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Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($)
$ in Millions
3 Months Ended
Jan. 31, 2026
Jan. 31, 2025
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year $ 7,639 $ 6,723
Provision for credit losses 1,177 [1] 1,180 [2]
Net write-offs (949) (954)
Other, including foreign currency adjustment (695) 116
Provision for credit losses    
Balance at end of year 7,172 7,065
Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 7,463 [3] 6,536
Provision for credit losses    
Balance at end of year 7,002 [4] 6,857 [5]
Allowance for credit losses on acceptances [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [6] 1 1
Provision for credit losses    
Balance at end of year [6]   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 [7] 175 186
Provision for credit losses    
Balance at end of year [7] 170 207
Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,460 1,208
Provision for credit losses 69 [1] 64 [2]
Net write-offs (27) (16)
Other, including foreign currency adjustment (63) 24
Provision for credit losses    
Remeasurement [8] 71 67
Newly originated or purchased financial assets 11 12
Derecognition of financial assets and maturities (13) (8)
Changes in models and methodologies 0 (7)
Gross write-offs (34) (24)
Recoveries 7 8
Foreign exchange and other movements [9] (63) 24
Balance at end of year 1,439 1,280
Residential mortgages [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,460  
Provision for credit losses    
Balance at end of year 1,439 1,280
Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,432 2,319
Provision for credit losses 468 [1] 548 [2]
Net write-offs (419) (485)
Other, including foreign currency adjustment (265) 44
Provision for credit losses    
Remeasurement [8] 439 507
Newly originated or purchased financial assets 82 101
Derecognition of financial assets and maturities (53) (64)
Changes in models and methodologies   4
Gross write-offs (489) (558)
Recoveries 70 73
Foreign exchange and other movements [9] (265) 44
Balance at end of year 2,216 2,426
Personal loans [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,432  
Provision for credit losses    
Balance at end of year 2,216 2,426
Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,355 1,160
Provision for credit losses 351 [1] 325 [2]
Net write-offs (316) (331)
Other, including foreign currency adjustment (175) 31
Provision for credit losses    
Remeasurement [8] 343 326
Newly originated or purchased financial assets 21 32
Derecognition of financial assets and maturities (13) (24)
Changes in models and methodologies   (9)
Gross write-offs (375) (373)
Recoveries 59 42
Foreign exchange and other movements [9] (175) 31
Balance at end of year 1,215 1,185
Credit cards [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,355  
Provision for credit losses    
Balance at end of year 1,215 1,185
Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 5,247 4,687
Provision for credit losses    
Remeasurement [8] 853 900
Newly originated or purchased financial assets 114 145
Derecognition of financial assets and maturities (79) (96)
Changes in models and methodologies   (12)
Gross write-offs (898) (955)
Recoveries 136 123
Foreign exchange and other movements [9] (503) 99
Balance at end of year 4,870 4,891
Business and government [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,392 2,036
Provision for credit losses 289 [1] 243 [2]
Net write-offs (187) (122)
Other, including foreign currency adjustment (192) 17
Provision for credit losses    
Remeasurement [8] 319 235
Newly originated or purchased financial assets 333 358
Derecognition of financial assets and maturities (362) (350)
Gross write-offs (198) (140)
Recoveries 11 18
Foreign exchange and other movements [9] (192) 17
Balance at end of period including off-balance sheet exposures 2,302 2,173
Less: Allowance for credits losses on off-balance sheet exposures [7] (170) (207)
Balance at end of year 2,302 2,174
Business and government [member] | Gross carrying amount [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,391 2,035
Business and government [member] | Net Amount [member]    
Provision for credit losses    
Balance at end of year [7] 2,132 1,966
Business and government [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,216  
Provision for credit losses    
Balance at end of year 2,132 1,966
Stage 1 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 1,860  
Provision for credit losses    
Balance at end of year 1,634 [4] 1,623 [5]
Stage 1 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 196 165
Provision for credit losses    
Remeasurement [8] (62) (58)
Newly originated or purchased financial assets 11 12
Derecognition of financial assets and maturities (2) (2)
Changes in models and methodologies   (2)
Transfer to (from)stage 1 68 53
Transfer to (from)stage 2 (10) (10)
Foreign exchange and other movements [9] (7) 2
Balance at end of year 194 160
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 196  
Provision for credit losses    
Balance at end of year 194 160
Stage 1 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 613 544
Provision for credit losses    
Remeasurement [8] (163) (162)
Newly originated or purchased financial assets 82 101
Derecognition of financial assets and maturities (21) (23)
Changes in models and methodologies   (7)
Transfer to (from)stage 1 152 150
Transfer to (from)stage 2 (40) (58)
Transfer to (from)stage 3 (1) (2)
Foreign exchange and other movements [9] (87) 11
Balance at end of year 535 554
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 613  
Provision for credit losses    
Balance at end of year 535 554
Stage 1 [member] | Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 338 288
Provision for credit losses    
Remeasurement [8] (72) (81)
Newly originated or purchased financial assets 21 32
Derecognition of financial assets and maturities (8) (13)
Changes in models and methodologies   (2)
Transfer to (from)stage 1 80 88
Transfer to (from)stage 2 (27) (27)
Foreign exchange and other movements [9] (75) 10
Balance at end of year 257 295
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 338  
Provision for credit losses    
Balance at end of year 257 295
Stage 1 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,147 997
Provision for credit losses    
Remeasurement [8] (297) (301)
Newly originated or purchased financial assets 114 145
Derecognition of financial assets and maturities (31) (38)
Changes in models and methodologies   (11)
Transfer to (from)stage 1 300 291
Transfer to (from)stage 2 (77) (95)
Transfer to (from)stage 3 (1) (2)
Foreign exchange and other movements [9] (169) 23
Balance at end of year 986 1,009
Stage 1 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] (55) (11)
Newly originated or purchased financial assets 333 358
Derecognition of financial assets and maturities (298) (315)
Transfer to (from)stage 1 26 25
Transfer to (from)stage 2 (19) (22)
Transfer to (from)stage 3   (1)
Foreign exchange and other movements [9] (57) 17
Balance at end of period including off-balance sheet exposures 784 790
Less: Allowance for credits losses on off-balance sheet exposures [7] (136) (176)
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 854 739
Stage 1 [member] | Business and government [member] | Net Amount [member]    
Provision for credit losses    
Balance at end of year [7] 648 614
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 713  
Provision for credit losses    
Balance at end of year 648 614
Stage 2 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 3,262  
Provision for credit losses    
Balance at end of year 3,081 [4] 3,044 [5]
Stage 2 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 424 398
Provision for credit losses    
Remeasurement [8] 43 36
Derecognition of financial assets and maturities (11) (6)
Changes in models and methodologies   (14)
Transfer to (from)stage 1 (58) (43)
Transfer to (from)stage 2 64 55
Transfer to (from)stage 3 (26) (25)
Foreign exchange and other movements [9] (25) 8
Balance at end of year 411 409
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 424  
Provision for credit losses    
Balance at end of year 411 409
Stage 2 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,215 1,154
Provision for credit losses    
Remeasurement [8] 228 279
Derecognition of financial assets and maturities (32) (41)
Changes in models and methodologies   3
Transfer to (from)stage 1 (149) (146)
Transfer to (from)stage 2 66 85
Transfer to (from)stage 3 (117) (124)
Foreign exchange and other movements [9] (100) 15
Balance at end of year 1,111 1,225
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 1,215  
Provision for credit losses    
Balance at end of year 1,111 1,225
Stage 2 [member] | Credit cards [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,017 872
Provision for credit losses    
Remeasurement [8] 197 168
Derecognition of financial assets and maturities (5) (11)
Changes in models and methodologies   (7)
Transfer to (from)stage 1 (80) (88)
Transfer to (from)stage 2 27 27
Transfer to (from)stage 3 (98) (88)
Foreign exchange and other movements [9] (100) 17
Balance at end of year 958 890
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 1,017  
Provision for credit losses    
Balance at end of year 958 890
Stage 2 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 2,656 2,424
Provision for credit losses    
Remeasurement [8] 468 483
Derecognition of financial assets and maturities (48) (58)
Changes in models and methodologies   (18)
Transfer to (from)stage 1 (287) (277)
Transfer to (from)stage 2 157 167
Transfer to (from)stage 3 (241) (237)
Foreign exchange and other movements [9] (225) 40
Balance at end of year 2,480 2,524
Stage 2 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] 114 67
Derecognition of financial assets and maturities (61) (27)
Transfer to (from)stage 1 (26) (25)
Transfer to (from)stage 2 19 23
Transfer to (from)stage 3 (15) (5)
Foreign exchange and other movements [9] (36) 10
Balance at end of period including off-balance sheet exposures 635 551
Less: Allowance for credits losses on off-balance sheet exposures [7] (34) (31)
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 640 508
Stage 2 [member] | Business and government [member] | Net Amount [member]    
Provision for credit losses    
Balance at end of year [7] 601 520
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 606  
Provision for credit losses    
Balance at end of year 601 520
Stage 3 [member] | Allowance for credit losses [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year [3] 2,341  
Provision for credit losses    
Balance at end of year 2,287 [4] 2,190 [5]
Stage 3 [member] | Residential mortgages [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 840 645
Provision for credit losses    
Remeasurement [8] 90 89
Changes in models and methodologies   9
Transfer to (from)stage 1 (10) (10)
Transfer to (from)stage 2 (54) (45)
Transfer to (from)stage 3 26 25
Gross write-offs (34) (24)
Recoveries 7 8
Foreign exchange and other movements [9] (31) 14
Balance at end of year 834 711
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 840  
Provision for credit losses    
Balance at end of year 834 711
Stage 3 [member] | Personal loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 604 621
Provision for credit losses    
Remeasurement [8] 374 390
Changes in models and methodologies   8
Transfer to (from)stage 1 (3) (4)
Transfer to (from)stage 2 (26) (27)
Transfer to (from)stage 3 118 126
Gross write-offs (489) (558)
Recoveries 70 73
Foreign exchange and other movements [9] (78) 18
Balance at end of year 570 647
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 604  
Provision for credit losses    
Balance at end of year 570 647
Stage 3 [member] | Credit cards [member]    
Provision for credit losses    
Remeasurement [8] 218 239
Transfer to (from)stage 3 98 88
Gross write-offs (375) (373)
Recoveries 59 42
Foreign exchange and other movements [9]   4
Stage 3 [member] | Total retail loans [member]    
Disclosure of detailed information about financial instruments [line items]    
Balance at beginning of the year 1,444 1,266
Provision for credit losses    
Remeasurement [8] 682 718
Changes in models and methodologies   17
Transfer to (from)stage 1 (13) (14)
Transfer to (from)stage 2 (80) (72)
Transfer to (from)stage 3 242 239
Gross write-offs (898) (955)
Recoveries 136 123
Foreign exchange and other movements [9] (109) 36
Balance at end of year 1,404 1,358
Stage 3 [member] | Business and government [member]    
Provision for credit losses    
Remeasurement [8] 260 179
Derecognition of financial assets and maturities (3) (8)
Transfer to (from)stage 2   (1)
Transfer to (from)stage 3 15 6
Gross write-offs (198) (140)
Recoveries 11 18
Foreign exchange and other movements [9] (99) (10)
Balance at end of period including off-balance sheet exposures 883 832
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 897 788
Stage 3 [member] | Business and government [member] | Net Amount [member]    
Provision for credit losses    
Balance at end of year [7] 883 832
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 897  
Provision for credit losses    
Balance at end of year $ 883 $ 832
[1] Excludes amounts associated with other assets of $(1). The provision for credit losses, net of these amounts, is $1,176.
[2] Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $1,162.
[3] Excludes allowance for credit losses of $191 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[4] Excludes allowance for credit losses of $183 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[5] Excludes allowance for credit losses of $223 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.
[6] Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.
[7] Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.
[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] Includes impact of divested operations.