
	2021											2020
	Payable on demand (1)
As at October 31 ($ millions)	Interest- bearing		Non-interest- bearing		Payable after notice (2)			Payable on a fixed date (3)		Total
Personal	$	9,214	$	10,191	$	159,191		$	64,955	$	243,551	$	246,135
Business and government		176,757		34,254		46,150			254,187		511,348		464,619
Financial institutions		10,484		759		1,769			29,348		42,360		40,084
Total	$	196,455	$	45,204	$	207,110	(4)	$	348,490	$	797,259	$	750,838
Recorded in:
Canada	$	139,980	$	26,624	$	172,859		$	231,791	$	571,254	$	541,589
United States		44,112		157		4,431			38,926		87,626		60,747
United Kingdom		–		–		353			16,879		17,232		14,977
Mexico		–		5,707		6,718			11,834		24,259		25,294
Peru		5,056		54		5,552			3,858		14,520		17,694
Chile		2,842		6,289		154			11,346		20,631		23,592
Colombia		45		641		5,227			3,271		9,184		9,308
Other International		4,420		5,732		11,816			30,585		52,553		57,637
Total (5)	$	196,455	$	45,204	$	207,110		$	348,490	$	797,259	$	750,838

(1)	Deposits payable on demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts.

(2)	Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts.

(3)	All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.

(4)	Includes $193 (2020 – $158) of non-interest bearing deposits.

(5)

Deposits denominated in U.S. dollars amount to $259,027 (2020 – $215,836), deposits denominated in Chilean pesos amount to $17,841 (2020 – $21,099), deposits denominated in Mexican pesos amount to $22,032 (2020 – $22,765) and deposits denominated in other foreign currencies amount to $82,871 (2020 – $83,706).

The following table presents the maturity schedule for term deposits in Canada greater than $100,000

(1)


($ millions)	Within three months		Three to six months		Six to twelve months		One to five years		Over five years		Total
As at October 31, 2021	$	34,829	$	24,372	$	30,918	$	90,433	$	20,688	$	201,240
As at October 31, 2020	$	38,739	$	22,498	$	30,850	$	92,589	$	18,072	$	202,748

(1)	The majority of foreign term deposits are in excess of $100,000.