v3.26.1
Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Details) - CAD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Jul. 31, 2026
Jul. 31, 2025
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period     $ 5,739  
Balance as at end of period $ 6,030   6,030  
Other assets        
Disclosure of credit risk exposure [line items]        
Total PCL 4 $ 2 0 $ (1)
Provision for credit losses (4) (2) 0 1
IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 6,030 5,786 6,030 5,786
IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 5,247 5,165 5,247 5,165
IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 783 621 783 621
Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 221 279 247 261
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 31 (53) 101 (8)
Loan originations 5 8 11 18
Derecognitions and maturities (7) (7) (21) (15)
Model changes 0 47 (52) 47
Total PCL 29 (5) 39 42
Write-offs (4) (2) (10) (7)
Recoveries of previous write-offs 1 2 6 6
Foreign exchange and other (17) (21) (52) (49)
Balance as at end of period 230 253 230 253
Provision for credit losses (29) 5 (39) (42)
Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 967 907 915 843
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 117 86 519 461
Loan originations 8 8 25 24
Derecognitions and maturities (16) (16) (44) (44)
Model changes 0 60 (9) 60
Total PCL 109 138 491 501
Write-offs (169) (181) (536) (519)
Recoveries of previous write-offs 42 43 116 115
Foreign exchange and other (6) (23) (43) (56)
Balance as at end of period 943 884 943 884
Provision for credit losses (109) (138) (491) (501)
Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 787 725 791 705
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 210 247 603 656
Loan originations 12 11 31 44
Derecognitions and maturities (13) (24) (42) (49)
Model changes 0 0 (4) 0
Total PCL 209 234 588 651
Write-offs (203) (234) (630) (687)
Recoveries of previous write-offs 49 55 135 164
Foreign exchange and other (17) (21) (59) (74)
Balance as at end of period 825 759 825 759
Provision for credit losses (209) (234) (588) (651)
Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 3,823 3,705 3,786 3,127
Transfer to Stage 1 0 0 0 0
Transfer to Stage 2 0 0 0 0
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance 416 494 791 1,837
Loan originations 107 73 264 219
Derecognitions and maturities (144) (135) (444) (387)
Model changes 0 0 478 0
Total PCL 379 432 1,089 1,669
Write-offs (307) (259) (887) (883)
Recoveries of previous write-offs 81 80 192 234
Foreign exchange and other 56 (68) (148) (257)
Balance as at end of period 4,032 3,890 4,032 3,890
Provision for credit losses (379) (432) (1,089) (1,669)
Stage 1 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,474 1,381 1,474 1,381
Stage 1 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,139 1,130 1,139 1,130
Stage 1 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 335 251 335 251
Stage 1 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 49 67 56 56
Transfer to Stage 1 8 36 92 118
Transfer to Stage 2 (2) (2) (9) (7)
Transfer to Stage 3 0 0 0 0
Net remeasurement of loss allowance (9) (52) (31) (126)
Loan originations 5 8 11 18
Derecognitions and maturities (3) (2) (6) (3)
Model changes 0 23 (64) 23
Total PCL (1) 11 (7) 23
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 0 1 (1) 0
Balance as at end of period 48 79 48 79
Provision for credit losses 1 (11) 7 (23)
Stage 1 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 204 183 200 197
Transfer to Stage 1 86 85 249 232
Transfer to Stage 2 (13) (14) (45) (42)
Transfer to Stage 3 (2) (1) (6) (5)
Net remeasurement of loss allowance (78) (90) (196) (225)
Loan originations 8 8 25 24
Derecognitions and maturities (5) (6) (13) (15)
Model changes 0 13 (11) 13
Total PCL (4) (5) 3 (18)
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 3 0 0 (1)
Balance as at end of period 203 178 203 178
Provision for credit losses 4 5 (3) 18
Stage 1 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 217 217 188 233
Transfer to Stage 1 68 61 271 185
Transfer to Stage 2 (16) (22) (51) (68)
Transfer to Stage 3 (2) (2) (5) (6)
Net remeasurement of loss allowance (41) (37) (186) (152)
Loan originations 12 11 31 44
Derecognitions and maturities (3) (4) (9) (10)
Model changes 0 0 (4) 0
Total PCL 18 7 47 (7)
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 (1) 1 (3)
Balance as at end of period 236 223 236 223
Provision for credit losses (18) (7) (47) 7
Stage 1 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 908 902 931 892
Transfer to Stage 1 111 154 435 406
Transfer to Stage 2 (35) (37) (193) (207)
Transfer to Stage 3 (2) (2) (5) (6)
Net remeasurement of loss allowance (104) (148) (363) (291)
Loan originations 107 73 264 219
Derecognitions and maturities (34) (39) (101) (107)
Model changes 0 0 10 0
Total PCL 43 1 47 14
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 36 (2) 9 (5)
Balance as at end of period 987 901 987 901
Provision for credit losses (43) (1) (47) (14)
Stage 2 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 3,288 3,302 3,288 3,302
Stage 2 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 2,898 2,980 2,898 2,980
Stage 2 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 390 322 390 322
Stage 2 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 150 194 179 186
Transfer to Stage 1 (8) (35) (91) (116)
Transfer to Stage 2 13 11 53 25
Transfer to Stage 3 (12) (16) (42) (34)
Net remeasurement of loss allowance 7 (9) 52 92
Loan originations 0 0 0 0
Derecognitions and maturities (4) (5) (15) (12)
Model changes 0 24 12 24
Total PCL (4) (30) (31) (21)
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 1 (1) 0
Balance as at end of period 147 165 147 165
Provision for credit losses 4 30 31 21
Stage 2 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 601 545 555 471
Transfer to Stage 1 (82) (79) (238) (216)
Transfer to Stage 2 23 28 76 81
Transfer to Stage 3 (50) (45) (144) (130)
Net remeasurement of loss allowance 99 55 364 319
Loan originations 0 0 0 0
Derecognitions and maturities (11) (10) (31) (29)
Model changes 0 47 2 47
Total PCL (21) (4) 29 72
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 4 0 0 (2)
Balance as at end of period 584 541 584 541
Provision for credit losses 21 4 (29) (72)
Stage 2 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 570 508 603 472
Transfer to Stage 1 (67) (61) (270) (185)
Transfer to Stage 2 16 22 52 68
Transfer to Stage 3 (136) (116) (383) (335)
Net remeasurement of loss allowance 215 203 620 567
Loan originations 0 0 0 0
Derecognitions and maturities (10) (20) (33) (39)
Model changes 0 0 0 0
Total PCL 18 28 (14) 76
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 1 0 0 (12)
Balance as at end of period 589 536 589 536
Provision for credit losses (18) (28) 14 (76)
Stage 2 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 1,938 2,022 1,997 1,698
Transfer to Stage 1 (107) (139) (423) (370)
Transfer to Stage 2 43 41 285 279
Transfer to Stage 3 (54) (71) (221) (291)
Net remeasurement of loss allowance 197 283 186 989
Loan originations 0 0 0 0
Derecognitions and maturities (110) (96) (343) (280)
Model changes 0 0 468 0
Total PCL (31) 18 (48) 327
Write-offs 0 0 0 0
Recoveries of previous write-offs 0 0 0 0
Foreign exchange and other 61 20 19 35
Balance as at end of period 1,968 2,060 1,968 2,060
Provision for credit losses 31 (18) 48 (327)
Stage 3 | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,268 1,103 1,268 1,103
Stage 3 | IFRS9 | Comprising: Loans        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 1,210 1,055 1,210 1,055
Stage 3 | IFRS9 | Other credit instruments        
Disclosure of credit risk exposure [line items]        
Balance as at end of period 58 48 58 48
Stage 3 | Loans: Residential mortgages | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 22 18 12 19
Transfer to Stage 1 0 (1) (1) (2)
Transfer to Stage 2 (11) (9) (44) (18)
Transfer to Stage 3 12 16 42 34
Net remeasurement of loss allowance 33 8 80 26
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 34 14 77 40
Write-offs (4) (2) (10) (7)
Recoveries of previous write-offs 1 2 6 6
Foreign exchange and other (18) (23) (50) (49)
Balance as at end of period 35 9 35 9
Provision for credit losses (34) (14) (77) (40)
Stage 3 | Loans: Consumer instalment and other personal | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 162 179 160 175
Transfer to Stage 1 (4) (6) (11) (16)
Transfer to Stage 2 (10) (14) (31) (39)
Transfer to Stage 3 52 46 150 135
Net remeasurement of loss allowance 96 121 351 367
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 134 147 459 447
Write-offs (169) (181) (536) (519)
Recoveries of previous write-offs 42 43 116 115
Foreign exchange and other (13) (23) (43) (53)
Balance as at end of period 156 165 156 165
Provision for credit losses (134) (147) (459) (447)
Stage 3 | Loans: Credit cards | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 0 0 0 0
Transfer to Stage 1 (1) 0 (1) 0
Transfer to Stage 2 0 0 (1) 0
Transfer to Stage 3 138 118 388 341
Net remeasurement of loss allowance 36 81 169 241
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 173 199 555 582
Write-offs (203) (234) (630) (687)
Recoveries of previous write-offs 49 55 135 164
Foreign exchange and other (19) (20) (60) (59)
Balance as at end of period 0 0 0 0
Provision for credit losses (173) (199) (555) (582)
Stage 3 | Loans: Business and government | IFRS9        
Disclosure of credit risk exposure [line items]        
Balance as at beginning of period 977 781 858 537
Transfer to Stage 1 (4) (15) (12) (36)
Transfer to Stage 2 (8) (4) (92) (72)
Transfer to Stage 3 56 73 226 297
Net remeasurement of loss allowance 323 359 968 1,139
Loan originations 0 0 0 0
Derecognitions and maturities 0 0 0 0
Model changes 0 0 0 0
Total PCL 367 413 1,090 1,328
Write-offs (307) (259) (887) (883)
Recoveries of previous write-offs 81 80 192 234
Foreign exchange and other (41) (86) (176) (287)
Balance as at end of period 1,077 929 1,077 929
Provision for credit losses $ (367) $ (413) $ (1,090) $ (1,328)