v3.26.1
Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($)
$ in Millions
 3 Months Ended 9 Months Ended
Jul. 31, 2026
Jul. 31, 2025
Jul. 31, 2026
Jul. 31, 2025
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     $ 7,639 $ 6,723
Provision for credit losses     3,466 [1] 3,615 [2]
Net write-offs     (2,844) (2,833)
Other, including foreign currency adjustment     (729) (134)
Provision for credit losses        
Balance at end of year $ 7,532 $ 7,371 7,532 7,371
Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     7,463 [3] 6,536
Provision for credit losses        
Balance at end of year 7,329 [4] 7,197 [5] 7,329 [4] 7,197 [5]
Allowance for credit losses on acceptances [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [6]     1 1
Provision for credit losses        
Balance at end of year [6] 1 1 1 1
Allowance for credit losses on off balance sheet exposures [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [7]     175 186
Provision for credit losses        
Balance at end of year [7] 202 173 202 173
Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,450 1,378 1,460 1,208
Provision for credit losses     189 [1] 270 [2]
Net write-offs     (99) (72)
Other, including foreign currency adjustment     (55) 24
Provision for credit losses        
Remeasurement [8] 56 66 191 270
Newly originated or purchased financial assets 11 11 32 36
Derecognition of financial assets and maturities (11) (12) (34) (29)
Changes in models and methodologies       (7)
Gross write-offs (45) (39) (117) (91)
Recoveries 7 7 18 19
Foreign exchange and other movements 27 19 (55) [9] 24 [9]
Balance at end of year 1,495 1,430 1,495 1,430
Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,460  
Provision for credit losses        
Balance at end of year 1,495 1,430 1,495 1,430
Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,254 2,379 2,432 2,319
Provision for credit losses     1,380 [1] 1,499 [2]
Net write-offs     (1,271) (1,353)
Other, including foreign currency adjustment     (269) (78)
Provision for credit losses        
Remeasurement [8] 391 383 1,271 1,412
Newly originated or purchased financial assets 87 94 262 288
Derecognition of financial assets and maturities (52) (57) (153) (176)
Changes in models and methodologies   (1)   (25)
Gross write-offs (504) (508) (1,488) (1,583)
Recoveries 74 85 217 230
Foreign exchange and other movements 22 12 (269) [9] (78) [9]
Balance at end of year 2,272 2,387 2,272 2,387
Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,432  
Provision for credit losses        
Balance at end of year 2,272 2,387 2,272 2,387
Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,166 1,235 1,355 1,160
Provision for credit losses     893 [1] 1,029 [2]
Net write-offs     (913) (942)
Other, including foreign currency adjustment     (178) 3
Provision for credit losses        
Remeasurement [8] 260 289 877 1,005
Newly originated or purchased financial assets 20 41 60 99
Derecognition of financial assets and maturities (12) (22) (44) (65)
Changes in models and methodologies   (1)   (10)
Gross write-offs (342) (368) (1,075) (1,106)
Recoveries 54 73 162 164
Foreign exchange and other movements 11 3 (178) [9] 3 [9]
Balance at end of year 1,157 1,250 1,157 1,250
Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,355  
Provision for credit losses        
Balance at end of year 1,157 1,250 1,157 1,250
Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 4,870 4,992 5,247 4,687
Provision for credit losses        
Remeasurement [8] 707 738 2,339 2,687
Newly originated or purchased financial assets 118 146 354 423
Derecognition of financial assets and maturities (75) (91) (231) (270)
Changes in models and methodologies   (2)   (42)
Gross write-offs (891) (915) (2,680) (2,780)
Recoveries 135 165 397 413
Foreign exchange and other movements 60 34 (502) [9] (51) [9]
Balance at end of year 4,924 5,067 4,924 5,067
Business and government [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,392 2,036
Provision for credit losses     1,004 [1] 817 [2]
Net write-offs     (561) (466)
Other, including foreign currency adjustment     (227) (83)
Provision for credit losses        
Remeasurement [8] 193 232 943 810
Newly originated or purchased financial assets 410 308 1,091 983
Derecognition of financial assets and maturities (417) (294) (1,166) (977)
Changes in models and methodologies 131   131  
Gross write-offs (192) (210) (598) (513)
Recoveries 11 12 37 47
Foreign exchange and other movements 16 (12) (222) [9] (82) [9]
Balance at end of period including off-balance sheet exposures 2,607 2,303 2,607 2,303
Less: Allowance for credit losses on off-balance sheet exposures [7] (202) (173) (202) (173)
Balance at end of year 2,608 2,304 2,608 2,304
Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,455 2,267 2,391 2,035
Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 2,405 2,130 2,405 2,130
Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     2,216  
Provision for credit losses        
Balance at end of year 2,405 2,130 2,405 2,130
Stage 1 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     1,860  
Provision for credit losses        
Balance at end of year 1,783 [4] 1,757 [5] 1,783 [4] 1,757 [5]
Stage 1 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 190 178 196 165
Provision for credit losses        
Remeasurement [8] (51) (73) (178) (172)
Newly originated or purchased financial assets 11 11 32 36
Derecognition of financial assets and maturities (2) (2) (6) (6)
Changes in models and methodologies       (2)
Transfer to (from)stage 1 67 80 201 196
Transfer to (from)stage 2 (9) (10) (29) (33)
Foreign exchange and other movements 3 1 (7) [9] 1 [9]
Balance at end of year 209 185 209 185
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     196  
Provision for credit losses        
Balance at end of year 209 185 209 185
Stage 1 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 558 534 613 544
Provision for credit losses        
Remeasurement [8] (166) (136) (473) (464)
Newly originated or purchased financial assets 87 94 262 288
Derecognition of financial assets and maturities (25) (23) (68) (66)
Changes in models and methodologies   3   3
Transfer to (from)stage 1 152 146 445 457
Transfer to (from)stage 2 (36) (54) (116) (160)
Transfer to (from)stage 3 (1) (2) (3) (6)
Foreign exchange and other movements 9 2 (82) [9] (32) [9]
Balance at end of year 578 564 578 564
Stage 1 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     613  
Provision for credit losses        
Balance at end of year 578 564 578 564
Stage 1 [member] | Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 250 292 338 288
Provision for credit losses        
Remeasurement [8] (50) (67) (189) (218)
Newly originated or purchased financial assets 20 41 60 99
Derecognition of financial assets and maturities (7) (10) (24) (33)
Changes in models and methodologies   2    
Transfer to (from)stage 1 69 86 223 269
Transfer to (from)stage 2 (24) (39) (71) (96)
Foreign exchange and other movements 5 4 (74) [9]  
Balance at end of year 263 309 263 309
Stage 1 [member] | Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     338  
Provision for credit losses        
Balance at end of year 263 309 263 309
Stage 1 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 998 1,004 1,147 997
Provision for credit losses        
Remeasurement [8] (267) (276) (840) (854)
Newly originated or purchased financial assets 118 146 354 423
Derecognition of financial assets and maturities (34) (35) (98) (105)
Changes in models and methodologies   5   1
Transfer to (from)stage 1 288 312 869 922
Transfer to (from)stage 2 (69) (103) (216) (289)
Transfer to (from)stage 3 (1) (2) (3) (6)
Foreign exchange and other movements 17 7 (163) [9] (31) [9]
Balance at end of year 1,050 1,058 1,050 1,058
Stage 1 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] (126) (50) (205) (52)
Newly originated or purchased financial assets 410 308 1,091 983
Derecognition of financial assets and maturities (347) (245) (937) (856)
Changes in models and methodologies 82   82  
Transfer to (from)stage 1 37 29 91 92
Transfer to (from)stage 2 (16) (21) (46) (59)
Transfer to (from)stage 3   (1)   (3)
Foreign exchange and other movements 14 5 (47) [9] 1 [9]
Balance at end of period including off-balance sheet exposures 883 845 883 845
Less: Allowance for credit losses on off-balance sheet exposures [7] (150) (146) (150) (146)
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 829 820 854 739
Stage 1 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 733 699 733 699
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     713  
Provision for credit losses        
Balance at end of year 733 699 733 699
Stage 2 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     3,262  
Provision for credit losses        
Balance at end of year 3,048 [4] 3,206 [5] 3,048 [4] 3,206 [5]
Stage 2 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 419 452 424 398
Provision for credit losses        
Remeasurement [8] 57 21 145 123
Derecognition of financial assets and maturities (9) (10) (28) (23)
Changes in models and methodologies       (14)
Transfer to (from)stage 1 (61) (64) (178) (156)
Transfer to (from)stage 2 52 69 180 189
Transfer to (from)stage 3 (25) (26) (75) (75)
Foreign exchange and other movements 3 5 (32) [9] 5 [9]
Balance at end of year 436 447 436 447
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     424  
Provision for credit losses        
Balance at end of year 436 447 436 447
Stage 2 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,130 1,228 1,215 1,154
Provision for credit losses        
Remeasurement [8] 225 201 687 797
Derecognition of financial assets and maturities (27) (34) (85) (110)
Changes in models and methodologies   (4)   (33)
Transfer to (from)stage 1 (148) (142) (435) (445)
Transfer to (from)stage 2 65 87 201 249
Transfer to (from)stage 3 (111) (115) (335) (361)
Foreign exchange and other movements 4 2 (110) [9] (28) [9]
Balance at end of year 1,138 1,223 1,138 1,223
Stage 2 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,215  
Provision for credit losses        
Balance at end of year 1,138 1,223 1,138 1,223
Stage 2 [member] | Credit cards [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 916 943 1,017 872
Provision for credit losses        
Remeasurement [8] 123 168 466 571
Derecognition of financial assets and maturities (5) (12) (20) (32)
Changes in models and methodologies   (3)   (10)
Transfer to (from)stage 1 (69) (86) (223) (269)
Transfer to (from)stage 2 24 39 71 96
Transfer to (from)stage 3 (101) (102) (312) (284)
Foreign exchange and other movements 6 (6) (105) [9] (3) [9]
Balance at end of year 894 941 894 941
Stage 2 [member] | Credit cards [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     1,017  
Provision for credit losses        
Balance at end of year 894 941 894 941
Stage 2 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 2,465 2,623 2,656 2,424
Provision for credit losses        
Remeasurement [8] 405 390 1,298 1,491
Derecognition of financial assets and maturities (41) (56) (133) (165)
Changes in models and methodologies   (7)   (57)
Transfer to (from)stage 1 (278) (292) (836) (870)
Transfer to (from)stage 2 141 195 452 534
Transfer to (from)stage 3 (237) (243) (722) (720)
Foreign exchange and other movements 13 1 (247) [9] (26) [9]
Balance at end of year 2,468 2,611 2,468 2,611
Stage 2 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] 22 69 248 259
Derecognition of financial assets and maturities (58) (40) (209) (93)
Changes in models and methodologies 49   49  
Transfer to (from)stage 1 (37) (29) (91) (92)
Transfer to (from)stage 2 16 21 46 62
Transfer to (from)stage 3 (8) (13) (33) (23)
Foreign exchange and other movements 10 3 (31) [9] 1 [9]
Balance at end of period including off-balance sheet exposures 619 622 619 622
Less: Allowance for credit losses on off-balance sheet exposures [7] (39) (27) (39) (27)
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 625 611 640 508
Stage 2 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 580 595 580 595
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     606  
Provision for credit losses        
Balance at end of year 580 595 580 595
Stage 3 [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year [3]     2,341  
Provision for credit losses        
Balance at end of year 2,498 [4] 2,234 [5] 2,498 [4] 2,234 [5]
Stage 3 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 841 748 840 645
Provision for credit losses        
Remeasurement [8] 50 118 224 319
Changes in models and methodologies       9
Transfer to (from)stage 1 (6) (16) (23) (40)
Transfer to (from)stage 2 (43) (59) (151) (156)
Transfer to (from)stage 3 25 26 75 75
Gross write-offs (45) (39) (117) (91)
Recoveries 7 7 18 19
Foreign exchange and other movements 21 13 (16) [9] 18 [9]
Balance at end of year 850 798 850 798
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     840  
Provision for credit losses        
Balance at end of year 850 798 850 798
Stage 3 [member] | Personal loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 566 617 604 621
Provision for credit losses        
Remeasurement [8] 332 318 1,057 1,079
Changes in models and methodologies       5
Transfer to (from)stage 1 (4) (4) (10) (12)
Transfer to (from)stage 2 (29) (33) (85) (89)
Transfer to (from)stage 3 112 117 338 367
Gross write-offs (504) (508) (1,488) (1,583)
Recoveries 74 85 217 230
Foreign exchange and other movements 9 8 (77) [9] (18) [9]
Balance at end of year 556 600 556 600
Stage 3 [member] | Personal loans [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     604  
Provision for credit losses        
Balance at end of year 556 600 556 600
Stage 3 [member] | Credit cards [member]        
Provision for credit losses        
Remeasurement [8] 187 188 600 652
Transfer to (from)stage 3 101 102 312 284
Gross write-offs (342) (368) (1,075) (1,106)
Recoveries 54 73 162 164
Foreign exchange and other movements   5 1 [9] 6 [9]
Stage 3 [member] | Total retail loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,407 1,365 1,444 1,266
Provision for credit losses        
Remeasurement [8] 569 624 1,881 2,050
Changes in models and methodologies       14
Transfer to (from)stage 1 (10) (20) (33) (52)
Transfer to (from)stage 2 (72) (92) (236) (245)
Transfer to (from)stage 3 238 245 725 726
Gross write-offs (891) (915) (2,680) (2,780)
Recoveries 135 165 397 413
Foreign exchange and other movements 30 26 (92) [9] 6 [9]
Balance at end of year 1,406 1,398 1,406 1,398
Stage 3 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement [8] 297 213 900 603
Derecognition of financial assets and maturities (12) (9) (20) (28)
Transfer to (from)stage 2       (3)
Transfer to (from)stage 3 8 14 33 26
Gross write-offs (192) (210) (598) (513)
Recoveries 11 12 37 47
Foreign exchange and other movements (8) (20) (144) [9] (84) [9]
Balance at end of period including off-balance sheet exposures 1,105 836 1,105 836
Less: Allowance for credit losses on off-balance sheet exposures [7] (13)   (13)  
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year 1,001 836 897 788
Stage 3 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of year [7] 1,092 836 1,092 836
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of the year     897  
Provision for credit losses        
Balance at end of year $ 1,092 $ 836 $ 1,092 $ 836
[1] Excludes amounts associated with other assets of $6. The provision for credit losses, net of these amounts, is $3,472.
[2] Excludes amounts associated with other assets and reversal of impairment losses of $(14). The provision for credit losses, net of these amounts, is $3,601.
[3] Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[4] Excludes allowance for credit losses of $222 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[5] Excludes allowance for credit losses of $189 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[6] Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
[7] Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
[8] Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.
[9] Includes impact of divested operations.