Loans - Summary of Allowance for Credit Losses (Detail) - CAD ($)
$ in Millions |
3 Months Ended |
Jan. 31, 2023 |
Oct. 31, 2022 |
Jan. 31, 2022 |
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
$ 3,276
|
|
|
| Balance at end of period |
3,371
|
$ 3,276
|
$ 2,958
|
| Loans |
3,159
|
3,073
|
2,838
|
| Undrawn credit facilities and other off-balance sheet exposures |
212
|
203
|
120
|
| Residential mortgages [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
293
|
284
|
280
|
| Originations net of repayments and other derecognitions |
(1)
|
(8)
|
(5)
|
| Net remeasurement |
25
|
19
|
32
|
| Provision for (reversal of) credit losses |
24
|
11
|
27
|
| Write-offs |
(4)
|
(6)
|
(4)
|
| Recoveries |
2
|
1
|
1
|
| Interest income on impaired loans |
(5)
|
(5)
|
(4)
|
| Foreign exchange and other |
(2)
|
8
|
3
|
| Balance at end of period |
308
|
293
|
303
|
| Personal [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
939
|
904
|
803
|
| Originations net of repayments and other derecognitions |
(7)
|
(15)
|
(5)
|
| Net remeasurement |
80
|
97
|
58
|
| Provision for (reversal of) credit losses |
73
|
82
|
53
|
| Write-offs |
(86)
|
(70)
|
(63)
|
| Recoveries |
21
|
15
|
20
|
| Interest income on impaired loans |
(1)
|
(1)
|
(1)
|
| Foreign exchange and other |
(3)
|
9
|
2
|
| Balance at end of period |
943
|
939
|
814
|
| Credit card [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
868
|
765
|
653
|
| Originations net of repayments and other derecognitions |
(26)
|
(6)
|
(10)
|
| Changes in model |
|
|
|
| Net remeasurement |
90
|
196
|
45
|
| Provision for (reversal of) credit losses |
64
|
190
|
35
|
| Write-offs |
(132)
|
(115)
|
(80)
|
| Recoveries |
27
|
28
|
29
|
| Balance at end of period |
827
|
868
|
637
|
| Business and government [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
1,176
|
1,049
|
1,234
|
| Originations net of repayments and other derecognitions |
|
8
|
6
|
| Changes in model |
6
|
37
|
8
|
| Net remeasurement |
128
|
108
|
(54)
|
| Provision for (reversal of) credit losses |
134
|
153
|
(40)
|
| Write-offs |
(11)
|
(75)
|
(10)
|
| Recoveries |
8
|
6
|
5
|
| Interest income on impaired loans |
(4)
|
(4)
|
(3)
|
| Foreign exchange and other |
(10)
|
47
|
18
|
| Balance at end of period |
1,293
|
1,176
|
1,204
|
| Stage 1 [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
688
|
|
|
| Balance at end of period |
650
|
688
|
616
|
| Loans |
563
|
600
|
545
|
| Undrawn credit facilities and other off-balance sheet exposures |
87
|
88
|
71
|
| Stage 1 [member] | Residential mortgages [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
57
|
55
|
59
|
| Originations net of repayments and other derecognitions |
3
|
3
|
4
|
| Net remeasurement |
(16)
|
(16)
|
(19)
|
| Transfers to 12-month ECL |
16
|
17
|
21
|
| Transfers to lifetime ECL performing |
(2)
|
(2)
|
(2)
|
| Transfers to lifetime ECL credit-impaired |
|
(1)
|
|
| Provision for (reversal of) credit losses |
1
|
1
|
4
|
| Foreign exchange and other |
|
1
|
1
|
| Balance at end of period |
58
|
57
|
64
|
| Stage 1 [member] | Personal [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
137
|
137
|
150
|
| Originations net of repayments and other derecognitions |
12
|
10
|
8
|
| Net remeasurement |
(67)
|
(98)
|
(101)
|
| Transfers to 12-month ECL |
74
|
97
|
100
|
| Transfers to lifetime ECL performing |
(9)
|
(11)
|
(10)
|
| Provision for (reversal of) credit losses |
10
|
(2)
|
(3)
|
| Foreign exchange and other |
|
2
|
|
| Balance at end of period |
147
|
137
|
147
|
| Stage 1 [member] | Credit card [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
159
|
146
|
136
|
| Originations net of repayments and other derecognitions |
1
|
5
|
|
| Net remeasurement |
(175)
|
(96)
|
(106)
|
| Transfers to 12-month ECL |
173
|
115
|
104
|
| Transfers to lifetime ECL performing |
(16)
|
(11)
|
(7)
|
| Transfers to lifetime ECL credit-impaired |
|
|
|
| Provision for (reversal of) credit losses |
(17)
|
13
|
(9)
|
| Balance at end of period |
142
|
159
|
127
|
| Stage 1 [member] | Business and government [member] | 12-month expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
335
|
239
|
277
|
| Originations net of repayments and other derecognitions |
7
|
11
|
20
|
| Changes in model |
|
43
|
|
| Net remeasurement |
(54)
|
35
|
(66)
|
| Transfers to 12-month ECL |
35
|
9
|
46
|
| Transfers to lifetime ECL performing |
(13)
|
(14)
|
(4)
|
| Transfers to lifetime ECL credit-impaired |
|
(1)
|
|
| Provision for (reversal of) credit losses |
(25)
|
83
|
(4)
|
| Foreign exchange and other |
(7)
|
13
|
5
|
| Balance at end of period |
303
|
335
|
278
|
| Stage 2 [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
1,924
|
|
|
| Balance at end of period |
1,983
|
1,924
|
1,545
|
| Loans |
1,859
|
1,809
|
1,497
|
| Undrawn credit facilities and other off-balance sheet exposures |
124
|
115
|
48
|
| Stage 2 [member] | Residential mortgages [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
69
|
70
|
63
|
| Originations net of repayments and other derecognitions |
|
(3)
|
(4)
|
| Net remeasurement |
29
|
18
|
36
|
| Transfers to 12-month ECL |
(16)
|
(17)
|
(20)
|
| Transfers to lifetime ECL performing |
2
|
3
|
3
|
| Transfers to lifetime ECL credit-impaired |
(3)
|
(3)
|
(2)
|
| Provision for (reversal of) credit losses |
12
|
(2)
|
13
|
| Foreign exchange and other |
(1)
|
1
|
|
| Balance at end of period |
80
|
69
|
76
|
| Stage 2 [member] | Personal [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
656
|
639
|
547
|
| Originations net of repayments and other derecognitions |
(15)
|
(18)
|
(12)
|
| Net remeasurement |
81
|
138
|
116
|
| Transfers to 12-month ECL |
(74)
|
(97)
|
(100)
|
| Transfers to lifetime ECL performing |
9
|
11
|
13
|
| Transfers to lifetime ECL credit-impaired |
(17)
|
(18)
|
(10)
|
| Provision for (reversal of) credit losses |
(16)
|
16
|
7
|
| Foreign exchange and other |
(1)
|
1
|
|
| Balance at end of period |
639
|
656
|
554
|
| Stage 2 [member] | Credit card [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
709
|
619
|
517
|
| Originations net of repayments and other derecognitions |
(27)
|
(11)
|
(10)
|
| Net remeasurement |
224
|
251
|
125
|
| Transfers to 12-month ECL |
(173)
|
(115)
|
(104)
|
| Transfers to lifetime ECL performing |
16
|
11
|
7
|
| Transfers to lifetime ECL credit-impaired |
(64)
|
(46)
|
(25)
|
| Provision for (reversal of) credit losses |
(24)
|
90
|
(7)
|
| Balance at end of period |
685
|
709
|
510
|
| Stage 2 [member] | Business and government [member] | Lifetime expected credit losses [member] | Financial instruments not credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
490
|
454
|
449
|
| Originations net of repayments and other derecognitions |
(3)
|
|
(6)
|
| Changes in model |
6
|
(6)
|
8
|
| Net remeasurement |
110
|
18
|
(13)
|
| Transfers to 12-month ECL |
(35)
|
(9)
|
(44)
|
| Transfers to lifetime ECL performing |
26
|
16
|
5
|
| Transfers to lifetime ECL credit-impaired |
(9)
|
(1)
|
(2)
|
| Provision for (reversal of) credit losses |
95
|
18
|
(52)
|
| Foreign exchange and other |
(6)
|
18
|
8
|
| Balance at end of period |
579
|
490
|
405
|
| Stage 3 [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
664
|
|
|
| Balance at end of period |
738
|
664
|
797
|
| Loans |
737
|
664
|
796
|
| Undrawn credit facilities and other off-balance sheet exposures |
1
|
|
1
|
| Stage 3 [member] | Residential mortgages [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
167
|
159
|
158
|
| Originations net of repayments and other derecognitions |
(4)
|
(8)
|
(5)
|
| Net remeasurement |
12
|
17
|
15
|
| Transfers to 12-month ECL |
|
|
(1)
|
| Transfers to lifetime ECL performing |
|
(1)
|
(1)
|
| Transfers to lifetime ECL credit-impaired |
3
|
4
|
2
|
| Provision for (reversal of) credit losses |
11
|
12
|
10
|
| Write-offs |
(4)
|
(6)
|
(4)
|
| Recoveries |
2
|
1
|
1
|
| Interest income on impaired loans |
(5)
|
(5)
|
(4)
|
| Foreign exchange and other |
(1)
|
6
|
2
|
| Balance at end of period |
170
|
167
|
163
|
| Stage 3 [member] | Personal [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
146
|
128
|
106
|
| Originations net of repayments and other derecognitions |
(4)
|
(7)
|
(1)
|
| Net remeasurement |
66
|
57
|
43
|
| Transfers to lifetime ECL performing |
|
|
(3)
|
| Transfers to lifetime ECL credit-impaired |
17
|
18
|
10
|
| Provision for (reversal of) credit losses |
79
|
68
|
49
|
| Write-offs |
(86)
|
(70)
|
(63)
|
| Recoveries |
21
|
15
|
20
|
| Interest income on impaired loans |
(1)
|
(1)
|
(1)
|
| Foreign exchange and other |
(2)
|
6
|
2
|
| Balance at end of period |
157
|
146
|
113
|
| Stage 3 [member] | Credit card [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Net remeasurement |
41
|
41
|
26
|
| Transfers to lifetime ECL credit-impaired |
64
|
46
|
25
|
| Provision for (reversal of) credit losses |
105
|
87
|
51
|
| Write-offs |
(132)
|
(115)
|
(80)
|
| Recoveries |
27
|
28
|
29
|
| Balance at end of period |
|
|
|
| Stage 3 [member] | Business and government [member] | Lifetime expected credit losses [member] | Financial instruments credit-impaired [member] |
|
|
|
| Disclosure of detailed information about borrowings [line items] |
|
|
|
| Balance at beginning of period |
351
|
356
|
508
|
| Originations net of repayments and other derecognitions |
(4)
|
(3)
|
(8)
|
| Net remeasurement |
72
|
55
|
25
|
| Transfers to 12-month ECL |
|
|
(2)
|
| Transfers to lifetime ECL performing |
(13)
|
(2)
|
(1)
|
| Transfers to lifetime ECL credit-impaired |
9
|
2
|
2
|
| Provision for (reversal of) credit losses |
64
|
52
|
16
|
| Write-offs |
(11)
|
(75)
|
(10)
|
| Recoveries |
8
|
6
|
5
|
| Interest income on impaired loans |
(4)
|
(4)
|
(3)
|
| Foreign exchange and other |
3
|
16
|
5
|
| Balance at end of period |
$ 411
|
$ 351
|
$ 521
|