Deposits	6 Months Ended
Apr. 30, 2026
Deposits [Abstract]
Deposits	NOTE 9: DEPOSITS Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which primarily include business and government chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal, which include both savings and chequing accounts. Term deposits are payable on a given date of maturity with terms ranging from one day to ten years and generally include fixed term deposits, guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in denominations of $100,000 or more as at April 30, 2026, was $ 558 billion (October 31, 2025 – $ 544 billion). Deposits (millions of Canadian dollars) As at April 30 October 31 By Type By Country 2026 2025 Demand Notice Term 1 Canada United States International Total Total Personal $ 26,676 $ 482,541 $ 132,610 $ 356,908 $ 284,919 $ – $ 641,827 $ 650,396 Banks 10,771 719 14,047 19,701 4,327 1,509 25,537 27,233 Business and government 2 163,464 192,166 220,437 424,291 150,653 1,123 576,067 589,475 200,911 675,426 367,094 800,900 439,899 2,632 1,243,431 1,267,104 Trading – – 39,308 26,909 5,513 6,886 39,308 37,882 Designated at fair value through profit or loss 3 – – 222,176 60,930 89,731 71,515 222,176 197,336 Total $ 200,911 $ 675,426 $ 628,578 $ 888,739 $ 535,143 $ 81,033 $ 1,504,915 $ 1,502,322 Non-interest-bearing deposits included above 4 Canada $ 61,038 $ 60,796 United States 71,653 73,364 International 44 1 Interest-bearing deposits included above 4 Canada 827,701 834,275 United States 5 463,490 468,328 International 80,989 65,558 Total 2,6 $ 1,504,915 $ 1,502,322 1 Includes $ 107.5 billion (October 31, 2025 – $ 104.3 billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares in the event that the Bank becomes non-viable. 2 Includes $ 64.6 billion relating to covered bondholders (October 31, 2025 – $ 70.6 billion). 3 Financial liabilities designated at FVTPL on the Consolidated Balance Sheet also include $ 327 million (October 31, 2025 – $ 299 million) of loan commitments, financial guarantees and other liabilities designated at FVTPL. 4 The geographical splits of the deposits are based on the point of origin of the deposits. 5 Includes $ 9.1 billion (October 31, 2025 – $ 7.2 billion) of U.S. federal funds deposited and $ 4.1 billion (October 31, 2025 – $ 1.1 billion) of deposits and advances with the FHLB. 6 Includes deposits of $ 804.5 billion (October 31, 2025 – $ 807.7 billion) denominated in U.S. dollars and $ 114.6 billion (October 31, 2025 – $ 111.1 billion) denominated in other foreign currencies.

Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which

primarily include business and government

chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal,

which include both savings and chequing

accounts. Term

deposits are payable on a given date of maturity with terms ranging from one day to ten years and generally include fixed term deposits,

guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in

denominations of $100,000 or more as at

April 30, 2026, was $

558

billion (October 31, 2025 – $

544

billion).

Deposits

(millions of Canadian dollars)

As at

April 30

October 31

By Type

By Country

2026

2025

Demand

Notice

Term

Canada

United States

International

Total

Personal

26,676

482,541

132,610

356,908

284,919

–

641,827

650,396

Banks

10,771

719

14,047

19,701

4,327

1,509

25,537

27,233

Business and government

163,464

192,166

220,437

424,291

150,653

1,123

576,067

589,475

200,911

675,426

367,094

800,900

439,899

2,632

1,243,431

1,267,104

Trading

–

39,308

26,909

5,513

6,886

39,308

37,882

Designated at fair value through

profit or loss

–

222,176

60,930

89,731

71,515

222,176

197,336

Total

200,911

675,426

628,578

888,739

535,143

81,033

1,504,915

1,502,322

Non-interest-bearing deposits

included above

Canada

61,038

60,796

United States

71,653

73,364

International

Interest-bearing deposits

included above

Canada

827,701

834,275

United States

463,490

468,328

International

80,989

65,558

Total

2,6

1,504,915

1,502,322

Includes $

107.5

billion (October 31, 2025 – $

104.3

billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides

certain statutory powers to the

Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into

common shares in the event that the Bank becomes non-viable.

Includes $

64.6

billion relating to covered bondholders (October 31, 2025 – $

70.6

billion).

Financial liabilities designated at FVTPL on the Consolidated Balance Sheet also include $

327

million (October 31, 2025 – $

299

million) of loan commitments, financial guarantees and

other liabilities designated at FVTPL.

The geographical splits of the deposits are based on the point of origin of the deposits.

Includes $

9.1

billion (October 31, 2025 – $

7.2

billion) of U.S. federal funds deposited and $

4.1

billion (October 31, 2025 – $

1.1

billion) of deposits and advances with the FHLB.

Includes deposits of $

804.5

billion (October 31, 2025 – $

807.7

billion) denominated in U.S. dollars and $

114.6

billion (October 31, 2025 – $

111.1

billion) denominated in other foreign

currencies.