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Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($)
$ in Millions
12 Months Ended
Oct. 31, 2025
Oct. 31, 2024
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year $ 6,723 $ 6,611
Provision for credit losses 4,726 [1] 4,062 [2]
Net write-offs (3,808) (3,523)
Other, including foreign currency adjustment (2) (427)
Provision for credit losses    
Balance at end of year 7,639 6,723
Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 6,536 [3] 6,372
Provision for credit losses    
Balance at end of year 7,463 [4] 6,536 [3]
Allowance for credit losses on acceptances [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [5] 1 90
Provision for credit losses    
Balance at end of year [5] 1 1
Allowance for credit losses on off balance sheet exposures [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [6] 186 149
Provision for credit losses    
Balance at end of year [6] 175 186
Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,208 [7] 1,084
Provision for credit losses 304 [1] 257 [2]
Net write-offs (110) (76)
Other, including foreign currency adjustment 58 (57)
Provision for credit losses    
Remeasurement [8] 305 266
Newly originated or purchased financial assets 47 41
Derecognition of financial assets and maturities (41) (31)
Changes in models and methodologies [9] (7) (19)
Gross write-offs (135) (100)
Recoveries 25 24
Foreign exchange and other movements [10] 58 (57)
Balance at end of year [7] 1,460 1,208
Residential mortgages [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,208  
Provision for credit losses    
Balance at end of year 1,460 1,208
Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,319 [7] 2,414
Provision for credit losses 1,951 [1] 1,893 [2]
Net write-offs (1,814) (1,857)
Other, including foreign currency adjustment (24) (131)
Provision for credit losses    
Remeasurement [8] 1,822 1,787
Newly originated or purchased financial assets 390 365
Derecognition of financial assets and maturities (236) (287)
Changes in models and methodologies [9] (25) 28
Gross write-offs (2,127) (2,145)
Recoveries 313 288
Foreign exchange and other movements [10] (24) (131)
Balance at end of year [7] 2,432 2,319
Personal loans [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,319  
Provision for credit losses    
Balance at end of year 2,432 2,319
Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,160 [7] 1,237
Provision for credit losses 1,399 [1] 1,122 [2]
Net write-offs (1,242) (1,166)
Other, including foreign currency adjustment 38 (33)
Provision for credit losses    
Remeasurement [8] 1,354 1,117
Newly originated or purchased financial assets 139 136
Derecognition of financial assets and maturities (84) (114)
Changes in models and methodologies [9] (10) (17)
Gross write-offs (1,466) (1,356)
Recoveries 224 190
Foreign exchange and other movements [10] 38 (33)
Balance at end of year [7] 1,355 1,160
Credit cards [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,160  
Provision for credit losses    
Balance at end of year 1,355 1,160
Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 4,687 [7] 4,735
Provision for credit losses    
Remeasurement [8] 3,481 3,170
Newly originated or purchased financial assets 576 542
Derecognition of financial assets and maturities (361) (432)
Changes in models and methodologies [9] (42) (8)
Gross write-offs (3,728) (3,601)
Recoveries 562 502
Foreign exchange and other movements [10] 72 (221)
Balance at end of year [7] 5,247 4,687
Business and government [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,036 1,876
Provision for credit losses 1,072 [1] 790 [2]
Net write-offs (642) (424)
Other, including foreign currency adjustment (74) (206)
Provision for credit losses    
Remeasurement [8] 1,122 700
Newly originated or purchased financial assets 1,311 936
Derecognition of financial assets and maturities (1,362) (995)
Changes in models and methodologies [9]   237
Gross write-offs (700) (484)
Recoveries 58 60
Foreign exchange and other movements (73) (205)
Balance at end of period including off-balance sheet exposures [7] 2,391 2,035
Less: Allowance for credits losses on off-balance sheet exposures [6],[7] (175) (186)
Balance at end of year 2,392 2,036
Business and government [member] | Gross carrying amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,035 1,786
Provision for credit losses    
Balance at end of year   2,035
Business and government [member] | Net Amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [7] 1,849  
Provision for credit losses    
Balance at end of year [7] 2,216 1,849
Business and government [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,849  
Provision for credit losses    
Balance at end of year 2,216 1,849
Stage 1 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 1,583  
Provision for credit losses    
Balance at end of year 1,860 [4] 1,583 [3]
Stage 1 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 165 [7] 265
Provision for credit losses    
Remeasurement [8] (235) (271)
Newly originated or purchased financial assets 47 41
Derecognition of financial assets and maturities (8) (9)
Changes in models and methodologies [9] (2) (22)
Transfer to (from)stage 1 268 215
Transfer to (from)stage 2 (44) (40)
Foreign exchange and other movements [10] 5 (14)
Balance at end of year [7] 196 165
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 165  
Provision for credit losses    
Balance at end of year 196 165
Stage 1 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 544 [7] 647
Provision for credit losses    
Remeasurement [8] (620) (686)
Newly originated or purchased financial assets 390 365
Derecognition of financial assets and maturities (92) (97)
Changes in models and methodologies [9] 3 (68)
Transfer to (from)stage 1 620 658
Transfer to (from)stage 2 (207) (231)
Transfer to (from)stage 3 (8) (13)
Foreign exchange and other movements [10] (17) (31)
Balance at end of year [7] 613 544
Stage 1 [member] | Personal loans [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 544  
Provision for credit losses    
Balance at end of year 613 544
Stage 1 [member] | Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 288 [7] 414
Provision for credit losses    
Remeasurement [8] (319) (361)
Newly originated or purchased financial assets 139 136
Derecognition of financial assets and maturities (43) (53)
Changes in models and methodologies [9]   (38)
Transfer to (from)stage 1 390 335
Transfer to (from)stage 2 (128) (135)
Foreign exchange and other movements [10] 11 (10)
Balance at end of year [7] 338 288
Stage 1 [member] | Credit cards [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 288  
Provision for credit losses    
Balance at end of year 338 288
Stage 1 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 997 [7] 1,326
Provision for credit losses    
Remeasurement [8] (1,174) (1,318)
Newly originated or purchased financial assets 576 542
Derecognition of financial assets and maturities (143) (159)
Changes in models and methodologies [9] 1 (128)
Transfer to (from)stage 1 1,278 1,208
Transfer to (from)stage 2 (379) (406)
Transfer to (from)stage 3 (8) (13)
Foreign exchange and other movements [10] (1) (55)
Balance at end of year [7] 1,147 997
Stage 1 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] (66) (210)
Newly originated or purchased financial assets 1,311 936
Derecognition of financial assets and maturities (1,170) (860)
Changes in models and methodologies [9]   200
Transfer to (from)stage 1 120 154
Transfer to (from)stage 2 (89) (110)
Transfer to (from)stage 3 (3)  
Foreign exchange and other movements 12 (6)
Balance at end of period including off-balance sheet exposures [7] 854 739
Less: Allowance for credits losses on off-balance sheet exposures [6],[7] (141) (153)
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 739 635
Provision for credit losses    
Balance at end of year   739
Stage 1 [member] | Business and government [member] | Net Amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [7] 586  
Provision for credit losses    
Balance at end of year [7] 713 586
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 586  
Provision for credit losses    
Balance at end of year 713 586
Stage 2 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 2,899  
Provision for credit losses    
Balance at end of year 3,262 [4] 2,899 [3]
Stage 2 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 398 [7] 321
Provision for credit losses    
Remeasurement [8] 117 164
Derecognition of financial assets and maturities (33) (22)
Changes in models and methodologies [9] (14) 3
Transfer to (from)stage 1 (216) (165)
Transfer to (from)stage 2 258 197
Transfer to (from)stage 3 (101) (84)
Foreign exchange and other movements [10] 15 (16)
Balance at end of year [7] 424 398
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 398  
Provision for credit losses    
Balance at end of year 424 398
Stage 2 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,154 [7] 1,103
Provision for credit losses    
Remeasurement [8] 997 976
Derecognition of financial assets and maturities (144) (190)
Changes in models and methodologies [9] (33) 96
Transfer to (from)stage 1 (604) (642)
Transfer to (from)stage 2 326 344
Transfer to (from)stage 3 (473) (504)
Foreign exchange and other movements [10] (8) (29)
Balance at end of year [7] 1,215 1,154
Stage 2 [member] | Personal loans [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,154  
Provision for credit losses    
Balance at end of year 1,215 1,154
Stage 2 [member] | Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 872 [7] 823
Provision for credit losses    
Remeasurement [8] 820 643
Derecognition of financial assets and maturities (41) (61)
Changes in models and methodologies [9] (10) 21
Transfer to (from)stage 1 (390) (335)
Transfer to (from)stage 2 128 135
Transfer to (from)stage 3 (380) (330)
Foreign exchange and other movements [10] 18 (24)
Balance at end of year [7] 1,017 872
Stage 2 [member] | Credit cards [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 872  
Provision for credit losses    
Balance at end of year 1,017 872
Stage 2 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,424 [7] 2,247
Provision for credit losses    
Remeasurement [8] 1,934 1,783
Derecognition of financial assets and maturities (218) (273)
Changes in models and methodologies [9] (57) 120
Transfer to (from)stage 1 (1,210) (1,142)
Transfer to (from)stage 2 712 676
Transfer to (from)stage 3 (954) (918)
Foreign exchange and other movements [10] 25 (69)
Balance at end of year [7] 2,656 2,424
Stage 2 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] 335 288
Derecognition of financial assets and maturities (145) (126)
Changes in models and methodologies [9]   37
Transfer to (from)stage 1 (120) (154)
Transfer to (from)stage 2 94 114
Transfer to (from)stage 3 (33) (21)
Foreign exchange and other movements 1 (33)
Balance at end of period including off-balance sheet exposures [7] 640 508
Less: Allowance for credits losses on off-balance sheet exposures [6],[7] (34) (33)
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 508 403
Provision for credit losses    
Balance at end of year   508
Stage 2 [member] | Business and government [member] | Net Amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [7] 475  
Provision for credit losses    
Balance at end of year [7] 606 475
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 475  
Provision for credit losses    
Balance at end of year 606 475
Stage 3 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 2,054  
Provision for credit losses    
Balance at end of year 2,341 [4] 2,054 [3]
Stage 3 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 645 [7] 498
Provision for credit losses    
Remeasurement [8] 423 373
Changes in models and methodologies [9] 9  
Transfer to (from)stage 1 (52) (50)
Transfer to (from)stage 2 (214) (157)
Transfer to (from)stage 3 101 84
Gross write-offs (135) (100)
Recoveries 25 24
Foreign exchange and other movements [10] 38 (27)
Balance at end of year [7] 840 645
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 645  
Provision for credit losses    
Balance at end of year 840 645
Stage 3 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 621 [7] 664
Provision for credit losses    
Remeasurement [8] 1,445 1,497
Changes in models and methodologies [9] 5  
Transfer to (from)stage 1 (16) (16)
Transfer to (from)stage 2 (119) (113)
Transfer to (from)stage 3 481 517
Gross write-offs (2,127) (2,145)
Recoveries 313 288
Foreign exchange and other movements [10] 1 (71)
Balance at end of year [7] 604 621
Stage 3 [member] | Personal loans [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 621  
Provision for credit losses    
Balance at end of year 604 621
Stage 3 [member] | Credit cards [member]    
Provision for credit losses    
Remeasurement [8] 853 835
Transfer to (from)stage 3 380 330
Gross write-offs (1,466) (1,356)
Recoveries 224 190
Foreign exchange and other movements [10] 9 1
Stage 3 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,266 [7] 1,162
Provision for credit losses    
Remeasurement [8] 2,721 2,705
Changes in models and methodologies [9] 14  
Transfer to (from)stage 1 (68) (66)
Transfer to (from)stage 2 (333) (270)
Transfer to (from)stage 3 962 931
Gross write-offs (3,728) (3,601)
Recoveries 562 502
Foreign exchange and other movements [10] 48 (97)
Balance at end of year [7] 1,444 1,266
Stage 3 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] 853 622
Derecognition of financial assets and maturities (47) (9)
Transfer to (from)stage 2 (5) (4)
Transfer to (from)stage 3 36 21
Gross write-offs (700) (484)
Recoveries 58 60
Foreign exchange and other movements (86) (166)
Balance at end of period including off-balance sheet exposures [7] 897 788
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 788 748
Provision for credit losses    
Balance at end of year   788
Stage 3 [member] | Business and government [member] | Net Amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [7] 788  
Provision for credit losses    
Balance at end of year [7] 897 788
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 788  
Provision for credit losses    
Balance at end of year $ 897 $ 788
[1] Excludes amounts associated with other assets of $(12). The provision for credit losses, net of these amounts, is $4,714.
[2] Excludes amounts associated with other assets and reversal of impairment losses of $(11). The provision for credit losses, net of these amounts, is $4,051.
[3] Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos which amounted to $200.
[4] Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos which amounted to $191.
[5] Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
[6] Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
[7] Interest income on impaired loans for residential mortgages, personal loans, credit cards, and business and government loans totaled $439 (2024 – $443).
[8] 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.
[9] Comprises changes due to enhanced IFRS 9 models, including changes to reflect previously established expert credit judgment overlays that are now incorporated in the model.
[10] Divestitures are included in the foreign exchange and other movements.