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Structured Entities (Tables) | 12 Months Ended
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Oct. 31, 2025
Statement [Line Items] |
Summary of Carrying Value and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities | The following table presents the carrying values and fair values of transferred assets that did not qualify for derecognition and the associated liabilities relating to loan securitizations:
(Canadian $ in millions) |  | 2025 |  |  | 2024 |
|  | Carrying value (1) |  |  | Fair value |  |  | Carrying value (1) |  |  | Fair value |
Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Trading securities (2) |  | $ | 22 |  |  | $ | – |  |  | $ | 106 |  |  | $ | – |
Loans |  |  | 10,525 |  |  |  | – |  |  |  | 9,277 |  |  |  | – |
Other related assets (3) |  |  | 6,752 |  |  |  | – |  |  |  | 6,952 |  |  |  | – |
Total |  | $ | 17,299 |  |  | $ | 17,209 |  |  | $ | 16,335 |  |  | $ | 16,118 |
Associated liabilities (4) |  | $ | 16,977 |  |  | $ | 16,815 |  |  | $ | 15,790 |  |  | $ | 15,598 |
| (1) | Carrying value of loans is net of ACL, where applicable.
| (2) | Trading securities represent CMO issued by third-party sponsored vehicles, where we do not substantially transfer all of the risks and rewards of ownership to third-party investors.
| (3) | Other related assets represent payments received on account of mortgages pledged under securitization programs that have not yet been applied against the associated liabilities. The payments received are held in permitted instruments on behalf of investors in the securitization vehicles until principal payments are required to be made on the associated liabilities. In order to compare all assets supporting the associated liabilities, this amount is added to the carrying value of the securitized assets in the table above.
| (4) | Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet.
Summary of Unconsolidated Structured Entities | The table below presents amounts related to our interests in unconsolidated SEs:
(Canadian $ in millions) |  | 2025 |  |  | 2024 |
|  | Customer securitization vehicles (1) |  |  | Capital vehicles |  |  | Other securitization vehicles |  |  | Customer securitization vehicles (1) |  |  | Capital vehicles |  |  | Other securitization vehicles |
Interests recorded in our Consolidated Balance Sheet |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Financial Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash and cash equivalents |  | $ | 104 |  |  | $ | 4,519 |  |  | $ | – |  |  | $ | 107 |  |  | $ | 5,536 |  |  | $ | – |
Trading securities |  |  | 12 |  |  |  | – |  |  |  | 32,048 |  |  |  | 170 |  |  |  | – |  |  |  | 21,485 |
FVTPL securities |  |  | 84 |  |  |  | – |  |  |  | – |  |  |  | 40 |  |  |  | – |  |  |  | – |
FVOCI securities |  |  | 1,465 |  |  |  | – |  |  |  | – |  |  |  | 1,484 |  |  |  | – |  |  |  | – |
Derivatives |  |  | 3 |  |  |  | – |  |  |  | – |  |  |  | 1 |  |  |  | – |  |  |  | – |
Other |  |  | 48 |  |  |  | 2 |  |  |  | 181 |  |  |  | 8 |  |  |  | – |  |  |  | 169 |
Total |  | $ | 1,716 |  |  | $ | 4,521 |  |  | $ | 32,229 |  |  | $ | 1,810 |  |  | $ | 5,536 |  |  | $ | 21,654 |
Financial Liabilities |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Deposits |  | $ | 104 |  |  | $ | 4,519 |  |  | $ | – |  |  | $ | 107 |  |  | $ | 5,536 |  |  | $ | – |
Derivatives |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3 |  |  |  | – |  |  |  | – |
Other |  |  | – |  |  |  | 62 |  |  |  | – |  |  |  | – |  |  |  | 87 |  |  |  | – |
Total |  | $ | 104 |  |  | $ | 4,581 |  |  | $ | – |  |  | $ | 110 |  |  | $ | 5,623 |  |  | $ | – |
Maximum exposure to loss (2) |  | $ | 21,290 |  |  | $ | 1 |  |  | $ | 32,229 |  |  | $ | 20,998 |  |  | $ | 1 |  |  | $ | 21,654 |
Total assets of the entities |  | $ | 12,866 |  |  | $ | 4,581 |  |  | $ | 112,946 |  |  | $ | 12,956 |  |  | $ | 5,624 |  |  | $ | 87,611 |
| (1) | Securities held that are issued by our Canadian and U.S. customer securitization vehicles comprise asset-backed commercial paper (ABCP) and are classified as either trading securities, FVTPL securities or FVOCI securities.
| (2) | Maximum exposure to loss represents securities held, undrawn liquidity facilities, any remaining unfunded committed amounts to the BMO funded vehicle, derivative assets and other assets.
Consolidated structured entities [member] |
Statement [Line Items] |
Summary of Carrying Value and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities | The following table presents the carrying values and fair values of assets and liabilities related to these consolidated securitization vehicles:
(Canadian $ in millions) |  |  |  |  | 2025 |  |  |  |  |  | 2024 |
|  | Carrying value (1) |  |  | Fair value |  |  | Carrying value (1) |  |  | Fair value |
Assets |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | $ | 10,071 |  |  | $ | 10,071 |  |  | $ | 10,964 |  |  | $ | 10,964 |
Consumer instalment and other personal (2) |  |  | 5,158 |  |  |  | 5,152 |  |  |  | 3,732 |  |  |  | 3,728 |
Total |  | $ | 15,229 |  |  | $ | 15,223 |  |  | $ | 14,696 |  |  | $ | 14,692 |
Associated liabilities (3) |  | $ | 7,017 |  |  | $ | 7,068 |  |  | $ | 9,151 |  |  | $ | 9,146 |
| (1) | Carrying value of loans is net of ACL.
| (2) | Includes real estate lines of credit in 2025 and real estate lines of credit and auto loans in 2024.
| (3) | Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet.

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