Note 5 - Credit Assets, Net of Allowance for Credit Losses (Tables)

3 Months Ended

Jan. 31, 2025

Statement Line Items [Line Items]

Disclosure of loans, net [text block]

(thousands of Canadian dollars)
	January 31			October 31			January 31
	2025			2024			2024
Receivable purchase program	$	3,401,328		$	3,307,328		$	3,078,941
Multi-family residential loans and other		927,978			910,314			886,226
		4,329,306			4,217,642			3,965,167
Allowance for credit losses		(4,233	)		(3,303	)		(2,386	)
Accrued interest		21,675			21,777			21,500
Total credit assets, net of allowance for credit losses	$	4,346,748		$	4,236,116		$	3,984,281

Disclosure of loans by lending asset category [text block]

	As at January 31, 2025												As at October 31, 2024
(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3			Total			Stage 1			Stage 2			Stage 3			Total
Receivable purchase program	$	3,388,092		$	12,228		$	1,008		$	3,401,328		$	3,294,675		$	12,653		$	-		$	3,307,328
ECL allowance		1,911			4			56			1,971			783			-			-			783
EL %		0.06	%		0.03	%		5.56	%		0.06	%		0.02	%		0.00	%		0.00	%		0.02	%
Multi-family residential loans and other	$	714,442		$	213,375		$	161		$	927,978		$	737,125		$	173,121		$	68		$	910,314
ECL allowance		1,772			488			2			2,262			2,213			306			1.00			2,520
EL %		0.25	%		0.23	%		1.24	%		0.24	%		0.30	%		0.18	%		1.47	%		0.28	%
Total credit assets	$	4,102,534		$	225,603		$	1,169		$	4,329,306		$	4,031,800		$	185,774		$	68		$	4,217,642
Total ECL allowance		3,683			492			58			4,233			2,996			306			1			3,303
Total EL %		0.09	%		0.22	%		4.96	%		0.10	%		0.07	%		0.16	%		1.47	%		0.08	%

Disclosure of sensitivity analysis of fair value measurement to changes in unobservable inputs, assets [text block]

(thousands of Canadian dollars)
	Reported		100%			100%			100%
	ECL		Upside			Baseline			Downside
Allowance for expected credit losses	$	4,233	$	3,574		$	3,825		$	4,457
Provision (recovery) from reported ECL				(659	)		(408	)		224
Variance from reported ECL (%)				(16%	)		(10%	)		5	%

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
Receivable purchase program
Balance at beginning of period	$	783		$	-		$	-	$	783
Transfer in (out) to Stage 1		-			-			-		-
Transfer in (out) to Stage 2		-			-			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		1,128			4			56		1,188
Credit asset originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		1,128			4			56		1,188
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	1,911		$	4		$	56	$	1,971
Multi-family residential loans and other
Balance at beginning of period	$	2,213		$	306		$	1	$	2,520
Transfer in (out) to Stage 1		(197	)		197			-		-
Transfer in (out) to Stage 2		(9	)		9			-		-
Transfer in (out) to Stage 3		(1	)		-			1		-
Net remeasurement of loss allowance		(172	)		8			-		(164	)
Credit asset originations		40			(29	)		-		11
Derecognitions and maturities		(11	)		-			-		(11	)
Provision for (recovery of) credit losses		(350	)		185			1		(164	)
Write-offs		(124	)		-			-		(124	)
Recoveries		-			-			-		-
FX Impact		33			(3	)		-		30
Balance at end of period	$	1,772		$	488		$	2	$	2,262
Total balance at end of period	$	3,683		$	492		$	58	$	4,233

(thousands of Canadian dollars)	Stage 1			Stage 2			Stage 3		Total
Receivable purchase program
Balance at beginning of period	$	100		$	-		$	-	$	100
Transfer in (out) to Stage 1		56			(56	)		-		-
Transfer in (out) to Stage 2		(124	)		124			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		33			(68	)		-		(35	)
Credit asset originations		-			-			-		-
Derecognitions and maturities		-			-			-		-
Provision for (recovery of) credit losses		(35	)		-			-		(35	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
Balance at end of period	$	65		$	-		$	-	$	65
Multi-family residential loans and other
Balance at beginning of period	$	1,845		$	568		$	-	$	2,413
Transfer in (out) to Stage 1		140			(140	)		-		-
Transfer in (out) to Stage 2		(109	)		109			-		-
Transfer in (out) to Stage 3		-			-			-		-
Net remeasurement of loss allowance		(19	)		(44	)		-		(63	)
Credit asset originations		77			-			-		77
Derecognitions and maturities		(89	)		(17	)		-		(106	)
Provision for (recovery of) credit losses		-			(92	)		-		(92	)
Write-offs		-			-			-		-
Recoveries		-			-			-		-
FX Impact		-			-			-		-
Balance at end of period	$	1,845		$	476		$	-	$	2,321
Total balance at end of period	$	1,910		$	476		$	-	$	2,386