |  | Low |  |  | As at |  |  | Average |  |  | As at |  |  | Average |  |  | As at |  |  | Average |  |  |  |  |  | Average |  |  | Average |
Interest rate risk |  | $ | 10.2 |  |  | $ | 4.1 |  |  | $ | 6.6 |  |  | $ | 7.0 |  |  | $ | 7.0 |  |  | $ | 8.9 |  |  | $ | 11.7 |  |  | $ | 10.6 |  |  |  |  |  |  | $ | 7.9 |  |  | $ | 9.0 |
Credit spread risk |  |  | 2.9 |  |  |  | 1.2 |  |  |  | 1.4 |  |  |  | 1.6 |  |  |  | 1.3 |  |  |  | 2.1 |  |  |  | 2.4 |  |  |  | 2.4 |  |  |  |  |  |  |  | 1.9 |  |  |  | 2.4 |
Equity risk |  |  | 15.9 |  |  |  | 8.4 |  |  |  | 10.0 |  |  |  | 12.2 |  |  |  | 8.9 |  |  |  | 7.9 |  |  |  | 4.9 |  |  |  | 6.4 |  |  |  |  |  |  |  | 10.0 |  |  |  | 6.0 |
Foreign exchange risk |  |  | 3.0 |  |  |  | 0.5 |  |  |  | 1.1 |  |  |  | 1.1 |  |  |  | 1.3 |  |  |  | 1.6 |  |  |  | 2.7 |  |  |  | 1.5 |  |  |  |  |  |  |  | 1.3 |  |  |  | 1.2 |
Commodity risk |  |  | 9.0 |  |  |  | 2.0 |  |  |  | 2.3 |  |  |  | 5.0 |  |  |  | 5.9 |  |  |  | 2.8 |  |  |  | 3.1 |  |  |  | 2.4 |  |  |  |  |  |  |  | 3.9 |  |  |  | 2.5 |
Diversification effect (1) |  |  | n/m |  |  |  | n/m |  |  |  | (10.8 | ) |  |  | (13.1 | ) |  |  | (13.3 | ) |  |  | (12.4 | ) |  |  | (9.8 | ) |  |  | (10.3 | ) |  |  |  |  |  |  | (12.7 | ) |  |  | (9.9 | )
Total VaR (one-day measure) |  | $ | 16.1 |  |  | $ | 10.6 |  |  | $ | 10.6 |  |  | $ | 13.8 |  |  | $ | 11.1 |  |  | $ | 10.9 |  |  | $ | 15.0 |  |  | $ | 13.0 |  |  |  |  |  |  | $ | 12.3 |  |  | $ | 11.2 |
(1) | Total VaR is less than the sum of the VaR of the different market risk types due to risk offsets resulting from a portfolio diversification effect.
n/m | Not meaningful. It is not meaningful to compute a diversification effect because the high and low may occur on different days for different risk types.
Summary of Structural Interest Rate Sensitivity - Measures |
$ millions (pre-tax), as at |  |  |  |  | 2025 Apr. 30 |  |  |  |  |  |  |  |  | 2025 Jan. 31 |  |  |  |  |  |  |  |  | 2024 Apr. 30 |  |  |  |
|  |  | CAD | (1) |  |  | USD |  |  |  | Total |  |  |  | CAD | (1) |  |  | USD |  |  |  | Total |  |  |  | CAD | (1) |  |  | USD |  |  |  | Total |
100 basis point increase in interest rates |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Increase (decrease) in net interest income |  | $ | 84 |  |  | $ | 37 |  |  | $ | 121 |  |  | $ | 109 |  |  | $ | 41 |  |  | $ | 150 |  |  | $ | 216 |  |  | $ | 89 |  |  | $ | 305 |
Increase (decrease) in EVE |  |  | (1,055 | ) |  |  | (457 | ) |  |  | (1,512 | ) |  |  | (1,061 | ) |  |  | (454 | ) |  |  | (1,515 | ) |  |  | (820 | ) |  |  | (367 | ) |  |  | (1,187 | )
100 basis point decrease in interest rates |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Increase (decrease) in net interest income |  |  | (148 | ) |  |  | (41 | ) |  |  | (189 | ) |  |  | (174 | ) |  |  | (44 | ) |  |  | (218 | ) |  |  | (273 | ) |  |  | (88 | ) |  |  | (361 | )
Increase (decrease) in EVE |  |  | 903 |  |  |  | 463 |  |  |  | 1,366 |  |  |  | 975 |  |  |  | 464 |  |  |  | 1,439 |  |  |  | 724 |  |  |  | 380 |  |  |  | 1,104 |
(1) | Includes CAD and other currency exposures.
Summary of Encumbered and Unencumbered Assets from On- and Off-Balance Sheet Sources | Encumbered and unencumbered liquid assets from on- and off-balance sheet sources are summarized as follows:
$ millions, as at |  |  | Bank owned liquid assets |  |  |  | Securities received as collateral |  |  |  | Total liquid assets |  |  |  | Encumbered liquid assets |  |  |  | Unencumbered liquid assets | (1)
2025 |  | Cash and deposits with banks |  | $ | 49,586 |  |  | $ | – |  |  | $ | 49,586 |  |  | $ | 482 |  |  | $ | 49,104 |
Apr. 30 |  | Securities issued or guaranteed by sovereigns, central banks, and multilateral development banks |  |  | 186,105 |  |  |  | 120,301 |  |  |  | 306,406 |  |  |  | 179,119 |  |  |  | 127,287 |
|  | Other debt securities |  |  | 5,947 |  |  |  | 13,934 |  |  |  | 19,881 |  |  |  | 5,863 |  |  |  | 14,018 |
|  | Equities |  |  | 64,770 |  |  |  | 30,245 |  |  |  | 95,015 |  |  |  | 59,146 |  |  |  | 35,869 |
|  | Canadian government guaranteed National Housing Act mortgage-backed securities |  |  | 32,431 |  |  |  | 5,264 |  |  |  | 37,695 |  |  |  | 23,557 |  |  |  | 14,138 |
|  | Other liquid assets (2) |  |  | 21,881 |  |  |  | 5,875 |  |  |  | 27,756 |  |  |  | 10,147 |  |  |  | 17,609 |
|  |  |  | $ | 360,720 |  |  | $ | 175,619 |  |  | $ | 536,339 |  |  | $ | 278,314 |  |  | $ | 258,025 |
2024 |  | Cash and deposits with banks |  | $ | 48,064 |  |  | $ | – |  |  | $ | 48,064 |  |  | $ | 560 |  |  | $ | 47,504 |
Oct. 31 |  | Securities issued or guaranteed by sovereigns, central banks, and multilateral development banks |  |  | 178,324 |  |  |  | 108,499 |  |  |  | 286,823 |  |  |  | 146,992 |  |  |  | 139,831 |
|  | Other debt securities |  |  | 6,093 |  |  |  | 11,328 |  |  |  | 17,421 |  |  |  | 3,696 |  |  |  | 13,725 |
|  | Equities |  |  | 58,102 |  |  |  | 33,424 |  |  |  | 91,526 |  |  |  | 54,269 |  |  |  | 37,257 |
|  | Canadian government guaranteed National Housing Act mortgage-backed securities |  |  | 35,155 |  |  |  | 2,038 |  |  |  | 37,193 |  |  |  | 20,263 |  |  |  | 16,930 |
|  | Other liquid assets (2) |  |  | 16,021 |  |  |  | 2,849 |  |  |  | 18,870 |  |  |  | 8,971 |  |  |  | 9,899 |
|  |  |  | $ | 341,759 |  |  | $ | 158,138 |  |  | $ | 499,897 |  |  | $ | 234,751 |  |  | $ | 265,146 |
(1) | Unencumbered liquid assets are defined as on-balance sheet assets, assets borrowed or purchased under resale agreements, and other off-balance sheet collateral received less encumbered liquid assets.
(2) | Includes cash pledged as collateral for derivatives transactions, select asset-backed securities and precious metals.
Summary of Contractual Maturity Profile of On-Balance Sheet Assets, Liabilities and Equity at their Carrying Values | The following table provides the contractual maturity profile of our on-balance sheet assets, liabilities and equity at their carrying values. Contractual analysis is not representative of our liquidity risk exposure, however, this information serves to inform our management of liquidity risk, and provide input when modelling a behavioural balance sheet.
$ millions, as at April 30, 2025 |  | Less than 1 month |  |  | 1–3 months |  |  | 3–6 months |  |  | 6–9 months |  |  | 9–12 months |  |  | 1–2 years |  |  | 2–5 years |  |  | Over 5 years |  |  | No specified maturity |  |  | Total |
Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and non-interest-bearing deposits with banks (1) |  | $ | 14,011 |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | – |  |  | $ | 14,011 |
Interest-bearing deposits with banks |  |  | 35,575 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 35,575 |
Securities |  |  | 7,129 |  |  |  | 17,567 |  |  |  | 9,998 |  |  |  | 11,089 |  |  |  | 9,531 |  |  |  | 29,605 |  |  |  | 63,991 |  |  |  | 52,208 |  |  |  | 68,723 |  |  |  | 269,841 |
Cash collateral on securities borrowed |  |  | 18,945 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 18,945 |
Securities purchased under resale agreements |  |  | 49,354 |  |  |  | 19,259 |  |  |  | 14,810 |  |  |  | 4,136 |  |  |  | 2,474 |  |  |  | 1,221 |  |  |  | 7 |  |  |  | – |  |  |  | – |  |  |  | 91,261 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgages |  |  | 5,290 |  |  |  | 11,046 |  |  |  | 21,240 |  |  |  | 15,842 |  |  |  | 27,887 |  |  |  | 90,285 |  |  |  | 101,839 |  |  |  | 10,008 |  |  |  | – |  |  |  | 283,437 |
Personal |  |  | 969 |  |  |  | 581 |  |  |  | 1,011 |  |  |  | 635 |  |  |  | 971 |  |  |  | 665 |  |  |  | 4,745 |  |  |  | 5,134 |  |  |  | 32,145 |  |  |  | 46,856 |
Credit card |  |  | 436 |  |  |  | 873 |  |  |  | 1,309 |  |  |  | 1,309 |  |  |  | 1,309 |  |  |  | 5,238 |  |  |  | 10,310 |  |  |  | – |  |  |  | – |  |  |  | 20,784 |
Business and government (2) |  |  | 4,718 |  |  |  | 6,334 |  |  |  | 13,523 |  |  |  | 15,393 |  |  |  | 14,378 |  |  |  | 57,116 |  |  |  | 78,410 |  |  |  | 22,092 |  |  |  | 12,789 |  |  |  | 224,753 |
Allowance for credit losses |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | (4,191 | ) |  |  | (4,191 | )
Derivative instruments |  |  | 2,717 |  |  |  | 6,622 |  |  |  | 3,068 |  |  |  | 4,022 |  |  |  | 2,458 |  |  |  | 5,815 |  |  |  | 7,721 |  |  |  | 6,067 |  |  |  | – |  |  |  | 38,490 |
Other assets |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 50,381 |  |  |  | 50,381 |
|  | $ | 139,144 |  |  | $ | 62,282 |  |  | $ | 64,959 |  |  | $ | 52,426 |  |  | $ | 59,008 |  |  | $ | 189,945 |  |  | $ | 267,023 |  |  | $ | 95,509 |  |  | $ | 159,847 |  |  | $ | 1,090,143 |
October 31, 2024 |  | $ | 130,008 |  |  | $ | 45,680 |  |  | $ | 57,993 |  |  | $ | 52,094 |  |  | $ | 61,184 |  |  | $ | 186,218 |  |  | $ | 260,975 |  |  | $ | 101,546 |  |  | $ | 146,287 |  |  | $ | 1,041,985 |
Liabilities |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Deposits (3) |  | $ | 44,568 |  |  | $ | 42,098 |  |  | $ | 60,055 |  |  | $ | 48,992 |  |  | $ | 52,330 |  |  | $ | 51,068 |  |  | $ | 65,194 |  |  | $ | 24,072 |  |  | $ | 396,250 |  |  | $ | 784,627 |
Obligations related to securities sold short |  |  | 20,093 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 20,093 |
Cash collateral on securities lent |  |  | 6,715 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 6,715 |
Obligations related to securities sold under repurchase agreements |  |  | 122,041 |  |  |  | 8,279 |  |  |  | 660 |  |  |  | 678 |  |  |  | – |  |  |  | 620 |  |  |  | 1,001 |  |  |  | – |  |  |  | – |  |  |  | 133,279 |
Derivative instruments |  |  | 7,844 |  |  |  | 6,240 |  |  |  | 2,489 |  |  |  | 3,867 |  |  |  | 2,356 |  |  |  | 6,581 |  |  |  | 4,723 |  |  |  | 9,839 |  |  |  | 6 |  |  |  | 43,945 |
Other liabilities (2) |  |  | 34 |  |  |  | 47 |  |  |  | 68 |  |  |  | 69 |  |  |  | 69 |  |  |  | 264 |  |  |  | 587 |  |  |  | 810 |  |  |  | 28,816 |  |  |  | 30,764 |
Subordinated indebtedness |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 34 |  |  |  | 8,740 |  |  |  | – |  |  |  | 8,774 |
Equity |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 61,946 |  |  |  | 61,946 |
|  | $ | 201,295 |  |  | $ | 56,664 |  |  | $ | 63,272 |  |  | $ | 53,606 |  |  | $ | 54,755 |  |  | $ | 58,533 |  |  | $ | 71,539 |  |  | $ | 43,461 |  |  | $ | 487,018 |  |  | $ | 1,090,143 |
October 31, 2024 |  | $ | 188,502 |  |  | $ | 48,833 |  |  | $ | 75,616 |  |  | $ | 49,168 |  |  | $ | 46,158 |  |  | $ | 55,388 |  |  | $ | 73,705 |  |  | $ | 39,445 |  |  | $ | 465,170 |  |  | $ | 1,041,985 |
(1) | Cash includes interest-bearing demand deposits with Bank of Canada.
(2) | Certain information has been revised to conform to the presentation adopted in the first quarter of 2025.
(3) | Comprises $255.5 billion (October 31, 2024: $252.9 billion) of personal deposits; $501.7 billion (October 31, 2024: $492.0 billion) of business and government deposits and secured borrowings; and $27.4 billion (October 31, 2024: $20.0 billion) of bank deposits.
Summary of Off-Balance Sheet Credit Related Commitments | The following table provides the contractual maturity of notional amounts of credit-related commitments. Since a significant portion of commitments are expected to expire without being drawn upon, the total of the contractual amounts is not representative of future liquidity requirements.
$ millions, as at April 30, 2025 |  |  | Less than 1 month |  |  |  | 1–3 months |  |  |  | 3–6 months |  |  |  | 6–9 months |  |  |  | 9–12 months |  |  |  | 1–2 years |  |  |  | 2–5 years |  |  |  | Over 5 years |  |  |  | No specified maturity | (1) |  |  | Total |
Unutilized credit commitments |  | $ | 2,895 |  |  | $ | 9,807 |  |  | $ | 6,618 |  |  | $ | 5,400 |  |  | $ | 7,503 |  |  | $ | 24,263 |  |  | $ | 85,476 |  |  | $ | 3,544 |  |  | $ | 253,155 |  |  | $ | 398,661 |
Standby and performance letters of credit |  |  | 5,318 |  |  |  | 3,645 |  |  |  | 3,608 |  |  |  | 5,827 |  |  |  | 3,886 |  |  |  | 503 |  |  |  | 783 |  |  |  | 189 |  |  |  | – |  |  |  | 23,759 |
Backstop liquidity facilities |  |  | 157 |  |  |  | 216 |  |  |  | 259 |  |  |  | 25,469 |  |  |  | 207 |  |  |  | 120 |  |  |  | 243 |  |  |  | – |  |  |  | – |  |  |  | 26,671 |
Documentary and commercial letters of credit |  |  | 48 |  |  |  | 47 |  |  |  | 57 |  |  |  | 14 |  |  |  | 10 |  |  |  | – |  |  |  | 14 |  |  |  | – |  |  |  | – |  |  |  | 190 |
Other (2) |  |  | 1,292 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 54 |  |  |  | 1,346 |
|  | $ | 9,710 |  |  | $ | 13,715 |  |  | $ | 10,542 |  |  | $ | 36,710 |  |  | $ | 11,606 |  |  | $ | 24,886 |  |  | $ | 86,516 |  |  | $ | 3,733 |  |  | $ | 253,209 |  |  | $ | 450,627 |
October 31, 2024 |  | $ | 18,455 |  |  | $ | 35,462 |  |  | $ | 8,910 |  |  | $ | 11,720 |  |  | $ | 12,084 |  |  | $ | 26,766 |  |  | $ | 77,636 |  |  | $ | 3,562 |  |  | $ | 245,816 |  |  | $ | 440,411 |
(1) | Includes $195.7 billion (October 31, 2024: $189.6 billion) of personal, home equity and credit card lines, which are unconditionally cancellable at our discretion.
(2) | Includes forward-dated securities financing trades.
Summary of Contractual Maturities of Other Contractual Obligations Affecting Our Funding Needs | Other off-balance sheet contractual obligations The following table provides the contractual maturities of other off-balance sheet contractual obligations affecting our funding needs:
$ millions, as at April 30, 2025 |  | Less than 1 month |  |  | 1–3 months |  |  | 3–6 months |  |  | 6–9 months |  |  | 9–12 months |  |  | 1–2 years |  |  | 2–5 years |  |  | Over 5 years |  |  | Total |
Purchase obligations (1) |  | $ | 118 |  |  | $ | 212 |  |  | $ | 267 |  |  | $ | 275 |  |  | $ | 207 |  |  | $ | 643 |  |  | $ | 740 |  |  | $ | 255 |  |  | $ | 2,717 |
Future lease commitments (2) |  |  | – |  |  |  | – |  |  |  | 2 |  |  |  | 5 |  |  |  | 6 |  |  |  | 31 |  |  |  | 95 |  |  |  | 434 |  |  |  | 573 |
Investment commitments |  |  | – |  |  |  | – |  |  |  | 1 |  |  |  | 1 |  |  |  | 12 |  |  |  | 10 |  |  |  | 47 |  |  |  | 488 |  |  |  | 559 |
Underwriting commitments |  |  | 514 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 514 |
Pension contributions (3) |  |  | 14 |  |  |  | 28 |  |  |  | 41 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 83 |
|  | $ | 646 |  |  | $ | 240 |  |  | $ | 311 |  |  | $ | 281 |  |  | $ | 225 |  |  | $ | 684 |  |  | $ | 882 |  |  | $ | 1,177 |  |  | $ | 4,446 |
October 31, 2024 (2) |  | $ | 607 |  |  | $ | 263 |  |  | $ | 292 |  |  | $ | 321 |  |  | $ | 279 |  |  | $ | 737 |  |  | $ | 850 |  |  | $ | 1,203 |  |  | $ | 4,552 |
(1) | Obligations that are legally binding agreements whereby we agree to purchase products or services with specific minimum or baseline quantities defined at fixed, minimum or variable prices over a specified period of time are defined as purchase obligations. Purchase obligations are included through to the termination date specified in the respective agreements, even if the contract is renewable. Many of the purchase agreements for goods and services include clauses that would allow us to cancel the agreement prior to expiration of the contract within a specific notice period. However, the amount above includes our obligations without regard to such termination clauses (unless actual notice of our intention to terminate the agreement has been communicated to the counterparty). The table excludes purchases of debt and equity instruments that settle within standard market time frames.
(2) | Excludes lease obligations that are accounted for under IFRS 16, which are recognized on the interim consolidated balance sheet, and operating and tax expenses relating to lease commitments. The table includes lease obligations that are not accounted for under IFRS 16, including those related to future starting lease commitments for which we have not yet recognized a lease liability and right-of-use asset.
(3) | Includes estimated minimum funding contributions for our funded defined benefit pension plans in Canada, the U.S., the U.K., and the Caribbean. Estimated minimum funding contributions are included only for the remaining annual period ending October 31, 2025 as the minimum contributions are affected by various factors, such as market performance and regulatory requirements, and therefore are subject to significant variability.

X
- Definition Description Of Aging Analysis Of Financial Assets That Are Past Due But Not Impaired. + References No definition available. + Details
Name: | cm_DescriptionOfAgingAnalysisOfFinancialAssetsThatArePastDueButNotImpaired
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure foreign currency sensitivity analysis effect on equity. + References No definition available. + Details
Name: | cm_DisclosureForeignCurrencySensitivityAnalysisEffectOnEquityExplanatory
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of assets, liabilities and equity by contractual maturity. + References No definition available. + Details
Name: | cm_DisclosureOfBalanceSheetByContractualMaturityExplanatory
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of contractual obligations . + References No definition available. + Details
Name: | cm_DisclosureOfContractualObligationsExplanatory
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of encumbered and unencumbered liquid assets. + References No definition available. + Details
Name: | cm_DisclosureOfEncumberedAndUnencumberedLiquidAssetsExplanatory
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Disclosure of value at risk. + References No definition available. + Details
Name: | cm_DisclosureOfValueAtRiskExplanatory
Namespace Prefix: | cm_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Text block [abstract] + References No definition available. + Details
Name: | cm_TextBlockAbstract
Namespace Prefix: | cm_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure of commitments. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_10_e&doctype=Standard -URIDate 2024-03-27 + Details
Name: | ifrs-full_DisclosureOfCommitmentsExplanatory
Namespace Prefix: | ifrs-full_
Data Type: | dtr-2022:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition The disclosure of the credit risk exposure. Credit risk exposure is the credit risk inherent in an entity’s financial assets and commitments to extend credit. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35M&doctype=Standard -URIDate 2024-03-27 + Details
Name: | ifrs-full_DisclosureOfCreditRiskExposureExplanatory
Namespace Prefix: | ifrs-full_
Data Type: | dtr-2022:textBlockItemType
Balance Type: | na
Period Type: | duration