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Deposits (Tables)
 9 Months Ended
Jul. 31, 2025
Text Block [Abstract]  
Summary of Deposits and Components
$ millions, as at
                         
2025
Jul. 31
      2024
Oct. 31		  
 
   
 
Payable on
demand
 
 
(3)
 
  
 
 
Payable
after notice
 
 
(4)
 
   
 
Payable on a
fixed date
 
 
(5)(6)
 
  
 
Total
 
      Total  
Personal
   
$
14,933
 
  
$
142,631
 
   
$
98,571
 
  
$
256,135
 
    $ 252,894  
Business and government 
(7)
   
 
105,432
 
  
 
118,524
 
   
 
224,905
 
  
 
448,861
 
      435,499  
Bank
   
 
17,357
 
  
 
338
 
   
 
9,366
 
  
 
27,061
 
      20,009  
Secured borrowings 
(8)
   
 
–
 
  
 
–
 
   
 
60,615
 
  
 
60,615
 
      56,455  
 
   
$
  137,722
 
  
$
   261,493
 
   
$
    393,457
 
  
$
   792,672
 
    $   764,857  
Comprises:
             
Held at amortized cost
          
$
750,675
 
    $ 725,849  
Designated at fair value
   
 
 
 
  
 
 
 
   
 
 
 
  
 
41,997
 
      39,008  
 
   
 
 
 
  
 
 
 
   
 
 
 
  
$
792,672
 
    $ 764,857  
Total deposits include 
(9)
:
             
Non-interest-bearing deposits
             
Canada
          
$
88,037
 
    $ 84,460  
U.S.
          
 
12,670
 
      12,927  
Other international
          
 
5,954
 
      5,691  
Interest-bearing deposits
             
Canada
          
 
536,382
 
      526,186  
U.S.
          
 
109,383
 
      101,141  
Other international
   
 
 
 
  
 
 
 
   
 
 
 
  
 
40,246
 
      34,452  
 
   
 
 
 
  
 
 
 
   
 
 
 
  
$
792,672
 
    $ 764,857  
(1)
Includes deposits of $300.4 billion (October 31, 2024: $288.4 billion) denominated in U.S. dollars and deposits of $63.8 billion (October 31, 2024: $52.9 billion) denominated in other foreign currencies.
(2)
Net of purchased notes of $0.2 billion (October 31, 2024: $0.6 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 $65.7 billion (October 31, 2024: $61.1 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 $17.2 billion (October 31, 2024: $15.5 billion) of structured note liabilities that were sold upon issuance to third-party financial intermediaries, who may resell the notes to retail investors in foreign jurisdictions.
(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.