v3.26.1
Deposits (Tables)
 9 Months Ended
Jul. 31, 2026
Text Block [Abstract]  
Summary of Deposits
     As at  
    
July 31, 2026
     April 30
2026		     October 31
2025		  
   
Payable on demand
(1)
    
Payable
after
notice
(2)
                          
($ millions)
  
Interest-
bearing
    
Non-interest-

bearing
    
Payable on a
fixed date
(3)
    
Total
     Total     Total  
Personal
  
$
38,623
 
  
$
11,573
 
  
$
124,262
 
  
$
123,612
 
  
$
298,070
 
   $  295,240     $  301,718  
Business and government
  
 
202,923
 
  
 
35,007
 
  
 
72,044
 
  
 
358,688
 
  
 
668,662
 
     644,305       627,667  
Financial institutions
  
 
8,907
 
  
 
1,549
 
  
 
2,623
 
  
 
26,204
 
  
 
39,283
 
     41,944       36,894  
   
$
250,453
 
  
$
48,129
 
  
$
198,929
 
  
$
508,504
 
  
$
1,006,015
 
   $ 981,489     $ 966,279  
Recorded in:
              
Canada
  
$
171,617
 
  
$
25,084
 
  
$
186,812
 
  
$
338,432
 
  
$
721,945
 
   $ 701,998     $ 692,600  
United States
  
 
43,595
 
  
 
776
 
  
 
1,405
 
  
 
70,917
 
  
 
116,693
 
     113,529       101,495  
United Kingdom
  
 
–
 
  
 
–
 
  
 
525
 
  
 
40,830
 
  
 
41,355
 
     41,184       34,046  
Mexico
  
 
14,544
 
  
 
8,477
 
  
 
–
 
  
 
18,716
 
  
 
41,737
 
     39,520       39,091  
Peru
  
 
12,672
 
  
 
90
 
  
 
1,119
 
  
 
6,820
 
  
 
20,701
 
     20,945       19,917  
Chile
  
 
1,695
 
  
 
5,606
 
  
 
144
 
  
 
17,370
 
  
 
24,815
 
     24,054       23,135  
Colombia
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
     –       10,408  
Other International
  
 
6,330
 
  
 
8,096
 
  
 
8,924
 
  
 
15,419
 
  
 
38,769
 
     40,259       45,587  
Total
(4)
  
$
250,453
 
  
$
48,129
 
  
$
198,929
 
  
$
508,504
 
  
$
1,006,015
 
   $ 981,489     $ 966,279  
  (1)
Deposits payable on demand include all deposits for which the Bank may not have the right to notice of withdrawal, generally chequing accounts.
  (2)
Deposits payable after notice include all deposits for which the Bank may require notice of withdrawal, generally savings accounts.
  (3)
All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.
  (4)
Deposits denominated in U.S. dollars amount to $329,956 (April 30, 2026 – $317,453 ; October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $21,091 (April 30, 2026 – $20,300; October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $38,592 (April 30, 2026 – $36,731; October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,620 (April 30, 2026 – $109,608; October 31, 2025 – $117,530).
Summary of Maturity Schedule for Term Deposits
The following table presents the maturity schedule for term deposits in Canada greater than $100,000
(1)
.
 
($ millions)
    Within
three months		      Three to
six months		      Six to
twelve months		      One to five
years		      Over
five years		      Total  
As at July 31, 2026
   
$
53,271
 
   
$
36,903
 
   
$
67,336
 
   
$
110,107
 
   
$
20,569
 
   
$
288,186
 
As at April 30, 2026
    $ 50,686      $ 35,285      $ 68,997      $ 105,503      $ 20,322      $ 280,793  
As at October 31, 2025
    $  54,287      $  37,607      $  57,519      $  109,573      $  15,165      $  274,151  
  (1)
The majority of foreign term deposits are in excess of $100,000.