v3.26.1
Note 5 - Credit Assets, Net of Allowance for Credit Losses (Tables)
 6 Months Ended
Apr. 30, 2026
Statement Line Items [Line Items]  
Disclosure of loans, net [text block]

(thousands of Canadian dollars)

            
  

April 30

  

October 31

  

April 30

 
  

2026

  

2025

  

2025

 
             
             

Structured receivable program

 $4,679,121  $4,043,007  $3,548,931 

Multi-family residential loans and other

  979,093   1,007,232   958,249 
   5,658,214   5,050,239   4,507,180 
             

Allowance for credit losses

  (8,342)  (7,279)  (4,958)

Accrued interest

  26,007   23,418   21,590 
             

Total credit assets, net of allowance for credit losses

 $5,675,879  $5,066,378  $4,523,812 
Disclosure of loans by lending asset category [text block]
  

As at April 30, 2026

 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 

Structured receivable program

 $4,651,145  $20,891  $7,085  $4,679,121 

ECL allowance

  3,243   64   3,392   6,699 

EL %

  0.07%  0.31%  47.88%  0.14%

Multi-family residential loans and other

 $763,416  $207,816  $7,861  $979,093 

ECL allowance

  1,361   281   1   1,643 

EL %

  0.18%  0.14%  0.01%  0.17%

Total credit assets

 $5,414,561  $228,707  $14,946  $5,658,214 

Total ECL allowance

  4,604   345   3,393   8,342 

Total EL %

  0.09%  0.15%  22.70%  0.15%
  

As at October 31, 2025

 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 

Structured receivable program

 $4,017,931  $17,516  $7,560  $4,043,007 

ECL allowance

  3,187   72   2,172   5,431 

EL %

  0.08%  0.41%  28.73%  0.13%

Multi-family residential loans and other

 $854,692  $113,227  $39,313  $1,007,232 

ECL allowance

  1,493   354   1   1,848 

EL %

  0.17%  0.31%  0.00%  0.18%

Total credit assets

 $4,872,623  $130,743  $46,873  $5,050,239 

Total ECL allowance

  4,679   426   2,174   7,279 

Total EL %

  0.10%  0.33%  4.64%  0.14%
Disclosure of sensitivity analysis of fair value measurement to changes in unobservable inputs, assets [text block]

(thousands of Canadian dollars)

                
  

Reported

  

100%

  

100%

  

100%

 
  

ECL

  

Upside

  

Baseline

  

Downside

 

Allowance for expected credit losses

 $8,342  $7,819  $8,266  $8,926 

Provision (recovery) from reported ECL

      (523)  (75)  584 

Variance from reported ECL (%)

      (6%)  (1%)  7%
Disclosure of Reconciliation of changes in allowance account for credit losses of financial assets [text block]

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Structured receivable program

                

Balance at beginning of period

 $3,531  $75  $2,621  $6,227 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (288)  (11)  771   472 

Credit asset originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  (288)  (11)  771   472 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $3,243  $64  $3,392  $6,699 
                 

Multi-family residential loans and other

                

Balance at beginning of period

 $1,483  $206  $1  $1,689 

Transfer in (out) to Stage 1

  (67)  67   -   - 

Transfer in (out) to Stage 2

  65   (65)  -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  (238)  84   -   (154)

Credit asset originations

  130   -   -   130 

Derecognitions and maturities

  (9)  (11)  -   (20)

Provision for (recovery of) credit losses

  (119)  75   -   (44)

Write-offs

  (5)  -   -   (5)

Recoveries

  -   -   -   - 

FX Impact

  2   -   -   2 

Balance at end of period

 $1,361  $281  $1  $1,643 
                 

Total balance at end of period

 $4,604  $345  $3,393  $8,342 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Structured receivable program

                

Balance at beginning of period

 $1,911  $4  $56  $1,971 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  449   607   (27)  1,029 

Credit asset originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  449   607   (27)  1,029 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $2,360  $611  $29  $3,000 
                 

Multi-family residential loans and other

                

Balance at beginning of period

 $1,772  $488  $2  $2,262 

Transfer in (out) to Stage 1

  (200)  200   -   - 

Transfer in (out) to Stage 2

  155   (155)  -   - 

Transfer in (out) to Stage 3

  1   (43)  42   - 

Net remeasurement of loss allowance

  (165)  87   (43)  (121)

Credit asset originations

  -   -   -   - 

Derecognitions and maturities

  (3)  (16)  -   (19)

Provision for (recovery of) credit losses

  (212)  73   (1)  (140)

Write-offs

  (135)  -   -   (135)

Recoveries

  -   -   -   - 

FX Impact

  (25)  (4)  -   (29)

Balance at end of period

 $1,400  $557  $1  $1,958 
                 

Total balance at end of period

 $3,760  $1,168  $30  $4,958 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Structured receivable program

                

Balance at beginning of period

 $3,187  $72  $2,172  $5,431 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  56   (8)  1,220   1,268 

Credit asset originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  56   (8)  1,220   1,268 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $3,243  $64  $3,392  $6,699 
                 

Multi-family residential loans and other

                

Balance at beginning of period

 $1,493  $354  $2  $1,848 

Transfer in (out) to Stage 1

  (146)  146   -   - 

Transfer in (out) to Stage 2

  144   (144)  -   - 

Transfer in (out) to Stage 3

  1   -   (1)  - 

Net remeasurement of loss allowance

  (208)  34   -   (174)

Credit asset originations

  205   75   -   280 

Derecognitions and maturities

  (63)  (181)  -   (244)

Provision for (recovery of) credit losses

  (68)  (71)  (1)  (140)

Write-offs

  (56)  -   -   (56)

Recoveries

  -   -   -   - 

FX Impact

  (7)  (2)  -   (9)

Balance at end of period

 $1,361  $281  $1  $1,643 
                 

Total balance at end of period

 $4,604  $345  $3,393  $8,342 

(thousands of Canadian dollars)

 

Stage 1

  

Stage 2

  

Stage 3

  

Total

 
                 

Structured receivable program

                

Balance at beginning of period

 $783  $-  $-  $783 

Transfer in (out) to Stage 1

  -   -   -   - 

Transfer in (out) to Stage 2

  -   -   -   - 

Transfer in (out) to Stage 3

  -   -   -   - 

Net remeasurement of loss allowance

  1,577   611   29   2,217 

Credit asset originations

  -   -   -   - 

Derecognitions and maturities

  -   -   -   - 

Provision for (recovery of) credit losses

  1,577   611   29   2,217 

Write-offs

  -   -   -   - 

Recoveries

  -   -   -   - 

Balance at end of period

 $2,360  $611  $29  $3,000 
                 

Multi-family residential loans and other

                

Balance at beginning of period

 $2,213  $306  $1  $2,520 

Transfer in (out) to Stage 1

  (397)  397   -   - 

Transfer in (out) to Stage 2

  146   (146)  -   - 

Transfer in (out) to Stage 3

  -   (43)  43   - 

Net remeasurement of loss allowance

  (337)  95   (43)  (285)

Credit asset originations

  40   (29)  -   11 

Derecognitions and maturities

  (14)  (16)  -   (30)

Provision for (recovery of) credit losses

  (562)  258   -   (304)

Write-offs

  (259)  -   -   (259)

Recoveries

  -   -   -   - 

FX Impact

  8   (7)  -   1 

Balance at end of period

 $1,400  $557  $1  $1,958 
                 

Total balance at end of period

 $3,760  $1,168  $30  $4,958