Deposits (Tables)

6 Months Ended

Apr. 30, 2026


	As at
	April 30, 2026										January 31 2026		October 31 2025
	Payable on demand (1)				Payable after notice (2)
($ millions)	Interest- bearing		Non-interest- bearing		Payable after notice (2)		Payable on a fixed date (3)		Total		Total		Total
Personal	$	37,307	$	11,328	$	123,046	$	123,559	$	295,240	$	295,199	$	301,718
Business and government		190,437		35,239		67,697		350,932		644,305		631,375		627,667
Financial institutions		8,339		834		2,993		29,778		41,944		45,108		36,894
	$	236,083	$	47,401	$	193,736	$	504,269	$	981,489	$	971,682	$	966,279
Recorded in:
Canada	$	164,896	$	25,089	$	179,557	$	332,456	$	701,998	$	700,024	$	692,600
United States		37,711		219		4,031		71,568		113,529		105,006		101,495
United Kingdom		–		–		300		40,884		41,184		41,907		34,046
Mexico		14,294		8,040		–		17,186		39,520		38,686		39,091
Peru		11,913		8		1,099		7,925		20,945		20,194		19,917
Chile		1,434		6,088		142		16,390		24,054		24,307		23,135
Colombia		–		–		–		–		–		–		10,408
Other International		5,835		7,957		8,607		17,860		40,259		41,558		45,587
Total (4)	$	236,083	$	47,401	$	193,736	$	504,269	$	981,489	$	971,682	$	966,279

(1)

Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.

(2)

Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts.

(3)

All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.

(4)

Deposits denominated in U.S. dollars amount to $317,453 (January 31, 2026 – $310,021 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,300 (January 31, 2026 – $20,881; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $36,731 (January 31, 2026 – $35,542; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $109,608 (January 31, 2026 – $110,665; October 31, 2025 – $117,530).

Summary of Maturity Schedule for Term Deposits

The following table presents the maturity schedule for term deposits in Canada greater than $100,000

(1)


($ millions)	Within three months		Three to six months		Six to twelve months		One to five years		Over five years		Total
As at April 30, 2026	$	50,686	$	35,285	$	68,997	$	105,503	$	20,322	$	280,793
As at January 31, 2026	$	59,932	$	32,509	$	59,105	$	107,238	$	18,267	$	277,051
As at October 31, 2025	$	54,287	$	37,607	$	57,519	$	109,573	$	15,165	$	274,151

(1)

The majority of foreign term deposits are in excess of $100,000.