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Deposits | 12 Months Ended
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Oct. 31, 2025
Deposits [Abstract] |
Deposits | NOTE 16: DEPOSITS Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which primarily include business and government chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal, which include both savings and chequing accounts. Term deposits are payable on a given date of maturity and are purchased by customers to earn interest over a fixed period, with terms ranging from one day to ten years and generally include fixed term deposits, guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in denominations of $100,000 or more as at October 31, 2025 was $ 544 billion (October 31, 2024 – $ 546 billion). Deposits (millions of Canadian dollars) As at October 31 October 31 By Type By Country 2025 2024 Demand Notice Term 1 Canada United States International Total Total Personal $ 24,606 $ 488,831 $ 136,959 $ 354,799 $ 295,597 $ – $ 650,396 $ 641,667 Banks 11,379 417 15,437 21,937 1,235 4,061 27,233 57,698 Business and government 2 161,003 204,780 223,692 426,753 161,610 1,112 589,475 569,315 196,988 694,028 376,088 803,489 458,442 5,173 1,267,104 1,268,680 Trading – – 37,882 27,633 4,290 5,959 37,882 30,412 Designated at fair value through profit or loss 3 – – 197,336 63,949 78,960 54,427 197,336 207,668 Total $ 196,988 $ 694,028 $ 611,306 $ 895,071 $ 541,692 $ 65,559 $ 1,502,322 $ 1,506,760 Non-interest-bearing deposits included above 4 Canada $ 60,796 $ 58,873 United States 73,364 73,509 International 1 – Interest-bearing deposits included above 4 Canada 834,275 781,526 United States 5 468,328 504,896 International 65,558 87,956 Total 2,6 $ 1,502,322 $ 1,506,760 1 Includes $ 104.3 billion (October 31, 2024 – $ 97.6 billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares in the event that the Bank becomes non-viable. 2 Includes $ 70.6 billion relating to covered bondholders (October 31, 2024 – $ 75.4 billion). 3 Financial liabilities designated at FVTPL on the Consolidated Balance Sheet also includes $ 299 million (October 31, 2024 – $ 246 million) of loan commitments, financial guarantees and other liabilities designated at FVTPL. 4 The geographical splits of the deposits are based on the point of origin of the deposits. 5 Includes $ 7.2 billion (October 31, 2024 – $ 13.1 billion) of U.S. federal funds deposited and $ 1.1 billion (October 31, 2024 – $ 36.2 billion) of deposits and advances with the FHLB. 6 Includes deposits of $ 807.7 billion (October 31, 2024 – $ 810.2 billion) denominated in U.S. dollars and $ 111.1 billion (October 31, 2024 – $ 140.7 billion) denominated in other foreign currencies. Term Deposits by Remaining Term-to-Maturity (millions of Canadian dollars) As at October 31 October 31 2025 2024 Over Over Over Over Within 1 year to 2 years to 3 years to 4 years to Over 1 year 2 years 3 years 4 years 5 years 5 years Total Total Personal $ 106,877 $ 17,296 $ 6,753 $ 3,752 $ 2,279 $ 2 $ 136,959 $ 143,758 Banks 15,433 2 1 – 1 – 15,437 44,735 Business and government 83,830 51,067 28,311 14,668 13,812 32,004 223,692 225,517 Trading 20,538 6,314 4,140 1,538 2,253 3,099 37,882 30,412 Designated at fair value through profit or loss 196,684 652 – – – – 197,336 207,668 Total $ 423,362 $ 75,331 $ 39,205 $ 19,958 $ 18,345 $ 35,105 $ 611,306 $ 652,090 Term Deposits due within a Year (millions of Canadian dollars) As at October 31 October 31 2025 2024 Over 3 Over 6 Within months to months to 3 months 6 months 12 months Total Total Personal $ 45,952 $ 24,351 $ 36,574 $ 106,877 $ 113,041 Banks 15,328 56 49 15,433 44,732 Business and government 39,046 19,236 25,548 83,830 87,025 Trading 7,493 5,288 7,757 20,538 15,622 Designated at fair value through profit or loss 95,227 57,600 43,857 196,684 206,191 Total $ 203,046 $ 106,531 $ 113,785 $ 423,362 $ 466,611

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