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Loans - Summary of Allowance for Credit Losses (Detail) - CAD ($) $ in Millions | 12 Months Ended
--- | ---
Oct. 31, 2025 | Oct. 31, 2024
Disclosure of detailed information about borrowings [line items] |  |
Balance at beginning of year | $ 4,114 |
Balance at end of year | 4,739 | $ 4,114
Loans | 4,392 | 3,917
Undrawn credit facilities and other off-balance sheet exposures | 347 | 197
Residential mortgages [member] |  |
Disclosure of detailed information about borrowings [line items] |  |
Balance at beginning of year | 449 | 456
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (81) | (59)
Provision for (reversal of) credit losses changes in model |  | 15
Provision for (reversal of) credit losses net remeasurement | 251 | 76
Total provision for (reversal of) credit losses | 170 | 32
Write-offs | (12) | (18)
Recoveries | 6 | 7
Interest income on impaired loans | (36) | (30)
Foreign exchange and other | (3) | 2
Balance at end of year | 574 | 449
Personal [member] |  |
Disclosure of detailed information about borrowings [line items] |  |
Balance at beginning of year | 983 | 1,064
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (30) | (68)
Provision for (reversal of) credit losses changes in model | 82 | (79)
Provision for (reversal of) credit losses net remeasurement | 704 | 553
Total provision for (reversal of) credit losses | 756 | 406
Write-offs | (571) | (545)
Recoveries | 74 | 62
Interest income on impaired loans | (8) | (7)
Foreign exchange and other | 1 | 3
Balance at end of year | 1,235 | 983
Credit card [member] |  |
Disclosure of detailed information about borrowings [line items] |  |
Balance at beginning of year | 955 | 772
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 3 | (8)
Provision for (reversal of) credit losses changes in model | 6 | 52
Provision for (reversal of) credit losses net remeasurement | 816 | 752
Total provision for (reversal of) credit losses | 825 | 796
Write-offs | (884) | (739)
Recoveries | 152 | 126
Balance at end of year | 1,048 | 955
Business and government [member] |  |
Disclosure of detailed information about borrowings [line items] |  |
Balance at beginning of year | 1,727 | 1,825
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (119) | (108)
Provision for (reversal of) credit losses changes in model | (6) | 18
Provision for (reversal of) credit losses net remeasurement | 716 | 857
Total provision for (reversal of) credit losses | 591 | 767
Write-offs | (409) | (874)
Recoveries | 54 | 77
Interest income on impaired loans | (94) | (84)
Foreign exchange and other | 13 | 16
Balance at end of year | 1,882 | 1,727
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 year | 896 |
Balance at end of year | 1,130 | 896
Loans | 983 | 800
Undrawn credit facilities and other off-balance sheet exposures | 147 | 96
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 year | 89 | 90
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 15 | 15
Provision for (reversal of) credit losses net remeasurement | (134) | (115)
Transfers to 12-month ECL | 141 | 109
Transfers to lifetime ECL performing | (10) | (10)
Total provision for (reversal of) credit losses | 12 | (1)
Foreign exchange and other | (1) |
Balance at end of year | 100 | 89
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 year | 247 | 174
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 40 | 32
Provision for (reversal of) credit losses changes in model | (15) | 54
Provision for (reversal of) credit losses net remeasurement | (575) | (544)
Transfers to 12-month ECL | 623 | 591
Transfers to lifetime ECL performing | (68) | (63)
Transfers to lifetime ECL credit-impaired | (4) |
Total provision for (reversal of) credit losses | 1 | 70
Foreign exchange and other | (1) | 3
Balance at end of year | 247 | 247
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 year | 295 | 181
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 36 | 22
Provision for (reversal of) credit losses changes in model | (26) | 86
Provision for (reversal of) credit losses net remeasurement | (740) | (413)
Transfers to 12-month ECL | 846 | 491
Transfers to lifetime ECL performing | (77) | (72)
Transfers to lifetime ECL credit-impaired | (3) |
Total provision for (reversal of) credit losses | 36 | 114
Balance at end of year | 331 | 295
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 year | 265 | 294
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | 52 | 22
Provision for (reversal of) credit losses changes in model | 79 | (28)
Provision for (reversal of) credit losses net remeasurement | (63) | (194)
Transfers to 12-month ECL | 162 | 215
Transfers to lifetime ECL performing | (48) | (39)
Total provision for (reversal of) credit losses | 182 | (24)
Foreign exchange and other | 5 | (5)
Balance at end of year | 452 | 265
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 year | 2,393 |
Balance at end of year | 2,620 | 2,393
Loans | 2,427 | 2,301
Undrawn credit facilities and other off-balance sheet exposures | 193 | 92
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 year | 126 | 142
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (23) | (19)
Provision for (reversal of) credit losses changes in model |  | 4
Provision for (reversal of) credit losses net remeasurement | 176 | 96
Transfers to 12-month ECL | (133) | (107)
Transfers to lifetime ECL performing | 31 | 19
Transfers to lifetime ECL credit-impaired | (9) | (8)
Total provision for (reversal of) credit losses | 42 | (15)
Foreign exchange and other |  | (1)
Balance at end of year | 168 | 126
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 year | 546 | 709
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (45) | (58)
Provision for (reversal of) credit losses changes in model | 97 | (127)
Provision for (reversal of) credit losses net remeasurement | 795 | 631
Transfers to 12-month ECL | (616) | (588)
Transfers to lifetime ECL performing | 90 | 74
Transfers to lifetime ECL credit-impaired | (70) | (96)
Total provision for (reversal of) credit losses | 251 | (164)
Foreign exchange and other | 6 | 1
Balance at end of year | 803 | 546
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 year | 660 | 591
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (33) | (30)
Provision for (reversal of) credit losses changes in model | 32 | (34)
Provision for (reversal of) credit losses net remeasurement | 1,165 | 771
Transfers to 12-month ECL | (846) | (491)
Transfers to lifetime ECL performing | 77 | 72
Transfers to lifetime ECL credit-impaired | (338) | (219)
Total provision for (reversal of) credit losses | 57 | 69
Balance at end of year | 717 | 660
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 year | 1,061 | 864
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (105) | (82)
Provision for (reversal of) credit losses changes in model | (81) | 46
Provision for (reversal of) credit losses net remeasurement | 340 | 569
Transfers to 12-month ECL | (158) | (201)
Transfers to lifetime ECL performing | 55 | 47
Transfers to lifetime ECL credit-impaired | (177) | (187)
Total provision for (reversal of) credit losses | (126) | 192
Foreign exchange and other | (3) | 5
Balance at end of year | 932 | 1,061
Stage 3 [member] | Financial instruments credit-impaired [member] |  |
Disclosure of detailed information about borrowings [line items] |  |
Loans | 982 | 816
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 year | 825 |
Balance at end of year | 989 | 825
Loans | 982 | 816
Undrawn credit facilities and other off-balance sheet exposures | 7 | 9
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 year | 234 | 224
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (73) | (55)
Provision for (reversal of) credit losses changes in model |  | 11
Provision for (reversal of) credit losses net remeasurement | 209 | 95
Transfers to 12-month ECL | (8) | (2)
Transfers to lifetime ECL performing | (21) | (9)
Transfers to lifetime ECL credit-impaired | 9 | 8
Total provision for (reversal of) credit losses | 116 | 48
Write-offs | (12) | (18)
Recoveries | 6 | 7
Interest income on impaired loans | (36) | (30)
Foreign exchange and other | (2) | 3
Balance at end of year | 306 | 234
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 year | 190 | 181
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (25) | (42)
Provision for (reversal of) credit losses changes in model |  | (6)
Provision for (reversal of) credit losses net remeasurement | 484 | 466
Transfers to 12-month ECL | (7) | (3)
Transfers to lifetime ECL performing | (22) | (11)
Transfers to lifetime ECL credit-impaired | 74 | 96
Total provision for (reversal of) credit losses | 504 | 500
Write-offs | (571) | (545)
Recoveries | 74 | 62
Interest income on impaired loans | (8) | (7)
Foreign exchange and other | (4) | (1)
Balance at end of year | 185 | 190
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 | 391 | 394
Transfers to lifetime ECL credit-impaired | 341 | 219
Total provision for (reversal of) credit losses | 732 | 613
Write-offs | (884) | (739)
Recoveries | 152 | 126
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 year | 401 | 667
Provision for (reversal of) credit losses originations net of repayments and other derecognitions | (66) | (48)
Provision for (reversal of) credit losses changes in model | (4) |
Provision for (reversal of) credit losses net remeasurement | 439 | 482
Transfers to 12-month ECL | (4) | (14)
Transfers to lifetime ECL performing | (7) | (8)
Transfers to lifetime ECL credit-impaired | 177 | 187
Total provision for (reversal of) credit losses | 535 | 599
Write-offs | (409) | (874)
Recoveries | 54 | 77
Interest income on impaired loans | (94) | (84)
Foreign exchange and other | 11 | 16
Balance at end of year | $ 498 | $ 401

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