Deposits	9 Months Ended
Jul. 31, 2026
Deposits [Abstract]
Deposits	NOTE 9: DEPOSITS Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which primarily include business and government chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal, which include both savings and chequing accounts. Term deposits are payable on a given date of maturity with terms ranging from one day to ten years and generally include fixed term deposits, guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in denominations of $100,000 or more as at July 31, 2026, was $ 553 billion (October 31, 2025 – $ 544 billion). Deposits (millions of Canadian dollars) As at July 31 October 31 By Type By Country 2026 2025 Demand Notice Term 1 Canada United States International Total Total Personal $ 28,004 $ 482,682 $ 134,487 $ 359,306 $ 285,867 $ – $ 645,173 $ 650,396 Banks 9,917 422 25,726 21,568 13,620 877 36,065 27,233 Business and government 2 157,838 204,232 217,416 421,657 156,929 900 579,486 589,475 195,759 687,336 377,629 802,531 456,416 1,777 1,260,724 1,267,104 Trading – – 43,486 28,725 7,144 7,617 43,486 37,882 Designated at fair value through profit or loss 3 – – 212,671 46,451 93,795 72,425 212,671 197,336 Total $ 195,759 $ 687,336 $ 633,786 $ 877,707 $ 557,355 $ 81,819 $ 1,516,881 $ 1,502,322 Non-interest-bearing deposits included above 4 Canada $ 62,467 $ 60,796 United States 74,350 73,364 International 43 1 Interest-bearing deposits included above 4 Canada 815,240 834,275 United States 5 483,005 468,328 International 81,776 65,558 Total 2,6 $ 1,516,881 $ 1,502,322 1 Includes $ 107.4 billion (October 31, 2025 – $ 104.3 billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares in the event that the Bank becomes non-viable. 2 Includes $ 62.4 billion relating to covered bondholders (October 31, 2025 – $ 70.6 billion). 3 Financial liabilities designated at FVTPL on the Interim Consolidated Balance Sheet also include $ 351 million (October 31, 2025 – $ 299 million) of loan commitments, financial guarantees and other liabilities designated at FVTPL. 4 The geographical splits of the deposits are based on the point of origin of the deposits. 5 Includes $ 11.2 billion (October 31, 2025 – $ 7.2 billion) of U.S. federal funds deposited and $ 13.3 billion (October 31, 2025 – $ 1.1 billion) of deposits and advances with the FHLB. 6 Includes deposits of $ 802.8 billion (October 31, 2025 – $ 807.7 billion) denominated in U.S. dollars and $ 126.3 billion (October 31, 2025 – $ 111.1 billion) denominated in other foreign currencies.

Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal, which

primarily include business and government

chequing accounts. Notice deposits are those for which the Bank can legally require notice prior to withdrawal,

which include both savings and chequing

accounts. Term

deposits are payable on a given date of maturity with terms ranging from one day to ten years and generally include fixed term deposits,

guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in

denominations of $100,000 or more as at

July 31, 2026, was $

553

billion (October 31, 2025 – $

544

billion).

Deposits

(millions of Canadian dollars)

As at

July 31

October 31

By Type

By Country

2026

2025

Demand

Notice

Term

Canada

United States

International

Total

Personal

28,004

482,682

134,487

359,306

285,867

–

645,173

650,396

Banks

9,917

422

25,726

21,568

13,620

877

36,065

27,233

Business and government

157,838

204,232

217,416

421,657

156,929

900

579,486

589,475

195,759

687,336

377,629

802,531

456,416

1,777

1,260,724

1,267,104

Trading

–

43,486

28,725

7,144

7,617

43,486

37,882

Designated at fair value through

profit or loss

–

212,671

46,451

93,795

72,425

212,671

197,336

Total

195,759

687,336

633,786

877,707

557,355

81,819

1,516,881

1,502,322

Non-interest-bearing deposits

included above

Canada

62,467

60,796

United States

74,350

73,364

International

Interest-bearing deposits

included above

Canada

815,240

834,275

United States

483,005

468,328

International

81,776

65,558

Total

2,6

1,516,881

1,502,322

Includes $

107.4

billion (October 31, 2025 – $

104.3

billion) of senior debt which is subject to the bank recapitalization “bail-in” regime. This regime provides

certain statutory powers to the

Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into

common shares in the event that the Bank becomes non-viable.

Includes $

62.4

billion relating to covered bondholders (October 31, 2025 – $

70.6

billion).

Financial liabilities designated at FVTPL on the Interim Consolidated Balance Sheet also include $

351

million (October 31, 2025 – $

299

million) of loan commitments, financial guarantees

and other liabilities designated at FVTPL.

The geographical splits of the deposits are based on the point of origin of the deposits.

Includes $

11.2

billion (October 31, 2025 – $

7.2

billion) of U.S. federal funds deposited and $

13.3

billion (October 31, 2025 – $

1.1

billion) of deposits and advances with the FHLB.

Includes deposits of $

802.8

billion (October 31, 2025 – $

807.7

billion) denominated in U.S. dollars and $

126.3

billion (October 31, 2025 – $

111.1

billion) denominated in other foreign

currencies.