XML 79 R65.htm IDEA: XBRL DOCUMENT v3.25.1
Loans - Summary of Carrying Amount of Loans Based on Internal Risk Rating Grades (Detail) - CAD ($)
$ in Millions
 3 Months Ended 12 Months Ended
Apr. 30, 2025
Oct. 31, 2024
Jan. 31, 2025
Apr. 30, 2024
Disclosure of internal credit grades [line items]        
Gross residential mortgages $ 283,437 $ 280,672    
ECL allowance 4,191 3,917 $ 4,104 $ 3,898
Net loans 571,639 558,292    
Gross personal 46,856 46,681    
Gross credit card 20,784 20,551    
Gross business and government 224,753 214,305    
Exceptionally Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 170,249 166,645    
Gross personal 18,043 16,772    
Gross credit card 6,923 7,185    
Very Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 86,264 87,124    
Gross personal 10,942 9,697    
Gross credit card 474 502    
Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 13,635 13,967    
Gross personal 8,360 11,872    
Gross credit card 6,937 6,804    
Medium [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 7,635 7,385    
Gross personal 6,779 5,670    
Gross credit card 5,717 5,365    
High [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 1,584 1,568    
Gross personal 1,678 1,567    
Gross credit card 561 524    
Default [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 945 790    
Gross personal 273 260    
Gross business and government 1,830 1,628    
Not Rated [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 3,125 3,193    
Gross personal 781 843    
Gross credit card 172 171    
Gross business and government 251 245    
Investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 109,806 102,531    
Non investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 108,903 106,131    
Watchlist [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 3,963 3,770    
Residential mortgages [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 482 449    
Net loans 282,955 280,223    
Personal [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 1,028 942    
Net loans 45,828 45,739    
Credit card [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 896 902    
Net loans 19,888 19,649    
Business and government [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 1,785 1,624    
Net loans 222,968 212,681    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 270,951 255,657    
ECL allowance 844   805 667
Net loans 539,570 514,526    
Gross personal 42,043 41,967    
Gross credit card 18,495 18,507    
Gross business and government 208,925 199,195    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Exceptionally Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 170,148 160,515    
Gross personal 17,968 16,689    
Gross credit card 6,923 7,185    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Very Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 85,720 81,198    
Gross personal 10,896 9,685    
Gross credit card 474 502    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 11,239 10,329    
Gross personal 6,981 10,498    
Gross credit card 6,495 6,800    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Medium [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 1,100 851    
Gross personal 4,954 3,848    
Gross credit card 4,431 3,853    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | High [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 7 7    
Gross personal 520 465    
Gross credit card 6 2    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Not Rated [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 2,737 2,757    
Gross personal 724 782    
Gross credit card 166 165    
Gross business and government 237 230    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 109,140 101,809    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Non investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 99,499 97,131    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Watchlist [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 49 25    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Residential mortgages [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 92 89    
Net loans 270,859 255,568    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Personal [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 217 221    
Net loans 41,826 41,746    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Credit card [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 262 279    
Net loans 18,233 18,228    
Stage 1 [member] | Financial instruments not credit-impaired [member] | 12-month expected credit losses [member] | Business and government [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 273 211    
Net loans 208,652 198,984    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 11,327 24,021    
ECL allowance 2,443   2,396 2,346
Net loans 29,678 41,668    
Gross personal 4,507 4,422    
Gross credit card 2,289 2,044    
Gross business and government 13,998 13,482    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Exceptionally Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 101 6,130    
Gross personal 75 83    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Very Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 544 5,926    
Gross personal 46 12    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Low [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 2,396 3,638    
Gross personal 1,379 1,374    
Gross credit card 442 4    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Medium [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 6,535 6,534    
Gross personal 1,825 1,822    
Gross credit card 1,286 1,512    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | High [Member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 1,577 1,561    
Gross personal 1,158 1,102    
Gross credit card 555 522    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Not Rated [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 174 232    
Gross personal 24 29    
Gross credit card 6 6    
Gross business and government 14 15    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 666 722    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Non investment grade [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 9,404 9,000    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Watchlist [member]        
Disclosure of internal credit grades [line items]        
Gross business and government 3,914 3,745    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Residential mortgages [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 132 126    
Net loans 11,195 23,895    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Personal [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 605 531    
Net loans 3,902 3,891    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Credit card [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 634 623    
Net loans 1,655 1,421    
Stage 2 [member] | Financial instruments not credit-impaired [member] | Lifetime expected credit losses [member] | Business and government [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 1,072 1,021    
Net loans 12,926 12,461    
Stage 3 [member] | Financial instruments credit-impaired [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 1,159 994    
Net loans 2,391 2,098    
Gross personal 306 292    
Gross business and government 1,830 1,628    
Stage 3 [member] | Financial instruments credit-impaired [member] | Default [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 945 790    
Gross personal 273 260    
Gross business and government 1,830 1,628    
Stage 3 [member] | Financial instruments credit-impaired [member] | Not Rated [member]        
Disclosure of internal credit grades [line items]        
Gross residential mortgages 214 204    
Gross personal 33 32    
Stage 3 [member] | Financial instruments credit-impaired [member] | Residential mortgages [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 258 234    
Net loans 901 760    
Stage 3 [member] | Financial instruments credit-impaired [member] | Personal [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 206 190    
Net loans 100 102    
Stage 3 [member] | Financial instruments credit-impaired [member] | Business and government [member]        
Disclosure of internal credit grades [line items]        
ECL allowance 440 392    
Net loans 1,390 $ 1,236    
Stage 3 [member] | Financial instruments credit-impaired [member] | Lifetime expected credit losses [member]        
Disclosure of internal credit grades [line items]        
ECL allowance $ 904   $ 903 $ 885