v3.26.1
Deposits (Tables)
 9 Months Ended
Jul. 31, 2026
Text Block [Abstract]  
Summary of Deposit Liabilities
         As at  
   
July 31, 2026
         October 31, 2025  
(Millions of Canadian dollars)  
Demand 
(1)		    
Notice 
(2)		    
Term
(3)		    
Total
          Demand (1)     Notice (2)     Term (3)     Total  
Personal
  
$
237,591
 
  
$
59,305
 
  
$
241,722
 
  
$
538,618
 
     $ 228,282     $ 56,988     $ 244,470     $ 529,740  
Business and government
  
 
448,856
 
  
 
22,615
 
  
 
555,448
 
  
 
1,026,919
 
       431,239       20,274       494,801       946,314  
Bank
  
 
13,231
 
  
 
–
 
  
 
65,805
 
  
 
79,036
 
         13,488       –       26,074       39,562  
   
$
699,678
 
  
$
81,920
 
  
$
862,975
 
  
$
1,644,573
 
       $ 673,009     $ 77,262     $ 765,345     $ 1,515,616  
Non-interest-bearing
(4)
                  
Canada
  
$
169,137
 
  
$
10,162
 
  
$
382
 
  
$
179,681
 
     $ 158,771     $ 9,469     $ 292     $ 168,532  
United States
  
 
37,962
 
  
 
–
 
  
 
–
 
  
 
37,962
 
       38,009       –       –       38,009  
Europe
(5)
  
 
4
 
  
 
–
 
  
 
–
 
  
 
4
 
       5       –       –       5  
Other International
  
 
8,673
 
  
 
–
 
  
 
–
 
  
 
8,673
 
       8,133       –       –       8,133  
Interest-bearing
(4)
                  
Canada
  
 
411,977
 
  
 
18,382
 
  
 
580,173
 
  
 
1,010,532
 
       392,120       16,417       591,636       1,000,173  
United States
  
 
59,153
 
  
 
52,563
 
  
 
122,228
 
  
 
233,944
 
       63,745       50,497       73,147       187,389  
Europe
(5)
  
 
6,587
 
  
 
667
 
  
 
120,921
 
  
 
128,175
 
       6,354       742       76,972       84,068  
Other International
  
 
6,185
 
  
 
146
 
  
 
39,271
 
  
 
45,602
 
         5,872       137       23,298       29,307  
   
$
 699,678
 
  
$
 81,920
 
  
$
 862,975
 
  
$
 1,644,573
 
       $  673,009     $  77,262     $  765,345     $  1,515,616  
 
(1)
Demand deposits are deposits for which we do not have the right to require notice of withdrawal, which include both savings and chequing accounts.
(2)
Notice deposits are deposits for which we can legally require notice of withdrawal. These deposits are primarily savings accounts.
(3)
Term deposits are deposits payable on a fixed date, and include term deposits, guaranteed investment certificates and similar instruments.
(4)
The geographical splits of the deposits are based on the point of origin of the deposits and where the revenue is recognized. As at July 31, 2026, deposits denominated in U.S. dollars, British pounds, Euro and other foreign currencies were $630 billion, $56 billion, $96 billion and $47 billion, respectively (October 31, 2025
– $570 billion, $42 billion, $76 billion and $36 billion, respectively).
(5)
Europe includes the United Kingdom and the Channel Islands.
Summary of Contractual Maturities of Term Deposit Liabilities
Contractual maturities of term deposits
(1)
 
     As at  
(Millions of Canadian dollars)
  
July 31
2026
    
October 31
2025
  
Within 1 year:
    
less than 3 months
  
$
253,197
 
   $ 203,075  
3 to 6 months
  
 
133,189
 
     118,734  
6 to 12 months
  
 
201,766
 
     172,583  
1 to 2 years
  
 
81,904
 
     87,550  
2 to 3 years
  
 
54,570
 
     58,170  
3 to 4 years
  
 
28,378
 
     33,158  
4 to 5 years
  
 
34,470
 
     24,047  
Over 5 years
  
 
75,501
 
     68,028  
   
$
862,975
 
   $ 765,345  
 
(1)   The aggregate amount of term deposits in denominations of one hundred thousand dollars or more is $810 billion (October 31, 2025 – $704 billion).