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Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities (Tables) | 12 Months Ended
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Oct. 31, 2025
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Summary of Maximum Amounts Payable Under Various Commitments | The maximum amounts payable related to our various commitments are as follows:
(Canadian $ in millions) |  | 2025 |  |  | 2024 |
Financial Guarantees |  |  |  |  |  |  |  |
Standby letters of credit |  | $ | 29,409 |  |  | $ | 30,523 |
Credit default swaps (1) |  |  | 23,507 |  |  |  | 16,211 |
Other Credit Instruments |  |  |  |  |  |  |  |
Backstop liquidity facilities |  |  | 18,358 |  |  |  | 18,224 |
Documentary and commercial letters of credit |  |  | 2,504 |  |  |  | 1,893 |
Commitments to extend credit (2) |  |  | 238,884 |  |  |  | 230,689 |
Other commitments (3) |  |  | 9,632 |  |  |  | 10,093 |
Total |  | $ | 322,294 |  |  | $ | 307,633 |
| (1) | The fair value of the related derivatives included in our Consolidated Balance Sheet was $1 million as at October 31, 2025 ($8 million as at October 31, 2024).
| (2) | Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion.
| (3) | Other commitments include $1,664 million as at October 31, 2025 ($4,511 million as at October 31, 2024) of underwriting commitments that are extended but not yet accepted by the borrower.
Summary of Pledged Assets and Collateral | The following tables summarize our pledged assets and collateral, and the activities to which they relate:
(Canadian $ in millions) |  | 2025 |  |  | 2024 |
Bank Assets |  |  |  |  |  |  |  |
Cash and due from banks |  | $ | 108 |  |  | $ | 80 |
Securities (1) |  |  | 174,514 |  |  |  | 139,553 |
Loans |  |  | 59,886 |  |  |  | 71,419 |
Other assets |  |  | 11,149 |  |  |  | 10,314 |
|  |  | 245,657 |  |  |  | 221,366 |
Third-party Assets (2) |  |  |  |  |  |  |  |
Collateral received and available for sale or re-pledging |  |  | 232,840 |  |  |  | 195,071 |
Less: Collateral not sold or re-pledged |  |  | (48,081 | ) |  |  | (45,087 | )
|  |  | 184,759 |  |  |  | 149,984 |
Total pledged assets and collateral |  | $ | 430,416 |  |  | $ | 371,350 |
(Canadian $ in millions) |  | 2025 |  |  | 2024 |
Uses of pledged assets and collateral |  |  |  |  |  |  |  |
Clearing systems, payment systems and depositories |  | $ | 18,136 |  |  | $ | 26,203 |
Foreign governments and central banks |  |  | 38 |  |  |  | 46 |
Obligations related to securities sold short |  |  | 54,876 |  |  |  | 35,030 |
Obligations related to securities sold under repurchase agreements |  |  | 119,956 |  |  |  | 97,878 |
Securities borrowing and lending (3) |  |  | 122,729 |  |  |  | 99,405 |
Derivatives transactions |  |  | 21,870 |  |  |  | 19,224 |
Securitization |  |  | 21,873 |  |  |  | 23,739 |
Covered bonds |  |  | 23,125 |  |  |  | 27,235 |
Other (4) |  |  | 47,813 |  |  |  | 42,590 |
Total pledged assets and collateral |  | $ | 430,416 |  |  | $ | 371,350 |
| (1) | Includes NHA MBS of $6,690 million, which are included in loans in our Consolidated Balance Sheet ($5,492 million as at October 31, 2024).
| (2) | Includes on-balance sheet securities borrowed or purchased under resale agreements and off-balance sheet collateral received.
| (3) | Includes off-balance sheet securities borrowing and lending.
| (4) | Includes $16,734 million of assets that have been pledged to support Federal Home Loan Bank activity ($21,235 million as at October 31, 2024).
Summary of Changes In Provision Balance | Changes in the provision balance during the year were as follows:
(Canadian $ in millions) |  |  |  |  |  |  |  | 2025 |  |  |  |  |  |  |  |  | 2024 |
|  | Restructuring and severance |  |  | Legal |  |  | Total |  |  | Restructuring and severance |  |  | Legal |  |  | Total |
Balance at beginning of year |  | $ | 164 |  |  | $ | 95 |  |  | $ | 259 |  |  | $ | 335 |  |  | $ | 1,243 |  |  | $ | 1,578 |
Additional provisions/increase in provisions |  |  | 125 |  |  |  | 34 |  |  |  | 159 |  |  |  | 101 |  |  |  | 67 |  |  |  | 168 |
Provisions utilized |  |  | (129 | ) |  |  | (79 | ) |  |  | (208 | ) |  |  | (210 | ) |  |  | (19 | ) |  |  | (229 | )
Amounts reversed |  |  | (36 | ) |  |  | (5 | ) |  |  | (41 | ) |  |  | (59 | ) |  |  | (1,196 | ) |  |  | (1,255 | )
Foreign exchange and other |  |  | – |  |  |  | 2 |  |  |  | 2 |  |  |  | (3 | ) |  |  | – |  |  |  | (3 | )
Balance at end of year |  | $ | 124 |  |  | $ | 47 |  |  | $ | 171 |  |  | $ | 164 |  |  | $ | 95 |  |  | $ | 259 |

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