Loans, Impaired Loans, and Allowance for Credit Losses (Summary of Allowance for Loan Losses) (Details) - CAD ($)
$ in Millions |
3 Months Ended |
6 Months Ended |
Apr. 30, 2024 |
Apr. 30, 2023 |
Apr. 30, 2024 |
Apr. 30, 2023 |
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
$ 7,136
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
$ 8,547
|
$ 7,644
|
8,547
|
$ 7,644
|
| Total Allowance for Loan Losses at end of period |
7,545
|
6,644
|
7,545
|
6,644
|
| Less: Total Allowance for off-balance sheet instruments |
1,002
|
1,000
|
1,002
|
1,000
|
| Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
410
|
330
|
403
|
323
|
| Net remeasurement due to transfers into stage |
(2)
|
1
|
(1)
|
0
|
| New originations or purchases |
7
|
8
|
15
|
16
|
| Net repayments |
(1)
|
(2)
|
(2)
|
(4)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(27)
|
(8)
|
(38)
|
(16)
|
| Changes to risk, parameters, and models |
15
|
5
|
26
|
20
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(2)
|
(3)
|
(4)
|
(5)
|
| Recoveries |
1
|
0
|
1
|
1
|
| Foreign exchange and other adjustments |
2
|
3
|
3
|
(1)
|
| Total Allowance for Loan Losses at end of period |
403
|
334
|
403
|
334
|
| Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,979
|
1,753
|
1,895
|
1,704
|
| Balance at beginning of period |
|
|
1,809
|
|
| Net remeasurement due to transfers into stage |
10
|
4
|
44
|
7
|
| New originations or purchases |
87
|
99
|
176
|
198
|
| Net repayments |
(46)
|
(30)
|
(88)
|
(73)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(58)
|
(48)
|
(105)
|
(99)
|
| Changes to risk, parameters, and models |
368
|
158
|
716
|
412
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(370)
|
(254)
|
(717)
|
(520)
|
| Recoveries |
82
|
73
|
154
|
143
|
| Foreign exchange and other adjustments |
20
|
11
|
(3)
|
(6)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,072
|
1,766
|
2,072
|
1,766
|
| Total Allowance for Loan Losses at end of period |
1,987
|
1,678
|
1,987
|
1,678
|
| Less: Total Allowance for off-balance sheet instruments |
85
|
88
|
85
|
88
|
| Consumer instalment and other personal [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit Card 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
2,577
|
2,407
|
2,577
|
2,352
|
| Balance at beginning of period |
|
|
1,934
|
|
| Net remeasurement due to transfers into stage |
9
|
(1)
|
47
|
(8)
|
| New originations or purchases |
40
|
46
|
79
|
97
|
| Net repayments |
11
|
43
|
55
|
91
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(116)
|
(98)
|
(226)
|
(174)
|
| Changes to risk, parameters, and models |
479
|
337
|
898
|
658
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(486)
|
(357)
|
(930)
|
(671)
|
| Recoveries |
83
|
74
|
158
|
143
|
| Foreign exchange and other adjustments |
47
|
29
|
(14)
|
(8)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,644
|
2,480
|
2,644
|
2,480
|
| Total Allowance for Loan Losses at end of period |
2,030
|
1,841
|
2,030
|
1,841
|
| Less: Total Allowance for off-balance sheet instruments |
614
|
639
|
614
|
639
|
| Credit Card 1 [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit Card 1 [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit Card 1 [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
3,299
|
2,987
|
3,310
|
2,984
|
| Net remeasurement due to transfers into stage |
34
|
(9)
|
59
|
(13)
|
| New originations or purchases |
297
|
265
|
568
|
597
|
| Net repayments |
(5)
|
(9)
|
(31)
|
(50)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(416)
|
(390)
|
(732)
|
(862)
|
| Changes to risk, parameters, and models |
386
|
229
|
613
|
493
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(222)
|
(65)
|
(346)
|
(108)
|
| Recoveries |
15
|
8
|
26
|
20
|
| Foreign exchange and other adjustments |
40
|
48
|
(39)
|
3
|
| Total Allowance, including off-balance sheet instruments, at end of period |
3,428
|
3,064
|
3,428
|
3,064
|
| Total Allowance for Loan Losses at end of period |
3,125
|
2,791
|
3,125
|
2,791
|
| Less: Total Allowance for off-balance sheet instruments |
303
|
273
|
303
|
273
|
| Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Stage 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
2,673
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,902
|
3,016
|
2,902
|
3,016
|
| Total Allowance for Loan Losses at end of period |
2,479
|
2,551
|
2,479
|
2,551
|
| Less: Total Allowance for off-balance sheet instruments |
423
|
465
|
423
|
465
|
| Stage 1 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
137
|
129
|
154
|
127
|
| Net remeasurement due to transfers into stage |
(8)
|
(4)
|
(14)
|
(11)
|
| New originations or purchases |
7
|
8
|
15
|
16
|
| Net repayments |
(1)
|
(1)
|
(2)
|
(2)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(1)
|
(1)
|
(3)
|
(2)
|
| Changes to risk, parameters, and models |
(31)
|
(28)
|
(71)
|
(52)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
1
|
1
|
(1)
|
(1)
|
| Total Allowance for Loan Losses at end of period |
129
|
116
|
129
|
116
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
32
|
21
|
68
|
56
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(7)
|
(8)
|
(17)
|
(14)
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
(1)
|
0
|
(1)
|
| Stage 1 [member] | Consumer instalment and other personal [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
664
|
675
|
688
|
654
|
| Balance at beginning of period |
|
|
653
|
|
| Net remeasurement due to transfers into stage |
(63)
|
(48)
|
(117)
|
(101)
|
| New originations or purchases |
87
|
99
|
176
|
198
|
| Net repayments |
(18)
|
(1)
|
(36)
|
(23)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(16)
|
(17)
|
(33)
|
(35)
|
| Changes to risk, parameters, and models |
(55)
|
(124)
|
(126)
|
(218)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
8
|
5
|
(1)
|
(2)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
688
|
675
|
688
|
675
|
| Total Allowance for Loan Losses at end of period |
658
|
638
|
658
|
638
|
| Less: Total Allowance for off-balance sheet instruments |
30
|
37
|
30
|
37
|
| Stage 1 [member] | Consumer instalment and other personal [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
142
|
136
|
273
|
306
|
| Stage 1 [member] | Consumer instalment and other personal [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(58)
|
(48)
|
(130)
|
(100)
|
| Stage 1 [member] | Consumer instalment and other personal [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(3)
|
(2)
|
(6)
|
(4)
|
| Stage 1 [member] | Credit Card 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
880
|
956
|
988
|
954
|
| Balance at beginning of period |
|
|
709
|
|
| Net remeasurement due to transfers into stage |
(118)
|
(127)
|
(226)
|
(266)
|
| New originations or purchases |
40
|
46
|
79
|
97
|
| Net repayments |
(8)
|
34
|
14
|
62
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(10)
|
(10)
|
(20)
|
(22)
|
| Changes to risk, parameters, and models |
(61)
|
(135)
|
(236)
|
(255)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
15
|
11
|
(6)
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
915
|
964
|
915
|
964
|
| Total Allowance for Loan Losses at end of period |
667
|
686
|
667
|
686
|
| Less: Total Allowance for off-balance sheet instruments |
248
|
278
|
248
|
278
|
| Stage 1 [member] | Credit Card 1 [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
263
|
270
|
509
|
569
|
| Stage 1 [member] | Credit Card 1 [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(81)
|
(76)
|
(176)
|
(162)
|
| Stage 1 [member] | Credit Card 1 [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(5)
|
(5)
|
(11)
|
(10)
|
| Stage 1 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,139
|
1,265
|
1,319
|
1,220
|
| Net remeasurement due to transfers into stage |
(18)
|
(36)
|
(39)
|
(64)
|
| New originations or purchases |
297
|
265
|
568
|
597
|
| Net repayments |
9
|
28
|
17
|
32
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(161)
|
(163)
|
(333)
|
(351)
|
| Changes to risk, parameters, and models |
2
|
(125)
|
(160)
|
(116)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
18
|
33
|
(17)
|
13
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,170
|
1,261
|
1,170
|
1,261
|
| Total Allowance for Loan Losses at end of period |
1,025
|
1,111
|
1,025
|
1,111
|
| Less: Total Allowance for off-balance sheet instruments |
145
|
150
|
145
|
150
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
52
|
122
|
114
|
222
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(166)
|
(124)
|
(283)
|
(283)
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(4)
|
(16)
|
(9)
|
| Stage 2 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
3,435
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
4,483
|
3,766
|
4,483
|
3,766
|
| Total Allowance for Loan Losses at end of period |
3,915
|
3,234
|
3,915
|
3,234
|
| Less: Total Allowance for off-balance sheet instruments |
568
|
532
|
568
|
532
|
| Stage 2 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
212
|
150
|
192
|
140
|
| Net remeasurement due to transfers into stage |
6
|
5
|
13
|
11
|
| Net repayments |
0
|
(1)
|
0
|
(2)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(7)
|
(4)
|
(12)
|
(8)
|
| Changes to risk, parameters, and models |
29
|
30
|
74
|
68
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
1
|
1
|
1
|
0
|
| Total Allowance for Loan Losses at end of period |
214
|
169
|
214
|
169
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(32)
|
(21)
|
(65)
|
(55)
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
13
|
12
|
28
|
23
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(8)
|
(3)
|
(17)
|
(8)
|
| Stage 2 [member] | Consumer instalment and other personal [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,090
|
916
|
1,010
|
896
|
| Balance at beginning of period |
|
|
959
|
|
| Net remeasurement due to transfers into stage |
71
|
49
|
157
|
103
|
| Net repayments |
(24)
|
(26)
|
(45)
|
(44)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(26)
|
(23)
|
(46)
|
(47)
|
| Changes to risk, parameters, and models |
148
|
117
|
294
|
277
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
9
|
5
|
(3)
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,146
|
921
|
1,146
|
921
|
| Total Allowance for Loan Losses at end of period |
1,091
|
870
|
1,091
|
870
|
| Less: Total Allowance for off-balance sheet instruments |
55
|
51
|
55
|
51
|
| Stage 2 [member] | Consumer instalment and other personal [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(141)
|
(135)
|
(271)
|
(303)
|
| Stage 2 [member] | Consumer instalment and other personal [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
81
|
67
|
172
|
137
|
| Stage 2 [member] | Consumer instalment and other personal [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(62)
|
(49)
|
(122)
|
(95)
|
| Stage 2 [member] | Credit Card 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,325
|
1,198
|
1,277
|
1,191
|
| Balance at beginning of period |
|
|
913
|
|
| Net remeasurement due to transfers into stage |
121
|
121
|
260
|
248
|
| Net repayments |
1
|
(6)
|
6
|
1
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(18)
|
(23)
|
(34)
|
(41)
|
| Changes to risk, parameters, and models |
286
|
284
|
586
|
554
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
23
|
14
|
(6)
|
(5)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,345
|
1,235
|
1,345
|
1,235
|
| Total Allowance for Loan Losses at end of period |
979
|
874
|
979
|
874
|
| Less: Total Allowance for off-balance sheet instruments |
366
|
361
|
366
|
361
|
| Stage 2 [member] | Credit Card 1 [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(255)
|
(264)
|
(494)
|
(558)
|
| Stage 2 [member] | Credit Card 1 [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
101
|
90
|
212
|
188
|
| Stage 2 [member] | Credit Card 1 [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(239)
|
(179)
|
(462)
|
(343)
|
| Stage 2 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,631
|
1,356
|
1,521
|
1,417
|
| Net remeasurement due to transfers into stage |
51
|
27
|
93
|
51
|
| Net repayments |
(11)
|
(18)
|
(19)
|
(39)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(155)
|
(121)
|
(254)
|
(272)
|
| Changes to risk, parameters, and models |
194
|
192
|
396
|
256
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
30
|
18
|
0
|
(2)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,778
|
1,441
|
1,778
|
1,441
|
| Total Allowance for Loan Losses at end of period |
1,631
|
1,321
|
1,631
|
1,321
|
| Less: Total Allowance for off-balance sheet instruments |
147
|
120
|
147
|
120
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(52)
|
(122)
|
(114)
|
(220)
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
170
|
127
|
290
|
289
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(80)
|
(18)
|
(135)
|
(39)
|
| Stage 3 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
1,028
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,162
|
862
|
1,162
|
862
|
| Total Allowance for Loan Losses at end of period |
1,151
|
859
|
1,151
|
859
|
| Less: Total Allowance for off-balance sheet instruments |
11
|
3
|
11
|
3
|
| Stage 3 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
61
|
51
|
57
|
56
|
| Net remeasurement due to transfers into stage |
0
|
0
|
0
|
0
|
| Net repayments |
0
|
0
|
0
|
0
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(19)
|
(3)
|
(23)
|
(6)
|
| Changes to risk, parameters, and models |
17
|
3
|
23
|
4
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(2)
|
(3)
|
(4)
|
(5)
|
| Recoveries |
1
|
0
|
1
|
1
|
| Foreign exchange and other adjustments |
0
|
1
|
3
|
0
|
| Total Allowance for Loan Losses at end of period |
60
|
49
|
60
|
49
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
(3)
|
(1)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(6)
|
(4)
|
(11)
|
(9)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
8
|
4
|
17
|
9
|
| Stage 3 [member] | Consumer instalment and other personal [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
225
|
162
|
197
|
154
|
| Balance at beginning of period |
|
|
197
|
|
| Net remeasurement due to transfers into stage |
2
|
3
|
4
|
5
|
| Net repayments |
(4)
|
(3)
|
(7)
|
(6)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(16)
|
(8)
|
(26)
|
(17)
|
| Changes to risk, parameters, and models |
275
|
165
|
548
|
353
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(370)
|
(254)
|
(717)
|
(520)
|
| Recoveries |
82
|
73
|
154
|
143
|
| Foreign exchange and other adjustments |
3
|
1
|
1
|
(1)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
238
|
170
|
238
|
170
|
| Total Allowance for Loan Losses at end of period |
238
|
170
|
238
|
170
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Consumer instalment and other personal [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(1)
|
(1)
|
(2)
|
(3)
|
| Stage 3 [member] | Consumer instalment and other personal [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(23)
|
(19)
|
(42)
|
(37)
|
| Stage 3 [member] | Consumer instalment and other personal [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
65
|
51
|
128
|
99
|
| Stage 3 [member] | Credit Card 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
372
|
253
|
312
|
207
|
| Balance at beginning of period |
|
|
312
|
|
| Net remeasurement due to transfers into stage |
6
|
5
|
13
|
10
|
| Net repayments |
18
|
15
|
35
|
28
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(88)
|
(65)
|
(172)
|
(111)
|
| Changes to risk, parameters, and models |
254
|
188
|
548
|
359
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(486)
|
(357)
|
(930)
|
(671)
|
| Recoveries |
83
|
74
|
158
|
143
|
| Foreign exchange and other adjustments |
9
|
4
|
(2)
|
0
|
| Total Allowance, including off-balance sheet instruments, at end of period |
384
|
281
|
384
|
281
|
| Total Allowance for Loan Losses at end of period |
384
|
281
|
384
|
281
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Credit Card 1 [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(8)
|
(6)
|
(15)
|
(11)
|
| Stage 3 [member] | Credit Card 1 [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(20)
|
(14)
|
(36)
|
(26)
|
| Stage 3 [member] | Credit Card 1 [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
244
|
184
|
473
|
353
|
| Stage 3 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
529
|
366
|
470
|
347
|
| Net remeasurement due to transfers into stage |
1
|
0
|
5
|
0
|
| Net repayments |
(3)
|
(19)
|
(29)
|
(43)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(100)
|
(106)
|
(145)
|
(239)
|
| Changes to risk, parameters, and models |
190
|
162
|
377
|
353
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(222)
|
(65)
|
(346)
|
(108)
|
| Recoveries |
15
|
8
|
26
|
20
|
| Foreign exchange and other adjustments |
(8)
|
(3)
|
(22)
|
(8)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
480
|
362
|
480
|
362
|
| Total Allowance for Loan Losses at end of period |
469
|
359
|
469
|
359
|
| Less: Total Allowance for off-balance sheet instruments |
11
|
3
|
11
|
3
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
(2)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(4)
|
(3)
|
(7)
|
(6)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
$ 82
|
$ 22
|
$ 151
|
$ 48
|