v3.26.1
Note 15 - Capital Management (Tables)
6 Months Ended
Apr. 30, 2026
Statement Line Items [Line Items]  
Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)

        
  

April 30

  

October 31

 
  

2026

  

2025

 
         
         

Common Equity Tier 1 (CET1) capital

        

Directly issued qualifying common share capital

 $331,264  $325,910 

Contributed surplus

  980   2,473 

Retained earnings

  220,721   203,728 

Accumulated other comprehensive income (loss)

  (727)  562 

CET1 before regulatory adjustments

  552,238   532,673 

Regulatory adjustments applied to CET1

  (24,480)  (23,023)

Common Equity Tier 1 capital

 $527,758  $509,650 
         

Additional Tier 1 capital

        

Directly issued qualifying Additional Tier 1 instruments

 $-  $- 

Total Tier 1 capital

 $527,758  $509,650 
         

Tier 2 capital

        

Directly issued Tier 2 capital instruments

 $102,180  $105,135 

Tier 2 capital before regulatory adjustments

  102,180   105,135 

Eligible stage 1 and stage 2 allowance

  1,685   5,105 

Total Tier 2 capital

 $103,865  $110,240 

Total regulatory capital

 $631,623  $619,890 

Total risk-weighted assets

 $4,285,370  $3,943,657 

Capital ratios

        

CET1 capital ratio

  12.32%  12.92%

Tier 1 capital ratio

  12.32%  12.92%

Total capital ratio

  14.74%  15.72%

(thousands of Canadian dollars)

        
  

April 30

  

October 31

 
  

2026

  

2025

 
         
         

On-balance sheet assets

 $6,440,700  $5,808,475 

Assets amounts adjusted in determining the Basel III

        

Tier 1 capital

  (24,480)  (23,023)

Total on-balance sheet exposures

  6,416,220   5,785,452 
         

Replacement cost associated with all derivative transactions

 $7,216  $- 

Add-on amounts for PFE associated with all derivative transactions

  4,032   3,975 

Total derivative exposures

  11,248   3,975 
         

Total off-balance sheet exposure at gross notional amount

 $612,630  $635,854 

Adjustments for conversion to credit equivalent amount

  (392,992)  (410,571)

Total off-balance sheet exposures

  219,638   225,283 
         

Tier 1 capital

  527,758   509,650 

Total exposures

  6,647,106   6,014,710 
         

Leverage ratio

  7.94%  8.47%