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Premises and Equipment (Tables) | 12 Months Ended
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Oct. 31, 2025
Text Block [Abstract] |
Summary of Maximum Estimated Useful Lives to Amortize Assets | The maximum estimated useful lives we use to depreciate our assets are as follows:
Buildings |  |  | 10 to 40 years |
Computer equipment and operating system software |  |  | 5 to 7 years |
Other equipment |  |  | 10 years |
Leasehold improvements |  |  | Lease term to a maximum of 10 years |
Summary of Net Rent Expense for Premises and Equipment | The total cost and associated accumulated depreciation for premises and equipment that we own or lease are set out below:
(Canadian $ in millions) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Land and buildings |  |  | Computer equipment |  |  | Other equipment |  |  | Leasehold improvements |  |  | Right-of-use assets |  |  | Total |
Cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2023 |  | $ | 2,370 |  |  | $ | 2,923 |  |  | $ | 1,060 |  |  | $ | 2,413 |  |  | $ | 4,357 |  |  | $ | 13,123 |
Additions/lease modifications |  |  | 81 |  |  |  | 270 |  |  |  | 117 |  |  |  | 352 |  |  |  | 171 |  |  |  | 991 |
Disposals |  |  | (48 | ) |  |  | (22 | ) |  |  | (11 | ) |  |  | (26 | ) |  |  | – |  |  |  | (107 | )
Fully depreciated assets |  |  | (32 | ) |  |  | (694 | ) |  |  | (257 | ) |  |  | (71 | ) |  |  | (96 | ) |  |  | (1,150 | )
Foreign exchange and other |  |  | 5 |  |  |  | 3 |  |  |  | 2 |  |  |  | 7 |  |  |  | 12 |  |  |  | 29 |
Balance at October 31, 2024 |  |  | 2,376 |  |  |  | 2,480 |  |  |  | 911 |  |  |  | 2,675 |  |  |  | 4,444 |  |  |  | 12,886 |
Additions/lease modifications |  |  | 86 |  |  |  | 358 |  |  |  | 67 |  |  |  | 209 |  |  |  | 287 |  |  |  | 1,007 |
Disposals |  |  | (18 | ) |  |  | (17 | ) |  |  | (3 | ) |  |  | (11 | ) |  |  | (2 | ) |  |  | (51 | )
Fully depreciated assets |  |  | (7 | ) |  |  | (534 | ) |  |  | (61 | ) |  |  | (10 | ) |  |  | (97 | ) |  |  | (709 | )
Foreign exchange and other |  |  | 8 |  |  |  | 5 |  |  |  | 3 |  |  |  | 8 |  |  |  | 24 |  |  |  | 48 |
Balance at October 31, 2025 |  | $ | 2,445 |  |  | $ | 2,292 |  |  | $ | 917 |  |  | $ | 2,871 |  |  | $ | 4,656 |  |  | $ | 13,181 |
Accumulated Depreciation and Impairment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2023 |  | $ | 1,238 |  |  | $ | 2,228 |  |  | $ | 704 |  |  | $ | 1,356 |  |  | $ | 1,356 |  |  | $ | 6,882 |
Disposals |  |  | (29 | ) |  |  | (12 | ) |  |  | (8 | ) |  |  | (21 | ) |  |  | – |  |  |  | (70 | )
Depreciation |  |  | 64 |  |  |  | 261 |  |  |  | 76 |  |  |  | 167 |  |  |  | 402 |  |  |  | 970 |
Fully depreciated assets |  |  | (32 | ) |  |  | (694 | ) |  |  | (257 | ) |  |  | (71 | ) |  |  | (96 | ) |  |  | (1,150 | )
Foreign exchange and other (1) |  |  | 1 |  |  |  | (4 | ) |  |  | (6 | ) |  |  | 5 |  |  |  | 9 |  |  |  | 5 |
Balance at October 31, 2024 |  |  | 1,242 |  |  |  | 1,779 |  |  |  | 509 |  |  |  | 1,436 |  |  |  | 1,671 |  |  |  | 6,637 |
Disposals |  |  | (16 | ) |  |  | (15 | ) |  |  | (1 | ) |  |  | (7 | ) |  |  | – |  |  |  | (39 | )
Depreciation |  |  | 74 |  |  |  | 270 |  |  |  | 82 |  |  |  | 190 |  |  |  | 399 |  |  |  | 1,015 |
Fully depreciated assets |  |  | (7 | ) |  |  | (534 | ) |  |  | (61 | ) |  |  | (10 | ) |  |  | (97 | ) |  |  | (709 | )
Foreign exchange and other (1) |  |  | 20 |  |  |  | – |  |  |  | (5 | ) |  |  | 2 |  |  |  | 8 |  |  |  | 25 |
Balance at October 31, 2025 |  | $ | 1,313 |  |  | $ | 1,500 |  |  | $ | 524 |  |  | $ | 1,611 |  |  | $ | 1,981 |  |  | $ | 6,929 |
Net Carrying Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2025 |  | $ | 1,132 |  |  | $ | 792 |  |  | $ | 393 |  |  | $ | 1,260 |  |  | $ | 2,675 |  |  | $ | 6,252 |
Balance at October 31, 2024 |  |  | 1,134 |  |  |  | 701 |  |  |  | 402 |  |  |  | 1,239 |  |  |  | 2,773 |  |  |  | 6,249 |
| (1) | Includes impairment charges.

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