Statement Line Items [Line Items]

Disclosure of loans by lending asset category [text block]

	As at January 31, 2022												As at October 31, 2021
(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total			Stage 1			Stage 2			Stage 3			Total
Commercial real estate mortgages	$	667,949		$	54,880		$	-		$	722,829		$	694,869		$	62,707		$	-		$	757,576
ECL allowance		949			96			-			1,045			980			134			-			1,114
EL %		0.14	%		0.17	%		0.00	%		0.14	%		0.14	%		0.21	%		0.00	%		0.15	%
Commercial real estate loans	$	14,600		$	-		$	-		$	14,600		$	26,569		$	-		$	-		$	26,569
ECL allowance		36			-			-			36			45			-			-			45
EL %		0.25	%		0.00	%		0.00	%		0.25	%		0.17	%		0.00	%		0.00	%		0.17	%
Point of sale loans and leases	$	1,437,391		$	2,390		$	-		$	1,439,781		$	1,277,011		$	2,565		$	-		$	1,279,576
ECL allowance		370			-			-			370			275			-			-			275
EL %		0.03	%		0.00	%		0.00	%		0.03	%		0.02	%		0.00	%		0.00	%		0.02	%
Public sector and other financing	$	31,168		$	79		$	-		$	31,247		$	32,507		$	80		$	-		$	32,587
ECL allowance		4			-			-			4			16			3			-			19
EL %		0.01	%		0.00	%		0.00	%		0.01	%		0.05	%		3.75	%		0.00	%		0.06	%
Loans	$	2,151,108		$	57,349		$	-		$	2,208,457		$	2,030,956		$	65,352		$	-		$	2,096,308
Total ECL allowance		1,359			96			-			1,455			1,316			137			-			1,453
Total EL %		0.06	%		0.17	%		0.00	%		0.07	%		0.06	%		0.21	%		0.00	%		0.07	%

Disclosure of Reconciliation of changes in allowance account for credit losses of financial assets [text block]


(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3		Total

Commercial real estate mortgages
Balance at beginning of period	$	980		$	134		$	-	$	1,114
Transfer in (out) to Stage 1		14			(14	)		-		-
Transfer in (out) to Stage 2		(4	)		4			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(28	)		(24	)		-		(52	)
Loan originations		80			-			-		80
Derecognitions and maturities		(93	)		(4	)		-		(97	)
Provision for (recovery of) credit losses		(31	)		(38	)		-		(69	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	949		$	96		$	-	$	1,045

Commercial real estate loans
Balance at beginning of period	$	45		$	-		$	-	$	45
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(9	)		-			-		(9	)
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(9	)		-			-		(9	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	36		$	-		$	-	$	36

Point of sale loans and leases
Balance at beginning of period	$	275		$	-		$	-	$	275
Transfer in (out) to Stage 1		38			(38	)		-		-
Transfer in (out) to Stage 2		(58	)		58			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		115			(20	)		-		95
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		95			-			-		95
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	370		$	-		$	-	$	370

Public sector and other financing
Balance at beginning of period	$	16		$	3		$	-	$	19
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(11	)		(3	)		-		(14	)
Loan originations		-			-			-		-
Derecognitions and maturities		(1	)		-			-		(1	)
Provision for (recovery of) credit losses		(12	)		(3	)		-		(15	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	4		$	-		$	-	$	4

Total balance at end of period	$	1,359		$	96		$	-	$	1,455


(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3		Total

Commercial real estate mortgages
Balance at beginning of period	$	1,174		$	192		$	-	$	1,366
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		(2	)		2			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		67			10			-		77
Loan originations		146			-			-		146
Derecognitions and maturities		(39	)		(37	)		-		(76	)
Provision for (recovery of) credit losses		172			(25	)		-		147
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	1,346		$	167		$	-	$	1,513

Commercial real estate loans
Balance at beginning of period	$	137		$	-		$	-	$	137
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(65	)		-			-		(65	)
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(65	)		-			-		(65	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	72		$	-		$	-	$	72

Point of sale loans and leases
Balance at beginning of period	$	215		$	-		$	-	$	215
Transfer in (out) to Stage 1		20			(20	)		-		-
Transfer in (out) to Stage 2		(44	)		44			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		16			(24	)		-		(8	)
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(8	)		-			-		(8	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	207		$	-		$	-	$	207

Public sector and other financing
Balance at beginning of period	$	57		$	-		$	-	$	57
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(17	)		-			-		(17	)
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(17	)		-			-		(17	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	40		$	-		$	-	$	40

Total balance at end of period	$	1,665		$	167		$	-	$	1,832