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Segmented Information (Tables) | 12 Months Ended
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Oct. 31, 2025
Segmented Information [abstract] |
Summary of Results by Business Segment | The following table summarizes the segment results for the years ended October 31, 2025 and October 31, 2024. Results by Business Segment 1 (millions of Canadian dollars) For the years ended October 31, 2025 Canadian Personal and Wealth Commercial U.S. Management Wholesale Banking Retail and Insurance Banking 2 Corporate 2 Total Net interest income (loss) $ 16,701 $ 12,368 $ 1,493 $ (18) $ 2,518 $ 33,062 Non-interest income (loss) 3,985 (63) 13,069 8,410 9,314 34,715 Total revenue 20,686 12,305 14,562 8,392 11,832 67,777 Provision for (recovery of) credit losses 2,143 1,514 – 290 559 4,506 Insurance service expenses – – 6,089 – – 6,089 Non-interest expenses 8,382 9,599 4,698 6,048 4,812 33,539 Income (loss) before income taxes and share of net income from investment in Schwab 10,161 1,192 3,775 2,054 6,461 23,643 Provision for (recovery of) income taxes 2,844 (472) 986 444 (392) 3,410 Share of net income from investment in Schwab 3,4 – 277 – – 28 305 Net income (loss) $ 7,317 $ 1,941 $ 2,789 $ 1,610 $ 6,881 $ 20,538 October 31, 2024 Net interest income (loss) $ 15,697 $ 11,600 $ 1,226 $ 582 $ 1,367 $ 30,472 Non-interest income (loss) 4,093 2,113 12,309 6,704 1,532 26,751 Total revenue 19,790 13,713 13,535 7,286 2,899 57,223 Provision for (recovery of) credit losses 1,755 1,532 – 317 649 4,253 Insurance service expenses – – 6,647 – – 6,647 Non-interest expenses 8,010 13,141 4,285 5,576 4,481 35,493 Income (loss) before income taxes and share of net income from investment in Schwab 10,025 (960) 2,603 1,393 (2,231) 10,830 Provision for (recovery of) income taxes 2,806 69 648 275 (1,107) 2,691 Share of net income from investment in Schwab 3,4 – 709 – – (6) 703 Net income (loss) $ 7,219 $ (320) $ 1,955 $ 1,118 $ (1,130) $ 8,842 The retailer program partners’ share of revenues and credit losses is presented in the Corporate segment, with an offsetting amount (representing the partners’ net share) recorded in Non-interest expenses, resulting in no impact to Corporate reported Net income (loss). The Net income (loss) included in the U.S. Retail segment includes only the portion of revenue and credit losses attributable to the Bank under the agreements. 2 Net interest income within Wholesale Banking is calculated on a TEB. The TEB adjustment reflected in Wholesale Banking is reversed in the Corporate segment. 3 The after-tax amounts for amortization of acquired intangibles, the Bank’s share of acquisition and integration charges associated with Schwab’s acquisition of TD Ameritrade, the Bank’s share of Schwab’s restructuring charges, and the Bank’s share of Schwab’s Federal Deposit Insurance Corporation special assessment charge were recorded in the Corporate segment. 4 The Bank’s share of Schwab’s earnings was reported with a one-month lag. Refer to Note 12 for further details. Total Assets by Business Segment (millions of Canadian dollars) Canadian Personal and Wealth Commercial Management Wholesale Banking U.S. Retail and Insurance Banking Corporate Total As at October 31, 2025 Total assets $ 616,115 $ 530,729 $ 25,231 $ 754,391 $ 168,092 $ 2,094,558 As at October 31, 2024 Total assets $ 584,468 $ 606,572 $ 23,217 $ 686,795 $ 160,699 $ 2,061,751
Summary of Results by Geographic Location | RESULTS BY GEOGRAPHY For reporting of geographic results, segments are grouped into Canada, United States, and Other international. Transactions are primarily recorded in the location responsible for recording the revenue or assets. This location frequently corresponds with the location of the legal entity through which the business is conducted and the location of the customer. Results by Geography (millions of Canadian dollars) For the years ended As at October 31 October 31 2025 2025 Total revenue Total assets Canada $ 33,916 $ 1,167,980 United States 29,706 753,258 Other international 4,155 173,320 Total $ 67,777 $ 2,094,558 2024 2024 Canada $ 31,453 $ 1,146,243 United States 22,097 749,353 Other international 3,673 166,155 Total $ 57,223 $ 2,061,751

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