XML 87 R44.htm IDEA: XBRL DOCUMENT v3.25.3
Premises and Equipment (Tables)
 12 Months Ended
Oct. 31, 2025
Text Block [Abstract]  
Summary of Maximum Estimated Useful Lives to Amortize Assets
The maximum estimated useful lives we use to depreciate our assets are as follows:

 
Buildings
     
10 to 40 years
  
  
Computer equipment and operating system software
      5 to 7 years
  
  
Other equipment
      10 years
  
  
Leasehold improvements
                            Lease term to a maximum of 10 years  
Summary of Net Rent Expense for Premises and Equipment
The total cost and associated accumulated depreciation for premises and equipment that we own or lease are set out below:
 
(Canadian $ in millions)
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
 
  
 
  
 
Land and
buildings
 
 
Computer
equipment
 
 
Other
equipment
 
 
Leasehold
improvements
 
 
Right-of-use

assets
 
 
Total
 
Cost
 
 
 
 
 
 
Balance at October 31, 2023
 
$
       2,370
 
 
$
       2,923
 
 
$
       1,060
 
 
$
       2,413
 
 
$
       4,357
 
 
$
       13,123
 
Additions/lease modifications
 
 
81
 
 
 
270
 
 
 
117
 
 
 
352
 
 
 
171
 
 
 
991
 
Disposals
 
 
(48
) 
 
 
(22
) 
 
 
(11
) 
 
 
(26
) 
 
 
–
 
 
 
(107
) 
Fully depreciated assets
 
 
(32
) 
 
 
(694
) 
 
 
(257
) 
 
 
(71
) 
 
 
(96
) 
 
 
(1,150
) 
Foreign exchange and other
 
 
5
 
 
 
3
 
 
 
2
 
 
 
7
 
 
 
12
 
 
 
29
 
Balance at October 31, 2024
 
 
2,376
 
 
 
2,480
 
 
 
911
 
 
 
2,675
 
 
 
4,444
 
 
 
12,886
 
Additions/lease modifications
 
 
86
 
 
 
358
 
 
 
67
 
 
 
209
 
 
 
287
 
 
 
1,007
 
Disposals
 
 
(18
) 
 
 
(17
) 
 
 
(3
) 
 
 
(11
) 
 
 
(2
) 
 
 
(51
) 
Fully depreciated assets
 
 
(7
) 
 
 
(534
) 
 
 
(61
) 
 
 
(10
) 
 
 
(97
) 
 
 
(709
) 
Foreign exchange and other
 
 
8
 
 
 
5
 
 
 
3
 
 
 
8
 
 
 
24
 
 
 
48
 
Balance at October 31, 2025
 
$
2,445
 
 
$
2,292
 
 
$
917
 
 
$
2,871
 
 
$
4,656
 
 
$
13,181
 
Accumulated Depreciation and Impairment
 
 
 
 
 
 
Balance at October 31, 2023
 
$
1,238
 
 
$
2,228
 
 
$
704
 
 
$
1,356
 
 
$
1,356
 
 
$
6,882
 
Disposals
 
 
(29
) 
 
 
(12
) 
 
 
(8
) 
 
 
(21
) 
 
 
–
 
 
 
(70
) 
Depreciation
 
 
64
 
 
 
261
 
 
 
76
 
 
 
167
 
 
 
402
 
 
 
970
 
Fully depreciated assets
 
 
(32
) 
 
 
(694
) 
 
 
(257
) 
 
 
(71
) 
 
 
(96
) 
 
 
(1,150
) 
Foreign exchange and other (1)
 
 
1
 
 
 
(4
) 
 
 
(6
) 
 
 
5
 
 
 
9
 
 
 
5
 
Balance at October 31, 2024
 
 
1,242
 
 
 
1,779
 
 
 
509
 
 
 
1,436
 
 
 
1,671
 
 
 
6,637
 
Disposals
 
 
(16
) 
 
 
(15
) 
 
 
(1
) 
 
 
(7
) 
 
 
–
 
 
 
(39
) 
Depreciation
 
 
74
 
 
 
270
 
 
 
82
 
 
 
190
 
 
 
399
 
 
 
1,015
 
Fully depreciated assets
 
 
(7
) 
 
 
(534
) 
 
 
(61
) 
 
 
(10
) 
 
 
(97
) 
 
 
(709
) 
Foreign exchange and other (1)
 
 
20
 
 
 
–
 
 
 
(5
) 
 
 
2
 
 
 
8
 
 
 
25
 
Balance at October 31, 2025
 
$
1,313
 
 
$
1,500
 
 
$
524
 
 
$
1,611
 
 
$
1,981
 
 
$
6,929
 
Net Carrying Value
 
 
 
 
 
 
Balance at October 31, 2025
 
$
1,132
 
 
$
792
 
 
$
393
 
 
$
1,260
 
 
$
2,675
 
 
$
6,252
 
Balance at October 31, 2024
 
 
1,134
 
 
 
701
 
 
 
402
 
 
 
1,239
 
 
 
2,773
 
 
 
6,249
 
 
 
(1)
Includes impairment charges.