v3.26.1
Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($)
$ in Millions
 3 Months Ended 6 Months Ended
Apr. 30, 2026
Apr. 30, 2025
Apr. 30, 2026
Apr. 30, 2025
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     $ 7,639 $ 6,723
Provision for credit losses     2,398 [1] 2,578 [2]
Net write-offs     (1,907) (1,885)
Other, including foreign currency adjustment     (804) (156)
Provision for credit losses        
Balance at end of year $ 7,326 $ 7,260 7,326 7,260
Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     7,463 [3] 6,536
Provision for credit losses        
Balance at end of year 7,150 [4] 7,084 [5] 7,150 [4] 7,084 [5]
Allowance for credit losses on acceptances [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [6]     1 1
Provision for credit losses        
Balance at end of year [6] 1 1 1 1
Allowance for credit losses on off balance sheet exposures [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [7]     175 186
Provision for credit losses        
Balance at end of year [7] 175 175 175 175
Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,439 1,280 1,460 1,208
Provision for credit losses     133 [1] 205 [2]
Net write-offs     (61) (40)
Other, including foreign currency adjustment     (82) 5
Provision for credit losses        
Remeasurement [8] 64 137 135 204
Newly originated or purchased financial assets 10 13 21 25
Derecognition of financial assets and maturities (10) (9) (23) (17)
Changes in models and methodologies       (7)
Gross write-offs (38) (28) (72) (52)
Recoveries 4 4 11 12
Foreign exchange and other movements (19) (19) (82) [9] 5 [9]
Balance at end of year 1,450 1,378 1,450 1,378
Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,460  
Provision for credit losses        
Balance at end of year 1,450 1,378 1,450 1,378
Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,216 2,426 2,432 2,319
Provision for credit losses     954 [1] 1,080 [2]
Net write-offs     (841) (930)
Other, including foreign currency adjustment     (291) (90)
Provision for credit losses        
Remeasurement [8] 441 522 880 1,029
Newly originated or purchased financial assets 93 93 175 194
Derecognition of financial assets and maturities (48) (55) (101) (119)
Changes in models and methodologies   (28)   (24)
Gross write-offs (495) (517) (984) (1,075)
Recoveries 73 72 143 145
Foreign exchange and other movements (26) (134) (291) [9] (90) [9]
Balance at end of year 2,254 2,379 2,254 2,379
Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,432  
Provision for credit losses        
Balance at end of year 2,254 2,379 2,254 2,379
Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,215 1,185 1,355 1,160
Provision for credit losses     625 [1] 722 [2]
Net write-offs     (625) (647)
Other, including foreign currency adjustment     (189)  
Provision for credit losses        
Remeasurement [8] 274 390 617 716
Newly originated or purchased financial assets 19 26 40 58
Derecognition of financial assets and maturities (19) (19) (32) (43)
Changes in models and methodologies       (9)
Gross write-offs (358) (365) (733) (738)
Recoveries 49 49 108 91
Foreign exchange and other movements (14) (31) (189) [9]  
Balance at end of year 1,166 1,235 1,166 1,235
Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,355  
Provision for credit losses        
Balance at end of year 1,166 1,235 1,166 1,235
Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 4,870 4,891 5,247 4,687
Provision for credit losses        
Remeasurement [8] 779 1,049 1,632 1,949
Newly originated or purchased financial assets 122 132 236 277
Derecognition of financial assets and maturities (77) (83) (156) (179)
Changes in models and methodologies   (28)   (40)
Gross write-offs (891) (910) (1,789) (1,865)
Recoveries 126 125 262 248
Foreign exchange and other movements (59) (184) (562) [9] (85) [9]
Balance at end of year 4,870 4,992 4,870 4,992
Business and government [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,392 2,036
Provision for credit losses     686 [1] 571 [2]
Net write-offs     (380) (268)
Other, including foreign currency adjustment     (242) (71)
Provision for credit losses        
Remeasurement [8] 431 343 750 578
Newly originated or purchased financial assets 348 317 681 675
Derecognition of financial assets and maturities (387) (333) (749) (683)
Gross write-offs (208) (163) (406) (303)
Recoveries 15 17 26 35
Foreign exchange and other movements (46) (87) (238) [9] (70) [9]
Balance at end of period including off-balance sheet exposures 2,455 2,267 2,455 2,267
Less: Allowance for credits losses on off-balance sheet exposures [7] (175) (175) (175) (175)
Balance at end of year 2,456 2,268 2,456 2,268
Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,302 2,173 2,391 2,035
Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 2,280 2,092 2,280 2,092
Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,216  
Provision for credit losses        
Balance at end of year 2,280 2,092 2,280 2,092
Stage 1 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     1,860  
Provision for credit losses        
Balance at end of year 1,702 [4] 1,671 [5] 1,702 [4] 1,671 [5]
Stage 1 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 194 160 196 165
Provision for credit losses        
Remeasurement [8] (65) (41) (127) (99)
Newly originated or purchased financial assets 10 13 21 25
Derecognition of financial assets and maturities (2) (2) (4) (4)
Changes in models and methodologies       (2)
Transfer to (from)stage 1 66 63 134 116
Transfer to (from)stage 2 (10) (13) (20) (23)
Foreign exchange and other movements (3) (2) (10) [9]  
Balance at end of year 190 178 190 178
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     196  
Provision for credit losses        
Balance at end of year 190 178 190 178
Stage 1 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 535 554 613 544
Provision for credit losses        
Remeasurement [8] (144) (166) (307) (328)
Newly originated or purchased financial assets 93 93 175 194
Derecognition of financial assets and maturities (22) (20) (43) (43)
Changes in models and methodologies   7    
Transfer to (from)stage 1 141 161 293 311
Transfer to (from)stage 2 (40) (48) (80) (106)
Transfer to (from)stage 3 (1) (2) (2) (4)
Foreign exchange and other movements (4) (45) (91) [9] (34) [9]
Balance at end of year 558 534 558 534
Stage 1 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     613  
Provision for credit losses        
Balance at end of year 558 534 558 534
Stage 1 [member] | Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 257 295 338 288
Provision for credit losses        
Remeasurement [8] (67) (70) (139) (151)
Newly originated or purchased financial assets 19 26 40 58
Derecognition of financial assets and maturities (9) (10) (17) (23)
Changes in models and methodologies       (2)
Transfer to (from)stage 1 74 95 154 183
Transfer to (from)stage 2 (20) (30) (47) (57)
Foreign exchange and other movements (4) (14) (79) [9] (4) [9]
Balance at end of year 250 292 250 292
Stage 1 [member] | Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     338  
Provision for credit losses        
Balance at end of year 250 292 250 292
Stage 1 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 986 1,009 1,147 997
Provision for credit losses        
Remeasurement [8] (276) (277) (573) (578)
Newly originated or purchased financial assets 122 132 236 277
Derecognition of financial assets and maturities (33) (32) (64) (70)
Changes in models and methodologies   7   (4)
Transfer to (from)stage 1 281 319 581 610
Transfer to (from)stage 2 (70) (91) (147) (186)
Transfer to (from)stage 3 (1) (2) (2) (4)
Foreign exchange and other movements (11) (61) (180) [9] (38) [9]
Balance at end of year 998 1,004 998 1,004
Stage 1 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] (24) 9 (79) (2)
Newly originated or purchased financial assets 348 317 681 675
Derecognition of financial assets and maturities (292) (296) (590) (611)
Transfer to (from)stage 1 28 38 54 63
Transfer to (from)stage 2 (11) (16) (30) (38)
Transfer to (from)stage 3   (1)   (2)
Foreign exchange and other movements (4) (21) (61) [9] (4) [9]
Balance at end of period including off-balance sheet exposures 829 820 829 820
Less: Allowance for credits losses on off-balance sheet exposures [7] (125) (153) (125) (153)
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 784 790 854 739
Stage 1 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 704 667 704 667
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     713  
Provision for credit losses        
Balance at end of year 704 667 704 667
Stage 2 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     3,262  
Provision for credit losses        
Balance at end of year 3,040 [4] 3,212 [5] 3,040 [4] 3,212 [5]
Stage 2 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 411 409 424 398
Provision for credit losses        
Remeasurement [8] 45 66 88 102
Derecognition of financial assets and maturities (8) (7) (19) (13)
Changes in models and methodologies       (14)
Transfer to (from)stage 1 (59) (49) (117) (92)
Transfer to (from)stage 2 64 65 128 120
Transfer to (from)stage 3 (24) (24) (50) (49)
Foreign exchange and other movements (10) (8) (35) [9]  
Balance at end of year 419 452 419 452
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     424  
Provision for credit losses        
Balance at end of year 419 452 419 452
Stage 2 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,111 1,225 1,215 1,154
Provision for credit losses        
Remeasurement [8] 234 317 462 596
Derecognition of financial assets and maturities (26) (35) (58) (76)
Changes in models and methodologies   (32)   (29)
Transfer to (from)stage 1 (138) (157) (287) (303)
Transfer to (from)stage 2 70 77 136 162
Transfer to (from)stage 3 (107) (122) (224) (246)
Foreign exchange and other movements (14) (45) (114) [9] (30) [9]
Balance at end of year 1,130 1,228 1,130 1,228
Stage 2 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,215  
Provision for credit losses        
Balance at end of year 1,130 1,228 1,130 1,228
Stage 2 [member] | Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 958 890 1,017 872
Provision for credit losses        
Remeasurement [8] 146 235 343 403
Derecognition of financial assets and maturities (10) (9) (15) (20)
Changes in models and methodologies       (7)
Transfer to (from)stage 1 (74) (95) (154) (183)
Transfer to (from)stage 2 20 30 47 57
Transfer to (from)stage 3 (113) (94) (211) (182)
Foreign exchange and other movements (11) (14) (111) [9] 3 [9]
Balance at end of year 916 943 916 943
Stage 2 [member] | Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,017  
Provision for credit losses        
Balance at end of year 916 943 916 943
Stage 2 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,480 2,524 2,656 2,424
Provision for credit losses        
Remeasurement [8] 425 618 893 1,101
Derecognition of financial assets and maturities (44) (51) (92) (109)
Changes in models and methodologies   (32)   (50)
Transfer to (from)stage 1 (271) (301) (558) (578)
Transfer to (from)stage 2 154 172 311 339
Transfer to (from)stage 3 (244) (240) (485) (477)
Foreign exchange and other movements (35) (67) (260) [9] (27) [9]
Balance at end of year 2,465 2,623 2,465 2,623
Stage 2 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] 112 123 226 190
Derecognition of financial assets and maturities (90) (26) (151) (53)
Transfer to (from)stage 1 (28) (38) (54) (63)
Transfer to (from)stage 2 11 18 30 41
Transfer to (from)stage 3 (10) (5) (25) (10)
Foreign exchange and other movements (5) (12) (41) [9] (2) [9]
Balance at end of period including off-balance sheet exposures 625 611 625 611
Less: Allowance for credits losses on off-balance sheet exposures [7] (50) (22) (50) (22)
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 635 551 640 508
Stage 2 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 575 589 575 589
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     606  
Provision for credit losses        
Balance at end of year 575 589 575 589
Stage 3 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     2,341  
Provision for credit losses        
Balance at end of year 2,408 [4] 2,201 [5] 2,408 [4] 2,201 [5]
Stage 3 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 834 711 840 645
Provision for credit losses        
Remeasurement [8] 84 112 174 201
Changes in models and methodologies       9
Transfer to (from)stage 1 (7) (14) (17) (24)
Transfer to (from)stage 2 (54) (52) (108) (97)
Transfer to (from)stage 3 24 24 50 49
Gross write-offs (38) (28) (72) (52)
Recoveries 4 4 11 12
Foreign exchange and other movements (6) (9) (37) [9] 5 [9]
Balance at end of year 841 748 841 748
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     840  
Provision for credit losses        
Balance at end of year 841 748 841 748
Stage 3 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 570 647 604 621
Provision for credit losses        
Remeasurement [8] 351 371 725 761
Changes in models and methodologies   (3)   5
Transfer to (from)stage 1 (3) (4) (6) (8)
Transfer to (from)stage 2 (30) (29) (56) (56)
Transfer to (from)stage 3 108 124 226 250
Gross write-offs (495) (517) (984) (1,075)
Recoveries 73 72 143 145
Foreign exchange and other movements (8) (44) (86) [9] (26) [9]
Balance at end of year 566 617 566 617
Stage 3 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     604  
Provision for credit losses        
Balance at end of year 566 617 566 617
Stage 3 [member] | Credit cards [member]        
Provision for credit losses        
Remeasurement [8] 195 225 413 464
Transfer to (from)stage 3 113 94 211 182
Gross write-offs (358) (365) (733) (738)
Recoveries 49 49 108 91
Foreign exchange and other movements 1 (3) 1 [9] 1 [9]
Stage 3 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,404 1,358 1,444 1,266
Provision for credit losses        
Remeasurement [8] 630 708 1,312 1,426
Changes in models and methodologies   (3)   14
Transfer to (from)stage 1 (10) (18) (23) (32)
Transfer to (from)stage 2 (84) (81) (164) (153)
Transfer to (from)stage 3 245 242 487 481
Gross write-offs (891) (910) (1,789) (1,865)
Recoveries 126 125 262 248
Foreign exchange and other movements (13) (56) (122) [9] (20) [9]
Balance at end of year 1,407 1,365 1,407 1,365
Stage 3 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] 343 211 603 390
Derecognition of financial assets and maturities (5) (11) (8) (19)
Transfer to (from)stage 2   (2)   (3)
Transfer to (from)stage 3 10 6 25 12
Gross write-offs (208) (163) (406) (303)
Recoveries 15 17 26 35
Foreign exchange and other movements (37) (54) (136) [9] (64) [9]
Balance at end of period including off-balance sheet exposures 1,001 836 1,001 836
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 883 832 897 788
Stage 3 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 1,001 836 1,001 836
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     897  
Provision for credit losses        
Balance at end of year $ 1,001 $ 836 $ 1,001 $ 836
[1] Excludes amounts associated with other assets of $(5). The provision for credit losses, net of these amounts, is $2,393.
[2] Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $2,560.
[3] Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[4] Excludes allowance for credit losses of $194 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[5] Excludes allowance for credit losses of $192 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[6] Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
[7] Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
[8] Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.
[9] Includes impact of divested operations.