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Deposits (Tables)
 3 Months Ended
Jan. 31, 2026
Text Block [Abstract]  
Summary of Deposits
  
 
As at
 
  
 
January 31, 2026
 
 
October 31
2025
 
 
 
Payable on demand
(1)
 
 
Payable
after
notice
(2)
 
 
 
 
 
 
 
 
 
 
($ millions)
 
Interest-
bearing
 
 
Non-interest-

bearing
 
 
Payable on a
fixed date
(3)
 
 
Total
 
 
Total
 
Personal
 
$
36,114
 
 
$
 11,355
 
 
$
 124,376
 
 
$
 123,354
 
 
$
295,199
 
 
$
301,718
 
Business and government
 
 
194,274
 
 
 
33,241
 
 
 
74,030
 
 
 
329,830
 
 
 
631,375
 
 
 
627,667
 
Financial institutions
 
 
7,870
 
 
 
1,319
 
 
 
3,570
 
 
 
32,349
 
 
 
45,108
 
 
 
36,894
 
 
 
$
 
238,258
 
 
$
45,915
 
 
$
201,976
 
 
$
485,533
 
 
$
 
971,682
 
 
$
966,279
 
Recorded in:
 
 
 
 
 
 
Canada
 
$
164,694
 
 
$
24,408
 
 
$
181,618
 
 
$
329,304
 
 
$
700,024
 
 
$
692,600
 
United States
 
 
40,826
 
 
 
136
 
 
 
9,365
 
 
 
54,679
 
 
 
105,006
 
 
 
101,495
 
United Kingdom
 
 
–
 
 
 
–
 
 
 
378
 
 
 
41,529
 
 
 
41,907
 
 
 
34,046
 
Mexico
 
 
13,423
 
 
 
7,800
 
 
 
–
 
 
 
17,463
 
 
 
38,686
 
 
 
39,091
 
Peru
 
 
11,874
 
 
 
8
 
 
 
1,825
 
 
 
6,487
 
 
 
20,194
 
 
 
19,917
 
Chile
 
 
1,548
 
 
 
5,831
 
 
 
149
 
 
 
16,779
 
 
 
24,307
 
 
 
23,135
 
Colombia
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
10,408
 
Other International
 
 
5,893
 
 
 
7,732
 
 
 
8,641
 
 
 
19,292
 
 
 
41,558
 
 
 
45,587
 
Total
(4)
 
$
238,258
 
 
$
45,915
 
 
$
201,976
 
 
$
485,533
 
 
$
971,682
 
 
$
  966,279
 
  (1)
Deposits payable on demand include all deposits for which the Bank
may
 not have the right to notice of withdrawal, generally chequing accounts.
  (2)
Deposits payable after notice include all deposits for which the Bank
 ma
y
 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)
Deposits denominated in U.S. dollars amount to $310,021 (October 31, 2025 – $297,065), deposits denominated in Chilean pesos amount to $20,881 (October 31, 2025 – $20,053), deposits denominated in Mexican pesos amount to $35,542 (October 31, 2025 – $35,941) and deposits denominated in other foreign currencies amount to $110,665 (October 31, 2025 – $117,530).
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, 2026
   
$
59,932
 
   
$
32,509
 
   
$
59,105
 
   
$
107,238
 
   
$
18,267
 
   
$
277,051
 
As at October 31, 2025
    $  54,287      $  37,607      $  57,519      $  109,573      $  15,165      $  274,151  
  (1)
The majority of foreign term deposits are in excess of $100,000.