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Deposits
 12 Months Ended
Oct. 31, 2025
Text Block [Abstract]  
Deposits
19
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).
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.