Loans, Impaired Loans, and Allowance for Credit Losses (Tables)

12 Months Ended

Oct. 31, 2025

Disclosure of Financial Instruments [Abstract]

Summary of Banks Loans and Acceptances

The following table provides details regarding the Bank’s loans as at October 31, 2025 and October 31, 2024.

Loans

(millions of Canadian dollars)

As at October 31

2025

2024

Residential mortgages

$

315,063

$

331,649

Consumer instalment and other personal

259,033

228,382

Credit card

41,662

40,639

Business and government

345,943

356,973

961,701

957,643

Loans at FVOCI

1

288

230

Total loans

961,989

957,873

Total allowance for loan losses

8,689

8,094

Total loans, net of allowance

$

953,300

$

949,779

1

Included in Financial assets at fair value through other comprehensive income on the Consolidated Balance Sheet.

Summary of Credit Quality

Business and government loans and loans at FVOCI are grouped together as reflected below for presentation in the “Loans by Risk Rating” table.

Loans – Business and Government

(millions of Canadian dollars)

As at October 31

2025

2024

Loans at amortized cost

$

345,943

$

356,973

Loans at FVOCI

(Note 5)

288

230

Loans

346,231

357,203

Allowance for loan losses

3,847

3,583

Loans, net of allowance

$

342,384

$

353,620

Summary of Gross Carrying Amounts of Loans, Acceptances and Credit Risk Exposures on Loan Commitments and Financial Guarantee Contracts by Internal Risk Ratings

The following tables provide the gross carrying amounts of loans and credit risk exposures on loan commitments and financial guarantee contracts by internal risk

rating for credit risk management purposes, presenting separately those that are subject to Stage 1, Stage 2, and Stage 3 allowances.

Loans by Risk Rating

(millions of Canadian dollars)

As at

October 31, 2025

October 31, 2024

Stage 1

Stage 2

Stage 3

Total

Stage 1

Stage 2

Stage 3

Total

Residential mortgages

1,2,3

Low Risk

$

221,168

$

765

$

n/a

$

221,933

$

238,101

$

655

$

n/a

$

238,756

Normal Risk

70,217

8,391

n/a

78,608

65,318

13,620

n/a

78,938

Medium Risk

351

9,490

n/a

9,841

370

9,614

n/a

9,984

High Risk

3

3,700

391

4,094

5

3,201

347

3,553

Default

n/a

n/a

587

587

n/a

n/a

418

418

Total loans

291,739

22,346

978

315,063

303,794

27,090

765

331,649

Allowance for loan losses

102

175

80

357

116

189

60

365

Loans, net of allowance

291,637

22,171

898

314,706

303,678

26,901

705

331,284

Consumer instalment and other personal

4

Low Risk

110,513

2,588

n/a

113,101

101,171

2,624

n/a

103,795

Normal Risk

75,881

19,812

n/a

95,693

66,105

12,054

n/a

78,159

Medium Risk

29,757

6,792

n/a

36,549

27,188

6,352

n/a

33,540

High Risk

5,407

7,209

448

13,064

4,017

7,881

412

12,310

Default

n/a

n/a

626

626

n/a

n/a

578

578

Total loans

221,558

36,401

1,074

259,033

198,481

28,911

990

228,382

Allowance for loan losses

699

1,220

274

2,193

667

1,120

262

2,049

Loans, net of allowance

220,859

35,181

800

256,840

197,814

27,791

728

226,333

Credit card

Low Risk

8,011

4

n/a

8,015

6,902

16

n/a

6,918

Normal Risk

12,222

119

n/a

12,341

11,714

188

n/a

11,902

Medium Risk

12,780

902

n/a

13,682

12,908

1,122

n/a

14,030

High Risk

2,727

4,329

419

7,475

2,832

4,382

437

7,651

Default

n/a

n/a

149

149

n/a

n/a

138

138

Total loans

35,740

5,354

568

41,662

34,356

5,708

575

40,639

Allowance for loan losses

743

1,089

460

2,292

704

1,015

378

2,097

Loans, net of allowance

34,997

4,265

108

39,370

33,652

4,693

197

38,542

Business and government

1,2,3,5

Investment grade or Low/Normal Risk

139,518

152

n/a

139,670

158,425

102

n/a

158,527

Non-investment grade or Medium Risk

173,836

13,289

n/a

187,125

166,892

11,851

n/a

178,743

Watch and classified or High Risk

538

16,098

77

16,713

704

16,610

89

17,403

Default

n/a

n/a

2,723

2,723

n/a

n/a

2,530

2,530

Total loans

313,892

29,539

2,800

346,231

326,021

28,563

2,619

357,203

Allowance for loan losses

1,195

1,878

774

3,847

983

1,758

842

3,583

Loans, net of allowance

312,697

27,661

2,026

342,384

325,038

26,805

1,777

353,620

Total loans

862,929

93,640

5,420

961,989

862,652

90,272

4,949

957,873

Total allowance for loan losses

2,739

4,362

1,588

8,689

2,470

4,082

1,542

8,094

Total loans, net of allowance

$

860,190

$

89,278

$

3,832

$

953,300

$

860,182

$

86,190

$

3,407

$

949,779

1

Includes impaired loans with a balance of $

273

 million (October 31, 2024 – $

259

 million) which did not have a related allowance for loan losses as the realizable value of the collateral

exceeded the loan amount.

2

Excludes trading loans and non-trading loans at FVTPL with a fair value of $

30

 billion (October 31, 2024 – $

24

 billion) and $

0.3

 billion (October 31, 2024 – $

3

 billion), respectively.

3

Includes insured mortgages of $

69

 billion (October 31, 2024 – $

71

 billion).

4

Includes Canadian government-insured real estate personal loans of $

5

 billion (October 31, 2024 – $

6

 billion).

5

Includes loans guaranteed by government agencies of $

24

 billion (October 31, 2024 – $

24

 billion), which are primarily reported in non-investment grade or a lower risk rating based on the

borrowers’ credit risk.

Loans by Risk Rating

(Continued)

 – Off-Balance Sheet Credit Instruments

1

(millions of Canadian dollars)

As at

October 31, 2025

October 31, 2024

Stage 1

Stage 2

Stage 3

Total

Stage 1

Stage 2

Stage 3

Total

Retail Exposures

2

Low Risk

$

318,759

$

1,464

$

n/a

$

320,223

$

268,234

$

1,365

$

n/a

$

269,599

Normal Risk

62,564

1,147

n/a

63,711

93,576

1,332

n/a

94,908

Medium Risk

16,381

1,295

n/a

17,676

18,562

1,247

n/a

19,809

High Risk

1,282

1,092

–

2,374

1,126

1,181

–

2,307

Default

n/a

n/a

–

–

n/a

n/a

–

–

Non-Retail Exposures

3

Investment grade

319,274

–

n/a

319,274

287,830

–

n/a

287,830

Non-investment grade

103,936

5,710

n/a

109,646

99,866

6,968

n/a

106,834

Watch and classified

150

4,905

–

5,055

328

5,418

–

5,746

Default

n/a

n/a

343

343

n/a

n/a

252

252

Total off-balance sheet credit 

instruments

822,346

15,613

343

838,302

769,522

17,511

252

787,285

Allowance for off-balance sheet credit

instruments

470

566

16

1,052

439

593

11

1,043

Total off-balance sheet credit

instruments, net of allowance

$

821,876

$

15,047

$

327

$

837,250

$

769,083

$

16,918

$

241

$

786,242

1

Excludes mortgage commitments.

2

 Includes

$

401

 billion (October 31, 2024 – $

384

 billion) of personal lines of credit and credit card lines, which are unconditionally cancellable at the Bank’s discretion at any time.

3

 Includes $

67

 billion (October 31, 2024 – $

66

 billion) of the undrawn component of uncommitted credit and liquidity facilities.

Summary of Information Related to Bank's Impaired Loans

The following table presents information related to the Bank’s impaired loans as at October 31, 2025 and October 31, 2024.

Impaired Loans

(millions of Canadian dollars)

As at

October 31, 2025

October 31, 2024

Related

Average

Related

Average

Unpaid

allowance

gross

Unpaid

allowance

gross

principal

Carrying

for credit

impaired

principal

Carrying

for credit

impaired

balance

1

value

losses

loans

balance

1

value

losses

loans

Residential mortgages

$

1,033

$

978

$

80

$

886

$

827

$

765

$

60

$

685

Consumer instalment and

other personal

1,114

1,074

274

1,054

1,045

990

262

894

Credit card

569

568

460

568

575

575

378

544

Business and government 

3,096

2,800

774

2,791

2,812

2,619

842

1,875

Total

$

5,812

$

5,420

$

1,588

$

5,299

$

5,259

$

4,949

$

1,542

$

3,998

1

Represents contractual amount of principal owed.

Summary of Allowance for Credit Losses

The following table provides details on the Bank’s allowance for credit losses as at and for the years ended October 31, 2025 and October 31, 2024, including

allowance for off-balance sheet instruments in the applicable categories.

Allowance for Credit Losses

(millions of Canadian dollars)

Foreign

Foreign

exchange,

exchange,

Balance at

Provision 

Write-offs,

disposals,

Balance

Balance at

Provision 

Write-offs,

disposals,

Balance

beginning

for credit

net of

and other

at end of

beginning

for credit

net of

and other

at end of

of year

losses

recoveries

adjustments

year

of year

losses

recoveries

adjustments

year

For the years ended

October 31, 2025

October 31, 2024

Residential mortgages

$

365

$

(5)

$

(4)

$

1

$

357

$

403

$

(34)

$

(7)

$

3

$

365

Consumer instalment and other

personal

2,133

1,385

(1,250)

5

2,273

1,895

1,407

(1,173)

4

2,133

Credit card

2,699

1,763

(1,685)

13

2,790

2,577

1,676

(1,561)

7

2,699

Business and government

3,940

1,362

(954)

(27)

4,321

3,310

1,204

(536)

(38)

3,940

Total allowance for loan losses,

including off-balance sheet

instruments

9,137

4,505

(3,893)

(8)

9,741

8,185

4,253

(3,277)

(24)

9,137

Debt securities at amortized cost

3

–

–

(1)

2

2

1

–

–

3

Debt securities at FVOCI

1

1

–

–

2

2

(1)

–

–

1

Total allowance for credit

losses on debt securities

4

1

–

(1)

4

4

–

–

–

4

Total allowance for credit losses

$

9,141

$

4,506

$

(3,893)

$

(9)

$

9,745

$

8,189

$

4,253

$

(3,277)

$

(24)

$

9,141

Comprising:

Allowance for credit losses on

loans at amortized cost

$

8,094

$

8,689

$

7,136

$

8,094

Allowance for credit losses on

loans at FVOCI

–

–

–

–

Allowance for loan losses

8,094

8,689

7,136

8,094

Allowance for off-balance sheet

instruments

1,043

1,052

1,049

1,043

Allowance for credit losses on

debt securities

4

4

4

4

Summary of Allowance for Loan Losses

The following table provides details on the Bank’s allowance for loan losses by stage as at and for the years ended October 31, 2025 and October 31, 2024.

Allowance for Loan Losses by Stage

(millions of Canadian dollars)

For the years ended

October 31, 2025

October 31, 2024

Stage 1

Stage 2

Stage 3

Total

Stage 1

Stage 2

Stage 3

Total

Residential Mortgages

Balance at beginning of period

$

116

$

189

$

60

$

365

$

154

$

192

$

57

$

403

Provision for credit losses

Transfer to Stage 1

1

108

(103)

(5)

–

137

(133)

(4)

–

Transfer to Stage 2

(26)

56

(30)

–

(30)

52

(22)

–

Transfer to Stage 3

–

(42)

42

–

–

(32)

32

–

Net remeasurement due to transfers into stage

2

(24)

15

–

(9)

(30)

22

–

(8)

New originations or purchases

3

25

n/a

n/a

25

32

n/a

n/a

32

Net repayments

4

(4)

(4)

–

(8)

(4)

–

–

(4)

Derecognition of financial assets (excluding

disposals and write-offs)

5

(14)

(20)

(28)

(62)

(7)

(27)

(35)

(69)

Changes to risk, parameters, and models

6

(80)

84

45

49

(135)

114

36

15

Disposals

–

–

–

–

–

–

–

–

Write-offs

–

–

(11)

(11)

–

–

(8)

(8)

Recoveries

–

–

7

7

–

–

1

1

Foreign exchange and other adjustments

1

–

–

1

(1)

1

3

3

Balance at end of period

$

102

$

175

$

80

$

357

$

116

$

189

$

60

$

365

Consumer Instalment and Other Personal

Balance, including off-balance sheet instruments,

at beginning of period

$

696

$

1,175

$

262

$

2,133

$

688

$

1,010

$

197

$

1,895

Provision for credit losses

Transfer to Stage 1

1

696

(691)

(5)

–

607

(603)

(4)

–

Transfer to Stage 2

(239)

329

(90)

–

(246)

329

(83)

–

Transfer to Stage 3

(10)

(298)

308

–

(11)

(254)

265

–

Net remeasurement due to transfers into stage

2

(297)

282

9

(6)

(267)

300

9

42

New originations or purchases

3

345

n/a

n/a

345

359

n/a

n/a

359

Net repayments

4

(87)

(107)

(17)

(211)

(76)

(95)

(16)

(187)

Derecognition of financial assets (excluding

disposals and write-offs)

5

(87)

(115)

(49)

(251)

(74)

(104)

(50)

(228)

Changes to risk, parameters, and models

6

(295)

698

1,105

1,508

(286)

590

1,117

1,421

Disposals

–

–

–

–

–

–

–

–

Write-offs

–

–

(1,597)

(1,597)

–

–

(1,496)

(1,496)

Recoveries

–

–

347

347

–

–

323

323

Foreign exchange and other adjustments

2

2

1

5

2

2

–

4

Balance, including off-balance sheet instruments,

at end of period

724

1,275

274

2,273

696

1,175

262

2,133

Less: Allowance for off-balance sheet instruments

7

25

55

–

80

29

55

–

84

Balance at end of period

$

699

$

1,220

$

274

$

2,193

$

667

$

1,120

$

262

$

2,049

Credit Card

8

Balance, including off-balance sheet instruments,

at beginning of period

$

947

$

1,374

$

378

$

2,699

$

988

$

1,277

$

312

$

2,577

Provision for credit losses

Transfer to Stage 1

1

1,299

(1,257)

(42)

–

1,087

(1,051)

(36)

–

Transfer to Stage 2

(352)

441

(89)

–

(323)

404

(81)

–

Transfer to Stage 3

(25)

(1,047)

1,072

–

(21)

(881)

902

–

Net remeasurement due to transfers into stage

2

(503)

461

26

(16)

(476)

477

25

26

New originations or purchases

3

160

n/a

n/a

160

153

n/a

n/a

153

Net repayments

4

(5)

8

74

77

25

11

65

101

Derecognition of financial assets (excluding

disposals and write-offs)

5

(60)

(97)

(310)

(467)

(55)

(71)

(367)

(493)

Changes to risk, parameters, and models

6

(521)

1,495

1,035

2,009

(432)

1,204

1,117

1,889

Disposals

–

–

–

–

–

–

–

–

Write-offs

–

–

(2,078)

(2,078)

–

–

(1,880)

(1,880)

Recoveries

–

–

393

393

–

–

319

319

Foreign exchange and other adjustments

4

8

1

13

1

4

2

7

Balance, including off-balance sheet instruments,

at end of period

944

1,386

460

2,790

947

1,374

378

2,699

Less: Allowance for off-balance sheet instruments

7

201

297

–

498

243

359

–

602

Balance at end of period

$

743

$

1,089

$

460

$

2,292

$

704

$

1,015

$

378

$

2,097

Transfers represent stage transfer movements prior to ECL remeasurement. 

2

 Represents the mechanical remeasurement between twelve-month (i.e., Stage 1) and lifetime ECLs (i.e., Stage 2 or 3) due to stage transfers necessitated by credit risk migration, as

described in the “Significant Increase in Credit Risk” section of Note 2 and Note 3, holding all other factors impacting the change in ECLs constant. 

3

 Represents the increase in the allowance resulting from loans that were newly originated, purchased, or renewed.

4

 Represents the changes in the allowance related to cash flow changes associated with new draws or repayments on loans outstanding. 

5

 Represents the decrease in the allowance resulting from loans that were fully repaid and excludes the decrease associated with loans that were disposed or fully written off.

6

 Represents the changes in the allowance related to current period changes in risk (e.g., PD) caused by changes to macroeconomic factors, level of risk, parameters, and/or models,

subsequent to stage migration. Refer to the “Measurement of Expected Credit Losses”, “Forward-Looking Information” and “Expert Credit Judgment” sections of Note 2 and Note 3 for

further details. 

7

 The allowance for loan losses for off-balance sheet instruments is recorded in Other liabilities on the Consolidated Balance Sheet.

8

 Credit cards are considered impaired and migrate to Stage 3 when they are 90 days past due and written off at 180 days past due. Refer to Note 2 for further details.

Allowance for Loan Losses by Stage

(Continued)

(millions of Canadian dollars)

For the years ended

October 31, 2025

October 31, 2024

Stage 1

Stage 2

Stage 3

Total

Stage 1

Stage 2

Stage 3

Total

Business and Government

Balance, including off-balance sheet instruments,

at beginning of period

$

1,150

$

1,937

$

853

$

3,940

$

1,319

$

1,521

$

470

$

3,310

Provision for credit losses

Transfer to Stage 1

1

356

(352)

(4)

–

266

(265)

(1)

–

Transfer to Stage 2

(727)

766

(39)

–

(568)

584

(16)

–

Transfer to Stage 3

(10)

(482)

492

–

(19)

(350)

369

–

Net remeasurement due to transfers into stage

1

(103)

193

3

93

(86)

158

13

85

New originations or purchases

1

1,458

n/a

n/a

1,458

1,165

n/a

n/a

1,165

Net repayments

1

13

(44)

(209)

(240)

20

(60)

(77)

(117)

Derecognition of financial assets (excluding

disposals and write-offs)

1

(804)

(940)

(368)

(2,112)

(683)

(611)

(297)

(1,591)

Changes to risk, parameters, and models

1

82

998

1,083

2,163

(271)

917

1,016

1,662

Disposals

–

–

(22)

(22)

–

–

(39)

(39)

Write-offs

–

–

(1,039)

(1,039)

–

–

(600)

(600)

Recoveries

–

–

85

85

–

–

64

64

Foreign exchange and other adjustments

24

16

(45)

(5)

7

43

(49)

1

Balance, including off-balance sheet instruments,

at end of period

1,439

2,092

790

4,321

1,150

1,937

853

3,940

Less: Allowance for off-balance sheet instruments

2

244

214

16

474

167

179

11

357

Balance at end of period

1,195

1,878

774

3,847

983

1,758

842

3,583

Total Allowance, including off-balance sheet

instruments, at end of period

3,209

4,928

1,604

9,741

2,909

4,675

1,553

9,137

Less: Total Allowance for off-balance sheet

instruments

2

470

566

16

1,052

439

593

11

1,043

Total Allowance for Loan Losses at end of period

$

2,739

$

4,362

$

1,588

$

8,689

$

2,470

$

4,082

$

1,542

$

8,094

1

 For explanations regarding this line item, refer to the “Allowance for Loan Losses by Stage” table on the previous page in this Note.

2

 The allowance for loan losses for off-balance sheet instruments is recorded in Other liabilities on the Consolidated Balance Sheet.

Summary of Macroeconomic Variables impacted in Determining ECLs

The following table sets out average values of the macroeconomic variables over the four

calendar quarters starting with the current quarter, and the remaining 4-year forecast period for the base forecast and upside and downside scenarios used in

determining the Bank’s ECLs as at October 31, 2025. As the forecast period increases, information about the future becomes less readily available and projections

are anchored on assumptions around structural relationships between economic parameters that are inherently much less certain.

Macroeconomic Variables

As at

October 31, 2025

Base Forecast

Upside Scenario

Downside Scenario

Average

Remaining

Average

Remaining

Average

Remaining

Q4 2025-

4-year

Q4 2025-

4-year

Q4 2025-

4-year

Q3 2026

1

period

1

Q3 2026

1

period

1

Q3 2026

1

period

1

Unemployment rate

Canada

7.1

%

6.0

%

6.4

%

5.7

%

7.8

%

7.2

%

United States

4.3

4.0

4.1

3.8

5.5

5.4

Real GDP

Canada

0.9

1.7

1.0

1.9

(1.0)

2.0

United States

1.7

2.1

1.8

2.2

(0.4)

2.4

Home prices

Canada (average existing price)

2

4.1

4.0

4.3

4.5

(5.5)

3.7

United States (CoreLogic HPI)

3

(0.1)

3.5

0.6

4.1

(7.5)

4.0

Central bank policy interest rate

Canada

2.25

2.25

2.50

2.50

1.13

1.42

United States

3.50

3.25

3.75

3.50

2.06

2.30

U.S. 10-year treasury yield

4.02

4.00

4.34

4.24

3.60

3.60

U.S. 10-year BBB spread (%-pts)

1.38

1.60

1.24

1.53

2.27

1.90

Exchange rate (U.S. dollar/Canadian dollar)

$

0.74

$

0.75

$

0.74

$

0.76

$

0.68

$

0.71

Macroeconomic Variables

As at

October 31, 2024

Base Forecast

Upside Scenario

Downside Scenario

Average

Remaining

Average

Remaining

Average

Remaining

Q4 2024-

4-year

Q4 2024-

4-year

Q4 2024-

4-year

Q3 2025

1

period

1

Q3 2025

1

period

1

Q3 2025

1

period

1

Unemployment rate

Canada

6.7

%

6.0

%

5.7

%

5.6

%

7.7

%

7.3

%

United States

4.3

4.0

3.8

3.7

5.4

5.4

Real GDP

Canada

1.7

2.0

2.1

2.2

(0.4)

2.3

United States

1.9

2.1

2.7

2.4

(0.2)

2.4

Home prices

Canada (average existing price)

2

6.0

3.0

8.2

3.4

(7.1)

3.7

United States (CoreLogic HPI)

3

1.3

3.0

4.2

3.8

(8.5)

4.1

Central bank policy interest rate

Canada

3.19

2.27

4.19

2.61

1.69

1.81

United States

3.69

3.00

5.00

3.39

2.81

2.06

U.S. 10-year treasury yield

3.52

3.45

4.49

3.81

3.40

3.34

U.S. 10-year BBB spread (%-pts)

1.75

1.80

1.59

1.76

2.51

2.10

Exchange rate (U.S. dollar/Canadian dollar)

$

0.74

$

0.75

$

0.75

$

0.76

$

0.71

$

0.71

The numbers represent average values for the quoted periods, and average of year-on-year growth for real GDP and home prices.

2

 The average home price is the average transacted sale price of homes sold via the Multiple Listing Service; data is collected by the Canadian Real Estate Association.

3

 The CoreLogic home price index (HPI) is a repeat-sales index which tracks increases and decreases in the same home’s sales price over time.

Schedule of Change from Base to Probability-Weighted ECL

The following table presents the base ECL scenario compared to the probability-weighted ECLs, with the latter derived from three ECL scenarios for performing

loans and off-balance sheet instruments. The difference reflects the impact of deriving multiple scenarios around the base ECLs and resultant change in ECLs due

to non-linearity and sensitivity to using macroeconomic forecasts.

Change from Base to Probability-Weighted ECLs

(millions of Canadian dollars, except as noted)

As at

October 31, 2025

October 31, 2024

Probability-weighted ECLs

$

8,137

$

7,584

Base ECLs

7,737

7,185

Difference – in amount

$

400

$

399

Difference – in percentage

5.2

%

5.6

%

Schedule of Incremental Lifetime ECL Impact

The following table shows the estimated impact of staging on ECLs by presenting all performing loans and off-balance sheet instruments calculated using

twelve-month ECLs compared to the current aggregate probability-weighted ECLs, holding all risk profiles constant.

Incremental Lifetime ECLs Impact

(millions of Canadian dollars) 

As at

October 31, 2025

October 31, 2024

Probability-weighted ECLs

$

8,137

$

7,584

All performing loans and off-balance sheet instruments using 12-month ECLs

6,435

5,631

Incremental lifetime ECLs impact

$

1,702

$

1,953

Summary of Loans Past Due but Not Impaired

The following table summarizes loans that are past

due but not impaired. Loans less than 31 days contractually past due are excluded as they do not generally reflect a borrower’s ability to meet their payment

obligations.

Loans Past Due but not Impaired

1

(millions of Canadian dollars)

As at

October 31, 2025

October 31, 2024

31-60

61-89

31-60

61-89

days

days

Total

days

days

Total

Residential mortgages

$

407

$

129

$

536

$

443

$

111

$

554

Consumer instalment and other personal

930

301

1,231

983

335

1,318

Credit card

373

253

626

375

269

644

Business and government

247

85

332

244

83

327

Total

$

1,957

$

768

$

2,725

$

2,045

$

798

$

2,843

Includes loans that are measured at FVOCI.