v3.26.1
Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Details) - CAD ($)
$ in Millions
 3 Months Ended 6 Months Ended
Apr. 30, 2026
Apr. 30, 2025
Apr. 30, 2026
Apr. 30, 2025
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period     $ 5,739  
Balance as at end of period $ 5,798   5,798  
Other assets        
Disclosure of credit risk exposure [line items]        
Total PCL (9) $ (8) 4 $ 1
Provision for credit losses 9 8 (4) (1)
IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 5,798 5,616 5,798 5,616
IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 5,064 4,960 5,064 4,960
IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 734 656 734 656
Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 252 275 247 261
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 43 23 70 45
Loan originations 3 5 6 10
Derecognitions and maturities (6) (3) (14) (8)
Model changes (52) 0 (52) 0
Total PCL (12) 25 10 47
Write-offs (4) (4) (6) (5)
Recoveries of previous write-offs 2 3 5 4
Foreign exchange and other (17) (20) (35) (28)
Balance as at end of period 221 279 221 279
Provision for credit losses 12 (25) (10) (47)
Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 934 891 915 843
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 224 174 402 375
Loan originations 11 7 17 16
Derecognitions and maturities (15) (14) (28) (28)
Model changes (9) 0 (9) 0
Total PCL 211 167 382 363
Write-offs (183) (168) (367) (338)
Recoveries of previous write-offs 41 44 74 72
Foreign exchange and other (36) (27) (37) (33)
Balance as at end of period 967 907 967 907
Provision for credit losses (211) (167) (382) (363)
Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 798 721 791 705
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 193 215 393 409
Loan originations 10 18 19 33
Derecognitions and maturities (14) (14) (29) (25)
Model changes (4) 0 (4) 0
Total PCL 185 219 379 417
Write-offs (219) (230) (427) (453)
Recoveries of previous write-offs 44 56 86 109
Foreign exchange and other (21) (41) (42) (53)
Balance as at end of period 787 725 787 725
Provision for credit losses (185) (219) (379) (417)
Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 3,769 3,551 3,786 3,127
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance (55) 696 375 1,343
Loan originations 73 68 157 146
Derecognitions and maturities (150) (129) (300) (252)
Model changes 478 0 (478) 0
Total PCL 346 635 710 1,237
Write-offs (343) (371) (580) (624)
Recoveries of previous write-offs 54 93 111 154
Foreign exchange and other (3) (203) (204) (189)
Balance as at end of period 3,823 3,705 3,823 3,705
Provision for credit losses (346) (635) (710) (1,237)
Stage 1 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,378 1,369 1,378 1,369
Stage 1 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,068 1,112 1,068 1,112
Stage 1 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 310 257 310 257
Stage 1 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 55 62 56 56
Transfer to Stage 1 62 37 84 82
Transfer to Stage 2 (3) (3) (7) (5)
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance (2) (32) (22) (74)
Loan originations 3 5 6 10
Derecognitions and maturities (1) 0 (3) (1)
Model changes (64) 0 (64) 0
Total PCL (5) 7 (6) 12
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other (1) (2) (1) (1)
Balance as at end of period 49 67 49 67
Provision for credit losses 5 (7) 6 (12)
Stage 1 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 193 194 200 197
Transfer to Stage 1 79 74 163 147
Transfer to Stage 2 (15) (15) (32) (28)
Transfer to Stage 3 (2) (2) (4) (4)
Net remeasurement of loss allowance (46) (67) (118) (135)
Loan originations 11 7 17 16
Derecognitions and maturities (4) (4) (8) (9)
Model changes (11) 0 (11) 0
Total PCL 12 (7) 7 (13)
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other (1) (4) (3) (1)
Balance as at end of period 204 183 204 183
Provision for credit losses (12) 7 (7) 13
Stage 1 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 205 229 188 233
Transfer to Stage 1 109 58 203 124
Transfer to Stage 2 (18) (24) (35) (46)
Transfer to Stage 3 (1) (2) (3) (4)
Net remeasurement of loss allowance (82) (55) (145) (115)
Loan originations 10 18 19 33
Derecognitions and maturities (3) (4) (6) (6)
Model changes (4) 0 (4) 0
Total PCL 11 (9) 29 (14)
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 (3) 0 (2)
Balance as at end of period 217 217 217 217
Provision for credit losses (11) 9 (29) 14
Stage 1 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 933 860 931 892
Transfer to Stage 1 210 93 324 252
Transfer to Stage 2 (87) (59) (158) (170)
Transfer to Stage 3 (1) (2) (3) (4)
Net remeasurement of loss allowance (199) 4 (259) (143)
Loan originations 73 68 157 146
Derecognitions and maturities (30) (30) (67) (68)
Model changes 10 0 (10) 0
Total PCL (24) 74 4 13
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other (1) (32) (27) (3)
Balance as at end of period 908 902 908 902
Provision for credit losses 24 (74) (4) (13)
Stage 2 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 3,259 3,269 3,259 3,269
Stage 2 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 2,895 2,938 2,895 2,938
Stage 2 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 364 331 364 331
Stage 2 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 180 191 179 186
Transfer to Stage 1 (62) (37) (83) (81)
Transfer to Stage 2 22 7 40 14
Transfer to Stage 3 (16) (10) (30) (18)
Net remeasurement of loss allowance 18 50 45 101
Loan originations 0 0 0 0
Derecognitions and maturities (5) (3) (11) (7)
Model changes 12 0 12 0
Total PCL (31) 7 (27) 9
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 (4) (2) (1)
Balance as at end of period 150 194 150 194
Provision for credit losses 31 (7) 27 (9)
Stage 2 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 558 514 555 471
Transfer to Stage 1 (75) (70) (156) (137)
Transfer to Stage 2 26 28 53 53
Transfer to Stage 3 (47) (43) (94) (85)
Net remeasurement of loss allowance 149 133 265 264
Loan originations 0 0 0 0
Derecognitions and maturities (11) (10) (20) (19)
Model changes 2 0 2 0
Total PCL 44 38 50 76
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other (1) (7) (4) (2)
Balance as at end of period 601 545 601 545
Provision for credit losses (44) (38) (50) (76)
Stage 2 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 593 492 603 472
Transfer to Stage 1 (109) (58) (203) (124)
Transfer to Stage 2 19 24 36 46
Transfer to Stage 3 (127) (112) (247) (219)
Net remeasurement of loss allowance 204 189 405 364
Loan originations 0 0 0 0
Derecognitions and maturities (11) (10) (23) (19)
Model changes 0 0 0 0
Total PCL (24) 33 (32) 48
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 (17) (1) (12)
Balance as at end of period 570 508 570 508
Provision for credit losses 24 (33) 32 (48)
Stage 2 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 1,892 1,938 1,997 1,698
Transfer to Stage 1 (206) (88) (316) (231)
Transfer to Stage 2 145 89 242 238
Transfer to Stage 3 (81) (82) (167) (220)
Net remeasurement of loss allowance (193) 318 (11) 706
Loan originations 0 0 0 0
Derecognitions and maturities (120) (99) (233) (184)
Model changes 468 0 (468) 0
Total PCL 13 138 (17) 309
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 33 (54) (42) 15
Balance as at end of period 1,938 2,022 1,938 2,022
Provision for credit losses (13) (138) 17 (309)
Stage 3 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,161 978 1,161 978
Stage 3 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,101 910 1,101 910
Stage 3 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 60 68 60 68
Stage 3 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 17 22 12 19
Transfer to Stage 1 0 0 (1) (1)
Transfer to Stage 2 (19) (4) (33) (9)
Transfer to Stage 3 16 10 30 18
Net remeasurement of loss allowance 27 5 47 18
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 24 11 43 26
Write-offs (4) (4) (6) (5)
Recoveries of previous write-offs 2 3 5 4
Foreign exchange and other (17) (14) (32) (26)
Balance as at end of period 22 18 22 18
Provision for credit losses (24) (11) (43) (26)
Stage 3 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 183 183 160 175
Transfer to Stage 1 (4) (4) (7) (10)
Transfer to Stage 2 (11) (13) (21) (25)
Transfer to Stage 3 49 45 98 89
Net remeasurement of loss allowance 121 108 255 246
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 155 136 325 300
Write-offs (183) (168) (367) (338)
Recoveries of previous write-offs 41 44 74 72
Foreign exchange and other (34) (16) (30) (30)
Balance as at end of period 162 179 162 179
Provision for credit losses (155) (136) (325) (300)
Stage 3 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 0 0 0 0
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 (1) 0 (1) 0
Transfer to Stage 3 128 114 250 223
Net remeasurement of loss allowance 71 81 133 160
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 198 195 382 383
Write-offs (219) (230) (427) (453)
Recoveries of previous write-offs 44 56 86 109
Foreign exchange and other (23) (21) (41) (39)
Balance as at end of period 0 0 0 0
Provision for credit losses (198) (195) (382) (383)
Stage 3 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 944 753 858 537
Transfer to Stage 1 (4) (5) (8) (21)
Transfer to Stage 2 (58) (30) (84) (68)
Transfer to Stage 3 82 84 170 224
Net remeasurement of loss allowance 337 374 645 780
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 357 423 723 915
Write-offs (343) (371) (580) (624)
Recoveries of previous write-offs 54 93 111 154
Foreign exchange and other (35) (117) (135) (201)
Balance as at end of period 977 781 977 781
Provision for credit losses $ (357) $ (423) $ (723) $ (915)