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Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($)
$ in Millions
3 Months Ended 6 Months Ended
Apr. 30, 2022
Apr. 30, 2021
Apr. 30, 2022
Apr. 30, 2021
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period $ 4,249   $ 5,728 $ 7,817
Provision for credit losses     441 1,260
Net write-offs     (879) (1,815)
Other, including foreign currency adjustment     80 (373)
Provision for credit losses        
Balance at end of period 5,370 $ 6,889 5,370 6,889
Allowance for credit losses [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     5,626 7,639
Provision for credit losses        
Balance at end of period 5,294 6,716 [1] 5,294 6,716 [1]
Allowance for credit losses on acceptances [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [2]     37 77
Provision for credit losses        
Balance at end of period [2] 27 73 27 73
Allowance for credit losses on off balance sheet exposures [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [3]     65 101
Provision for credit losses        
Balance at end of period [3] 49 100 49 100
Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [4]     5,626  
Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 835 864 802 884
Provision for credit losses     32 51
Net write-offs     (23) (49)
Other, including foreign currency adjustment     23 (45)
Provision for credit losses        
Remeasurement 1 25 22 [5] 48 [5]
Newly originated or purchased financial assets 10 10 20 21
Derecognition of financial assets and maturities (5) (9) (10) (18)
Gross write-offs (16) (22) (37) (59)
Recoveries 7 6 14 10
Foreign exchange and other movements 2 (33) 23 (45)
Balance at end of period [6] 834 841 834 841
Residential mortgages [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 834 841 834 841
Residential mortgages [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     802  
Loans to consumers [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 2,249 3,150 2,341 3,155
Provision for credit losses     235 611
Net write-offs     (451) (826)
Other, including foreign currency adjustment     46 (134)
Provision for credit losses        
Remeasurement 93 239 176 [5] 605 [5]
Newly originated or purchased financial assets 75 154 150 253
Derecognition of financial assets and maturities (44) (149) (91) (247)
Gross write-offs (275) (547) (582) (953)
Recoveries 64 64 131 127
Foreign exchange and other movements 9 (105) 46 (134)
Balance at end of period [6] 2,171 2,806 2,171 2,806
Loans to consumers [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 2,171 2,806 2,171 2,806
Loans to consumers [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     2,341  
Credit Card [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 1,165 1,915 1,211 1,886
Provision for credit losses     159 504
Net write-offs     (277) (761)
Other, including foreign currency adjustment     14 (84)
Provision for credit losses        
Remeasurement 72 265 134 [5] 541 [5]
Newly originated or purchased financial assets 32 19 60 48
Derecognition of financial assets and maturities (18) (41) (35) (85)
Gross write-offs (186) (587) (378) (847)
Recoveries 48 42 101 86
Foreign exchange and other movements (6) (68) 14 (84)
Balance at end of period [6] 1,107 1,545 1,107 1,545
Credit Card [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 1,107 1,545 1,107 1,545
Credit Card [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     1,211  
Total Retail Loans [Member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period   5,929 4,354 5,925
Provision for credit losses        
Remeasurement 166 529 332 [5] 1,194 [5]
Newly originated or purchased financial assets 117 183 230 322
Derecognition of financial assets and maturities (67) (199) (136) (350)
Gross write-offs (477) (1,156) (997) (1,859)
Recoveries 119 112 246 223
Foreign exchange and other movements 5 (206) 83 (263)
Balance at end of period [6] 4,112 5,192 4,112 5,192
Business and government [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     1,374 1,892
Provision for credit losses     15 94
Net write-offs     (128) (179)
Other, including foreign currency adjustment     (3) (110)
Provision for credit losses        
Remeasurement 40 24 72 [5] 141 [5]
Newly originated or purchased financial assets 65 79 121 168
Derecognition of financial assets and maturities (98) (98) (170) (196)
Changes in models and methodologies 1 (15) 1 (15)
Gross write-offs (73) (105) (146) (192)
Recoveries 9 8 18 13
Foreign exchange and other movements (11) (67) (2) (110)
Balance at end of period including off-balance sheet exposures 1,231 1,624 1,231 1,624
Less: Allowance for credits losses on off-balance sheet exposures [3] (49) (100) (49) (100)
Balance at end of period 1,258 1,697 1,258 1,697
Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 1,298 1,798 1,337 1,815
Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of period [6] 1,182 1,524 1,182 1,524
Business and government [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 1,182 1,524 1,182 1,524
Business and government [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     1,272  
Total Non Retail Loans [Member]        
Provision for credit losses        
Balance at end of period 4,112   4,112  
Stage 1 [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 1,444 1,472 [1] 1,444 1,472 [1]
Stage 1 [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [4]     1,334  
Stage 1 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 161 161 152 190
Provision for credit losses        
Remeasurement (15) (30) (34) [5] (95) [5]
Newly originated or purchased financial assets 10 10 20 21
Derecognition of financial assets and maturities (1) (2) (3) (5)
Transfer to (from)stage 1 14 19 33 51
Transfer to (from)stage 2 (2) (3) (4) (6)
Foreign exchange and other movements 1 (4) 4 (5)
Balance at end of period [6] 168 151 168 151
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 168 151 168 151
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     152  
Stage 1 [member] | Loans to consumers [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 655 787 644 864
Provision for credit losses        
Remeasurement (162) (264) (318) [5] (686) [5]
Newly originated or purchased financial assets 75 154 150 253
Derecognition of financial assets and maturities (17) (67) (35) (95)
Transfer to (from)stage 1 127 204 257 605
Transfer to (from)stage 2 (26) (85) (56) (177)
Transfer to (from)stage 3 (1) (8) (2) (39)
Foreign exchange and other movements 4 (22) 15 (26)
Balance at end of period [6] 655 699 655 699
Stage 1 [member] | Loans to consumers [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 655 699 655 699
Stage 1 [member] | Loans to consumers [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     644  
Stage 1 [member] | Credit Card [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 399 448 352 501
Provision for credit losses        
Remeasurement (37) (177) (89) [5] (310) [5]
Newly originated or purchased financial assets 32 19 60 48
Derecognition of financial assets and maturities (10) (17) (20) (32)
Transfer to (from)stage 1 52 91 139 204
Transfer to (from)stage 2 (13) (32) (26) (75)
Foreign exchange and other movements (4) (13) 3 (17)
Balance at end of period [6] 419 319 419 319
Stage 1 [member] | Credit Card [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 419 319 419 319
Stage 1 [member] | Credit Card [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     352  
Stage 1 [member] | Total Retail Loans [Member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 1,215 1,396 1,148 1,555
Provision for credit losses        
Remeasurement (214) (471) (441) [5] (1,091) [5]
Newly originated or purchased financial assets 117 183 230 322
Derecognition of financial assets and maturities (28) (86) (58) (132)
Transfer to (from)stage 1 193 314 429 860
Transfer to (from)stage 2 (41) (120) (86) (258)
Transfer to (from)stage 3 (1) (8) (2) (39)
Foreign exchange and other movements 1 (39) 22 (48)
Balance at end of period [6] 1,242 1,169 1,242 1,169
Stage 1 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement (23) (79)   (89) [5]
Newly originated or purchased financial assets 65 79 121 168
Derecognition of financial assets and maturities (55) (85) (96) (168)
Changes in models and methodologies (1) (4) (1) (4)
Transfer to (from)stage 1 19 10 61 28
Transfer to (from)stage 2 (4) (18) (12) (42)
Foreign exchange and other movements   (9) 2 (18)
Balance at end of period including off-balance sheet exposures 234 353 234 353
Less: Allowance for credits losses on off-balance sheet exposures [3] (32) (50) (32) (50)
Balance at end of period [6] 202 303 202 303
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 233 459 212 478
Stage 1 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of period 202 303 202 303
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 202 303 202 303
Stage 1 [member] | Business and government [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     186  
Stage 1 [member] | Total Non Retail Loans [Member]        
Provision for credit losses        
Remeasurement [5]     (53)  
Stage 2 [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 2,246 3,306 [1] 2,246 3,306 [1]
Stage 2 [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [4]     2,637  
Stage 2 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 279 297 276 302
Provision for credit losses        
Remeasurement 7 7 18 [5] 36 [5]
Derecognition of financial assets and maturities (4) (7) (7) (13)
Transfer to (from)stage 1 (12) (15) (29) (42)
Transfer to (from)stage 2 9 17 16 37
Transfer to (from)stage 3 (3) (11) (6) (23)
Foreign exchange and other movements (3) (8) 5 (17)
Balance at end of period [6] 273 280 273 280
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 273 280 273 280
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     276  
Stage 2 [member] | Loans to consumers [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 1,020 1,514 1,071 1,471
Provision for credit losses        
Remeasurement 94 176 189 [5] 712 [5]
Derecognition of financial assets and maturities (27) (82) (56) (152)
Transfer to (from)stage 1 (125) (200) (252) (598)
Transfer to (from)stage 2 39 104 83 215
Transfer to (from)stage 3 (49) (184) (99) (310)
Foreign exchange and other movements (2) (42) 14 (52)
Balance at end of period [6] 950 1,286 950 1,286
Stage 2 [member] | Loans to consumers [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 950 1,286 950 1,286
Stage 2 [member] | Loans to consumers [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     1,071  
Stage 2 [member] | Credit Card [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 766 1,467 859 1,385
Provision for credit losses        
Remeasurement 3 119 8 [5] 377 [5]
Derecognition of financial assets and maturities (8) (24) (15) (53)
Transfer to (from)stage 1 (52) (91) (139) (204)
Transfer to (from)stage 2 13 32 26 75
Transfer to (from)stage 3 (33) (228) (61) (298)
Foreign exchange and other movements (1) (49) 10 (56)
Balance at end of period [6] 688 1,226 688 1,226
Stage 2 [member] | Credit Card [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 688 1,226 688 1,226
Stage 2 [member] | Credit Card [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     859  
Stage 2 [member] | Total Retail Loans [Member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 2,065 3,278 2,206 3,158
Provision for credit losses        
Remeasurement 104 302 215 [5] 1,125 [5]
Derecognition of financial assets and maturities (39) (113) (78) (218)
Transfer to (from)stage 1 (189) (306) (420) (844)
Transfer to (from)stage 2 61 153 125 327
Transfer to (from)stage 3 (85) (423) (166) (631)
Foreign exchange and other movements (6) (99) 29 (125)
Balance at end of period [6] 1,911 2,792 1,911 2,792
Stage 2 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement (9)   (23) [5] 21 [5]
Derecognition of financial assets and maturities (36) (12) (56) (25)
Changes in models and methodologies 2 (11) 2 (11)
Transfer to (from)stage 1 (19) (10) (61) (28)
Transfer to (from)stage 2 4 19 12 43
Transfer to (from)stage 3 (3) (3) (3) (4)
Foreign exchange and other movements 2 (19) 11 (24)
Balance at end of period including off-balance sheet exposures 352 564 352 564
Less: Allowance for credits losses on off-balance sheet exposures [3] (17) (50) (17) (50)
Balance at end of period [6] 335 514 335 514
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 411 600 470 592
Stage 2 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of period 335 514 335 514
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 335 514 335 514
Stage 2 [member] | Business and government [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     431  
Stage 3 [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 1,604 1,938 [1] 1,604 1,938 [1]
Stage 3 [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period [4]     1,655  
Stage 3 [member] | Residential mortgages [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 395 406 374 392
Provision for credit losses        
Remeasurement 9 48 38 [5] 107 [5]
Transfer to (from)stage 1 (2) (4) (4) (9)
Transfer to (from)stage 2 (7) (14) (12) (31)
Transfer to (from)stage 3 3 11 6 23
Gross write-offs (16) (22) (37) (59)
Recoveries 7 6 14 10
Foreign exchange and other movements 4 (21) 14 (23)
Balance at end of period [6] 393 410 393 410
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 393 410 393 410
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     374  
Stage 3 [member] | Loans to consumers [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 574 849 626 820
Provision for credit losses        
Remeasurement 161 327 305 [5] 579 [5]
Transfer to (from)stage 1 (2) (4) (5) (7)
Transfer to (from)stage 2 (13) (19) (27) (38)
Transfer to (from)stage 3 50 192 101 349
Gross write-offs (275) (547) (582) (953)
Recoveries 64 64 131 127
Foreign exchange and other movements 7 (41) 17 (56)
Balance at end of period [6] 566 821 566 821
Stage 3 [member] | Loans to consumers [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 566 821 566 821
Stage 3 [member] | Loans to consumers [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     626  
Stage 3 [member] | Credit Card [member]        
Provision for credit losses        
Remeasurement 106 323 215 [5] 474 [5]
Transfer to (from)stage 3 33 228 61 298
Gross write-offs (186) (587) (378) (847)
Recoveries 48 42 101 86
Foreign exchange and other movements (1) (6) 1 (11)
Stage 3 [member] | Credit Card [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period 0   0  
Stage 3 [member] | Total Retail Loans [Member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 969 1,255 1,000 1,212
Provision for credit losses        
Remeasurement 276 698 558 [5] 1,160 [5]
Transfer to (from)stage 1 (4) (8) (9) (16)
Transfer to (from)stage 2 (20) (33) (39) (69)
Transfer to (from)stage 3 86 431 168 670
Gross write-offs (477) (1,156) (997) (1,859)
Recoveries 119 112 246 223
Foreign exchange and other movements 10 (68) 32 (90)
Balance at end of period [6] 959 1,231 959 1,231
Stage 3 [member] | Business and government [member]        
Provision for credit losses        
Remeasurement 72 103 148 [5] 209 [5]
Derecognition of financial assets and maturities (7) (1) (18) (3)
Transfer to (from)stage 2   (1)   (1)
Transfer to (from)stage 3 3 3 3 4
Gross write-offs (73) (105) (146) (192)
Recoveries 9 8 18 13
Foreign exchange and other movements (13) (39) (15) (68)
Balance at end of period including off-balance sheet exposures 645 707 645 707
Balance at end of period [6] 645 707 645 707
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period 654 739 655 745
Stage 3 [member] | Business and government [member] | Net Amount [member]        
Provision for credit losses        
Balance at end of period 645 707 645 707
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]        
Provision for credit losses        
Balance at end of period $ 645 $ 707 645 $ 707
Stage 3 [member] | Business and government [member] | Allowance for credit losses on loans [member]        
Disclosure of detailed information about financial instruments [line items]        
Balance at beginning of period     $ 655  
[1] Excludes allowance for credit losses of $177 for other financial assets including acceptances, investment securities, deposits with banks and off-balance sheet credit risks.
[2] Allowance for credit losses on acceptances are recorded against the financial asset in the Consolidated Statement of Financial Position.
[3] Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
[4] Excludes allowance for credit losses of $105 for other financial assets including acceptances, investment securities, deposits with banks and off-balance sheet credit risks.
[5] Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.
[6] Interest income on impaired loans for residential mortgages, personal and credit cards, and business and government loans totaled $63 (January 31, 2022 – $61).