Note 24 - Capital Management (Tables)

12 Months Ended

Oct. 31, 2023

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	2023			2022
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	214,824		$	225,982
Contributed surplus		2,513			1,612
Retained earnings		146,043			109,335
Accumulated other comprehensive income		131			99
CET1 before regulatory adjustments		363,511			337,028
Regulatory adjustments applied to CET1		(12,699	)		(11,371	)
Common Equity Tier 1 capital	$	350,812		$	325,657
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	13,647		$	13,647
Total Tier 1 capital	$	364,459		$	339,304
Tier 2 capital
Directly issued Tier 2 capital instruments	$	109,033		$	107,367
Tier 2 capital before regulatory adjustments		109,033			107,367
Eligible stage 1 and stage 2 allowance		2,513			1,904
Total Tier 2 capital	$	111,546		$	109,271
Total regulatory capital	$	476,005		$	448,575
Total risk-weighted assets	$	3,095,092		$	2,714,902
Capital ratios
CET1 capital ratio		11.33	%		12.00	%
Tier 1 capital ratio		11.78	%		12.50	%
Total capital ratio		15.38	%		16.52	%

(thousands of Canadian dollars)
	2023			2022
On-balance sheet assets	$	4,201,610		$	3,265,998
Asset amounts adjusted in determining the Basel III Tier 1 capital		(12,699	)		(11,371	)
Total on-balance sheet exposures		4,188,911			3,254,627
Total off-balance sheet exposure at gross notional amount	$	481,389		$	443,124
Adjustments for conversion to credit equivalent amount		(281,705	)		(251,101	)
Total off-balance sheet exposures		199,684			192,023
Tier 1 capital		364,459			339,304
Total exposures		4,388,595			3,446,650
Leverage ratio		8.30	%		9.84	%