Statement Line Items [Line Items]

Disclosure of loans by lending asset category [text block]

	As at October 31, 2024												As at October 31, 2023
(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total			Stage 1			Stage 2			Stage 3			Total
Point-of-sale loans and leases receivable purchase program	$	3,294,675		$	12,653		$	-		$	3,307,328		$	2,873,078		$	6,242		$	-		$	2,879,320
ECL allowance		783			-			-			783			100			-			-			100
EL %		0.02	%		0.00	%		0.00	%		0.02	%		0.00	%		0.00	%		0.00	%		0.00	%
Commercial real estate mortgages	$	607,858		$	171,833		$	-		$	779,691		$	717,755		$	155,993		$	15,321		$	889,069
ECL allowance		1,102			296			-			1,398			1,699			523			-			2,222
EL %		0.18	%		0.17	%		0.00	%		0.18	%		0.24	%		0.34	%		0.00	%		0.25	%
Commercial real estate loans	$	8,302		$	-		$	-		$	8,302		$	8,793		$	-		$	-		$	8,793
ECL allowance		44			-			-			44			42			-			-			42
EL %		0.53	%		0.00	%		0.00	%		0.53	%		0.48	%		0.00	%		0.00	%		0.48	%
Public sector, leases and other financing	$	120,965		$	1,288		$	68		$	122,321		$	49,293		$	5,761		$	-		$	55,054
ECL allowance		1,067			10			1			1,078			104			45			-			149
EL %		0.88	%		0.78	%		1.47	%		0.88	%		0.21	%		0.78	%		0.00	%		0.27	%
Total loans	$	4,031,800		$	185,774		$	68		$	4,217,642		$	3,648,919		$	167,996		$	15,321		$	3,832,236
Total ECL allowance		2,996			306			1			3,303			1,945			568			-			2,513
Total EL %		0.07	%		0.16	%		1.47	%		0.08	%		0.05	%		0.34	%		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

Point-of-sale loans and leases receivable purchase program
Balance at beginning of period	$	100		$	-		$	-	$	100
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		683			-			-		683
Loan originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		683			-			-		683
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	783		$	-		$	-	$	783

Commercial real estate mortgages
Balance at beginning of period	$	1,699		$	523		$	-	$	2,222
Transfer in (out) to Stage 1		457			(457	)		-		-
Transfer in (out) to Stage 2		(524	)		524			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(423	)		(217	)		-		(640	)
Loan originations		122			12			-		134
Derecognitions and maturities		(229	)		(89	)		-		(318	)
Provision for (recovery of) credit losses		(597	)		(227	)		-		(824	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	1,102		$	296		$	-	$	1,398

Commercial real estate loans
Balance at beginning of period	$	42		$	-		$	-	$	42
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		11			-			-		11
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		2			-			-		2
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	44		$	-		$	-	$	44

Public sector, leases and other financing
Balance at beginning of period	$	104		$	45		$	-	$	149
Transfer in (out) to Stage 1		27			(27	)		-		-
Transfer in (out) to Stage 2		(10	)		10			-		-
Transfer in (out) to Stage 3		(1	)		-			1		-
Net remeasurement of loss allowance		(124	)		(18	)		-		(142	)
Loan originations		13			-			-		13
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(95	)		(35	)		1		(129	)
Write-offs		(4	)		-			-		(4	)
Recoveries		-			-			-		-
Acquired Loans		1,032			-			-		1,032
FX Impact		30			-			-		30
Balance at end of period	$	1,067		$	10		$	1	$	1,078

Total balance at end of period	$	2,996		$	306		$	1	$	3,303

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

Point-of-sale loans and leases
Balance at beginning of period	$	545		$	-		$	-		$	545
Transfer in (out) to Stage 1		160			(160	)		-			-
Transfer in (out) to Stage 2		(340	)		340			-			-
Transfer in (out) to Stage 3		-			-			-			-
Net remeasurement of loss allowance		(265	)		(180	)		-			(445	)
Loan originations		-			-			-			-
Derecognitions and maturities		-			-			-			-
Provision for (recovery of) credit losses		(445	)		-			-			(445	)
Write-offs		-			-			-			-
Recoveries		-			-			-			-
Balance at end of period	$	100		$	-		$	-		$	100

Commercial real estate mortgages
Balance at beginning of period	$	1,150		$	137		$	-		$	1,287
Transfer in (out) to Stage 1		279			(279	)		-			-
Transfer in (out) to Stage 2		(581	)		581			-			-
Transfer in (out) to Stage 3		-			(13	)		13			-
Net remeasurement of loss allowance		668			113			(13	)		768
Loan originations		604			4			-			608
Derecognitions and maturities		(421	)		(20	)		-			(441	)
Provision for (recovery of) credit losses		549			386			-			935
Write-offs		-			-			-			-
Recoveries		-			-			-			-
Balance at end of period	$	1,699		$	523		$	-		$	2,222

Commercial real estate loans
Balance at beginning of period	$	54		$	-		$	-		$	54
Transfer in (out) to Stage 1		-			-			-			-
Transfer in (out) to Stage 2		-			-			-			-
Transfer in (out) to Stage 3		-			-			-			-
Net remeasurement of loss allowance		(6	)		-			-			(6	)
Loan originations		-			-			-			-
Derecognitions and maturities		(6	)		-			-			(6	)
Provision for (recovery of) credit losses		(12	)		-			-			(12	)
Write-offs		-			-			-			-
Recoveries		-			-			-			-
Balance at end of period	$	42		$	-		$	-		$	42

Public sector, leases and other financing
Balance at beginning of period	$	17		$	1		$	-		$	18
Transfer in (out) to Stage 1		-			-			-			-
Transfer in (out) to Stage 2		(8	)		8			-			-
Transfer in (out) to Stage 3		-			-			-			-
Net remeasurement of loss allowance		12			13			-			25
Loan originations		83			23			-			106
Derecognitions and maturities		-			-			-			-
Provision for (recovery of) credit losses		87			44			-			131
Write-offs		-			-			-			-
Recoveries		-			-			-			-
Balance at end of period	$	104		$	45		$	-		$	149

Total balance at end of period	$	1,945		$	568		$	-		$	2,513