Loans, Impaired Loans, and Allowance for Credit Losses (Summary of Allowance for Loan Losses) (Details) - CAD ($)
$ in Millions |
3 Months Ended |
6 Months Ended |
Apr. 30, 2026 |
Apr. 30, 2025 |
Apr. 30, 2026 |
Apr. 30, 2025 |
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
$ 8,689
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
$ 9,449
|
$ 9,584
|
9,449
|
$ 9,584
|
| Total Allowance for Loan Losses at end of period |
8,419
|
8,613
|
8,419
|
8,613
|
| Less: Total Allowance for off-balance sheet instruments |
1,030
|
971
|
1,030
|
971
|
| Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
383
|
368
|
357
|
365
|
| Net remeasurement due to transfers into stage |
(1)
|
(1)
|
(2)
|
(4)
|
| New originations or purchases |
5
|
5
|
11
|
12
|
| Net repayments |
(2)
|
(2)
|
(4)
|
(4)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(15)
|
(18)
|
(30)
|
(32)
|
| Changes to risk, parameters, and models |
51
|
2
|
94
|
13
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(3)
|
(1)
|
(7)
|
(2)
|
| Recoveries |
2
|
1
|
3
|
1
|
| Foreign exchange and other adjustments |
0
|
(6)
|
(2)
|
(1)
|
| Total Allowance for Loan Losses at end of period |
420
|
348
|
420
|
348
|
| Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
2,207
|
2,189
|
2,273
|
2,133
|
| Balance at beginning of period |
|
|
2,193
|
|
| Net remeasurement due to transfers into stage |
(7)
|
13
|
(18)
|
9
|
| New originations or purchases |
81
|
76
|
173
|
160
|
| Net repayments |
(55)
|
(53)
|
(109)
|
(104)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(60)
|
(58)
|
(124)
|
(119)
|
| Changes to risk, parameters, and models |
368
|
402
|
706
|
790
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(401)
|
(399)
|
(822)
|
(811)
|
| Recoveries |
83
|
92
|
161
|
170
|
| Foreign exchange and other adjustments |
(1)
|
(41)
|
(25)
|
(7)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,215
|
2,221
|
2,215
|
2,221
|
| Total Allowance for Loan Losses at end of period |
2,143
|
2,145
|
2,143
|
2,145
|
| Less: Total Allowance for off-balance sheet instruments |
72
|
76
|
72
|
76
|
| Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
2,796
|
2,797
|
2,790
|
2,699
|
| Balance at beginning of period |
|
|
2,292
|
|
| Net remeasurement due to transfers into stage |
34
|
41
|
56
|
(62)
|
| New originations or purchases |
48
|
38
|
96
|
74
|
| Net repayments |
4
|
7
|
39
|
47
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(145)
|
(134)
|
(302)
|
(258)
|
| Changes to risk, parameters, and models |
455
|
499
|
990
|
1,100
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(529)
|
(532)
|
(1,058)
|
(1,061)
|
| Recoveries |
118
|
97
|
227
|
190
|
| Foreign exchange and other adjustments |
2
|
(97)
|
(55)
|
(13)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,783
|
2,716
|
2,783
|
2,716
|
| Total Allowance for Loan Losses at end of period |
2,279
|
2,217
|
2,279
|
2,217
|
| Less: Total Allowance for off-balance sheet instruments |
504
|
499
|
504
|
499
|
| Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
4,211
|
4,240
|
4,321
|
3,940
|
| Net remeasurement due to transfers into stage |
8
|
27
|
21
|
58
|
| New originations or purchases |
376
|
314
|
795
|
614
|
| Net repayments |
(88)
|
(83)
|
(214)
|
(95)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(585)
|
(405)
|
(1,209)
|
(846)
|
| Changes to risk, parameters, and models |
528
|
670
|
1,070
|
1,199
|
| Disposals |
(5)
|
0
|
(27)
|
(9)
|
| Write-offs |
(407)
|
(383)
|
(663)
|
(585)
|
| Recoveries |
13
|
23
|
33
|
39
|
| Foreign exchange and other adjustments |
(20)
|
(104)
|
(96)
|
(16)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
4,031
|
4,299
|
4,031
|
4,299
|
| Total Allowance for Loan Losses at end of period |
3,577
|
3,903
|
3,577
|
3,903
|
| Less: Total Allowance for off-balance sheet instruments |
454
|
396
|
454
|
396
|
| Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Stage 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
2,739
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
3,208
|
3,060
|
3,208
|
3,060
|
| Total Allowance for Loan Losses at end of period |
2,736
|
2,645
|
2,736
|
2,645
|
| Less: Total Allowance for off-balance sheet instruments |
472
|
415
|
472
|
415
|
| Stage 1 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
103
|
114
|
102
|
116
|
| Net remeasurement due to transfers into stage |
(5)
|
(5)
|
(11)
|
(12)
|
| New originations or purchases |
5
|
5
|
11
|
12
|
| Net repayments |
(1)
|
(1)
|
(2)
|
(2)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(1)
|
(5)
|
(2)
|
(9)
|
| Changes to risk, parameters, and models |
(10)
|
(15)
|
(22)
|
(43)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
0
|
(2)
|
(1)
|
0
|
| Total Allowance for Loan Losses at end of period |
101
|
106
|
101
|
106
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
23
|
22
|
47
|
57
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(13)
|
(7)
|
(21)
|
(13)
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Stage 1 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
721
|
683
|
724
|
696
|
| Balance at beginning of period |
|
|
699
|
|
| Net remeasurement due to transfers into stage |
(82)
|
(61)
|
(166)
|
(143)
|
| New originations or purchases |
81
|
76
|
173
|
160
|
| Net repayments |
(23)
|
(20)
|
(46)
|
(42)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(23)
|
(21)
|
(45)
|
(42)
|
| Changes to risk, parameters, and models |
(72)
|
(46)
|
(168)
|
(148)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
0
|
(15)
|
(9)
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
720
|
673
|
720
|
673
|
| Total Allowance for Loan Losses at end of period |
697
|
649
|
697
|
649
|
| Less: Total Allowance for off-balance sheet instruments |
23
|
24
|
23
|
24
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
186
|
139
|
388
|
324
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(65)
|
(60)
|
(125)
|
(124)
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(3)
|
(2)
|
(6)
|
(5)
|
| Stage 1 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
950
|
927
|
944
|
947
|
| Balance at beginning of period |
|
|
743
|
|
| Net remeasurement due to transfers into stage |
(101)
|
(78)
|
(210)
|
(300)
|
| New originations or purchases |
48
|
38
|
96
|
74
|
| Net repayments |
(10)
|
(12)
|
5
|
6
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(12)
|
(9)
|
(23)
|
(36)
|
| Changes to risk, parameters, and models |
(87)
|
(28)
|
(185)
|
(275)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
0
|
(32)
|
(20)
|
(4)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
941
|
953
|
941
|
953
|
| Total Allowance for Loan Losses at end of period |
738
|
743
|
738
|
743
|
| Less: Total Allowance for off-balance sheet instruments |
203
|
210
|
203
|
210
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
252
|
235
|
533
|
720
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(92)
|
(82)
|
(183)
|
(168)
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(7)
|
(6)
|
(16)
|
(11)
|
| Stage 1 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,418
|
1,272
|
1,439
|
1,150
|
| Net remeasurement due to transfers into stage |
(28)
|
(18)
|
(59)
|
(46)
|
| New originations or purchases |
376
|
314
|
795
|
614
|
| Net repayments |
0
|
(2)
|
7
|
15
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(205)
|
(160)
|
(472)
|
(329)
|
| Changes to risk, parameters, and models |
(43)
|
57
|
(135)
|
86
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
(6)
|
(39)
|
(16)
|
2
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,446
|
1,328
|
1,446
|
1,328
|
| Total Allowance for Loan Losses at end of period |
1,200
|
1,147
|
1,200
|
1,147
|
| Less: Total Allowance for off-balance sheet instruments |
246
|
181
|
246
|
181
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
81
|
66
|
174
|
154
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(145)
|
(161)
|
(283)
|
(314)
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(1)
|
(4)
|
(4)
|
| Stage 2 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
4,362
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
4,706
|
4,892
|
4,706
|
4,892
|
| Total Allowance for Loan Losses at end of period |
4,153
|
4,340
|
4,153
|
4,340
|
| Less: Total Allowance for off-balance sheet instruments |
553
|
552
|
553
|
552
|
| Stage 2 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
194
|
181
|
175
|
189
|
| Net remeasurement due to transfers into stage |
4
|
4
|
9
|
8
|
| Net repayments |
(1)
|
(1)
|
(2)
|
(2)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(5)
|
(6)
|
(10)
|
(10)
|
| Changes to risk, parameters, and models |
41
|
8
|
79
|
34
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
0
|
(1)
|
0
|
0
|
| Total Allowance for Loan Losses at end of period |
223
|
174
|
223
|
174
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(21)
|
(20)
|
(44)
|
(54)
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
21
|
17
|
36
|
28
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(10)
|
(8)
|
(20)
|
(19)
|
| Stage 2 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,211
|
1,224
|
1,275
|
1,175
|
| Balance at beginning of period |
|
|
1,220
|
|
| Net remeasurement due to transfers into stage |
72
|
72
|
142
|
148
|
| Net repayments |
(28)
|
(29)
|
(54)
|
(54)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(26)
|
(27)
|
(55)
|
(57)
|
| Changes to risk, parameters, and models |
168
|
179
|
300
|
360
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
(1)
|
(21)
|
(13)
|
(4)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,220
|
1,270
|
1,220
|
1,270
|
| Total Allowance for Loan Losses at end of period |
1,171
|
1,218
|
1,171
|
1,218
|
| Less: Total Allowance for off-balance sheet instruments |
49
|
52
|
49
|
52
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(184)
|
(137)
|
(385)
|
(321)
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
87
|
85
|
167
|
172
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(79)
|
(76)
|
(157)
|
(149)
|
| Stage 2 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,395
|
1,372
|
1,386
|
1,374
|
| Balance at beginning of period |
|
|
1,089
|
|
| Net remeasurement due to transfers into stage |
128
|
113
|
250
|
225
|
| Net repayments |
(3)
|
(1)
|
0
|
3
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(27)
|
(21)
|
(56)
|
(43)
|
| Changes to risk, parameters, and models |
298
|
302
|
663
|
775
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
1
|
(46)
|
(23)
|
(6)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,394
|
1,314
|
1,394
|
1,314
|
| Total Allowance for Loan Losses at end of period |
1,093
|
1,025
|
1,093
|
1,025
|
| Less: Total Allowance for off-balance sheet instruments |
301
|
289
|
301
|
289
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(243)
|
(224)
|
(514)
|
(698)
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
116
|
105
|
232
|
212
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(271)
|
(286)
|
(544)
|
(528)
|
| Stage 2 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,905
|
1,997
|
2,092
|
1,937
|
| Net remeasurement due to transfers into stage |
34
|
45
|
79
|
103
|
| Net repayments |
(46)
|
(5)
|
(77)
|
(24)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(194)
|
(199)
|
(449)
|
(395)
|
| Changes to risk, parameters, and models |
169
|
311
|
364
|
561
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
(4)
|
(56)
|
(43)
|
(7)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,869
|
2,134
|
1,869
|
2,134
|
| Total Allowance for Loan Losses at end of period |
1,666
|
1,923
|
1,666
|
1,923
|
| Less: Total Allowance for off-balance sheet instruments |
203
|
211
|
203
|
211
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(81)
|
(63)
|
(174)
|
(151)
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
148
|
176
|
290
|
334
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(62)
|
(72)
|
(213)
|
(224)
|
| Stage 3 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
1,588
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,535
|
1,632
|
1,535
|
1,632
|
| Total Allowance for Loan Losses at end of period |
1,530
|
1,628
|
1,530
|
1,628
|
| Less: Total Allowance for off-balance sheet instruments |
5
|
4
|
5
|
4
|
| Stage 3 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
86
|
73
|
80
|
60
|
| Net remeasurement due to transfers into stage |
0
|
0
|
0
|
0
|
| Net repayments |
0
|
0
|
0
|
0
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(9)
|
(7)
|
(18)
|
(13)
|
| Changes to risk, parameters, and models |
20
|
9
|
37
|
22
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(3)
|
(1)
|
(7)
|
(2)
|
| Recoveries |
2
|
1
|
3
|
1
|
| Foreign exchange and other adjustments |
0
|
(3)
|
(1)
|
(1)
|
| Total Allowance for Loan Losses at end of period |
96
|
68
|
96
|
68
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(2)
|
(3)
|
(3)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(8)
|
(10)
|
(15)
|
(15)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
10
|
8
|
20
|
19
|
| Stage 3 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
275
|
282
|
274
|
262
|
| Balance at beginning of period |
|
|
274
|
|
| Net remeasurement due to transfers into stage |
3
|
2
|
6
|
4
|
| Net repayments |
(4)
|
(4)
|
(9)
|
(8)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(11)
|
(10)
|
(24)
|
(20)
|
| Changes to risk, parameters, and models |
272
|
269
|
574
|
578
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(401)
|
(399)
|
(822)
|
(811)
|
| Recoveries |
83
|
92
|
161
|
170
|
| Foreign exchange and other adjustments |
0
|
(5)
|
(3)
|
0
|
| Total Allowance, including off-balance sheet instruments, at end of period |
275
|
278
|
275
|
278
|
| Total Allowance for Loan Losses at end of period |
275
|
278
|
275
|
278
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(2)
|
(3)
|
(3)
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(22)
|
(25)
|
(42)
|
(48)
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
82
|
78
|
163
|
154
|
| Stage 3 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
451
|
498
|
460
|
378
|
| Balance at beginning of period |
|
|
460
|
|
| Net remeasurement due to transfers into stage |
7
|
6
|
16
|
13
|
| Net repayments |
17
|
20
|
34
|
38
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(106)
|
(104)
|
(223)
|
(179)
|
| Changes to risk, parameters, and models |
244
|
225
|
512
|
600
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(529)
|
(532)
|
(1,058)
|
(1,061)
|
| Recoveries |
118
|
97
|
227
|
190
|
| Foreign exchange and other adjustments |
1
|
(19)
|
(12)
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
448
|
449
|
448
|
449
|
| Total Allowance for Loan Losses at end of period |
448
|
449
|
448
|
449
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(9)
|
(11)
|
(19)
|
(22)
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(24)
|
(23)
|
(49)
|
(44)
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
278
|
292
|
560
|
539
|
| Stage 3 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
888
|
971
|
790
|
853
|
| Net remeasurement due to transfers into stage |
2
|
0
|
1
|
1
|
| Net repayments |
(42)
|
(76)
|
(144)
|
(86)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(186)
|
(46)
|
(288)
|
(122)
|
| Changes to risk, parameters, and models |
402
|
302
|
841
|
552
|
| Disposals |
(5)
|
0
|
(27)
|
(9)
|
| Write-offs |
(407)
|
(383)
|
(663)
|
(585)
|
| Recoveries |
13
|
23
|
33
|
39
|
| Foreign exchange and other adjustments |
(10)
|
(9)
|
(37)
|
(11)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
716
|
837
|
716
|
837
|
| Total Allowance for Loan Losses at end of period |
711
|
833
|
711
|
833
|
| Less: Total Allowance for off-balance sheet instruments |
5
|
4
|
5
|
4
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
(3)
|
0
|
(3)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(3)
|
(15)
|
(7)
|
(20)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
$ 64
|
$ 73
|
$ 217
|
$ 228
|