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Deposits (Tables)
 6 Months Ended
Apr. 30, 2021
Text block [abstract]  
Summary of Deposits and Components
$ millions, as at
                 
2021
Apr. 30
   2020
Oct. 31		 
    
Payable on
demand 
(3)
   
Payable
after notice 
(4)
   
Payable on a
fixed date 
(5)(6)
   
Total
   Total 
Personal
  
$
    15,493
 
  
$
    139,262
 
  
$
    52,273
 
  
$
207,028
 
  $202,152 
Business and government
 (7)
  
 
90,153
 
  
 
76,422
 
  
 
146,626
 
  
 
313,201
 
   311,426 
Bank
  
 
9,095
 
  
 
477
 
  
 
7,568
 
  
 
17,140
 
   17,011 
Secured borrowings
 (8)
  
 
–
 
  
 
–
 
  
 
39,194
 
  
 
39,194
 
   40,151 
   
$
114,741
 
  
$
216,161
 
  
$
245,661
 
  
$
576,563
 
  $570,740 
Comprised of:
                         
Held at amortized cost
                 
$
559,454
 
  $557,321 
Designated at fair value
                 
 
17,109
 
   13,419 
                  
$
576,563
 
  $570,740 
Total deposits include
 (9)
:
                         
Non-interest-bearing
deposits
                         
Canada
                 
$
80,976
 
  $71,122 
U.S.
                 
 
13,779
 
   13,833 
Other international
                 
 
5,098
 
   5,798 
Interest-bearing deposits
                         
Canada
                 
 
380,765
 
   389,439 
U.S.
                 
 
71,960
 
   66,399 
Other international
                 
 
23,985
 
   24,149 
                  
$
    576,563
 
  $    570,740 
(1)
Includes deposits of $195.6 billion (October 31, 2020: $185.2 billion) denominated in U.S. dollars and deposits of $30.9 billion (October 31, 2020: $30.2 billion) denominated in other foreign currencies.
(2)
Net of purchased notes of $3.7 billion (October 31, 2020: $3.1 billion).
(3)
Includes all deposits for which we do not have the right to require notice of withdrawal. These deposits are generally chequing accounts.
(4)
Includes all deposits for which we can legally require notice of withdrawal. These deposits are generally savings accounts.
(5)
Includes all deposits that mature on a specified date. These deposits are generally term deposits, guaranteed investment certificates, and similar instruments.
(6)
Includes $23.9 billion (October 31, 2020: $19.9 billion) of deposits which are subject to the bank recapitalization
(bail-in)
conversion regulations issued by the Department of Finance Canada. These regulations provide certain statutory powers to the Canada Deposit Insurance Corporation (CDIC), including the ability to convert specified eligible shares and liabilities of CIBC into common shares in the event that CIBC is determined to be
non-viable.
(7)
Includes $301 million (October 31, 2020: $303 million) of Notes issued to CIBC Capital Trust.
(8)
Comprises liabilities issued by, or as a result of, activities associated with the securitization of residential mortgages, covered bond programme, and consolidated securitization vehicles.
(9)
Classification is based on geographical location of the CIBC office.