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Provisions for expected credit losses/impairment charges - Provisions for ECL on loans and credit commitments (Details) - Loans and credit commitments - AUD ($)
$ in Millions
 12 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Oct. 01, 2018
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year $ 3,608    
Business activity during the year 195 $ (170)  
Net remeasurement of provision for ECL 3,156 1,136  
Balance at the end of the year 5,602 3,608  
Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 3,913 3,053  
Restatement for adoption of AASB 9     $ 980
Restated at the beginning of the year     4,033
Business activity during the year 195 (170)  
Net remeasurement of provision for ECL 3,156 1,136  
Write-offs (1,170) (1,154)  
Exchange rate and other adjustments 38 68  
Balance at the end of the year 6,132 3,913  
Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 3,501 2,631  
Restatement for adoption of AASB 9     (2,631)
Balance at the end of the year 5,521 3,501  
Provisions for ECL on loans and credit commitments | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 412 422  
Restatement for adoption of AASB 9     (422)
Balance at the end of the year 611 412  
Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,108 482  
Restatement for adoption of AASB 9     500
Restated at the beginning of the year     982
Business activity during the year (170) (159)  
Net remeasurement of provision for ECL 1,078 382  
Write-offs (120) (119)  
Exchange rate and other adjustments 20 22  
Balance at the end of the year 1,916 1,108  
Provisions for ECL on loans and credit commitments | Housing | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   385  
Restatement for adoption of AASB 9     (385)
Provisions for ECL on loans and credit commitments | Housing | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   97  
Restatement for adoption of AASB 9     (97)
Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 975 764  
Restatement for adoption of AASB 9     328
Restated at the beginning of the year     1,092
Business activity during the year (52) (116)  
Net remeasurement of provision for ECL 635 789  
Write-offs (728) (822)  
Exchange rate and other adjustments 26 32  
Balance at the end of the year 856 975  
Provisions for ECL on loans and credit commitments | Personal | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   761  
Restatement for adoption of AASB 9     (761)
Provisions for ECL on loans and credit commitments | Personal | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   3  
Restatement for adoption of AASB 9     (3)
Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,830 1,807  
Restatement for adoption of AASB 9     152
Restated at the beginning of the year     1,959
Business activity during the year 417 105  
Net remeasurement of provision for ECL 1,443 (35)  
Write-offs (322) (213)  
Exchange rate and other adjustments (8) 14  
Balance at the end of the year 3,360 1,830  
Provisions for ECL on loans and credit commitments | Business | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   1,485  
Restatement for adoption of AASB 9     (1,485)
Provisions for ECL on loans and credit commitments | Business | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   322  
Restatement for adoption of AASB 9     (322)
Performing - Stage 1      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 763    
Balance at the end of the year 902 763  
Performing - Stage 1 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 884    
Restatement for adoption of AASB 9     877
Restated at the beginning of the year     877
Transfers to Stage 1 1,578 1,458  
Transfers to Stage 2 (345) (242)  
Transfers to Stage 3 (7) (5)  
Business activity during the year 212 179  
Net remeasurement of provision for ECL (1,233) (1,385)  
Exchange rate and other adjustments (5) 2  
Balance at the end of the year 1,084 884  
Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 884    
Balance at the end of the year 1,084 884  
Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 163    
Restatement for adoption of AASB 9     130
Restated at the beginning of the year     130
Transfers to Stage 1 566 343  
Transfers to Stage 2 (68) (38)  
Business activity during the year 25 17  
Net remeasurement of provision for ECL (492) (289)  
Exchange rate and other adjustments (2)    
Balance at the end of the year 192 163  
Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 268    
Restatement for adoption of AASB 9     263
Restated at the beginning of the year     263
Transfers to Stage 1 744 849  
Transfers to Stage 2 (154) (148)  
Transfers to Stage 3 (1) (2)  
Business activity during the year 35 62  
Net remeasurement of provision for ECL (676) (757)  
Exchange rate and other adjustments   1  
Balance at the end of the year 216 268  
Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 453    
Restatement for adoption of AASB 9     484
Restated at the beginning of the year     484
Transfers to Stage 1 268 266  
Transfers to Stage 2 (123) (56)  
Transfers to Stage 3 (6) (3)  
Business activity during the year 152 100  
Net remeasurement of provision for ECL (65) (339)  
Exchange rate and other adjustments (3) 1  
Balance at the end of the year 676 453  
Performing - Stage 2      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,496    
Balance at the end of the year 2,537 1,496  
Performing - Stage 2 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,674    
Restatement for adoption of AASB 9     1,884
Restated at the beginning of the year     1,884
Transfers to Stage 1 (1,528) (1,404)  
Transfers to Stage 2 1,161 956  
Transfers to Stage 3 (955) (621)  
Business activity during the year 60 (19)  
Net remeasurement of provision for ECL 2,474 874  
Exchange rate and other adjustments (11) 4  
Balance at the end of the year 2,875 1,674  
Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,674    
Balance at the end of the year 2,875 1,674  
Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 354    
Restatement for adoption of AASB 9     351
Restated at the beginning of the year     351
Transfers to Stage 1 (542) (317)  
Transfers to Stage 2 472 396  
Transfers to Stage 3 (276) (145)  
Business activity during the year (53) (35)  
Net remeasurement of provision for ECL 798 104  
Exchange rate and other adjustments (6)    
Balance at the end of the year 747 354  
Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 459    
Restatement for adoption of AASB 9     589
Restated at the beginning of the year     589
Transfers to Stage 1 (732) (839)  
Transfers to Stage 2 368 368  
Transfers to Stage 3 (342) (350)  
Business activity during the year (37) (18)  
Net remeasurement of provision for ECL 694 708  
Exchange rate and other adjustments (2) 1  
Balance at the end of the year 408 459  
Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 861    
Restatement for adoption of AASB 9     944
Restated at the beginning of the year     944
Transfers to Stage 1 (254) (248)  
Transfers to Stage 2 321 192  
Transfers to Stage 3 (337) (126)  
Business activity during the year 150 34  
Net remeasurement of provision for ECL 982 62  
Exchange rate and other adjustments (3) 3  
Balance at the end of the year 1,720 861  
Non-performing - Stage 3      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,349    
Balance at the end of the year 2,163 1,349  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,355    
Restatement for adoption of AASB 9     1,272
Restated at the beginning of the year     1,272
Transfers to Stage 1 (50) (54)  
Transfers to Stage 2 (816) (714)  
Transfers to Stage 3 962 626  
Business activity during the year (77) (330)  
Net remeasurement of provision for ECL 1,915 1,647  
Write-offs (1,170) (1,154)  
Exchange rate and other adjustments 54 62  
Balance at the end of the year 2,173 1,355  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 943    
Balance at the end of the year 1,562 943  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 412    
Balance at the end of the year 611 412  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 591    
Restatement for adoption of AASB 9     501
Restated at the beginning of the year     501
Transfers to Stage 1 (24) (26)  
Transfers to Stage 2 (404) (358)  
Transfers to Stage 3 276 145  
Business activity during the year (142) (141)  
Net remeasurement of provision for ECL 772 567  
Write-offs (120) (119)  
Exchange rate and other adjustments 28 22  
Balance at the end of the year 977 591  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 248    
Restatement for adoption of AASB 9     240
Restated at the beginning of the year     240
Transfers to Stage 1 (12) (10)  
Transfers to Stage 2 (214) (220)  
Transfers to Stage 3 343 352  
Business activity during the year (50) (160)  
Net remeasurement of provision for ECL 617 838  
Write-offs (728) (822)  
Exchange rate and other adjustments 28 30  
Balance at the end of the year 232 248  
Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 516    
Restatement for adoption of AASB 9     531
Restated at the beginning of the year     531
Transfers to Stage 1 (14) (18)  
Transfers to Stage 2 (198) (136)  
Transfers to Stage 3 343 129  
Business activity during the year 115 (29)  
Net remeasurement of provision for ECL 526 242  
Write-offs (322) (213)  
Exchange rate and other adjustments (2) 10  
Balance at the end of the year 964 516  
Parent Entity      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Business activity during the year 207 (183)  
Net remeasurement of provision for ECL 2,655 1,076  
Parent Entity | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 3,378 2,613  
Restatement for adoption of AASB 9     846
Restated at the beginning of the year     3,459
Business activity during the year 207 (183)  
Net remeasurement of provision for ECL 2,655 1,076  
Write-offs (1,105) (1,023)  
Exchange rate and other adjustments 37 49  
Balance at the end of the year 5,172 3,378  
Parent Entity | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 3,014 2,238  
Restatement for adoption of AASB 9     (2,238)
Balance at the end of the year 4,652 3,014  
Parent Entity | Provisions for ECL on loans and credit commitments | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 364 375  
Restatement for adoption of AASB 9     (375)
Balance at the end of the year 520 364  
Parent Entity | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,033 598  
Restatement for adoption of AASB 9     243
Restated at the beginning of the year     841
Business activity during the year (154) (145)  
Net remeasurement of provision for ECL 895 432  
Write-offs (111) (115)  
Exchange rate and other adjustments 25 20  
Balance at the end of the year 1,688 1,033  
Parent Entity | Provisions for ECL on loans and credit commitments | Housing | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   516  
Restatement for adoption of AASB 9     (516)
Parent Entity | Provisions for ECL on loans and credit commitments | Housing | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   82  
Restatement for adoption of AASB 9     (82)
Parent Entity | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 843 527  
Restatement for adoption of AASB 9     428
Restated at the beginning of the year     955
Business activity during the year (38) (107)  
Net remeasurement of provision for ECL 584 706  
Write-offs (699) (733)  
Exchange rate and other adjustments 25 22  
Balance at the end of the year 715 843  
Parent Entity | Provisions for ECL on loans and credit commitments | Personal | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   524  
Restatement for adoption of AASB 9     (524)
Parent Entity | Provisions for ECL on loans and credit commitments | Personal | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   3  
Restatement for adoption of AASB 9     (3)
Parent Entity | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,502 1,488  
Restatement for adoption of AASB 9     175
Restated at the beginning of the year     1,663
Business activity during the year 399 69  
Net remeasurement of provision for ECL 1,176 (62)  
Write-offs (295) (175)  
Exchange rate and other adjustments (13) 7  
Balance at the end of the year 2,769 1,502  
Parent Entity | Provisions for ECL on loans and credit commitments | Business | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   1,198  
Restatement for adoption of AASB 9     (1,198)
Parent Entity | Provisions for ECL on loans and credit commitments | Business | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year   290  
Restatement for adoption of AASB 9     (290)
Parent Entity | Performing - Stage 1 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 747    
Restatement for adoption of AASB 9     741
Restated at the beginning of the year     741
Transfers to Stage 1 1,150 1,191  
Transfers to Stage 2 (266) (220)  
Transfers to Stage 3 (6) (3)  
Business activity during the year 188 168  
Net remeasurement of provision for ECL (897) (1,130)  
Exchange rate and other adjustments (3)    
Balance at the end of the year 913 747  
Parent Entity | Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 747    
Balance at the end of the year 913 747  
Parent Entity | Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 141    
Restatement for adoption of AASB 9     105
Restated at the beginning of the year     105
Transfers to Stage 1 376 322  
Transfers to Stage 2 (44) (36)  
Business activity during the year 19 15  
Net remeasurement of provision for ECL (343) (265)  
Balance at the end of the year 149 141  
Parent Entity | Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 229    
Restatement for adoption of AASB 9     215
Restated at the beginning of the year     215
Transfers to Stage 1 549 635  
Transfers to Stage 2 (131) (138)  
Transfers to Stage 3 (1) (1)  
Business activity during the year 36 62  
Net remeasurement of provision for ECL (492) (544)  
Balance at the end of the year 190 229  
Parent Entity | Performing - Stage 1 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 377    
Restatement for adoption of AASB 9     421
Restated at the beginning of the year     421
Transfers to Stage 1 225 234  
Transfers to Stage 2 (91) (46)  
Transfers to Stage 3 (5) (2)  
Business activity during the year 133 91  
Net remeasurement of provision for ECL (62) (321)  
Exchange rate and other adjustments (3)    
Balance at the end of the year 574 377  
Parent Entity | Performing - Stage 2 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,420    
Restatement for adoption of AASB 9     1,605
Restated at the beginning of the year     1,605
Transfers to Stage 1 (1,125) (1,153)  
Transfers to Stage 2 930 860  
Transfers to Stage 3 (773) (554)  
Business activity during the year 64 7  
Net remeasurement of provision for ECL 1,880 654  
Exchange rate and other adjustments (6) 1  
Balance at the end of the year 2,390 1,420  
Parent Entity | Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,420    
Balance at the end of the year 2,390 1,420  
Parent Entity | Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 335    
Restatement for adoption of AASB 9     334
Restated at the beginning of the year     334
Transfers to Stage 1 (365) (302)  
Transfers to Stage 2 391 386  
Transfers to Stage 3 (233) (141)  
Business activity during the year (45) (33)  
Net remeasurement of provision for ECL 552 91  
Balance at the end of the year 635 335  
Parent Entity | Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 401    
Restatement for adoption of AASB 9     540
Restated at the beginning of the year     540
Transfers to Stage 1 (547) (633)  
Transfers to Stage 2 313 319  
Transfers to Stage 3 (307) (311)  
Business activity during the year (31) (11)  
Net remeasurement of provision for ECL 503 497  
Balance at the end of the year 332 401  
Parent Entity | Performing - Stage 2 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 684    
Restatement for adoption of AASB 9     731
Restated at the beginning of the year     731
Transfers to Stage 1 (213) (218)  
Transfers to Stage 2 226 155  
Transfers to Stage 3 (233) (102)  
Business activity during the year 140 51  
Net remeasurement of provision for ECL 825 66  
Exchange rate and other adjustments (6) 1  
Balance at the end of the year 1,423 684  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 1,211    
Restatement for adoption of AASB 9     1,113
Restated at the beginning of the year     1,113
Transfers to Stage 1 (25) (38)  
Transfers to Stage 2 (664) (640)  
Transfers to Stage 3 779 557  
Business activity during the year (45) (358)  
Net remeasurement of provision for ECL 1,672 1,552  
Write-offs (1,105) (1,023)  
Exchange rate and other adjustments 46 48  
Balance at the end of the year 1,869 1,211  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Collectively assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 847    
Balance at the end of the year 1,349 847  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Individually assessed      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 364    
Balance at the end of the year 520 364  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Housing      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 557    
Restatement for adoption of AASB 9     402
Restated at the beginning of the year     402
Transfers to Stage 1 (11) (20)  
Transfers to Stage 2 (347) (350)  
Transfers to Stage 3 233 141  
Business activity during the year (128) (127)  
Net remeasurement of provision for ECL 686 606  
Write-offs (111) (115)  
Exchange rate and other adjustments 25 20  
Balance at the end of the year 904 557  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Personal      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 213    
Restatement for adoption of AASB 9     200
Restated at the beginning of the year     200
Transfers to Stage 1 (2) (2)  
Transfers to Stage 2 (182) (181)  
Transfers to Stage 3 308 312  
Business activity during the year (43) (158)  
Net remeasurement of provision for ECL 573 753  
Write-offs (699) (733)  
Exchange rate and other adjustments 25 22  
Balance at the end of the year 193 213  
Parent Entity | Non-performing - Stage 3 | Provisions for ECL on loans and credit commitments | Business      
Reconciliation of provisions for Expected Credit Losses on loans and credit commitments      
Balance at the beginning of the year 441    
Restatement for adoption of AASB 9     511
Restated at the beginning of the year     $ 511
Transfers to Stage 1 (12) (16)  
Transfers to Stage 2 (135) (109)  
Transfers to Stage 3 238 104  
Business activity during the year 126 (73)  
Net remeasurement of provision for ECL 413 193  
Write-offs (295) (175)  
Exchange rate and other adjustments (4) 6  
Balance at the end of the year $ 772 $ 441