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Deposits | 12 Months Ended
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Oct. 31, 2025
Text Block [Abstract] |
Deposits |
Note 10 |  | Deposits (1)(2)
$ millions, as at October 31 |  | Payable on demand (3) |  |  | Payable after notice (4) |  |  | Payable on a fixed date (5)(6) |  |  | 2025 Total |  |  | 2024 Total |
Personal |  | $ | 15,185 |  |  | $ | 145,592 |  |  | $ | 97,362 |  |  | $ | 258,139 |  |  | $ | 252,894 |
Business and government (7) |  |  | 109,376 |  |  |  | 128,092 |  |  |  | 219,816 |  |  |  | 457,284 |  |  |  | 435,499 |
Bank |  |  | 17,649 |  |  |  | 337 |  |  |  | 8,737 |  |  |  | 26,723 |  |  |  | 20,009 |
Secured borrowings (8) |  |  | – |  |  |  | – |  |  |  | 65,978 |  |  |  | 65,978 |  |  |  | 56,455 |
Total deposits |  | $ | 142,210 |  |  | $ | 274,021 |  |  | $ | 391,893 |  |  | $ | 808,124 |  |  | $ | 764,857 |
Comprises: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Held at amortized cost |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 764,401 |  |  | $ | 725,849 |
Designated at fair value |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43,723 |  |  |  | 39,008 |
Total deposits |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 808,124 |  |  | $ | 764,857 |
Deposits include: (9) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-interest-bearing deposits |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Canada |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 91,074 |  |  | $ | 84,460 |
U.S. |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12,894 |  |  |  | 12,927 |
Other international |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5,963 |  |  |  | 5,691 |
Interest-bearing deposits |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Canada |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 549,270 |  |  |  | 526,186 |
U.S. |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 107,607 |  |  |  | 101,141 |
Other international |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41,316 |  |  |  | 34,452 |
Total deposits |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 808,124 |  |  | $ | 764,857 |
(1) | Includes deposits of $298.3 billion (2024: $288.4 billion) denominated in U.S. dollars and deposits of $70 billion (2024: $52.9 billion) denominated in other foreign currencies.
(2) | Net of purchased notes of $0.5 billion (2024: $0.6 billion).
(3) | Includes all deposits for which we do not have the right to require notice of withdrawal. These deposits are generally chequing accounts.
(4) | Includes all deposits for which we can legally require notice of withdrawal. These deposits are generally savings accounts.
(5) | Includes all deposits that mature on a specified date. These deposits are generally term deposits, guaranteed investment certificates, and similar instruments.
(6) | Includes $67.0 billion (2024: $61.1 billion) of deposits which are subject to the bank recapitalization (bail-in) conversion regulations issued by the Department of Finance Canada. These regulations provide certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities of CIBC into common shares in the event that CIBC is determined to be non-viable.
(7) | Includes $17.3 billion (2024: $15.5 billion) of structured note liabilities that were sold upon issuance to third-party financial intermediaries, who may resell the notes to retail investors in foreign jurisdictions.
(8) | Comprises liabilities issued by or as a result of activities associated with the securitization of residential mortgages, Covered Bond Programme, and consolidated securitization vehicles.
(9) | Classification is based on geographical location of the CIBC office.

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