Note 15 - Capital Management (Tables)

3 Months Ended

Jan. 31, 2025

Statement Line Items [Line Items]

Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)
	January 31			October 31
	2025			2024
Common Equity Tier 1 (CET1) capital
Directly issued qualifying common share capital	$	330,489		$	215,610
Contributed surplus		2,540			2,485
Retained earnings		188,568			181,238
Accumulated other comprehensive income (loss)		(302	)		(130	)
CET1 before regulatory adjustments		521,295			399,203
Regulatory adjustments applied to CET1		(21,137	)		(25,700	)
Common Equity Tier 1 capital	$	500,158		$	373,503
Additional Tier 1 capital
Directly issued qualifying Additional Tier 1 instruments	$	-		$	-
Total Tier 1 capital	$	500,158		$	373,503
Tier 2 capital
Directly issued Tier 2 capital instruments	$	108,630		$	104,370
Tier 2 capital before regulatory adjustments		108,630			104,370
Eligible stage 1 and stage 2 allowance		4,233			3,303
Total Tier 2 capital	$	112,863		$	107,673
Total regulatory capital	$	613,021		$	481,176
Total risk-weighted assets	$	3,422,768		$	3,323,595
Capital ratios
CET1 capital ratio		14.61	%		11.24	%
Tier 1 capital ratio		14.61	%		11.24	%
Total capital ratio		17.91	%		14.48	%

(thousands of Canadian dollars)
	January 31			October 31
	2025			2024
On-balance sheet assets	$	4,971,732		$	4,838,484
Assets amounts adjusted in determining the Basel III
Tier 1 capital		(21,137	)		(25,700	)
Total on-balance sheet exposures		4,950,595			4,812,784
Total off-balance sheet exposure at gross notional amount	$	621,370		$	701,104
Adjustments for conversion to credit equivalent amount		(399,425	)		(451,759	)
Total off-balance sheet exposures		221,945			249,345
Tier 1 capital		500,158			373,503
Total exposures		5,172,540			5,062,129
Leverage ratio		9.67	%		7.38	%