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Deposits (Tables)

12 Months Ended

Oct. 31, 2025


	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.