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Operating and Geographic Segmentation (Tables) | 12 Months Ended
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Oct. 31, 2025
Text Block [Abstract] |
Schedule of Operating Segments | Our results and average assets, grouped by operating segment, are as follows:
(Canadian $ in millions) |  | Canadian P&C |  |  | U.S. Banking (1) |  |  | Wealth Management |  |  | Capital Markets (1) |  |  | Corporate Services (1) (2) |  |  | 2025 Total |
Net interest income |  | $ | 9,667 |  |  | $ | 9,017 |  |  | $ | 1,020 |  |  | $ | 2,482 |  |  | $ | (699 | ) |  | $ | 21,487 |
Non-interest revenue |  |  | 2,595 |  |  |  | 2,466 |  |  |  | 4,282 |  |  |  | 4,965 |  |  |  | 479 |  |  |  | 14,787 |
Total Revenue |  |  | 12,262 |  |  |  | 11,483 |  |  |  | 5,302 |  |  |  | 7,447 |  |  |  | (220 | ) |  |  | 36,274 |
Provision for credit losses on impaired loans |  |  | 1,952 |  |  |  | 1,010 |  |  |  | 8 |  |  |  | 133 |  |  |  | 44 |  |  |  | 3,147 |
Provision for (recovery of) credit losses on performing loans |  |  | 412 |  |  |  | 33 |  |  |  | 2 |  |  |  | 68 |  |  |  | (45 | ) |  |  | 470 |
Total provision (recovery of) for credit losses |  |  | 2,364 |  |  |  | 1,043 |  |  |  | 10 |  |  |  | 201 |  |  |  | (1 | ) |  |  | 3,617 |
Depreciation and amortization |  |  | 644 |  |  |  | 990 |  |  |  | 215 |  |  |  | 331 |  |  |  | – |  |  |  | 2,180 |
Non-interest expense |  |  | 4,716 |  |  |  | 5,865 |  |  |  | 3,245 |  |  |  | 4,285 |  |  |  | 816 |  |  |  | 18,927 |
Income (loss) before taxes and non-controlling interest in subsidiaries |  |  | 4,538 |  |  |  | 3,585 |  |  |  | 1,832 |  |  |  | 2,630 |  |  |  | (1,035 | ) |  |  | 11,550 |
Provision for (recovery of) income taxes |  |  | 1,243 |  |  |  | 775 |  |  |  | 451 |  |  |  | 653 |  |  |  | (297 | ) |  |  | 2,825 |
Reported net income (loss) |  | $ | 3,295 |  |  | $ | 2,810 |  |  | $ | 1,381 |  |  | $ | 1,977 |  |  | $ | (738 | ) |  | $ | 8,725 |
Non-controlling interest in subsidiaries |  | $ | – |  |  | $ | 14 |  |  | $ | – |  |  | $ | – |  |  | $ | 2 |  |  | $ | 16 |
Net income (loss) attributable to bank shareholders |  | $ | 3,295 |  |  | $ | 2,796 |  |  | $ | 1,381 |  |  | $ | 1,977 |  |  | $ | (740 | ) |  | $ | 8,709 |
Average assets (3) |  | $ | 344,176 |  |  | $ | 257,177 |  |  | $ | 53,224 |  |  | $ | 551,491 |  |  | $ | 274,493 |  |  | $ | 1,480,561 |
|  | Canadian P&C |  |  | U.S. Banking (1) |  |  | Wealth Management |  |  | Capital Markets (1) |  |  | Corporate Services (1) (2) |  |  | 2024 Total |
Net interest income |  | $ | 8,852 |  |  | $ | 8,602 |  |  | $ | 873 |  |  | $ | 1,731 |  |  | $ | (590 | ) |  | $ | 19,468 |
Non-interest revenue |  |  | 2,587 |  |  |  | 2,209 |  |  |  | 3,726 |  |  |  | 4,785 |  |  |  | 20 |  |  |  | 13,327 |
Total Revenue |  |  | 11,439 |  |  |  | 10,811 |  |  |  | 4,599 |  |  |  | 6,516 |  |  |  | (570 | ) |  |  | 32,795 |
Provision for credit losses on impaired loans |  |  | 1,326 |  |  |  | 1,285 |  |  |  | 15 |  |  |  | 367 |  |  |  | 73 |  |  |  | 3,066 |
Provision for (recovery of) credit losses on performing loans |  |  | 333 |  |  |  | 392 |  |  |  | 2 |  |  |  | 2 |  |  |  | (34 | ) |  |  | 695 |
Total provision for credit losses |  |  | 1,659 |  |  |  | 1,677 |  |  |  | 17 |  |  |  | 369 |  |  |  | 39 |  |  |  | 3,761 |
Depreciation and amortization |  |  | 590 |  |  |  | 1,006 |  |  |  | 215 |  |  |  | 299 |  |  |  | – |  |  |  | 2,110 |
Non-interest expense |  |  | 4,415 |  |  |  | 5,684 |  |  |  | 2,961 |  |  |  | 3,979 |  |  |  | 350 |  |  |  | 17,389 |
Income (loss) before taxes and non-controlling interest in subsidiaries |  |  | 4,775 |  |  |  | 2,444 |  |  |  | 1,406 |  |  |  | 1,869 |  |  |  | (959 | ) |  |  | 9,535 |
Provision for (recovery of) income taxes |  |  | 1,318 |  |  |  | 434 |  |  |  | 339 |  |  |  | 377 |  |  |  | (260 | ) |  |  | 2,208 |
Reported net income (loss) |  | $ | 3,457 |  |  | $ | 2,010 |  |  | $ | 1,067 |  |  | $ | 1,492 |  |  | $ | (699 | ) |  | $ | 7,327 |
Non-controlling interest in subsidiaries |  | $ | – |  |  | $ | 2 |  |  | $ | – |  |  | $ | – |  |  | $ | 7 |  |  | $ | 9 |
Net income (loss) attributable to bank shareholders |  | $ | 3,457 |  |  | $ | 2,008 |  |  | $ | 1,067 |  |  | $ | 1,492 |  |  | $ | (706 | ) |  | $ | 7,318 |
Average assets (3) |  | $ | 327,883 |  |  | $ | 251,881 |  |  | $ | 49,134 |  |  | $ | 468,963 |  |  | $ | 271,554 |  |  | $ | 1,369,415 |
| (1) | Operating segments report on a teb basis – see Basis of Presentation section.
| (2) | Corporate Services includes T&O.
| (3) | Included within average assets are average earning assets, which comprise deposits with other banks, deposits at central banks, securities borrowed or purchased under resale agreements, loans and securities. Total average earning assets for 2025 are $1,305,072 million, including $342,361 million for Canadian P&C, $235,855 million for U.S. Banking and $726,856 million for all other operating segments, including Corporate Services (2024 – Total: $1,235,830 million, Canadian P&C: $319,518 million, U.S. Banking: $230,500 million and all other operating segments: $685,812 million).
Summary of Bank's Financial Results by Geographic Region | Our results and average assets, grouped by geographic region, are as follows:
(Canadian $ in millions) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2025 |
|  |  |  |  |  |  |  | Canada |  |  | United States |  |  | Other countries |  |  | Total |
Total Revenue |  |  |  |  |  |  |  |  |  | $ | 18,885 |  |  | $ | 15,194 |  |  | $ | 2,195 |  |  | $ | 36,274 |
Income before taxes |  |  |  |  |  |  |  |  |  |  | 5,741 |  |  |  | 4,339 |  |  |  | 1,470 |  |  |  | 11,550 |
Reported net income |  |  |  |  |  |  |  |  |  |  | 4,191 |  |  |  | 3,408 |  |  |  | 1,126 |  |  |  | 8,725 |
Average Assets |  |  |  |  |  |  |  |  |  |  | 732,391 |  |  |  | 675,161 |  |  |  | 73,009 |  |  |  | 1,480,561 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2024 |
Total Revenue |  |  |  |  |  |  |  |  |  | $ | 16,107 |  |  | $ | 14,465 |  |  | $ | 2,223 |  |  | $ | 32,795 |
Income before taxes |  |  |  |  |  |  |  |  |  |  | 4,434 |  |  |  | 3,547 |  |  |  | 1,554 |  |  |  | 9,535 |
Reported net income |  |  |  |  |  |  |  |  |  |  | 3,199 |  |  |  | 2,865 |  |  |  | 1,263 |  |  |  | 7,327 |
Average Assets |  |  |  |  |  |  |  |  |  |  | 692,750 |  |  |  | 613,098 |  |  |  | 63,567 |  |  |  | 1,369,415 |

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