Loans, Impaired Loans, and Allowance for Credit Losses (Summary of Allowance for Loan Losses) (Details) - CAD ($)
$ in Millions |
3 Months Ended |
9 Months Ended |
Jul. 31, 2026 |
Jul. 31, 2025 |
Jul. 31, 2026 |
Jul. 31, 2025 |
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
$ 8,689
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
$ 9,554
|
$ 9,701
|
9,554
|
$ 9,701
|
| Total Allowance for Loan Losses at end of period |
8,508
|
8,682
|
8,508
|
8,682
|
| Less: Total Allowance for off-balance sheet instruments |
1,046
|
1,019
|
1,046
|
1,019
|
| Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
420
|
348
|
357
|
365
|
| Net remeasurement due to transfers into stage |
(4)
|
(3)
|
(6)
|
(7)
|
| New originations or purchases |
10
|
7
|
21
|
19
|
| Net repayments |
(2)
|
(2)
|
(6)
|
(6)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(25)
|
(16)
|
(55)
|
(48)
|
| Changes to risk, parameters, and models |
33
|
15
|
127
|
28
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(4)
|
(5)
|
(11)
|
(7)
|
| Recoveries |
0
|
0
|
3
|
1
|
| Foreign exchange and other adjustments |
2
|
1
|
0
|
0
|
| Total Allowance for Loan Losses at end of period |
430
|
345
|
430
|
345
|
| Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
2,215
|
2,221
|
2,273
|
2,133
|
| Balance at beginning of period |
|
|
2,193
|
|
| Net remeasurement due to transfers into stage |
(56)
|
(22)
|
(74)
|
(13)
|
| New originations or purchases |
104
|
91
|
277
|
251
|
| Net repayments |
(66)
|
(55)
|
(175)
|
(159)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(64)
|
(67)
|
(188)
|
(186)
|
| Changes to risk, parameters, and models |
389
|
333
|
1,095
|
1,123
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(425)
|
(385)
|
(1,247)
|
(1,196)
|
| Recoveries |
83
|
92
|
244
|
262
|
| Foreign exchange and other adjustments |
26
|
3
|
1
|
(4)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,206
|
2,211
|
2,206
|
2,211
|
| Total Allowance for Loan Losses at end of period |
2,134
|
2,132
|
2,134
|
2,132
|
| Less: Total Allowance for off-balance sheet instruments |
72
|
79
|
72
|
79
|
| Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
2,783
|
2,716
|
2,790
|
2,699
|
| Balance at beginning of period |
|
|
2,292
|
|
| Net remeasurement due to transfers into stage |
9
|
27
|
65
|
(35)
|
| New originations or purchases |
40
|
39
|
136
|
113
|
| Net repayments |
18
|
5
|
57
|
52
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(152)
|
(105)
|
(454)
|
(363)
|
| Changes to risk, parameters, and models |
510
|
435
|
1,500
|
1,535
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(540)
|
(497)
|
(1,598)
|
(1,558)
|
| Recoveries |
104
|
103
|
331
|
293
|
| Foreign exchange and other adjustments |
56
|
5
|
1
|
(8)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
2,828
|
2,728
|
2,828
|
2,728
|
| Total Allowance for Loan Losses at end of period |
2,315
|
2,232
|
2,315
|
2,232
|
| Less: Total Allowance for off-balance sheet instruments |
513
|
496
|
513
|
496
|
| Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
4,031
|
4,299
|
4,321
|
3,940
|
| Net remeasurement due to transfers into stage |
17
|
12
|
38
|
70
|
| New originations or purchases |
421
|
438
|
1,216
|
1,052
|
| Net repayments |
(27)
|
(26)
|
(241)
|
(121)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(555)
|
(652)
|
(1,764)
|
(1,498)
|
| Changes to risk, parameters, and models |
318
|
518
|
1,388
|
1,717
|
| Disposals |
0
|
(13)
|
(27)
|
(22)
|
| Write-offs |
(221)
|
(158)
|
(884)
|
(743)
|
| Recoveries |
34
|
17
|
67
|
56
|
| Foreign exchange and other adjustments |
72
|
(18)
|
(24)
|
(34)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
4,090
|
4,417
|
4,090
|
4,417
|
| Total Allowance for Loan Losses at end of period |
3,629
|
3,973
|
3,629
|
3,973
|
| Less: Total Allowance for off-balance sheet instruments |
461
|
444
|
461
|
444
|
| Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Stage 1 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
2,739
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
3,333
|
3,181
|
3,333
|
3,181
|
| Total Allowance for Loan Losses at end of period |
2,862
|
2,732
|
2,862
|
2,732
|
| Less: Total Allowance for off-balance sheet instruments |
471
|
449
|
471
|
449
|
| Stage 1 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
101
|
106
|
102
|
116
|
| Net remeasurement due to transfers into stage |
(8)
|
(7)
|
(19)
|
(19)
|
| New originations or purchases |
10
|
7
|
21
|
19
|
| Net repayments |
(1)
|
(1)
|
(3)
|
(3)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(2)
|
(3)
|
(4)
|
(12)
|
| Changes to risk, parameters, and models |
(15)
|
(22)
|
(37)
|
(65)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
0
|
0
|
(1)
|
0
|
| Total Allowance for Loan Losses at end of period |
99
|
101
|
99
|
101
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
33
|
28
|
80
|
85
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(19)
|
(7)
|
(40)
|
(20)
|
| Stage 1 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
0
|
0
|
0
|
| Stage 1 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
720
|
673
|
724
|
696
|
| Balance at beginning of period |
|
|
699
|
|
| Net remeasurement due to transfers into stage |
(123)
|
(91)
|
(289)
|
(234)
|
| New originations or purchases |
104
|
91
|
277
|
251
|
| Net repayments |
(31)
|
(23)
|
(77)
|
(65)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(24)
|
(22)
|
(69)
|
(64)
|
| Changes to risk, parameters, and models |
(87)
|
(79)
|
(255)
|
(227)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
10
|
2
|
1
|
(1)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
770
|
708
|
770
|
708
|
| Total Allowance for Loan Losses at end of period |
746
|
683
|
746
|
683
|
| Less: Total Allowance for off-balance sheet instruments |
24
|
25
|
24
|
25
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
259
|
213
|
647
|
537
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(55)
|
(54)
|
(180)
|
(178)
|
| Stage 1 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(3)
|
(2)
|
(9)
|
(7)
|
| Stage 1 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
941
|
953
|
944
|
947
|
| Balance at beginning of period |
|
|
743
|
|
| Net remeasurement due to transfers into stage |
(115)
|
(98)
|
(325)
|
(398)
|
| New originations or purchases |
40
|
39
|
136
|
113
|
| Net repayments |
4
|
(13)
|
9
|
(7)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(15)
|
(13)
|
(38)
|
(49)
|
| Changes to risk, parameters, and models |
(121)
|
(125)
|
(306)
|
(400)
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
20
|
1
|
0
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
960
|
929
|
960
|
929
|
| Total Allowance for Loan Losses at end of period |
753
|
728
|
753
|
728
|
| Less: Total Allowance for off-balance sheet instruments |
207
|
201
|
207
|
201
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
289
|
280
|
822
|
1,000
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(77)
|
(88)
|
(260)
|
(256)
|
| Stage 1 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(6)
|
(7)
|
(22)
|
(18)
|
| Stage 1 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,446
|
1,328
|
1,439
|
1,150
|
| Net remeasurement due to transfers into stage |
(28)
|
(29)
|
(87)
|
(75)
|
| New originations or purchases |
421
|
438
|
1,216
|
1,052
|
| Net repayments |
11
|
2
|
18
|
17
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(226)
|
(217)
|
(698)
|
(546)
|
| Changes to risk, parameters, and models |
(83)
|
(4)
|
(218)
|
82
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
26
|
7
|
10
|
9
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,504
|
1,443
|
1,504
|
1,443
|
| Total Allowance for Loan Losses at end of period |
1,264
|
1,220
|
1,264
|
1,220
|
| Less: Total Allowance for off-balance sheet instruments |
240
|
223
|
240
|
223
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
111
|
123
|
285
|
277
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(172)
|
(203)
|
(455)
|
(517)
|
| Stage 1 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(2)
|
(6)
|
(6)
|
| Stage 2 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
4,362
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
4,773
|
4,849
|
4,773
|
4,849
|
| Total Allowance for Loan Losses at end of period |
4,203
|
4,288
|
4,203
|
4,288
|
| Less: Total Allowance for off-balance sheet instruments |
570
|
561
|
570
|
561
|
| Stage 2 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
223
|
174
|
175
|
189
|
| Net remeasurement due to transfers into stage |
4
|
4
|
13
|
12
|
| Net repayments |
(1)
|
(1)
|
(3)
|
(3)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(12)
|
(5)
|
(22)
|
(15)
|
| Changes to risk, parameters, and models |
31
|
24
|
110
|
58
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
1
|
0
|
1
|
0
|
| Total Allowance for Loan Losses at end of period |
226
|
171
|
226
|
171
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(31)
|
(27)
|
(75)
|
(81)
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
27
|
15
|
63
|
43
|
| Stage 2 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(16)
|
(13)
|
(36)
|
(32)
|
| Stage 2 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,220
|
1,270
|
1,275
|
1,175
|
| Balance at beginning of period |
|
|
1,220
|
|
| Net remeasurement due to transfers into stage |
64
|
67
|
206
|
215
|
| Net repayments |
(26)
|
(27)
|
(80)
|
(81)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(29)
|
(29)
|
(84)
|
(86)
|
| Changes to risk, parameters, and models |
189
|
165
|
489
|
525
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
13
|
1
|
0
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,174
|
1,241
|
1,174
|
1,241
|
| Total Allowance for Loan Losses at end of period |
1,126
|
1,187
|
1,126
|
1,187
|
| Less: Total Allowance for off-balance sheet instruments |
48
|
54
|
48
|
54
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(258)
|
(212)
|
(643)
|
(533)
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
76
|
77
|
243
|
249
|
| Stage 2 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(75)
|
(71)
|
(232)
|
(220)
|
| Stage 2 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,394
|
1,314
|
1,386
|
1,374
|
| Balance at beginning of period |
|
|
1,089
|
|
| Net remeasurement due to transfers into stage |
117
|
118
|
367
|
343
|
| Net repayments |
(1)
|
2
|
(1)
|
5
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(27)
|
(31)
|
(83)
|
(74)
|
| Changes to risk, parameters, and models |
341
|
345
|
1,004
|
1,120
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
24
|
4
|
1
|
(2)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,430
|
1,356
|
1,430
|
1,356
|
| Total Allowance for Loan Losses at end of period |
1,124
|
1,061
|
1,124
|
1,061
|
| Less: Total Allowance for off-balance sheet instruments |
306
|
295
|
306
|
295
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(280)
|
(269)
|
(794)
|
(967)
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
105
|
113
|
337
|
325
|
| Stage 2 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(243)
|
(240)
|
(787)
|
(768)
|
| Stage 2 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
1,869
|
2,134
|
2,092
|
1,937
|
| Net remeasurement due to transfers into stage |
44
|
42
|
123
|
145
|
| Net repayments |
(8)
|
2
|
(85)
|
(22)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(219)
|
(314)
|
(668)
|
(709)
|
| Changes to risk, parameters, and models |
188
|
311
|
552
|
872
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
0
|
0
|
0
|
0
|
| Recoveries |
0
|
0
|
0
|
0
|
| Foreign exchange and other adjustments |
45
|
(5)
|
2
|
(12)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,943
|
2,081
|
1,943
|
2,081
|
| Total Allowance for Loan Losses at end of period |
1,727
|
1,869
|
1,727
|
1,869
|
| Less: Total Allowance for off-balance sheet instruments |
216
|
212
|
216
|
212
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(111)
|
(122)
|
(285)
|
(273)
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
176
|
214
|
466
|
548
|
| Stage 2 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(41)
|
(181)
|
(254)
|
(405)
|
| Stage 3 [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
|
|
1,588
|
|
| Total Allowance, including off-balance sheet instruments, at end of period |
1,448
|
1,671
|
1,448
|
1,671
|
| Total Allowance for Loan Losses at end of period |
1,443
|
1,662
|
1,443
|
1,662
|
| Less: Total Allowance for off-balance sheet instruments |
5
|
9
|
5
|
9
|
| Stage 3 [member] | Residential mortgages [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance at beginning of period |
96
|
68
|
80
|
60
|
| Net remeasurement due to transfers into stage |
0
|
0
|
0
|
0
|
| Net repayments |
0
|
0
|
0
|
0
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(11)
|
(8)
|
(29)
|
(21)
|
| Changes to risk, parameters, and models |
17
|
13
|
54
|
35
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(4)
|
(5)
|
(11)
|
(7)
|
| Recoveries |
0
|
0
|
3
|
1
|
| Foreign exchange and other adjustments |
1
|
1
|
0
|
0
|
| Total Allowance for Loan Losses at end of period |
105
|
73
|
105
|
73
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(2)
|
(1)
|
(5)
|
(4)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(8)
|
(8)
|
(23)
|
(23)
|
| Stage 3 [member] | Residential mortgages [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
16
|
13
|
36
|
32
|
| Stage 3 [member] | Consumer instalment and other personal [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
275
|
278
|
274
|
262
|
| Balance at beginning of period |
|
|
274
|
|
| Net remeasurement due to transfers into stage |
3
|
2
|
9
|
6
|
| Net repayments |
(9)
|
(5)
|
(18)
|
(13)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(11)
|
(16)
|
(35)
|
(36)
|
| Changes to risk, parameters, and models |
287
|
247
|
861
|
825
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(425)
|
(385)
|
(1,247)
|
(1,196)
|
| Recoveries |
83
|
92
|
244
|
262
|
| Foreign exchange and other adjustments |
3
|
0
|
0
|
0
|
| Total Allowance, including off-balance sheet instruments, at end of period |
262
|
262
|
262
|
262
|
| Total Allowance for Loan Losses at end of period |
262
|
262
|
262
|
262
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(1)
|
(1)
|
(4)
|
(4)
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(21)
|
(23)
|
(63)
|
(71)
|
| Stage 3 [member] | Consumer instalment and other personal [Member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
78
|
73
|
241
|
227
|
| Stage 3 [member] | Credit card [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
448
|
449
|
460
|
378
|
| Balance at beginning of period |
|
|
460
|
|
| Net remeasurement due to transfers into stage |
7
|
7
|
23
|
20
|
| Net repayments |
15
|
16
|
49
|
54
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(110)
|
(61)
|
(333)
|
(240)
|
| Changes to risk, parameters, and models |
290
|
215
|
802
|
815
|
| Disposals |
0
|
0
|
0
|
0
|
| Write-offs |
(540)
|
(497)
|
(1,598)
|
(1,558)
|
| Recoveries |
104
|
103
|
331
|
293
|
| Foreign exchange and other adjustments |
12
|
0
|
0
|
(3)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
438
|
443
|
438
|
443
|
| Total Allowance for Loan Losses at end of period |
438
|
443
|
438
|
443
|
| Less: Total Allowance for off-balance sheet instruments |
0
|
0
|
0
|
0
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(9)
|
(11)
|
(28)
|
(33)
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(28)
|
(25)
|
(77)
|
(69)
|
| Stage 3 [member] | Credit card [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
249
|
247
|
809
|
786
|
| Stage 3 [member] | Businesses and government [member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Balance, including off-balance sheet instruments, at beginning of period |
716
|
837
|
790
|
853
|
| Net remeasurement due to transfers into stage |
1
|
(1)
|
2
|
0
|
| Net repayments |
(30)
|
(30)
|
(174)
|
(116)
|
| Derecognition of financial assets (excluding disposals and write-offs) |
(110)
|
(121)
|
(398)
|
(243)
|
| Changes to risk, parameters, and models |
213
|
211
|
1,054
|
763
|
| Disposals |
0
|
(13)
|
(27)
|
(22)
|
| Write-offs |
(221)
|
(158)
|
(884)
|
(743)
|
| Recoveries |
34
|
17
|
67
|
56
|
| Foreign exchange and other adjustments |
1
|
(20)
|
(36)
|
(31)
|
| Total Allowance, including off-balance sheet instruments, at end of period |
643
|
893
|
643
|
893
|
| Total Allowance for Loan Losses at end of period |
638
|
884
|
638
|
884
|
| Less: Total Allowance for off-balance sheet instruments |
5
|
9
|
5
|
9
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage One [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
0
|
(1)
|
0
|
(4)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Two [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
(4)
|
(11)
|
(11)
|
(31)
|
| Stage 3 [member] | Businesses and government [member] | Transfer To Stage Three [Member] |
|
|
|
|
| IFRS Statement [Line Items] |
|
|
|
|
| Transfer to Stage |
$ 43
|
$ 183
|
$ 260
|
$ 411
|