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Deposits (Tables)
 3 Months Ended
Jan. 31, 2025
Disclosure Of Deposits [Line Items]  
Summary of Deposits
    
Payable on demand
                              
(Canadian $ in millions)
   
Interest bearing
     
Non-interest

bearing
     
Payable
after notice 
(1)		     
Payable on a
fixed date 
(2) (3)		     
January 31, 2025
      October 31, 2024  
Amortized cost deposits by:
                  
Banks (4)
   
$
5,081
     
$
2,439
     
$
1,831
     
$
23,265
     
$
32,616
      $ 32,546  
Business and government
     
74,069
       
41,832
       
212,611
       
249,857
       
578,369
        575,019  
Individuals
     
3,967
       
35,796
       
150,192
       
139,246
       
329,201
        320,767  
Total amortized cost deposits
     
83,117
       
80,067
       
364,634
       
412,368
       
940,186
        928,332  
Deposits at FVTPL
     
-
       
-
       
-
       
56,646
       
56,646
        54,108  
Total (5)
   
$
83,117
     
$
80,067
     
$
364,634
     
$
469,014
     
$
996,832
      $ 982,440  
Booked in:
                  
Canada
   
$
72,647
     
$
68,057
     
$
151,640
     
$
326,995
     
$
619,339
      $ 618,141  
United States
     
10,402
       
12,009
       
211,102
       
93,808
       
327,321
        314,066  
Other countries
     
68
       
1
       
1,892
       
48,211
       
50,172
        50,233  
Total
   
$
    83,117
     
$
    80,067
     
$
    364,634
     
$
    469,014
     
$
    996,832
      $     982,440  
 
 
 (1)
Includes $46,979 million of
non-interest
bearing deposits as at January 31, 2025 ($44,617 million as at October 31, 2024).
 (2)
Includes $64,536 million of senior unsecured debt as at January 31, 2025 subject to the Bank Recapitalization
(Bail-In)
regime ($65,986 million as at October 31, 2024). The
Bail-In
regime provides certain statutory powers to the Canada Deposit Insurance Corporation, including the ability to convert specified eligible shares and liabilities into common shares if the bank becomes
non-viable.
 (3)
Deposits totalling $29,063 million as at January 31, 2025 ($29,136 million as at October 31, 2024) can be redeemed early, either fully or partially, by customers without penalty. These are classified as payable on a fixed date, based on their remaining contractual maturities.
 (4)
Includes regulated and central banks.
 (5)
Includes $539,423 million of deposits denominated in U.S. dollars as at January 31, 2025 ($521,160 million as at October 31, 2024), and $55,039 million of deposits denominated in other foreign currencies ($54,397 million as at October 31, 2024).
Summary of Deposits Payable On a Fixed Date
The following table presents deposits payable on a fixed date and greater than one hundred thousand dollars:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Canadian $ in millions)
  
  
 
  
  
 
  
Canada
 
  
United States
 
  
Other
 
  
Total
 
As at January 31, 2025
  
 
     
 
  
 
           
 
  
$
     277,246
 
  
$
       82,792
 
  
$
      48,203
 
  
 $
408,241
 
As at October 31, 2024
  
 
         
 
  
 
 
 
  
 
285,555
 
  
 
77,313
 
  
 
48,086
 
  
 
     410,954
 
Summary of Maturity Schedule for Deposits Greater Than One Hundred Thousand Dollars Booked In Canada
The following table presents the maturity schedule for deposits payable on a fixed date greater than one hundred thousand dollars, which are booked in Canada:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Canadian $ in millions)
  
  
 
  
Less than 3 months 
 
  
3 to 6 months
 
  
6 to 12 months
 
  
Over 12 months
 
  
Total
 
As at January 31, 2025
  
 
         
 
  
$
  52,532 
 
  
$
      46,585
 
  
$
       48,980
 
  
$
     129,149
 
  
 $
277,246
 
As at October 31, 2024
  
 
 
 
  
 
63,442 
 
  
 
33,704
 
  
 
62,674
 
  
 
125,735
 
  
 
     285,555