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Deposits (Tables) | 12 Months Ended
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Oct. 31, 2025
Disclosure Of Deposits [Line Items] |
Summary of Deposits |
|  | Payable on demand |  |  |  |  |  |  |  |  |  |  |  |  |
(Canadian $ in millions) |  | Interest bearing |  |  | Non-interest bearing |  |  | Payable after notice (1) |  |  | Payable on a fixed date (2) (3) |  |  | 2025 |  |  | 2024 |
Amortized cost deposits by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Banks (4) |  | $ | 5,058 |  |  | $ | 1,963 |  |  | $ | 1,396 |  |  | $ | 19,204 |  |  | $ | 27,621 |  |  | $ | 32,546 |
Business and government (5) |  |  | 80,445 |  |  |  | 42,847 |  |  |  | 219,450 |  |  |  | 242,755 |  |  |  | 585,497 |  |  |  | 575,019 |
Individuals (5) |  |  | 3,790 |  |  |  | 37,425 |  |  |  | 153,380 |  |  |  | 112,327 |  |  |  | 306,922 |  |  |  | 320,767 |
Total amortized cost deposits |  |  | 89,293 |  |  |  | 82,235 |  |  |  | 374,226 |  |  |  | 374,286 |  |  |  | 920,040 |  |  |  | 928,332 |
Deposits at FVTPL |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 56,162 |  |  |  | 56,162 |  |  |  | 54,108 |
Total (6) |  | $ | 89,293 |  |  | $ | 82,235 |  |  | $ | 374,226 |  |  | $ | 430,448 |  |  | $ | 976,202 |  |  | $ | 982,440 |
Booked in: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Canada |  | $ | 76,415 |  |  | $ | 71,323 |  |  | $ | 167,666 |  |  | $ | 305,454 |  |  | $ | 620,858 |  |  | $ | 618,141 |
United States |  |  | 12,769 |  |  |  | 10,912 |  |  |  | 204,183 |  |  |  | 77,608 |  |  |  | 305,472 |  |  |  | 314,066 |
Other countries |  |  | 109 |  |  |  | – |  |  |  | 2,377 |  |  |  | 47,386 |  |  |  | 49,872 |  |  |  | 50,233 |
Total |  | $ | 89,293 |  |  | $ | 82,235 |  |  | $ | 374,226 |  |  | $ | 430,448 |  |  | $ | 976,202 |  |  | $ | 982,440 |
| (1) | Includes $43,766 million of non-interest bearing deposits as at October 31, 2025 ($44,617 million as at October 31, 2024).
| (2) | Includes $62,843 million of senior unsecured debt as at October 31, 2025 subject to the Bank Recapitalization (Bail-In) regime ($65,986 million as at October 31, 2024). The Bail-In regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares if the bank becomes non-viable.
| (3) | We have unencumbered liquid assets of $393,535 million as at October 31, 2025 to support these and other deposit liabilities ($396,338 million as at October 31, 2024).
| (4) | Includes regulated and central banks.
| (5) | The carrying value of deposits that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts.
| (6) | Included in deposits as at October 31, 2025 and 2024 are $508,058 million and $521,160 million, respectively, of deposits denominated in U.S. dollars, and $59,697 million and $54,397 million, respectively, of deposits denominated in other foreign currencies.
Summary of Deposits Payable On a Fixed Date | The following table presents deposits payable on a fixed date and greater than one hundred thousand dollars:
(Canadian $ in millions) |  | Canada |  |  | United States |  |  | Other |  |  | Total |
As at October 31, 2025 |  | $ | 259,670 |  |  | $ | 69,206 |  |  | $ | 47,386 |  |  | $ | 376,262 |
As at October 31, 2024 |  |  | 285,555 |  |  |  | 77,313 |  |  |  | 48,086 |  |  |  | 410,954 |
Summary of Maturity Schedule for Deposits Greater Than One Hundred Thousand Dollars Booked In Canada | The following table presents the maturity schedule for deposits payable on a fixed date and greater than one hundred thousand dollars that are booked in Canada:
(Canadian $ in millions) |  | Less than 3 months |  |  | 3 to 6 months |  |  | 6 to 12 months |  |  | Over 12 months |  |  | Total |
As at October 31, 2025 |  | $ | 51,591 |  |  | $ | 32,105 |  |  | $ | 56,129 |  |  | $ | 119,845 |  |  | $ | 259,670 |
As at October 31, 2024 |  |  | 63,442 |  |  |  | 33,704 |  |  |  | 62,674 |  |  |  | 125,735 |  |  |  | 285,555 |
Summary of fair value and changes in fair value of structured note liabilities |
(Canadian $ in millions) |  | Fair value |  |  | Notional amount due at contractual maturity |  |  | Difference between fair value and amount due at contractual maturity |  |  | Change in fair value – (losses) recorded in the Consolidated Statement of Income (1) |  |  | Change in fair value – (losses) due to own credit risk recorded in OCI (before tax) |  |  | Cumulative change in fair value – gains (losses) due to own credit risk recognized in AOCI (before tax) |
As at October 31, 2025 |  | $ | 56,162 |  |  | $ | 57,743 |  |  | $ | (1,581 | ) |  | $ | (1,313 | ) |  | $ | (365 | ) |  | $ | (341 | )
As at October 31, 2024 |  |  | 54,108 |  |  |  | 56,300 |  |  |  | (2,192 | ) |  |  | (4,815 | ) |  |  | (841 | ) |  |  | 24 |
| (1) | Change in fair value may be offset by the related change in fair value on hedge contracts.

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