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Goodwill and Other Intangibles (Tables) | 12 Months Ended
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Oct. 31, 2025
Goodwill and Other Intangibles [Abstract] |
Summary of Goodwill by Segment | Goodwill by Segment (millions of Canadian dollars) Canadian Personal and Wealth Commercial U.S. Management Wholesale Banking Retail 1 and Insurance Banking Total Carrying amount of goodwill as at November 1, 2023 $ 902 $ 14,620 $ 2,122 $ 958 $ 18,602 Additions (disposals) 2 – – – 128 128 Foreign currency translation adjustments and other – 43 3 75 121 Carrying amount of goodwill as at October 31, 2024 3 $ 902 $ 14,663 $ 2,125 $ 1,161 $ 18,851 Additions (disposals) – – – – – Foreign currency translation adjustments and other 1 113 7 8 129 Carrying amount of goodwill as at October 31, 2025 3 $ 903 $ 14,776 $ 2,132 $ 1,169 $ 18,980 Pre-tax discount rates 2024 9.7 – 9.9 % 10.7 – 11.8 % 10.9 – 11.0 % 14.4 % 2025 9.9 – 10.7 11.0 – 11.8 11.0 – 11.9 13.3 1 Goodwill predominantly relates to U.S. Personal and Commercial Banking. 2 Includes adjustments to the purchase price allocation in connection with the Cowen acquisition. 3 Accumulated impairment as at October 31, 2025 and October 31, 2024 was nil .
Summary of Other Intangibles | The following table presents details of other intangibles as at October 31, 2025 and October 31, 2024. Other Intangibles (millions of Canadian dollars) Credit card Internally Core deposit related generated Other Other intangibles intangibles software software intangibles Total Cost As at November 1, 2023 $ 2,712 $ 850 $ 3,103 $ 236 $ 1,556 $ 8,457 Additions – – 961 23 9 993 Disposals – – (5) (6) (6) (17) Fully amortized intangibles – – (627) (60) – (687) Foreign currency translation adjustments and other 1 8 1 (25) 2 36 22 As at October 31, 2024 $ 2,720 $ 851 $ 3,407 $ 195 $ 1,595 $ 8,768 Additions – – 1,095 70 – 1,165 Disposals – – (3) (7) 5 (5) Fully amortized intangibles (2,741) (734) (300) (46) (509) (4,330) Foreign currency translation adjustments and other 21 1 (4) 1 (9) 10 As at October 31, 2025 $ – $ 118 $ 4,195 $ 213 $ 1,082 $ 5,608 Amortization and impairment As at November 1, 2023 $ 2,712 $ 785 $ 1,127 $ 163 $ 899 $ 5,686 Disposals – – – (3) – (3) Impairment losses (reversals) – – – – – – Amortization charge for the year – 11 498 32 161 702 Fully amortized intangibles – – (627) (60) – (687) Foreign currency translation adjustments and other 1 8 – (2) 3 17 26 As at October 31, 2024 $ 2,720 $ 796 $ 996 $ 135 $ 1,077 $ 5,724 Disposals – – (7) (3) – (10) Impairment losses (reversals) – – – – – – Amortization charge for the year – 11 586 58 125 780 Fully amortized intangibles (2,741) (734) (300) (46) (509) (4,330) Foreign currency translation adjustments and other 21 1 13 1 (1) 35 As at October 31, 2025 $ – $ 74 $ 1,288 $ 145 $ 692 $ 2,199 Net Book Value: As at October 31, 2024 $ – $ 55 $ 2,411 $ 60 $ 518 $ 3,044 As at October 31, 2025 – 44 2,907 68 390 3,409 1 Includes amounts related to restructuring. Refer to Note 25 for further details.

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- Definition The disclosure of detailed information about intangible assets. [Refer: Intangible assets other than goodwill] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 38 -IssueDate 2024-01-01 -Paragraph 118 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=38&code=ifrs-tx-2024-en-r&anchor=para_118&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The disclosure of the reconciliation of changes in goodwill. [Refer: Goodwill] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 3 -IssueDate 2024-01-01 -Paragraph B67 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=3&code=ifrs-tx-2024-en-r&anchor=para_B67_d&doctype=Appendix&subtype=B -URIDate 2024-03-27 + Details
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