Bank of Montreal (BMO) 6-K 27 Aug 19 2019 Q3 BMO Financial Group Reports Third Quarter 2019 Results Financial data

Document and Entity Information

Document and Entity Information	9 Months Ended
	Jul. 31, 2019
Document and entity information [abstract]
Document Type	6-K
Amendment Flag	false
Document Period End Date	Jul. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Entity Registrant Name	BANK OF MONTREAL /CAN/
Entity Central Index Key	0000927971
Current Fiscal Year End Date	--10-31

Consolidated Statement of Incom

Consolidated Statement of Income - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Interest, Dividend and Fee Income
Loans	$ 5,109	$ 4,814	$ 4,246	$ 14,718	$ 11,789
Securities (Note 2)	1,407	1,405	1,043	4,126	2,933
Deposits with banks	187	183	161	592	435
Interest, Dividend and Fee Income	6,703	6,402	5,450	19,436	15,157
Interest Expense
Deposits	2,224	2,110	1,626	6,413	4,199
Subordinated debt	69	69	55	208	165
Other liabilities	1,193	1,088	887	3,291	2,370
Interest Expense	3,486	3,267	2,568	9,912	6,734
Net Interest Income	3,217	3,135	2,882	9,524	8,423
Non-Interest Revenue (Note 1)
Securities commissions and fees	259	254	259	761	769
Deposit and payment service charges	309	290	291	890	844
Trading revenues	115	111	228	319	574
Lending fees	314	277	248	868	731
Card fees	109	116	117	330	317
Investment management and custodial fees	444	426	447	1,298	1,308
Mutual fund revenues	357	356	372	1,060	1,114
Underwriting and advisory fees	260	261	264	765	699
Securities gains, other than trading	90	42	51	181	156
Foreign exchange gains, other than trading	48	51	41	137	140
Insurance revenue	989	710	427	2,748	1,394
Investments in associates and joint ventures	31	52	44	112	129
Other	124	132	123	403	414
Non-Interest Revenue	3,449	3,078	2,912	9,872	8,589
Total Revenue	6,666	6,213	5,794	19,396	17,012
Provision for Credit Losses (Note 3)	306	176	186	619	487
Insurance Claims, Commissions and Changes in Policy Benefit Liabilities	887	561	269	2,374	962
Non-Interest Expense (Note 1)
Employee compensation	1,960	2,010	1,873	6,042	5,848
Premises and equipment	734	767	672	2,229	2,008
Amortization of intangible assets	135	138	126	406	378
Travel and business development	142	143	126	411	369
Communications	72	78	70	224	212
Professional fees	141	141	144	403	412
Other	307	318	348	928	1,057
Non-Interest Expense	3,491	3,595	3,359	10,643	10,284
Income (loss) before taxes	1,982	1,881	1,980	5,760	5,279
Provision for income taxes (Note 12)	425	384	443	1,196	1,523
Net Income attributable to Equity Holders of the Bank	$ 1,557	$ 1,497	$ 1,537	$ 4,564	$ 3,756
Earnings Per Share (Canadian $) (Note 11)
Basic	$ 2.34	$ 2.27	$ 2.32	$ 6.90	$ 5.61
Diluted	2.34	2.26	2.31	6.88	5.60
Common shares [member]
Earnings Per Share (Canadian $) (Note 11)
Dividends per common share	$ 1.03	$ 1	$ 0.96	$ 3.03	$ 2.82

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Statement [LineItems]
Net Income		$ 1,557	$ 1,497	$ 1,537	$ 4,564	$ 3,756
Other Comprehensive Income (Loss), net of taxes
Reclassification to earnings of (gains) in the period	[1]	(14)	(15)	(7)	(43)	(43)
Other comprehensive income net of tax available for sale financial assets		98	31	9	302	(245)
Net change in unrealized gains (losses) on cash flow hedges
Gains (losses) on derivatives designated as cash flow hedges arising during the period	[2]	290	433	(218)	1,480	(919)
Reclassification to earnings of losses on derivatives designated as cash flow hedges in the period	[3]	36	49	101	122	216
Other comprehensive income net of tax cash flow hedges		326	482	(117)	1,602	(703)
Net gains (losses) on translation of net foreign operations
Unrealized gains (losses) on translation of net foreign operations		(577)	556	145	(46)	114
Unrealized gains (losses) on hedges of net foreign operations	[4]	94	(103)	(43)	4	(93)
Other comprehensive income, net of taxes, translation of net foreign operations		(483)	453	102	(42)	21
Gains (losses) on remeasurement of pension and other employee future benefit plans	[5]	(233)	(2)	204	(383)	303
Gains (losses) on remeasurement of own credit risk on financial liabilities designed at fair value	[6]	31	(98)	26	12	(6)
Items that will not be reclassified to net income		(202)	(100)	230	(371)	297
Other Comprehensive Income (Loss), net of taxes		(261)	866	224	1,491	(630)
Total Comprehensive Income attributable to Equity Holders of the Bank		1,296	2,363	1,761	6,055	3,126
Debt securities [member]
Other Comprehensive Income (Loss), net of taxes
Unrealized gains (losses) on fair value through OCI debt securities arising during the period	[7]	$ 112	$ 46	$ 16	$ 345	$ (202)
[1]	Net of income tax provision of $5 million, $5 million, $3 million for the three months ended, and $15 million, $15 million for the nine months ended, respectively
[2]	Net of income tax (provision) recovery of $(106) million, $(156) million, $78 million for the three months ended, and $(536) million, $318 million for the nine months ended, respectively.
[3]	Net of income tax (recovery) of $(13) million, $(18) million, $(37) million for the three months ended, and $(44) million, $(78) million for the nine months ended, respectively.
[4]	Net of income tax (provision) recovery of $(35) million, $38 million, $16 million for the three months ended, and $(2) million, $34 million for the nine months ended, respectively.
[5]	Net of income tax (provision) recovery of $83 million, $1 million, $(74) million for the three months ended, and $138 million, $(134) million for the nine months ended, respectively.
[6]	Net of income tax (provision) recovery of $(11) million, $36 million, $(12) million for the three months ended, and $(4) million, $(1) million for the nine months ended, respectively.
[7]	Net of income tax (provision) recovery of $(39) million, $(17) million, $(7) million for the three months ended, and $(117) million, $47 million for the nine months ended, respectively.

Consolidated Statement of Com_2

Consolidated Statement of Comprehensive Income (Parenthetical) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Statement [LineItems]
Net of income tax provision, reclassification to earnings of (gains) losses	$ 5	$ 5	$ 3	$ 15	$ 15
Net of income tax (provision) recovery, gains (losses) on derivatives designated as cash flow hedges	(106)	(156)	78	(536)	318
Net of income tax recovery, reclassification to earnings of losses on derivatives designated as cash flow hedges	(13)	(18)	(37)	(44)	(78)
Net of income tax (provision) recovery, unrealized gains on hedges of net foreign operations	(35)	38	16	(2)	34
Net of income tax (provision) recovery, gains (losses) on remeasurement of pension and other employee future benefit plans	83	1	(74)	138	(134)
Net of income tax (provision) recovery, gains (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(11)	36	(12)	(4)	(1)
Debt securities [member]
Statement [LineItems]
Net of income tax (provision) recovery, unrealized gains (losses) on fair value through OCI securities	$ (39)	$ (17)	$ (7)	$ (117)	$ 47

Consolidated Balance Sheet

Consolidated Balance Sheet - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Assets
Cash and Cash Equivalents	$ 38,938	$ 35,839	$ 42,142
Interest Bearing Deposits with Banks	6,899	7,518	8,305
Securities
Trading	94,906	100,991	99,697
Fair value through profit or loss	13,548	12,904	11,611
Fair value through other comprehensive income	67,434	68,668	62,440
Debt securities at amortized cost	15,024	7,881	6,485
Other	813	782	702
Securities, net	191,725	191,226	180,935
Securities Borrowed or Purchased Under Resale Agreements	106,612	110,405	85,051
Loans
Residential mortgages	122,054	120,778	119,620
Consumer instalment and other personal	65,989	64,454	63,225
Credit cards	8,749	8,467	8,329
Business and government	222,857	221,253	194,456
Loans gross of allowance for loan losses	419,649	414,952	385,630
Allowance for credit losses	(1,802)	(1,710)	(1,639)
Loans,net	417,847	413,242	383,991
Other Assets
Derivative instruments	22,200	20,627	26,204
Customers' liability under acceptances	24,741	21,702	18,585
Premises and equipment	1,989	1,983	1,986
Goodwill	6,329	6,500	6,373
Intangible assets	2,319	2,331	2,272
Current tax assets	1,257	1,309	1,515
Deferred tax assets	1,662	1,765	2,039
Other	16,662	16,023	14,677
Other assets	77,159	72,240	73,651
Total Assets	839,180	830,470	774,075
Liabilities and Equity
Deposits	553,383	548,837	520,928
Other Liabilities
Derivative instruments	23,613	21,549	24,411
Acceptances	24,741	21,702	18,585
Securities sold but not yet purchased	27,375	32,023	28,804
Securities lent or sold under repurchase agreements	89,829	87,039	66,684
Securitization and structured entities' liabilities	25,544	25,621	25,051
Current tax liabilities	32	42	50
Deferred tax liabilities	74	73	74
Other	37,070	37,236	36,985
Other liabilities	228,278	225,285	200,644
Subordinated debt	6,876	6,953	6,782
Equity
Contributed surplus	303	307	300
Retained earnings	28,241	27,405	25,850
Accumulated other comprehensive income	3,793	4,054	2,302
Total Equity	50,643	49,395	45,721
Total Liabilities and Equity	839,180	830,470	774,075
Preferred shares [member]
Equity
Issued capital	5,348	4,690	4,340
Total Equity	5,348	4,690	4,340
Common shares [member]
Equity
Issued capital	12,958	12,939	12,929
Total Equity	$ 12,958	$ 12,939	$ 12,929

Consolidated Statement of Chang

Consolidated Statement of Changes in Equity - CAD ($) $ in Millions	Total		Debt securities [member]	[4]	Share premium [member]	Retained earnings [member]	Accumulated other comprehensive income (loss) on Fair Value through OCI Securities, net of taxes [member]	Accumulated other comprehensive income (loss) on Fair Value through OCI Securities, net of taxes [member]Debt securities [member]	Accumulated Other Comprehensive Income (Loss) on derivatives designated as Cash Flow Hedges, net of taxes [member]	Accumulated other comprehensive income on translation of net foreign operations, net of taxes [member]	Accumulated other comprehensive income (loss) on pension and other employee future benefit plans, net of taxes [member]	Accumulated other comprehensive income (loss) on own credit risk on financial liabilities designated at fair value, net of taxes [member]	Total accumulated other comprehensive income [member]	Preferred shares [member]	Preferred shares [member]Retained earnings [member]	Common shares [member]	Common shares [member]Retained earnings [member]
Balance at beginning of period at Oct. 31, 2017					$ 307	$ 23,700	$ 56		$ (182)	$ 3,465	$ (92)	$ (181)		$ 4,240		$ 13,032
Statement [LineItems]
Impact from adopting IFRS 9						99	(55)
Issued under the Stock Option Plan																73
Stock option expense, net of options exercised					(10)
Gains (losses) on derivatives designated as cash flow hedges arising during the period	$ (919)	[1]							(919)
Unrealized gains (losses) on translation of net foreign operations	114									114
Gains (losses) on remeasurement of pension and other employee future benefit plans	303	[2]									303
Gains (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(6)	[3]										(6)
Net income attributable to equity holders of the bank	3,756					3,756
Repurchased for cancellation																(181)
Other					5
Unrealized gains (losses) on fair value through OCI debt securities arising during the period			$ (202)					$ (202)
Reclassification to earnings of losses on derivatives designated as cash flow hedges in the period	216	[5]							216
Unrealized gains (losses) on hedges of net foreign operations	(93)	[6]								(93)
Dividends															$ (141)		$ (1,810)
Reclassification to earnings of (gains) in the period	(43)	[7]					(43)
Common shares repurchased for cancellation (Note 7)						(703)
Balance at End of Period at Jul. 31, 2018	44,748				302	24,901	(244)		(885)	3,486	211	(187)	$ 2,381	4,240		12,924
Balance at beginning of period at Apr. 30, 2018					304	24,110	(253)		(768)	3,384	7	(213)		4,240		12,926
Statement [LineItems]
Issued under the Stock Option Plan																18
Stock option expense, net of options exercised					(1)
Gains (losses) on derivatives designated as cash flow hedges arising during the period	(218)	[1]							(218)
Unrealized gains (losses) on translation of net foreign operations	145									145
Gains (losses) on remeasurement of pension and other employee future benefit plans	204	[2]									204
Gains (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	26	[3]										26
Net income attributable to equity holders of the bank	1,537					1,537
Repurchased for cancellation																(20)
Other					(1)
Unrealized gains (losses) on fair value through OCI debt securities arising during the period			16					16
Reclassification to earnings of losses on derivatives designated as cash flow hedges in the period	101	[5]							101
Unrealized gains (losses) on hedges of net foreign operations	(43)	[6]								(43)
Dividends															(50)		(614)
Reclassification to earnings of (gains) in the period	(7)	[7]					(7)
Common shares repurchased for cancellation (Note 7)						(82)
Balance at End of Period at Jul. 31, 2018	44,748				302	24,901	(244)		(885)	3,486	211	(187)	2,381	4,240		12,924
Balance at beginning of period at Oct. 31, 2018	45,721				300	25,850	(315)		(1,074)	3,727	169	(205)		4,340		12,929
Statement [LineItems]
Issued under the Stock Option Plan																49
Stock option expense, net of options exercised					1
Gains (losses) on derivatives designated as cash flow hedges arising during the period	1,480	[1]							1,480
Unrealized gains (losses) on translation of net foreign operations	(46)									(46)
Issued during the period														1,008
Gains (losses) on remeasurement of pension and other employee future benefit plans	(383)	[2]									(383)
Gains (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	12	[3]										12
Net income attributable to equity holders of the bank	4,564					4,564
Repurchased for cancellation																(20)
Other					2
Unrealized gains (losses) on fair value through OCI debt securities arising during the period			345					345
Reclassification to earnings of losses on derivatives designated as cash flow hedges in the period	122	[5]							122
Unrealized gains (losses) on hedges of net foreign operations	4	[6]								4
Dividends															(159)		(1,936)
Reclassification to earnings of (gains) in the period	(43)	[7]					(43)
Equity issue expense						(8)
Common shares repurchased for cancellation (Note 7)						(70)
Balance at End of Period at Jul. 31, 2019	50,643				303	28,241	(13)		528	3,685	(214)	(193)	3,793	5,348		12,958
Balance at beginning of period at Apr. 30, 2019	49,395				307	27,405	(111)		202	4,168	19	(224)		4,690		12,939
Statement [LineItems]
Issued under the Stock Option Plan																19
Stock option expense, net of options exercised					(3)
Gains (losses) on derivatives designated as cash flow hedges arising during the period	290	[1]							290
Unrealized gains (losses) on translation of net foreign operations	(577)									(577)
Issued during the period														658
Gains (losses) on remeasurement of pension and other employee future benefit plans	(233)	[2]									(233)
Gains (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	31	[3]										31
Net income attributable to equity holders of the bank	1,557					1,557
Other					(1)
Unrealized gains (losses) on fair value through OCI debt securities arising during the period			$ 112					$ 112
Reclassification to earnings of losses on derivatives designated as cash flow hedges in the period	36	[5]							36
Unrealized gains (losses) on hedges of net foreign operations	94	[6]								94
Dividends															$ (59)		$ (658)
Reclassification to earnings of (gains) in the period	(14)	[7]					(14)
Equity issue expense						(4)
Balance at End of Period at Jul. 31, 2019	$ 50,643				$ 303	$ 28,241	$ (13)		$ 528	$ 3,685	$ (214)	$ (193)	$ 3,793	$ 5,348		$ 12,958
[1]	Net of income tax (provision) recovery of $(106) million, $(156) million, $78 million for the three months ended, and $(536) million, $318 million for the nine months ended, respectively.
[2]	Net of income tax (provision) recovery of $83 million, $1 million, $(74) million for the three months ended, and $138 million, $(134) million for the nine months ended, respectively.
[3]	Net of income tax (provision) recovery of $(11) million, $36 million, $(12) million for the three months ended, and $(4) million, $(1) million for the nine months ended, respectively.
[4]	Net of income tax (provision) recovery of $(39) million, $(17) million, $(7) million for the three months ended, and $(117) million, $47 million for the nine months ended, respectively.
[5]	Net of income tax (recovery) of $(13) million, $(18) million, $(37) million for the three months ended, and $(44) million, $(78) million for the nine months ended, respectively.
[6]	Net of income tax (provision) recovery of $(35) million, $38 million, $16 million for the three months ended, and $(2) million, $34 million for the nine months ended, respectively.
[7]	Net of income tax provision of $5 million, $5 million, $3 million for the three months ended, and $15 million, $15 million for the nine months ended, respectively

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Cash Flows from Operating Activities
Net Income	$ 1,557	$ 1,537	$ 4,564	$ 3,756
Adjustments to determine net cash flows provided by (used in) operating activities
Provision on securities, other than trading	1	(1)	2	1
Net (gain) on securities, other than trading	(91)	(50)	(183)	(157)
Net decrease in trading securities	5,290	830	4,814	2,626
Provision for credit losses (Note 3)	306	186	619	487
Change in derivative instruments - (increase) decrease in derivative asset	(196)	2,233	6,130	6,824
- increase (decrease) in derivative liability	350	(1,380)	(3,377)	(6,213)
Amortization of premises and equipment	110	100	326	295
Amortization of other assets	56	54	163	171
Amortization of intangible assets	135	126	406	378
Net decrease in deferred income tax asset	84	108	386	791
Net increase (decrease) in deferred income tax liability	5	43	2	(7)
Net (increase) decrease in current income tax asset	11	320	257	(391)
Net increase (decrease) in current income tax liability	(6)	0	(17)	(86)
Change in accrued interest - (increase) decrease in interest receivable	80	(40)	(117)	(191)
- increase in interest payable	131	88	303	223
Changes in other items and accruals, net	(1,934)	(2,263)	(2,232)	(2,282)
Net increase in deposits	9,149	13,584	33,047	23,042
Net (increase) in loans	(7,568)	(5,402)	(34,470)	(16,587)
Net (decrease) in securities sold but not yet purchased	(4,445)	(1,108)	(1,430)	(800)
Net increase in securities lent or sold under repurchase agreements	3,772	4,117	23,561	27,770
Net (increase) decrease in securities borrowed or purchased under resale agreements	2,528	(6,453)	(22,086)	(26,177)
Net increase (decrease) in securitization and structured entities' liabilities	18	(75)	483	417
Net Cash Provided by Operating Activities	9,343	6,554	11,151	13,890
Cash Flows from Financing Activities
Net increase (decrease) in liabilities of subsidiaries	81	1,294	(1,267)	2,121
Proceeds from issuance of covered bonds	2,290	0	4,168	2,706
Redemption of covered bonds	(1,511)	0	(3,765)	(567)
Proceeds from issuance of subordinated debt (Note 6)	0	0	0	1,566
Repayment of subordinated debt (Note 6)	0	0	0	(900)
Proceeds from issuance of preferred shares and other equity instruments (Note 7)	658	0	1,008	0
Equity issue expense	(4)	0	(8)	0
Proceeds from issuance of common shares (Note 7)	17	16	43	71
Common shares repurchased for cancellation (Note 7)	0	(102)	(90)	(884)
Cash dividends paid	(687)	(642)	(2,035)	(1,918)
Net Cash Provided by (Used in) Financing Activities	844	566	(1,946)	2,195
Cash Flows from Investing Activities
Net (increase) decrease in interest bearing deposits with banks	508	53	1,420	(1,052)
Purchases of securities, other than trading	(16,754)	(9,275)	(43,019)	(31,112)
Maturities of securities, other than trading	2,749	4,378	10,538	9,927
Proceeds from sales of securities, other than trading	7,710	3,187	20,033	15,084
Premises and equipment - net (purchases)	(117)	(49)	(303)	(168)
Purchased and developed software - net (purchases)	(153)	(148)	(457)	(415)
Net Cash (Used in) Investing Activities	(6,057)	(1,854)	(11,788)	(7,736)
Effect of Exchange Rate Changes on Cash and Cash Equivalents	(1,031)	(116)	(621)	124
Net increase (decrease) in Cash and Cash Equivalents	3,099	5,150	(3,204)	8,473
Cash and Cash Equivalents at Beginning of Period	35,839	35,922	42,142	32,599
Cash and Cash Equivalents at End of Period	38,938	41,072	38,938	41,072
Net cash provided by operating activities includes:
Interest paid in the period	3,371	2,391	9,614	6,143
Income taxes paid in the period	432	63	1,145	1,140
Interest received in the period	6,328	4,993	17,945	13,667
Dividends received in the period	$ 431	$ 401	$ 1,274	$ 1,247

Basis of Presentation

Basis of Presentation	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Basis of Presentation	Note 1: Basis of Presentation Bank of Montreal (“the bank”) is a chartered bank under the Bank Act (Canada) These condensed interim consolidated financial statements have been prepared in accordance with International Accounting Standard 34, Interim Financial Reporting Revenue from Contracts with Customers Changes in Accounting Policy Effective November 1, 2018, we adopted IFRS 15 Revenue from Contracts with Customers non-interest non-interest out-of-pocket non-interest The following table summarizes the impacts of applying IFRS 15 on our prior period Consolidated Statement of Income: (Canadian $ in millions) For the three months ended For the nine months ended July 31, 2018 July 31, 2018 Increase (decrease) in Non-Interest Securities commissions and fees - (3 ) Deposit and payment service charges (3 ) (8 ) Card fees (27 ) (104 ) Investment management and custodial fees 1 4 Underwriting and advisory fees 2 5 Other 1 3 (26 ) (103 ) Non-Interest Employee compensation - 1 Travel and business development (31 ) (118 ) Professional fees 2 6 Other 2 6 (27 ) (105 ) Provision for income taxes - 1 Net Income 1 1 Future Changes in IFRS Leases In January 2016, the IASB issued IFRS 16 Leases We have substantially completed our lease assessment and our lease administration system upgrade. In addition, we are developing new processes and internal controls to enable the application of IFRS 16 beginning November 1, 2019. The main impact for the bank will be recording real estate leases on the balance sheet. Currently, most of our real estate leases are classified as operating leases, whereby we record lease expense over the term of the lease with no asset or liability recorded on the balance sheet other than any related leasehold improvements. Under IFRS 16, we will recognize a right-of-use When we adopt IFRS 16, we will recognize the cumulative effect of any changes in opening retained earnings with no changes to prior years.

Securities

Securities	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Securities	Note 2: Securities Classification of Securities The bank’s fair value through profit or loss (“FVTPL”) securities of $13,548 million ($11,611 million as at October 31, 2018) are comprised of $2,830 million mandatorily measured at fair value and $10,718 million designated at fair value ($2,828 million and $8,783 million, respectively, as at October 31, 2018). Our fair value through other comprehensive income (“FVOCI”) securities totalling $67,434 million ($62,440 million as at October 31, 2018), are net of allowance for credit losses of $3 million ($2 million as at October 31, 2018). Amortized cost securities totalling $15,024 million ($6,485 million as at October 31, 2018), are net of allowance for credit losses of $1 million ($1 million as at October 31, 2018). Unrealized Gains and Losses on FVOCI Securities The following table summarizes the unrealized gains and losses: (Canadian $ in millions) July 31, 2019 October 31, 2018 Cost/ Gross Gross Cost/ Gross Gross Amortized unrealized unrealized Fair value Amortized unrealized unrealized Fair value Issued or guaranteed by: Canadian federal government 10,987 65 8 11,044 12,884 1 80 12,805 Canadian provincial and municipal governments 7,045 103 1 7,147 6,896 8 42 6,862 U.S. federal government 17,087 443 14 17,516 17,403 4 584 16,823 U.S. states, municipalities and agencies 4,095 73 3 4,165 3,694 16 55 3,655 Other governments 6,939 128 2 7,065 4,818 2 30 4,790 National Housing Act (NHA) mortgage-backed securities (MBS) 2,114 24 1 2,137 2,382 6 18 2,370 U.S. agency MBS and collateralized mortgage obligations (CMO) 12,828 69 91 12,806 11,811 2 496 11,317 Corporate debt 5,379 97 1 5,475 3,783 6 33 3,756 Corporate equity 79 - - 79 62 - - 62 Total 66,553 1,002 121 67,434 63,733 45 1,338 62,440 Unrealized gains (losses) are disclosed before the impact of any accounting hedges. Interest Income on Debt Securities The following table presents interest income calculated using the effective interest method: (Canadian $ in millions) For the three months ended For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 FVOCI - Debt 403 311 1,202 783 Amortized cost 75 42 163 134 Total 478 353 1,365 917

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	9 Months Ended
	Jul. 31, 2019
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Loans and Allowance for Credit Losses	Note 3: Loans and Allowance for Credit Losses Credit Risk Exposure The following table sets out our credit risk exposure for all loans carried at amortized cost or FVTPL. Stage 1 represents those performing loans carried with a 12 month expected credit loss, Stage 2 represents those performing loans carried with a lifetime expected credit loss, and Stage 3 represents those loans with a lifetime credit loss that are credit impaired. (Canadian $ in millions) July 31, 2019 Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Exceptionally low - - - - Very low 75,567 138 - 75,705 Low 20,513 2,698 - 23,211 Medium 12,639 4,875 - 17,514 High 99 425 - 524 Not rated 4,372 311 - 4,683 Impaired - - 417 417 Allowance for credit losses 14 34 17 65 Carrying amount 113,176 8,413 400 121,989 Loans: Consumer instalment and other personal Exceptionally low 20,704 23 - 20,727 Very low 15,735 169 - 15,904 Low 9,992 343 - 10,335 Medium 10,161 4,139 - 14,300 High 383 1,412 - 1,795 Not rated 2,328 103 - 2,431 Impaired - - 497 497 Allowance for credit losses 84 306 134 524 Carrying amount 59,219 5,883 363 65,465 Loans: Credit cards Exceptionally low 2,429 1 - 2,430 Very low 1,187 22 - 1,209 Low 919 187 - 1,106 Medium 1,947 890 - 2,837 High 129 443 - 572 Not rated 595 - - 595 Impaired - - - - Allowance for credit losses 42 203 - 245 Carrying amount 7,164 1,340 - 8,504 Loans: Business and government (1) Acceptable Investment grade 134,344 989 - 135,333 Sub-investment 94,577 11,107 - 105,684 Watchlist - 5,063 - 5,063 Impaired - - 1,518 1,518 Allowance for credit losses 269 403 296 968 Carrying amount 228,652 16,756 1,222 246,630 Commitments and financial guarantee contracts Acceptable Investment grade 129,427 290 - 129,717 Sub-investment 45,286 7,227 - 52,513 Watchlist - 2,079 - 2,079 Impaired - - 316 316 Allowance for credit losses 127 106 23 256 Carrying amount 174,586 9,490 293 184,369 (1) Includes customers’ liability under acceptances. (Canadian $ in millions) October 31, 2018 Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Exceptionally low - - - - Very low 76,314 125 - 76,439 Low 18,975 2,479 - 21,454 Medium 12,621 3,765 - 16,386 High 90 445 - 535 Not rated 4,250 181 - 4,431 Impaired - - 375 375 Allowance for credit losses 20 37 19 76 Carrying amount 112,230 6,958 356 119,544 Loans: Consumer instalment and other personal Exceptionally low 20,236 20 - 20,256 Very low 13,364 222 - 13,586 Low 12,581 364 - 12,945 Medium 7,707 4,153 - 11,860 High 357 1,427 - 1,784 Not rated 2,105 168 - 2,273 Impaired - - 521 521 Allowance for credit losses 83 312 143 538 Carrying amount 56,267 6,042 378 62,687 Loans: Credit cards Exceptionally low 2,403 4 - 2,407 Very low 1,140 11 - 1,151 Low 943 107 - 1,050 Medium 1,742 874 - 2,616 High 108 428 - 536 Not rated 568 1 - 569 Impaired - - - - Allowance for credit losses 39 191 - 230 Carrying amount 6,865 1,234 - 8,099 Loans: Business and government (1) Acceptable Investment grade 109,774 2,148 - 111,922 Sub-investment 88,348 7,308 - 95,656 Watchlist - 4,423 - 4,423 Impaired - - 1,040 1,040 Allowance for credit losses 232 355 208 795 Carrying amount 197,890 13,524 832 212,246 Commitments and financial guarantee contracts Acceptable Investment grade 116,108 1,722 - 117,830 Sub-investment 44,895 3,426 - 48,321 Watchlist - 1,650 - 1,650 Impaired - - 242 242 Allowance for credit losses 108 96 27 231 Carrying amount 160,895 6,702 215 167,812 (1) Includes customers’ liability under acceptances. Certain comparative figures have been reclassified to conform with the current period’s presentation. Allowance for Credit Losses (“ACL”) The allowance for credit losses recorded in our Consolidated Balance Sheet is maintained at a level we consider adequate to absorb credit-related losses on our loans and other credit instruments. The allowance for credit losses amounted to $2,058 million at July 31, 2019 ($1,870 million at October 31, 2018) of which $1,802 million ($1,639 million at October 31, 2018) was recorded in loans and $256 million ($231 million at October 31, 2018) was recorded in other liabilities in our Consolidated Balance Sheet. Changes in the gross balances, including originations, maturities and repayments in the normal course of operations, impact the allowance for credit losses. The following table shows the continuity in the loss allowance by each product type for the three months ended July 31, 2019: (Canadian $ in millions) For the three months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at April 30, 2019 16 37 44 97 Transfer to Stage 1 7 (6 ) (1 ) - Transfer to Stage 2 (1 ) 2 (1 ) - Transfer to Stage 3 - (3 ) 3 - Net remeasurement of loss allowance (9 ) 6 - (3 ) Loan originations 2 - - 2 Derecognitions and maturities (1 ) (1 ) - (2 ) Total Provision for Credit Losses (“PCL”) (1) (2 ) (2 ) 1 (3 ) Write-offs - - (6 ) (6 ) Recoveries of previous write-offs - - 7 7 Foreign exchange and other - - (8 ) (8 ) Balance as at July 31, 2019 14 35 38 87 Loans: Consumer instalment and other personal Balance as at April 30, 2019 86 324 128 538 Transfer to Stage 1 44 (42 ) (2 ) - Transfer to Stage 2 (4 ) 18 (14 ) - Transfer to Stage 3 (1 ) (32 ) 33 - Net remeasurement of loss allowance (40 ) 66 52 78 Loan originations 12 - - 12 Derecognitions and maturities (4 ) (13 ) - (17 ) Total PCL (1) 7 (3 ) 69 73 Write-offs - - (80 ) (80 ) Recoveries of previous write-offs - - 25 25 Foreign exchange and other (1 ) (1 ) (7 ) (9 ) Balance as at July 31, 2019 92 320 135 547 Loans: Credit cards Balance as at April 30, 2019 77 231 - 308 Transfer to Stage 1 28 (28 ) - - Transfer to Stage 2 (5 ) 5 - - Transfer to Stage 3 (1 ) (46 ) 47 - Net remeasurement of loss allowance (24 ) 79 24 79 Loan originations 5 - - 5 Derecognitions and maturities (1 ) (6 ) - (7 ) Total PCL (1) 2 4 71 77 Write-offs - - (91 ) (91 ) Recoveries of previous write-offs - - 20 20 Foreign exchange and other - 1 - 1 Balance as at July 31, 2019 79 236 - 315 Loans: Business and government Balance as at April 30, 2019 336 423 260 1,019 Transfer to Stage 1 31 (30 ) (1 ) - Transfer to Stage 2 (16 ) 17 (1 ) - Transfer to Stage 3 (1 ) (14 ) 15 - Net remeasurement of loss allowance (23 ) 91 89 157 Loan originations 53 - - 53 Derecognitions and maturities (28 ) (22 ) - (50 ) Total PCL (1) 16 42 102 160 Write-offs - - (52 ) (52 ) Recoveries of previous write-offs - - 2 2 Foreign exchange and other (1 ) (4 ) (15 ) (20 ) Balance as at July 31, 2019 351 461 297 1,109 Total as at July 31, 2019 536 1,052 470 2,058 Comprised of: Loans 409 946 447 1,802 Other credit instruments (2) 127 106 23 256 (1) Excludes provision for credit losses on other assets of $(1) million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the nine months ended July 31, 2019: (Canadian $ in millions) For the nine months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at October 31, 2018 20 38 44 102 Transfer to Stage 1 21 (19 ) (2 ) - Transfer to Stage 2 (2 ) 5 (3 ) - Transfer to Stage 3 - (7 ) 7 - Net remeasurement of loss allowance (29 ) 21 7 (1 ) Loan originations 5 - - 5 Derecognitions and maturities (1 ) (3 ) - (4 ) Total PCL (1) (6 ) (3 ) 9 - Write-offs - - (13 ) (13 ) Recoveries of previous write-offs - - 12 12 Foreign exchange and other - - (14 ) (14 ) Balance as at July 31, 2019 14 35 38 87 Loans: Consumer instalment and other personal Balance as at October 31, 2018 90 326 144 560 Transfer to Stage 1 131 (122 ) (9 ) - Transfer to Stage 2 (13 ) 62 (49 ) - Transfer to Stage 3 (4 ) (84 ) 88 - Net remeasurement of loss allowance (134 ) 168 112 146 Loan originations 35 - - 35 Derecognitions and maturities (12 ) (30 ) - (42 ) Total PCL (1) 3 (6 ) 142 139 Write-offs - - (233 ) (233 ) Recoveries of previous write-offs - - 97 97 Foreign exchange and other (1 ) - (15 ) (16 ) Balance as at July 31, 2019 92 320 135 547 Loans: Credit cards Balance as at October 31, 2018 74 219 - 293 Transfer to Stage 1 78 (78 ) - - Transfer to Stage 2 (16 ) 16 - - Transfer to Stage 3 (1 ) (125 ) 126 - Net remeasurement of loss allowance (68 ) 221 58 211 Loan originations 15 - - 15 Derecognitions and maturities (3 ) (18 ) - (21 ) Total PCL (1) 5 16 184 205 Write-offs - - (250 ) (250 ) Recoveries of previous write-offs - - 66 66 Foreign exchange and other - 1 - 1 Balance as at July 31, 2019 79 236 - 315 Loans: Business and government Balance as at October 31, 2018 298 408 209 915 Transfer to Stage 1 139 (135 ) (4 ) - Transfer to Stage 2 (41 ) 53 (12 ) - Transfer to Stage 3 (1 ) (41 ) 42 - Net remeasurement of loss allowance (141 ) 230 159 248 Loan originations 163 - - 163 Derecognitions and maturities (75 ) (57 ) - (132 ) Total PCL (1) 44 50 185 279 Write-offs - - (123 ) (123 ) Recoveries of previous write-offs - - 61 61 Foreign exchange and other 9 3 (35 ) (23 ) Balance as at July 31, 2019 351 461 297 1,109 Total as at July 31, 2019 536 1,052 470 2,058 Comprised of: Loans 409 946 447 1,802 Other credit instruments (2) 127 106 23 256 (1) Excludes provision for credit losses on other assets of $(4) million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the three months ended July 31, 2018: (Canadian $ in millions) For the three months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at April 30, 2018 19 31 46 96 Transfer to Stage 1 7 (6 ) (1 ) - Transfer to Stage 2 - 2 (2 ) - Transfer to Stage 3 - (1 ) 1 - Net remeasurement of loss allowance (7 ) 11 9 13 Loan originations 2 - - 2 Derecognitions and maturities (1 ) (1 ) - (2 ) Total PCL (1) 1 5 7 13 Write-offs - - (5 ) (5 ) Recoveries of previous write-offs - - 1 1 Foreign exchange and other 1 1 (4 ) (2 ) Balance as at July 31, 2018 21 37 45 103 Loans: Consumer instalment and other personal Balance as at April 30, 2018 86 328 147 561 Transfer to Stage 1 44 (41 ) (3 ) - Transfer to Stage 2 (3 ) 20 (17 ) - Transfer to Stage 3 (1 ) (29 ) 30 - Net remeasurement of loss allowance (40 ) 81 39 80 Loan originations 10 - - 10 Derecognitions and maturities (5 ) (13 ) - (18 ) Total PCL (1) 5 18 49 72 Write-offs - - (75 ) (75 ) Recoveries of previous write-offs - - 28 28 Foreign exchange and other (1 ) 2 (3 ) (2 ) Balance as at July 31, 2018 90 348 146 584 Loans: Credit cards Balance as at April 30, 2018 77 246 - 323 Transfer to Stage 1 33 (33 ) - - Transfer to Stage 2 (6 ) 6 - - Transfer to Stage 3 - (51 ) 51 - Net remeasurement of loss allowance (34 ) 75 2 43 Loan originations 4 - - 4 Derecognitions and maturities (1 ) (11 ) - (12 ) Total PCL (1) (4 ) (14 ) 53 35 Write-offs - - (79 ) (79 ) Recoveries of previous write-offs - - 26 26 Foreign exchange and other - 1 - 1 Balance as at July 31, 2018 73 233 - 306 Loans: Business and government Balance as at April 30, 2018 291 368 233 892 Transfer to Stage 1 44 (40 ) (4 ) - Transfer to Stage 2 (8 ) 12 (4 ) - Transfer to Stage 3 (1 ) (22 ) 23 - Net remeasurement of loss allowance (54 ) 81 53 80 Loan originations 51 - - 51 Derecognitions and maturities (25 ) (31 ) - (56 ) Model changes (7 ) (3 ) - (10 ) Total PCL (1) - (3 ) 68 65 Write-offs - - (60 ) (60 ) Recoveries of previous write-offs - - 14 14 Foreign exchange and other 1 3 (9 ) (5 ) Balance as at July 31, 2018 292 368 246 906 Total as at July 31, 2018 476 986 437 1,899 Comprised of: Loans 369 882 409 1,660 Other credit instruments (2) 107 104 28 239 (1) Excludes provision for credit losses on other assets of $1 million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the nine months ended July 31, 2018: (Canadian $ in millions) For the nine months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at November 1, 2017 16 34 49 99 Transfer to Stage 1 25 (23 ) (2 ) - Transfer to Stage 2 (1 ) 6 (5 ) - Transfer to Stage 3 - (7 ) 7 - Net remeasurement of loss allowance (26 ) 31 14 19 Loan originations 8 - - 8 Derecognitions and maturities (2 ) (4 ) - (6 ) Total PCL (1) 4 3 14 21 Write-offs - - (15 ) (15 ) Recoveries of previous write-offs - - 5 5 Foreign exchange and other 1 - (8 ) (7 ) Balance as at July 31, 2018 21 37 45 103 Loans: Consumer instalment and other personal Balance as at November 1, 2017 76 357 137 570 Transfer to Stage 1 171 (160 ) (11 ) - Transfer to Stage 2 (17 ) 82 (65 ) - Transfer to Stage 3 (3 ) (132 ) 135 - Net remeasurement of loss allowance (151 ) 235 113 197 Loan originations 28 - - 28 Derecognitions and maturities (14 ) (36 ) - (50 ) Total PCL (1) 14 (11 ) 172 175 Write-offs - - (219 ) (219 ) Recoveries of previous write-offs - - 67 67 Foreign exchange and other - 2 (11 ) (9 ) Balance as at July 31, 2018 90 348 146 584 Loans: Credit cards Balance as at November 1, 2017 83 254 - 337 Transfer to Stage 1 149 (149 ) - - Transfer to Stage 2 (32 ) 32 - - Transfer to Stage 3 (1 ) (152 ) 153 - Net remeasurement of loss allowance (139 ) 282 13 156 Loan originations 15 - - 15 Derecognitions and maturities (2 ) (35 ) - (37 ) Total PCL (1) (10 ) (22 ) 166 134 Write-offs - - (242 ) (242 ) Recoveries of previous write-offs - - 76 76 Foreign exchange and other - 1 - 1 Balance as at July 31, 2018 73 233 - 306 Loans: Business and government Balance as at November 1, 2017 268 410 234 912 Transfer to Stage 1 95 (90 ) (5 ) - Transfer to Stage 2 (21 ) 35 (14 ) - Transfer to Stage 3 (1 ) (50 ) 51 - Net remeasurement of loss allowance (99 ) 135 139 175 Loan originations 117 - - 117 Derecognitions and maturities (59 ) (71 ) - (130 ) Model changes (7 ) (3 ) - (10 ) Total PCL (1) 25 (44 ) 171 152 Write-offs - - (190 ) (190 ) Recoveries of previous write-offs - - 45 45 Foreign exchange and other (1 ) 2 (14 ) (13 ) Balance as at July 31, 2018 292 368 246 906 Total as at July 31, 2018 476 986 437 1,899 Comprised of: Loans 369 882 409 1,660 Other credit instruments (2) 107 104 28 239 (1) Excludes provision for credit losses on other assets of $5 million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. Loans and allowance for credit losses by geographic region are as follows: (Canadian $ in millions) July 31, 2019 October 31, 2018 Gross Allowance for credit losses Allowance for credit losses Net Gross Allowance for credit losses Allowance for credit losses Net By geographic region (1): Canada 255,070 192 732 254,146 243,261 189 689 242,383 United States 154,107 255 608 153,244 132,789 181 574 132,034 Other countries 10,472 - 15 10,457 9,580 - 6 9,574 Total 419,649 447 1,355 417,847 385,630 370 1,269 383,991 (1) Geographic region is based upon country of ultimate risk. (2) Excludes allowance for credit losses on impaired loans of $23 million for other credit instruments, which is included in other liabilities ($27 million as at October 31, 2018). (3) Excludes allowance for credit losses on performing loans of $233 million for other credit instruments, which is included in other liabilities ($204 million as at October 31, 2018). Certain comparative figures have been reclassified to conform with the current period’s presentation. Renegotiated Loans The carrying value of our renegotiated loans was $1,023 million as at July 31, 2019 ($1,129 million as at October 31, 2018), with $427 million classified as performing as at July 31, 2019 ($541 million as at October 31, 2018). Renegotiated loans of $18 million and $26 million, respectively, were written off in the three and nine months ended July 31, 2019 ($9 million and $42 million, respectively, for the three and nine months ended July 31, 2018).

Transfer of Assets

Transfer of Assets	9 Months Ended
	Jul. 31, 2019
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Transfer of Assets	Note 4: Transfer of Assets Loan Securitization We sell Canadian mortgage loans to bank-sponsored and third-party Canadian securitization programs, including the Canadian Mortgage Bond program, directly to third-party investors under the NHA-MBS During the three and nine months ended July 31, 2019, we sold $1,084 million and $4,004 million, respectively, of loans to these programs ($2,651 million and $6,682 million, respectively, for the three and nine months ended July 31, 2018). The following table presents the carrying amount and fair value of transferred assets that did not qualify for derecognition and the associated liabilities: (Canadian $ in millions) July 31, 2019 October 31, 2018 Carrying amount Carrying amount of Carrying amount Carrying amount of Residential mortgages 6,290 5,569 Other related assets (2) 11,148 11,640 Total (3) 17,438 16,959 17,209 16,925 (1) Carrying amount of loans is net of allowance for credit losses. (2) Other related assets represent payments received on account of loans pledged under securitization that have not been applied against the associated liabilities. The payments received are held on behalf of the investors in the securitization vehicles until principal payments are required to be made on the associated liabilities. In order to compare all assets supporting the associated liabilities, this amount is added to the carrying amount of the securitized assets in the above table. (3) The fair values of assets and associated liabilities are $17,459 million and $17,200 million, respectively, as at July 31, 2019 ($17,105 million and $16,763 million, respectively, as at October 31, 2018). During the three and nine months ended July 31, 2019, we sold and derecognized $121 million and $302 million, respectively, of mortgage loans purchased or originated in the U.S. ($278 million and $708 million, respectively, for the three and nine months ended July 31, 2018). We retain the mortgage servicing rights for these loans, which represent our continuing involvement. As at July 31, 2019, the carrying value of the mortgage servicing rights was $45 million ($52 million as at October 31, 2018).

Acquisitions

Acquisitions	9 Months Ended
	Jul. 31, 2019
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Acquisitions	Note 5: Acquisitions KGS-Alpha On September 1, 2018, we completed the acquisition of the business of KGS, a U.S. fixed income broker-dealer specializing in U.S. mortgage and asset-backed securities in the institutional investor market, for cash consideration of US$304 million (CAD$397 million). During the three months ended January 31, 2019, the purchase price decreased to US$303 million (CAD$396 million) due to a post-closing adjustment based upon working capital. The acquisition was accounted for as a business combination, and the acquired business and corresponding goodwill are included in our Capital Markets reporting segment. As part of this acquisition, we acquired intangible assets of $49 million and goodwill of $54 million. The intangible assets are being amortized over three to fourteen years on an accelerated basis. Goodwill of $32 million related to this acquisition is deductible for tax purposes. The fair values of the assets acquired and liabilities assumed at the date of acquisition are as follows: (Canadian $ in millions) KGS Securities - trading 5,193 Securities borrowed or purchased under resale agreements 5,669 Goodwill and intangible assets 103 Other assets 583 Total assets 11,548 Securities lent or sold under repurchase agreements 9,563 Securities sold but not yet purchased 1,431 Other liabilities 158 Purchase price 396 The purchase price allocation for KGS is subject to refinement as we complete the valuation of the assets acquired and liabilities assumed.

Deposits and Subordinated Debt

Deposits and Subordinated Debt	9 Months Ended
	Jul. 31, 2019
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Deposits and Subordinated Debt	Note 6: Deposits and Subordinated Debt Deposits Payable on demand Payable Payable on (Canadian $ in millions) Interest bearing Non-interest after notice a fixed date (4)(5) Total July 31, October 31, July 31, October 31, July 31, October 31, July 31, October 31, July 31, October 31, Deposits by: Banks (1) 2,606 1,450 1,424 1,400 883 526 24,407 24,531 29,320 27,907 Business and government 25,181 25,266 32,159 33,984 79,734 67,026 189,908 185,901 326,982 312,177 Individuals 3,233 3,476 22,548 21,345 92,862 90,233 78,438 65,790 197,081 180,844 Total (2) (3) 31,020 30,192 56,131 56,729 173,479 157,785 292,753 276,222 553,383 520,928 Booked in: Canada 25,514 21,735 48,406 47,231 86,459 82,091 179,587 160,069 339,966 311,126 United States 4,398 7,395 7,704 9,477 85,875 74,476 86,000 86,805 183,977 178,153 Other countries 1,108 1,062 21 21 1,145 1,218 27,166 29,348 29,440 31,649 Total 31,020 30,192 56,131 56,729 173,479 157,785 292,753 276,222 553,383 520,928 (1) Includes regulated and central banks. (2) Includes structured notes designated at fair value through profit or loss. (3) As at July 31, 2019 and October 31, 2018, total deposits payable on a fixed date included $31,317 million and $29,673 million, respectively, of federal funds purchased and commercial paper issued and other deposit liabilities. Included in deposits as at July 31, 2019 and October 31, 2018 are $274,625 million and $259,747 million, respectively, of deposits denominated in U.S. dollars, and $33,792 million and $37,427 million, respectively, of deposits denominated in other foreign currencies. (4) Includes $260,007 million of deposits, each greater than one hundred thousand dollars, of which $165,061 million were booked in Canada, $67,790 million were booked in the United States and $27,156 million were booked in other countries ($246,685 million, $145,574 million, $71,770 million and $29,341 million, respectively, as at October 31, 2018). Of the $165,061 million of deposits booked in Canada, $65,563 million mature in less than three months, $8,403 million mature in three to six months, $18,226 million mature in six to twelve months and $72,869 million mature after twelve months ($145,574 million, $55,190 million, $3,836 million, $12,909 million and $73,639 million, respectively, as at October 31, 2018). (5) Includes $12,992 million of senior unsecured debt as at July 31, 2019 subject to the Bank Recapitalization (Bail-In) Bail-In non-viable. Certain comparative figures have been reclassified to conform with the current period’s presentation. Subordinated Debt During the three and nine months ended July 31, 2019, we did not issue or redeem any subordinated debt. On August 1, 2019, we announced our intention to redeem all of our $1 billion 3.12% Series – H Medium Term Notes First Tranche on September 19, 2019.

Equity

Equity	9 Months Ended
	Jul. 31, 2019
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Equity	Note 7: Equity Preferred and Common Shares Outstanding and Other Equity Instruments (1) (Canadian $ in millions, except as noted) July 31, 2019 October 31, 2018 Number of Amount Number of Amount Convertible into… Preferred Shares - Classified as Equity Class B – Series 25 9,425,607 236 9,425,607 236 Class B - Series 26 (2) Class B – Series 26 2,174,393 54 2,174,393 54 Class B - Series (2) Class B – Series 27 20,000,000 500 20,000,000 500 Class B - Series (2)(3) Class B – Series 29 16,000,000 400 16,000,000 400 Class B - Series (2)(3) Class B – Series 31 12,000,000 300 12,000,000 300 Class B - Series (2)(3) Class B – Series 33 8,000,000 200 8,000,000 200 Class B - Series (2)(3) Class B – Series 35 6,000,000 150 6,000,000 150 Not convertible (3) Class B – Series 36 600,000 600 600,000 600 Class B - Series 37 (2)(3) Class B – Series 38 24,000,000 600 24,000,000 600 Class B - Series 39 (2)(3) Class B – Series 40 20,000,000 500 20,000,000 500 Class B - Series 41 (2)(3) Class B – Series 42 16,000,000 400 16,000,000 400 Class B - Series 43 (2)(3) Class B – Series 44 16,000,000 400 16,000,000 400 Class B - Series 45 (2)(3) Class B – Series 46 14,000,000 350 - - Class B - Series 47 (2)(3) Preferred Shares - Classified as Equity 4,690 4,340 Other Equity Instruments 658 - Variable number of common shares (4) Common Shares (5) (6) 639,035,737 12,958 639,329,625 12,929 Share Capital and Other Equity Instruments 18,306 17,269 (1) For additional information refer to Notes 16 and 20 of our annual consolidated financial statements for the year ended October 31, 2018 on pages 182 and 192 of our 2018 Annual Report. (2) If converted, the holders have the option to convert back to the original preferred shares on subsequent redemption dates. (3) The shares issued include a non-viability non-viable non-viability. (4) The Other Equity Instruments (notes) issued include a non-viability non-viable non-viability. (5) The stock options issued under the Stock Option Plan are convertible into 6,318,299 common shares as at July 31, 2019 (6,095,201 common shares as at October 31, 2018). (6) During the three and nine months ended July 31, 2019, we did not issue any common shares under the Shareholder Dividend Reinvestment and Share Purchase Plan. During the three and nine months ended July 31, 2019, we issued 274,868 and 706,112 common shares, respectively, under the Stock Option Plan. Preferred Shares During the three and nine months ended July 31, 2019, we did not redeem any preferred shares. On June 27, 2019, we announced that we did not intend to exercise our right to redeem the currently outstanding Non-Cumulative 5-Year one-for-one Non-Cumulative On April 17, 2019, we issued 14 million Non-Cumulative 5-Year (Non-Viability 5-year Non-Cumulative non-cumulative 3-month On March 29, 2019, we announced that we did not intend to exercise our right to redeem the currently outstanding Non-Cumulative 5-Year one-for-one Non-Cumulative Other Equity Instruments On July 30, 2019, we issued US$500 million 4.800% Additional Tier 1 Capital Notes (NVCC) (“notes”) which are classified as equity and form part of our additional Tier 1 non-viability (Canadian $ in millions, except as noted) Face value Interest rate (%) Redeemable at our option Convertible to July 31, 2019 October 31, 2018 4.800% Additional Tier 1 Capital Notes US$ 500 4.800 (1) August 2024 (2) Variable number of 658 - Total 658 - (1) Non-cumulative (2) The notes are redeemable, at a redemption price equal to 100% of the principal amount, plus any accrued and unpaid interest, in whole or in part at our option on or after the first interest reset date in 2024 or following certain regulatory or tax events. The bank may, at any time, purchase the notes at any price in the open market. (3) The notes issued include a non-viability non-viable non-viability. Common Shares On June 3, 2019, we renewed our normal course issuer bid (“NCIB”) effective for one year. Under this bid, we may purchase up to 15 million common shares for cancellation. The NCIB is a regular part of BMO’s capital management strategy. The timing and amount of purchases under the NCIB are subject to regulatory approvals and to management discretion, based on factors such as market conditions and capital levels. During the three months ended July 31, 2019, we did not purchase for cancellation any common shares under the NCIB. During the nine months ended July 31, 2019, 1 million common shares were purchased for cancellation. Capital Trust Securities On December 31, 2018, BMO Capital Trust II redeemed all of its issued and outstanding BMO Tier 1 Notes - Series A at a redemption amount equal to $1,000 for an aggregate redemption of $450 million, plus accrued and unpaid interest to but excluding the redemption date.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Jul. 31, 2019
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Fair Value of Financial Instruments	Note 8: Fair Value of Financial Instruments Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet Set out in the following table are the amounts that would be reported if all financial assets and liabilities not currently carried at fair value were reported at their fair values. Refer to Note 17 to our annual consolidated financial statements for the year ended October 31, 2018 on pages 184 to 190 for further discussion on the determination of fair value. (Canadian $ in millions) July 31, 2019 October 31, 2018 Carrying value Fair value Carrying value Fair value Securities Amortized cost 15,024 15,102 6,485 6,288 Loans (1) Residential mortgages 121,989 122,548 119,544 118,609 Consumer instalment and other personal 65,465 65,806 62,687 62,618 Credit cards 8,504 8,504 8,099 8,099 Business and government (2) 219,681 220,625 192,225 191,989 415,639 417,483 382,555 381,315 Deposits (3) 537,378 538,311 506,742 506,581 Securitization and structured entities’ liabilities 25,544 25,753 25,051 24,838 Subordinated debt 6,876 7,174 6,782 6,834 This table excludes financial instruments with a carrying value approximating fair value, including cash and cash equivalents, interest bearing deposits with banks, securities borrowed or purchased under resale agreements, customers’ liability under acceptances, other assets, acceptances, securities lent or sold under repurchase agreements and other liabilities. (1) Carrying value of loans is net of allowance. (2) Excludes $2,230 million of loans classified as FVTPL as at July 31, 2019 ($1,450 million as at October 31, 2018). (3) Excludes $16,005 million of structured note liabilities designated at fair value through profit or loss and accounted for at fair value ($14,186 million as at October 31, 2018). Financial Instruments Designated at Fair Value Most of our structured note liabilities included in deposits have been designated at fair value through profit or loss which aligns the accounting result with the way the portfolio is managed. The fair value and notional amount due at contractual maturity of these structured notes as at July 31, 2019 were $16,005 million and $15,933 million, respectively ($14,186 million and $15,088 million, respectively, as at October 31, 2018). The change in fair value of these structured notes was recorded as a decrease of $168 million and $1,010 million in non-interest non-interest non-interest The cumulative change in fair value related to changes in our own credit spread that has been recognized since the notes were designated at fair value to July 31, 2019 was an unrealized loss of $296 million, of this an unrealized loss of $220 million was recorded in other comprehensive income, with an unrealized loss of $76 million recorded through the Consolidated Statement of Income prior to the adoption of IFRS 9 own credit provision in 2015. We designate certain securities held by our insurance subsidiaries that support our insurance liabilities at fair value through profit or loss since the actuarial calculation of insurance liabilities is based on the fair value of the investments supporting them. This designation aligns the accounting result with the way the portfolio is managed on a fair value basis. The change in fair value of the assets is recorded in non-interest non-interest We designate the obligation related to certain investment contracts in our insurance business at fair value through profit or loss, which eliminates a measurement inconsistency that would otherwise arise from measuring the investment contract liabilities and offsetting changes in the fair value of the investments supporting them on a different basis. The fair value of these investment contract liabilities as at July 31, 2019 of $1,011 million ($800 million as at October 31, 2018) is recorded in other liabilities in our Consolidated Balance Sheet. The change in fair value of these investment contract liabilities resulted in an increase of $41 million and an increase of $102 million in insurance claims, commissions, and changes in policy benefit liabilities, respectively, for the three and nine months ended July 31, 2019 (a decrease of $2 million and $15 million, respectively, for the three and nine months ended July 31, 2018). For the three and nine months ended July 31, 2019, a decrease of $7 million and $19 million, respectively, was recorded in other comprehensive income related to changes in our own credit spread (an increase of $3 million and $1 million, respectively, for the three and nine months ended July 31, 2018). Changes in the fair value of investments backing these investment contract liabilities are recorded in non-interest Fair Value Hierarchy We use a fair value hierarchy to categorize financial instruments according to the inputs we use in valuation techniques to measure fair value. Valuation Techniques and Significant Inputs We determine the fair value of publicly traded fixed maturity and equity securities using quoted prices in active markets (Level 1) when these are available. We exercise a degree of judgement in determining whether the market from which a quoted price has been obtained is active. When quoted prices in active markets are not available, we determine the fair value of financial instruments using models such as discounted cash flows with observable market data for inputs such as yield and prepayment rates or broker quotes and other third-party vendor quotes (Level 2). Fair value may also be determined using models where significant market inputs are not observable due to inactive markets or minimal market activity (Level 3). We maximize the use of market inputs to the extent possible. Our Level 2 trading and FVTPL securities are primarily valued using discounted cash flow models with observable spreads or broker quotes. The fair value of Level 2 FVOCI securities is determined using discounted cash flow models with observable spreads or third-party vendor quotes. Level 2 structured note liabilities are valued using models with observable market information. Level 2 derivative assets and liabilities are valued using industry standard models and observable market information. The extent of our use of actively quoted market prices (Level 1), internal models using observable market information as inputs (Level 2) and internal models without observable market information as inputs (Level 3) in the valuation of securities, loans, fair value liabilities, derivative assets and derivative liabilities was as follows: (Canadian $ in millions) July 31, 2019 Valued using Valued using models Valued using models Total Trading Securities Issued or guaranteed by: Canadian federal government 7,593 2,041 - 9,634 Canadian provincial and municipal governments 3,320 4,655 - 7,975 U.S. federal government 8,253 1,324 - 9,577 U.S. states, municipalities and agencies 18 439 - 457 Other governments 1,187 579 - 1,766 NHA MBS, U.S. agency MBS and CMO 31 9,494 246 9,771 Corporate debt 2,450 6,372 26 8,848 Loans - 193 - 193 Corporate equity 46,684 1 - 46,685 69,536 25,098 272 94,906 FVTPL Securities Issued or guaranteed by: Canadian federal government 526 150 - 676 Canadian provincial and municipal governments 159 1,097 - 1,256 U.S. federal government 6 67 - 73 Other governments - 49 - 49 NHA MBS, U.S. agency MBS and CMO - 5 - 5 Corporate debt 80 7,892 - 7,972 Corporate equity 1,543 68 1,906 3,517 2,314 9,328 1,906 13,548 FVOCI Securities Issued or guaranteed by: Canadian federal government 9,707 1,337 - 11,044 Canadian provincial and municipal governments 4,376 2,771 - 7,147 U.S. federal government 15,564 1,952 - 17,516 U.S. states, municipalities and agencies - 4,164 1 4,165 Other governments 2,837 4,228 - 7,065 NHA MBS, U.S. agency MBS and CMO - 14,943 - 14,943 Corporate debt 2,260 3,215 - 5,475 Corporate equity - - 79 79 34,744 32,610 80 67,434 Business and government Loans - 66 2,164 2,230 Fair Value Liabilities Securities sold but not yet purchased 18,237 8,966 172 27,375 Structured note liabilities and other note liabilities - 16,005 - 16,005 Investment contract liabilities - 1,011 - 1,011 18,237 25,982 172 44,391 Derivative Assets Interest rate contracts 13 9,594 - 9,607 Foreign exchange contracts 6 10,334 - 10,340 Commodity contracts 146 984 - 1,130 Equity contracts 214 857 - 1,071 Credit default swaps - 52 - 52 379 21,821 - 22,200 Derivative Liabilities Interest rate contracts 8 7,161 - 7,169 Foreign exchange contracts 8 12,061 - 12,069 Commodity contracts 141 1,518 - 1,659 Equity contracts 129 2,482 - 2,611 Credit default swaps - 104 1 105 286 23,326 1 23,613 (Canadian $ in millions) October 31, 2018 Valued using Valued using models Valued using models Total Trading Securities Issued or guaranteed by: Canadian federal government 9,107 1,213 - 10,320 Canadian provincial and municipal governments 4,013 4,689 - 8,702 U.S. federal government 9,465 52 - 9,517 U.S. states, municipalities and agencies 78 1,138 - 1,216 Other governments 1,210 201 - 1,411 NHA MBS, U.S. agency MBS and CMO 60 8,869 255 9,184 Corporate debt 2,973 6,218 7 9,198 Loans - 199 - 199 Corporate equity 49,946 4 - 49,950 76,852 22,583 262 99,697 FVTPL Securities Issued or guaranteed by: Canadian federal government 328 103 - 431 Canadian provincial and municipal governments 219 727 - 946 U.S. federal government 69 - - 69 Other governments - - - - NHA MBS, U.S. agency MBS and CMO - 7 - 7 Corporate debt 178 6,643 - 6,821 Corporate equity 1,378 134 1,825 3,337 2,172 7,614 1,825 11,611 FVOCI Securities Issued or guaranteed by: Canadian federal government 11,978 827 - 12,805 Canadian provincial and municipal governments 3,315 3,547 - 6,862 U.S. federal government 16,823 - - 16,823 U.S. states, municipalities and agencies 14 3,640 1 3,655 Other governments 3,143 1,647 - 4,790 NHA MBS, U.S. agency MBS and CMO - 13,687 - 13,687 Corporate debt 1,959 1,797 - 3,756 Corporate equity - - 62 62 37,232 25,145 63 62,440 Business and government Loans - - 1,450 1,450 Fair Value Liabilities Securities sold but not yet purchased 26,336 2,468 - 28,804 Structured note liabilities and other note liabilities - 14,186 - 14,186 Investment contract liabilities - 800 - 800 26,336 17,454 - 43,790 Derivative Assets Interest rate contracts 18 8,959 - 8,977 Foreign exchange contracts 16 12,983 - 12,999 Commodity contracts 166 1,894 - 2,060 Equity contracts 286 1,872 - 2,158 Credit default swaps - 10 - 10 486 25,718 - 26,204 Derivative Liabilities Interest rate contracts 14 8,620 - 8,634 Foreign exchange contracts 2 11,852 - 11,854 Commodity contracts 295 1,161 - 1,456 Equity contracts 246 2,183 1 2,430 Credit default swaps - 36 1 37 557 23,852 2 24,411 Certain comparative figures have been reclassified to conform with the current period’s presentation. Significant Transfers Our policy is to record transfers of assets and liabilities between fair value hierarchy levels at their fair values as at the end of each reporting period, consistent with the date of the determination of fair value. Transfers between the various fair value hierarchy levels reflect changes in the availability of quoted market prices or observable market inputs that result from changes in market conditions. The following is a discussion of the significant transfers between Level 1, Level 2 and Level 3 balances for the three and nine months ended July 31, 2019. In the nine months ended July 31, 2019, we refined our judgement of whether quoted prices for fixed income securities were obtained from markets that are active or not in the determination of whether a security should be Level 1 or Level 2, with the result that certain securities are shown as a transfer to Level 2. During the three and nine months ended July 31, 2019, $1,734 million and $5,392 million, respectively, of trading securities, $218 million and $682 million, respectively, of FVTPL securities, $1,834 million and $9,723 million, respectively, of FVOCI securities, and $6,362 million and $9,905 million, respectively, of securities sold but not yet purchased were transferred from Level 1 to Level 2 due to our refined approach and reduced observability of the inputs used to value these securities. During the three and nine months ended July 31, 2019, $901 million and $4,260 million, respectively, of trading securities, $38 million and $390 million, respectively, of FVTPL securities, $2,335 million and $3,910 million, respectively, of FVOCI securities, and $98 million and $2,501 million, respectively, of securities sold but not yet purchased were transferred from Level 2 to Level 1 due to increased availability of quoted prices in active markets. During the three and nine months ended July 31, 2019, $53 million and $98 million, respectively, of trading securities were transferred from Level 2 to Level 3 due to changes in the market observability of inputs used in pricing these securities, $6 million and $41 million, respectively, were transferred from Level 3 to Level 2 due to the availability of observable price inputs used to value these securities. Changes in Level 3 Fair Value Measurements The table below presents a reconciliation of all changes in Level 3 financial instruments during the three and nine months ended July 31, 2019, including realized and unrealized gains (losses) included in earnings and other comprehensive income. Change in fair value (Canadian $ in millions) For the three months ended July 31, 2019 Balance Included in Included in other comprehensive Issuances/ Sales Maturities/ Transfers Transfers Fair Value Change in for instruments Trading Securities NHA MBS and U.S. agency MBS and CMO 215 (15 ) (3 ) 97 (96 ) - 53 (5 ) 246 (6 ) Corporate debt 7 - - 26 (6 ) - - (1 ) 26 - Total trading securities 222 (15 ) (3 ) 123 (102 ) - 53 (6 ) 272 (6 ) FVTPL Securities Corporate equity 1,907 10 (21 ) 77 (66 ) (1 ) - - 1,906 16 Total FVTPL securities 1,907 10 (21 ) 77 (66 ) (1 ) - - 1,906 16 FVOCI Securities Issued or guaranteed by: U.S. states, municipalities and agencies 1 - - - - - - - 1 na Corporate equity 69 - - 10 - - - - 79 na Total FVOCI securities 70 - - 10 - - - - 80 na Business and government Loans 2,172 - (31 ) 155 - (132 ) - - 2,164 - Fair Value Liabilities Securities sold but not yet purchased - - - - 172 - - - 172 - Total fair value liabilities - - - - 172 - - - 172 - Derivative Liabilities Equity contracts - - - - - - - - - - Credit default swaps - - - - - - 1 - 1 - Total derivative liabilities - - - - - - 1 - 1 - (1) Foreign exchange translation on financial instruments held by foreign subsidiaries is included in other comprehensive income, net foreign operations na – Not applicable Change in fair value (Canadian $ in millions) For the nine months ended July 31, 2019 Balance Included in Included in other comprehensive Issuances/ Sales Maturities/ Transfers Transfers Fair Value Change in unrealized gains for instruments Trading Securities NHA MBS and U.S. agency MBS and CMO 255 (22 ) 1 280 (326 ) - 98 (40 ) 246 (13 ) Corporate debt 7 - - 32 (12 ) - - (1 ) 26 - Total trading securities 262 (22 ) 1 312 (338 ) - 98 (41 ) 272 (13 ) FVTPL Securities Corporate equity 1,825 20 2 324 (264 ) (1 ) - - 1,906 36 Total FVTPL 1,825 20 2 324 (264 ) (1 ) - - 1,906 36 FVOCI Securities Issued or guaranteed by: U.S. states, municipalities and agencies 1 - - - - - - - 1 na Corporate equity 62 - - 17 - - - - 79 na Total FVOCI securities 63 - - 17 - - - - 80 na Business and government Loans 1,450 7 13 1,369 - (675 ) - - 2,164 - Fair Value Liabilities Securities sold but not yet purchased - - - (7 ) 179 - - - 172 - Total fair value liabilities - - - (7 ) 179 - - - 172 - Derivative Liabilities Equity contracts 1 - - - - - - (1 ) - - Credit default swaps 1 - - - - - 1 (1 ) 1 - Total derivative liabilities 2 - - - - - 1 (2 ) 1 - (1) Foreign exchange translation on financial instruments held by foreign subsidiaries is included in other comprehensive income, net foreign operations na – Not applicable

Capital Management

Capital Management	9 Months Ended
	Jul. 31, 2019
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Capital Management	Note 9: Capital Management Our objective is to maintain a strong capital position in a cost-effective structure that: is appropriate given our target regulatory capital ratios and internal assessment of required economic capital; is consistent with our target credit ratings; underpins our operating groups’ business strategies; and supports depositor, investor and regulator confidence, while building long-term shareholder value. As at July 31, 2019, we met OSFI’s target capital ratio requirements, which include a 2.5% Capital Conservation Buffer, a 1.0% Common Equity Surcharge for Domestic Systemically Important Banks (D-SIBs), D-SIBs.

Employee Compensation

Employee Compensation	9 Months Ended
	Jul. 31, 2019
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Employee Compensation	Note 10: Employee Compensation Stock Options We did not grant any stock options during the three months ended July 31, 2019 and 2018. During the nine months ended July 31, 2019, we granted a total of 931,047 stock options (705,398 stock options during the nine months ended July 31, 2018). The weighted-average fair value of options granted during the nine months ended July 31, 2019 was $10.23 per option ($11.30 per option for the nine months ended July 31, 2018). To determine the fair value of the stock option tranches (i.e. the portion that vests each year) on the grant date, the following ranges of values were used for each option pricing assumption: For stock options granted during the nine months ended July 31, 2019 July 31, 2018 Expected dividend yield 5.7% 4.1% Expected share price volatility 20.0% - 20.1% 17.0% - 17.3% Risk-free rate of return 2.5% 2.1% Expected period until exercise (in years) 6.5 - 7.0 6.5 - 7.0 Exercise price ($) 89.90 100.63 Changes to the input assumptions can result in different fair value estimates. Pension and Other Employee Future Benefit Expenses Pension and other employee future benefit expenses are determined as follows: (Canadian $ in millions) Pension benefit plans Other employee future benefit plans For the three months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Current service cost 48 52 2 7 Net interest (income) expense on net defined benefit (asset) liability (5 ) (2 ) 10 11 Administrative expenses 1 1 - - Benefits expense 44 51 12 18 Canada and Quebec pension plan expense 23 21 - - Defined contribution expense 37 34 - - Total pension and other employee future benefit expenses 104 106 12 18 (Canadian $ in millions) Pension benefit plans Other employee future benefit plans For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Current service cost 144 157 7 22 Net interest (income) expense on net defined benefit (asset) liability (14 ) (6 ) 29 34 Past service income (5 ) - - - Administrative expenses 3 3 - - Benefits expense 128 154 36 56 Canada and Quebec pension plan expense 70 65 - - Defined contribution expense 127 124 - - Total pension and other employee future benefit expenses 325 343 36 56

Earnings Per Share

Earnings Per Share	9 Months Ended
	Jul. 31, 2019
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Earnings Per Share	Note 11: Earnings Per Share Basic earnings per share is calculated by dividing net income attributable to equity holders of the bank, after deducting dividends on preferred shares and distributions on other equity instruments, by the daily average number of fully paid common shares outstanding throughout the period. Diluted earnings per share is calculated in the same manner, with further adjustments made to reflect the dilutive impact of instruments convertible into our common shares. The following tables present our basic and diluted earnings per share: Basic Earnings Per Common Share (Canadian $ in millions, except as noted) For the three months ended For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Net income attributable to equity holders of the bank 1,557 1,537 4,564 3,756 Dividends on preferred shares and distributions on other equity instruments (59 ) (50 ) (159 ) (141) Net income available to common shareholders 1,498 1,487 4,405 3,615 Weighted-average number of common shares outstanding (in thousands) 638,900 640,400 638,803 643,937 Basic earnings per common share (Canadian $) 2.34 2.32 6.90 5.61 Diluted Earnings Per Common Share Net income available to common shareholders adjusted for impact of dilutive instruments 1,498 1,487 4,405 3,615 Weighted-average number of common shares outstanding (in thousands) 638,900 640,400 638,803 643,937 Effect of dilutive instruments Stock options potentially exercisable (1) 5,734 5,925 5,697 5,560 Common shares potentially repurchased (4,184 ) (3,970 ) (4,137 ) (3,549) Weighted-average number of diluted common shares outstanding (in thousands) 640,450 642,355 640,363 645,948 Diluted earnings per common share (Canadian $) 2.34 2.31 6.88 5.60 (1) In computing diluted earnings per share we excluded average stock options outstanding of 687,059 and 908,194 with a weighted-average exercise price of $104.14 and $102.98, respectively, for the three and nine months ended July 31, 2019 (1,007,064 and 1,612,662 with a weighted-average exercise price of $132.86 and $120.44, respectively, for the three and nine months ended July 31, 2018) as the average share price for the period did not exceed the exercise price.

Income Taxes

Income Taxes	9 Months Ended
	Jul. 31, 2019
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Income Taxes	Note 12: Income Taxes During the quarter, Canada Revenue Agency (CRA) reassessed us for additional taxes and interest in an amount of approximately $250 million in respect of certain 2014 Canadian corporate dividends. In prior fiscal years, we were reassessed by the CRA for additional income taxes and interest of approximately $361 million for certain 2011-2013 Canadian corporate dividends. In its reassessments, the CRA denied dividend deductions on the basis that the dividends were received as part of a “dividend rental arrangement”. The tax rules raised by the CRA in the reassessments were prospectively addressed in the 2015 and 2018 Canadian Federal Budgets. In the future, we expect to be reassessed for significant income tax for similar activities in 2015 and subsequent years. We remain of the view that our tax filing positions were appropriate and intend to challenge any reassessment.

Operating Segmentation

Operating Segmentation	9 Months Ended
	Jul. 31, 2019
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Operating Segmentation	Note 13: Operating Segmentation Operating Groups We conduct our business through three operating groups, each of which has a distinct mandate. Our operating groups are Personal and Commercial Banking (“P&C”) (comprised of Canadian Personal and Commercial Banking (“Canadian P&C”) and U.S. Personal and Commercial Banking (“U.S. P&C”)), Wealth Management and BMO Capital Markets (“BMO CM”), along with a Corporate Services unit. For additional information refer to Note 25 of the consolidated financial statements for the year ended October 31, 2018 on pages 203 to 205 of the Annual Report. Our results and average assets, grouped by operating segment, are as follows: (Canadian $ in millions) For the three months ended July 31, 2019 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 1,498 1,067 237 538 (123 ) 3,217 Non-interest 550 298 1,876 662 63 3,449 Total Revenue 2,048 1,365 2,113 1,200 (60 ) 6,666 Provision for credit losses on impaired loans 174 61 - 7 1 243 Provision for (recovery of) credit losses on performing loans 30 37 (2 ) 3 (5 ) 63 Total provision for (recovery of) credit losses 204 98 (2 ) 10 (4 ) 306 Insurance claims, commissions and changes in policy benefit liabilities - - 887 - - 887 Amortization 85 114 68 34 - 301 Non-interest 885 690 817 760 38 3,190 Income (loss) before taxes 874 463 343 396 (94 ) 1,982 Provision for (recovery of) income taxes 226 95 94 83 (73 ) 425 Net Income 648 368 249 313 (21 ) 1,557 Average Assets 240,205 129,143 41,891 343,009 82,715 836,963 For the three months ended July 31, 2018 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 1,402 994 212 410 (136 ) 2,882 Non-interest 532 280 1,328 695 77 2,912 Total Revenue 1,934 1,274 1,540 1,105 (59 ) 5,794 Provision for (recovery of) credit losses on impaired loans 120 54 2 3 (2 ) 177 Provision for (recovery of) credit losses on performing loans 17 (14 ) 2 4 - 9 Provision for (recovery of) credit losses 137 40 4 7 (2 ) 186 Insurance claims, commissions and changes in policy benefit liabilities - - 269 - - 269 Amortization 82 111 55 32 - 280 Non-interest 850 661 821 669 78 3,079 Income (loss) before taxes 865 462 391 397 (135 ) 1,980 Provision for (recovery of) income taxes 224 98 100 96 (75 ) 443 Net Income 641 364 291 301 (60 ) 1,537 Average Assets 225,562 112,935 36,595 312,369 76,929 764,390 (Canadian $ in millions) For the nine months ended July 31, 2019 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 4,338 3,161 699 1,698 (372 ) 9,524 Non-interest 1,585 858 5,396 1,863 170 9,872 Total Revenue 5,923 4,019 6,095 3,561 (202 ) 19,396 Provision for (recovery of) credit losses on impaired loans 410 94 1 20 (5 ) 520 Provision for (recovery of) credit losses on performing loans 52 33 (1 ) 20 (5 ) 99 Total provision for (recovery of) credit losses 462 127 - 40 (10 ) 619 Insurance claims, commissions and changes in policy benefit liabilities - - 2,374 - - 2,374 Amortization 248 343 199 105 - 895 Non-interest 2,635 2,004 2,463 2,368 278 9,748 Income (loss) before taxes 2,578 1,545 1,059 1,048 (470 ) 5,760 Provision for (recovery of) income taxes 668 327 266 231 (296 ) 1,196 Net Income 1,910 1,218 793 817 (174 ) 4,564 Average Assets 235,815 124,636 40,345 342,549 82,759 826,104 For the nine months ended July 31, 2018 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 4,120 2,833 616 1,291 (437 ) 8,423 Non-interest 1,547 817 4,114 1,940 171 8,589 Total Revenue 5,667 3,650 4,730 3,231 (266 ) 17,012 Provision for (recovery of) credit losses on impaired loans 348 197 4 (14 ) (12 ) 523 Provision for (recovery of) credit losses on performing loans 18 (56 ) (1 ) 3 - (36 ) Provision for (recovery of) credit losses 366 141 3 (11 ) (12 ) 487 Insurance claims, commissions and changes in policy benefit liabilities - - 962 - - 962 Amortization 242 338 172 92 - 844 Non-interest 2,537 1,854 2,461 2,002 586 9,440 Income (loss) before taxes 2,522 1,317 1,132 1,148 (840 ) 5,279 Provision for income taxes 647 295 279 290 12 1,523 Net Income 1,875 1,022 853 858 (852 ) 3,756 Average Assets 223,467 108,591 35,375 303,526 74,222 745,181 (1) Corporate Services includes Technology and Operations. We analyze revenue on a taxable equivalent basis (“teb”) at the operating group level. Revenue and the provision for income taxes are increased on tax-exempt before-tax of income between taxable and tax-exempt Certain comparative figures have been reclassified to conform with the current period’s presentation and for changes in accounting policy (Note 1).

Accounting Policies (Policies)

Accounting Policies (Policies)	9 Months Ended
	Jul. 31, 2019
Disclosure - Accounting Policies [abstract]
Changes in Accounting Policy	Changes in Accounting Policy Effective November 1, 2018, we adopted IFRS 15 Revenue from Contracts with Customers non-interest non-interest out-of-pocket non-interest The following table summarizes the impacts of applying IFRS 15 on our prior period Consolidated Statement of Income: (Canadian $ in millions) For the three months ended For the nine months ended July 31, 2018 July 31, 2018 Increase (decrease) in Non-Interest Securities commissions and fees - (3 ) Deposit and payment service charges (3 ) (8 ) Card fees (27 ) (104 ) Investment management and custodial fees 1 4 Underwriting and advisory fees 2 5 Other 1 3 (26 ) (103 ) Non-Interest Employee compensation - 1 Travel and business development (31 ) (118 ) Professional fees 2 6 Other 2 6 (27 ) (105 ) Provision for income taxes - 1 Net Income 1 1
Loans and Allowances	Allowance for Credit Losses (“ACL”) The allowance for credit losses recorded in our Consolidated Balance Sheet is maintained at a level we consider adequate to absorb credit-related losses on our loans and other credit instruments. The allowance for credit losses amounted to $2,058 million at July 31, 2019 ($1,870 million at October 31, 2018) of which $1,802 million ($1,639 million at October 31, 2018) was recorded in loans and $256 million ($231 million at October 31, 2018) was recorded in other liabilities in our Consolidated Balance Sheet.
Loan Securitization	Loan Securitization We sell Canadian mortgage loans to bank-sponsored and third-party Canadian securitization programs, including the Canadian Mortgage Bond program, directly to third-party investors under the NHA-MBS
Stock Options	Stock Options We did not grant any stock options during the three months ended July 31, 2019 and 2018. During the nine months ended July 31, 2019, we granted a total of 931,047 stock options (705,398 stock options during the nine months ended July 31, 2018). The weighted-average fair value of options granted during the nine months ended July 31, 2019 was $10.23 per option ($11.30 per option for the nine months ended July 31, 2018).
Earnings per share	Basic earnings per share is calculated by dividing net income attributable to equity holders of the bank, after deducting dividends on preferred shares and distributions on other equity instruments, by the daily average number of fully paid common shares outstanding throughout the period. Diluted earnings per share is calculated in the same manner, with further adjustments made to reflect the dilutive impact of instruments convertible into our common shares.
Income Taxes	During the quarter, Canada Revenue Agency (CRA) reassessed us for additional taxes and interest in an amount of approximately $250 million in respect of certain 2014 Canadian corporate dividends. In prior fiscal years, we were reassessed by the CRA for additional income taxes and interest of approximately $361 million for certain 2011-2013 Canadian corporate dividends. In its reassessments, the CRA denied dividend deductions on the basis that the dividends were received as part of a “dividend rental arrangement”. The tax rules raised by the CRA in the reassessments were prospectively addressed in the 2015 and 2018 Canadian Federal Budgets. In the future, we expect to be reassessed for significant income tax for similar activities in 2015 and subsequent years. We remain of the view that our tax filing positions were appropriate and intend to challenge any reassessment.
Operating Groups	Operating Groups We conduct our business through three operating groups, each of which has a distinct mandate. Our operating groups are Personal and Commercial Banking (“P&C”) (comprised of Canadian Personal and Commercial Banking (“Canadian P&C”) and U.S. Personal and Commercial Banking (“U.S. P&C”)), Wealth Management and BMO Capital Markets (“BMO CM”), along with a Corporate Services unit.

Basis of Presentation (Tables)

Basis of Presentation (Tables)	9 Months Ended
	Jul. 31, 2019
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Impacts of Applying IFRS 15 on Prior Period Consolidated Statement of Income	The following table summarizes the impacts of applying IFRS 15 on our prior period Consolidated Statement of Income: (Canadian $ in millions) For the three months ended For the nine months ended July 31, 2018 July 31, 2018 Increase (decrease) in Non-Interest Securities commissions and fees - (3 ) Deposit and payment service charges (3 ) (8 ) Card fees (27 ) (104 ) Investment management and custodial fees 1 4 Underwriting and advisory fees 2 5 Other 1 3 (26 ) (103 ) Non-Interest Employee compensation - 1 Travel and business development (31 ) (118 ) Professional fees 2 6 Other 2 6 (27 ) (105 ) Provision for income taxes - 1 Net Income 1 1

Securities (Tables)

Securities (Tables)	9 Months Ended
	Jul. 31, 2019
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Schedule of Unrealized Gains and Losses on Available-for-Sale Securities	Unrealized Gains and Losses on FVOCI Securities The following table summarizes the unrealized gains and losses: (Canadian $ in millions) July 31, 2019 October 31, 2018 Cost/ Gross Gross Cost/ Gross Gross Amortized unrealized unrealized Fair value Amortized unrealized unrealized Fair value Issued or guaranteed by: Canadian federal government 10,987 65 8 11,044 12,884 1 80 12,805 Canadian provincial and municipal governments 7,045 103 1 7,147 6,896 8 42 6,862 U.S. federal government 17,087 443 14 17,516 17,403 4 584 16,823 U.S. states, municipalities and agencies 4,095 73 3 4,165 3,694 16 55 3,655 Other governments 6,939 128 2 7,065 4,818 2 30 4,790 National Housing Act (NHA) mortgage-backed securities (MBS) 2,114 24 1 2,137 2,382 6 18 2,370 U.S. agency MBS and collateralized mortgage obligations (CMO) 12,828 69 91 12,806 11,811 2 496 11,317 Corporate debt 5,379 97 1 5,475 3,783 6 33 3,756 Corporate equity 79 - - 79 62 - - 62 Total 66,553 1,002 121 67,434 63,733 45 1,338 62,440 Unrealized gains (losses) are disclosed before the impact of any accounting hedges.
Summary of Interest Income Calculated Using the Effective Interest Method	The following table presents interest income calculated using the effective interest method: (Canadian $ in millions) For the three months ended For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 FVOCI - Debt 403 311 1,202 783 Amortized cost 75 42 163 134 Total 478 353 1,365 917

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	9 Months Ended
	Jul. 31, 2019
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Summary of Credit Risk Exposures for Loans Carried at Amortized Cost or FVTPL	The following table sets out our credit risk exposure for all loans carried at amortized cost or FVTPL. Stage 1 represents those performing loans carried with a 12 month expected credit loss, Stage 2 represents those performing loans carried with a lifetime expected credit loss, and Stage 3 represents those loans with a lifetime credit loss that are credit impaired. (Canadian $ in millions) July 31, 2019 Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Exceptionally low - - - - Very low 75,567 138 - 75,705 Low 20,513 2,698 - 23,211 Medium 12,639 4,875 - 17,514 High 99 425 - 524 Not rated 4,372 311 - 4,683 Impaired - - 417 417 Allowance for credit losses 14 34 17 65 Carrying amount 113,176 8,413 400 121,989 Loans: Consumer instalment and other personal Exceptionally low 20,704 23 - 20,727 Very low 15,735 169 - 15,904 Low 9,992 343 - 10,335 Medium 10,161 4,139 - 14,300 High 383 1,412 - 1,795 Not rated 2,328 103 - 2,431 Impaired - - 497 497 Allowance for credit losses 84 306 134 524 Carrying amount 59,219 5,883 363 65,465 Loans: Credit cards Exceptionally low 2,429 1 - 2,430 Very low 1,187 22 - 1,209 Low 919 187 - 1,106 Medium 1,947 890 - 2,837 High 129 443 - 572 Not rated 595 - - 595 Impaired - - - - Allowance for credit losses 42 203 - 245 Carrying amount 7,164 1,340 - 8,504 Loans: Business and government (1) Acceptable Investment grade 134,344 989 - 135,333 Sub-investment 94,577 11,107 - 105,684 Watchlist - 5,063 - 5,063 Impaired - - 1,518 1,518 Allowance for credit losses 269 403 296 968 Carrying amount 228,652 16,756 1,222 246,630 Commitments and financial guarantee contracts Acceptable Investment grade 129,427 290 - 129,717 Sub-investment 45,286 7,227 - 52,513 Watchlist - 2,079 - 2,079 Impaired - - 316 316 Allowance for credit losses 127 106 23 256 Carrying amount 174,586 9,490 293 184,369 (1) Includes customers’ liability under acceptances. (Canadian $ in millions) October 31, 2018 Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Exceptionally low - - - - Very low 76,314 125 - 76,439 Low 18,975 2,479 - 21,454 Medium 12,621 3,765 - 16,386 High 90 445 - 535 Not rated 4,250 181 - 4,431 Impaired - - 375 375 Allowance for credit losses 20 37 19 76 Carrying amount 112,230 6,958 356 119,544 Loans: Consumer instalment and other personal Exceptionally low 20,236 20 - 20,256 Very low 13,364 222 - 13,586 Low 12,581 364 - 12,945 Medium 7,707 4,153 - 11,860 High 357 1,427 - 1,784 Not rated 2,105 168 - 2,273 Impaired - - 521 521 Allowance for credit losses 83 312 143 538 Carrying amount 56,267 6,042 378 62,687 Loans: Credit cards Exceptionally low 2,403 4 - 2,407 Very low 1,140 11 - 1,151 Low 943 107 - 1,050 Medium 1,742 874 - 2,616 High 108 428 - 536 Not rated 568 1 - 569 Impaired - - - - Allowance for credit losses 39 191 - 230 Carrying amount 6,865 1,234 - 8,099 Loans: Business and government (1) Acceptable Investment grade 109,774 2,148 - 111,922 Sub-investment 88,348 7,308 - 95,656 Watchlist - 4,423 - 4,423 Impaired - - 1,040 1,040 Allowance for credit losses 232 355 208 795 Carrying amount 197,890 13,524 832 212,246 Commitments and financial guarantee contracts Acceptable Investment grade 116,108 1,722 - 117,830 Sub-investment 44,895 3,426 - 48,321 Watchlist - 1,650 - 1,650 Impaired - - 242 242 Allowance for credit losses 108 96 27 231 Carrying amount 160,895 6,702 215 167,812 (1) Includes customers’ liability under acceptances. Certain comparative figures have been reclassified to conform with the current period’s presentation.
Summary of Continuity in Loss Allowance by Each Product Type	The following table shows the continuity in the loss allowance by each product type for the three months ended July 31, 2019: (Canadian $ in millions) For the three months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at April 30, 2019 16 37 44 97 Transfer to Stage 1 7 (6 ) (1 ) - Transfer to Stage 2 (1 ) 2 (1 ) - Transfer to Stage 3 - (3 ) 3 - Net remeasurement of loss allowance (9 ) 6 - (3 ) Loan originations 2 - - 2 Derecognitions and maturities (1 ) (1 ) - (2 ) Total Provision for Credit Losses (“PCL”) (1) (2 ) (2 ) 1 (3 ) Write-offs - - (6 ) (6 ) Recoveries of previous write-offs - - 7 7 Foreign exchange and other - - (8 ) (8 ) Balance as at July 31, 2019 14 35 38 87 Loans: Consumer instalment and other personal Balance as at April 30, 2019 86 324 128 538 Transfer to Stage 1 44 (42 ) (2 ) - Transfer to Stage 2 (4 ) 18 (14 ) - Transfer to Stage 3 (1 ) (32 ) 33 - Net remeasurement of loss allowance (40 ) 66 52 78 Loan originations 12 - - 12 Derecognitions and maturities (4 ) (13 ) - (17 ) Total PCL (1) 7 (3 ) 69 73 Write-offs - - (80 ) (80 ) Recoveries of previous write-offs - - 25 25 Foreign exchange and other (1 ) (1 ) (7 ) (9 ) Balance as at July 31, 2019 92 320 135 547 Loans: Credit cards Balance as at April 30, 2019 77 231 - 308 Transfer to Stage 1 28 (28 ) - - Transfer to Stage 2 (5 ) 5 - - Transfer to Stage 3 (1 ) (46 ) 47 - Net remeasurement of loss allowance (24 ) 79 24 79 Loan originations 5 - - 5 Derecognitions and maturities (1 ) (6 ) - (7 ) Total PCL (1) 2 4 71 77 Write-offs - - (91 ) (91 ) Recoveries of previous write-offs - - 20 20 Foreign exchange and other - 1 - 1 Balance as at July 31, 2019 79 236 - 315 Loans: Business and government Balance as at April 30, 2019 336 423 260 1,019 Transfer to Stage 1 31 (30 ) (1 ) - Transfer to Stage 2 (16 ) 17 (1 ) - Transfer to Stage 3 (1 ) (14 ) 15 - Net remeasurement of loss allowance (23 ) 91 89 157 Loan originations 53 - - 53 Derecognitions and maturities (28 ) (22 ) - (50 ) Total PCL (1) 16 42 102 160 Write-offs - - (52 ) (52 ) Recoveries of previous write-offs - - 2 2 Foreign exchange and other (1 ) (4 ) (15 ) (20 ) Balance as at July 31, 2019 351 461 297 1,109 Total as at July 31, 2019 536 1,052 470 2,058 Comprised of: Loans 409 946 447 1,802 Other credit instruments (2) 127 106 23 256 (1) Excludes provision for credit losses on other assets of $(1) million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the nine months ended July 31, 2019: (Canadian $ in millions) For the nine months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at October 31, 2018 20 38 44 102 Transfer to Stage 1 21 (19 ) (2 ) - Transfer to Stage 2 (2 ) 5 (3 ) - Transfer to Stage 3 - (7 ) 7 - Net remeasurement of loss allowance (29 ) 21 7 (1 ) Loan originations 5 - - 5 Derecognitions and maturities (1 ) (3 ) - (4 ) Total PCL (1) (6 ) (3 ) 9 - Write-offs - - (13 ) (13 ) Recoveries of previous write-offs - - 12 12 Foreign exchange and other - - (14 ) (14 ) Balance as at July 31, 2019 14 35 38 87 Loans: Consumer instalment and other personal Balance as at October 31, 2018 90 326 144 560 Transfer to Stage 1 131 (122 ) (9 ) - Transfer to Stage 2 (13 ) 62 (49 ) - Transfer to Stage 3 (4 ) (84 ) 88 - Net remeasurement of loss allowance (134 ) 168 112 146 Loan originations 35 - - 35 Derecognitions and maturities (12 ) (30 ) - (42 ) Total PCL (1) 3 (6 ) 142 139 Write-offs - - (233 ) (233 ) Recoveries of previous write-offs - - 97 97 Foreign exchange and other (1 ) - (15 ) (16 ) Balance as at July 31, 2019 92 320 135 547 Loans: Credit cards Balance as at October 31, 2018 74 219 - 293 Transfer to Stage 1 78 (78 ) - - Transfer to Stage 2 (16 ) 16 - - Transfer to Stage 3 (1 ) (125 ) 126 - Net remeasurement of loss allowance (68 ) 221 58 211 Loan originations 15 - - 15 Derecognitions and maturities (3 ) (18 ) - (21 ) Total PCL (1) 5 16 184 205 Write-offs - - (250 ) (250 ) Recoveries of previous write-offs - - 66 66 Foreign exchange and other - 1 - 1 Balance as at July 31, 2019 79 236 - 315 Loans: Business and government Balance as at October 31, 2018 298 408 209 915 Transfer to Stage 1 139 (135 ) (4 ) - Transfer to Stage 2 (41 ) 53 (12 ) - Transfer to Stage 3 (1 ) (41 ) 42 - Net remeasurement of loss allowance (141 ) 230 159 248 Loan originations 163 - - 163 Derecognitions and maturities (75 ) (57 ) - (132 ) Total PCL (1) 44 50 185 279 Write-offs - - (123 ) (123 ) Recoveries of previous write-offs - - 61 61 Foreign exchange and other 9 3 (35 ) (23 ) Balance as at July 31, 2019 351 461 297 1,109 Total as at July 31, 2019 536 1,052 470 2,058 Comprised of: Loans 409 946 447 1,802 Other credit instruments (2) 127 106 23 256 (1) Excludes provision for credit losses on other assets of $(4) million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the three months ended July 31, 2018: (Canadian $ in millions) For the three months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at April 30, 2018 19 31 46 96 Transfer to Stage 1 7 (6 ) (1 ) - Transfer to Stage 2 - 2 (2 ) - Transfer to Stage 3 - (1 ) 1 - Net remeasurement of loss allowance (7 ) 11 9 13 Loan originations 2 - - 2 Derecognitions and maturities (1 ) (1 ) - (2 ) Total PCL (1) 1 5 7 13 Write-offs - - (5 ) (5 ) Recoveries of previous write-offs - - 1 1 Foreign exchange and other 1 1 (4 ) (2 ) Balance as at July 31, 2018 21 37 45 103 Loans: Consumer instalment and other personal Balance as at April 30, 2018 86 328 147 561 Transfer to Stage 1 44 (41 ) (3 ) - Transfer to Stage 2 (3 ) 20 (17 ) - Transfer to Stage 3 (1 ) (29 ) 30 - Net remeasurement of loss allowance (40 ) 81 39 80 Loan originations 10 - - 10 Derecognitions and maturities (5 ) (13 ) - (18 ) Total PCL (1) 5 18 49 72 Write-offs - - (75 ) (75 ) Recoveries of previous write-offs - - 28 28 Foreign exchange and other (1 ) 2 (3 ) (2 ) Balance as at July 31, 2018 90 348 146 584 Loans: Credit cards Balance as at April 30, 2018 77 246 - 323 Transfer to Stage 1 33 (33 ) - - Transfer to Stage 2 (6 ) 6 - - Transfer to Stage 3 - (51 ) 51 - Net remeasurement of loss allowance (34 ) 75 2 43 Loan originations 4 - - 4 Derecognitions and maturities (1 ) (11 ) - (12 ) Total PCL (1) (4 ) (14 ) 53 35 Write-offs - - (79 ) (79 ) Recoveries of previous write-offs - - 26 26 Foreign exchange and other - 1 - 1 Balance as at July 31, 2018 73 233 - 306 Loans: Business and government Balance as at April 30, 2018 291 368 233 892 Transfer to Stage 1 44 (40 ) (4 ) - Transfer to Stage 2 (8 ) 12 (4 ) - Transfer to Stage 3 (1 ) (22 ) 23 - Net remeasurement of loss allowance (54 ) 81 53 80 Loan originations 51 - - 51 Derecognitions and maturities (25 ) (31 ) - (56 ) Model changes (7 ) (3 ) - (10 ) Total PCL (1) - (3 ) 68 65 Write-offs - - (60 ) (60 ) Recoveries of previous write-offs - - 14 14 Foreign exchange and other 1 3 (9 ) (5 ) Balance as at July 31, 2018 292 368 246 906 Total as at July 31, 2018 476 986 437 1,899 Comprised of: Loans 369 882 409 1,660 Other credit instruments (2) 107 104 28 239 (1) Excludes provision for credit losses on other assets of $1 million. (2) Recorded in other liabilities on the Consolidated Balance Sheet. The following table shows the continuity in the loss allowance by each product type for the nine months ended July 31, 2018: (Canadian $ in millions) For the nine months ended Stage 1 Stage 2 Stage 3 Total Loans: Residential mortgages Balance as at November 1, 2017 16 34 49 99 Transfer to Stage 1 25 (23 ) (2 ) - Transfer to Stage 2 (1 ) 6 (5 ) - Transfer to Stage 3 - (7 ) 7 - Net remeasurement of loss allowance (26 ) 31 14 19 Loan originations 8 - - 8 Derecognitions and maturities (2 ) (4 ) - (6 ) Total PCL (1) 4 3 14 21 Write-offs - - (15 ) (15 ) Recoveries of previous write-offs - - 5 5 Foreign exchange and other 1 - (8 ) (7 ) Balance as at July 31, 2018 21 37 45 103 Loans: Consumer instalment and other personal Balance as at November 1, 2017 76 357 137 570 Transfer to Stage 1 171 (160 ) (11 ) - Transfer to Stage 2 (17 ) 82 (65 ) - Transfer to Stage 3 (3 ) (132 ) 135 - Net remeasurement of loss allowance (151 ) 235 113 197 Loan originations 28 - - 28 Derecognitions and maturities (14 ) (36 ) - (50 ) Total PCL (1) 14 (11 ) 172 175 Write-offs - - (219 ) (219 ) Recoveries of previous write-offs - - 67 67 Foreign exchange and other - 2 (11 ) (9 ) Balance as at July 31, 2018 90 348 146 584 Loans: Credit cards Balance as at November 1, 2017 83 254 - 337 Transfer to Stage 1 149 (149 ) - - Transfer to Stage 2 (32 ) 32 - - Transfer to Stage 3 (1 ) (152 ) 153 - Net remeasurement of loss allowance (139 ) 282 13 156 Loan originations 15 - - 15 Derecognitions and maturities (2 ) (35 ) - (37 ) Total PCL (1) (10 ) (22 ) 166 134 Write-offs - - (242 ) (242 ) Recoveries of previous write-offs - - 76 76 Foreign exchange and other - 1 - 1 Balance as at July 31, 2018 73 233 - 306 Loans: Business and government Balance as at November 1, 2017 268 410 234 912 Transfer to Stage 1 95 (90 ) (5 ) - Transfer to Stage 2 (21 ) 35 (14 ) - Transfer to Stage 3 (1 ) (50 ) 51 - Net remeasurement of loss allowance (99 ) 135 139 175 Loan originations 117 - - 117 Derecognitions and maturities (59 ) (71 ) - (130 ) Model changes (7 ) (3 ) - (10 ) Total PCL (1) 25 (44 ) 171 152 Write-offs - - (190 ) (190 ) Recoveries of previous write-offs - - 45 45 Foreign exchange and other (1 ) 2 (14 ) (13 ) Balance as at July 31, 2018 292 368 246 906 Total as at July 31, 2018 476 986 437 1,899 Comprised of: Loans 369 882 409 1,660 Other credit instruments (2) 107 104 28 239 (1) Excludes provision for credit losses on other assets of $5 million. (2) Recorded in other liabilities on the Consolidated Balance Sheet.
Schedule of Loans and Allowance for Credit Losses by Geographic Region	Loans and allowance for credit losses by geographic region are as follows: (Canadian $ in millions) July 31, 2019 October 31, 2018 Gross Allowance for credit losses Allowance for credit losses Net Gross Allowance for credit losses Allowance for credit losses Net By geographic region (1): Canada 255,070 192 732 254,146 243,261 189 689 242,383 United States 154,107 255 608 153,244 132,789 181 574 132,034 Other countries 10,472 - 15 10,457 9,580 - 6 9,574 Total 419,649 447 1,355 417,847 385,630 370 1,269 383,991 (1) Geographic region is based upon country of ultimate risk. (2) Excludes allowance for credit losses on impaired loans of $23 million for other credit instruments, which is included in other liabilities ($27 million as at October 31, 2018). (3) Excludes allowance for credit losses on performing loans of $233 million for other credit instruments, which is included in other liabilities ($204 million as at October 31, 2018). Certain comparative figures have been reclassified to conform with the current period’s presentation.

Transfer of Assets (Tables)

Transfer of Assets (Tables)	9 Months Ended
	Jul. 31, 2019
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Summary of Carrying Amount and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities	The following table presents the carrying amount and fair value of transferred assets that did not qualify for derecognition and the associated liabilities: (Canadian $ in millions) July 31, 2019 October 31, 2018 Carrying amount Carrying amount of Carrying amount Carrying amount of Residential mortgages 6,290 5,569 Other related assets (2) 11,148 11,640 Total (3) 17,438 16,959 17,209 16,925 (1) Carrying amount of loans is net of allowance for credit losses. (2) Other related assets represent payments received on account of loans pledged under securitization that have not been applied against the associated liabilities. The payments received are held on behalf of the investors in the securitization vehicles until principal payments are required to be made on the associated liabilities. In order to compare all assets supporting the associated liabilities, this amount is added to the carrying amount of the securitized assets in the above table. (3) The fair values of assets and associated liabilities are $17,459 million and $17,200 million, respectively, as at July 31, 2019 ($17,105 million and $16,763 million, respectively, as at October 31, 2018).

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Summary of Fair Value of Assets Acquired and Liabilities Assumed at The Date of Acquisition	The fair values of the assets acquired and liabilities assumed at the date of acquisition are as follows: (Canadian $ in millions) KGS Securities - trading 5,193 Securities borrowed or purchased under resale agreements 5,669 Goodwill and intangible assets 103 Other assets 583 Total assets 11,548 Securities lent or sold under repurchase agreements 9,563 Securities sold but not yet purchased 1,431 Other liabilities 158 Purchase price 396 The purchase price allocation for KGS is subject to refinement as we complete the valuation of the assets acquired and liabilities assumed.

Deposits and Subordinated Debt

Deposits and Subordinated Debt (Tables)	9 Months Ended
	Jul. 31, 2019
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Summary of Deposits	Payable on demand Payable Payable on (Canadian $ in millions) Interest bearing Non-interest after notice a fixed date (4)(5) Total July 31, October 31, July 31, October 31, July 31, October 31, July 31, October 31, July 31, October 31, Deposits by: Banks (1) 2,606 1,450 1,424 1,400 883 526 24,407 24,531 29,320 27,907 Business and government 25,181 25,266 32,159 33,984 79,734 67,026 189,908 185,901 326,982 312,177 Individuals 3,233 3,476 22,548 21,345 92,862 90,233 78,438 65,790 197,081 180,844 Total (2) (3) 31,020 30,192 56,131 56,729 173,479 157,785 292,753 276,222 553,383 520,928 Booked in: Canada 25,514 21,735 48,406 47,231 86,459 82,091 179,587 160,069 339,966 311,126 United States 4,398 7,395 7,704 9,477 85,875 74,476 86,000 86,805 183,977 178,153 Other countries 1,108 1,062 21 21 1,145 1,218 27,166 29,348 29,440 31,649 Total 31,020 30,192 56,131 56,729 173,479 157,785 292,753 276,222 553,383 520,928 (1) Includes regulated and central banks. (2) Includes structured notes designated at fair value through profit or loss. (3) As at July 31, 2019 and October 31, 2018, total deposits payable on a fixed date included $31,317 million and $29,673 million, respectively, of federal funds purchased and commercial paper issued and other deposit liabilities. Included in deposits as at July 31, 2019 and October 31, 2018 are $274,625 million and $259,747 million, respectively, of deposits denominated in U.S. dollars, and $33,792 million and $37,427 million, respectively, of deposits denominated in other foreign currencies. (4) Includes $260,007 million of deposits, each greater than one hundred thousand dollars, of which $165,061 million were booked in Canada, $67,790 million were booked in the United States and $27,156 million were booked in other countries ($246,685 million, $145,574 million, $71,770 million and $29,341 million, respectively, as at October 31, 2018). Of the $165,061 million of deposits booked in Canada, $65,563 million mature in less than three months, $8,403 million mature in three to six months, $18,226 million mature in six to twelve months and $72,869 million mature after twelve months ($145,574 million, $55,190 million, $3,836 million, $12,909 million and $73,639 million, respectively, as at October 31, 2018). (5) Includes $12,992 million of senior unsecured debt as at July 31, 2019 subject to the Bank Recapitalization (Bail-In) Bail-In non-viable. Certain comparative figures have been reclassified to conform with the current period’s presentation.

Equity (Tables)

Equity (Tables)	9 Months Ended
	Jul. 31, 2019
Statement [LineItems]
Summary of Classes of Preferred and Common Shares Outstanding	Preferred and Common Shares Outstanding and Other Equity Instruments (1) (Canadian $ in millions, except as noted) July 31, 2019 October 31, 2018 Number of Amount Number of Amount Convertible into… Preferred Shares - Classified as Equity Class B – Series 25 9,425,607 236 9,425,607 236 Class B - Series 26 (2) Class B – Series 26 2,174,393 54 2,174,393 54 Class B - Series (2) Class B – Series 27 20,000,000 500 20,000,000 500 Class B - Series (2)(3) Class B – Series 29 16,000,000 400 16,000,000 400 Class B - Series (2)(3) Class B – Series 31 12,000,000 300 12,000,000 300 Class B - Series (2)(3) Class B – Series 33 8,000,000 200 8,000,000 200 Class B - Series (2)(3) Class B – Series 35 6,000,000 150 6,000,000 150 Not convertible (3) Class B – Series 36 600,000 600 600,000 600 Class B - Series 37 (2)(3) Class B – Series 38 24,000,000 600 24,000,000 600 Class B - Series 39 (2)(3) Class B – Series 40 20,000,000 500 20,000,000 500 Class B - Series 41 (2)(3) Class B – Series 42 16,000,000 400 16,000,000 400 Class B - Series 43 (2)(3) Class B – Series 44 16,000,000 400 16,000,000 400 Class B - Series 45 (2)(3) Class B – Series 46 14,000,000 350 - - Class B - Series 47 (2)(3) Preferred Shares - Classified as Equity 4,690 4,340 Other Equity Instruments 658 - Variable number of common shares (4) Common Shares (5) (6) 639,035,737 12,958 639,329,625 12,929 Share Capital and Other Equity Instruments 18,306 17,269 (1) For additional information refer to Notes 16 and 20 of our annual consolidated financial statements for the year ended October 31, 2018 on pages 182 and 192 of our 2018 Annual Report. (2) If converted, the holders have the option to convert back to the original preferred shares on subsequent redemption dates. (3) The shares issued include a non-viability non-viable non-viability. (4) The Other Equity Instruments (notes) issued include a non-viability non-viable non-viability. (5) The stock options issued under the Stock Option Plan are convertible into 6,318,299 common shares as at July 31, 2019 (6,095,201 common shares as at October 31, 2018). (6) During the three and nine months ended July 31, 2019, we did not issue any common shares under the Shareholder Dividend Reinvestment and Share Purchase Plan. During the three and nine months ended July 31, 2019, we issued 274,868 and 706,112 common shares, respectively, under the Stock Option Plan.
Additional Tier 1 Capital Notes (NVCC) [member]
Statement [LineItems]
Summary of Classes of Preferred and Common Shares Outstanding	On July 30, 2019, we issued US$500 million 4.800% Additional Tier 1 Capital Notes (NVCC) (“notes”) which are classified as equity and form part of our additional Tier 1 non-viability (Canadian $ in millions, except as noted) Face value Interest rate (%) Redeemable at our option Convertible to July 31, 2019 October 31, 2018 4.800% Additional Tier 1 Capital Notes US$ 500 4.800 (1) August 2024 (2) Variable number of 658 - Total 658 - (1) Non-cumulative (2) The notes are redeemable, at a redemption price equal to 100% of the principal amount, plus any accrued and unpaid interest, in whole or in part at our option on or after the first interest reset date in 2024 or following certain regulatory or tax events. The bank may, at any time, purchase the notes at any price in the open market. (3) The notes issued include a non-viability non-viable non-viability.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet	Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet Set out in the following table are the amounts that would be reported if all financial assets and liabilities not currently carried at fair value were reported at their fair values. Refer to Note 17 to our annual consolidated financial statements for the year ended October 31, 2018 on pages 184 to 190 for further discussion on the determination of fair value. (Canadian $ in millions) July 31, 2019 October 31, 2018 Carrying value Fair value Carrying value Fair value Securities Amortized cost 15,024 15,102 6,485 6,288 Loans (1) Residential mortgages 121,989 122,548 119,544 118,609 Consumer instalment and other personal 65,465 65,806 62,687 62,618 Credit cards 8,504 8,504 8,099 8,099 Business and government (2) 219,681 220,625 192,225 191,989 415,639 417,483 382,555 381,315 Deposits (3) 537,378 538,311 506,742 506,581 Securitization and structured entities’ liabilities 25,544 25,753 25,051 24,838 Subordinated debt 6,876 7,174 6,782 6,834 This table excludes financial instruments with a carrying value approximating fair value, including cash and cash equivalents, interest bearing deposits with banks, securities borrowed or purchased under resale agreements, customers’ liability under acceptances, other assets, acceptances, securities lent or sold under repurchase agreements and other liabilities. (1) Carrying value of loans is net of allowance. (2) Excludes $2,230 million of loans classified as FVTPL as at July 31, 2019 ($1,450 million as at October 31, 2018). (3) Excludes $16,005 million of structured note liabilities designated at fair value through profit or loss and accounted for at fair value ($14,186 million as at October 31, 2018).
Summary of Assets and Liabilities categorized by the Fair Value Hierarchy	The extent of our use of actively quoted market prices (Level 1), internal models using observable market information as inputs (Level 2) and internal models without observable market information as inputs (Level 3) in the valuation of securities, loans, fair value liabilities, derivative assets and derivative liabilities was as follows: (Canadian $ in millions) July 31, 2019 Valued using Valued using models Valued using models Total Trading Securities Issued or guaranteed by: Canadian federal government 7,593 2,041 - 9,634 Canadian provincial and municipal governments 3,320 4,655 - 7,975 U.S. federal government 8,253 1,324 - 9,577 U.S. states, municipalities and agencies 18 439 - 457 Other governments 1,187 579 - 1,766 NHA MBS, U.S. agency MBS and CMO 31 9,494 246 9,771 Corporate debt 2,450 6,372 26 8,848 Loans - 193 - 193 Corporate equity 46,684 1 - 46,685 69,536 25,098 272 94,906 FVTPL Securities Issued or guaranteed by: Canadian federal government 526 150 - 676 Canadian provincial and municipal governments 159 1,097 - 1,256 U.S. federal government 6 67 - 73 Other governments - 49 - 49 NHA MBS, U.S. agency MBS and CMO - 5 - 5 Corporate debt 80 7,892 - 7,972 Corporate equity 1,543 68 1,906 3,517 2,314 9,328 1,906 13,548 FVOCI Securities Issued or guaranteed by: Canadian federal government 9,707 1,337 - 11,044 Canadian provincial and municipal governments 4,376 2,771 - 7,147 U.S. federal government 15,564 1,952 - 17,516 U.S. states, municipalities and agencies - 4,164 1 4,165 Other governments 2,837 4,228 - 7,065 NHA MBS, U.S. agency MBS and CMO - 14,943 - 14,943 Corporate debt 2,260 3,215 - 5,475 Corporate equity - - 79 79 34,744 32,610 80 67,434 Business and government Loans - 66 2,164 2,230 Fair Value Liabilities Securities sold but not yet purchased 18,237 8,966 172 27,375 Structured note liabilities and other note liabilities - 16,005 - 16,005 Investment contract liabilities - 1,011 - 1,011 18,237 25,982 172 44,391 Derivative Assets Interest rate contracts 13 9,594 - 9,607 Foreign exchange contracts 6 10,334 - 10,340 Commodity contracts 146 984 - 1,130 Equity contracts 214 857 - 1,071 Credit default swaps - 52 - 52 379 21,821 - 22,200 Derivative Liabilities Interest rate contracts 8 7,161 - 7,169 Foreign exchange contracts 8 12,061 - 12,069 Commodity contracts 141 1,518 - 1,659 Equity contracts 129 2,482 - 2,611 Credit default swaps - 104 1 105 286 23,326 1 23,613 (Canadian $ in millions) October 31, 2018 Valued using Valued using models Valued using models Total Trading Securities Issued or guaranteed by: Canadian federal government 9,107 1,213 - 10,320 Canadian provincial and municipal governments 4,013 4,689 - 8,702 U.S. federal government 9,465 52 - 9,517 U.S. states, municipalities and agencies 78 1,138 - 1,216 Other governments 1,210 201 - 1,411 NHA MBS, U.S. agency MBS and CMO 60 8,869 255 9,184 Corporate debt 2,973 6,218 7 9,198 Loans - 199 - 199 Corporate equity 49,946 4 - 49,950 76,852 22,583 262 99,697 FVTPL Securities Issued or guaranteed by: Canadian federal government 328 103 - 431 Canadian provincial and municipal governments 219 727 - 946 U.S. federal government 69 - - 69 Other governments - - - - NHA MBS, U.S. agency MBS and CMO - 7 - 7 Corporate debt 178 6,643 - 6,821 Corporate equity 1,378 134 1,825 3,337 2,172 7,614 1,825 11,611 FVOCI Securities Issued or guaranteed by: Canadian federal government 11,978 827 - 12,805 Canadian provincial and municipal governments 3,315 3,547 - 6,862 U.S. federal government 16,823 - - 16,823 U.S. states, municipalities and agencies 14 3,640 1 3,655 Other governments 3,143 1,647 - 4,790 NHA MBS, U.S. agency MBS and CMO - 13,687 - 13,687 Corporate debt 1,959 1,797 - 3,756 Corporate equity - - 62 62 37,232 25,145 63 62,440 Business and government Loans - - 1,450 1,450 Fair Value Liabilities Securities sold but not yet purchased 26,336 2,468 - 28,804 Structured note liabilities and other note liabilities - 14,186 - 14,186 Investment contract liabilities - 800 - 800 26,336 17,454 - 43,790 Derivative Assets Interest rate contracts 18 8,959 - 8,977 Foreign exchange contracts 16 12,983 - 12,999 Commodity contracts 166 1,894 - 2,060 Equity contracts 286 1,872 - 2,158 Credit default swaps - 10 - 10 486 25,718 - 26,204 Derivative Liabilities Interest rate contracts 14 8,620 - 8,634 Foreign exchange contracts 2 11,852 - 11,854 Commodity contracts 295 1,161 - 1,456 Equity contracts 246 2,183 1 2,430 Credit default swaps - 36 1 37 557 23,852 2 24,411 Certain comparative figures have been reclassified to conform with the current period’s presentation.
Summary of Changes in Level 3 Instruments Carried At Fair Value	The table below presents a reconciliation of all changes in Level 3 financial instruments during the three and nine months ended July 31, 2019, including realized and unrealized gains (losses) included in earnings and other comprehensive income. Change in fair value (Canadian $ in millions) For the three months ended July 31, 2019 Balance Included in Included in other comprehensive Issuances/ Sales Maturities/ Transfers Transfers Fair Value Change in for instruments Trading Securities NHA MBS and U.S. agency MBS and CMO 215 (15 ) (3 ) 97 (96 ) - 53 (5 ) 246 (6 ) Corporate debt 7 - - 26 (6 ) - - (1 ) 26 - Total trading securities 222 (15 ) (3 ) 123 (102 ) - 53 (6 ) 272 (6 ) FVTPL Securities Corporate equity 1,907 10 (21 ) 77 (66 ) (1 ) - - 1,906 16 Total FVTPL securities 1,907 10 (21 ) 77 (66 ) (1 ) - - 1,906 16 FVOCI Securities Issued or guaranteed by: U.S. states, municipalities and agencies 1 - - - - - - - 1 na Corporate equity 69 - - 10 - - - - 79 na Total FVOCI securities 70 - - 10 - - - - 80 na Business and government Loans 2,172 - (31 ) 155 - (132 ) - - 2,164 - Fair Value Liabilities Securities sold but not yet purchased - - - - 172 - - - 172 - Total fair value liabilities - - - - 172 - - - 172 - Derivative Liabilities Equity contracts - - - - - - - - - - Credit default swaps - - - - - - 1 - 1 - Total derivative liabilities - - - - - - 1 - 1 - (1) Foreign exchange translation on financial instruments held by foreign subsidiaries is included in other comprehensive income, net foreign operations na – Not applicable Change in fair value (Canadian $ in millions) For the nine months ended July 31, 2019 Balance Included in Included in other comprehensive Issuances/ Sales Maturities/ Transfers Transfers Fair Value Change in unrealized gains for instruments Trading Securities NHA MBS and U.S. agency MBS and CMO 255 (22 ) 1 280 (326 ) - 98 (40 ) 246 (13 ) Corporate debt 7 - - 32 (12 ) - - (1 ) 26 - Total trading securities 262 (22 ) 1 312 (338 ) - 98 (41 ) 272 (13 ) FVTPL Securities Corporate equity 1,825 20 2 324 (264 ) (1 ) - - 1,906 36 Total FVTPL 1,825 20 2 324 (264 ) (1 ) - - 1,906 36 FVOCI Securities Issued or guaranteed by: U.S. states, municipalities and agencies 1 - - - - - - - 1 na Corporate equity 62 - - 17 - - - - 79 na Total FVOCI securities 63 - - 17 - - - - 80 na Business and government Loans 1,450 7 13 1,369 - (675 ) - - 2,164 - Fair Value Liabilities Securities sold but not yet purchased - - - (7 ) 179 - - - 172 - Total fair value liabilities - - - (7 ) 179 - - - 172 - Derivative Liabilities Equity contracts 1 - - - - - - (1 ) - - Credit default swaps 1 - - - - - 1 (1 ) 1 - Total derivative liabilities 2 - - - - - 1 (2 ) 1 - (1) Foreign exchange translation on financial instruments held by foreign subsidiaries is included in other comprehensive income, net foreign operations na – Not applicable

Employee Compensation (Tables)

Employee Compensation (Tables)	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Summary of Ranges of Values used for each Option Pricing Assumption	To determine the fair value of the stock option tranches (i.e. the portion that vests each year) on the grant date, the following ranges of values were used for each option pricing assumption: For stock options granted during the nine months ended July 31, 2019 July 31, 2018 Expected dividend yield 5.7% 4.1% Expected share price volatility 20.0% - 20.1% 17.0% - 17.3% Risk-free rate of return 2.5% 2.1% Expected period until exercise (in years) 6.5 - 7.0 6.5 - 7.0 Exercise price ($) 89.90 100.63 Changes to the input assumptions can result in different fair value estimates.
Summary of Pension and Other Employee Future Benefit Expenses	Pension and Other Employee Future Benefit Expenses Pension and other employee future benefit expenses are determined as follows: (Canadian $ in millions) Pension benefit plans Other employee future benefit plans For the three months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Current service cost 48 52 2 7 Net interest (income) expense on net defined benefit (asset) liability (5 ) (2 ) 10 11 Administrative expenses 1 1 - - Benefits expense 44 51 12 18 Canada and Quebec pension plan expense 23 21 - - Defined contribution expense 37 34 - - Total pension and other employee future benefit expenses 104 106 12 18 (Canadian $ in millions) Pension benefit plans Other employee future benefit plans For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Current service cost 144 157 7 22 Net interest (income) expense on net defined benefit (asset) liability (14 ) (6 ) 29 34 Past service income (5 ) - - - Administrative expenses 3 3 - - Benefits expense 128 154 36 56 Canada and Quebec pension plan expense 70 65 - - Defined contribution expense 127 124 - - Total pension and other employee future benefit expenses 325 343 36 56

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Summary of Basic and Diluted Earnings Per Share	The following tables present our basic and diluted earnings per share: Basic Earnings Per Common Share (Canadian $ in millions, except as noted) For the three months ended For the nine months ended July 31, 2019 July 31, 2018 July 31, 2019 July 31, 2018 Net income attributable to equity holders of the bank 1,557 1,537 4,564 3,756 Dividends on preferred shares and distributions on other equity instruments (59 ) (50 ) (159 ) (141) Net income available to common shareholders 1,498 1,487 4,405 3,615 Weighted-average number of common shares outstanding (in thousands) 638,900 640,400 638,803 643,937 Basic earnings per common share (Canadian $) 2.34 2.32 6.90 5.61 Diluted Earnings Per Common Share Net income available to common shareholders adjusted for impact of dilutive instruments 1,498 1,487 4,405 3,615 Weighted-average number of common shares outstanding (in thousands) 638,900 640,400 638,803 643,937 Effect of dilutive instruments Stock options potentially exercisable (1) 5,734 5,925 5,697 5,560 Common shares potentially repurchased (4,184 ) (3,970 ) (4,137 ) (3,549) Weighted-average number of diluted common shares outstanding (in thousands) 640,450 642,355 640,363 645,948 Diluted earnings per common share (Canadian $) 2.34 2.31 6.88 5.60 (1) In computing diluted earnings per share we excluded average stock options outstanding of 687,059 and 908,194 with a weighted-average exercise price of $104.14 and $102.98, respectively, for the three and nine months ended July 31, 2019 (1,007,064 and 1,612,662 with a weighted-average exercise price of $132.86 and $120.44, respectively, for the three and nine months ended July 31, 2018) as the average share price for the period did not exceed the exercise price.

Operating Segmentation (Tables)

Operating Segmentation (Tables)	9 Months Ended
	Jul. 31, 2019
Text block [abstract]
Schedule of Operating Segments	Our results and average assets, grouped by operating segment, are as follows: (Canadian $ in millions) For the three months ended July 31, 2019 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 1,498 1,067 237 538 (123 ) 3,217 Non-interest 550 298 1,876 662 63 3,449 Total Revenue 2,048 1,365 2,113 1,200 (60 ) 6,666 Provision for credit losses on impaired loans 174 61 - 7 1 243 Provision for (recovery of) credit losses on performing loans 30 37 (2 ) 3 (5 ) 63 Total provision for (recovery of) credit losses 204 98 (2 ) 10 (4 ) 306 Insurance claims, commissions and changes in policy benefit liabilities - - 887 - - 887 Amortization 85 114 68 34 - 301 Non-interest 885 690 817 760 38 3,190 Income (loss) before taxes 874 463 343 396 (94 ) 1,982 Provision for (recovery of) income taxes 226 95 94 83 (73 ) 425 Net Income 648 368 249 313 (21 ) 1,557 Average Assets 240,205 129,143 41,891 343,009 82,715 836,963 For the three months ended July 31, 2018 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 1,402 994 212 410 (136 ) 2,882 Non-interest 532 280 1,328 695 77 2,912 Total Revenue 1,934 1,274 1,540 1,105 (59 ) 5,794 Provision for (recovery of) credit losses on impaired loans 120 54 2 3 (2 ) 177 Provision for (recovery of) credit losses on performing loans 17 (14 ) 2 4 - 9 Provision for (recovery of) credit losses 137 40 4 7 (2 ) 186 Insurance claims, commissions and changes in policy benefit liabilities - - 269 - - 269 Amortization 82 111 55 32 - 280 Non-interest 850 661 821 669 78 3,079 Income (loss) before taxes 865 462 391 397 (135 ) 1,980 Provision for (recovery of) income taxes 224 98 100 96 (75 ) 443 Net Income 641 364 291 301 (60 ) 1,537 Average Assets 225,562 112,935 36,595 312,369 76,929 764,390 (Canadian $ in millions) For the nine months ended July 31, 2019 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 4,338 3,161 699 1,698 (372 ) 9,524 Non-interest 1,585 858 5,396 1,863 170 9,872 Total Revenue 5,923 4,019 6,095 3,561 (202 ) 19,396 Provision for (recovery of) credit losses on impaired loans 410 94 1 20 (5 ) 520 Provision for (recovery of) credit losses on performing loans 52 33 (1 ) 20 (5 ) 99 Total provision for (recovery of) credit losses 462 127 - 40 (10 ) 619 Insurance claims, commissions and changes in policy benefit liabilities - - 2,374 - - 2,374 Amortization 248 343 199 105 - 895 Non-interest 2,635 2,004 2,463 2,368 278 9,748 Income (loss) before taxes 2,578 1,545 1,059 1,048 (470 ) 5,760 Provision for (recovery of) income taxes 668 327 266 231 (296 ) 1,196 Net Income 1,910 1,218 793 817 (174 ) 4,564 Average Assets 235,815 124,636 40,345 342,549 82,759 826,104 For the nine months ended July 31, 2018 Canadian U.S. Wealth BMO CM Corporate Total Net interest income 4,120 2,833 616 1,291 (437 ) 8,423 Non-interest 1,547 817 4,114 1,940 171 8,589 Total Revenue 5,667 3,650 4,730 3,231 (266 ) 17,012 Provision for (recovery of) credit losses on impaired loans 348 197 4 (14 ) (12 ) 523 Provision for (recovery of) credit losses on performing loans 18 (56 ) (1 ) 3 - (36 ) Provision for (recovery of) credit losses 366 141 3 (11 ) (12 ) 487 Insurance claims, commissions and changes in policy benefit liabilities - - 962 - - 962 Amortization 242 338 172 92 - 844 Non-interest 2,537 1,854 2,461 2,002 586 9,440 Income (loss) before taxes 2,522 1,317 1,132 1,148 (840 ) 5,279 Provision for income taxes 647 295 279 290 12 1,523 Net Income 1,875 1,022 853 858 (852 ) 3,756 Average Assets 223,467 108,591 35,375 303,526 74,222 745,181 (1) Corporate Services includes Technology and Operations. We analyze revenue on a taxable equivalent basis (“teb”) at the operating group level. Revenue and the provision for income taxes are increased on tax-exempt before-tax of income between taxable and tax-exempt Certain comparative figures have been reclassified to conform with the current period’s presentation and for changes in accounting policy (Note 1).

Basis of Presentation - Impacts

Basis of Presentation - Impacts of Applying IFRS 15 on Prior Period Consolidated Statement of Income (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Non-Interest Revenue
Securities commissions and fees	$ 259	$ 254	$ 259	$ 761	$ 769
Deposit and payment service charges	309	290	291	890	844
Card fees	109	116	117	330	317
Investment management and custodial fees	444	426	447	1,298	1,308
Underwriting and advisory fees	260	261	264	765	699
Other	124	132	123	403	414
Non-Interest Revenue	3,449	3,078	2,912	9,872	8,589
Non-Interest Expense
Employee compensation	1,960	2,010	1,873	6,042	5,848
Travel and business development	142	143	126	411	369
Professional fees	141	141	144	403	412
Other	307	318	348	928	1,057
Non-Interest Expense	3,491	3,595	3,359	10,643	10,284
Provision for income taxes	(425)	(384)	(443)	(1,196)	(1,523)
Net Income	$ 1,557	$ 1,497	1,537	$ 4,564	3,756
Increase (decrease) due to application of IFRS 15 [member]
Non-Interest Revenue
Securities commissions and fees					(3)
Deposit and payment service charges			(3)		(8)
Card fees			(27)		(104)
Investment management and custodial fees			1		4
Underwriting and advisory fees			2		5
Other			1		3
Non-Interest Revenue			(26)		(103)
Non-Interest Expense
Employee compensation					1
Travel and business development			(31)		(118)
Professional fees			2		6
Other			2		6
Non-Interest Expense			(27)		(105)
Provision for income taxes					1
Net Income			$ 1		$ 1

Securities - Additional Informa

Securities - Additional Information (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	$ 13,548	$ 12,904	$ 11,611
FVOCI Securities	67,434	68,668	62,440
Amortized cost	15,024	$ 7,881	6,485
Mandatorily measured at fair value [member]
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	2,830		2,828
Designated at fair value [member]
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	10,718		8,783
Allowance for credit losses on securities [member]
Disclosure of financial assets [line items]
FVOCI Securities	3		2
Amortized cost	$ 1		$ 1

Securities - Schedule of Unreal

Securities - Schedule of Unrealized Gains and Losses (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure of financial assets [line items]
FVOCI Securities	$ 67,434	$ 68,668	$ 62,440
Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	66,553		63,733
Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	1,002		45
Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	121		1,338
Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	67,434		62,440
Canadian federal government [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	10,987		12,884
Canadian federal government [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	65		1
Canadian federal government [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	8		80
Canadian federal government [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	11,044		12,805
Canadian provincial and municipal governments [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	7,045		6,896
Canadian provincial and municipal governments [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	103		8
Canadian provincial and municipal governments [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	1		42
Canadian provincial and municipal governments [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	7,147		6,862
US federal government [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	17,087		17,403
US federal government [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	443		4
US federal government [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	14		584
US federal government [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	17,516		16,823
US State Municipal And Agencies Debt [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	4,095		3,694
US State Municipal And Agencies Debt [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	73		16
US State Municipal And Agencies Debt [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	3		55
US State Municipal And Agencies Debt [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	4,165		3,655
Other governments member [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	6,939		4,818
Other governments member [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	128		2
Other governments member [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	2		30
Other governments member [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	7,065		4,790
National housing act mortgage backed securities [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	2,114		2,382
National housing act mortgage backed securities [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	24		6
National housing act mortgage backed securities [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	1		18
National housing act mortgage backed securities [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	2,137		2,370
US agency MBS and CMO [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	12,828		11,811
US agency MBS and CMO [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	69		2
US agency MBS and CMO [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	91		496
US agency MBS and CMO [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	12,806		11,317
Corporate debt [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	5,379		3,783
Corporate debt [member] | Gross unrealized gains [member]
Disclosure of financial assets [line items]
FVOCI Securities	97		6
Corporate debt [member] | Gross unrealized losses [member]
Disclosure of financial assets [line items]
FVOCI Securities	1		33
Corporate debt [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	5,475		3,756
Corporate equity [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	79		62
Corporate equity [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities	$ 79		$ 62

Securities - Summary of Interes

Securities - Summary of Interest Income Calculated Using Effective Interest Method (Detail) - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Disclosure Of Interest Income [line items]
Total	$ 478	$ 353	$ 1,365	$ 917
Financial assets at fair value through other comprehensive income, category [member] | Debt securities [member]
Disclosure Of Interest Income [line items]
Total	403	311	1,202	783
Amortized cost [member]
Disclosure Of Interest Income [line items]
Total	$ 75	$ 42	$ 163	$ 134

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Summary of Credit Risk Exposures for Loans Carried at Amortized Cost or FVTPL (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Oct. 31, 2018
Disclosure of credit risk exposure [line items]
Allowance for credit losses	$ 2,058	$ 1,870
Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	121,989	119,544
Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	65	76
Residential mortgages [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	417	375
Residential mortgages [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	75,705	76,439
Residential mortgages [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	23,211	21,454
Residential mortgages [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	17,514	16,386
Residential mortgages [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	524	535
Residential mortgages [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,683	4,431
Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	65,465	62,687
Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	524	538
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	497	521
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	20,727	20,256
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	15,904	13,586
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	10,335	12,945
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	14,300	11,860
Consumer installment and other personal loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,795	1,784
Consumer installment and other personal loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,431	2,273
Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	8,504	8,099
Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	245	230
Credit Card Loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,430	2,407
Credit Card Loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,209	1,151
Credit Card Loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,106	1,050
Credit Card Loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,837	2,616
Credit Card Loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	572	536
Credit Card Loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	595	569
Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	246,630	212,246
Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	968	795
Business and government loans [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,518	1,040
Business and government loans [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	135,333	111,922
Business and government loans [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	105,684	95,656
Business and government loans [member] | Gross carrying amount [member] | Watch list [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	5,063	4,423
Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	184,369	167,812
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	256	231
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	316	242
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	129,717	117,830
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	52,513	48,321
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Watch list [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	2,079	1,650
Stage One [member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	113,176	112,230
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	14	20
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	75,567	76,314
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	20,513	18,975
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	12,639	12,621
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	99	90
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,372	4,250
Stage One [member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	59,219	56,267
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	84	83
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	20,704	20,236
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	15,735	13,364
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	9,992	12,581
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	10,161	7,707
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	383	357
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,328	2,105
Stage One [member] | Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	7,164	6,865
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	42	39
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,429	2,403
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,187	1,140
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	919	943
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,947	1,742
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	129	108
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	595	568
Stage One [member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	228,652	197,890
Stage One [member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	269	232
Stage One [member] | Business and government loans [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	134,344	109,774
Stage One [member] | Business and government loans [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	94,577	88,348
Stage One [member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	174,586	160,895
Stage One [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	127	108
Stage One [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	129,427	116,108
Stage One [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	45,286	44,895
Stage Two [member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	8,413	6,958
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	34	37
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	138	125
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,698	2,479
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,875	3,765
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	425	445
Stage Two [member] | Residential mortgages [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	311	181
Stage Two [member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	5,883	6,042
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	306	312
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	23	20
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	169	222
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	343	364
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,139	4,153
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,412	1,427
Stage Two [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	103	168
Stage Two [member] | Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,340	1,234
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	203	191
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1	4
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | Very low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	22	11
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	187	107
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	890	874
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	443	428
Stage Two [member] | Credit Card Loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans		1
Stage Two [member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	16,756	13,524
Stage Two [member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	403	355
Stage Two [member] | Business and government loans [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	989	2,148
Stage Two [member] | Business and government loans [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	11,107	7,308
Stage Two [member] | Business and government loans [member] | Gross carrying amount [member] | Watch list [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	5,063	4,423
Stage Two [member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	9,490	6,702
Stage Two [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	106	96
Stage Two [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	290	1,722
Stage Two [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Sub investment grade [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	7,227	3,426
Stage Two [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Watch list [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	2,079	1,650
Stage three [member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	400	356
Stage three [member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	17	19
Stage three [member] | Residential mortgages [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	417	375
Stage three [member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	363	378
Stage three [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	134	143
Stage three [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	497	521
Stage three [member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,222	832
Stage three [member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	296	208
Stage three [member] | Business and government loans [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,518	1,040
Stage three [member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	293	215
Stage three [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Allowance for credit losses	23	27
Stage three [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	$ 316	$ 242

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018	Oct. 31, 2018
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses	$ 2,058		$ 2,058		$ 1,870
Carrying value of renegotiated loans	1,023		1,023		1,129
Renegotiated loans classified as performing	427		427		541
Renegotiated loans written off	18	$ 9	26	$ 42
Allowance for credit losses related to loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses	1,802		1,802		1,639
Allowance for credit losses related to other credit instruments [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses	$ 256		$ 256		$ 231

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Detail) - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Disclosure of credit risk exposure [line items]
Beginning balance			$ 1,870
Ending balance	$ 2,058		2,058
IFRS9 [member]
Disclosure of credit risk exposure [line items]
Ending balance	2,058	$ 1,899	2,058	$ 1,899
IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Ending balance	1,802	1,660	1,802	1,660
IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Ending balance	256	239	256	239
Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	97	96	102	99
Net remeasurement of loss allowance	(3)	13	(1)	19
Loan originations	2	2	5	8
Derecognitions and maturities	(2)	(2)	(4)	(6)
Total PCL	(3)	13		21
Write-offs	(6)	(5)	(13)	(15)
Recoveries of previous write-offs	7	1	12	5
Foreign exchange and other	(8)	(2)	(14)	(7)
Ending balance	87	103	87	103
Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	538	561	560	570
Net remeasurement of loss allowance	78	80	146	197
Loan originations	12	10	35	28
Derecognitions and maturities	(17)	(18)	(42)	(50)
Total PCL	73	72	139	175
Write-offs	(80)	(75)	(233)	(219)
Recoveries of previous write-offs	25	28	97	67
Foreign exchange and other	(9)	(2)	(16)	(9)
Ending balance	547	584	547	584
Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	308	323	293	337
Net remeasurement of loss allowance	79	43	211	156
Loan originations	5	4	15	15
Derecognitions and maturities	(7)	(12)	(21)	(37)
Total PCL	77	35	205	134
Write-offs	(91)	(79)	(250)	(242)
Recoveries of previous write-offs	20	26	66	76
Foreign exchange and other	1	1	1	1
Ending balance	315	306	315	306
Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,019	892	915	912
Net remeasurement of loss allowance	157	80	248	175
Loan originations	53	51	163	117
Derecognitions and maturities	(50)	(56)	(132)	(130)
Model changes		(10)		(10)
Total PCL	160	65	279	152
Write-offs	(52)	(60)	(123)	(190)
Recoveries of previous write-offs	2	14	61	45
Foreign exchange and other	(20)	(5)	(23)	(13)
Ending balance	1,109	906	1,109	906
Stage One [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Ending balance	536	476	536	476
Stage One [member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Ending balance	409	369	409	369
Stage One [member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Ending balance	127	107	127	107
Stage One [member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	16	19	20	16
Transfer to Stage 1	7	7	21	25
Transfer to Stage 2	(1)		(2)	(1)
Net remeasurement of loss allowance	(9)	(7)	(29)	(26)
Loan originations	2	2	5	8
Derecognitions and maturities	(1)	(1)	(1)	(2)
Total PCL	(2)	1	(6)	4
Foreign exchange and other		1		1
Ending balance	14	21	14	21
Stage One [member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	86	86	90	76
Transfer to Stage 1	44	44	131	171
Transfer to Stage 2	(4)	(3)	(13)	(17)
Transfer to Stage 3	(1)	(1)	(4)	(3)
Net remeasurement of loss allowance	(40)	(40)	(134)	(151)
Loan originations	12	10	35	28
Derecognitions and maturities	(4)	(5)	(12)	(14)
Total PCL	7	5	3	14
Foreign exchange and other	(1)	(1)	(1)
Ending balance	92	90	92	90
Stage One [member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	77	77	74	83
Transfer to Stage 1	28	33	78	149
Transfer to Stage 2	(5)	(6)	(16)	(32)
Transfer to Stage 3	(1)		(1)	(1)
Net remeasurement of loss allowance	(24)	(34)	(68)	(139)
Loan originations	5	4	15	15
Derecognitions and maturities	(1)	(1)	(3)	(2)
Total PCL	2	(4)	5	(10)
Ending balance	79	73	79	73
Stage One [member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	336	291	298	268
Transfer to Stage 1	31	44	139	95
Transfer to Stage 2	(16)	(8)	(41)	(21)
Transfer to Stage 3	(1)	(1)	(1)	(1)
Net remeasurement of loss allowance	(23)	(54)	(141)	(99)
Loan originations	53	51	163	117
Derecognitions and maturities	(28)	(25)	(75)	(59)
Model changes		(7)		(7)
Total PCL	16		44	25
Foreign exchange and other	(1)	1	9	(1)
Ending balance	351	292	351	292
Stage Two [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Ending balance	1,052	986	1,052	986
Stage Two [member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Ending balance	946	882	946	882
Stage Two [member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Ending balance	106	104	106	104
Stage Two [member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	37	31	38	34
Transfer to Stage 1	(6)	(6)	(19)	(23)
Transfer to Stage 2	2	2	5	6
Transfer to Stage 3	(3)	(1)	(7)	(7)
Net remeasurement of loss allowance	6	11	21	31
Derecognitions and maturities	(1)	(1)	(3)	(4)
Total PCL	(2)	5	(3)	3
Foreign exchange and other		1
Ending balance	35	37	35	37
Stage Two [member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	324	328	326	357
Transfer to Stage 1	(42)	(41)	(122)	(160)
Transfer to Stage 2	18	20	62	82
Transfer to Stage 3	(32)	(29)	(84)	(132)
Net remeasurement of loss allowance	66	81	168	235
Derecognitions and maturities	(13)	(13)	(30)	(36)
Total PCL	(3)	18	(6)	(11)
Foreign exchange and other	(1)	2		2
Ending balance	320	348	320	348
Stage Two [member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	231	246	219	254
Transfer to Stage 1	(28)	(33)	(78)	(149)
Transfer to Stage 2	5	6	16	32
Transfer to Stage 3	(46)	(51)	(125)	(152)
Net remeasurement of loss allowance	79	75	221	282
Derecognitions and maturities	(6)	(11)	(18)	(35)
Total PCL	4	(14)	16	(22)
Foreign exchange and other	1	1	1	1
Ending balance	236	233	236	233
Stage Two [member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	423	368	408	410
Transfer to Stage 1	(30)	(40)	(135)	(90)
Transfer to Stage 2	17	12	53	35
Transfer to Stage 3	(14)	(22)	(41)	(50)
Net remeasurement of loss allowance	91	81	230	135
Derecognitions and maturities	(22)	(31)	(57)	(71)
Model changes		(3)		(3)
Total PCL	42	(3)	50	(44)
Foreign exchange and other	(4)	3	3	2
Ending balance	461	368	461	368
Stage three [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Ending balance	470	437	470	437
Stage three [member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Ending balance	447	409	447	409
Stage three [member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Ending balance	23	28	23	28
Stage three [member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	44	46	44	49
Transfer to Stage 1	(1)	(1)	(2)	(2)
Transfer to Stage 2	(1)	(2)	(3)	(5)
Transfer to Stage 3	3	1	7	7
Net remeasurement of loss allowance		9	7	14
Total PCL	1	7	9	14
Write-offs	(6)	(5)	(13)	(15)
Recoveries of previous write-offs	7	1	12	5
Foreign exchange and other	(8)	(4)	(14)	(8)
Ending balance	38	45	38	45
Stage three [member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	128	147	144	137
Transfer to Stage 1	(2)	(3)	(9)	(11)
Transfer to Stage 2	(14)	(17)	(49)	(65)
Transfer to Stage 3	33	30	88	135
Net remeasurement of loss allowance	52	39	112	113
Total PCL	69	49	142	172
Write-offs	(80)	(75)	(233)	(219)
Recoveries of previous write-offs	25	28	97	67
Foreign exchange and other	(7)	(3)	(15)	(11)
Ending balance	135	146	135	146
Stage three [member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Transfer to Stage 3	47	51	126	153
Net remeasurement of loss allowance	24	2	58	13
Total PCL	71	53	184	166
Write-offs	(91)	(79)	(250)	(242)
Recoveries of previous write-offs	20	26	66	76
Stage three [member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	260	233	209	234
Transfer to Stage 1	(1)	(4)	(4)	(5)
Transfer to Stage 2	(1)	(4)	(12)	(14)
Transfer to Stage 3	15	23	42	51
Net remeasurement of loss allowance	89	53	159	139
Total PCL	102	68	185	171
Write-offs	(52)	(60)	(123)	(190)
Recoveries of previous write-offs	2	14	61	45
Foreign exchange and other	(15)	(9)	(35)	(14)
Ending balance	$ 297	$ 246	$ 297	$ 246

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Other assets [member]
Disclosure of credit risk exposure [line items]
Provision for credit losses	$ (1)	$ 1	$ (4)	$ 5

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Schedule of Loans and Allowance for Credit Losses by Geographic Region (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	$ 419,649	$ 414,952	$ 385,630
Allowance for credit losses	1,802	1,710	1,639
Loans, Net amount	417,847	$ 413,242	383,991
Allowance for credit losses related to loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	419,649		385,630
Loans, Net amount	417,847		383,991
Allowance for credit losses related to loans [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	447		370
Allowance for credit losses related to loans [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	1,355		1,269
Allowance for credit losses related to loans [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	255,070		243,261
Loans, Net amount	254,146		242,383
Allowance for credit losses related to loans [member] | Canada [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	192		189
Allowance for credit losses related to loans [member] | Canada [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	732		689
Allowance for credit losses related to loans [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	154,107		132,789
Loans, Net amount	153,244		132,034
Allowance for credit losses related to loans [member] | United States [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	255		181
Allowance for credit losses related to loans [member] | United States [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	608		574
Allowance for credit losses related to loans [member] | Other countries [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	10,472		9,580
Loans, Net amount	10,457		9,574
Allowance for credit losses related to loans [member] | Other countries [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses	$ 15		$ 6

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Schedule of Loans and Allowance for Credit Losses by Geographic Region (Parenthetical) (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure of detailed information about financial instruments [line items]
Other liabilities	$ 37,070	$ 37,236	$ 36,985
Allowance for credit losses on impaired loans, other credit instruments [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Other liabilities	23		27
Allowance for credit losses on performing loans, other credit instruments [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Other liabilities	$ 233		$ 204

Transfer of Assets - Additional

Transfer of Assets - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018	Oct. 31, 2018
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Sale of mortgage loans	$ 1,084	$ 2,651	$ 4,004	$ 6,682
United States [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Sale of mortgage loans	121	$ 278	302	$ 708
Mortgage servicing rights	$ 45		$ 45		$ 52

Transfer of Assets - Summary of

Transfer of Assets - Summary of Carrying Amount and Fair Value (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Oct. 31, 2018
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying amount of assets	$ 17,438	$ 17,209
Carrying amount of associated liabilities	16,959	16,925
Residential mortgages [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying amount of assets	6,290	5,569
Other related assets [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying amount of assets	$ 11,148	$ 11,640

Transfer of Assets - Summary _2

Transfer of Assets - Summary of Carrying Amount and Fair Value (Parenthetical) (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Oct. 31, 2018
Disclosure of transferred financial assets that are not derecognised in their entirety [abstract]
Fair value of assets	$ 17,459	$ 17,105
Associated liabilities	$ 17,200	$ 16,763

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) $ in Millions, $ in Millions	Sep. 01, 2018CAD ($)	Jul. 31, 2019CAD ($)	Jan. 31, 2019CAD ($)	Jan. 31, 2019USD ($)	Sep. 01, 2018USD ($)
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Acquisition of the business			$ 396	$ 303
KGS- Alpha Capital Market [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Acquisition of the business	$ 397	$ 396			$ 304
Acquired intangible assets	49
Acquired goodwill	54
Goodwill expected to be deductible for tax purposes.	$ 32
KGS- Alpha Capital Market [member] | Top of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortization period	Fourteen years
KGS- Alpha Capital Market [member] | Bottom of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortization period	Three years

Acquisitions - Summary of Fair

Acquisitions - Summary of Fair Value of Assets Acquired and Liabilities Assumed at The Date of Acquisition (Detail) $ in Millions, $ in Millions	Jul. 31, 2019CAD ($)	Jan. 31, 2019CAD ($)	Jan. 31, 2019USD ($)	Sep. 01, 2018CAD ($)	Sep. 01, 2018USD ($)
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Purchase price		$ 396	$ 303
KGS- Alpha Capital Market [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Securities - trading	$ 5,193
Securities borrowed or purchased under resale agreements	5,669
Goodwill and intangible assets	103
Other assets	583
Total assets	11,548
Securities lent or sold under repurchase agreements	9,563
Securities sold but not yet purchased	1,431
Other liabilities	158
Purchase price	$ 396			$ 397	$ 304

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure Of Deposits [line items]
Interest bearing	$ 31,020		$ 30,192
Non-interest bearing	56,131		56,729
Payables after notice	173,479		157,785
Payable on a fixed date	292,753		276,222
Total	553,383	$ 548,837	520,928
Banks [Member]
Disclosure Of Deposits [line items]
Interest bearing	2,606		1,450
Non-interest bearing	1,424		1,400
Payables after notice	883		526
Payable on a fixed date	24,407		24,531
Total	29,320		27,907
Business and governments [member]
Disclosure Of Deposits [line items]
Interest bearing	25,181		25,266
Non-interest bearing	32,159		33,984
Payables after notice	79,734		67,026
Payable on a fixed date	189,908		185,901
Total	326,982		312,177
Individuals [Member]
Disclosure Of Deposits [line items]
Interest bearing	3,233		3,476
Non-interest bearing	22,548		21,345
Payables after notice	92,862		90,233
Payable on a fixed date	78,438		65,790
Total	197,081		180,844
Canada [member]
Disclosure Of Deposits [line items]
Interest bearing	25,514		21,735
Non-interest bearing	48,406		47,231
Payables after notice	86,459		82,091
Payable on a fixed date	179,587		160,069
Total	339,966		311,126
United States [member]
Disclosure Of Deposits [line items]
Interest bearing	4,398		7,395
Non-interest bearing	7,704		9,477
Payables after notice	85,875		74,476
Payable on a fixed date	86,000		86,805
Total	183,977		178,153
Other countries [member]
Disclosure Of Deposits [line items]
Interest bearing	1,108		1,062
Non-interest bearing	21		21
Payables after notice	1,145		1,218
Payable on a fixed date	27,166		29,348
Total	$ 29,440		$ 31,649

Deposits - Summary of Deposit_2

Deposits - Summary of Deposits (Parenthetical) (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Oct. 31, 2018
Disclosure Of Deposits [line items]
Total deposits payable on a fixed date	$ 31,317	$ 29,673
Deposits booked payable on a fixed date	292,753	276,222
Bank Recapitalization (Bail-In) Regime [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	12,992	37
More Than One Hundred Thousand [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	260,007	246,685
Canada [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	179,587	160,069
Canada [member] | More Than One Hundred Thousand [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	165,061	145,574
Canada [member] | More Than One Hundred Thousand [member] | 0 to 3 months [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	65,563	55,190
Canada [member] | More Than One Hundred Thousand [member] | 3-6 month [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	8,403	3,836
Canada [member] | More Than One Hundred Thousand [member] | Later than six months and not later than one year [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	18,226	12,909
Canada [member] | More Than One Hundred Thousand [member] | After 12 months [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	72,869	73,639
United States [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	86,000	86,805
United States [member] | More Than One Hundred Thousand [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	67,790	71,770
Other countries [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	27,166	29,348
Other countries [member] | More Than One Hundred Thousand [member]
Disclosure Of Deposits [line items]
Deposits booked payable on a fixed date	27,156	29,341
U.S. dollars [member]
Disclosure Of Deposits [line items]
Deposits liabilities	274,625	259,747
Non USD Non CAD [member]
Disclosure Of Deposits [line items]
Deposits liabilities	$ 33,792	$ 37,427

Deposits and Subordinated Deb_2

Deposits and Subordinated Debt - Subordinated Debt - Additional Information (Detail) - CAD ($) $ in Millions	Aug. 01, 2019	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Subordinated Liabilities [line items]
Issue of subordinated debt	$ 0	$ 0	$ 0	$ 0	$ 1,566
Redemption of subordinated debt		$ 0	$ 0	$ 0	$ 900
3.12% Series - H Medium term Notes First Tranche | Extinguishment of debt [member]
Subordinated Liabilities [line items]
Redemption of subordinated debt	$ 1,000
Subordinated debt, interest rate	3.12%
Subordinated debt, redemption date	Sep. 19, 2019

Equity - Summary of Classes of

Equity - Summary of Classes of Preferred and Common Shares Outstanding (Detail) - CAD ($) $ in Millions	Jun. 27, 2019	Apr. 17, 2019	Mar. 29, 2019	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018	Jul. 31, 2018	Apr. 30, 2018	Oct. 31, 2017
Disclosure of classes of share capital [line items]
Balance at End of Period				$ 50,643	$ 49,395	$ 45,721	$ 44,748
Common shares [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				639,035,737		639,329,625
Balance at End of Period				$ 12,958	12,939	$ 12,929	12,924	$ 12,926	$ 13,032
Ordinary and preference shares [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				0
Balance at End of Period				$ 18,306		$ 17,269
Class B Series 25 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				9,425,607		9,425,607
Balance at End of Period				$ 236		$ 236
Convertible into				Class B - Series 26
Class B Series 26 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				2,174,393		2,174,393
Balance at End of Period				$ 54		$ 54
Convertible into				Class B - Series 25
Class B Series 27 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				20,000,000		20,000,000
Balance at End of Period				$ 500		$ 500
Convertible into			Class B - Series 28	Class B - Series 28
Class B Series 29 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				16,000,000		16,000,000
Balance at End of Period				$ 400		$ 400
Convertible into	Class B - Series 30			Class B - Series 30
Class B Series 31 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				12,000,000		12,000,000
Balance at End of Period				$ 300		$ 300
Convertible into				Class B - Series 32
Class B Series 33 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				8,000,000		8,000,000
Balance at End of Period				$ 200		$ 200
Convertible into				Class B - Series 34
Class B Series 35 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				6,000,000		6,000,000
Balance at End of Period				$ 150		$ 150
Convertible into				Not convertible
Class B Series 36 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				600,000		600,000
Balance at End of Period				$ 600		$ 600
Convertible into				Class B - Series 37
Class B Series 38 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				24,000,000		24,000,000
Balance at End of Period				$ 600		$ 600
Convertible into				Class B - Series 39
Class B Series 40 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				20,000,000		20,000,000
Balance at End of Period				$ 500		$ 500
Convertible into				Class B - Series 41
Class B Series 42 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				16,000,000		16,000,000
Balance at End of Period				$ 400		$ 400
Convertible into				Class B - Series 43
Class B Series 44 [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				16,000,000		16,000,000
Balance at End of Period				$ 400		$ 400
Convertible into				Class B - Series 45
Class B Series 46 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				14,000,000
Balance at End of Period				$ 350
Convertible into		Class B - Series 47		Class B - Series 47
Preferred shares [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				0
Balance at End of Period				$ 5,348	$ 4,690	$ 4,340	$ 4,240	$ 4,240	$ 4,240
Other Equity Instrument [member]
Disclosure of classes of share capital [line items]
Balance at End of Period				$ 658

Equity - Summary of Classes o_2

Equity - Summary of Classes of Preferred and Common Shares Outstanding (Parenthetical) (Detail) - $ / shares	3 Months Ended	9 Months Ended	12 Months Ended
	Jul. 31, 2019	Jul. 31, 2019	Oct. 31, 2018
Bottom of range [member]
Disclosure of classes of share capital [line items]
Common stock conversion price	$ 5	$ 5
Common shares [member]
Disclosure of classes of share capital [line items]
Stock options issued, convertible shares		6,318,299	6,095,201
Number of shares issued	274,868	706,112
Common shares [member] | Dividend reinvestment and share purchase plan [member]
Disclosure of classes of share capital [line items]
Number of shares issued	0	0
Common shares [member] | Share purchase plan [member]
Disclosure of classes of share capital [line items]
Number of shares issued	0	0

Equity - Additional Information

Equity - Additional Information (Detail) $ / shares in Units, $ in Millions	Jul. 30, 2019USD ($)	Jun. 27, 2019shares	Jun. 03, 2019shares	Apr. 17, 2019CAD ($)$ / sharesshares	Mar. 29, 2019shares	Dec. 31, 2018CAD ($)	Jul. 31, 2019CAD ($)shares	Jul. 31, 2018CAD ($)	Jul. 31, 2019CAD ($)shares	Jul. 31, 2018CAD ($)	Jul. 31, 2019USD ($)shares
Disclosure of classes of share capital [line items]
Number of shares redeemed											0
Gross proceeds | $							$ 658,000,000	$ 0	$ 1,008,000,000	$ 0
Additional Tier 1 Capital Notes (NVCC) [member]
Disclosure of classes of share capital [line items]
Note Issued Face Value | $	$ 500										$ 500
Interest Rate	4.80%								4.80%
BMO Capital Trust II [member] | Tier 1 Notes- Series A [member]
Disclosure of classes of share capital [line items]
Issued and outstanding redemption amount | $						$ 1,000
Redemption of capital trust securities | $						$ 450,000,000
Class B Series 46 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Description of conversion of preferred share				Class B - Series 47					Class B - Series 47
Number of shares issued				14,000,000
Dividend rate reset term				5 years
Earliest redemption date				May 25, 2024
Dividend rate, percent				5.10%
Preferred shares issued price per share | $ / shares				$ 25
Gross proceeds | $				$ 350,000,000
Dividend rate reset premium				3.51%
Normal course issuer bid [member]
Disclosure of classes of share capital [line items]
Shares repurchased for cancellation							0		1,000,000
Normal course issuer bid [member] | Top of range [member]
Disclosure of classes of share capital [line items]
Purchase of common shares for cancellation			15,000,000
Class B Series 29 [member]
Disclosure of classes of share capital [line items]
Share conversion basis		One-for-one basis
Description of conversion of preferred share		Class B - Series 30							Class B - Series 30
Number of shares tendered		223,098
Number of shares required for conversion		1,000,000
Number of shares issued		0
Dividend rate reset term		5 years
Earliest redemption date		Aug. 24, 2024
Dividend rate, percent		3.624%
Class B Series 27 [member]
Disclosure of classes of share capital [line items]
Share conversion basis					one-for-one basis
Description of conversion of preferred share					Class B - Series 28				Class B - Series 28
Number of shares tendered					412,564
Number of shares required for conversion					1,000,000
Number of shares issued					0
Dividend rate reset term					5 years
Earliest redemption date					May 24, 2024
Dividend rate, percent					3.852%

Equity -Schedule of the Equity

Equity -Schedule of the Equity Instrument (Detail) $ in Millions	Jul. 30, 2019USD ($)	Jul. 31, 2019CAD ($)	Jul. 31, 2019USD ($)
Disclosure of classes of share capital [line items]
Redemption Price		100.00%	100.00%
Conversion Price		$ 5
Additional Tier 1 Capital Notes (NVCC) [member]
Disclosure of classes of share capital [line items]
Face value	$ 500		$ 500
Interest rate (%)	4.80%	4.80%
Redeemable at our option		Aug. 31, 2024

Fair Value of Financial Instr_3

Fair Value of Financial Instruments - Summary of Financial Instruments Designated At Fair Value Through Profit Or Loss (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Securities
Amortized cost	$ 15,024	$ 7,881	$ 6,485
Loans
Consumer instalment and other personal	65,989	64,454	63,225
Credit cards	8,749	8,467	8,329
Business and government	222,857	221,253	194,456
Loans gross of allowance for loan losses	419,649	414,952	385,630
Deposits	553,383	548,837	520,928
Securitization and structured entities' liabilities	25,544	25,621	25,051
Subordinated debt	6,876	$ 6,953	6,782
Not Carried At Fair Value [member] | At carrying value [member]
Securities
Amortized cost	15,024		6,485
Loans
Residential mortgages	121,989		119,544
Consumer instalment and other personal	65,465		62,687
Credit cards	8,504		8,099
Business and government	219,681		192,225
Loans gross of allowance for loan losses	415,639		382,555
Deposits	537,378		506,742
Securitization and structured entities' liabilities	25,544		25,051
Subordinated debt	6,876		6,782
Not Carried At Fair Value [member] | Fair Value [Member]
Securities
Amortized cost	15,102		6,288
Loans
Residential mortgages	122,548		118,609
Consumer instalment and other personal	65,806		62,618
Credit cards	8,504		8,099
Business and government	220,625		191,989
Loans gross of allowance for loan losses	417,483		381,315
Deposits	538,311		506,581
Securitization and structured entities' liabilities	25,753		24,838
Subordinated debt	$ 7,174		$ 6,834

Fair Value of Financial Instr_4

Fair Value of Financial Instruments - Summary of Financial Instruments Designated At Fair Value Through Profit Or Loss (Parenthetical) (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Fairvalue of financial instruments on balance sheet [line items]
Business and government	$ 222,857	$ 221,253	$ 194,456
Deposits	553,383	$ 548,837	520,928
Financial assets at fair value through profit or loss [member]
Fairvalue of financial instruments on balance sheet [line items]
Deposits	16,005		14,186
Financial assets at fair value through profit or loss [member] | Not Carried At Fair Value [member]
Fairvalue of financial instruments on balance sheet [line items]
Business and government	$ 2,230		$ 1,450

Fair Value of Financial Instr_5

Fair Value of Financial Instruments - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018	Oct. 31, 2018
Disclosure Of Fair Value Of Financial Instruments [line items]
Increase (decrease) in non-interest revenue and trading revenue	$ (168)		$ (128)	$ (1,010)	$ 340
Increase (decrease) other comprehensive income before tax	49		36	35	(6)
Fair value of notes on contractual maturity	16,005			16,005		$ 14,186
Notional amount of notes on contractual maturity	15,933			15,933		15,088
Unrealized gain (loss) due to change in credit spread				(296)
Unrealized gain (loss) in other comprehensive income due to change in credit spread				(220)
Unrealized gain (loss) in statement of income due to change in credit spread				(76)
Fair value of investment	13,548	$ 12,904		13,548		11,611
Fair value of investment through profit loss increase (decrease) in non-interest revenue, insurance revenue	989	$ 710	427	2,748	1,394
Fair value of investment in contract liabilities	1,011			1,011		800
Change in fair value of investment contract liabilities	41		(2)	102	(15)
Gain (loss) recorded in other comprehensive income due to changes in credit spread	(7)		3	(19)	1
Related to securities held by insurance subsidiaries [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Fair value of investment	10,718			10,718		$ 8,783
Unrealized gain loss through profit or loss from securities held by insurance subsidiary [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Fair value of investment through profit loss increase (decrease) in non-interest revenue, insurance revenue	383		$ 49	976	$ (85)
Trading securities [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	1,734			5,392
Transfers out of Level 2 into Level 1 of fair value hierarchy	901			4,260
Trading securities [member] | Valued using models (with observable inputs) [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Transfers out of Level 2 into Level 3 of fair value hierarchy	53			98
Transfers out of Level 3 into Level 2 of fair value hierarchy	6			41
Securities sold but not yet purchased [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	6,362			9,905
Transfers out of Level 2 into Level 1 of fair value hierarchy	98			2,501
Financial assets at fair value through other comprehensive income, category [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	1,834			9,723
Transfers out of Level 2 into Level 1 of fair value hierarchy	2,335			3,910
Financial assets at fair value through profit or loss [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	218			682
Transfers out of Level 2 into Level 1 of fair value hierarchy	$ 38			$ 390

Fair Value of Financial Instr_6

Fair Value of Financial Instruments - Summary of Fair Value Measurement of Assets And Liabilities (Detail) - CAD ($) $ in Millions	Jul. 31, 2019	Apr. 30, 2019	Oct. 31, 2018
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	$ 94,906	$ 100,991	$ 99,697
FVTPL Securities	13,548	12,904	11,611
FVOCI Securities	67,434	68,668	62,440
Business and Government Loans	222,857	221,253	194,456
Investment contract liabilities	1,011		800
Derivative Assets
Derivative Assets	22,200	20,627	26,204
Derivative Liabilities
Derivative Liabilities	23,613	$ 21,549	24,411
Measured at fair value [Member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	94,906		99,697
FVTPL Securities	13,548		11,611
FVOCI Securities	67,434		62,440
Business and Government Loans	2,230		1,450
Securities sold but not yet purchased	27,375		28,804
Structured note liabilities and other note liabilities	16,005		14,186
Investment contract liabilities	1,011		800
Fair value liabilities	44,391		43,790
Derivative Assets
Derivative Assets	22,200		26,204
Derivative Liabilities
Derivative Liabilities	23,613		24,411
Measured at fair value [Member] | Canadian federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	9,634		10,320
FVTPL Securities	676		431
FVOCI Securities	11,044		12,805
Measured at fair value [Member] | Canadian government provincial [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	7,975		8,702
FVTPL Securities	1,256		946
FVOCI Securities	7,147		6,862
Measured at fair value [Member] | U.S. federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	9,577		9,517
FVTPL Securities	73		69
FVOCI Securities	17,516		16,823
Measured at fair value [Member] | US States, municipalities and agencies [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	457		1,216
FVOCI Securities	4,165		3,655
Measured at fair value [Member] | Other governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	1,766		1,411
FVTPL Securities	49
FVOCI Securities	7,065		4,790
Measured at fair value [Member] | NHA MBS US agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	9,771		9,184
FVTPL Securities	5		7
FVOCI Securities	14,943		13,687
Measured at fair value [Member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	8,848		9,198
FVTPL Securities	7,972		6,821
FVOCI Securities	5,475		3,756
Measured at fair value [Member] | Loans held for trading [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	193		199
Measured at fair value [Member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	46,685		49,950
FVTPL Securities	3,517		3,337
FVOCI Securities	79		62
Measured at fair value [Member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets	9,607		8,977
Derivative Liabilities
Derivative Liabilities	7,169		8,634
Measured at fair value [Member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets	10,340		12,999
Derivative Liabilities
Derivative Liabilities	12,069		11,854
Measured at fair value [Member] | Commodity contracts [member]
Derivative Assets
Derivative Assets	1,130		2,060
Derivative Liabilities
Derivative Liabilities	1,659		1,456
Measured at fair value [Member] | Equity contracts [member]
Derivative Assets
Derivative Assets	1,071		2,158
Derivative Liabilities
Derivative Liabilities	2,611		2,430
Measured at fair value [Member] | Credit default swaps [member]
Derivative Assets
Derivative Assets	52		10
Derivative Liabilities
Derivative Liabilities	105		37
Valued using quoted market prices [member] | Measured at fair value [Member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	69,536		76,852
FVTPL Securities	2,314		2,172
FVOCI Securities	34,744		37,232
Securities sold but not yet purchased	18,237		26,336
Fair value liabilities	18,237		26,336
Derivative Assets
Derivative Assets	379		486
Derivative Liabilities
Derivative Liabilities	286		557
Valued using quoted market prices [member] | Measured at fair value [Member] | Canadian federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	7,593		9,107
FVTPL Securities	526		328
FVOCI Securities	9,707		11,978
Valued using quoted market prices [member] | Measured at fair value [Member] | Canadian government provincial [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	3,320		4,013
FVTPL Securities	159		219
FVOCI Securities	4,376		3,315
Valued using quoted market prices [member] | Measured at fair value [Member] | U.S. federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	8,253		9,465
FVTPL Securities	6		69
FVOCI Securities	15,564		16,823
Valued using quoted market prices [member] | Measured at fair value [Member] | US States, municipalities and agencies [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	18		78
FVOCI Securities			14
Valued using quoted market prices [member] | Measured at fair value [Member] | Other governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	1,187		1,210
FVOCI Securities	2,837		3,143
Valued using quoted market prices [member] | Measured at fair value [Member] | NHA MBS US agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	31		60
Valued using quoted market prices [member] | Measured at fair value [Member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	2,450		2,973
FVTPL Securities	80		178
FVOCI Securities	2,260		1,959
Valued using quoted market prices [member] | Measured at fair value [Member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	46,684		49,946
FVTPL Securities	1,543		1,378
Valued using quoted market prices [member] | Measured at fair value [Member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets	13		18
Derivative Liabilities
Derivative Liabilities	8		14
Valued using quoted market prices [member] | Measured at fair value [Member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets	6		16
Derivative Liabilities
Derivative Liabilities	8		2
Valued using quoted market prices [member] | Measured at fair value [Member] | Commodity contracts [member]
Derivative Assets
Derivative Assets	146		166
Derivative Liabilities
Derivative Liabilities	141		295
Valued using quoted market prices [member] | Measured at fair value [Member] | Equity contracts [member]
Derivative Assets
Derivative Assets	214		286
Derivative Liabilities
Derivative Liabilities	129		246
Valued using models (with observable inputs) [member] | Measured at fair value [Member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	25,098		22,583
FVTPL Securities	9,328		7,614
FVOCI Securities	32,610		25,145
Business and Government Loans	66
Securities sold but not yet purchased	8,966		2,468
Structured note liabilities and other note liabilities	16,005		14,186
Investment contract liabilities	1,011		800
Fair value liabilities	25,982		17,454
Derivative Assets
Derivative Assets	21,821		25,718
Derivative Liabilities
Derivative Liabilities	23,326		23,852
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Canadian federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	2,041		1,213
FVTPL Securities	150		103
FVOCI Securities	1,337		827
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Canadian government provincial [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	4,655		4,689
FVTPL Securities	1,097		727
FVOCI Securities	2,771		3,547
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | U.S. federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	1,324		52
FVTPL Securities	67
FVOCI Securities	1,952
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | US States, municipalities and agencies [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	439		1,138
FVOCI Securities	4,164		3,640
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Other governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	579		201
FVTPL Securities	49
FVOCI Securities	4,228		1,647
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | NHA MBS US agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	9,494		8,869
FVTPL Securities	5		7
FVOCI Securities	14,943		13,687
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	6,372		6,218
FVTPL Securities	7,892		6,643
FVOCI Securities	3,215		1,797
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Loans held for trading [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	193		199
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	1		4
FVTPL Securities	68		134
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets	9,594		8,959
Derivative Liabilities
Derivative Liabilities	7,161		8,620
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets	10,334		12,983
Derivative Liabilities
Derivative Liabilities	12,061		11,852
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Commodity contracts [member]
Derivative Assets
Derivative Assets	984		1,894
Derivative Liabilities
Derivative Liabilities	1,518		1,161
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Equity contracts [member]
Derivative Assets
Derivative Assets	857		1,872
Derivative Liabilities
Derivative Liabilities	2,482		2,183
Valued using models (with observable inputs) [member] | Measured at fair value [Member] | Credit default swaps [member]
Derivative Assets
Derivative Assets	52		10
Derivative Liabilities
Derivative Liabilities	104		36
Valued using models (without observable inputs) [member] | Measured at fair value [Member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	272		262
FVTPL Securities	1,906		1,825
FVOCI Securities	80		63
Business and Government Loans	2,164		1,450
Securities sold but not yet purchased	172
Fair value liabilities	172
Derivative Liabilities
Derivative Liabilities	1		2
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | US States, municipalities and agencies [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
FVOCI Securities	1		1
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | NHA MBS US agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	246		255
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities	26		7
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
FVTPL Securities	1,906		1,825
FVOCI Securities	79		62
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | Equity contracts [member]
Derivative Liabilities
Derivative Liabilities			1
Valued using models (without observable inputs) [member] | Measured at fair value [Member] | Credit default swaps [member]
Derivative Liabilities
Derivative Liabilities	$ 1		$ 1

Fair Value of Financial Instr_7

Fair Value of Financial Instruments - Summary of Changes in Level 3 Instruments Carried At Fair Value (Detail) - Valued using models (without observable inputs) [member] - CAD ($) $ in Millions	3 Months Ended	9 Months Ended
	Jul. 31, 2019	Jul. 31, 2019
Trading securities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	$ 222	$ 262
Change in fair value included in earnings	(15)	(22)
Change in fair value included in other comprehensive income	(3)	1
Issuances/Purchases	123	312
Sales	(102)	(338)
Transfers into Level 3	53	98
Transfers out of Level 3	(6)	(41)
Assets at end of period	272	272
Change in unrealized gains (losses) recorded in income for instruments still held	(6)	(13)
Trading securities [member] | NHA MBS US agency MBS and CMO [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	215	255
Change in fair value included in earnings	(15)	(22)
Change in fair value included in other comprehensive income	(3)	1
Issuances/Purchases	97	280
Sales	(96)	(326)
Transfers into Level 3	53	98
Transfers out of Level 3	(5)	(40)
Assets at end of period	246	246
Change in unrealized gains (losses) recorded in income for instruments still held	(6)	(13)
Trading securities [member] | Corporate debt [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	7	7
Issuances/Purchases	26	32
Sales	(6)	(12)
Transfers out of Level 3	(1)	(1)
Assets at end of period	26	26
Financial assets at fair value through profit or loss [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	1,907	1,825
Change in fair value included in earnings	10	20
Change in fair value included in other comprehensive income	(21)	2
Issuances/Purchases	77	324
Sales	(66)	(264)
Maturities/Settlement	(1)	(1)
Assets at end of period	1,906	1,906
Change in unrealized gains (losses) recorded in income for instruments still held	16	36
Financial assets at fair value through profit or loss [member] | Corporate equity [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	1,907	1,825
Change in fair value included in earnings	10	20
Change in fair value included in other comprehensive income	(21)	2
Issuances/Purchases	77	324
Sales	(66)	(264)
Maturities/Settlement	(1)	(1)
Assets at end of period	1,906	1,906
Change in unrealized gains (losses) recorded in income for instruments still held	16	36
Financial assets at fair value through other comprehensive income, category [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	70	63
Issuances/Purchases	10	17
Assets at end of period	80	80
Financial assets at fair value through other comprehensive income, category [member] | Corporate equity [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	69	62
Issuances/Purchases	10	17
Assets at end of period	79	79
Financial assets at fair value through other comprehensive income, category [member] | US States, municipalities and agencies [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	1	1
Assets at end of period	1	1
Business and government loans [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period	2,172	1,450
Change in fair value included in earnings		7
Change in fair value included in other comprehensive income	(31)	13
Issuances/Purchases	155	1,369
Maturities/Settlement	(132)	(675)
Assets at end of period	2,164	2,164
Derivatives Liabilities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		2
Change in fair value included in earnings	0	0
Change in fair value included in other comprehensive income	0	0
Maturities/Settlement	0	0
Transfers into Level 3	1	1
Transfers out of Level 3		(2)
Liabilities at end of period	1	1
Change in unrealized gains (losses) recorded in income for instruments still held	0	0
Derivatives Liabilities [member] | Credit default swaps [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		1
Change in fair value included in earnings	0	0
Change in fair value included in other comprehensive income	0	0
Maturities/Settlement	0	0
Transfers into Level 3	1	1
Transfers out of Level 3		(1)
Liabilities at end of period	1	1
Change in unrealized gains (losses) recorded in income for instruments still held	0	0
Derivatives Liabilities [member] | Equity contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		1
Change in fair value included in earnings	0	0
Change in fair value included in other comprehensive income	0	0
Maturities/Settlement	0	0
Transfers out of Level 3		(1)
Change in unrealized gains (losses) recorded in income for instruments still held	0	0
Financial value liabilities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Change in fair value included in earnings	0	0
Change in fair value included in other comprehensive income	0	0
Purchases		(7)
Sales	172	179
Maturities/Settlement	0	0
Liabilities at end of period	172	172
Change in unrealized gains (losses) recorded in income for instruments still held	0	0
Financial value liabilities [member] | Securities sold but not yet purchased [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Change in fair value included in earnings	0	0
Change in fair value included in other comprehensive income	0	0
Purchases		(7)
Sales	172	179
Maturities/Settlement	0	0
Liabilities at end of period	172	172
Change in unrealized gains (losses) recorded in income for instruments still held	$ 0	$ 0

Capital Management - Additional

Capital Management - Additional Information (Detail)	1 Months Ended	9 Months Ended
	Jun. 30, 2019	Jul. 31, 2019
Disclosure of capital management [abstract]
Capital conservation buffer, percentage		2.50%
Common equity surcharge, percentage		1.00%
Domestic stability buffer, percentage	2.00%	1.75%

Employee Compensation - Additio

Employee Compensation - Additional Information (Detail)	9 Months Ended
	Jul. 31, 2019CAD ($)	Jul. 31, 2018CAD ($)
Disclosure of terms and conditions of share-based payment arrangement [abstract]
Number of stock options, Granted	931,047	705,398
Weighted-average fair value of options granted	$ 10.23	$ 11.30

Employee Compensation - Summary

Employee Compensation - Summary of Ranges of Values used for each Option Pricing Assumption (Detail)	9 Months Ended
	Jul. 31, 2019CAD ($)yr	Jul. 31, 2018CAD ($)yr
Disclosure of terms and conditions of share-based payment arrangement [line items]
Expected dividend yield	5.70%	4.10%
Risk-free rate of return	2.50%	2.10%
Exercise price ($) | $	$ 89.90	$ 100.63
Bottom of range [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Expected share price volatility	20.00%	17.00%
Expected period until exercise (in years)	6.5	6.5
Top of range [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Expected share price volatility	20.10%	17.30%
Expected period until exercise (in years)	7	7

Employee Compensation - Summa_2

Employee Compensation - Summary of Pension and Other Employee Future Benefit Expenses (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Disclosure of defined benefit plans [line items]
Total pension and other employee future benefit expenses recognized in the Consolidated Statement of Income	$ 1,960	$ 2,010	$ 1,873	$ 6,042	$ 5,848
Pension plans [member]
Disclosure of defined benefit plans [line items]
Current service cost	48		52	144	157
Net interest (income) expense on net defined benefit (asset) liability	(5)		(2)	(14)	(6)
Past service income				(5)
Administrative expenses	1		1	3	3
Benefits expense	44		51	128	154
Defined contribution expense	37		34	127	124
Total pension and other employee future benefit expenses recognized in the Consolidated Statement of Income	104		106	325	343
Pension plans [member] | Canada and Quebec [member]
Disclosure of defined benefit plans [line items]
Defined contribution expense	23		21	70	65
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Current service cost	2		7	7	22
Net interest (income) expense on net defined benefit (asset) liability	10		11	29	34
Benefits expense	12		18	36	56
Total pension and other employee future benefit expenses recognized in the Consolidated Statement of Income	$ 12		$ 18	$ 36	$ 56

Earnings Per Share - Summary of

Earnings Per Share - Summary of Basic and Diluted Earnings Per Share (Detail) - CAD ($) $ / shares in Units, shares in Thousands, $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Basic Earnings Per Common Share
Net income attributable to equity holders of the bank	$ 1,557	$ 1,497	$ 1,537	$ 4,564	$ 3,756
Dividends on preferred shares and distributions on other equity instruments	(59)		(50)	(159)	(141)
Net income available to common shareholders	$ 1,498		$ 1,487	$ 4,405	$ 3,615
Weighted-average number of common shares outstanding	638,900		640,400	638,803	643,937
Basic earnings per share	$ 2.34	$ 2.27	$ 2.32	$ 6.90	$ 5.61
Diluted Earnings Per Common Share
Net income available to common shareholders adjusted for impact of dilutive instruments	$ 1,498		$ 1,487	$ 4,405	$ 3,615
Weighted-average number of common shares outstanding	638,900		640,400	638,803	643,937
Effect of dilutive instruments
Stock options potentially exercisable	5,734		5,925	5,697	5,560
Common shares potentially repurchased	(4,184)		(3,970)	(4,137)	(3,549)
Weighted-average number of diluted common shares outstanding	640,450		642,355	640,363	645,948
Diluted earnings per share	$ 2.34	$ 2.26	$ 2.31	$ 6.88	$ 5.60

Earnings Per Share - Summary _2

Earnings Per Share - Summary of Basic and Diluted Earnings Per Share (Parenthetical) (Detail) - CAD ($)	3 Months Ended		9 Months Ended
	Jul. 31, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Earnings per share [line items]
Outstanding options excluded from calculation of diluted earnings per share	687,059	1,007,064	908,194	1,612,662
Dilutive potential shares from stock options [member]
Earnings per share [line items]
Exercise price of outstanding share options	$ 104.14	$ 132.86	$ 102.98	$ 120.44

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) $ in Millions	3 Months Ended
	Apr. 30, 2019CAD ($)
2011 - 2013 taxation years [member]
Disclosure of Income Tax [Line items]
Additional income tax expense and interest	$ 361
2014 taxation years [member]
Disclosure of Income Tax [Line items]
Additional income tax expense and interest	$ 250

Operating Segmentation - Additi

Operating Segmentation - Additional Information (Detail)	9 Months Ended
	Jul. 31, 2019Business
Disclosure of operating segments [abstract]
Number of operating groups	3

Operating Segmentation - Schedu

Operating Segmentation - Schedule of Operating Segments (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2019	Apr. 30, 2019	Jul. 31, 2018	Jul. 31, 2019	Jul. 31, 2018
Disclosure of operating segments [line items]
Net interest income	$ 3,217		$ 2,882	$ 9,524	$ 8,423
Non-interest revenue	3,449		2,912	9,872	8,589
Total Revenue	6,666	$ 6,213	5,794	19,396	17,012
Provision for (recovery of) credit losses	306	176	186	619	487
Insurance Claims, Commissions and Changes in Policy Benefit Liabilities	887	561	269	2,374	962
Amortization	301		280	895	844
Non-interest expense	3,190		3,079	9,748	9,440
Income (loss) before taxes	1,982	1,881	1,980	5,760	5,279
Provision for (recovery of) income taxes	425	384	443	1,196	1,523
Net Income	1,557	$ 1,497	1,537	4,564	3,756
Average Assets	836,963		764,390	826,104	745,181
Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	243		177	520	523
Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	63		9	99	(36)
Canadian P&C [member]
Disclosure of operating segments [line items]
Net interest income	1,498		1,402	4,338	4,120
Non-interest revenue	550		532	1,585	1,547
Total Revenue	2,048		1,934	5,923	5,667
Provision for (recovery of) credit losses	204		137	462	366
Amortization	85		82	248	242
Non-interest expense	885		850	2,635	2,537
Income (loss) before taxes	874		865	2,578	2,522
Provision for (recovery of) income taxes	226		224	668	647
Net Income	648		641	1,910	1,875
Average Assets	240,205		225,562	235,815	223,467
Canadian P&C [member] | Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	174		120	410	348
Canadian P&C [member] | Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	30		17	52	18
US P&C [member]
Disclosure of operating segments [line items]
Net interest income	1,067		994	3,161	2,833
Non-interest revenue	298		280	858	817
Total Revenue	1,365		1,274	4,019	3,650
Provision for (recovery of) credit losses	98		40	127	141
Amortization	114		111	343	338
Non-interest expense	690		661	2,004	1,854
Income (loss) before taxes	463		462	1,545	1,317
Provision for (recovery of) income taxes	95		98	327	295
Net Income	368		364	1,218	1,022
Average Assets	129,143		112,935	124,636	108,591
US P&C [member] | Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	61		54	94	197
US P&C [member] | Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	37		(14)	33	(56)
Wealth management [member]
Disclosure of operating segments [line items]
Net interest income	237		212	699	616
Non-interest revenue	1,876		1,328	5,396	4,114
Total Revenue	2,113		1,540	6,095	4,730
Provision for (recovery of) credit losses	(2)		4		3
Insurance Claims, Commissions and Changes in Policy Benefit Liabilities	887		269	2,374	962
Amortization	68		55	199	172
Non-interest expense	817		821	2,463	2,461
Income (loss) before taxes	343		391	1,059	1,132
Provision for (recovery of) income taxes	94		100	266	279
Net Income	249		291	793	853
Average Assets	41,891		36,595	40,345	35,375
Wealth management [member] | Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses			2	1	4
Wealth management [member] | Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	(2)		2	(1)	(1)
BMO capital markets [member]
Disclosure of operating segments [line items]
Net interest income	538		410	1,698	1,291
Non-interest revenue	662		695	1,863	1,940
Total Revenue	1,200		1,105	3,561	3,231
Provision for (recovery of) credit losses	10		7	40	(11)
Amortization	34		32	105	92
Non-interest expense	760		669	2,368	2,002
Income (loss) before taxes	396		397	1,048	1,148
Provision for (recovery of) income taxes	83		96	231	290
Net Income	313		301	817	858
Average Assets	343,009		312,369	342,549	303,526
BMO capital markets [member] | Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	7		3	20	(14)
BMO capital markets [member] | Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	3		4	20	3
Corporate services [member]
Disclosure of operating segments [line items]
Net interest income	(123)		(136)	(372)	(437)
Non-interest revenue	63		77	170	171
Total Revenue	(60)		(59)	(202)	(266)
Provision for (recovery of) credit losses	(4)		(2)	(10)	(12)
Non-interest expense	38		78	278	586
Income (loss) before taxes	(94)		(135)	(470)	(840)
Provision for (recovery of) income taxes	(73)		(75)	(296)	12
Net Income	(21)		(60)	(174)	(852)
Average Assets	82,715		76,929	82,759	74,222
Corporate services [member] | Impaired Loans [Member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	1		$ (2)	(5)	$ (12)
Corporate services [member] | Performing loans [member]
Disclosure of operating segments [line items]
Provision for (recovery of) credit losses	$ (5)			$ (5)