Deposits and Subordinated Debt (Tables)

6 Months Ended

Apr. 30, 2026

Disclosure of Deposits and Subordinated Debt [Abstract]


	Payable on demand
			Non-interest		Payable		Payable on a
(Canadian $ in millions)	Interest bearing		bearing		after notice (1)		fixed date (2) (3)		April 30, 2026		October 31, 2025
Amortized cost deposits by:
Banks (4)	$	4,645	$	1,880	$	1,403	$	24,637	$	32,565	$	27,621
Business and government (5)	79,101		43,122		214,576		241,034		577,833		585,497
Individuals (5)	3,894		38,753		152,914		98,476		294,037		306,922
Total amortized cost deposits	87,640		83,755		368,893		364,147		904,435		920,040
Deposits at FVTPL	–		–		–		62,466		62,466		56,162
Total (6)	$	87,640	$	83,755	$	368,893	$	426,613	$	966,901	$	976,202
Booked in:
Canada	$	75,250	$	72,436	$	170,799	$	298,403	$	616,888	$	620,858
United States	12,309		11,319		194,288		71,443		289,359		305,472
Other countries	81		–		3,806		56,767		60,654		49,872
Total	$	87,640	$	83,755	$	368,893	$	426,613	$	966,901	$	976,202

(1)Includes $43,369 million of non-interest bearing deposits as at April 30, 2026 ($43,766 million as at October 31, 2025).

(2)Includes $68,349 million of senior unsecured debt as at April 30, 2026 subject to the Bank Recapitalization (Bail-In) regime ($62,843 million as at October 31, 2025). The Bail-In regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares if the bank becomes non-viable.

(3)Deposits totalling $27,136 million as at April 30, 2026 ($27,819 million as at October 31, 2025) can be redeemed early, either fully or partially, by customers without penalty. These are classified as payable on a fixed date, based on their remaining contractual maturities.

(4)Includes regulated and central banks.

(5)The carrying value of deposits that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts.

(6)Includes $494,961 million of deposits denominated in U.S. dollars as at April 30, 2026 ($508,058 million as at October 31, 2025), and $66,663 million of deposits denominated in other foreign currencies ($59,697 million as at October 31, 2025).

Summary of Deposits Payable On a Fixed Date

The following table presents deposits payable on a fixed date and greater than one hundred thousand dollars:


(Canadian $ in millions)	Canada		United States		Other		Total
As at April 30, 2026	$	255,381	$	64,499	$	56,767	$	376,647
As at October 31, 2025	259,670		69,206		47,386		376,262

Summary of Maturity Schedule for Deposits Greater than One Hundred Thousand Dollars Booked In Canada

The following table presents the maturity schedule for deposits payable on a fixed date greater than one hundred thousand dollars, which are booked in Canada:


(Canadian $ in millions)	Less than 3 months		3 to 6 months		6 to 12 months		Over 12 months		Total
As at April 30, 2026	$	48,873	$	33,260	$	53,017	$	120,231	$	255,381
As at October 31, 2025	51,591		32,105		56,129		119,845		259,670