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Deposits (Tables) | 12 Months Ended
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Oct. 31, 2025
Text Block [Abstract] |
Summary of Deposits |
|  | 2025 |  |  | 2024 |
|  | Payable on demand (1) |  |  |  |  |  |  |  |  |  |  |  |  |
As at October 31 ($ millions) |  | Interest- bearing |  |  | Non-interest- bearing |  |  | Payable after notice (2) |  |  | Payable on a fixed date (3) |  |  | Total |  |  |  |
Personal |  | $ | 38,089 |  |  | $ | 10,892 |  |  | $ | 124,057 |  |  | $ | 128,680 |  |  | $ | 301,718 |  |  | $ | 298,821 |
Business and government |  |  | 197,177 |  |  |  | 33,094 |  |  |  | 68,673 |  |  |  | 328,723 |  |  |  | 627,667 |  |  |  | 600,114 |
Financial institutions |  |  | 10,754 |  |  |  | 967 |  |  |  | 4,068 |  |  |  | 21,105 |  |  |  | 36,894 |  |  |  | 44,914 |
Total |  | $ | 246,020 |  |  | $ | 44,953 |  |  | $ | 196,798 |  |  | $ | 478,508 |  |  | $ | 966,279 |  |  | $ | 943,849 |
Recorded in: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Canada |  | $ | 160,504 |  |  | $ | 23,892 |  |  | $ | 180,349 |  |  | $ | 327,855 |  |  | $ | 692,600 |  |  | $ | 686,817 |
United States |  |  | 47,431 |  |  |  | 101 |  |  |  | 4,563 |  |  |  | 49,400 |  |  |  | 101,495 |  |  |  | 90,442 |
United Kingdom |  |  | – |  |  |  | – |  |  |  | 367 |  |  |  | 33,679 |  |  |  | 34,046 |  |  |  | 27,091 |
Mexico |  |  | 13,893 |  |  |  | 7,339 |  |  |  | – |  |  |  | 17,859 |  |  |  | 39,091 |  |  |  | 36,751 |
Peru |  |  | 11,159 |  |  |  | 7 |  |  |  | 1,908 |  |  |  | 6,843 |  |  |  | 19,917 |  |  |  | 17,710 |
Chile |  |  | 1,310 |  |  |  | 5,347 |  |  |  | 142 |  |  |  | 16,336 |  |  |  | 23,135 |  |  |  | 23,232 |
Colombia |  |  | 3,140 |  |  |  | 552 |  |  |  | 548 |  |  |  | 6,168 |  |  |  | 10,408 |  |  |  | 8,102 |
Other International |  |  | 8,583 |  |  |  | 7,715 |  |  |  | 8,921 |  |  |  | 20,368 |  |  |  | 45,587 |  |  |  | 53,704 |
Total (4) |  | $ | 246,020 |  |  | $ | 44,953 |  |  | $ | 196,798 |  |  | $ | 478,508 |  |  | $ | 966,279 |  |  | $ | 943,849 |
(1) | Deposits payable on demand include deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.
(2) | Deposits payable after notice include deposits for which the Bank may require notice of withdrawal, generally savings accounts.
(3) | All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.
(4) | Deposits denominated in U.S. dollars amount to $297,065 (2024 – $295,316), deposits denominated in Chilean pesos amount to $20,053 (2024 – $19,271), deposits denominated in Mexican pesos amount to $35,941 (2024 – $34,416) and deposits denominated in other foreign currencies amount to $117,530 (2024 – $109,683).
Summary of Maturity Schedule for Term Deposits | The following table presents the maturity schedule for term deposits in Canada greater than $100,000 (1) .
($ millions) |  | Within three months |  |  | Three to six months |  |  | Six to twelve months |  |  | One to five years |  |  | Over five years |  |  | Total |
As at October 31, 2025 |  | $ | 54,287 |  |  | $ | 37,607 |  |  | $ | 57,519 |  |  | $ | 109,573 |  |  | $ | 15,165 |  |  | $ | 274,151 |
As at October 31, 2024 |  | $ | 64,521 |  |  | $ | 37,062 |  |  | $ | 59,273 |  |  | $ | 115,757 |  |  | $ | 18,820 |  |  | $ | 295,433 |
(1) | The majority of foreign term deposits are in excess of $100,000.

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