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Deposits (Tables)
 3 Months Ended
Jan. 31, 2025
Text Block [Abstract]  
Summary of Deposits
As at
January 31, 2025
October 31
2024
Payable on demand
(1)
Payable
after
notice
(2)
($ millions)
Interest-
bearing
Non-interest-

bearing
Payable on a
fixed date
(3)
Total
Total
Personal
  
$
5,950
 
$
10,647
 
$
149,312
 
$
137,889
 
$
303,798
  $ 298,821  
Business and government
  
186,964
 
32,692
 
61,448
 
336,770
 
617,874
    600,114  
Financial institutions
  
9,705
 
1,458
 
2,198
 
31,016
 
44,377
    44,914  
  
$
202,619
 
$
44,797
 
$
212,958
(4)
 
  
$
505,675
 
$
966,049
  $ 943,849  
Recorded in:
            
Canada
  
$
 142,823
 
$
 24,198
 
$
 174,263
 
$
 350,443
 
$
 691,727
  $  686,817  
United States
  
48,204
 
53
 
2,231
 
48,608
 
99,096
    90,442  
United Kingdom
  
–
 
–
 
180
 
30,906
 
31,086
    27,091  
Mexico
  
154
 
6,936
 
12,588
 
17,875
 
37,553
    36,751  
Peru
  
6,167
 
51
 
5,823
 
6,950
 
18,991
    17,710  
Chile
  
1,418
 
5,254
 
146
 
17,058
 
23,876
    23,232  
Colombia
  
27
 
567
 
3,631
 
4,909
 
9,134
    8,102  
Other International
  
3,826
 
7,738
 
14,096
 
28,926
 
54,586
    53,704  
Total
(5)
  
$
202,619
 
$
44,797
 
$
212,958
 
$
505,675
 
$
966,049
  $ 943,849  
  (1)
Deposits payable on demand include all deposits for which the Bank does not have the right to notice of withdrawal, generally chequing accounts.
  (2)
Deposits payable after notice include all deposits for which the Bank requires 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 $122
 
(October 31, 2024 – $124) of
non-interest-bearing
deposits.
  (5)
Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).
Summary of Maturity Schedule for Term Deposits
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 January 31, 2025
   
$
64,683
  
$
39,867
  
$
61,186
  
$
107,596
  
$
19,024
  
$
292,356
As at October 31, 2024
    $  64,521      $  37,062      $  59,273      $  115,757      $  18,820      $  295,433  
  (1)
The majority of foreign term deposits are in excess of $100,000.