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Goodwill and Intangible Assets (Tables) | 12 Months Ended
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Oct. 31, 2025
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Summary of Continuity of Goodwill By Group of CGUs | A continuity of our goodwill by group of CGUs for the years ended October 31, 2025 and 2024 is as follows:
(Canadian $ in millions) |  |  |  |  |  |  |  |  |
|  | Canadian P&C |  |  | U.S. Banking |  |  | Wealth and Asset Management |  |  | Insurance |  |  | Total Wealth Management |  |  | Capital Markets |  |  | Total |
Balance at October 31, 2023 |  | $ | 330 |  |  | $ | 15,610 |  |  | $ | 258 |  |  | $ | 2 |  |  | $ | 260 |  |  | $ | 528 |  |  | $ | 16,728 |
Foreign exchange and other |  |  | – |  |  |  | 45 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 1 |  |  |  | 46 |
Balance at October 31, 2024 |  |  | 330 |  |  |  | 15,655 |  |  |  | 258 |  |  |  | 2 |  |  |  | 260 |  |  |  | 529 |  |  |  | 16,774 |
Write-downs |  |  | – |  |  |  | (102 | ) (1) |  |  | – |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | (102 | )
Foreign exchange and other |  |  | – |  |  |  | 122 |  |  |  | – |  |  |  | – |  |  |  | – |  |  |  | 3 |  |  |  | 125 |
Balance at October 31, 2025 |  | $ | 330 |  |  | $ | 15,675 |  |  | $ | 258 |  |  | $ | 2 |  |  | $ | 260 |  |  | $ | 532 |  |  | $ | 16,797 |
| (1) | Relates to the sale of certain U.S. branches. Refer to Note 9.
Certain comparative figures have been reclassified to conform with the current year’s presentation.
Summary of Intangible Assets | The total cost and associated accumulated amortization of our intangible assets are set out below:
(Canadian $ in millions) |  | Customer relationships |  |  | Core deposits |  |  | Software – amortizing |  |  | Software under development |  |  | Other |  |  | Total |
Cost |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2023 |  | $ | 850 |  |  | $ | 3,553 |  |  | $ | 7,071 |  |  | $ | 324 |  |  | $ | 572 |  |  | $ | 12,370 |
Additions |  |  | – |  |  |  | – |  |  |  | 22 |  |  |  | 782 |  |  |  | 48 |  |  |  | 852 |
Transfers |  |  | – |  |  |  | – |  |  |  | 688 |  |  |  | (688 | ) |  |  | – |  |  |  | – |
Fully amortized intangibles |  |  | – |  |  |  | – |  |  |  | (1,696 | ) |  |  | – |  |  |  | (33 | ) |  |  | (1,729 | )
Foreign exchange and other |  |  | 2 |  |  |  | 10 |  |  |  | 11 |  |  |  | (1 | ) |  |  | 1 |  |  |  | 23 |
Balance at October 31, 2024 |  |  | 852 |  |  |  | 3,563 |  |  |  | 6,096 | (1) |  |  | 417 |  |  |  | 588 |  |  |  | 11,516 |
Additions |  |  | – |  |  |  | – |  |  |  | 71 |  |  |  | 938 |  |  |  | 39 |  |  |  | 1,048 |
Transfers |  |  | – |  |  |  | – |  |  |  | 821 |  |  |  | (821 | ) |  |  | – |  |  |  | – |
Fully amortized intangibles |  |  | (16 | ) |  |  | – |  |  |  | (673 | ) |  |  | – |  |  |  | (91 | ) |  |  | (780 | )
Foreign exchange and other |  |  | – |  |  |  | 28 |  |  |  | 12 |  |  |  | (2 | ) |  |  | 3 |  |  |  | 41 |
Balance at October 31, 2025 |  | $ | 836 |  |  | $ | 3,591 |  |  | $ | 6,327 | (1) |  | $ | 532 |  |  | $ | 539 |  |  | $ | 11,825 |
Accumulated Amortization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2023 |  | $ | 487 |  |  | $ | 1,295 |  |  | $ | 5,073 |  |  | $ | – |  |  | $ | 299 |  |  | $ | 7,154 |
Amortization |  |  | 62 |  |  |  | 342 |  |  |  | 676 |  |  |  | – |  |  |  | 32 |  |  |  | 1,112 |
Write-downs |  |  | 4 |  |  |  | – |  |  |  | 22 |  |  |  | – |  |  |  | – |  |  |  | 26 |
Fully amortized intangibles |  |  | – |  |  |  | – |  |  |  | (1,696 | ) |  |  | – |  |  |  | (33 | ) |  |  | (1,729 | )
Foreign exchange and other |  |  | 3 |  |  |  | 10 |  |  |  | 15 |  |  |  | – |  |  |  | – |  |  |  | 28 |
Balance at October 31, 2024 |  |  | 556 |  |  |  | 1,647 |  |  |  | 4,090 | (1) |  |  | – |  |  |  | 298 |  |  |  | 6,591 |
Amortization |  |  | 70 |  |  |  | 305 |  |  |  | 739 |  |  |  | – |  |  |  | 38 |  |  |  | 1,152 |
Write-downs |  |  | 14 |  |  |  | – |  |  |  | 13 |  |  |  | – |  |  |  | 49 |  |  |  | 76 |
Fully amortized intangibles |  |  | (16 | ) |  |  | – |  |  |  | (673 | ) |  |  | – |  |  |  | (91 | ) |  |  | (780 | )
Foreign exchange and other |  |  | (1 | ) |  |  | 13 |  |  |  | 15 |  |  |  | – |  |  |  | 1 |  |  |  | 28 |
Balance at October 31, 2025 |  | $ | 623 |  |  | $ | 1,965 |  |  | $ | 4,184 | (1) |  | $ | – |  |  | $ | 295 |  |  | $ | 7,067 |
Net Carrying Value |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at October 31, 2025 |  | $ | 213 |  |  | $ | 1,626 |  |  | $ | 2,143 |  |  | $ | 532 |  |  | $ | 244 |  |  | $ | 4,758 |
Balance at October 31, 2024 |  |  | 296 |  |  |  | 1,916 |  |  |  | 2,006 |  |  |  | 417 |  |  |  | 290 |  |  |  | 4,925 |
| (1) | Includes internally generated software of $5,752 million in cost and $3,760 million in accumulated amortization as at October 31, 2025 ($5,466 million in cost and $3,653 million in accumulated amortization as at October 31, 2024).

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