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Insurance (Summary of Movements in Property ans Casualty Insurance Liabilities (Details) - CAD ($) $ in Millions | 12 Months Ended
--- | ---
Oct. 31, 2025 | Oct. 31, 2024
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | $ 7,169 |
Insurance contract liabilities | 7,278 | $ 7,169
Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | 7,025 | 5,719
Insurance revenue | (6,230) | (5,506)
Incurred claims and other insurance service expenses | 4,342 | 5,050
Amortization of insurance acquisition cash flows | 864 | 803
Losses and reversal of losses on onerous contracts | 163 | 117
Changes to liabilities for incurred claims | (150) | (179)
Insurance service result | (1,011) | 285
Insurance finance (income) expenses | 345 | 505
Total changes in the Consolidated Statement of Income | (666) | 790
Premiums received | 6,268 | 5,576
Claims and other insurance service expenses paid | (4,576) | (4,264)
Acquisition cash flows paid | (912) | (796)
Total cash flows | 780 | 516
Insurance contract liabilities | 7,139 | 7,025
Risk Adjustment [Member] | Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Incurred claims and other insurance service expenses | 70 |
Amortization of insurance acquisition cash flows | 0 |
Losses and reversal of losses on onerous contracts | 0 |
Changes to liabilities for incurred claims | (116) |
Insurance service result | (46) |
Insurance finance (income) expenses | 11 |
Premiums received | 0 |
Claims and other insurance service expenses paid | 0 |
Acquisition cash flows paid | 0 |
Liabilities For Remaining Coverage Excluding Loss Component [Member] | Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | 714 | 630
Insurance revenue | (6,230) | (5,506)
Incurred claims and other insurance service expenses | 0 | 0
Amortization of insurance acquisition cash flows | 864 | 803
Losses and reversal of losses on onerous contracts | 0 | 0
Changes to liabilities for incurred claims | 0 | 0
Insurance service result | (5,366) | (4,703)
Insurance finance (income) expenses | 2 | 7
Total changes in the Consolidated Statement of Income | (5,364) | (4,696)
Premiums received | 6,268 | 5,576
Claims and other insurance service expenses paid | 0 | 0
Acquisition cash flows paid | (912) | (796)
Total cash flows | 5,356 | 4,780
Insurance contract liabilities | 706 | 714
Liabilities Fro Remaining Coverage Loss Component [Member] | Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | 101 | 129
Insurance revenue |  | 0
Incurred claims and other insurance service expenses | (148) | (145)
Amortization of insurance acquisition cash flows | 0 | 0
Losses and reversal of losses on onerous contracts | 163 | 117
Changes to liabilities for incurred claims | 0 | 0
Insurance service result | 15 | (28)
Insurance finance (income) expenses | 0 | 0
Total changes in the Consolidated Statement of Income | 15 | (28)
Premiums received | 0 | 0
Claims and other insurance service expenses paid | 0 | 0
Acquisition cash flows paid | 0 | 0
Total cash flows | 0 | 0
Insurance contract liabilities | 116 | 101
Liabilities For Incurred Claims [Member] | Estimates Of Present Value Of Future Cash Flows [Member] | Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | 5,989 | 4,740
Insurance revenue |  | 0
Incurred claims and other insurance service expenses | 4,420 | 5,099
Amortization of insurance acquisition cash flows | 0 | 0
Losses and reversal of losses on onerous contracts | 0 | 0
Changes to liabilities for incurred claims | (34) | (65)
Insurance service result | 4,386 | 5,034
Insurance finance (income) expenses | 332 | 479
Total changes in the Consolidated Statement of Income | 4,718 | 5,513
Premiums received | 0 | 0
Claims and other insurance service expenses paid | (4,576) | (4,264)
Acquisition cash flows paid | 0 | 0
Total cash flows | (4,576) | (4,264)
Insurance contract liabilities | 6,131 | 5,989
Liabilities For Incurred Claims [Member] | Risk Adjustment [Member] | Property And Casualty [Member] |  |
Disclosure Of Reconciliation Of Changes In Insurance Contracts By Remaining Coverage And Incurred Claims [Line Items] |  |
Insurance contract liabilities | 221 | 220
Insurance revenue |  | 0
Incurred claims and other insurance service expenses |  | 96
Amortization of insurance acquisition cash flows |  | 0
Losses and reversal of losses on onerous contracts |  | 0
Changes to liabilities for incurred claims |  | (114)
Insurance service result |  | (18)
Insurance finance (income) expenses |  | 19
Total changes in the Consolidated Statement of Income | (35) | 1
Premiums received |  | 0
Claims and other insurance service expenses paid |  | 0
Acquisition cash flows paid |  | 0
Total cash flows | 0 | 0
Insurance contract liabilities | $ 186 | $ 221

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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from insurance acquisition cash flows. Insurance acquisition cash flows are cash flows arising from the costs of selling, underwriting and starting a group of insurance contracts (issued or expected to be issued) that are directly attributable to the portfolio of insurance contracts to which the group belongs. Such cash flows include cash flows that are not directly attributable to individual contracts or groups of insurance contracts within the portfolio. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 105 -Subparagraph a -Clause ii -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_105_a_ii&doctype=Standard -URIDate 2024-03-27 + Details
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