| Summary of Deposit Liabilities |
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As at |
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October 31, 2023 |
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(Millions of Canadian dollars) |
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(1) |
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(2) |
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(3) |
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Demand (1) |
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Notice (2) |
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Term (3) |
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Total |
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Personal |
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$ |
186,530 |
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$ |
57,614 |
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$ |
197,802 |
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$ |
441,946 |
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Business and government |
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316,200 |
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19,056 |
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409,819 |
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745,075 |
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Bank |
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7,996 |
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769 |
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35,901 |
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44,666 |
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$ |
510,726 |
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$ |
77,439 |
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$ |
643,522 |
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$ |
1,231,687 |
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Canada |
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$ |
132,994 |
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$ |
6,107 |
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$ |
168 |
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$ |
139,269 |
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United States |
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40,646 |
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– |
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– |
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40,646 |
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17 |
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– |
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– |
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17 |
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Other International |
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7,265 |
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– |
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– |
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7,265 |
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Canada |
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302,746 |
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14,641 |
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493,347 |
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810,734 |
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United States |
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16,210 |
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55,895 |
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78,837 |
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150,942 |
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5,353 |
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726 |
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51,812 |
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57,891 |
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Other International |
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5,495 |
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70 |
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19,358 |
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24,923 |
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$ |
510,726 |
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$ |
77,439 |
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$ |
643,522 |
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$ |
1,231,687 |
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| (1) |
Demand deposits are deposits for which we do not have the right to require notice of withdrawal, which include both savings and chequing accounts. |
| (2) |
Notice deposits are deposits for which we can legally require notice of withdrawal. These deposits are primarily savings accounts. |
| (3) |
Term deposits are deposits payable on a fixed date, and include term deposits, guaranteed investment certificates and similar instruments. |
| (4) |
The geographical splits of the deposits are based on the point of origin of the deposits and where the revenue is recognized. As at October 31, 2024, deposits denominated in U.S. dollars, British pounds, Euro and other foreign currencies were $511 billion, $34 billion, $53 billion and $29 billion, respectively (October 31, 2023 – $445 billion, $34 billion, $49 billion and $32 billion, respectively). |
| (5) |
Europe includes the United Kingdom and the Channel Islands.
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| Summary of Contractual Maturities of Term Deposit Liabilities |
Contractual maturities of term deposits (1)
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As at |
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(Millions of Canadian dollars) |
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October 31 2023 |
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Within 1 year: |
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less than 3 months |
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$ |
182,373 |
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3 to 6 months |
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69,868 |
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6 to 12 months |
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151,079 |
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1 to 2 years |
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76,232 |
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2 to 3 years |
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49,965 |
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3 to 4 years |
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36,774 |
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4 to 5 years |
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36,506 |
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Over 5 years |
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40,725 |
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$ |
643,522 |
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| (1) |
The aggregate amount of term deposits in denominations of one hundred thousand dollars or more is $670 billion (October 31, 2023: $586 billion). |
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