Disclosure of operating segments |
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For the year ended October 31, 2022 |
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(Millions of Canadian dollars) |
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Personal & Commercial Banking |
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Investor & Treasury Services |
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(1) |
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(1) |
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Provision for credit losses |
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Insurance policyholder benefits, claims and acquisition expense |
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Net income (loss) before income taxes |
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Income taxes (recoveries) |
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Non-interest expense includes: |
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Depreciation and amortization |
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Impairment of other intangibles |
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Additions to premises and equipment and intangibles |
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For the year ended October 31, 2021 |
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(Millions of Canadian dollars) |
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Personal & Commercial Banking |
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Wealth Management |
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Insurance |
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Investor & Treasury Services |
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Capital Markets (1) |
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Corporate Support (1) |
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Total |
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Canada |
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United States |
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Other International |
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$ |
12,621 |
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$ |
2,689 |
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$ |
– |
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$ |
460 |
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$ |
4,553 |
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$ |
(321 |
) |
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$ |
20,002 |
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$ |
13,947 |
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$ |
4,447 |
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$ |
1,608 |
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5,725 |
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10,607 |
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5,600 |
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1,704 |
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5,634 |
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421 |
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29,691 |
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15,454 |
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8,083 |
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6,154 |
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18,346 |
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13,296 |
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5,600 |
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2,164 |
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10,187 |
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100 |
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49,693 |
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29,401 |
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12,530 |
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7,762 |
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Provision for credit losses |
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(187 |
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(47 |
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(1 |
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(8 |
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(509 |
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(1 |
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(753 |
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(203 |
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(277 |
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(273 |
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Insurance policyholder benefits, claims and acquisition expense |
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– |
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– |
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3,891 |
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– |
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– |
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– |
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3,891 |
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2,036 |
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– |
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1,855 |
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7,978 |
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9,929 |
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596 |
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1,589 |
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5,427 |
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405 |
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25,924 |
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12,897 |
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9,107 |
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3,920 |
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Net income (loss) before income taxes |
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10,555 |
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3,414 |
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1,114 |
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583 |
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5,269 |
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(304 |
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20,631 |
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14,671 |
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3,700 |
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2,260 |
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Income taxes (recoveries) |
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2,708 |
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788 |
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225 |
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143 |
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1,082 |
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(365 |
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4,581 |
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3,599 |
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649 |
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333 |
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$ |
7,847 |
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$ |
2,626 |
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$ |
889 |
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$ |
440 |
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$ |
4,187 |
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$ |
61 |
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$ |
16,050 |
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$ |
11,072 |
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$ |
3,051 |
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$ |
1,927 |
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Non-interest expense includes: |
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Depreciation and amortization |
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$ |
923 |
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$ |
883 |
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$ |
59 |
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$ |
197 |
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$ |
497 |
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$ |
4 |
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$ |
2,563 |
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$ |
1,594 |
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$ |
728 |
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$ |
241 |
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Impairment of other intangibles |
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5 |
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3 |
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1 |
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2 |
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18 |
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– |
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29 |
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16 |
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11 |
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2 |
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$ |
549,702 |
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$ |
148,990 |
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$ |
22,724 |
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$ |
240,055 |
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$ |
692,278 |
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$ |
52,574 |
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$ |
1,706,323 |
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$ |
964,747 |
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$ |
454,949 |
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$ |
286,627 |
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Additions to premises and equipment and intangibles |
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$ |
503 |
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$ |
752 |
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$ |
48 |
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$ |
80 |
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$ |
355 |
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$ |
459 |
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$ |
2,197 |
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$ |
1,238 |
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$ |
739 |
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$ |
220 |
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$ |
549,619 |
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$ |
149,096 |
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$ |
22,966 |
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$ |
239,960 |
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$ |
691,767 |
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$ |
(45,847 |
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$ |
1,607,561 |
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$ |
866,287 |
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$ |
454,903 |
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$ |
286,371 |
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(1) |
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Taxable equivalent basis. |
(2) |
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Interest revenue is reported net of interest expense as we rely primarily on net interest income as a performance measure. |
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