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Structured Entities (Tables)
 12 Months Ended
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.