v3.26.1
Deposits (Tables)
 6 Months Ended
Apr. 30, 2026
Deposits [Abstract]  
Summary of Deposit Liabilities
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.