v3.25.1
Note 15 - Capital Management (Tables)
6 Months Ended
Apr. 30, 2025
Statement Line Items [Line Items]  
Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)

        
  

April 30

  

October 31

 
  

2025

  

2024

 
         
         

Common Equity Tier 1 (CET1) capital

        

Directly issued qualifying common share capital

 $329,799  $215,610 

Contributed surplus

  2,540   2,485 

Retained earnings

  196,284   181,238 

Accumulated other comprehensive income (loss)

  (317)  (130)

CET1 before regulatory adjustments

  528,306   399,203 

Regulatory adjustments applied to CET1

  (21,084)  (25,700)

Common Equity Tier 1 capital

 $507,222  $373,503 
         

Additional Tier 1 capital

        

Directly issued qualifying Additional Tier 1 instruments

 $-  $- 

Total Tier 1 capital

 $507,222  $373,503 
         

Tier 2 capital

        

Directly issued Tier 2 capital instruments

 $103,590  $104,370 

Tier 2 capital before regulatory adjustments

  103,590   104,370 

Eligible stage 1 and stage 2 allowance

  4,958   3,303 

Total Tier 2 capital

 $108,548  $107,673 

Total regulatory capital

 $615,770  $481,176 

Total risk-weighted assets

 $3,551,398  $3,323,595 

Capital ratios

        

CET1 capital ratio

  14.28%  11.24%

Tier 1 capital ratio

  14.28%  11.24%

Total capital ratio

  17.34%  14.48%

(thousands of Canadian dollars)

        
  

April 30

  

October 31

 
  

2025

  

2024

 
         
         

On-balance sheet assets

 $5,047,133  $4,838,484 

Assets amounts adjusted in determining the Basel III

        

Tier 1 capital

  (21,084)  (25,700)

Total on-balance sheet exposures

  5,026,049   4,812,784 
         

Total off-balance sheet exposure at gross notional amount

 $694,300  $701,104 

Adjustments for conversion to credit equivalent amount

  (443,374)  (451,759)

Total off-balance sheet exposures

  250,926   249,345 
         

Tier 1 capital

  507,222   373,503 

Total exposures

  5,276,975   5,062,129 
         

Leverage ratio

  9.61%  7.38%