Deposits	6 Months Ended
Apr. 30, 2024
Deposits [Abstract]
Deposits	NOTE 10: DEPOSITS Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which primarily include business and government chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal, which include both savings and chequing accounts. Term deposits are payable on a given date of maturity and are purchased by customers to earn interest over a fixed period, with terms ranging from one day to ten years and generally include fixed term deposits, guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in denominations of $100,000 or more as at April 30, 2024, was $ 518 billion (October 31, 2023 – $ 512 billion). Deposits (millions of Canadian dollars) As at April 30 October 31 By Type By Country 2024 2023 Demand Notice Term 1 Canada United States International Total Total Personal $ 16,583 $ 475,841 $ 136,559 $ 331,478 $ 297,505 $ – $ 628,983 $ 626,596 Banks 11,986 397 20,080 20,385 11,222 856 32,463 31,225 Business and government 2 133,913 188,769 219,643 381,588 157,482 3,255 542,325 540,369 162,482 665,007 376,282 733,451 466,209 4,111 1,203,771 1,198,190 Trading – – 31,221 23,623 2,667 4,931 31,221 30,980 Designated at fair value through profit or loss 3 – – 187,885 49,127 70,510 68,248 187,885 191,988 Total $ 162,482 $ 665,007 $ 595,388 $ 806,201 $ 539,386 $ 77,290 $ 1,422,877 $ 1,421,158 Non-interest-bearing deposits included above 4 Canada $ 55,617 $ 61,581 United States 72,766 76,376 International – 23 Interest-bearing deposits included above 4 Canada 750,584 712,283 United States 5 466,620 482,247 International 77,290 88,648 Total 2,6 $ 1,422,877 $ 1,421,158 1 Includes $ 101.1 billion (October 31, 2023 – $ 103.3 billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares in the event that the Bank becomes non-viable. 2 Includes $ 66.1 billion relating to covered bondholders (October 31, 2023 – $ 57.0 billion). 3 Financial liabilities designated at FVTPL on the Consolidated Balance Sheet also includes $ 219.9 million (October 31, 2023 – $ 142.3 million) of loan commitments and financial guarantees designated at FVTPL. 4 The geographical splits of the deposits are based on the point of origin of the deposits. 5 Includes $ 9.6 billion (October 31, 2023 – $ 13.9 billion) of U.S. federal funds deposited and $ 11.0 billion (October 31, 2023 – $ 9.0 billion) of deposits and advances with the FHLB. 6 Includes deposits of $ 765.0 billion (October 31, 2023 – $ 779.9 billion) denominated in U.S. dollars and $ 119.4 billion (October 31, 2023 – $ 115.0 billion) denominated in other foreign currencies.

Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which primarily include

business and government

chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal,

which include both savings and chequing

accounts. Term

deposits are payable on a given date of maturity and are purchased by customers to earn interest over a fixed period, with terms ranging from

one day to ten years and generally include fixed term deposits, guaranteed investment certificates, senior debt, and similar

instruments. The aggregate amount

of term deposits in denominations of $100,000 or more as at April 30, 2024, was $

518

billion (October 31, 2023 – $

512

billion).

Deposits

(millions of Canadian dollars)

As at

April 30

October 31

By Type

By Country

2024

2023

Demand

Notice

Term

Canada

United States

International

Total

Personal

16,583

475,841

136,559

331,478

297,505

–

628,983

626,596

Banks

11,986

397

20,080

20,385

11,222

856

32,463

31,225

Business and government

133,913

188,769

219,643

381,588

157,482

3,255

542,325

540,369

162,482

665,007

376,282

733,451

466,209

4,111

1,203,771

1,198,190

Trading

–

31,221

23,623

2,667

4,931

31,221

30,980

Designated at fair value through

profit or loss

–

187,885

49,127

70,510

68,248

187,885

191,988

Total

162,482

665,007

595,388

806,201

539,386

77,290

1,422,877

1,421,158

Non-interest-bearing deposits

included above

Canada

55,617

61,581

United States

72,766

76,376

International

–

Interest-bearing deposits

included above

Canada

750,584

712,283

United States

466,620

482,247

International

77,290

88,648

Total

2,6

1,422,877

1,421,158

Includes $

101.1

billion (October 31, 2023 – $

103.3

billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides

certain statutory powers to the

Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into

common shares in the event that the Bank becomes non-viable.

Includes $

66.1

billion relating to covered bondholders (October 31, 2023 – $

57.0

billion).

Financial liabilities designated at FVTPL on the Consolidated Balance Sheet also includes $

219.9

million (October 31, 2023 – $

142.3

million) of loan commitments and financial

guarantees designated at FVTPL.

The geographical splits of the deposits are based on the point of origin of the deposits.

Includes $

9.6

billion (October 31, 2023 – $

13.9

billion) of U.S. federal funds deposited and $

11.0

billion (October 31, 2023 – $

9.0

billion) of deposits and advances with the FHLB.

Includes deposits of $

765.0

billion (October 31, 2023 – $

779.9

billion) denominated in U.S. dollars and $

119.4

billion (October 31, 2023 – $

115.0

billion) denominated in other foreign

currencies.