Bank of Montreal (BMO) 40-F 5 Dec 24 2024 FY Annual report (Canada) Financial data

Cover Page

Cover Page	12 Months Ended
	Oct. 31, 2024 shares
Document Information [Line Items]
Document Type	40-F
Amendment Flag	false
Document Registration Statement	false
Document Annual Report	true
Document Period End Date	Oct. 31, 2024
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Trading Symbol	BMO
Entity Registrant Name	BANK OF MONTREAL
Entity Central Index Key	0000927971
Current Fiscal Year End Date	--10-31
Entity Tax Identification Number	13-4941092
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding	729,585,048
Entity Interactive Data Current	Yes
Security Exchange Name	NYSE
Title of 12(b) Security	Common Shares
Entity Address, Address Line One	100 King Street West
Entity Address, Address Line Two	1 First Canadian Place
Entity Address, City or Town	Toronto
Entity Address, State or Province	ON
Entity Address, Country	CA
Entity File Number	001-13354
Entity Address, Postal Zip Code	M5X 1A1
Entity Incorporation, State or Country Code	Z4
City Area Code	416
Local Phone Number	867-6785
Annual Information Form	true
Audited Annual Financial Statements	true
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Auditor Name	KPMG LLP
Auditor Location	Toronto, Ontario, Canada
Auditor Firm ID	85
Business Contact [Member]
Document Information [Line Items]
Contact Personnel Name	Colleen Hennessy
Entity Address, Address Line One	Canal Street
Entity Address, Address Line Two	7th Floor
Entity Address, City or Town	Chicago
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	60606
City Area Code	312
Local Phone Number	497-6153

Consolidated Statement of Incom

Consolidated Statement of Income - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Interest, Dividend and Fee Income
Loans		$ 40,069	$ 34,310
Securities (Notes 3 and 10)	[1]	15,038	11,392
Securities borrowed or purchased under resale agreements		6,843	5,859
Deposits with banks		4,035	4,013
Interest, Dividend and Fee Income		65,985	55,574
Interest Expense
Deposits		34,580	26,547
Securities sold but not yet purchased and securities lent or sold under repurchase agreements		8,907	7,299
Subordinated debt		456	430
Other liabilities (Note 14)		2,574	2,617
Interest Expense		46,517	36,893
Net Interest Income		19,468	18,681
Non-Interest Revenue
Securities commissions and fees		1,106	1,025
Deposit and payment service charges		1,626	1,517
Trading revenues (losses) (Notes 10 and 18)		2,377	(216)
Lending fees		1,464	1,548
Card fees		847	700
Investment management and custodial fees		2,056	1,851
Mutual fund revenues		1,324	1,244
Underwriting and advisory fees		1,399	1,107
Securities gains, other than trading (Note 3)		200	180
Foreign exchange gains, other than trading		263	234
Insurance service results (Note 15)		340	389
Insurance investment results (Note 15)		105	171
Share of profit in associates and joint ventures		207	185
Other revenues		13	643
Non-Interest Revenue		13,327	10,578
Total Revenue		32,795	29,259
Provision for Credit Losses (Notes 4 and 10)		3,761	2,178
Non-Interest Expense
Employee compensation (Notes 21 and 22)		10,872	11,460
Premises and equipment (Note 9)		4,117	4,870
Amortization of intangible assets (Note 11)		1,112	1,008
Advertising and business development		837	812
Communications		388	367
Professional fees		583	863
Association, clearing and annual regulator fees		321	272
Other		1,269	1,482
Non-Interest Expense		19,499	21,134
Income Before Provision for Income Taxes		9,535	5,947
Provision for income taxes (Note 23)		2,208	1,510
Net Income		7,327	4,437
Attributable to:
Bank shareholders		7,318	4,425
Non-controlling interest in subsidiaries		9	12
Net Income		$ 7,327	$ 4,437
Earnings Per Common Share (Canadian $) (Note 24)
Basic		$ 9.52	$ 5.77
Diluted		9.51	5.76
Common shares [member]
Earnings Per Common Share (Canadian $) (Note 24)
Dividends per common share		$ 6.12	$ 5.8
[1]Includes interest income on securities measured at fair value through other comprehensive income (FVOCI) and amortized cost, calculated using the effective interest rate method, of $7,826 million for the year ended October 31, 2024 ($6,027 million in 2023).

Consolidated Statement of Inc_2

Consolidated Statement of Income (Parenthetical) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Operating Income Expenses [abstract]
Interest income, calculated using the effective interest rate method	$ 7,826	$ 6,027

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Statement [Line Items]
Net Income	$ 7,327	$ 4,437
Other Comprehensive Income, net of taxes (Note 23)
Reclassification to earnings of (gains) during the year	(83)	(31)
Other comprehensive income net of tax OCI debt financial assets	134	(105)
Net change in unrealized gains (losses) on derivatives designated as cash flow hedges
Gains (Losses) on derivatives designated as cash flow hedges arising during the year (Note 8)	2,512	(1,292)
Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges during the year (Note 10)	1,417	973
Other comprehensive income net of tax cash flow hedges	3,929	(319)
Net gains on translation of net foreign operations
Unrealized gains on translation of net foreign operations	287	1,399
Unrealized (losses) on hedges of net foreign operations	(100)	(373)
Other comprehensive income, net of taxes, translation of net foreign operations	187	1,026
Items that will not be subsequently reclassified to net income
Net unrealized gains on fair value through OCI equity securities arising during the year	9
Net (losses) on remeasurement of pension and other employee future benefit plans (Note 22)	(69)	(1)
Net (losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(633)	(291)
Items that will not be reclassified to net income	(693)	(292)
Total Other Comprehensive Income, net of taxes (Note 23)	3,557	310
Total Comprehensive Income	10,884	4,747
Attributable to:
Bank shareholders	10,875	4,735
Non-controlling interest in subsidiaries	9	12
Total Comprehensive Income	10,884	4,747
Debt securities [member]
Other Comprehensive Income, net of taxes (Note 23)
Unrealized gains (losses) on fair value through OCI debt securities arising during the year	$ 217	$ (74)

Consolidated Balance Sheet

Consolidated Balance Sheet - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Assets
Cash and Cash Equivalents (Note 2)	$ 65,098	$ 77,934
Interest Bearing Deposits with Banks (Note 2)	3,640	4,109
Securities (Notes 3 and 10)
Trading	168,926	123,718
Fair value through profit or loss	19,064	16,733
Fair value through other comprehensive income	93,702	62,819
Debt securities at amortized cost	115,188	116,814
Securities, net	396,880	320,084
Securities Borrowed or Purchased Under Resale Agreements (Note 4)	110,907	115,662
Loans (Notes 4, 6 and 10)
Residential mortgages	191,080	177,250
Consumer instalment and other personal	92,687	104,042
Credit cards	13,612	12,294
Business and government	384,993	366,886
Loans gross of allowance for loan losses	682,372	660,472
Allowance for credit losses (Note 4)	(4,356)	(3,807)
Loans,net	678,016	656,665
Other Assets
Derivative instruments (Note 8)	47,253	39,976
Customers' liability under acceptances (Note 12)	359	8,111
Premises and equipment (Note 9)	6,249	6,241
Goodwill (Notes 10 and 11)	16,774	16,728
Intangible assets (Notes 10 and 11)	4,925	5,216
Current tax assets	2,219	2,052
Deferred tax assets (Note 23)	3,024	3,420
Receivable from brokers, dealers and clients	31,916	53,002
Other (Note 12)	42,387	37,806
Other assets	155,106	172,552
Total Assets	1,409,647	1,347,006
Liabilities and Equity
Deposits (Note 13)	982,440	910,879
Other Liabilities
Derivative instruments (Note 8)	58,303	50,193
Acceptances (Note 14)	359	8,111
Securities sold but not yet purchased (Note 14)	35,030	43,774
Securities lent or sold under repurchase agreements (Note 6)	110,791	106,108
Securitization and structured entities' liabilities (Notes 6 and 7)	40,164	27,094
Payable to brokers, dealers and clients	34,407	53,754
Insurance-related liabilities (Note 15)	18,770	14,458
Other (Note 14)	36,720	48,284
Other liabilities	334,544	351,776
Subordinated Debt (Note 16)	8,377	8,228
Total Liabilities	1,325,361	1,270,883
Equity
Contributed surplus	354	328
Retained earnings	46,469	44,006
Accumulated other comprehensive income	5,419	1,862
Total shareholders' equity	84,250	76,095
Non-controlling interest in subsidiaries (Note 17)	36	28
Total Equity	84,286	76,123
Total Liabilities and Equity	1,409,647	1,347,006
Preferred shares and other equity instruments (Note 17) [member]
Equity
Issued capital	8,087	6,958
Total Equity	8,087	6,958
Common shares (Note 17) [member]
Equity
Issued capital	23,921	22,941
Total Equity	$ 23,921	$ 22,941

Consolidated Statement of Chang

Consolidated Statement of Changes in Equity - CAD ($) $ in Millions	Total	Contributed Surplus [member]	Retained Earnings [member]	Accumulated Other Comprehensive (Loss) on Fair Value through OCI Securities, net of taxes [member]	Accumulated Other Comprehensive (Loss) on 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 on Pension and Other Employee Future Benefit Plans, net of taxes [member]	Accumulated Other Comprehensive Income on Own Credit Risk on Financial Liabilities Designated at Fair Value, net of taxes [member]	Total Accumulated Other Comprehensive Income [member]	Total Shareholders' Equity [member]	Non-controlling interest in subsidiaries [member]	Preferred Shares and Other Equity Instruments [member]	Common shares [member]
Balance at beginning of year at Oct. 31, 2022		$ 317	$ 45,117	$ (359)	$ (5,129)	$ 5,168	$ 944	$ 928				$ 6,308	$ 17,744
Statement [Line Items]
Issued under the Shareholder Dividend Reinvestment and Share Purchase Plan													1,609
Issued under the Stock Option Plan													61
Treasury shares sold													14
Issued to align capital position with increased regulatory requirements as announced by OSFI (Note 17)													3,360
Issued for acquisitions (Notes 10 and 17)											$ 16		153
Impact from accounting policy changes (Note 1)			(974)
Net income attributable to bank shareholders	$ 4,437		4,425
Dividends on preferred shares and distributions payable on other equity instruments (Note 17)			(331)
Dividends on common shares (Note 17)			(4,148)
Issued during the year												650
Stock option expense, net of options exercised (Note 21)		11
Net premium (discount) on sale of treasury shares		(2)	(10)
Gains (losses) on derivatives designated as cash flow hedges arising during the year (Note 8)	(1,292)				(1,292)
(Losses) on remeasurement of pension and other employee future benefit plans (Note 22)	(1)						(1)
(Losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(291)							(291)
Unrealized gains (losses) on fair value through OCI debt securities arising during the year				(74)
Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges during the year (Note 10)	973				973
Unrealized gains on translation of net foreign operations	1,399					1,399
Unrealized (losses) on hedges of net foreign operations	(373)					(373)
Equity issue expense			(73)
Net income attributable to non-controlling interest in subsidiaries	12										12
Reclassification to earnings of (gains) during the year	(31)			(31)
Other		2
Balance at end of year at Oct. 31, 2023	76,123	328	44,006	(464)	(5,448)	6,194	943	637	$ 1,862	$ 76,095	28	6,958	22,941
Statement [Line Items]
Issued under the Shareholder Dividend Reinvestment and Share Purchase Plan													905
Issued under the Stock Option Plan													74
Treasury shares sold													1
Net income attributable to bank shareholders	7,327		7,318
Dividends on preferred shares and distributions payable on other equity instruments (Note 17)			(386)
Dividends on common shares (Note 17)			(4,458)
Issued during the year												2,379
Stock option expense, net of options exercised (Note 21)		15
Net premium (discount) on sale of treasury shares		11
Gains (losses) on derivatives designated as cash flow hedges arising during the year (Note 8)	2,512				2,512
(Losses) on remeasurement of pension and other employee future benefit plans (Note 22)	(69)						(69)
(Losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(633)							(633)
Unrealized gains (losses) on fair value through OCI debt securities arising during the year				217
Unrealized gains on fair value through OCI equity securities arising during the year				9
Redeemed during the year												(1,250)
Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges during the year (Note 10)	1,417				1,417
Unrealized gains on translation of net foreign operations	287					287
Unrealized (losses) on hedges of net foreign operations	(100)					(100)
Equity issue expense			(11)
Net income attributable to non-controlling interest in subsidiaries	9										9
Reclassification to earnings of (gains) during the year	(83)			(83)
Dividends to non-controlling interest in subsidiaries											(3)
Other											2
Balance at end of year at Oct. 31, 2024	$ 84,286	$ 354	$ 46,469	$ (321)	$ (1,519)	$ 6,381	$ 874	$ 4	$ 5,419	$ 84,250	$ 36	$ 8,087	$ 23,921

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Cash Flows Provided by Operating Activities
Net Income		$ 7,327	$ 4,437
Adjustments to determine net cash flows provided by operating activities:
Securities (gains), other than trading (Note 3)		(200)	(180)
Depreciation of premises and equipment (Note 9)		970	1,022
Depreciation of other assets		28	62
Amortization of intangible assets (Note 11)		1,112	1,008
Provision for credit losses (Note 4)		3,761	2,178
Deferred taxes (Note 23)		153	(708)
Share of (profit) in associates and joint ventures		(207)	(185)
Changes in operating assets and liabilities:
Trading securities		(42,700)	(13,290)
Derivative asset		(85)	14,373
Derivative liabilities		2,123	(14,924)
Current income taxes		257	(990)
Accrued interest receivable and payable		785	1,956
Insurance-related liabilities		4,312	3,257
Brokers, dealers and clients receivable and payable		1,529	405
Other items and accruals, net		(7,099)	4,028
Deposits		68,441	32,721
Loans		(24,636)	(25,094)
Securities sold but not yet purchased		(8,786)	5,652
Securities lent or sold under repurchase agreements		3,766	(5,130)
Securities borrowed or purchased under resale agreements		5,480	(885)
Securitization and structured entities' liabilities		12,699	(122)
Net Cash Provided by Operating Activities		29,030	9,591
Cash Flows from Provided by (Used in) Financing Activities
Liabilities of subsidiaries		(12,071)	2,068
Proceeds from issuance of covered bonds (Note 13)			8,027
Redemption/buyback of covered bonds (Note 13)		(2,327)	(10,743)
Proceeds from issuance of subordinated debt (Note 16)		1,000	1,150
Repayment of subordinated debt (Note 16)		(1,000)	(1,179)
Proceeds from issuance of preferred shares, net of issuance costs (Note 17)		2,368	648
Redemption of preferred shares (Note 17)		(1,250)
Net proceeds from issuance of common shares (Note 17)		67	3,339
Net sale of treasury shares (Note 17)		1	14
Cash dividends and distributions paid		(3,840)	(2,703)
Cash dividends paid to non-controlling interest		(3)
Repayment of lease liabilities		(357)	(353)
Net Cash from Provided by (Used in) Financing Activities		(17,412)	268
Cash Flows (Used in) Investing Activities
Interest bearing deposits with banks		515	1,680
Purchases of securities, other than trading		(86,980)	(50,149)
Maturities of securities, other than trading		27,323	20,905
Proceeds from sales of securities, other than trading		36,177	23,186
Net purchases of premises and equipment and software (Notes 9 and 11)		(1,564)	(1,677)
Acquisitions (Note 10)	[1]		(15,102)
Net Cash (Used in) Investing Activities		(24,529)	(21,157)
Effect of Exchange Rate Changes on Cash and Cash Equivalents		75	1,766
Net (decrease) in Cash and Cash Equivalents		(12,836)	(9,532)
Cash and Cash Equivalents at Beginning of Year		77,934	87,466
Cash and Cash Equivalents at End of Year (Note 2)		65,098	77,934
Net cash provided by operating activities includes:
Interest paid in the year	[2]	45,092	33,747
Income taxes paid in the year		2,450	2,591
Interest received in the year		63,108	52,112
Dividends received in the year		$ 2,481	$ 2,349
[1]This amount is net of cash and cash equivalents of $3,646 million acquired as part of acquisitions during the year ended October 31, 2023. To mitigate changes in the Canadian dollar equivalent of the Bank of the West purchase price on closing, we entered into forward contracts, which qualified for hedge accounting.[2]Includes dividends paid on securities sold but not yet purchased.

Consolidated Statement of Cas_2

Consolidated Statement of Cash Flows (Parenthetical) $ in Millions	12 Months Ended
	Oct. 31, 2023 CAD ($)
Statement [Line Items]
Cash and cash equivalents acquired as part of the acquisitions	$ 3,646

IFRS 7 Disclosure

IFRS 7 Disclosure	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
IFRS 7 Disclosure	Text and tables presented in a blue-tinted font in the Enterprise-Wide Risk Management section of the MD&A form an integral part of the 202 4 Financial Instruments – Disclosures, Credit and Counterparty Risk Credit and Counterparty Risk Governance The Credit Risk Management Framework seeks to ensure that material credit risks to which the enterprise is exposed are identified, assessed, managed, monitored and reported on regularly. The Risk Review Committee (RRC) has oversight of the management of material risks that BMO faces, including the Credit Risk Management Framework. The framework incorporates governing principles that are defined in a series of corporate policies and standards and are given effect through specific operating procedures. These policies and standards are reviewed on a regular basis and modified as necessary, so that they are current and consistent with our risk appetite. The structure, limits (both notional and capital-based), collateral requirements, monitoring, reporting and ongoing management of credit and counterparty exposures are governed by these credit risk management principles. Lending officers in the operating groups are responsible for recommending credit decisions based on the completion of appropriate due diligence, and they assume accountability for the related risks. In some instances, relatively small transactions may be assessed by an automated decision-making process, or they may be approved by first-line underwriters with appropriate training, independence and oversight. Credit officers in Enterprise Risk and Portfolio Management (ERPM) approve larger transactions or transactions involving greater risk and are accountable for providing an objective independent assessment of the relevant lending recommendations and risks assumed by the lending officers. All of these individuals in the first and second lines of defence are subject to a lending qualification process and operate in a disciplined environment with clear delegation of decision-making authority, including individually delegated lending limits where appropriate, which are reviewed annually or more frequently, as needed. The Board of Directors annually delegates to the CEO discretionary lending limits for further specific delegation to senior officers. Credit decision-making is conducted at the management level based on the size and risk of each transaction, in accordance with a range of corporate policies, standards and procedures governing the conduct of activities in which credit risk arises. Corporate Audit Division reviews and tests management processes and controls and samples credit transactions in order to assess adherence to acceptable lending standards as set out in BMO’s Risk Appetite Statement, as well as compliance with applicable corporate policies, standards and procedures. For wholesale borrowers presenting a higher than normal risk of default, we have formal policies in place that outline the framework for managing such accounts, as well as specialized groups that manage them, as appropriate. We strive to identify borrowers facing financial difficulty early, and to return such accounts to an acceptable level of risk through the application of good business judgment and the implementation of sound and constructive workout solutions. All credit risk exposures are subject to regular monitoring. Performing wholesale accounts are reviewed on a regular basis, generally no less frequently than annually, with most subject to internal monitoring of triggers that, if breached, result in an interim review. The frequency of review rises in accordance with the likelihood and size of potential credit losses, and deteriorating higher-risk situations are referred to specialized account management groups for closer attention, as appropriate. In addition, regular portfolio and sector reviews are conducted, including stress testing and scenario analysis based on current, emerging or prospective risks. Reporting is provided at least quarterly, and more frequently where appropriate, to the Board of Directors and senior management committees in order to keep them informed of credit risk developments in our portfolios, including changes in credit risk concentrations, watchlist accounts, impaired loans, provisions for credit losses, negative credit migration and significant emerging credit risk issues. This supports the RRC and senior management committees in any related decisions they may make. Counterparty credit risk (CCR) involves a bilateral risk of loss because the market value of a transaction can be positive or negative for either counterparty. CCR exposures are subject to the credit oversight, limits, risk management framework and approval process outlined above. However, given the nature of the risk, CCR exposures are also monitored under the market risk framework. In order to reduce our exposure to CCR, transactions are often collateralized and trades may be cleared through a regulated central counterparty (CCP), which reduces overall systemic risk by standing between counterparties, maximizing netting across trades and insulating counterparties from each other’s defaults. CCPs mitigate the risk of default by any member through margin requirements (both initial and variation) and a default management process, including a default fund and other provisions. Our exposures to CCPs are subject to the same credit risk governance, monitoring and rating framework we apply to all other corporate accounts. Credit and Counterparty Risk Management Collateral Management Collateral is used for credit risk mitigation purposes in order to minimize losses that would otherwise be incurred in the event of a default. Depending on the type of borrower or counterparty, the assets available and the structure and term of the credit obligations, collateral can take various forms. For wholesale borrowers, collateral can take the form of pledges of the assets of a business, such as accounts receivable, inventory, machinery or real estate, or personal assets pledged in support of guarantees. For trading counterparties, BMO may enter into legally enforceable netting agreements for on-balance Collateral for BMO’s derivatives trading counterparty exposures primarily comprises cash and eligible liquid securities that are monitored and revalued on a daily basis. Collateral is obtained under the contractual terms of standardized industry documentation. With limited exceptions, we utilize the Master Agreement provided by International Swaps and Derivatives Association Inc., frequently with a Credit Support Annex, to document our collateralized trading relationships with counterparties for over-the-counter A Credit Support Annex entitles a party to demand a transfer of collateral (or other credit support) when its exposure to OTC derivatives of the other party exceeds an agreed threshold. Collateral to be transferred can include variation margin or initial and variation margin. Credit Support Annexes contain, among other measures, certain thresholds and provisions setting out acceptable types of collateral, a method for their valuation (discounts are often applied to market values), the availability of the collateral for re-pledging To document our contractual securities financing relationships with counterparties, we utilize master repurchase agreements for repurchase transactions, and master securities lending agreements for securities lending transactions. On a periodic basis, collateral is subject to revaluation based on the specific asset type. For loans, the value of collateral is initially established at the time of origination, and the frequency of revaluation is dependent on the type of collateral. For certain types of collateral that change frequently (e.g., accounts receivable and inventory), monitoring consists of borrower reporting, covenants and/or triggers, as appropriate, to provide early warning signs of collateral value deterioration. Periodic inspections of physical collateral may be performed, where appropriate, taking into consideration collateral type, borrower risk profile and the feasibility of conducting such inspections. For commercial real estate collateral, a full external appraisal of the property is typically obtained at the time of loan origination, unless the exposure is below a specified threshold amount, in which case an internal evaluation and a site inspection are conducted. Internal evaluations may consider property tax assessments, purchase prices, real estate listings or realtor opinions. The case for an updated appraisal is reviewed annually, with consideration given to the borrower risk rating, existing tenants and lease contracts, as well as current market conditions. In the event a loan is classified as impaired, and depending on its size, a current external appraisal, valuation or restricted use appraisal is obtained and updated every 12 months, or more frequently as appropriate, as long as the loan remains classified as impaired. In Canada, for residential real estate that has an original loan-to-value 80 %, an independent property valuation is routinely obtained at the time of loan origination. For U.S. residential loans secured by real estate, an independent property valuation is obtained for loans that will be retained in BMO’s loan portfolio. For certain real estate loans originated for sale to government-sponsored agencies, the requirement may be waived based on an existing valuation already on file with that agency. We may use an external service provided by Canada Mortgage and Housing Corporation (CMHC) or an automated valuation model from a third-party appraisal management provider to assist in determining either the current value of a property or the need for a full property appraisal. For insured residential mortgages in Canada with an original LTV ratio greater than 80%, the default insurer is responsible for confirming the current value of the property. Portfolio Management and Concentrations of Credit and Counterparty Risk Our credit risk governance policies require an acceptable level of diversification, intended to ensure we avoid undue concentrations of credit risk. Concentrations of credit risk may exist when a relatively large number of clients are engaged in similar activities, are located in the same geographic region or have similar economic characteristics such that their ability to meet contractual obligations could be similarly affected by changes in economic, political or other conditions. Limits may be specified for several portfolio dimensions, including industry, specialty segments, country, product and single-name concentrations. We use a range of tools to reduce the credit risk exposures in our loan portfolio. These include asset sales, traditional securitizations, or the purchase of credit protection in the form of credit default swaps or credit insurance and risk transfer transactions. Credit risk is mitigated by obtaining protection from better-rated counterparties or high-quality collateral. Credit risk mitigation activities support our management of capital, and individual and portfolio credit concentration. Our credit assets consist of a well-diversified portfolio representing millions of clients, the majority of them individual consumers and small to medium-sized Credit valuation adjustments (CVA) are fair value adjustments to capture counterparty credit risk in our derivative valuations. CVA profit and loss (P&L) is recognized daily and provides a mitigant to the loss from a counterparty default by recognizing the expected credit loss given the counterparty’s probability of default, as well as our credit exposure. The risks that arise from CVA are subject to our risk governance framework and are actively monitored by a business unit reporting to trading management that has been designated to manage CVA P&L for the bank. Market hedging is performed to manage CVA risks. This activity is subject to the bank’s risk control framework in order to manage the effectiveness of hedges, and to provide independent review and oversight. The bank calculates CVA capital using both the standardized and basic approach methodologies for CVA. Total credit exposures at default by type and industry sector, as at October 31, 2024 and 2023, based on the Basel III classifications, are disclosed in the table below. TABLE 34 (Canadian $ in millions) Drawn (3) (7) Commitments (undrawn) (3) (8) Other off-balance sheet items (3) (9) OTC derivatives (4) (10) Repo-style transactions (4) (5) (11) Total (1) 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 Individual 287,741 281,087 65,568 63,812 – 13 – – – – 353,309 344,912 Financial institutions 105,378 95,366 20,484 18,690 7,447 7,201 27,393 19,307 17,712 16,177 178,414 156,741 Governments 230,353 219,795 3,024 2,551 1,760 1,575 4,481 8,193 1,070 5,870 240,688 237,984 Manufacturing 33,561 33,046 15,555 16,059 1,696 1,915 1,049 807 – – 51,861 51,827 Real estate 66,650 61,734 8,632 11,843 1,234 971 412 224 – – 76,928 74,772 Retail trade 30,595 27,825 4,262 4,621 645 441 152 129 – – 35,654 33,016 Service industries 54,433 56,588 13,830 13,552 3,192 3,172 990 696 – – 72,445 74,008 Wholesale trade 21,868 19,997 7,212 7,618 670 611 268 167 – – 30,018 28,393 Oil and gas 3,180 3,335 3,010 2,889 623 788 610 1,444 – – 7,423 8,456 Utilities 10,068 11,101 9,304 8,767 3,799 4,547 2,444 1,850 – – 25,615 26,265 Others (2) 54,173 63,210 19,247 18,132 4,343 4,009 2,306 1,634 – – 80,069 86,985 Total exposure at default (6) 898,000 873,084 170,128 168,534 25,409 25,243 40,105 34,451 18,782 22,047 1,152,424 1,123,359  (1) Credit exposure excluding equity, securitization and other assets, such as non-significant  (2) Includes remaining industries that individually comprise less than 2% of total exposures.  (3) Represents gross credit exposures without accounting for collateral.  (4) Credit exposure at default is inclusive of collateral.  (5) Repo-style transactions include repos, reverse repos and securities lending transactions, which represent both asset and liability exposures. The impact of collateral on the credit exposure for repo-style transactions is $270,482 million ($228,691 million in fiscal 2023).  (6) Excludes exposures arising from derivative and repo-style transactions that are cleared through a clearing house or a central counterparty totalling $7,086 million ($9,025 million in fiscal 2023).  (7) Drawn exposures include loans, acceptances, deposits with regulated financial institutions and certain securities.  (8) Undrawn commitments cover unutilized authorizations associated with the drawn exposures noted above, including any authorizations that are unconditionally cancellable. EAD for undrawn commitments is model-generated, based on internal empirical data.  (9) Other off-balance (10) Over-the-counter (11) EAD for repo-style transactions is the calculated exposure, net of collateral. Certain comparative figures have been reclassified to conform with the current year’s presentation and for changes in accounting policy. Risk Rating Systems BMO’s risk rating systems are designed to assess and measure the risk of exposure. Credit risk-based parameters are monitored, reviewed and validated regularly. Monitoring is conducted on a quarterly basis for both the wholesale and retail models. Refer to the Model Risk section for a discussion of model risk mitigation processes. Retail (Consumer and Small Business) The retail portfolios comprise a diversified group of individual customer accounts and include residential mortgages, personal loans, credit cards, auto loans, recreational vehicle loans, marine loans and small business loans. These loans are managed in pools of homogeneous risk exposures for risk rating purposes. Decision support processes are developed using established statistical techniques and expert systems for underwriting and monitoring purposes. Adjudication models, beh avi Retail Credit Probability of Default Bands by Risk Rating TABLE 35 Risk profile Probability of default band Exceptionally low ≤ Very low > 0.05% to 0.20% Low > 0.20% to 0.75% Medium > 0.75% to 7.00% High > 7.00% to 99.99% Default 100% Wholesale (Sovereign, Bank, Corporate and Commercial) Within our wholesale portfolios, an enterprise-wide risk rating framework is applied to all sovereign, bank, corporate and commercial counterparties. One key element of this framework is the assignment of appropriate borrower or counterparty risk ratings (BRRs). We have a range of internally developed general and sector-specific BRR models, as well as portfolio-level LGD and EAD models. The BRR models capture the key financial and non-financial low-default Credit Quality Information Portfolio Review Total enterprise-wide outstanding credit risk exposures were $1,152.4 billion as at October 31, 2024, with $568.5 billion recorded in Canada, $535.8 billion in the United States and $48.1 billion in other jurisdictions. This represented an increase of $29.1 billion or 3% from the prior year. Market Risk Market risk arises from our trading and underwriting activities, as well as our structural banking activities. The magnitude and importance of these activities to the enterprise, along with the potential volatility of market variables, call for diligent governance and a robust market risk management framework that can provide effective identification, measurement, reporting and control of market risk exposures. Trading and Underwriting Market Risk Governance Our market risk-taking activities are subject to an extensive governance framework. The Risk Review Committee (RRC) oversees the management of market risk on behalf of the Board of Directors and approves limits governing market risk exposures that are consistent with our risk appetite. The Risk Management Committee (RMC) regularly reviews and assesses significant market risk exposures and positions, and exercises ongoing senior management oversight of our risk-taking activities. Both of these committees are kept apprised of specific market risk exposures and any developments that could expose BMO to unusual, unexpected or unquantified risks associated with those market risk exposures, as well as other current and emerging market risks. In addition, all businesses and individuals authorized to conduct trading and underwriting activities on behalf of BMO are required to work within our governance framework and, as part of their first-line-of-defence Trading and Underwriting Market Risk Our trading and underwriting businesses give rise to market risk associated with buying and selling financial products in the course of meeting our customers’ needs, such as market-making and related financing activities, and assisting clients to raise funds by way of securities issuance. Identification and Assessment of Trading and Underwriting Market Risk As the first step in the management of market risk, rigorous assessment processes are in place to identify market risk exposures associated with both new products and the evolving risk profile of existing products, including on- off-balance non-trading Various metrics and techniques are then employed to measure identified market risk exposures. These include Value-at-Risk basis VaR and stress testing metrics should not be viewed as definitive predictors of the maximum amount of losses that could be experienced in the trading and underwriting portfolios in any one day, as their results are based on models and estimates and are subject to confidence levels, and the estimates could be exceeded under unforeseen market conditions. Models support the measurement of our exposure to the risk of adverse outcomes for income, retained earnings and capital. We use a variety of methods to verify the integrity of our risk models, including the application of back-testing against hypothetical losses and approval by an independent model va lidati Market Risk RWA is calculated using a standardized approach under Basel III for trading book activities along with foreign exchange risk in the banking book. Policies defining the activities eligible for trading book capital treatment and banking book capital treatment are used to delineate in-scope Monitoring and Control of Trading and Underwriting Market Risk Limits are set for our trading and underwriting activities, and are subject to regular monitoring and reporting. The reporting and escalation of exposures to senior management are performed based on our risk policies. Other significant controls include the independent valuation of financial assets and liabilities, as well as compliance with our Model Risk Management Framework to mitigate model risk. Internal risk transfer (IRT) transactions are used to hedge interest rate, credit spread and equity banking book market risks via the trading book. This activity is governed by policies intended to ensure compliance with OSFI’s Capital Adequacy Requirements (CAR) Guideline. No instruments were reassigned between the trading and banking books in fiscal 2024. Trading Market Risk Measures Trading VaR Total Trading Value at Risk (VaR) Summary (1) TABLE 44 As at or for the year ended October 31 (Pre-tax 2024 2023 Year-end Average High Low Year-end Average High Low Commodity VaR 2.1 3.8 5.4 2.0 4.0 2.4 6.1 1.2 Equity VaR 24.0 16.1 24.0 8.1 13.6 14.0 24.5 8.5 Foreign exchange VaR 1.0 1.2 2.9 0.4 1.7 2.9 5.6 1.3 Interest rate VaR (2) 23.0 30.8 44.7 22.1 38.3 38.2 54.8 26.0 Diversification (17.6 ) (19.7 ) nm nm (25.0 ) (25.4 ) nm nm Total Trading VaR 32.5 32.2 45.5 23.1 32.6 32.1 47.9 21.2 (1) One-day (2) Interest rate VaR includes general credit spread risk. nm – not meaningful Structural (Non-Trading) Structural market risk comprises interest rate risk arising from our banking activities, such as those involving loans and deposits, and foreign exchange risk arising from our foreign currency operations and exposures. Structural Market Risk Governance BMO’s Corporate Treasury group is responsible for the ongoing management of structural market risk across the enterprise, with independent oversight provided by the Market Risk group. In addition to the limits approved by our Board of Directors on earnings at risk and the sensitivity of economic value to changes in interest rates, more granular management limits are in place to guide the daily management of this risk. The RRC oversees structural market risk management, regularly reviews structural market risk positions and annually approves the structural market risk plan and limits. The RMC and Asset Liability Committee (ALCO) provide ongoing senior management oversight of risk positions and related activities. Structural Market Risk Measurement Interest Rate Risk Structural interest rate risk arises when changes in interest rates affect the market value, cash flows and earnings of assets and liabilities related to our banking activities. The objective of structural interest rate risk management is to maintain high-quality earnings and maximize sustainable product spreads, while managing risk to the economic value of our net assets arising from changes in interest rates. Structural interest rate risk primarily comprises interest rate mismatch risk and product-embedded option risk. Interest rate mismatch risk arises when there are differences in the scheduled maturities, repricing dates or reference rates of assets, liabilities and derivatives. The net interest rate mismatch, representing residual assets funded by common shareholders’ equity, is managed to align with a target maturity profile through interest rate swaps and securities. Product-embedded option risk arises when product features allow customers to alter the timing of cash flows, such as scheduled maturity or repricing dates, usually in response to changes in market conditions. Product-embedded options include loan prepayments, deposit redemption privileges and committed rates on unadvanced mortgages. Product-embedded options and associated customer behaviour are captured in risk modelling, and hedging programs may be used to limit the level of exposure to this risk. Structural interest rate risk is measured using simulations, analyses of the sensitivity of earnings and economic value, stress testing and gap analysis, in addition to other risk metrics. Earnings Sensitivity 12-month pre-tax off-balance Economic Value Sensitivity off-balance The models that measure structural interest rate risk incorporate projected changes in interest rates and predict the likely reaction of our customers to these changes. For customer loans and deposits with scheduled maturity and repricing dates (such as mortgages and term deposits), the models measure the extent to which customers are likely to use embedded options to alter those scheduled dates and timing. For customer loans and deposits without scheduled maturity and repricing dates (such as credit card loans and chequing accounts), exposure is measured using models that adjust for elasticity in product pricing and reflect historical and forecasted trends in balances. The results generated by these structural market risk models are inherently uncertain, as they reflect potential future pricing and customer behaviour, which may differ from actual experience. These models have been developed using statistical analysis and are independently validated and periodically updated through regular model performance assessment, back-testing and ongoing dialogue with the lines of business. Models developed to predict customer behaviour are also used to support product pricing. The sensitivity of structural interest rate earnings and economic value to an immediate parallel increase or decrease of 100 basis points in the yield curve is disclosed in the table below. Structural Interest Rate Sensitivity (1) (2) TABLE 45 Economic value sensitivity Earnings sensitivity (Pre-tax October 31, 2024 October 31, 2023 October 31, 2024 October 31, 2023 Canada United States Total Total Canada United States Total Total 100 basis point increase (693 ) (790 ) (1,483 ) (1,849 ) 139 228 367 304 100 basis point decrease 597 63 660 1,492 (101 ) (109 ) (210 ) (325 ) (1) Losses are presented in brackets and gains are presented as positive numbers. (2) Interest rate sensitivities assume an immediate and sustained parallel shift in assumed interest rates across the entire yield curve as at the end of the period, using a constant balance sheet. (3) Includes Canadian dollar and other currencies. Insurance Market Risk Insurance market risk includes interest rate and equity market risk arising from the activities of our BMO Insurance business. During the 2024 fiscal year, we entered into hedging arrangements to offset the impact of changes in interest rates and equity market values on our earnings. The sensitivity includes the impact of these hedging relationships. The impact of insurance market risk on earnings is reflected in insurance investment results on our Consolidated Statement of Income, and the corresponding change in insurance contract liabilities on our Consolidated Balance Sheet. The impact of insurance market risk is not reflected in the Structural Interest Rate Sensitivity table above. Non-Trading Structural foreign exchange risk arises primarily from translation risk related to our net investment in U.S. operations and from transaction risk associated with U.S.-dollar-denominated net income. pre-tax Liquidity and Funding Risk Managing liquidity and funding risk is integral to maintaining enterprise soundness and safety, depositor confidence and earnings stability. It is BMO’s policy to maintain a level of liquid assets and funding capacity sufficient to meet our financial commitments, even in times of stress. Liquidity and Funding Risk Governance The Corporate Treasury group and the operating groups, as the first line of defence, are responsible for the ongoing identification, assessment and management of liquidity and funding risk. The Corporate Treasury group is responsible for monitoring and reporting on exposures to liquidity and funding risk across the enterprise; develops and recommends for approval the Liquidity and Funding Risk Management Framework and the related risk appetite statement and limits; monitors compliance with relevant corporate policies; and assesses the impact of market events on liquidity and funding requirements on an ongoing basis. Enterprise Risk and Portfolio Management (ERPM), as the second line of defence, exercises oversight, conducts independent risk assessment and provides effective challenge of liquidity and funding management frameworks, policies, limits, monitoring and reporting across the enterprise. The Risk Management Committee (RMC) and Asset Liability Committee (ALCO) provide senior management oversight, and review and discuss significant liquidity and funding policies, issues and developments that arise in the pursuit of BMO’s strategic priorities. The Risk Review Committee (RRC) provides oversight of the management of liquidity and funding risk, annually approves the applicable policies, limits and contingency plan, and regularly reviews liquidity and funding positions. Liquidity and Funding Risk Management BMO’s Liquidity and Funding Risk Management Framework is defined and authorized in alignment with corporate policies approved by our Board of Directors and standards approved by management. These policies and standards set out key management principles, liquidity and funding metrics and related limits, as well as roles and responsibilities in the management of liquidity and funding risk across the enterprise. We have a robust limit structure in place in order to manage liquidity and funding risk. These limits define BMO’s risk appetite for the key Stress Net Liquidity Position (Stress NLP) measure, regulatory liquidity ratios, secured and unsecured funding appetite (for both trading and structural activities), as well as enterprise collateral pledging. Limits also establish the tolerance for concentrations of maturities, as well as requirements for counterparty liability diversification, business pledging activity, and the size and type of committed and uncommitted credit and liquidity facilities that may be outstanding. Operating within these limits helps to confirm that liquidity and funding risk is appropriately Liquidity and Funding Risk Measurement A key component of liquidity risk management is the measurement of liquidity risk under stress. We use Stress NLP as a key measure of liquidity risk. Stress NLP represents the amount by which liquid assets exceed potential funding needs under severe systemic and enterprise-specific stress scenarios, and a combination thereof. Potential funding needs may arise from obligations to repay retail, commercial and wholesale deposits that are withdrawn or not renewed, or to fund drawdowns on available credit and liquidity lines, as well as from obligations to pledge collateral due to ratings downgrades or market volatility, along with the continuing need to fund new assets and strategic investments. Potential funding needs are quantified by applying factors to various business activities based on management’s view of the relative level of liquidity risk related to each activity. These factors vary by deposit classification (e.g., retail, small business, non-financial non-operational Stress testing results are evaluated against our stated risk appetite and are considered in management’s decisions on limit-setting and internal liquidity transfer pricing, and they also help to inform and shape the design of business plans and contingency plans. The Liquidity and Funding Risk Management Framework is integrated with enterprise-wide stress testing. In addition to Stress NLP, we regularly monitor positions in relation to the limits and liquidity ratios noted in the Liquidity and Funding Risk Management section above. These include regulatory metrics such as LCR, Net Cumulative Cash Flow and NSFR. Unencumbered Liquid Assets Unencumbered liquid assets include high-quality assets that are marketable, can be pledged as security for borrowings, and can be converted to cash in a time frame that meets liquidity and funding requirements. Liquid assets are primarily held in our trading businesses, as well as in supplemental liquidity pools that are maintained for contingent liquidity risk management purposes. As part of the Liquidity and Funding Risk Management Framework, a Pledging of Assets corporate policy sets out the framework and limits for pledging financial and non-financial Funding Strategy BMO’s funding strategy requires that secured and unsecured wholesale funding used to support loans and less liquid assets must have a term (typically two t

Basis of Presentation

Basis of Presentation	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Basis of Presentation	Note 1: Basis of Presentation Bank of Montreal (the bank or BMO) is a chartered bank under the Bank Act (Canada) We have prepared these consolidated financial statements in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB). We also comply with interpretations of IFRS by our regulator, the Office of the Superintendent of Financial Institutions (OSFI). Our consolidated financial statements have been prepared on a historical cost basis, except for the revaluation of the following items: assets and liabilities held for trading; financial assets and liabilities measured or designated at fair value through profit or loss (FVTPL); financial assets measured or designated at FVOCI; financial assets and liabilities designated as hedged items in qualifying fair value hedge relationships; cash-settled share-based payment liabilities; defined benefit pension and other employee future benefit liabilities; and insurance-related liabilities. These consolidated financial statements were authorized for issue by the Board of Directors on December 5, 2024. Basis of Consolidation These consolidated financial statements are inclusive of the financial statements of our subsidiaries as at October 31, 2024. We conduct business through a variety of corporate structures, including subsidiaries, structured entities (SEs), associates and joint ventures. Subsidiaries are those entities where we exercise control through our ownership of the majority of the voting shares. We also hold interests in SEs, which we consolidate when we control the SEs. These are more fully described in Note 7. All of the assets, liabilities, revenues and expenses of our subsidiaries and consolidated SEs are included in our consolidated financial statements. All intercompany transactions and balances are eliminated on consolidation. We hold investments in associates, where we exert significant influence over operating and financing decisions (generally companies in which we own between 20% and 50% of the voting shares). These are accounted for using the equity method. The equity method is also applied to our investments in joint ventures, which are entities where we exercise joint control through an agreement with other shareholders. Under the equity method of accounting, investments are initially recorded at cost, and the carrying amount is increased or decreased to recognize our share of an investee’s net income or loss, including other comprehensive income or loss. Additional information regarding accounting for investments in associates and joint ventures is included in Note 12. Material Accounting Policies To facilitate a better understanding of our consolidated financial statements, we have disclosed our material accounting policies throughout the following notes with the related financial disclosures by major caption: Note Topic Page 1 Basis of Presentation 139 2 Cash and Interest Bearing Deposits with Banks 145 3 Securities 146 4 Loans and Allowance for Credit Losses 148 5 Risk Management 155 6 Transfers of Financial Assets 156 7 Structured Entities 157 8 Derivative Instruments 160 9 Premises and Equipment 169 10 Acquisitions 170 11 Goodwill and Intangible Assets 172 12 Other Assets 173 13 Deposits 174 14 Other Liabilities 175 15 Insurance 176 Note Topic Page 16 Subordinated Debt 178 17 Equity 179 18 Fair Value Measurements and Trading-Related Revenue 182 19 Offsetting of Financial Assets and Financial Liabilities 188 20 Capital Management 189 21 Employee Compensation – Share-Based Compensation 190 22 Employee Compensation – Pension and Other Employee Future Benefits 192 23 Income Taxes 196 24 Earnings Per Share 199 25 Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities 199 26 Operating and Geographic Segmentation 202 27 Significant Subsidiaries 205 28 Related Party Transactions 205 Translation of Foreign Currencies We conduct business in a variety of foreign currencies and present our consolidated financial statements in Canadian dollars, which is our functional currency. Monetary assets and liabilities, as well as non-monetary Non-monetary Unrealized gains and losses arising from translating our net investment in foreign operations into Canadian dollars, net of related hedging activities and applicable income taxes, are included in our Consolidated Statement of Comprehensive Income within net gains on translation of net foreign operations. When we dispose of a foreign operation such that control, significant influence or joint control is lost, the cumulative amount of the gain (loss) on translation and any applicable hedging activities and related income taxes is reclassified to our Consolidated Statement of Income as part of the gain or loss on disposition. Foreign currency translation gains and losses on equity securities measured at FVOCI that are denominated in foreign currencies are included in accumulated other comprehensive income on FVOCI equity securities, net of taxes, in our Consolidated Statement of Changes in Equity. All other foreign currency translation gains and losses are included in foreign exchange gains, other than trading, in our Consolidated Statement of Income as they arise. From time to time, we enter into foreign exchange hedge contracts to reduce our exposure to changes in the value of foreign currencies. Realized and unrealized gains and losses that arise on the mark-to-market non-interest Revenue Dividend Income Dividend income is recognized when the right to receive payment is established. This is the ex-dividend Fee Income Fee income is recognized based on the purpose of the fee and the terms specified in the contract with customers, generally when we have completed our obligations as specified in the contract. Payment is typically due when our obligation has been satisfied or shortly thereafter, so there is generally no significant financing component associated with payments due to us. For contracts where the transaction price includes variable consideration, revenue is only recognized to the extent that it is highly probable. When another party is involved in providing a service to a customer, we determine whether we act as a principal or an agent, which may require judgment. If we act as a principal (i.e. when we control the services in the contract before they are transferred to customers), we present revenue separately from the amount paid to the other party; otherwise, we present revenue net of the amount paid to the other party. Securities commissions and fees Deposit and payment service charges Card fees Investment management and custodial fees Mutual fund revenues Underwriting and advisory fees Leases We are lessors in both financing leases and operating leases. Leases are classified as financing leases if they transfer substantially all the risks and rewards incidental to ownership of the leased asset to the lessee. Otherwise they are classified as operating leases, as we retain substantially all the risks and rewards of asset ownership. As lessor in a financing lease, a loan is recognized equal to the investment in the lease, which is calculated as the present value of the minimum payments to be received from the lessee, discounted at the interest rate implicit in the lease, plus any unguaranteed residual value we expect to recover at the end of the lease. Finance lease income is recognized in interest, dividend and fee income, loans, in our Consolidated Statement of Income. Assets under operating leases are recorded in other assets in our Consolidated Balance Sheet. Rental income is recognized on a straight-line basis over the term of the lease in non-interest non-interest Refer to Note 9 for our policy on lessee accounting. Assets Held-for-Sale Non-current non-financial held-for-sale non-current non-interest Interbank Offered Rate Reform – Phase 2 Amendments Effective November 1, 2020, we early adopted the IASB’s IBOR Phase 2 amendments to IFRS 9 Financial Instruments Financial Instruments: Recognition and Measurement Financial Instruments: Disclosures Insurance Contracts Leases. The following table presents quantitative information as at October 31, 2023, which includes financial instruments that referenced remaining CDOR and BA rate settings, or demand facilities that were subject to remediation to amend the benchmark interest rate. BMO has transitioned all exposure to CDOR settings to ARRs as at October 31, 2024. (Canadian $ in millions) 2023 Non-derivative (1) $ 44,370 Non-derivative (1) 4,584 Derivative notional amounts (2) (3)     1,779,140 Authorized and committed loan commitments (4) (5) (6) 55,548 (1) All amounts presented based on contractual amounts outstanding at October 31, 2023, with the exception of securities, recorded in non-derivative (2) Notional amounts represent the amount to which a rate or price is applied in order to calculate the amount of cash that must be exchanged under the contract. Notional amounts do not represent assets or liabilities and therefore are not recorded in our Consolidated Balance Sheet. (3) Includes certain cross-currency swap positions where both the pay and receive legs referenced a CDOR or BA rate. For those derivatives, the table above includes the notional amounts for both the pay and receive legs in the relevant columns aligning with the CDOR or BA rate exposure. (4) Excludes personal lines of credit and credit cards that are unconditionally cancellable at our discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. (5) Includes loan commitments where our customers have the option to draw from their facility in multiple currencies. Amounts drawn will be subject to prevailing IBORs for the foreign currency, including those that are in scope of IBOR reform. (6) Commitments include backstop liquidity facilities provided by the bank to external parties. Use of Estimates and Judgments The preparation of the consolidated financial statements requires management to make estimates and judgments that affect the carrying amounts of certain assets and liabilities, certain amounts reported in net income and other related disclosures. The most significant assets and liabilities for which we must make estimates and judgments include the allowance for credit losses (ACL); financial instruments measured at fair value; pension and other employee future benefits; impairment of securities and investments in associates and joint ventures; income taxes and deferred tax assets; goodwill and intangible assets; insurance contract liabilities; provisions, including legal proceedings and restructuring charges; transfers of financial assets; consolidation of SEs; and the valuation of the assets and liabilities related to our acquisition of Bank of the West. We make judgments in assessing the business model for financial assets, as well as whether substantially all risks and rewards have been transferred in respect of transfers of financial assets and whether we control SEs, as discussed in Notes 6 and 7, respectively. If actual results were to differ from the estimates, the impact would be recorded in future periods. The economic outlook is subject to several risks that could lead to a less favourable outcome for the North American economy. These include potential higher tariffs on U.S. imports, an escalation of conflicts in the Middle East and Ukraine, heightened tensions between the United States and China over trade relations and Taiwan, tensions between Canada and India, and a possible strike by U.S. East and Gulf Coast dockworkers in January 2025. In addition, the Canadian dollar faces downside risks from possible U.S. tariffs and the upcoming renegotiation of the Canada-United States-Mexico Trade Agreement (CUSMA) in 2026. The impacts on our business, results of operations, reputation, financial performance and condition, including the potential for credit, counterparty and mark-to-market Allowance for Credit Losses The expected credit loss (ECL) model requires the recognition of credit losses generally based on 12 months of expected losses for performing loans and the recognition of lifetime losses on performing loans that have experienced a significant increase in credit risk since origination. The determination of a significant increase in credit risk takes into account many different factors and varies by product and risk segment. The bank’s methodology for determining a significant increase in credit risk is based on the change in probability of default (PD) between origination and reporting date, assessed using probability-weighted scenarios, as well as certain other criteria, such as 30 days past due and watchlist status. The assessment of a significant increase in credit risk requires experienced credit judgment. In determining whether there has been a significant increase in credit risk and in calculating the amount of ECL, we must rely on estimates and exercise judgment regarding matters for which the ultimate outcome is unknown. These judgments include changes in circumstances that may cause future assessments of credit risk to be materially different from current assessments, which could require an increase or decrease in the ACL. The calculation of ECL includes the explicit incorporation of forecasts of future economic conditions. We have developed models incorporating specific macroeconomic variables that are relevant to each portfolio. Key economic variables for our retail portfolios include our primary operating markets of Canada and the United States, and regional markets where considered significant. Forecasts are developed internally by our Economics group, considering external data and our view of future economic conditions. We exercise experienced credit judgment to incorporate multiple economic forecasts, which are probability-weighted in the determination of the final ECL. The allowance is sensitive to changes in both economic forecasts and the probability weight assigned to each forecast scenario. Additional information regarding the ACL is included in Note 4. Financial Instruments Measured at Fair Value Fair value measurement techniques are used to value various financial assets and financial liabilities, and are also used in performing impairment testing on certain non-financial Additional information regarding our fair value measurement techniques is included in Note 18. Pension and Other Employee Future Benefits Our pension and other employee future benefit expense is calculated by our independent actuaries using assumptions determined by management. If actual experience were to differ from the assumptions used, we would recognize this difference in other comprehensive income. Pension and other employee future benefit expense, plan assets and defined benefit obligations are also sensitive to changes in discount rates. We determine discount rates for all of our plans using high-quality AA-rated corporate bond yields with terms matching the plans’ specific cash flows. Additional information regarding our accounting for pension and other employee future benefits is included in Note 22. Impairment of Securities and Investments in Associates and Joint Ventures Debt securities measured at amortized cost or FVOCI are assessed for impairment using the ECL model. For securities determined to have low credit risk, the ACL is measured at an amount equal to 12-month We review our investments in associates and joint ventures, included within other assets, at each quarter-end reporting period in order to identify and evaluate any investments that show indications of possible impairment. For these investments, a significant or prolonged decline in fair value to an amount below their cost is objective evidence of impairment. Additional information regarding our accounting for debt securities measured at amortized cost or FVOCI and investments in associates and joint ventures, ACL and the determination of fair value is included in Notes 3, 12 and 18. Income Taxes and Deferred Tax Assets The provision for income taxes is calculated based on the expected tax treatment of transactions recorded in either our Consolidated Statement of Income, our Consolidated Statement of Comprehensive Income or our Consolidated Statement of Changes in Equity. In determining the provision for income taxes, we interpret tax legislation, case law and administrative positions in numerous jurisdictions and, based on our judgment, record our estimate of the amount required to settle tax obligations. We also make assumptions about the expected timing of the reversal of deferred tax assets and liabilities. If our interpretations and assumptions differ from those of tax authorities, or if the timing of reversals is not as expected, our provision for income taxes could increase or decrease in future periods. The amount of any such increase or decrease cannot be reasonably estimated. Deferred tax assets are recognized only when it is probable that sufficient taxable profit will be available in future periods against which deductible temporary differences or unused tax losses and tax credits may be utilized. We are required to assess whether it is probable that our deferred tax assets will be realized. The factors used to assess the probability of realization are our past experience of income and capital gains, our forecast of future net income before taxes, and the remaining expiration period of tax loss carryforwards and tax credits. Changes in our assessment of these factors could increase or decrease our provision for income taxes in future periods. Additional information regarding our accounting for income taxes is included in Note 23. Goodwill and Intangible Assets For the purpose of impairment testing, goodwill is allocated to our groups of cash-generating units (CGUs), which represent the lowest level within the bank at which goodwill is monitored for internal management purposes. Impairment testing is performed at least annually, by comparing the carrying values and the recoverable amounts of the CGUs to which goodwill has been allocated to determine whether the recoverable amount of each group is greater than its carrying value. If the carrying value of the group were to exceed its recoverable amount, an impairment calculation would be performed. The recoverable amount of a CGU is the higher of its fair value less costs to sell and value in use. In determining fair value less costs to sell, we employ a discounted cash flow model consistent with those we use when we acquire a business. This model is dependent on assumptions related to revenue growth, discount rates, synergies achieved on acquisition and the availability of comparable acquisition data. Changes in any of these assumptions would affect the determination of fair value for each CGU in a different manner. We exercise judgment and make assumptions in determining fair value less costs to sell, and differences in judgment and assumptions could affect the determination of fair value and any resulting impairment write-down. Intangible assets with a definite life are amortized to income on either a straight-line or an accelerated basis over a period not exceeding 15 Additional information regarding goodwill and intangible assets is included in Note 11. Insurance Contract Liabilities Insurance contract liabilities represent estimates of fulfilment cash flows, which include a risk adjustment, and the contractual service margin (CSM). Fulfilment cash flows include estimates of future cash flows related to the remaining coverage period and for previously incurred claims, which are then discounted and probability-weighted. This is based on non-financial non-financial Additional information regarding insurance contract liabilities is included in Note 15. Provisions A provision, including those for legal proceedings and restructuring charges, is recognized if, as a result of a past event, the bank has a present legal or constructive obligation that can be estimated reliably, and it is probable that an outflow of economic benefits will be required to settle the obligation. A provision is recorded at the best estimate of the amount required to settle an obligation as at the balance sheet date, taking into consideration the risks and uncertainties associated with the obligation. Management and external experts are involved in estimating any provision, as necessary. The actual costs of settling some obligations may be substantially higher or lower than the amount of the provisions. Additional information regarding provisions is included in Note 25. Transfers of Financial Assets We enter into transactions in which we transfer financial assets, typically loans or mortgage-backed securities, to a structured entity or third party to obtain alternate sources of funding or as part of our trading activities. We assess whether substantially all of the risks and rewards of, or control over, the assets have been transferred in order to determine whether they qualify for derecognition. Where we continue to be exposed to substantially all of the prepayment, interest rate and/or credit risk associated with the securitized assets, they do not qualify for derecognition. We continue to recognize the assets and the related cash proceeds as secured financing in our Consolidated Balance Sheet. Additional information regarding transferred financial assets is included in Note 6. Consolidation of Structured Entities The securitization vehicles we sponsor typically have limited decision-making authority. The structure of these vehicles limits the activities they can undertake, the types of assets they can hold and the funding of their activities. We control and consolidate these vehicles when we have the key decision-making powers necessary to obtain the majority of the benefits from their activities. For certain investments in limited partnerships, we exercise judgment in determining whether we control an entity. Based on an assessment of our interests and rights, we have determined that we do not control certain entities, even though we may have an ownership interest greater than 50%. This may be the case when we are not the general partner in an arrangement and the general partner’s rights most significantly affect the returns of the entity. Additionally, we have determined that we control certain entities despite having an ownership interest of less than 50%. This may be the case when we are the general partner in an arrangement and the general partner’s rights most significantly affect the returns of the entity. Additional information regarding SEs is included in Notes 7 and 21. Acquisition of Bank of the West – Valuation of Assets and Liabilities Significant judgments and assumptions were used in determining the fair value of the Bank of the West assets acquired and liabilities assumed, including the loan portfolio, core-deposit and other relationship intangible assets and fixed maturity deposits. For loans, the determination of fair value involved estimating the cash flows that are expected to be received on all purchased loans and discounting these back to their present value. We estimated expected cash flows based on models that incorporate management’s best estimate of current key assumptions such as default rates, loss severity, timing of prepayments and collateral. In determining the discount rate, we considered various factors, including our cost to raise funds in the current market, the risk premium associated with the loans and the cost to service the portfolios. For core-deposit intangible assets, fair value was determined using a discounted cash flow approach, comparing the present value of the cost to maintain the acquired deposits to the cost of alternative funding. The present value of the cost to maintain the acquired deposits includes an estimate of future interest costs and operating expenses for the core deposits acquired. Core deposits are those that we considered to be stable, below-market sources of funding. Deposit run-off We calculated the fair value of wealth management and credit card customer relationships acquired based on the excess of estimated future cash inflows (i.e. revenue from the acquired relationships) over the related estimated cash outflows (i.e. operating costs and contributory asset charges) over the estimated life of the customer base. The determination of the fair value of fixed maturity deposits involved estimating the cash flows to be paid and discounting these back to their present value. The timing and amount of cash flows included significant management judgment regarding the likelihood of early redemption and the timing of withdrawals by customers. Discount rates were based on the prevailing rates we were paying on similar deposits at the date of acquisition. The fair value of all other assets and liabilities, including real estate properties, was calculated using market data where possible, as well as management judgment, to determine the price that would be obtained in an arms-length transaction between knowledgeable, willing parties. Additional information regarding our accounting for the acquisition is included in Notes 4 and 10. Changes in IFRS and Accounting Policies IFRS 17 Insurance Contracts Effective November 1, 2023, we adopted IFRS 17 Insurance Contracts Insurance Contracts IFRS 17 fundamentally changes the accounting for insurance contracts, with two key changes for the bank that impact the timing of income recognition: Firstly, IFRS 17 requires us to group insurance contracts, where contracts have similar risks, were written in the same fiscal year and have similar expected profitability. IFRS 4 had no similar grouping requirement. We then measure these groups of contracts based on our estimates of the present value of future cash flows that are expected to arise as we fulfill the contracts, plus an explicit risk adjustment for insurance-specific risk. To the extent that discounted future cash inflows exceed discounted, risk-adjusted future cash outflows, a CSM is recorded, representing unearned profits that will be recognized over the duration of the insurance contracts. If a group of insurance contracts is expected to experience losses, these losses are recorded in income immediately in non-interest Under IFRS 4, gains or losses on new contracts were recognized in income immediately. The second key difference under IFRS 17 compared to IFRS 4 is the rate used to discount our insurance contract liabilities. Under IFRS 17, the discount rate comprises a risk-free rate and an illiquidity premium that reflects the characteristics of these liabilities. Under IFRS 4, the discount rate was connected to the yield of the assets held to support insurance contract liabilities. We have elected the accounting policy choice under IFRS 17 to recognize the impact of changes in the discount rate and financial assumptions on insurance contract liabilities in our Consolidated Statement of Income in non-interest On transition, we were required to apply a full retrospective approach, where we restated prior periods as if we had always applied IFRS 17, unless impracticable, in which case we were to apply either the modified retrospective approach, where we applied specific modifications to the full retrospective approach, or the fair value approach, where we determined the fair value of the CSM as the difference between the fair value of a group of contracts, including certain fair value assumptions from a market participant perspective, and our fulfilment cash flows at the date of transition. We applied the full retrospective approach to our creditor business and the fair value approach to all other products written prior to November 1, 2022. The impact of adopting IFRS 17 as at November 1, 2022 was an increase in assets of after-tax. IAS 40 Investment Property On transition to IFRS 17, we voluntarily changed our accounting policy for the measurement of investment properties, included in insurance-related assets in other assets in our Consolidated Balance Sheet, from cost to fair value. This better aligns our returns on investment properties with gains and losses from our insurance business. IAS 40 Investment Property after-tax Transition Impacts The following table shows the impact of these combined changes at November 1, 2022: (Canadian $ in millions) November 1, 2022 IFRS 17 impacts IAS 40 accounting November 1, 2022 Assets Other Assets Deferred tax assets $ 1,175 $ 418 $ (51 ) $ 1,542 Other Insurance-related assets 2,575 657 183 3,415 Total Assets $ 3,750 $ 1,075 $            132   $ 4,957 Liabilities Other Liabilities Insurance-related liabilities $ 11,201 $ 2,181 $ – $ 13,382 Other Deferred tax liabilities 102 – – 102 Total Liabilities $          11,303 $           2,181 $ – $          13,484 The impact of these changes on our Common Equity Tier 1 (CET1) Ratio was not material. IFRS 9 Financial Instruments Effective November 1, 2023, we voluntarily changed our accounting policy to account for regular way contracts to buy or sell financial assets on trade date, instead of on settlement date. This change was applied retrospectively, as is required for changes in accounting policy, as if we had always recorded securities transactions on trade date. Regular way contracts are those that will be settled within a timeframe established by market convention or regulation. The change resulted in an increase in both assets and liabilities of $ 52.5 billion as at October 31, 2023. IAS 12 Income Taxes Effective November 1, 2023, we adopted an amendment to IAS 12 Income Taxes Future Changes in IFRS and Accounting Policies IFRS 9 Financial Instruments In May 2024, the IASB issued amendments to IFRS 9 which introduce additional guidance in two areas. The first relates to financial assets with contingent features and when these features can be considered consistent with a basic lending arrangement, in which case the instrument can be measured at amortized cost. The second relates to the timing of derecognition of financial liabilities when payment takes place through an electronic payment system and certain conditions are met. These amendments will be effective for our fiscal year beginning November 1, 2026 and we are currently assessing their impact on our consolidated financial statements. IAS 12 Income Taxes In May 2023, the IASB issued an amendment to IAS 12. The amendment addresses concerns around accounting for the global minimum top-up two-pillar Co-operation top-up top-up o f IFRS 18 Presentation and Disclosure in Financial Statements In April 2024, the IASB issued IFRS 18 Presentation and Disclosure in Financial Statements Presentation of Financial Statements

Cash and Interest Bearing Depos

Cash and Interest Bearing Deposits with Banks	12 Months Ended
	Oct. 31, 2024
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Cash and Interest Bearing Deposits with Banks	Note 2: Cash and Interest Bearing Deposits with Banks Cash and Cash Equivalents (Canadian $ in millions) 2024 2023 Cash and deposits with banks (1) $ 62,823 $ 75,528 Cheques and other items in transit, net 2,275 2,406 Total cash and cash equivalents $     65,098 $     77,934 (1) Includes deposits with the Bank of Canada, the U.S. Federal Reserve and other central banks. Cheques and Other Items in Transit, Net Cheques and other items in transit are recorded at cost and represent the net position of the uncleared cheques and other items in transit between us and other banks. Cash Restrictions We are required to maintain reserves or minimum balances with certain central banks, regulatory bodies and counterparties totalling $ 80 million as at October 31, 2024 ($125 million as at October 31, 2023). Interest Bearing Deposits with Banks Deposits with banks are recorded at amortized cost and include acceptances we have purchased that were issued by other banks. Interest income earned on these deposits is recorded on an accrual basis.

Securities

Securities	12 Months Ended
	Oct. 31, 2024
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Securities	Note 3: Securities Securities are divided into five types, each with a different purpose and accounting treatment. The types of securities we hold are as follows: Trading securities Fair value through profit or loss securities Securities Designated at FVTPL In order to qualify for this designation, the security must have a reliably measurable fair value, and the designation eliminates or significantly reduces the inconsistent treatment that would otherwise arise from measuring the gains and losses on a different basis. Securities must be designated on initial recognition, and the designation is irrevocable. If these securities were not designated at FVTPL, they would be accounted for at either FVOCI or amortized cost. We designate certain securities held by our insurance subsidiaries that support our insurance and investment contract liabilities at FVTPL, since the changes in financial variables used to calculate insurance and investment contract liabilities are recorded through our Consolidated Statement of Income in each period. This designation aligns the accounting result with the way the portfolio is managed in order to reduce an accounting mismatch with respect to unrealized gains and losses, as the change in fair value of the securities, investment contract liabilities designated at fair value and the impact of the change in discount rates and financial assumptions on insurance contract liabilities are all recorded through the Consolidated Statement of Income in non-interest revenue, insurance investment results. These securities had a fair value of million as at October 31, 2023). The maximum exposure to credit risk from securities designated at FVTPL is the carrying value of these securities. Securities Mandatorily Measured at FVTPL Securities managed on a fair value basis, but not held for trading, or debt securities with cash flows that do not represent solely payments of principal and interest, and equity securities not held for trading or designated at FVOCI, are classified as FVTPL. The fair value of these investments of $6,850 million as at October 31, 2024 ($6,730 million as at October 31, 2023) is recorded in securities in our Consolidated Balance Sheet. Investments in Low Income Housing Tax Credit (LIHTC) entities are included in this balance as they are classified as FVTPL, with both changes in fair value of the investments and the benefit of tax credits received recorded in non-interest Debt securities at FVOCI Debt securities measured at FVOCI are initially recorded at fair value plus transaction costs. They are subsequently measured at fair value, with unrealized gains and losses recorded in our Consolidated Statement of Comprehensive Income until the security is sold or impaired. Gains and losses on disposal and impairment losses (recoveries) are recorded in our Consolidated Statement of Income in non-interest Equity securities at FVOCI Debt securities at amortized cost non-interest We account for all of our securities transactions using trade date accounting in our Consolidated Balance Sheet. Impairment Review Debt securities at amortized cost or FVOCI are assessed for impairment using the ECL model, with the exception of those determined to have low credit risk, where the ACL is measured at an amount equal to 12-month Debt securities at amortized cost totalling $115,188 million as at October 31, 2024 ($116,814 million as at October 31, 2023) are net of allowances for credit losses of $3 million as at October 31, 2024 ($3 million as at October 31, 2023). Debt securities at FVOCI totalling $93,702 million as at October 31, 2024 ($62,819 million as at October 31, 2023) are net of allowances for credit losses of $4 million as at October 31, 2024 ($3 million as at October 31, 2023). Fair Value Measurement For traded securities, quoted market value is considered to be fair value. Quoted market value is based on bid or ask prices, depending on which is the most appropriate to measure fair value. Where market quotes are not available, we use estimation techniques to determine fair value. Additional information regarding fair value measurement techniques is included in Note 18. Remaining Term to Maturity of Securities The following table shows the remaining terms to maturity of securities: (Canadian $ in millions, except as noted) Term to maturity 2024 2023 Within 1 1 to 3 years 3 to 5 years 5 to 10 Over 10 No maturity Total Total Trading Securities Issued or guaranteed by: Canadian federal government $ 620 $ 1,353 $ 1,933 $ 1,664 $ 4,466 $ – $ 10,036 $ 11,370 Canadian provincial and municipal governments 1,983 460 760 944 3,438 – 7,585 7,170 U.S. federal government 896 8,123 1,933 5,709 7,587 – 24,248 20,132 U.S. states, municipalities and agencies 4 52 35 269 205 – 565 279 Other governments 719 1,206 1,185 569 170 – 3,849 2,540 NHA MBS, U.S. agency MBS and CMO (1) 427 451 898 1,089 38,130 – 40,995 21,517 Corporate debt 1,590 3,283 4,234 3,936 2,147 – 15,190 11,933 Trading loans – 66 195 214 – – 475 450 Corporate equity – – – – – 65,983 65,983 48,327 Total trading securities 6,239 14,994 11,173 14,394 56,143 65,983 168,926 123,718 FVTPL Securities Issued or guaranteed by: Canadian federal government 276 7 – 11 109 – 403 216 Canadian provincial and municipal governments 2 10 34 113 1,419 – 1,578 1,166 U.S. federal government 5 – – – 1,522 – 1,527 2,088 Other governments 25 – – – – – 25 48 NHA MBS, U.S. agency MBS and CMO (1) – – 13 8 – – 21 19 Corporate debt 143 270 355 1,012 7,000 – 8,780 7,362 Corporate equity – – – – – 6,730 6,730 5,834 Total FVTPL securities 451 287 402 1,144 10,050 6,730 19,064 16,733 FVOCI Securities Issued or guaranteed by: Canadian federal government Amortized cost 12,552 5,951 10,703 4,686 – – 33,892 20,579 Fair value 12,571 5,975 10,861 4,770 – – 34,177 20,100 Yield (%) 3.48 2.95 3.55 2.93 – – 3.33 3.05 Canadian provincial and municipal governments Amortized cost 665 496 2,265 2,496 17 – 5,939 5,281 Fair value 666 496 2,286 2,533 15 – 5,996 5,055 Yield (%) 3.29 3.08 4.01 3.45 4.19 – 3.61 3.23 U.S. federal government Amortized cost 1,423 1,750 4,344 9,516 – – 17,033 6,245 Fair value 1,422 1,743 4,283 9,517 – – 16,965 5,880 Yield (%) 4.00 4.00 3.83 4.19 – – 4.06 3.77 U.S. states, municipalities and agencies Amortized cost 423 652 714 2,789 547 – 5,125 5,486 Fair value 420 640 702 2,766 540 – 5,068 5,301 Yield (%) 2.22 2.56 3.36 4.59 5.32 – 4.04 4.22 Other governments Amortized cost 3,912 616 1,115 – – – 5,643 7,064 Fair value 3,918 614 1,124 – – – 5,656 6,969 Yield (%) 2.87 3.42 4.00 – – – 3.15 3.11 NHA MBS, U.S. agency MBS and CMO (1) Amortized cost 58 1,381 7,390 4,396 8,345 – 21,570 16,421 Fair value 58 1,373 7,360 4,356 8,146 – 21,293 15,765 Yield (%) 0.85 2.79 4.44 3.66 3.81 – 3.92 4.76 Corporate debt Amortized cost 1,748 581 492 1,473 97 – 4,391 3,676 Fair value 1,733 579 497 1,470 91 – 4,370 3,589 Yield (%) 2.35 4.24 3.45 2.00 5.32 – 2.67 5.43 Corporate equity Cost – – – – – 135 135 129 Fair value – – – – – 177 177 160 Total cost or amortized cost 20,781 11,427 27,023 25,356 9,006 135 93,728 64,881 Total fair value 20,788 11,420 27,113 25,412 8,792 177 93,702 62,819 Yield (%) 3.27 3.16 3.89 3.71 3.92 – 3.61 3.80 Amortized Cost Securities Issued or guaranteed by: Canadian federal government Amortized cost 1,056 1,276 97 36 – – 2,465 4,908 Fair value 1,014 1,259 96 34 – – 2,403 4,905 Yield (%) 1.79 1.72 2.71 2.83 – – 1.81 1.83 Canadian provincial and municipal governments Amortized cost 1,699 1,523 952 314 – – 4,488 4,613 Fair value 1,621 1,392 890 313 – – 4,216 4,605 Yield (%) 1.90 2.52 2.73 3.20 – – 2.38 2.26 U.S. federal government Amortized cost 13,237 15,145 14,670 8,587 3,782 – 55,421 56,878 Fair value 13,023 14,521 13,444 7,421 2,910 – 51,319 51,063 Yield (%) 1.40 1.30 1.58 1.56 2.04 – 1.49 1.50 U.S. states, municipalities and agencies Amortized cost – – – 182 – – 182 190 Fair value – – – 180 – – 180 179 Yield (%) – – – 4.65 – – 4.65 4.66 Other governments Amortized cost 289 378 14 – – – 681 948 Fair value 283 378 14 – – – 675 779 Yield (%) 0.91 2.51 0.86 – – – 1.80 1.82 NHA MBS, U.S. agency MBS and CMO (1) Amortized cost 971 3,280 2,179 1,502 34,841 – 42,773 47,590 Fair value 934 3,148 2,072 1,348 31,117 – 38,619 41,134 Yield (%) 1.13 1.64 2.08 1.99 2.77 – 2.58 2.61 Corporate debt Amortized cost 335 1,034 102 42 7,665 – 9,178 1,687 Fair value 331 972 105 40 7,601 – 9,049 1,506 Yield (%) 1.55 2.49 2.68 1.02 5.03 – 4.57 1.80 Total carrying value 17,587 22,636 18,014 10,663 46,288 – 115,188 116,814 Total fair value 17,206 21,670 16,621 9,336 41,628 – 106,461 104,171 Yield (%) 1.45 1.53 1.72 1.72 3.09 – 2.19 2.01 Total carrying value of securities 45,065 49,337 56,702 51,613 121,273 72,890 396,880 320,084 Total by Currency Canadian dollar 21,661 14,764 17,213 12,539 17,759 27,434 111,370 98,301 U.S. dollar 19,843 34,105 38,834 38,760 103,301 43,715 278,558 215,990 Other currencies 3,561 468 655 314 213 1,741 6,952 5,793 Total securities $   45,065 $   49,337 $   56,702 $   51,613 $   121,273 $   72,890 $   396,880 $   320,084 (1) These amounts are either supported by insured mortgages or issued by U.S. agencies and government-sponsored enterprises. NHA refers to the National Housing Act, MBS refers to mortgage-backed securities and CMO refers to collateralized mortgage obligations. (2) The carrying values of securities that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts. Yields in the table above are calculated using the cost of the security and the contractual interest rate associated with each security, adjusted for any amortization of premiums and discounts. Tax effects are not taken into consideration. The terms to maturity included in the table above are based on the contractual maturity dates of the securities. Actual maturities could differ, as issuers may have the right to call or prepay obligations. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Unrealized Gains and Losses on FVOCI Securities The following table summarizes unrealized gains and losses on FVOCI securities: (Canadian $ in millions) 2024 2023 Cost or Gross Gross Fair value Cost or Gross Gross Fair value Issued or guaranteed by: Canadian federal government $ 33,892 $ 303 $ (18 ) $ 34,177 $ 20,579 $ 14 $ (493 ) $ 20,100 Canadian provincial and municipal governments 5,939 82 (25 ) 5,996 5,281 2 (228 ) 5,055 U.S. federal government 17,033 100 (168 ) 16,965 6,245 – (365 ) 5,880 U.S. states, municipalities and agencies 5,125 24 (81 ) 5,068 5,486 5 (190 ) 5,301 Other governments 5,643 20 (7 ) 5,656 7,064 13 (108 ) 6,969 NHA MBS, U.S. agency MBS and CMO 21,570 58 (335 ) 21,293 16,421 12 (668 ) 15,765 Corporate debt 4,391 31 (52 ) 4,370 3,676 3 (90 ) 3,589 Corporate equity 135 42 – 177 129 31 – 160 Total $   93,728 $   660 $   (686 ) $   93,702 $   64,881 $       80 $   (2,142 ) $   62,819 Unrealized gains (losses) may be offset by related (losses) gains on hedge contracts. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Interest, Dividend and Fee Income Interest, dividend and fee income has been included in our Consolidated Statement of Income as follows. Related income for trading securities is included under trading-related revenue in Note 18. (Canadian $ in millions) 2024 2023 FVTPL securities $ 161 $ 66 FVOCI securities 3,874 2,517 Amortized cost securities 3,952 3,510 Total $   7,987   $    6,093 Non-Interest Net gains and losses from securities, excluding gains and losses on trading securities, have been included in our Consolidated Statement of Income as follows: (Canadian $ in millions) 2024 2023 FVTPL securities $      87 $ 144 FVOCI securities – realized gains (1) 114 36 Impairment on FVOCI and amortized cost securities (1 ) – Securities gains, other than trading $ 200   $      180 (1) Gains are net of (losses) on hedge contracts. Gains and losses on trading securities are included under trading-related revenue in Note 18. Interest and dividend income and gains on se curi non-interest (Canadian $ in millions) 2024 2023 Interest and dividend income $     515 $ 454 Gains (losses) from securities designated at FVTPL (1) 1,270 (282 ) Realized gains from FVOCI securities 1 – Total interest and dividend income and gains held in our Insurance business $ 1,786   $      172 (1) Gains (losses) on these securities may be offset by certain (losses) gains from changes in insurance-related liabilities, as described above under Securities Designated at FVTPL.

Loans and Allowance for Credit

Loans and Allowance for Credit Losses	12 Months Ended
	Oct. 31, 2024
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Loans and Allowance for Credit Losses	Note 4: Loans and Allowance for Credit Losses Loans Loans are initially measured at fair value plus directly attributable costs, and are subsequently measured at amortized cost using the effective interest method, where the objective of the business model is to collect contractual cash flows and the cash flows of those loans represent solely payments of principal and interest; otherwise, the loans are measured at FVTPL. Where the loans are held with the objective of both collecting contractual cash flows and selling the loans, and the cash flows represent solely payments of principal and interest, the loans are measured at FVOCI. The effective interest method allocates interest income over the expected term of the loan by applying the effective interest rate to the carrying amount of the loan. The effective interest rate is defined as the rate that discounts estimated future cash flows through the expected term of the loan to the gross carrying amount of the loan. Under the effective interest method, the amount recognized in interest, dividend and fee income, loans, varies over the term of the loan based on the principal outstanding. The treatment of interest income for impaired loans is described below. Securities Borrowed or Purchased Under Resale Agreements Securities borrowed or purchased under resale agreements represent the amounts we will receive as a result of our commitment to return or resell securities that we have borrowed or purchased, back to the original lender or seller, on a specified date at a specified price. We account for these instruments as if they were loans. Lending Fees Lending fees primarily arise in P&C and BMO CM. The accounting treatment for lending fees varies depending on the transaction. Certain loan origination, restructuring and renegotiation fees are recorded as interest income over the term of the loan, while other lending fees are taken into income at the time of loan origination. Commitment fees are calculated as a percentage of the facility balance at the end of each period. The fees are recorded as interest income over the term of the loan, unless we believe the loan commitment will not be used. In the latter case, commitment fees are recorded as lending fees earned over the commitment period. Loan syndication fees are payable and included in lending fees at the time the syndication is completed. Impaired Loans We classify a loan as impaired (Stage 3) when one or more loss events have occurred, such as bankruptcy or payment default, or when collection of the full amount of principal and interest is no longer reasonably assured. Loans are in default when the borrower is unlikely to pay its credit obligations in full without recourse by the bank, such as realizing security, or when the borrower’s payments are more than a defined number of days past due. Generally, consumer loans in both Canada and the United States are classified as impaired when payment is contractually 90 days past due, or one year past due for residential mortgages if guaranteed by the Government of Canada. Credit card loans are immediately written off when principal or interest payments are 180 days past due, and are not reported as impaired. In Canada, consumer instalment loans, other personal loans and some small business loans are normally written off when payment is one year past due. In the United States, consumer loans are generally written off when payment is 180 days past due, except for non-real Corporate and commercial loans are classified as impaired when we determine there is no longer reasonable assurance that principal or interest will be collected in their entirety on a timely basis. Generally, we consider corporate and commercial loans to be impaired when payments are 90 days past due. Corporate and commercial loans are written off following a review on an individual loan basis that confirms all reasonable recovery attempts have been exhausted. Overdrafts are considered to be past due once the customer has breached an advised limit or has been advised of a limit lower than currently outstanding or, in the case of retail overdrafts, has not brought the overdraft down to a $nil balance within a specified time period. A loan will be reclassified to performing status when we determine that there is reasonable assurance of full and timely repayment of interest and principal in accordance with the terms and conditions of the loan, and that none of the criteria for classification of the loan as impaired continues to apply. Once a loan has been identified as impaired, we continue to recognize interest income based on the original effective interest rate on the loan amount net of its related allowance. In the periods following the recognition of impairment, adjustments to the allowance for these loans to reflect the time value of money are recognized as interest income. Interest income on impaired loans of $ 306 million was recognized for the year ended October 31, 2024 ($161 million in 2023). Allowance for Credit Losses The ACL recorded in our Consolidated Balance Sheet is maintained at a level that we consider adequate to absorb credit-related losses on our loans and other credit instruments. The ACL amounted to $4,936 million as at October 31, 2024 ($4,267 million as at October 31, 2023), of which $4,356 million ($3,807 million as at Significant changes in the gross balances, including originations, maturities, sales, write-offs and repayments in the normal course of operations, impact the ACL. In addition, ECL on the purchased performing loans we acquired in the Bank of the West acquisition was recorded on the acquisition date, consistent with the process we follow for loans that we originate. An initial provision for credit losses (PCL) of $705 million was recorded in our Consolidated Statement of Income on the date of the acquisition. Allowance on Performing Loans We maintain an allowance in order to cover impairment in the existing portfolio for loans that have not yet been individually identified as impaired. Our approach to establishing and maintaining the allowance on performing loans is based on the requirements of IFRS 9, considering guidelines issued by OSFI. Under the IFRS 9 ECL methodology, an allowance is recorded for ECL on financial assets regardless of whether there has been an actual impairment. We recognize an ACL at an amount generally equal to 12-month The determination of a significant increase in credit risk takes into account many different factors and varies by product and risk segment. Our methodology for determining a significant increase in credit risk is based on the change in PD between origination and reporting date, assessed using probability-weighted scenarios, as well as certain other criteria, such as 30-day For each exposure, ECL is a function of PD, exposure at default (EAD) and loss given default (LGD), with the timing of the expected loss also considered, and is estimated by incorporating forward-looking economic information and using experienced credit judgment to reflect factors not captured in ECL models. PD represents the likelihood that a loan will not be repaid and will go into default in either a 12-month EAD is modelled based on historical data and represents an estimate of the amount of credit exposure outstanding at the time a default may occur. For off-balance LGD is the amount that may not be recovered in the event of default and is modelled based on historical data and reasonable and supportable information about future economic conditions, where appropriate. LGD takes into consideration the amount and quality of any collateral held. We consider past events, current market conditions and reasonable and supportable forward-looking information about future economic conditions in determining the amount of expected losses. In assessing information about possible future economic conditions, we utilize multiple economic scenarios, including our base case scenario, which in our view represents the most probable outcome, as well as upside, downside and severe downside scenarios, all of which are developed by our Economics group. Key economic variables used in the determination of the ACL reflect the geographic diversity of our portfolios, where appropriate. In considering the lifetime of a loan, the contractual period of the loan, including prepayment, extension and other options, is generally used. For revolving instruments, such as credit cards, which may not have a defined contractual period, the lifetime is based on historical behaviour. Our ECL methodology also requires the use of experienced credit judgment to incorporate the estimated impact of factors that are not captured in the modelled ECL results. We applied experienced credit judgment to reflect the continuing impact of the uncertain environment on credit conditions and the economy. Allowance on Impaired Loans We review our loans on an ongoing basis to assess whether any loans should be classified as impaired and whether an allowance or write-off Individually Significant Impaired Loans To determine the amount we expect to recover from an individually significant impaired loan, we use the value of the estimated future cash flows discounted at the loan’s original effective interest rate. The determination of estimated future cash flows of a collateralized impaired loan reflects our best estimate of the realization of the underlying security, net of expected costs and any amounts legally required to be paid to the borrower. This estimate may change over time as new information becomes available or as work-out strategies evolve, resulting in revisions to the allowance. Security can vary by type of loan and may include cash, securities, real estate properties, accounts receivable, guarantees, inventory or other capital assets. Individually Insignificant Impaired Loans Residential mortgages, consumer instalment loans, other personal loans and some small business loans are individually insignificant and may be assessed individually or collectively for losses at the time of impairment, taking into account historical loss experience and expectations of future economic conditions. Collectively assessed loans are grouped together by similar risk characteristics, such as type of instrument, geographic location, industry, type of collateral and term to maturity. The following table shows the continuity in the loss allowance, by product type, for the years ended October 31, 2024 and 2023. Transfers represent the amount of ECL that moved between stages during the year; for example, from a 12-month (Canadian $ in millions) 2024 2023   Stage 1   Stage 2   Stage 3      Total   Stage 1   Stage 2   Stage 3 (1)    Total Loans: Residential mortgages                                          Balance as at beginning of year $ 73 $ 151 $ 10 $ 234 $ 59 $ 67 $ 16 $ 142 Transfer to Stage 1 132 (130 ) (2 ) – 92 (92 ) – – Transfer to Stage 2 (26 ) 42 (16 ) – (18 ) 27 (9 ) – Transfer to Stage 3 (1 ) (29 ) 30 – (1 ) (12 ) 13 – Net remeasurement of loss allowance (142 ) 170 36 64 (94 ) 106 15 27 Loan originations 24 – – 24 26 – – 26 Loan purchases – – – – 31 – – 31 Derecognitions and maturities (3 ) (13 ) – (16 ) (4 ) (9 ) – (13 ) Model changes (1 ) (5 ) – (6 ) (19 ) 63 – 44 Total PCL (2) (17 ) 35 48 66 13 83 19 115 Write-offs (3) – – (5 ) (5 ) – – (10 ) (10 ) Recoveries of previous write-offs – – 7 7 – – 7 7 Foreign exchange and other – – (41 ) (41 ) 1 1 (22 ) (20 ) Balance as at end of year $ 56 $ 186 $ 19 $ 261 $ 73 $ 151 $ 10 $ 234 Loans: Consumer instalment and other personal Balance as at beginning of year $ 220 $ 434 $ 152 $ 806 $ 111 $ 304 $ 102 $ 517 Transfer to Stage 1 301 (283 ) (18 ) – 265 (254 ) (11 ) – Transfer to Stage 2 (44 ) 91 (47 ) – (52 ) 93 (41 ) – Transfer to Stage 3 (7 ) (133 ) 140 – (18 ) (104 ) 122 – Net remeasurement of loss allowance (237 ) 355 437 555 (264 ) 438 309 483 Loan originations 54 – – 54 58 6 – 64 Loan purchases – – – – 179 – – 179 Derecognitions and maturities (16 ) (38 ) (12 ) (66 ) (34 ) (43 ) – (77 ) Model changes 15 46 – 61 (26 ) (8 ) – (34 ) Total PCL (2) 66 38 500 604 108 128 379 615 Write-offs (3) – – (623 ) (623 ) – – (371 ) (371 ) Recoveries of previous write-offs – – 195 195 – – 74 74 Foreign exchange and other (89 ) (1 ) (49 ) (139 ) 1 2 (32 ) (29 ) Balance as at end of year $ 197 $ 471 $ 175 $ 843 $ 220 $ 434 $ 152 $ 806 Loans: Credit cards Balance as at beginning of year $ 188 $ 308 $ – $ 496 $ 115 $ 250 $ – $ 365 Transfer to Stage 1 226 (226 ) – – 172 (172 ) – – Transfer to Stage 2 (64 ) 64 – – (45 ) 45 – – Transfer to Stage 3 (6 ) (290 ) 296 – (3 ) (147 ) 150 – Net remeasurement of loss allowance (182 ) 633 308 759 (146 ) 366 216 436 Loan originations 76 – – 76 77 1 – 78 Loan purchases – – – – 25 – – 25 Derecognitions and maturities (8 ) (27 ) – (35 ) (7 ) (36 ) – (43 ) Model changes 4 9 – 13 – – – – Total PCL (2) 46 163 604 813 73 57 366 496 Write-offs (3) – – (720 ) (720 ) – – (436 ) (436 ) Recoveries of previous write-offs – – 171 171 – – 103 103 Foreign exchange and other (1 ) 1 (55 ) (55 ) – 1 (33 ) (32 ) Balance as at end of year $ 233 $ 472 $ – $ 705 $ 188 $ 308 $ – $ 496 Loans: Business and government Balance as at beginning of year $ 1,043 $ 1,155 $ 533 $ 2,731 $ 746 $ 789 $ 439 $ 1,974 Transfer to Stage 1 601 (575 ) (26 ) – 306 (291 ) (15 ) – Transfer to Stage 2 (278 ) 394 (116 ) – (173 ) 236 (63 ) – Transfer to Stage 3 (9 ) (310 ) 319 – (25 ) (161 ) 186 – Net remeasurement of loss allowance (599 ) 1,189 1,748 2,338 (446 ) 735 308 597 Loan originations 278 8 – 286 276 4 – 280 Loan purchases – – – – 470 – – 470 Derecognitions and maturities (147 ) (308 ) (11 ) (466 ) (126 ) (193 ) – (319 ) Model changes 53 57 – 110 (17 ) (51 ) – (68 ) Total PCL (2) (101 ) 455 1,914 2,268 265 279 416 960 Write-offs (3) – – (1,802 ) (1,802 ) – – (372 ) (372 ) Recoveries of previous write-offs – – 194 194 – – 81 81 Foreign exchange and other (50 ) 88 (302 ) (264 ) 32 87 (31 ) 88 Balance as at end of year $ 892 $ 1,698 $ 537 $ 3,127 $ 1,043 $ 1,155 $ 533 $ 2,731 Total as at end of year $ 1,378 $ 2,827 $ 731 $ 4,936 $ 1,524 $ 2,048 $ 695 $ 4,267 Comprising: Loans $ 1,143 $ 2,560 $ 653 $ 4,356 $ 1,264 $ 1,859 $ 684 $ 3,807        Other credit instruments (4) 235 267 78 580 260 189 11 460 (1) Includes changes in allowance for purchased credit impaired (PCI) loans. (2) Excludes PCL on other assets of $10 million for the year ended October 31, 2024 ($(8) million for the year ended October 31, 2023). (3) Generally, we continue to seek recovery on amounts that were written off during the year, unless the loan is sold, we no longer have the right to collect or we have exhausted all reasonable efforts to collect. (4) Other credit instruments, including off-balance Credit Risk Exposure The following table sets out our credit risk exposure for all loans carried at amortized cost, FVOCI or FVTPL as at October 31, 2024 and 2023. Stage 1 represents performing loans carried with up to a 12 -month (Canadian $ in millions) 2024 2023    Stage 1    Stage 2 Stage 3    Total   Stage 1 (1)   Stage 2 Stage 3   Total Loans: Residential mortgages                                         Exceptionally low $ 1 $ – $ – $ 1 $ 2 $ – $ – $ 2 Very low 86,730 5,631 – 92,361 85,423 171 – 85,594 Low 52,111 15,080 – 67,191 51,366 10,820 – 62,186 Medium 7,402 5,329 – 12,731 5,289 5,434 – 10,723 High 268 2,622 – 2,890 282 2,015 – 2,297 Not rated (4) 14,207 1,042 – 15,249 15,906 118 – 16,024 Impaired – – 657 657 – – 424 424 Gross residential mortgages 160,719 29,704 657 191,080 158,268 18,558 424   177,250 ACL 56 185 10 251 73 146 5 224 Carrying amount 160,663 29,519 647 190,829 158,195 18,412 419 177,026 Loans: Consumer instalment and other personal Exceptionally low 9,162 145 – 9,307 1,547 4 – 1,551 Very low 20,466 903 – 21,369 37,924 180 – 38,104 Low 26,125 4,575 – 30,700 21,406 1,052 – 22,458 Medium 7,405 5,526 – 12,931 7,971 5,686 – 13,657 High 789 2,017 – 2,806 759 2,127 – 2,886 Not rated (4) 14,522 475 – 14,997 24,426 411 – 24,837 Impaired – – 577 577 – – 549 549 Gross consumer instalment and other personal 78,469 13,641 577 92,687 94,033 9,460 549 104,042 ACL 183 447 168 798 208 415 152 775 Carrying amount 78,286 13,194 409 91,889 93,825 9,045 397 103,267 Loans: Credit cards (5) Exceptionally low 1,660 – – 1,660 1,605 – – 1,605 Very low 2,166 1 – 2,167 1,946 1 – 1,947 Low 2,110 60 – 2,170 1,884 70 – 1,954 Medium 4,544 824 – 5,368 3,860 890 – 4,750 High 746 922 – 1,668 533 763 – 1,296 Not rated (4) 430 149 – 579 651 91 – 742 Impaired – – – – – – – – Gross credit cards 11,656 1,956 – 13,612 10,479 1,815 – 12,294 ACL 161 421 – 582 134 267 – 401 Carrying amount 11,495 1,535 – 13,030 10,345 1,548 – 11,893 Loans: Business and government (6) Acceptable Investment grade 191,742 3,437 – 195,179 202,731 3,886 – 206,617 Sub-investment 147,713 15,078 – 162,791 126,535 26,260 – 152,795 Watchlist 238 22,535 – 22,773 1,078 11,520 – 12,598 Impaired – – 4,609 4,609 – – 2,987 2,987 Gross business and government 339,693 41,050 4,609 385,352 330,344 41,666 2,987 374,997 ACL 743 1,507 475 2,725 849 1,031 527 2,407 Carrying amount 338,950 39,543 4,134 382,627 329,495 40,635 2,460 372,590 Total gross loans and acceptances 590,537 86,351 5,843 682,731 593,124 71,499 3,960 668,583 Total net loans and acceptances 589,394 83,791 5,190 678,375 591,860 69,640 3,276 664,776 Commitments and financial guarantee contracts Acceptable Investment grade 198,132 787 – 198,919 195,149 1,721 – 196,870 Sub-investment 68,177 6,647 – 74,824 54,148 14,158 – 68,306 Watchlist 59 8,765 – 8,824 254 4,137 – 4,391 Impaired – – 1,373 1,373 – – 687 687 Gross commitments and financial guarantee contracts 266,368 16,199 1,373 283,940 249,551 20,016 687 270,254 ACL 235 267 78 580 260 189 11 460 Carrying amount (7) (8) $ 266,133 $ 15,932 $ 1,295 $ 283,360 $ 249,291 $ 19,827 $ 676 $ 269,794 (1) Includes $163 million ($1,676 million as at October 31, 2023) of residential mortgages and $12,431 million ($5,720 million as at October 31, 2023) of business and government loans that are classified and measured at FVTPL. (2) Includes Bank of the West PCI loans. ( 3 92% of Stage 3 loans were either fully or partially collateralized as at October 31, 2024 (93% as at October 31, 2023). (4) Includes purchased portfolios and certain cases where an internal risk rating is not assigned. Alternative credit risk assessments, rating methodologies, policies and tools are used to manage credit risk for these portfolios . (5) Credit card loans are immediately written off when principal or interest payments are 180 days past due, and as a result are not reported as impaired in Stage 3. (6) Includes customers’ liability under acceptances. (7) Represents the total contractual amounts of undrawn credit facilities and other off-balance (8) Certain commercial borrower commitments are conditional and may include recourse to counterparties. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Loans and ACL by geographic region as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Gross amount ACL on ACL on Net Gross amount ACL on ACL on Net amount By geographic region (3) Canada $ 392,398 $ 461 $ 1,531 $ 390,406 $ 365,455 $ 457 $ 1,272 $ 363,726 United States 277,718 192 2,141 275,385 283,355 227 1,833 281,295 Other countries 12,256 – 31 12,225 11,662 – 18 11,644 Total $   682,372 $         653 $         3,703 $   678,016 $   660,472 $         684 $         3,123 $   656,665 (1) Excludes ACL on impaired loans of $78 million for other credit instruments, which is included in other liabilities ($11 million as at October 31, 2023). (2) Excludes ACL on performing loans of $502 million for other credit instruments, which is included in other liabilities ($449 million as at October 31, 2023). (3) Geographic region is based upon the country of ultimate risk. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Impaired (Stage 3) loans, including the related allowances, as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Gross impaired ACL on Net impaired Gross impaired ACL on Net impaired Residential mortgages $ 657 $ 10 $ 647 $ 424 $ 5 $ 419 Consumer instalment and other personal 577 168 409 549 152 397 Business and government (2) 4,609 475 4,134 2,987 527 2,460 Total $ 5,843 $ 653 $ 5,190 $ 3,960 $ 684 $ 3,276 By geographic region (3) Canada $ 2,513 $ 461 $ 2,052 $ 1,629 $ 457 $ 1,172 United States 3,327 192 3,135 2,331 227 2,104 Other countries 3 – 3 – – – Total $     5,843 $           653 $     5,190 $     3,960 $           684 $     3,276 (1) Excludes ACL on impaired loans of $78 million for other credit instruments, which is included in other liabilities ($11 million as at October 31, 2023). (2) Includes customers’ liability under acceptances. (3) Geographic region is based upon the country of ultimate risk. Purchased Loans Purchased loans are initially measured at fair value and identified as either purchased performing loans (those for which timely principal and interest payments continue to be made), or PCI loans (those for which the timely collection of interest and principal is no longer reasonably assured). These loans are subsequently measured at amortized cost or fair value, depending on the business model. Purchased Performing Loans For loans with fixed terms, the fair value/par value difference, referred to as the fair value mark, is amortized into interest income over the expected life of the loan using the effective interest method. For loans with revolving terms, the fair value mark is amortized into net interest income on a straight-line basis over the contractual term of the loan. As loans are repaid, the remaining unamortized fair value mark related to the loan is recorded in interest income in the period the loan is repaid. All purchased performing loans were initially recorded in Stage 1 for purposes of determining ECL . Following our acquisition of Bank of the West on February 1, 2023, we recognized purchased performing loans with a fair value of $76,068 million. Fair value reflected estimates of expected future credit losses at the acquisition date of $1,047 million, as well as interest rate premiums or discounts relative to prevailing market rates. Gross contractual receivables amounted to $78,931 million. As at October 31, 2024, purchased performing loans recorded in our Consolidated Balance Sheet totalled $45,697 million ($68,025 million as at October 31, 2023), including a remaining fair value mark of $(1,483) million ($(2,317) million as at October 31, 2023). Purchased Credit Impaired Loans We regularly re-evaluate On February 1, 2023, we recognized PCI loans with a total fair value of $415 million, including a fair value mark of $(168) million. As at October 31, 2024, PCI loans recorded i Loans Past Due Not Impaired Loans that are past due but not classified as impaired are loans for which customers have failed to make payments when contractually due but for which we expect the full amount of principal and interest payments to be collected, or loans that are held at fair value. The following table presents loans that are past due but not classified as impaired as at October 31, 2024 and 2023. Loans for which payment is less than 30 days past due have been excluded, as they are not generally representative of the borrowers’ ability to meet their payment obligations. (Canadian $ in millions) 2024 2023 30 to 89 days 90 days or more Total 30 to 89 days 90 days or more (1) Total Residential mortgages $ 696 $ 15 $ 711 $ 707 $ 9 $ 716 Credit cards, consumer instalment and other personal 734 173 907 1,003 129 1,132 Business and government 689 16 705 826 18 844 Total $     2,119 $       204 $     2,323 $    2,536 $         156 $      2,692 (1) Fully secured loans with amounts between 90 and 180 days past due that we have not classified as impaired totalled $16 million as at October 31, 2024 ($10 million as at October 31, 2023). ECL Sensitivity and Key Economic Variables The allowance for performing loans is sensitive to changes in both economic forecasts and the probability weight assigned to each forecast scenario. Many of the factors have a high degree of interdependency, although there is no single factor to which loan loss allowances as a whole are sensitive. The upside scenario as at October 31, 2024, assumes a materially stronger economic environment than the base case forecast, with lower unemployment rates. As at October 31, 2024, our base case scenario depicts an economic environment with higher unemployment rates in the near If we assumed a 100 2,625 2,625 4,205 3,572 Effective the second quarter of 2024, we added a fourth scenario to reflect a less severe downside (downside scenario), which improves the continuum of economic forecasts used in the allowance estimation. As at October 31, 2024, our downside scenario assumes a significant escalation of the Ukraine war and sharp contraction in the Canadian and U.S. economies in the near 100% severe downside economic forecast and included the impact of loan migration by restaging, with other assumptions held constant, including the application of experienced credit judgment, the allowance for performing loans would be approximately $ 7,500 6,025 4,205 3,572 Actual results in a recession will differ, as our loan portfolio will change through time due to migration, growth, risk mitigation actions and other factors. In addition, our allowance will reflect the four economic scenarios used in assessing the allowance, with often unequal weightings attached to each scenario, which can change through time. The following tables show the key economic variables used to estimate the allowance for performing loans forecast over the next 12 months or lifetime measurement period. While the values disclosed below are national variables, we use regional variables in the underlying models and consider factors impacting particular industries where appropriate. As at October 31, 2024 Scenarios All figures are average annual values Upside Base Downside Severe downside First 12 Remaining First 12 Remaining First 12 Remaining First 12 Remaining Real GDP growth rates (2) Canada 4.6 % 2.6 % 1.8 % 1.9 % (2.3) % 1.3 %  (3.6) % 1.2 %  United States 4.3 % 2.4 % 1.9 % 1.9 % (2.1) % 1.4 %  (3.4) % 1.3 %  Corporate BBB 10-year Canada 1.3 % 1.8 % 1.9 % 2.0 % 3.6 %  3.0 %  4.2 %  3.5 %  United States 0.9 % 1.6 % 1.6 % 2.0 % 3.4 %  3.1 %  4.6 %  3.6 %  Unemployment rates Canada 5.3 % 4.8 % 7.0 % 6.8 % 8.8 %  9.4 %  9.8 %  10.5 % United States 3.4 % 3.0 % 4.7 % 4.4 % 6.7 %  7.3 %  7.6 %  8.4 % Housing Price Index (2) Canada (3) 5.9 % 5.4 % 1.6 % 3.0 % (10.9) % (1.0) % (19.0) % (5.0) % United States (4) 5.9 % 4.0 % 2.8 % 2.6 % (9.6) % (1.0) % (19.3) % (4.3) % (1) The remaining forecast period is two years. (2) Real gross domestic product (GDP) and housing price index are averages of quarterly year-over-year growth rates. (3) In Canada, we use the Housing Price Index Benchmark Composite. (4) In the United States, we use the National Case-Shiller House Price Index. As at October 31, 2023 Scenarios All figures are average annual values Upside Base Severe downside First 12 Remaining First 12 Remaining First 12 Remaining Real GDP growth rates (2) Canada 3.2 2.6 0.4%  1.9% (3.9)% 1.2%  United States 4.1 2.5% 1.4%  2.0% (3.5)% 1.4%  Corporate BBB 10-year Canada 1.7 1.8% 2.4%  2.0% 4.2%  3.5%  United States 1.4 1.7% 2.2%  2.1% 4.6%  3.5%  Unemployment rates Canada 4.2 3.7% 5.9%  5.7% 9.3%  10.1%  United States 2.9 2.5% 4.2%  4.1% 7.5%  8.3%  Housing Price Index (2) Canada (3) 9.9 6.9% 5.5%  4.5% (20.2)% (5.0)% United States (4) 2.7 3.7% (0.5)% 2.3% (19.2)% (4.3)% (1) The remaining forecast period is two years. (2) Real gross domestic product (GDP) and housing price index are averages of quarterly year-over-year growth rates. (3) In Canada, we use the Housing Price Index Benchmark Composite. (4) In the United States, we use the National Case-Shiller House Price Index. The ECL approach requires the recognition of credit losses generally based on 12 months of expected losses for performing loans (Stage 1) and the recognition of lifetime expected losses on performing loans that have experienced a significant increase in credit risk since origination (Stage 2). Under our current probability-weighted scenarios, if all of Renegotiated Loans From time to time we modify the contractual terms of a loan due to the poor financial condition of the borrower. Modifications may include reductions in interest rates, maturity date extensions, payment holidays, payment forgiveness or debt consolidation. We assess renegotiated loans for impairment in line with our existing policies for impairment. When an impaired loan is renegotiated, it will return to performing status when none of the criteria for classification as impaired continue to apply and the borrower has demonstrated good payment behaviour on the restructured terms over a period of time. The carrying value of loans with lifetime ACL modified during the year ended October 31, 2024 was $1,595 million ($1,005 million in 2023). As at 12-month Foreclosed Assets Property or other assets that we receive from borrowers to satisfy their loan commitments are classified as either held for own use or held-for-sale held-for-sale. held-for-sale As at October 31, 2024, real estate properties held-for-sale Collateral Collateral is used to manage credit risk related to securities borrowed or purchased under resale agreements, residential mortgages, consumer instalment and other personal loans, and business and government loans. Additional information on our collateral requirements is included in Notes 14 and 25, as well as in the blue-tinted font in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis.

Risk Management

Risk Management	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Risk Management	Note 5: Risk Management We have an enterprise-wide approach to the identification, assessment, management (including mitigation), monitoring and reporting of risks faced across our organization. The key risks related to our financial instruments are classified as credit and counterparty, market, and liquidity and funding risk. Macroeconomic factors, including interest rates and unemployment rates, impact certain risks as outlined in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis, and where those risks are related to financial instruments, they have been included in the blue-tinted font as referenced below. The blue-tinted text and tables in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis form an integral part of these consolidated financial statements. Credit and Counterparty Risk Credit and counterparty risk is the potential for loss due to the failure of a borrower, endorser, guarantor or counterparty to repay a loan or honour another predetermined financial obligation. Credit risk arises predominantly with respect to loans, over-the-counter Our risk management practices and key measures are disclosed in the blue-tinted font in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis. Additional information on credit risk related to loans and derivatives is included in Notes 4 and 8, respectively. Market Risk Market risk is the potential for adverse changes in the value of our assets and liabilities resulting from changes in market variables such as interest rates, foreign exchange rates, credit spreads, equity and commodity prices and their implied volatilities. We incur market risk in our trading and underwriting activities, as well as in our structural banking activities. Our market risk management practices and key measures are disclosed in the blue-tinted font in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis. Liquidity and Funding Risk Liquidity and funding risk is the potential for loss if we are unable to meet our financial commitments in a timely manner at reasonable prices as they become due. Financial commitments include liabilities to depositors and suppliers, as well as lending, investment and pledging commitments. It is our policy to ensure that sufficient liquid assets and funding capacity are available to meet financial commitments, even in times of stress. Managing liquidity and funding risk is essential to maintaining enterprise soundness and safety, depositor confidence and earnings stability. Our liquidity and funding risk management practices and key measures are disclosed in the blue-tinted font in the Enterprise-Wide Risk Management section of our Management’s Discussion and Analysis.

Transfers of Financial Assets

Transfers of Financial Assets	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Transfers of Financial Assets	Note 6: Transfers of Financial Assets Transfers of Financial Assets that do not Qualify for Derecognition Loan Securitization We sell Canadian residential and commercial For some of these sales, we continue to be exposed to substantially all of the prepayment, interest rate and credit risk associated with the securitized mortgages, so they did not qualify for derecognition. We continue to recognize the mortgages in our Consolidated Balance Sheet and the related cash proceeds are recognized as secured financing as part of securitization and structured entities’ liabilities in our Consolidated Balance Sheet. The interest and fees collected, net of the yield paid to investors, are recorded in net interest income using the effective interest method over the term of the securitization. Credit losses associated with the mortgages are recorded in the PCL. During the year ended October 31, 2024, we sold $ 3,687 million of mortgages to these programs ($4,950 million in 2023). The following table presents the carrying values and fair values of transferred assets that did not qualify for derecognition and the associated liabilities relating to loan securitizations: (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value (1) Fair value Assets Trading securities (2) $ 106 $ – $ 277 $ – Loans 9,277 – 7,317 – Other related assets (3) 6,952 – 8,430 – Total $ 16,335 $ 16,118 $ 16,024 $ 15,266 Associated liabilities (4) $      15,790 $      15,598 $      14,937 $     14,244 (1) Carrying value of loans is net of ACL (2) Trading securities represent CMO issued by third-party sponsored vehicles, where we do not substantially transfer all of the risks and rewards of ownership to third-party investors. (3) Other related assets represent payments received on account of mortgages pledged under securitization programs that have not yet been applied against the associated liabilities. The payments received are held in permitted instruments 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 value of the securitized assets in the table above. (4) Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet. Securities Lent or Sold Under Repurchase Agreements Securities lent or sold under repurchase agreements represent short-term funding transactions in which we sell securities that we own and simultaneously commit to repurchase the same securities at a specified price on a specified date in the future. We retain substantially all the risks and rewards associated with the securities and we continue to recognize them in our Consolidated Balance Sheet, with the obligation to repurchase these securities recorded as secured borrowing transactions at the amount owing. The carrying value of these securities approximates the carrying value of the associated liabilities due to their short-term nature. As at October 31, 2024, the carrying values of securities lent and securities sold under repurchase agreements were $12,913 million and $97,878 million, respectively Continuing Involvement in Transferred Financial Assets that Qualify for Derecognition We retain the servicing rights, representing our continuing involvement, for certain mortgage and recreational vehicle loans purchased or originated in the United States that have been sold and derecognized. During the year ended October 31, 2024, we sold and derecognized $10,249 million of these loans ($364 million in 2023) and recognized a loss of $153 million (gain of $10 million in 2023) in non-interest revenue, other. As at October 31, 2024, the carrying value of the servicing rights was $169 million ($94 million as at October 31, 2023) and the fair value was $192 million ($120 million as at October 31, 2023). We retain residual interests, representing our continuing involvement, for certain commercial mortgage loans purchased or originated in the United States that have been sold and derecognized. During the year ended October 31, 2024, we sold and derecognized $4,412 million of these loans ($1,302 million in 2023) and recognized a gain of $49 million upon transfer ($28 million in 2023). The carrying values of our retained interests classified as debt securities at amortized cost and loans carried at amortized cost were $7 million and $40 million, respectively, as at October 31, 2024 ($8 million and $38 million, respectively, as at October 31, 2023). Fair value was equal to carrying value on these dates. In addition, we hold U.S. government agency CMO issued by third-party sponsored vehicles, which we may further securitize by packaging them into new CMO prior to selling to third-party investors. If we have not substantially transferred all of the risks and rewards of ownership to third-party investors, we continue to recognize these CMO and the related cash proceeds as secured financing in our Consolidated Balance Sheet. During the year, we sold CMO that qualified for derecognition, where retained interests represent our continuing involvement and are managed as part of larger portfolios held for trading, liquidity or hedging purposes. Where we sold these CMO, associated gains and losses are recognized in non-interest As noted above, we sell Canadian residential and commercial non-interest value

Structured Entities

Structured Entities	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Structured Entities	Note 7: Structured Entities We enter into certain transactions in the ordinary course of business which involve the establishment of SEs to facilitate or secure customer transactions and to obtain alternate sources of funding. We are required to consolidate a SE if we control the entity. We control a SE when we have power over the SE, exposure to variable returns as a result of our involvement, and the ability to exercise power to affect the amount of our returns. In assessing whether we control a SE, we consider the entire arrangement to determine the purpose and design of the SE, the nature of any rights held through contractual arrangements, and whether we are acting as principal or agent. We perform a reassessment of consolidation if facts and circumstances indicate that there have been changes to one or more of the elements of control over the SE. If the reassessment determines that we no longer control the SE, we will derecognize the related assets (including goodwill), liabilities and non-controlling Consolidated Structured Entities Bank Securitization Vehicles We use securitization vehicles to securitize our Canadian credit card loans, Canadian real estate lines of credit and Canadian auto loans in order to obtain alternate sources of funding. The structure of these vehicles limits the activities they can undertake and the types of assets they can hold, and the vehicles have limited decision-making authority. The vehicles issue term asset-backed securities (ABS) to fund their activities. We control and consolidate these vehicles, as we have the key decision-making powers necessary to obtain the majority of the benefits of their activities. The following table presents the carrying values and fair values of assets and liabilities related to these consolidated securitization vehicles: (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value Fair value Assets Credit cards $ 10,964 $ 10,964 $ 9,506 $ 9,506 Consumer instalment and other personal (2) 3,732 3,728 4,695 4,670 Total $ 14,696 $ 14,692 $ 14,201 $ 14,176 Associated liabilities (3) $    9,151 $    9,146 $    10,376 $    10,177 (1) Carrying value of loans is net of ACL. (2) Includes real estate lines of credit and auto loans. (3) Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet. Capital and Funding Vehicles We sponsor the Trust established in connection with the issuance of $1,250 million 4.300% Limited Recourse Capital Notes, Series 1 (Series 1 LRCNs), $750 million 5.625% Limited Recourse Capital Notes, Series 2 (Series 2 LRCNs), $ Non-Cumulative 5-Year (Non-Viability Non-Cumulative 5-Year Non-Cumulative 5-Year Non-Cumulative 5-Year million of BMO issued Non-Cumulative 5-Year We have a funding vehicle, created under the covered bond program, that was established to guarantee payments due to the holders of bonds issued by us. We sell assets to this funding vehicle in exchange for an intercompany loan. Refer to Note 13 for further information on our covered bond deposit liabilities. We have established a funding vehicle that issues commercial paper to third parties. We pledge collateral to secure the commercial paper in exchange for an intercompany loan. The amount of commercial paper issued by the vehicle totalled $9,682 million as at October 31, 2024 ($6,054 million as at October 31, 2023). Refer to Note 13 for further information on our commercial paper deposit liabilities. For those vehicles that purchase assets from us or are designed to pass on our credit risk, we have determined that, based on either the rights of the arrangements or through our equity interest, we have significant exposure to the variable returns of the vehicles, and we control and therefore consolidate these vehicles. Additional information related to notes issued by, and assets sold to, these vehicles is provided in Notes 13 and 25, respectively. Other We have other consolidated SEs created to meet the needs of the bank and its customers. Aside from the exposure resulting from our involvement as a sponsor, we do not have other contractual or non-contractual Unconsolidated Structured Entities The table below presents amounts related to our interests in unconsolidated SEs: (Canadian $ in millions) 2024 2023 Customer Capital Other Customer Capital Other Interests recorded in our Consolidated Balance Sheet Financial Assets Cash and cash equivalents $ 107 $ 5,536 $ – $ 184 $ 5,182 $ – Trading securities 170 – 21,485 518 – 3,346 FVTPL securities 40 – – 23 – – FVOCI securities 1,484 – – 1,393 – – Derivatives 1 – – 23 – – Other 8 – 169 9 – 100 Total $ 1,810 $ 5,536 $ 21,654 $ 2,150 $ 5,182 $ 3,446 Financial Liabilities Deposits $ 107 $ 5,536 $ – $ 184 $ 5,182 $ – Derivatives 3 – – – – – Other – 87 – – 79 – Total $ 110 $ 5,623 $ – $ 184 $ 5,261 $ – Maximum exposure to loss (2) $ 20,998 $ 1 $ 21,654 $ 21,740 $ 1 $ 3,446 Total assets of the entities $    12,956 $    5,624 $    87,611 $    13,936 $     5,260 $    30,877 (1) Securities held that are issued by our Canadian and U.S. customer securitization vehicles comprise (2) Maximum exposure to loss represents securities held, undrawn liquidity facilities, any remaining unfunded committed amounts to the BMO funded vehicle, derivative assets and other assets. Customer Securitization Vehicles We sponsor customer securitization vehicles (also referred to as bank-sponsored multi-seller conduits) that provide our customers with alternate sources of funding through the securitization of their assets. These vehicles provide clients with access to financing either from BMO or in the ABCP markets by allowing them to either sell their assets directly into the vehicle or indirectly by selling an interest in the securitized assets into the vehicle, which then issues ABCP to either investors or BMO to fund the purchases. The sellers remain responsible for servicing the transferred assets and are first to absorb any losses realized on those assets. We are not responsible for servicing or absorbing the first loss and none of the sellers are affiliated with BMO. We earn fees for providing services related to the securitizations, including liquidity, distribution and financial arrangement fees for supporting the ongoing operations of the vehicles. We have determined that we act as agent on behalf of the sellers and therefore do not control these vehicles. We provide liquidity facilities to the market-funded vehicles, which may require that we provide them with additional financing if certain events occur. The total committed and undrawn amount under these liquidity facilities and the undrawn amount of the BMO funded vehicle as at October 31, 2024 was $ 19,296 million ($19,775 million as at October 31, 2023). This is included within commitments outlined in Note 25. Our interests in these vehicles as at October 31, 2024 and 2023 have been included in the Unconsolidated Structured Entities table above. Capital Vehicles We also use capital vehicles to pass on our credit risk to security holders of the vehicles. In these situations, we are not exposed to significant Other Securitization Vehicles Other securitization vehicles involve holdings in asset-backed securitizations. Where we sponsor SEs that securitize MBS into CMO, we may have interests through our holdings of CMO but we do not consolidate the SEs, as we do not have power to direct their relevant activities. These include government-sponsored agency securities such as U.S. government agency issuances. In determining whether we are a sponsor of a SE, we consider both qualitative and quantitative factors, including the purpose and nature of the entity, and our initial and continuing involvement. Subsequent to the securitization, we sell the CMO to third parties. Our maximum exposure to loss is limited to our on-balance Where the asset-backed instruments in these securitizations are transferred to third parties, but we do not substantially transfer all risks and rewards of ownership to the third-party investors, we continue to recognize the transferred assets with the related cash proceeds recorded as secured financing in our Consolidated Balance Sheet in securitization and structured entities’ liabilities. As at October 31, 2024, these transferred assets were carried at fair value totalling $19,903 million ($3,127 million as at October 31, 2023), with $15,223 million ($1,781 million as at October 31, 2023) recognized in securitization and structured entities’ liabilities, also carried at fair value. Where the asset-backed instruments in these securitizations are transferred to third parties and qualify for derecognition, we record the related gains or losses in non-interest During the year ended October 31, 2024, we sold $31,832 million of MBS to these sponsored securitization vehicles ($11,779 million in 2023) and divested all interests in the securitized MBS, with any gains and losses recorded in our Consolidated Statement of Income in non-interest We retain residual interests in certain commercial mortgage loans that have been either purchased or originated in the United States and then sold and derecognized through bank-sponsored SEs, which securitize these loans into MBS. During the year ended October 31, 2024, we sold and derecognized $1,730 million of these loans ($1,170 million in 2023) and recognized a gain of $19 million ($25 million in 2023). The carrying values of our retained interests classified as loans carried at amortized cost were $169 million as at October 31, 2024 ($100 million as at October 31, 2023). Fair value was equal to carrying value on these dates. BMO Managed Funds We have established a number of funds that we also manage. We assess whether or not we control these funds based on the economic interest we have in the funds, including investments in the funds and management fees earned from the funds, and any investors’ rights to remove us as investment manager. We consolidate only those funds that we control. Our total interest in unconsolidated BMO managed funds was $848 million as at October 31, 2024 ($870 million as at October 31, 2023), with $250 million included in FVTPL securities and $598 million included in trading securities in our Consolidated Balance Sheet as at October 31, 2024 ($181 million and $689 million, respectively, as at October 31, 2023). Other Structured Entities We purchase and hold investments in a variety of third-party SEs, including exchange-traded funds, mutual funds, limited partnerships, investment trusts, LIHTC entities and government-sponsored ABS vehicles, which are recorded in securities in our Consolidated Balance Sheet. We are considered to have an interest in these entities through our holdings and because we may act as a counterparty in certain derivatives contracts. We are not the investment manager or the sponsor of any of these entities. We are generally a passive investor and do not have power over the key decision-making activities of these entities. Our maximum exposure to loss from our investments is limited to the carrying amounts of our investments in these entities and any unutilized commitment we have provided. Sponsored Structured Entities We may be deemed to be the sponsor of a SE if we are involved in its design, legal set-up Financial Support Provided to Structured Entities During the years ended October 31, 2024 and 2023, we did not provide any financial or non-financial

Derivative Instruments

Derivative Instruments	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Derivative Instruments	Note 8: Derivative Instruments Derivative instruments are financial contracts that derive their value from underlying changes in interest rates, foreign exchange rates or other financial or commodity prices or indices. Derivative instruments can be either regulated exchange-traded contracts or negotiated over-the-counter Types of Derivatives Swaps Swaps are contractual agreements between two parties to exchange a series of cash flows. The various swap agreements that we enter into are as follows: • Interest rate swaps – counterparties generally exchange fixed and floating rate interest payments based on a notional value in a single currency. • Cross-currency swaps – counterparties exchange fixed rate interest payments and principal amounts in different currencies. • Cross-currency interest rate swaps – counterparties exchange fixed and/or floating rate interest payments and principal amounts in different currencies. • Commodity swaps – counterparties generally exchange fixed and floating rate payments based on a notional value of a single commodity. • Equity swaps – counterparties exchange the return on an equity security or a group of equity securities for the return based on a fixed or floating interest rate or the return on another equity security or group of equity securities. • Credit default swaps – one counterparty pays the other a fee in exchange for that other counterparty agreeing to make a payment if a credit event occurs, such as bankruptcy or failure to pay. • Total return swaps – one counterparty agrees to pay or receive from the other cash amounts based on changes in the value of a reference asset or group of assets, including returns such as interest earned on these assets, in exchange for amounts that are based on prevailing market funding rates. Forwards and Futures Forwards and futures are contractual agreements to either buy or sell a specified amount of a currency, commodity, interest rate-sensitive financial instrument or security at a specified price and date in the future. Forwards are customized contracts transacted in the over-the-counter Options Options are contractual agreements that convey to the purchaser the right but not the obligation to either buy or sell a specified amount of a currency, commodity, interest rate financial instrument or security at a fixed future date or at any time within a fixed future period. For options written by us, we receive a premium from the purchaser for accepting market risk. For options purchased by us, we pay a premium for the right to exercise the option. Since we have no obligation to exercise the option, our primary exposure to risk is the potential credit risk if the writer of an over-the-counter Caps, collars and floors are specialized types of written and purchased options. They are contractual agreements in which the writer agrees to pay the purchaser, based on a specified notional amount, the difference between the market rate and the prescribed rate of the cap, collar or floor. The writer receives a premium for selling this instrument. A swaption is an option granting its owner the right but not the obligation to enter into an underlying swap. A futures option is an option contract in which the underlying instrument is a single futures contract. The main risks associated with these derivative instruments are related to exposure to movements in interest rates, foreign exchange rates, credit quality, value of the underlying financial instrument or commodity, as applicable, and the possible inability of counterparties to meet the terms of the contracts. Embedded Derivatives From time to time, we purchase or issue financial instruments containing embedded derivatives. The embedded derivative in a financial liability is separated from the host contract and carried at fair value if the economic characteristics of the derivative are not closely related to those of the host contract, the terms of the embedded derivative are the same as those of a stand-alone derivative, and the combined contract is not measured at fair value. To the extent that we cannot reliably identify and measure the embedded derivative, the entire contract is carried at fair value, with changes in fair value reflected in our Consolidated Statement of Income. Embedded derivatives in certain of our guaranteed investment certificate deposits are accounted for separately from the host instrument and presented within deposits in our Consolidated Balance Sheet. Contingent Features Certain over-the-counter Risks Hedged Interest Rate Risk We manage interest rate risk through interest rate futures, interest rate swaps and options, which are linked to and adjust the interest rate sensitivity of a specific asset, liability, forecasted transaction or firm commitment, or a specific pool of transactions with similar risk characteristics. Foreign Currency Risk We manage foreign currency risk through currency futures, foreign currency options, cross-currency swaps, foreign exchange spot transactions, forward contracts and deposits denominated in foreign currencies. Equity Price Risk We manage equity price risk through total return swaps. Trading Derivatives Trading derivatives include derivatives entered into with customers to accommodate their risk management needs, market-making to facilitate customer-driven demand for derivatives, derivatives transacted on a limited basis to generate trading income from our principal trading positions, and certain derivatives entered into as part of our risk management strategy that do not qualify as hedges for accounting purposes (economic hedges). We structure and market derivative products to enable customers to transfer, modify or reduce current or expected exposure to risks. Principal trading activities include market-making and positioning activities. Market-making involves quoting bid and offer prices to other market participants with the intention of generating revenues based on spread and volume. Positioning activities involve managing market risk positions with the expectation of profiting from favourable movements in prices, rates or indices. We may also economically hedge a portion of our U.S. dollar earnings through forward foreign exchange contracts and/or options to minimize fluctuations in our consolidated net income due to the translation of our U.S. dollar earnings. These contracts are recorded at fair value, with changes in fair value recorded in non-interest Trading derivatives are recorded at fair value. Realized and unrealized gains and losses are generally recorded in non-interest Fair Value of Trading and Hedging Derivatives Fair value represents a point-in-time Fair values of our derivative instruments are as follows: (Canadian $ in millions) 2024 2023 Gross assets Gross liabilities Net Gross assets Gross liabilities Net Trading Interest Rate Contracts Swaps $ 3,203 $ (5,707 ) $ (2,504 ) $ 4,193 $ (9,393 ) $ (5,200 ) Forward rate agreements 477 (281 ) 196 360 (84 ) 276 Purchased options 2,574 –      2,574 3,221 – 3,221 Written options – (2,341 ) (2,341 ) – (3,129 ) (3,129 ) Futures 21 (10 ) 11 6 (21 ) (15 ) Foreign Exchange Contracts (1) Cross-currency swaps 1,989 (1,378 ) 611 1,887 (1,397 ) 490 Cross-currency interest rate swaps 9,777 (10,867 ) (1,090 ) 10,340 (10,081 ) 259 Forward foreign exchange contracts 8,150 (6,096 ) 2,054 6,685 (5,469 ) 1,216 Purchased options 657 – 657 575 – 575 Written options – (528 ) (528 ) – (448 ) (448 ) Commodity Contracts Swaps 1,023 (1,097 ) (74 ) 1,029 (743 ) 286 Purchased options 644 – 644 850 – 850 Written options – (607 ) (607 ) – (787 ) (787 ) Futures 160 (117 ) 43 143 (127 ) 16 Equity Contracts 14,194 (25,673 ) (11,479 ) 4,690 (11,460 ) (6,770 ) Credit Contracts Purchased 1 (10 ) (9 ) 13 (18 ) (5 ) Written 9 (1 ) 8 12 (9 ) 3 Total fair value – trading derivatives $ 42,879 $ (54,713 ) $ (11,834 ) $ 34,004 $ (43,166 ) $ (9,162 ) Hedging Interest Rate Contracts (2) Cash flow hedges – swaps $ 2,148 $ (915 ) $ 1,233 $ 693 $ (3,784 ) $ (3,091 ) Fair value hedges – swaps 1,464 (1,589 ) (125 ) 4,877 (1,390 )      3,487 Total swaps 3,612 (2,504 ) 1,108 5,570 (5,174 ) 396 Foreign Exchange Contracts Cash flow hedges 699 (1,080 ) (381 ) 333 (1,801 ) (1,468 ) Fair value hedges – (2 ) (2 ) 69 (1 ) 68 Net investment hedges – (4 ) (4 ) – (8 ) (8 ) Total foreign exchange contracts 699 (1,086 ) (387 ) 402 (1,810 ) (1,408 ) Equity Contracts Cash flow hedges 63 – 63 – (43 ) (43 ) Total equity contracts 63 – 63 – (43 ) (43 ) Total fair value – hedging derivatives (3) 4,374 (3,590 ) 784 5,972 (7,027 ) (1,055 ) Total fair value – trading and hedging derivatives 47,253 (58,303 ) (11,050 ) 39,976 (50,193 ) (10,217 ) Less: impact of master netting agreements (31,576 )     31,576 – (26,674 )     26,674 – Total $     15,677 $ (26,727 ) $ (11,050 ) $     13,302 $ (23,519 ) $ (10,217 ) (1) Gold contracts are included in foreign exchange contracts. (2) Includes the fair value of bond futures in fair value hedges rounded down to $nil million as at October 31, 2024 ($nil million as at October 31, 2023). (3) The fair values of hedging derivatives wholly or partially offset the changes in fair values of the related on-balance Assets are presented net of liabilities to customers where we have a legally enforceable right to offset amounts and we intend to settle contracts on a net basis. Notional Amounts of Trading Derivatives The notional amounts of our derivatives rep res (Canadian $ in millions) 2024 2023 Exchange-traded Over-the-counter Total Exchange-traded Over-the-counter Total Interest Rate Contracts Swaps $ – $ 16,390,827 $ 16,390,827 $ – $ 9,254,984 $ 9,254,984 Forward rate agreements – 3,414,449 3,414,449 – 132,653 132,653 Purchased options 136,796 253,694 390,490 37,264 130,000 167,264 Written options 26,468 255,721 282,189 38,256 118,524 156,780 Futures 1,735,442 – 1,735,442 1,367,959 – 1,367,959 Total interest rate contracts 1,898,706 20,314,691 22,213,397 1,443,479 9,636,161 11,079,640 Foreign Exchange Contracts (1) Cross-currency swaps – 64,100 64,100 – 54,169 54,169 Cross-currency interest rate swaps – 891,272 891,272 – 677,765 677,765 Forward foreign exchange contracts – 679,250 679,250 – 563,716 563,716 Purchased options 3,572 76,576 80,148 1,851 51,143 52,994 Written options 3,248 88,210 91,458 2,282 55,370 57,652 Futures 1,751 – 1,751 4,035 – 4,035 Total foreign exchange contracts 8,571 1,799,408 1,807,979 8,168 1,402,163 1,410,331 Commodity Contracts Swaps – 20,328 20,328 – 18,574 18,574 Purchased options 43,931 5,495 49,426 30,397 5,319 35,716 Written options 45,440 4,268 49,708 31,351 4,218 35,569 Futures 36,071 – 36,071 35,285 – 35,285 Total commodity contracts 125,442 30,091 155,533 97,033 28,111 125,144 Equity Contracts 333,126 138,034 471,160 189,112 115,689 304,801 Credit Contracts Purchased – 23,350 23,350 – 16,927 16,927 Written – 16,211 16,211 – 10,010 10,010 Total credit contracts – 39,561 39,561 – 26,937 26,937 Total $    2,365,845 $    22,321,785 $    24,687,630 $    1,737,792 $    11,209,061 $    12,946,853 (1) Gold contracts are included in foreign exchange contracts. Table excludes loan commitment derivatives with a notional amount of $2,498 Derivatives Used in Hedge Accounting We apply the requirements of IAS 39 Financial Instruments: Recognition and Measurement When the hedged item is accounted for at FVTPL, there is a natural offset within the income statement with the related derivative. However, when we manage risks incumbent in instruments that are accounted for at amortized cost, including loans and deposits mark-to-market To the extent these instruments used to manage risk qualify for hedge accounting, we designate them in accounting hedge relationships. Our structural market risk strategies, including our approach to managing interest rate and foreign exchange risk, are included in the blue-tinted font in the Structural (Non-Trading) Non-Trading Mid-Term By using derivatives to hedge exposures to changes in interest rates, foreign exchange rates and equity prices, we are also exposed to the credit risk of the derivative counterparty. We mitigate credit risk by entering into transactions with high-quality counterparties, requiring the counterparties to post collateral, entering into master netting agreements or settling through centrally cleared counterparties. To qualify as an accounting hedge, the hedging relationship must be designated and formally documented at its inception, detailing the particular risk management objective and strategy for the hedge and the specific asset, liability or cash flow being hedged, as well as how effectiveness is to be assessed. Changes in the fair value of the derivative must be highly effective in offsetting changes in the fair value or changes in the amount of future cash flows of the hedged item. We evaluate hedge effectiveness at the inception of the hedging relationship and on an ongoing basis, retrospectively and prospectively, primarily using a quantitative statistical regression analysis. We consider a hedging relationship highly effective when all of the following criteria are met: correlation between the variables in the regression is at least 0.8; the slope of the regression is within a range of 0.8 to 1.25; and the confidence level of the slope is at least 95%. The practice is different for our net investment hedge, which is discussed in the Net Investment Hedges section below. Any ineffectiveness in a hedging relationship is recognized as it arises in non-interest Under the IASB’s Phase 1 Amendments to IAS 39 and IFRS 7, certain hedge accounting requirements were modified to provide relief from the uncertainty arising from IBOR reform during the period prior to replacement of IBORs. These amendments allowed us to assume the interest rate benchmarks that are the basis for cash flows of the hedged item and hedging instrument were not altered as a result of IBOR reform, thereby allowing hedge accounting to continue. They also provided an exception from the requirement to discontinue hedge accounting if a hedging relationship no longer met the effectiveness requirements solely as a result of IBOR reform. In addition, the IASB’s Phase 2 amendments to IAS 39 and IFRS 7 allowed us to amend hedge relationship documentation to reflect the changes required by IBOR reform when Phase 1 came to an end, without discontinuing the existing hedging relationships. We continued to apply these amendments during 2024 until all impacted The following table outlines the notional amounts and average rates of derivatives and the carrying amounts of deposits designated as hedging instruments, by term to maturity, hedge type and risk type, where applicable. (Canadian $ in millions, except as noted) Remaining term to maturity 2024 2023 Within 1 year 1 to 3 years 3 to 5 years 5 to 10 years Over 10 years Total Total Cash Flow Hedges Interest rate risk – Interest rate swaps Notional amount (1) $ 62,887 $ 99,368 $ 64,333 $ 34,402 $ 5,882 $ 266,872 $ 186,679 Average fixed interest rate 4.59% 3.38% 3.54% 3.63% 3.79% 3.75% 4.20% Foreign exchange risk – Cross-currency swaps (2) CAD-USD Notional amount 4,256 21,186 14,229 1,011 251 40,933 43,622 Average fixed interest rate 1.96% 3.38% 3.24% 1.75% 3.02% 3.14% 2.77% Average exchange rate: CAD-USD 1.2589 1.3197 1.3532 1.3266 1.3122 1.3252 1.3218 CAD-EUR Notional amount 717 13,171 3,310 – 201 17,399 16,386 Average fixed interest rate 5.40% 3.44% 3.21% – 2.97% 3.47% 3.15% Average exchange rate: CAD-EUR 1.4345 1.4177 1.4711 – 1.4870 1.4293 1.4352 Other currency pairs (3) Notional amount 923 6,548 2,219 237 – 9,927 9,787 Average fixed interest rate 2.54% 2.98% 4.22% 4.83% – 3.26% 2.99% Average exchange rate: CAD-Non 1.4539 1.6847 1.2748 0.3257 – 1.5391 1.5221 Equity price risk – Total return swap (4) Notional amount 20 460 – – – 480 451 Fair Value Hedges Interest rate risk – Interest rate swaps Notional amount (5) 51,525 42,933 56,909 33,010 3,901 188,278 169,368 Average fixed interest rate 4.53% 3.94% 3.71% 3.74% 3.80% 3.99% 3.91% Interest rate risk – Bond futures (exchange-traded derivatives) Notional amount 1,479 – – – – 1,479 2,825 Average price in dollars 108 – – – – 108 105 Foreign exchange risk – Cross-currency swaps (6) USD-EUR Notional amount 21 – – – – 21 21 Average fixed interest rate 3.25% – – – – 3.25% 3.25% Average exchange rate: USD-EUR 0.9706 – – – – 0.9706 0.9706 USD-JPY Notional amount – – – – – – 476 Average fixed interest rate – – – – – – (0.08)% Average exchange rate: USD-JPY – – – – – – 0.0076 Net Investment Hedges Foreign exchange risk – Cross-currency swaps CAD-CNH Notional amount 677 – – – – 677 650 Foreign exchange risk – Deposit liabilities USD denominated deposit – carrying amount 16,053 – – – – 16,053 13,154 GBP denominated deposit – carrying amount 300 – – – – 300 157 (1) The notional amount of interest rate swaps maturing after June 28, 2024 which referenced CDOR was $21,718 million October 31, 2023 There are no derivatives referencing CDOR as at October 31, 2024. (2) Under certain hedge strategies using cross-currency swaps, a CAD leg is inserted to create two swaps designated as separate hedges (for example, a EUR-USD EUR-CAD CAD-USD CAD-foreign (3) Includes CAD-AUD, CAD-CHF, CAD-CNH, CAD-GBP, CAD-HKD, CAD-JPY CAD-NOK , June 28, 2024 which referenced CDOR was $ (4) The notional amount of total return swaps maturing after June 28, 2024 which referenced CDOR was $451 million October 31, 2023 (5) The notional amount of interest rate swaps maturing after June 28, 2024 which referenced CDOR was $22,328 million October 31, 2023 (6) The notional amount of cross-currency swaps maturing after June 28, 2024 which referenced CDOR was $nil million October 31, 2023 Cash Flow Hedges Cash flow hedges modify exposure to variability in cash flows for variable interest rate bearing in We determine the amount of the exposure to which hedge accounting is applied by assessing the potential impact of changes in interest rates, foreign exchange rates and equity prices on the future cash flows of floating rate loans and deposits, foreign currency denominated assets and liabilities and certain cash-settled share-based payments. This assessment is performed using analytical techniques, such as simulation, sensitivity analysis, stress testing and gap analysis. We record interest that we pay or receive on derivatives that hedge interest rate risk or foreign exchange risk in net interest income in our Consolidated Statement of Income over the life of the hedge. Interest paid on derivatives that hedge equity price risk on certain share-based payments is recorded in employee compensation expense. The accounting mismatch that would otherwise occur is eliminated by recording changes in the fair value of the derivative that offset changes in the fair value of the hedged item for the designated hedged risk in other comprehensive income. Hedge ineffectiveness, the portion of the change in fair value of the derivative that does not offset changes in the fair value of the hedged item, is recorded directly in non-interest For cash flow hedges that are discontinued before the end of the original hedge term, the cumulative unrealized gain or loss recorded in other comprehensive income is amortized to our Consolidated Statement of Income in net interest income for interest rate swaps and in employee compensation expense for total return swaps as the hedged item is recorded in earnings. If the hedged item is sold or settled, the entire unrealized gain or loss is recognized immediately in net interest income in our Consolidated Statement of Income. In general, we do not terminate our foreign exchange hedges before maturity. For cash flow hedges, we use a hypothetical derivative to measure the hedged risk of floating rate loans, deposits, foreign currency denominated assets and liabilities, or share-based payment grants. This hypothetical derivative matches the critical terms of the hedged items identically, and it perfectly offsets the hedged cash flow. In our cash flow hedge relationships, the main sources of ineffectiveness are differences in interest rate indices, tenor and reset or settlement frequencies between hedging instruments and hedged items, and using hedging instruments without a floor in relationships for hedged items with a floor. Net Investment Hedges Net investment hedges mitigate our exposure to foreign exchange rate fluctuations related to our net investment in foreign operations. Deposits denominated in foreign currencies, cross-currency swaps and foreign exchange forwards are designated as a hedging instrument for a portion of our net investment in foreign operations. We designate the spot rate component of our hedging instrument in net investment hedges. The foreign currency translation of our net investment in foreign operations and the effective portion of the corresponding hedging instrument are recorded in net gains on translation of net foreign operations in other comprehensive income, instead of through the income statement in the case of the hedging instrument if hedge accounting had not been elected. The effectiveness of our net investment hedge is determined using either the dollar offset method with spot foreign currency rates or a quantitative statistical regression analysis. As the notional amount of the hedging instruments and the hedged net investment in foreign operations are the same, there are no significant sources of ineffectiveness in these hedging relationships. The following table contains information related to the hedging instruments, hedged items and hedge ineffectiveness for cash flow and net investment hedges for the years ended October 31, 2024 and 2023. (Canadian $ in millions) 2024 Carrying amount of hedging instruments Hedge ineffectiveness Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Cash Flow Hedges Interest rate risk – Interest rate swaps $ 2,148 $ (915 ) $ 3,552 $ (3,615 ) $ (12 ) Foreign exchange risk – Cross-currency swaps 699 (1,080 ) (251 ) 251 – Equity price risk – Total return swaps 63           – 165 (165 )           – 2,910 (1,995 ) 3,466 (3,529 ) (12 ) Net Investment Hedges Foreign exchange risk – Cross-currency swaps – (4 ) (23 ) 19 (4 ) Foreign exchange risk – Deposit liabilities           – (16,353 ) (119 ) 119 – Total $ 2,910 $ (18,352 ) $ 3,324 $ (3,391 ) $ (16 ) 2023 Carrying amount of hedging instruments (1) Hedge ineffectiveness Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Cash Flow Hedges Interest rate risk – Interest rate swaps $ 693 $ (3,784 ) $ (1,543 ) $ 1,511 $ – Foreign exchange risk – Cross-currency swaps (3) 333 (1,801 ) (245 ) 245 – Equity price risk – Total return swaps – (43 ) (80 ) 80 –   1,026 (5,628 ) (1,868 ) 1,836 – Net Investment Hedges Foreign exchange risk – Cross-currency swaps – (8 ) 23 (22 ) 1 Foreign exchange risk – Deposit liabilities – (13,311 ) (485 ) 485 – Total $ 1,026 $   (18,947 ) $   (2,330 ) $   2,299 $    1 (1) Represents unrealized gains (losses) recorded as part of derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet. (2) Represents life to date amounts. (3) Includes derivatives entered into in relation to our acquisition of Bank of the West and its subsidiaries, which were settled upon completion of the transaction. Refer to Note 10 for further details. The following tables provide a reconciliation of the impacts of our cash flow hedges and net investment hedges in our Consolidated Statement of Comprehensive Income, on a pre-tax (Canadian $ in millions) 2024 Balance in cash flow hedge AOCI / Balance October 31, 2023 Gains / Amount reclassified to the hedged item affects Balance Active hedges Discontinued hedges Cash Flow Hedges Interest rate risk $ (8,015 ) $ 3,564 $ 1,971 $ (2,480 ) $ 1,695 $ (4,175 ) Foreign exchange risk             610 (251 ) (2 ) 357 357 – Equity price risk (72 ) 165 (16 ) 77 77 – (7,477 ) 3,478 1,953 (2,046 ) 2,129 (4,175 ) Net Investment Hedges Foreign exchange risk (2,186 ) (138 ) – (2,324 ) (2,324 ) – Total $    (9,663 ) $ 3,340 $ 1,953 $ (4,370 ) $ (195 ) $ (4,175 ) 2023 Balance in cash flow hedge AOCI / Balance October 31, 2022 Gains / Amount reclassified to the hedged item affects Balance Active hedges Discontinued hedges Cash Flow Hedges Interest rate risk $ (8,204 ) $ (1,543 ) $ 1,732 $ (8,015 ) $ (2,720 ) $ (5,295 ) Foreign exchange risk (3)    1,223 (245 ) (368 ) 610 610 – Equity price risk 33 (80 ) (25 ) (72 ) (72 ) – (6,948 ) (1,868 ) 1,339 (7,477 ) (2,182 ) (5,295 ) Net Investment Hedges Foreign exchange risk (1,723 ) (463 ) – (2,186 ) (2,186 ) – Total $ (8,671 ) $   (2,331 ) $   1,339 $   (9,663 ) $   (4,368 ) $ (5,295 ) (1) Tax balance related to cash flow hedges accumulated other comprehensive income was $527 (2) Tax balance related to net investment hedges accumulated other comprehensive income was $593 (3) On closing our acquisition of Bank of the West on February 1, 2023, we settled the foreign exchange forward contracts entered to mitigate foreign exch an an after-tax Fair Value Hedges Fair value hedges modify exposure to changes in a fixed rate instrument’s fair value caused by changes in interest rates. These hedges economically convert fixed rate assets and liabilities to floating rate. We use cross-currency swaps, interest rate swaps and bond futures to hedge foreign exchange risk and interest rate risk, including benchmark interest rates inherent in fixed rate securities, a portfolio of mortgages, deposits and subordinated debt and other liabilities. The carrying value of fixed rate assets or liabilities that are part of a hedging relationship is adjusted for the change in value of the risk being hedged. To the extent that the change in the fair value of the derivative does not offset changes in the fair value of the hedged item for the risk being hedged, the net amount (hedge ineffectiveness) is recorded directly in non-interest For fair value hedges that are discontinued, we cease adjusting the hedged item. The cumulative fair value adjustment of the hedged item is then amortized to net interest income over the hedged item’s remaining term to maturity. If the hedged item is sold or settled, the cumulative fair value adjustment is included in the gain or loss on sale or settlement. In our fair value hedge relationships, the main sources of ineffectiveness are our own credit risk on the fair value of the swap, and differences in terms such as fixed interest rate or reset/settlement frequency between the swap and the hedged item. The amounts related to derivatives designated as fair value hedging instruments, hedged items and hedge ineffectiveness for the years ended October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 Carrying amount of Hedge ineffectiveness Accumulated amount of fair value Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Carrying Active Discontinued Fair Value Hedge (3) Interest rate swaps $ 1,464 $ (1,589 ) $ – $ – $ – $ – $ – $ – Cross-currency swaps – (2 ) – – – – – – Securities and loans – – (3,266 ) 3,117 (149 ) 118,397 741 (1,293 ) Deposits, subordinated debt and other liabilities – – 1,234 (1,217 ) 17 (65,156 ) (214 ) 930 Total $  1,464 $ (1,591 ) $ (2,032 ) $ 1,900 $ (132 ) $ 53,241 $ 527 $ (363 ) (1) Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet. (2) Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value. (3) Includes the fair value of bond futures rounded down to $nil million as at October 31, 2024. 2023 Carrying amount of Hedge ineffectiveness Accumulated amount of fair value Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Carrying Active Discontinued hedges Fair Value Hedge (3) Interest rate swaps $  4,877 $ (1,390 ) $ – $ – $ – $ – $ – $ – Cross-currency swaps 69 (1 ) – – – – – – Securities and loans – – 4,071 (3,955 ) 116 87,043 (4,373 ) (404 ) Deposits, subordinated debt and other liabilities – –  (1,078 ) 1,139       61  (77,358 ) 1,015 1,867 Total $ 4,946 $  (1,391 ) $  2,993 $  (2,816 ) $  177 $ 9,685 $  (3,358 ) $  1,463 (1) Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our (2) Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value. (3) Includes the fair value of bond futures rounded down to $nil million as at October 31, 2023. Derivative-Related Market Risk Derivative instruments are subject to market risk arising from the potential for a negative impact on the balance sheet and/or statement of income due to adverse changes in the value of derivative instruments as a result of changes in certain market variables. These variables include interest rates, foreign exchange rates, credit spreads, equity and commodity prices and their implied volatilities. We strive to limit our exposure to market risk by employing comprehensive governance and management processes for all market risk-taking activities. Derivative-Related Credit Risk Derivative instruments are subject to credit risk arising from the possibility that counterparties may default on their obligations. The credit risk associated with a derivative normally represents an amount that is a small fraction of the notional amount of the derivative instrument. Derivative contracts generally expose us to potential credit loss if changes in market rates affect the counterparty’s position unfavourably and the counterparty defaults on payment. Credit risk is represented by the positive fair value of the derivative instrument. We strive to limit our exposure to credit risk by dealing with counterparties that we believe are creditworthy, and we manage our credit risk for derivatives using the same credit risk process that we apply to loans and other credit assets. We also pursue opportunities to reduce our exposure to credit losses on derivative instruments by securing collateral and entering into master netting agreements with counterparties. The credit risk associated with favourable contracts is mitigated by legally enforceable master netting agreements to the extent that unfavourable contracts with the same counterparty must be settled concurrently with favourable contracts. Exchange-traded derivatives have limited potential for credit risk exposure, as they are settled net daily with each exchange. Terms used in the credit risk tables below are as follows: Replacement cost Credit risk equivalent Risk-weighted assets (Canadian $ in millions) 2024 2023 Replacement Credit risk Risk-weighted Replacement Credit risk Risk-weighted Interest Rate Contracts Over-the-counter Swaps $ 2,404 $ 7,797 $ 1,125 $ 1,265 $ 5,133 $ 1,006 Forward rate agreements 650 2,696 600 571 2,219 471 Purchased options 42 338 188 45 174 61 Written options 2 211 78 1 140 77 3,098 11,042 1,991 1,882 7,666 1,615 Exchange-traded Futures 122 279 6 171 296 6 Purchased options 8 19 – 3 4 – Written options – 1 – – – – 130 299 6 174 300 6 Total interest rate contracts 3,228 11,341 1,997 2,056 7,966 1,621 Foreign Exchange Contracts (2) Over-the-counter Swaps 1,559 7,218 825 1,921 6,517 1,313 Forward foreign exchange contracts 2,709 9,643 1,764 2,300 9,296 1,908 Purchased options 142 447 142 149 448 129 Written options 1 119 27 2 118 39 4,411 17,427 2,758 4,372 16,379 3,389 Exchange-traded Futures – 1 – – – – Purchased options – 3 – 3 8 – Written options – – – – – – – 4 – 3 8 – Total foreign exchange contracts 4,411 17,431 2,758 4,375 16,387 3,389 Commodity Contracts Over-the-counter Swaps 993 4,256 1,035 468 1,957 683 Purchased options 155 484 182 4 280 110 Written options 10 246 86 47 331 106 1,158 4,986 1,303 519 2,568 899 Exchange-traded Futures 176 594 12 243 869 17 Purchased options 179 319 6 329 535 11 Written options – 73 1 3 83 2 355 986 19 575 1,487 30 Total commodity contracts 1,513 5,972 1,322 1,094 4,055 929 Equity Contracts Over-the-counter 199 8,625 1,645 684 8,274 2,123 Exchange-traded 675 2,899 58 1,640 4,635 93 Total equity contracts 874 11,524 1,703 2,324 12,909 2,216 Credit Contracts 103 309 39 446 1,093 81 Total $ 10,129 $ 46,577 $ 7,819 $ 10,295 $ 42,410 $ 8,236 (1) Replacement cost and credit risk equivalent are presented after the impact of master netting agreements and calculated using the Standardized Approach for Counterparty Credit Risk (SA-CCR) (2) Gold contracts are included in foreign

Premises and Equipment

Premises and Equipment	12 Months Ended
	Oct. 31, 2024
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Premises and Equipment	Note 9: Premises and Equipment We record all owned premises and equipment at cost less accumulated depreciation, and less any accumulated impairment, except land, which is recorded at cost. Buildings, computer equipment and operating system software, other equipment and leasehold improvements are depreciated on a straight-line basis over their estimated useful lives. When the major components of a building have different useful lives, they are accounted The maximum estimated useful lives we use to depreciate our assets are as follows: Buildings 10 to 40 years Computer equipment and operating system software 5 to 7 years Other equipment 10 years Leasehold improvements      Lease term to a maximum of 10 Depreciation methods, useful lives and the residual values of premises and equipment are reviewed annually for any change in circumstances and are adjusted if appropriate. At each reporting period, we review whether there are any indications that premises and equipment need to be tested for impairment. If there is an indication that an asset may be impaired, we test for impairment by comparing the asset’s carrying value to its recoverable amount. The recoverable amount is calculated as the higher of value in use and fair value less costs to sell. Value in use is the present value of the future cash flows expected to be derived from the asset. An impairment charge is recorded when the recoverable amount is less than the carrying value. There were no write-downs of premises and equipment during the years ended October 31, 2024 and 2023. Gains and losses on disposal are included in non-interest Leases When we enter into a new arrangement as a lessee, a right-of-use right-of-use The right-of-use right-of-use The lease liability accretes interest over the lease term, using the effective interest method, with the associated interest expense recognized in interest expense, other liabilities, in our Consolidated Statement of Income. We make estimates in determining the incremental borrowing rate that is used to discount lease liabilities, based on our expected costs of secured borrowing for the lease term. The lease term is based on the non-cancellable Amounts related to leases of low value are expensed when incurred in non-interest The total cost and associated accumulated depreciation for premises and equipment that we own or lease are set out below: (Canadian $ in millions) Land Buildings Computer Other Leasehold Right-of-use Total Cost Balance at October 31, 2022 $ 119 $ 1,688 $ 2,671 $ 945 $ 2,054 $ 3,435 $ 10,912 Additions/lease modifications 13 91 280 125 413 406 1,328 Acquisitions 213 276 63 12 25 523 1,112 Disposals (28 ) (26 ) (109 ) (30 ) (97 ) (60 ) (350 ) Foreign exchange and other 6 18 18 8 18 53 121 Balance at October 31, 2023 323 2,047 2,923        1,060        2,413 4,357 13,123 Additions/lease modifications – 81 270 117 352 171 991 Disposals (7 ) (41 ) (22 ) (11 ) (26 ) – (107 ) Fully depreciated assets – (32 ) (694 ) (257 ) (71 ) (96 ) (1,150 ) Foreign exchange and other 1 4 3 2 7 12 29 Balance at October 31, 2024 $ 317 $ 2,059 $ 2,480 $ 911 $ 2,675 $        4,444 $        12,886 Accumulated Depreciation and Impairment Balance at October 31, 2022 $ – $  1,188 $  2,007 $ 667 $ 1,270 $ 939 $ 6,071 Disposals – (25 ) (106 ) (29 ) (94 ) (50 ) (304 ) Depreciation – 70 306 65 169 412 1,022 Foreign exchange and other (1) – 5 21 1 11 55 93 Balance at October 31, 2023 – 1,238 2,228 704 1,356 1,356 6,882 Disposals – (29 ) (12 ) (8 ) (21 ) – (70 ) Depreciation – 64 261 76 167 402 970 Fully depreciated assets – (32 ) (694 ) (257 ) (71 ) (96 ) (1,150 ) Foreign exchange and other (1) – 1 (4 ) (6 ) 5 9 5 Balance at October 31, 2024 $ – $        1,242 $        1,779 $ 509 $ 1,436 $ 1,671 $ 6,637 Net Carrying Value Balance at October 31, 2024 $        317 $ 817 $ 701 $ 402 $  1,239 $  2,773 $ 6,249 Balance at October 31, 2023 323 809 695 356 1,057 3,001 6,241 (1) Includes impairment charges.

Acquisitions

Acquisitions	12 Months Ended
	Oct. 31, 2024
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Acquisitions	Note 10: Acquisitions The cost of an acquisition is measured at the fair value of the consideration transferred, including contingent consideration. Acquisition-related costs are recognized as an expense in the period in which they are incurred. The identifiable assets acquired and liabilities assumed and contingent consideration are measured at their fair values at the date of acquisition. Goodwill is measured as the excess of the aggregate of the consideration transferred over the net of the fair value of identifiable assets acquired and liabilities assumed. The results of operations of acquired businesses are included in our consolidated financial statements beginning on the date of acquisition. AIR MILES Reward Program On June 1, 2023, we completed the acquisition of the AIR MILES Reward Program (AIR MILES) business of LoyaltyOne Co., a subsidiary of Loyalty Ventures Inc., pursuant to a process under the Companies’ Creditors Arrangement Act We acquired intangible assets of $151 million and goodwill of $233 million. Customer relationship and software intangible assets are amortized to income over 5 to 14 years. The trade name intangible asset has an indefinite life and is not amortized to income. A portion of the goodwill related to this acquisition is deductible for tax purposes. The fair values of the assets acquired and liabilities assumed at the d ate (Canadian $ in millions)                                                June 1, 2023 Securities $         668 Goodwill and intangible assets 384 Other assets 141 Total assets        1,193 Deferred revenue (1) 916 Other liabilities 64 Total liabilities 980 Purchase price $         213 (1) Deferred revenue reflects our obligation to fulfill the redemption of miles that were outstanding at the acquisition date and is included in other liabilities in our Consolidated Balance Sheet. The purchase price allocation for AIR MILES has been completed. Bank of the West On February 1, 2023, we completed the acquisition of Bank of the West, including its subsidiaries, from BNP Paribas for a cash purchase price of US$13.8 billion (CAD$18.4 billion). Bank of the West provides a broad range of banking products and services primarily in the Western and Midwestern regions of the United States. The merger enables BMO’s market extension in Bank of the West’s primary markets, including California, and accelerates BMO’s commercial banking expansion. The acquisition has been reflected in our results as a business combination, primarily in the U.S. Personal and Commercial Banking (U.S. P&C) and BMO WM reporting segments. As part of the acquisition, we acquired a 51% interest in Bank of the West’s subsidiary, CLAAS Financial Services, LLC, which provides lease and loan financing to commercial entities acquiring agricultural equipment. We control this LLC and its results are included in our consolidated financial statements. We have recorded the ownership interests of the other partners in CLAAS Financial Services, LLC as non-controlling We acquired intangible assets of $2,883 million and goodwill of $10,582 million. Core-deposit and customer relationship intangible assets are being amortized to income over the period during which we believe the assets will benefit us, on an accelerated basis, over a period not to exceed 15 years. Goodwill consists l arge We recorded the assets acquired and liabilities assumed at fair value as at the date of acquisition, as shown in the table below. (Canadian $ in millions) February 1, 2023 Purchase consideration $ 18,382 Impact of forward contracts (1) (269 ) Net purchase consideration 18,113 Fair value of identifiable assets acquired Securities 28,437 Loans Residential mortgages 11,912 Consumer instalment and other personal 20,268 Credit cards 885 Business and government 43,418 Total loans 76,483 Other assets (2) 9,152 Intangible assets 2,883 Total fair value of identifiable assets acquired 116,955 Fair value of identifiable liabilities assumed Deposits 91,711 Other liabilities (2) 17,697 Total fair value of identifiable liabilities assumed 109,408 Non-controlling 16 Goodwill 10,582 Net purchase consideration $ 18,113 (1) To mitigate changes in the Canadian dollar equivalent of the purchase price between our announcement of the acquisition and its closing, we entered into forward contracts, which qualified for hedge accounting. Changes in the fair value of these forward contracts of $ 269 (after-tax) were (2) The net deferred tax asset recorded in the opening balance sheet was 1,273 The purchase price allocation for Bank of the West has been completed. The accounting for purchased loans, including the initial PCL, is discussed in Note 4. In 2023, Bank of the West contributed revenue of $3,143 million and net income of $361 million to our consolidated results. Net income of $361 million excludes the initial PCL of $705 million ($517 million after-tax) after-tax). Impact of Fair Value Management Actions The fair value of fixed rate loans, securities and deposits is largely dependent on interest rates. As interest rates increased between our announcement of the acquisition and close, the fair value of the acquired fixed rate instruments (in particular loans, securities and deposits) decreased, resulting in goodwill on closing that was higher than our estimates on the announcement date. Conversely, the fair value of floating rate assets (liabilities) and non-maturity Upon announcement of the agreement to acquire Bank of the West, we entered into pay fixed/receive float interest rate swaps and purchased a portfolio of matched duration U.S. Treasuries and other balance sheet instruments to economically hedge the impact of changes in interest rates on our capital ratios at close. We recorded net interest income and mark-to-market non-interest On close, we placed the majority of these U.S. Treasuries and other balance sheet instruments, which were in an unrealized loss position, in fair value hedge relationships with new pay fixed/receive float interest rate swaps. The fair value hedges, coupled with other actions taken to manage our interest rate risk profile to its target position, crystallized a $5.7 billion loss on these instruments, which will be recognized as a reduction in interest income over their remaining life through accounting for the new fair value hedges. The fair values of the loans, securities and deposits we acquired were below par. This discount will accrete to interest income in our Consolidated Statement of Income over the remaining terms of these instruments. More information on the purchased loans is included in Note 4. Leasing Solutions Canada Inc. On February 1, 2023, we acquired Leasing Solutions Canada Inc. from BNP Paribas. The acquisition was reflected in our results beginning in the second quarter of 2023 as a business combination, in the Canadian P&C reporting segment , Radicle Group Inc. On December 1, 2022, we completed the acquisition of Radicle Group Inc. (Radicle), a Calgary-based leader in sustainability advisory services and solutions, and technology-driven emissions measurement and management, for 1.2 million BMO common shares with a total value of $153 million plus cash consideration of $42 million. The acquisition was accounted for as a business combination, and the acquired business and corresponding goodwill are included in our BMO CM reporting segment. We acquired intangible assets of $60 million and goodwill of $85 million. The intangible assets are being amortized over 3 to 15 years. Goodwill related to this acquisition is not deductible for tax purposes. The fair values of the assets acquired and liabilities assumed at the date of acquisition were as follows: (Canadian $ in millions) December 1, 2022 Goodwill and intangible assets $ 145 Other assets 85 Total assets 230 Liabilities 35 Purchase price $         195 The purchase price allocation for Radicle has been completed.

Goodwill and Intangible Assets

Goodwill and Intangible Assets	12 Months Ended
	Oct. 31, 2024
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Goodwill and Intangible Assets	Note 11: Goodwill and Intangible Assets Goodwill When we complete an acquisition, we allocate the purchase price to the assets acquired, including identifiable intangible assets, and the liabilities assumed. Any portion of the consideration transferred that is in excess of the fair value of those net assets is considered to be goodwill. Goodwill is not amortized and is instead tested for impairment annually. In performing the impairment test, we utilize fair value less costs to sell for each group of CGUs based on discounted cash flow projections The key assumptions described above may change as market and economic conditions change. However, we estimate that reasonably possible changes in these assumptions are not expected to cause the recoverable amounts of our CGUs to decline below their carrying amounts A continuity of our goodwill by group of CGUs for the years ended O ctobe (Canadian $ in millions) Personal and Commercial Banking BMO Wealth Management BMO Capital Markets Total Canadian U.S. P&C Total Wealth and Asset Insurance Total Balance at October 31, 2022 $ 97 $ 3,929 $ 4,026 $ 822 $        2 $ 824 $          435 $ 5,285 Acquisitions (1)    233 10,345 10,578 237 – 237 85 10,900 Foreign exchange and other – 515 515 20 – 20 8 543 Balance at October 31, 2023 330   14,789   15,119     1,079 2    1,081 528   16,728 Foreign exchange and other – 43 43 2 – 2 1 46 Balance at October 31, 2024 $ 330 $ 14,832 $ 15,162 $ 1,081 $ 2 $ 1,083 $ 529 $ 16,774 (1) Refer to Note 10 for further information. Intangible Assets Intangible assets related to our acquisitions are initially recorded at fair value at the acquisition date and subsequently at cost less accumulated amortization. Software is recorded at cost less accumulated amortization. Amortization expense is recorded in amortization of intangible assets in our Consolidated Statement of Income. The total cost and associated accumulated amortization of our intangible assets are set out below: (Canadian $ in millions) Customer Core deposits Software – Software under Other Total Cost Balance at October 31, 2022 $        521 $ 978 $ 6,237 $ 259 $ 322 $ 8,317 Additions – – 58 739 33 830 Acquisitions (1) 311 2,453 103 – 227 3,094 Transfers – – 672      (672 ) – – Fully amortized intangibles – – (29 ) – (21 ) (50 ) Foreign exchange and other 18 122 30 (2 ) 11 179 Balance at October 31, 2023 850 3,553 7,071 324 572 12,370 Additions – – 22 782 48 852 Transfers – – 688 (688 ) – – Fully amortized intangibles – – (1,696 ) – (33 ) (1,729 ) Foreign exchange and other 2 10 11 (1 ) 1 23 Balance at October 31, 2024 $ 852 $ 3,563 $ 6,096 $ 417 $ 588 $ 11,516 Accumulated Amortization Balance at October 31, 2022 $ 435 $ 978 $ 4,422 $ – $ 289 $ 6,124 Amortization 44 291 646 – 27 1,008 Write-downs – – 9 – – 9 Fully amortized intangibles – – (29 ) – (21 ) (50 ) Foreign exchange and other 8 26 25 – 4 63 Balance at October 31, 2023 487 1,295 5,073 – 299 7,154 Amortization 62 342 676 – 32 1,112 Write-downs 4 – 22 – – 26 Fully amortized intangibles – – (1,696 ) – (33 ) (1,729 ) Foreign exchange and other 3 10 15 – – 28 Balance at October 31, 2024 $ 556 $       1,647 $      4,090 $ – $      298 $      6,591 Net Carrying Value Balance at October 31, 2024 $ 296 $ 1,916 $ 2,006 $ 417 $ 290 $ 4,925 Balance at October 31, 2023 363 2,258 1,998 324 273 5,216 (1) Refer to Note 10 for further information. (2) Includes internally generated software of $5,466 million in cost and $3,653 million in accumulated amortization as at October 31, 2024 ($6,172 million in cost and $4,420 million in accumulated amortization as at October 31, 2023). Intangible assets are amortized to income over the period during which we believe the assets will benefit us, on either a straight-line or an accelerated basis, over a period not to exceed 15 years. We have $228 million as at October 31, 2024 ($227 million as at October 31, 2023) of The useful lives of intangible assets are reviewed annually for any changes in circumstances. We test definite-life intangible assets for impairment when events or changes in circumstances indicate that their carrying value may not be recoverable. Indefinite-life intangible assets are tested annually for impairment. If any intangible assets are determined to be impaired, we write them down to their recoverable amount, the higher of value in use and fair value less costs to sell.

Other Assets

Other Assets	12 Months Ended
	Oct. 31, 2024
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Other Assets	Note 12: Other Assets Customers’ Liability Under Acceptances Acceptances represent a form of negotiable short-term debt issued by our customers, which we guarantee for a fee. The fees earned are recorded in non-interest Other The components of other within other assets are as follows (Canadian $ in millions) 2024 2023 Accounts receivable, prepaid expenses and other items $        3,832 $ 5,806 Accrued interest receivable 4,463 4,097 Bank owned life insurance policies 6,350 6,306 Leased vehicles, net of accumulated amortization 67 124 Cash collateral 9,419 9,939 Investments in associates and joint ventures 1,727 1,461 Insurance-related assets (1) 5,748 4,066 Other employee future benefits assets (Note 22) 44 81 Pension asset (Note 22) 1,252 1,225 Precious metals (2) 9,485 4,701 Total $ 42,387 $     37,806 (1) Includes $1,363 million of investment properties ($1,326 million as at October 31, 2023) carried at fair value. These investment properties support our insurance contract liabilities. The fair value is determined by external independent property valuers and categorized as Level 3 (refer to Note 18 for further information on fair value levels) using models with unobservable market inputs. (2) Precious metals are recorded at fair value based on quoted prices in active markets. Changes in fair value are Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Investments in Associates and Joint Ventures Investments in associates and joint ventures are accounted for using the equity method of accounting. Investments in associates are those in which we exert significant influence over operating and financing decisions, generally companies in which we own between non-interest

Deposits

Deposits	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Deposits	Note 13: Deposits Payable on demand (Canadian $ in millions) Interest bearing Non-interest Payable Payable on 2024 2023 Amortized cost deposits by: Banks (4) $ 4,302 $ 1,945 $ 1,584 $ 24,715 $ 32,546 $ 29,080 Business and government 70,630 41,740 209,747 252,902 575,019 548,068 Individuals 3,567 34,675 140,742 141,783 320,767 297,886 Total amortized cost deposits 78,499 78,360 352,073 419,400 928,332 875,034 Deposits at FVTPL – – – 54,108 54,108 35,845 Total (5) $ 78,499 $ 78,360 $ 352,073 $ 473,508 $ 982,440 $ 910,879 Booked in: Canada $ 66,676 $ 66,417 $ 148,164 $ 336,884 $ 618,141 $ 564,412 United States 11,753 11,942 201,844 88,527 314,066 301,064 Other countries 70 1 2,065 48,097 50,233 45,403 Total $ 78,499 $ 78,360 $ 352,073 $ 473,508 $   982,440 $     910,879 (1) Includes $44,617 million of non-interest (2) Includes $65,986 million of senior unsecured debt as at October 31, 2024 subject to the Bank Recapitalization (Bail-In) Bail-In non-viable. (3) We have unencumbered liquid assets of $396,338 million as at October 31, 2024 to support these and other deposit liabilities ($360,213 million as at October 31, 2023). (4) Includes regulated and central banks. (5) Included in deposits as at October 31, 2024 and 2023 are $521,160 million and $492,404 million, respectively, of deposits denominated in U.S. dollars, and $54,397 million and $55,705 million, respectively, of deposits denominated in other foreign currencies. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Deposits are measured at amortized cost, except structured notes, money mar ket d comprise • Various investment instruments purchased by our customers to earn interest over a fixed period, such as retail and small business term deposits, wholesale funding and guaranteed investment certificates. Deposits totalling $29,136 million as at October 31, 2024 ($30,852 million as at October 31, 2023) can be redeemed early, either fully or partially, by customers without penalty. These are classified as payable on a fixed date, based on their remaining contractual maturities. • Commercial paper, which totalled $51,500 million as at October 31, 2024 ($52,884 million as at October 31, 2023).   • Covered bonds, which totalled $26,957 million as at October 31, 2024 ($28,400 million as at October 31, 2023). The following table presents deposits payable on a fixed date and greater than one hundred thousand dollars: (Canadian $ in millions) Canada United States Other Total As at October 31, 2024 $ 285,555 $ 77,313 $ 48,086 $ 410,954 As at October 31, 2023        269,262         73,226         43,106     385,594 The following table presents the maturity schedule for deposits payable on a fixed date and greater than one hundred thousand dollars, that are booked in Canada: (Canadian $ in millions) Less than 3 months 3 to 6 months 6 to 12 months Over 12 months Total As at October 31, 2024 $        63,442 $     33,704 $      62,674 $      125,735 $   285,555 As at October 31, 2023 55,070        38,509         61,370        114,313     269,262 Deposits Designated at FVTPL Our deposits designated at FVTPL include structured note liabilities, money market and metals deposits. This designation aligns the accounting result with the way the portfolio is managed. We also include the value of embedded options related to certain structured deposits which are carried at amortized cost. The change in fair value of these deposits is recorded in non-interest (Canadian $ in millions) Fair value Notional amount Difference Change in fair value - gains (losses) recorded Change in fair value - Cumulative change in fair value - gains due to own As at October 31, 2024 $    54,108 $      56,300 $        (2,192 ) $         (4,815 ) $         (841 ) $ 24 As at October 31, 2023 35,845 42,973 (7,128 ) 1,692 (379 )          865 (1) Change in fair value may be offset by related change in fair value on hedge contracts.

Other Liabilities

Other Liabilities	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Other Liabilities	Note 14: Other Liabilities Acceptances Acceptances represent a form of negotiable short-term debt that is issued by our customers, which we guarantee for a fee. The fees earned are recorded in non-interest Securities Sold But Not Yet Purchased Securities sold but not yet purchased represent our obligations to deliver securities that we did not own at the time of sale. These obligations are recorded at their fair value. Adjustments to fair value as at the balance sheet date and gains and losses on the settlement of these obligations are recorded in non-interest Securities Lending and Borrowing Securities lending and borrowing transactions are generally collateralized by securities or cash. Cash advanced or received as collateral is recorded in securities borrowed or purchased under resale agreements, or in other liabilities, securities lent or sold under repurchase agreements, respectively, in our Consolidated Balance Sheet. Interest earned on cash collateral is recorded in interest, dividend and fee income, in our Consolidated Statement of Income, and interest expense on cash collateral is recorded in interest expense, securities sold but not yet purchased and securities lent or sold under repurchase agreements, in our Consolidated Statement of Income. The transfer of the securities to counterparties is only reflected in our Consolidated Balance Sheet if the risks and rewards of ownership have also been transferred. Securities borrowed are not recognized in our Consolidated Balance Sheet unless they are then sold to third parties, in which case the obligation to return the securities is recorded at fair value in securities sold but not yet purchased, with any gains or losses recorded in non-interest Securitization and Structured Entities’ Liabilities Securitization and structured entities’ liabilities include notes issued by our consolidated bank securitization vehicles and liabilities associated with the securitization of our Canadian mortgage loans as part of the Canada Mortgage Bond program, the NHA MBS program and our own programs. Additional information on our securitization programs and associated liabilities is provided in Notes 6 and 7. These liabilities are initially measured at fair value plus any directly attributable costs and are subsequently measured at amortized cost. The interest expense related to these liabilities is recorded in interest expense, other liabilities, in our Consolidated Statement of Income. Other The components of other within other liabilities are as follows (Canadian $ in millions) 2024 2023 Accounts payable, accrued expenses and other items $       11,311 $ 11,999 Accrued interest payable 6,468 5,299 ACL on off-balance 580 460 Cash collateral 6,414 6,406 Credit card loyalty rewards 1,465 1,432 Current tax liabilities 470 44 Deferred tax liabilities (Note 23) 1 16 Lease liabilities 3,326 3,506 Liabilities of subsidiaries 5,633 18,120 Other employee future benefits liability (Note 22) 863 823 Pension liability (Note 22) 189 179 Total $ 36,720 $        48,284 Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Credit Card Loyalty Rewards We earn interchange fees on our proprietary cards and fees on our AIR MILES business. We defer the fees related to our obligation to fulfill redemption of rewards/miles and record them in other liabilities, other, in our Consolidated Balance Sheet. We recognize these fees in non-interest Lease Liabilities When we enter into leases we record lease liabilities representing the present value of future lease payments over the lease term. Interest expense recorded on lease liabilities for the year ended October 31, 2024 was $110 million ($92 million in 2023). Total cash outflow for lease liabilities for the year ended October 31, 2024 The maturity profile of our undiscounted lease liabilities is $407 million for 2025, $437 million for 2026, $423 million for 2027, $395 million for 2028 , million

Insurance

Insurance	12 Months Ended
	Oct. 31, 2024
Insurance service result [abstract]
Insurance	Note 15: Insurance Insurance Results Insurance results are presented in non-interest non-interest nt Insurance service results in our Consolidated Statement of Income are as follows: (Canadian $ in millions) 2024 2023 Insurance revenue $ 1,767 $         1,587 Insurance service expenses (1,330 ) (1,080 ) Net expenses from reinsurance contracts (97 ) (118 ) Insurance service results $        340 $ 389 Insurance investment results in our Consolidated Statement of Income are as follows: (Canadian $ in millions) 2024 2023 Investment return $ 2,320 $ 285 Insurance finance (expense) from insurance and reinsurance contracts held (2,098 ) (127 ) Movement in investment contract liabilities (117 ) 13 Insurance investment results $        105 $          171 Insurance Contract Liabilities We are engaged in insurance businesses related to life insurance and annuities, which include pension risk, accident and sickness, creditor insurance and reinsurance. Insurance contract liabilities represent groups of contracts with similar risks, written in the same fiscal year and with similar expected profitability. These groups of contracts are measured based on our estimates of the present value of cash flows that are expected to arise as we fulfill the contracts, an explicit risk adjustment for non-financial Insurance contract liabilities by remaining coverage and incurred claims comprise (Canadian $ in millions) 2024 2023 Liabilities for Liabilities for Total Liabilities for Liabilities for Total Insurance contract liabilities, beginning of year $        13,114 $        235 $     13,349 $ 11,850 $ 267 $ 12,117 Insurance service results (1,448 ) 1,101 (347 ) (1,403 ) 979 (424 ) Net finance expenses from insurance contracts 2,206 – 2,206 179 – 179 Total cash flows 3,176 (1,136 ) 2,040 2,488     (1,013 ) 1,475 Other changes in the net carrying amount of the insurance contract (1 ) 1 – – 2 2 Insurance contract liabilities, end of year (1) $ 17,047 $ 201 $ 17,248 $        13,114 $ 235 $     13,349 (1) The liabilities for incurred claims relating to insurance contracts in our creditor and reinsurance business were $115 million as at October 31, 2024 and $131 million as at October 31, 2023. CSM from contracts issued for the year ended October 31, 2024 was $107 million ($73 million in 2023). Total CSM as at October 31, 2024 was $1,550 million ($1,689 million as at October 31, 2023). This excludes the impact of any reinsurance held, which is not significant to the bank. Onerous contract losses for the years ended October 31, 2024 and 2023 were not material. We use the following rates to discount fulfilment cash flows of our insurance contracts, which are based on a risk-free yield adjusted for an illiquidity premium that reflects the liquidity characteristics of the liabilities: Portfolio duration: 2024 2023 1 year    4.16%     6.10% 3 years 4.17% 5.83% 5 years 4.35% 5.69% 10 years 4.82% 5.82% 20 years 5.15% 5.85% 30 years 4.98% 5.81% Ultimate 5.00% 5.00% Investment Contract Liabilities Investment contracts include products that do not involve the transfer of significant insurance risk, either at inception or during the life of the investment contract. These products are limited to certain structured settlements and term annuities that provide income for a specified period of time. We designate the obligations related to certain investment contracts in our insurance businesses at FVTPL, 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 change in fair value of these investment contract liabilities is recorded in non-interest non-interest results totalled October million The following table presents the fair value and changes in fair value in our investment contract liabilities measured at FVTPL: (Canadian $ in millions) Fair value Notional amount due at Difference Change in fair value - Change in fair value - Cumulative change in fair As at October 31, 2024 $      796 $      1,336 $      (540 ) $      (86 ) $     (34 ) $      (26 ) As at October 31, 2023 708 1,397 (689 ) 42 (15 ) 8 In addition to the insurance contract and investment contract liabilities noted above, we have recorded $579 million as at October 31, 2024 ($401 million as at October 31, 2023) in insurance-related liabilities in our Consolidated Balance Sheet, primarily made up of reinsurance contract liabilities.

Subordinated Debt

Subordinated Debt	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Subordinated Debt	Note 16: Subordinated Debt Subordinated debt represents our direct unsecured obligations to our debt holders, in the form of notes and debentures, and forms part of our regulatory capital. Subordinated debt is recorded at amortized cost using the effective interest rate method. Where appropriate, we enter into fair value hedges to hedge the risks caused by changes in interest rates (refer to Note 8). The rights of the holders of our notes and debentures are subordinate to the claims of depositors and certain other creditors. We require approval from OSFI before we can redeem any part of our subordinated debt. The face values, terms to maturity and carrying values of our subordinated debt are as follows: (Canadian $ in millions, except as noted) Face value Maturity date Interest rate (%) Reset premium (%) Redeemable at our option (2) 2024 2023 Total Debentures Series 20 $  150 December 2025 to 2040 8.25 na Not redeemable $    147 $ 147 3.803% Subordinated Notes due 2032 (1) US$1,250 December 2032 3.80 1.43 (3) December 2027 1,602 1,510 Series J Medium-Term Notes, First Tranche (1) $1,000 September 2029 2.88 na (4) September 2024 – 999 Series J Medium-Term Notes, Second Tranche (1) $1,250 June 2030 2.08 na (4) June 2025 1,237 1,248 Series K Medium-Term Notes, First Tranche (1) $1,000 July 2031 1.93 na (4) July 2026 992 988 3.088% Subordinated Notes due 2037 (1) US$1,250 January 2037 3.09 1.40 (6) January 2032 1,466 1,439 Series L Medium-Term Notes, First Tranche (1) $  750 October 2032 6.53 2.70 (7) October 2027 732 749 Series M Medium-Term Notes, First Tranche (1) $1,150 September 2033 6.03 2.02 (7) September 2028 1,202 1,148 Series M Medium-Term Notes, Second Tranche (1) $1,000 July 2034 4.98 1.63 (7) July 2029 (8) 999 – Total ( 9 $ 8,377 $  8,228 (1) These notes include a NVCC provision, which is necessary for notes issued after a certain date to qualify as regulatory capital under Basel III. As such, they are convertible into a variable number of our common shares if OSFI announces that the bank is, or is about to become, non-viable non-viability. (2) Redeemable at par with accrued and unpaid interest to and excluding the redemption date. (3) Interest rate will reset at a rate equal to the 5-year mid-swap (4) Interest rate will reset at a rate determined in accordance with (5) All $1,000 million 2.88% Series J Medium-Term Notes (NVCC ), (6) Interest rate will reset at a rate equal to the 5-year (7) Interest rate will reset at a rate equal to the Canadian Overnight Repo Rate Average (CORRA) plus the reset premium noted. (8) On July 3, 2024, we issued $1,000 million of unsecured subordinated debt through our Canadian Medium-Term Note program. These notes are redeemable at par on July 3, 2029 together with accrued and unpaid interest to, but excluding, the redemption date. (9) Certain amounts of subordinated debt were issued at a premium or discount and include fair value hedge adjustments, which together decreased their carrying value as at October 31, 2024 by $400 million (decreased by $539 million in 2023). Refer to Note 8 for further details on hedge adjustments. The carrying value is also adjusted for our subordinated debt holdings, held for market-making purposes. na – not applicable The aggregate remaining maturities of our subordinated debt, based on Off-Balance

Equity

Equity	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Equity	Note 17: Equity Preferred and Common Shares Outstanding and Other Equity Instruments (Canadian $ in millions, except as noted) 2024 2023 Number of shares Amount Dividends declared Number of shares Amount Dividends declared Preferred Shares – Classified as Equity Class B – Series 27 (1) – $ – $         0.48  20,000,000 $ 500 $ 0.96 Class B – Series 29 (2) – – 0.68 16,000,000 400 0.91 Class B – Series 31 (3) 12,000,000 300 0.96 12,000,000 300 0.96 Class B – Series 33 8,000,000 200 0.76 8,000,000 200 0.76 Class B – Series 44 16,000,000 400 1.70 16,000,000 400 1.21 Class B – Series 46 (1) – – 0.64 14,000,000 350 1.28 Class B – Series 50 500,000 500 73.73 500,000 500 73.73 Class B – Series 52 650,000 650 70.57 650,000 650        57.52 Preferred Shares – Classified as Equity $ 2,050 $ 3,300 Other Equity Instruments 4.800% Additional Tier 1 Capital Notes (AT1 Notes) $ 658 $ 658 4.300% Series 1 LRCNs 1,250 1,250 5.625% Series 2 LRCNs 750 750 7.325% Series 3 LRCNs 1,000 1,000 7.700% Series 4 LRCNs (4) 1,356 – 7.300% Series 5 LRCNs (5) 1,023 – Other Equity Instruments $ 6,037 $ 3,658 Preferred Shares and Other Equity Instruments $ 8,087 $ 6,958 Common Shares Balance at beginning of year 720,909,161 $    22,941 677,106,878 $    17,744 Issued under the Shareholder Dividend 7,790,724 905 13,482,314 1,609 Issued under the Stock Option Plan and (Note 21) 811,652 74 724,853 61 Treasury shares sold 18,339 1 101,178 14 Issued to align capital position with increased – – 28,331,227 3,360 Issued for acquisitions (Note 10) – – 1,162,711 153 Balance at End of Year (6) 729,529,876 $ 23,921 $ 6.12 720,909,161 $    22,941 $ 5.80 (1) Series 27 and Series 46 were redeemed and final dividends were paid on May 25, 2024. (2) Series 29 was redeemed and final dividends were paid on August 25, 2024. (3) Series 31 was redeemed and final dividends were paid on November 25, 2024. (4) On March 8, 2024, we issued Series 4 LRCNs for US$1,000 million. (5) On July 17, 2024, we issued Series 5 LRCNs for US$750 million. (6) Common shares are net of 55,172 treasury shares as at October 31, 2024 (73,511 treasury shares as at October 31, 2023). Preferred Share Rights and Privileges (Canadian $, except as noted) Redemption amount Non-cumulative dividend (1) Reset premium Date redeemable / convertible Convertible to Class B – Series 31 25.00 $   (2) 2.22% November 25, 2024   (3) Class B – Series 32   Class B – Series 33 25.00 $   (2) 2.71% August 25, 2025   (4) (5) Class B – Series 34   (6) (7) Class B – Series 44 25.00 $   (2) 2.68% November 25, 2028   (4) (5) Class B – Series 45   (6) (7) Class B – Series 50 1,000.00 $36.865000   (2) 4.25% November 26, 2027   (4) Not convertible   (7) Class B – Series 52 1,000.00 $35.285000   (2) 4.25% May 26, 2028   (4) Not convertible   (7) (1) Non-cumulative (2) The dividend rate will reset on the date redeemable and every five years thereafter at a rate equal to the 5-year 3-month (3) Series 31 was redeemed and final dividends were paid on November 25, 2024. (4) Redeemable on the date noted and every five years thereafter. (5) Convertible on the date noted and every five years thereafter if not redeemed. If converted, the shares will become floating rate preferred shares. (6) If converted, the holders have the option to convert back to the original preferred shares on subsequent redemption dates. (7) The shares issued include a NVCC provision, which is necessary for the shares to qualify as regulatory capital under Basel III. Refer to the Non-Viability On November 25, 2024, we redeemed all of our outstanding 12 million Non-Cumulative 5-year Non-Cumulative 5-year Non-Cumulative 5-year 500 , and Non-Cumulative 5-year On October 19, 2023, we announced that we did not intend to exercise our right to redeem the outstanding Non-Cumulative 5-Year one-for-one Non-Cumulative is Other Equity Instruments On July 17, 2024, we issued US comprise Non-Cumulative 5-Year Non-Cumulative 5-Year Non-Cumulative 5-Year Non-Cumulative 5-Year Non-Cumulative 5-Year The US$500 million 4.800% AT1 Notes (NVCC) are also classified as equity and form part of our Additional Tier 1 Capital. The AT1 Notes and LRCNs are compound financial instruments that have both equity and liability features. On the date of issuance, we assigned an insignificant value to the liability components of both types of instruments and, as a result, the full amount of proceeds has been classified as equity and forms part of our additional Tier 1 NVCC. Distributions on the AT1 Notes and LRCNs are recognized as a reduction in equity when payable. The AT1 Notes and LRCNs are subordinate to the claims of the depositors and certain other creditors in right of payment. The following table shows the details of our AT1 Notes and LRCNs as at October 31, 2024 and 2023. (Canadian $ in millions, except as noted) 2024 2023 Face value Interest rate (%) Redeemable at our option Convertible to Total Total 4.800% AT1 Notes US$  500 6.709 (1) February 2025 (2) Variable number of common shares (3) $   658 $ 658 4.300% Series 1 LRCNs $1,250 4.300 (4) November 2025 (2) Variable number of common shares (3) (4)   1,250 1,250 5.625% Series 2 LRCNs $  750 5.625 (4) May 2027 (2) Variable number of common shares (3) (4) 750 750 7.325% Series 3 LRCNs $1,000 7.325 (4) November 2027 (2) Variable number of common shares (3) (4) 1,000 1,000 7.700% Series 4 LRCNs US$1,000 7.700 (4) May 2029 (2) Variable number of common shares (3) (4) 1,356 – 7.300% Series 5 LRCNs US$  750 7.300 (4) November 2034 (2) Variable number of common shares (3) (4) 1,023 – Total $ 6,037 $   3,658 (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 any interest payment date on or after the first interest reset date 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 NVCC provision, which is necessary for the notes to qualify as regulatory capital under Basel III. Refer to the Non-Viability (4) Non-deferrable Non-payment Authorized Share Capital We classify financial instruments that we issue as financial liabilities, equity instruments or compound instruments. Financial instruments that will be settled by a variable number of our common shares upon conversion by the holders are classified as liabilities in our Consolidated Balance Sheet. Dividends and interest payments on financial liabilities are classified as interest expense in our Consolidated Statement of Income. Financial instruments are classified as equity instruments when there is no contractual obligation to transfer cash or other financial assets. Issued instruments that are not mandatorily redeemable, or that are not convertible into a variable number of our common shares at the holder’s option, are classified as equity and presented in share capital. Dividend payments on equity instruments are recognized as a reduction in equity. Common Shares We are authorized by our shareholders to issue an unlimited number of our common shares, without par value, for unlimited consideration. Our common shares are not redeemable or convertible. Dividends are declared by our Board of Directors at their discretion. Historically, the Board of Directors has declared dividends on a quarterly basis and the amount can vary from quarter to quarter. Preferred Shares We are authorized by our shareholders to issue an unlimited number of Class A Preferred Shares and Class B Preferred Shares, without par value, in series, for unlimited consideration. Class B Preferred Shares may be issued in a foreign currency. Treasury Shares When we purchase our common shares as part of our trading business, we record the cost of those shares as a reduction in shareholders’ equity. If those shares are resold at a price higher than their cost, the premium is recorded as an increase in contributed surplus. If those shares are resold at a price below their cost, the discount is recorded as a reduction first to contributed surplus and then to retained earnings for any amount in excess of the total contributed surplus related to treasury shares. Non-Viability Our preferred shares, AT1 Notes and LRCNs, by virtue of the recourse to the preferred shares held in the consolidated trusts, include non-viable non-viability. Normal Course Issuer Bid We did not establish a normal course issuer bid (NCIB) in the current fiscal year. On December 5, 2024, we announced our intention to establish an NCIB for up to 20 million common shares, subject to the approval of OSFI and the Toronto Stock Exchange. The NCIB is a regular part of our capital management strategy. Once approvals are obtained, the share repurchase program will permit us to purchase BMO common shares for the purpose of cancellation. The timing and amount of purchases under the Share Redemption and Dividend Restrictions OSFI must approve any plan to redeem any of our preferred share issues or other equity instruments for cash. We are prohibited from declaring dividends on our preferred or common shares when we would be, as a result of paying such a dividend, in contravention of the capital adequacy, liquidity or any other regulatory directive issued under the Bank Act (Canada) In addition, if the bank does not pay the interest in full on the AT1 Notes, the bank will not declare dividends on its common shares or preferred shares, or redeem, purchase or otherwise retire such shares, until the month commencing after the bank resumes full interest payments on the AT1 Notes. Currently, these limitations do not restrict the payment of dividends on common or preferred shares. Shareholder Dividend Reinvestment and Share Purchase Plan We offer a Shareholder Dividend Reinvestment and Share Purchase Plan (the DRIP) for our shareholders. Participation in the DRIP is optional. Under the terms of the DRIP, cash dividends on common shares are reinvested to purchase additional common shares. Shareholders also have the opportunity to make optional cash payments to acquire additional common shares. In the first and second quarters of 2024, common shares under the DRIP were issued by the bank from treasury with a % discount, calculated in accordance with the terms of the DRIP common shares under the DRIP in for the year ended October 31, 2023). In the third and fourth quarters of 2024 and until further notice, common shares under the DRIP Potential Share Issuances As at October 31, 2024, we had reserved 39,864,838 common shares ( DRIP ( Non-Controlling Non-controlling October 31, 2023). Refer to Note 10 for further i nformation.

Fair Value Measurements and Tra

Fair Value Measurements and Trading-Related Revenue	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Fair Value Measurements and Trading-Related Revenue	Note 18: Fair Value Measurements and Trading-Related Revenue We record assets and liabilities held for trading, assets and liabilities designated at fair value, derivatives, certain equity and debt securities and securities sold but not yet purchased at fair value, and other non-trading Fair value represents an estimate of the amount that we would receive, or that would be payable in the case of a liability, in an orderly transaction between willing parties at the measurement date. The fair value amounts disclosed represent point-in-time Governance Over the Determination of Fair Value Senior executive oversight of our valuation processes is provided through various valuation and risk committees. In order to ensure that all financial instruments carried at fair value are accurately and appropriately measured for risk management and financial reporting purposes, we have established governance structures and controls, such as model validation and approval, independent price verification (IPV) and profit or loss attribution analysis (PAA), consistent with industry practice. These controls are applied independently of the relevant operating groups. We establish valuation methodologies for each type of financial instrument that is required to be measured at fair value. The application of valuation models for products or portfolios is subject to independent approval to ensure only validated models are used. The impact of known limitations of models and data inputs is also monitored on an ongoing basis. IPV is a process that regularly and independently verifies the accuracy and appropriateness of market prices or model inputs used in the valuation of financial instruments. This process assesses fair values using a variety of different approaches to verify and validate the valuations. PAA is a daily process carried out by management to identify and explain changes in fair value positions across all operating lines of business within BMO CM. This process works in concert with other processes to ensure that the fair values being reported are reasonable and appropriate. Securities For traded securities, quoted market value is considered to be fair value. Quoted market value is based on bid or ask prices, depending on which is the most appropriate to measure fair value. Securities for which no active market exists are valued using all reasonably available market information. Our fair value methodologies are described below. Government Securities The fair value of debt securities issued or guaranteed by governments in active markets is determined by reference to recent transaction prices, broker quotes or third-party vendor prices. The fair value of securities that are not traded in an active market is modelled using implied yields derived from the prices of similar actively traded government securities and observable spreads. Mortgage-Backed Securities and Collateralized Mortgage Obligations The fair value of MBS and CMO is determined using prices obtained from independent third-party vendors, broker quotes and relevant market indices Corporate Debt Securities The fair value of corporate debt securities is determined using prices observed in the most recent transactions. When observable quoted prices are not available, fair value is determined based on discounted cash flow models using discounting curves and spreads obtained from independent dealers, brokers and third-party vendors. Trading Loans The fair value of trading loans is determined by referring to current market prices for the same or similar instruments. Corporate Equity Securities The fair value of corporate equity securities is determined using quoted prices in active markets, where available. Where quoted prices in active markets are not readily available, fair value is determined using either quoted market prices for similar securities or valuation techniques, which include discounted cash flow analysis and earnings multiples. Privately Issued Securities Privately issued debt and equity securities are valued using prices observed in recent market transactions, where available. Otherwise, fair value is derived from valuation models using a market or income approach. These models consider various factors, including projected cash flows, earnings, revenue and other third-party evidence, as available. The fair value of our privately issued securities includes net asset values published by third-party fund managers, as applicable. Prices obtained from dealers, brokers and third-party vendors are corroborated as part of our independent review process, which may include using valuation techniques or obtaining consensus or composite prices from other pricing services. We validate the estimates of fair value by obtaining multiple third-party quotes for external market prices and input values. We review the approach taken by third-party vendors to ensure that they employ a valuation model that maximizes the use of observable inputs such as benchmark yields, bid-ask Loans In determining the fair value of our fixed rate performing loans, other than credit card loans, we discount the remaining contractual cash flows, adjusted for estimated prepayments, at market interest rates currently offered for loans with similar terms and credit risk profiles. For credit card performing loans, fair value is considered to be equal to carrying value, due to their short-term nature. For floating rate performing loans, changes in interest rates have minimal impact on fair value since interest rates are repriced or reset frequently. On that basis, fair value is assumed to be equal to carrying value. The fair value of loans is not adjusted to reflect any credit protection purchased to mitigate credit risk. Derivative Instruments A number of valuation techniques are employed to estimate fair value, including discounted cash flow analysis, the Black-Scholes model, Monte Carlo simulation and other accepted market models. These independently validated models incorporate current market data for interest rates, foreign exchange In determining the fair value of complex and customized derivatives, we consider all reasonably available information, including dealer and broker quotes, multi-contributor pricing sources and any relevant observable market inputs. Our models calculate fair value based on inputs specific to the type of contract, which may include share prices, correlation for multiple assets, interest rates, foreign exchange rates, yield curves and volatilities. We calculate a credit valuation adjustment (CVA) to recognize the credit risk related to the possibility that the counterparty may not ultimately be able to fulfill its derivative obligations. The CVA is derived from market-observed credit spreads or proxy credit spreads and our assessment of the net counterparty credit risk exposure, taking into account credit mitigants such as collateral, master netting agreements and novation to central counterparties. We also calculate a funding valuation adjustment (FVA) to recognize the implicit funding costs associated with over-the-counter Deposits In determining the fair value of our deposits, we incorporate the following assumptions: • For fixed rate, fixed maturity deposits, we discount the remaining contractual cash flows related to these deposits, adjusted for expected redemptions, at market interest rates currently offered for deposits with similar terms and risk profiles. The fair value of our senior note liabilities and covered bonds is determined by referring to current market prices for similar instruments or using valuation techniques, such as discounted cash flow models that use market interest rate yield curves and funding spreads. • For fixed rate deposits with no defined maturities, we consider fair value to equal carrying value, since carrying value is equivalent to the amount payable on the reporting date. • For floating rate deposits, changes in interest rates have minimal impact on fair value, since deposits reprice to market frequently. On that basis, fair value is considered to equal carrying value. Certain of our structured note liabilities that have coupons or repayment terms linked to the performance of interest rates, foreign currencies, commodities, equity securities or other deposits have been designated at FVTPL. The fair value of these structured notes and other deposits is estimated using internally validated valuation models incorporating observable market prices for identical or comparable securities, as well as other inputs, such as interest rate yield curves, option volatilities and foreign exchange rates, where appropriate. Where observable market prices or inputs are not available, management judgment is required to determine the fair value by assessing other relevant sources of information, such as historical data and proxy information from similar transactions. Securities Sold But Not Yet Purchased The fair value of these obligations is based on the fair value of the underlying securities, which can be equity or debt securities. As these obligations are fully collateralized, the method used to determine fair value would be the same as that used for the relevant underlying equity or debt securities. Securitization and Structured Entities’ Liabilities The determination of the fair value of our securitization and structured entities’ liabilities is based on quoted market prices or quoted market prices for similar financial instruments, where available. Where quoted prices are not available, fair value is determined using valuation techniques, such as discounted cash flow models, that maximize the use of observable inputs. Subordinated Debt The fair value of our subordinated debt is determined by referring to current market prices for the same or similar instruments. Financial Instruments with a Carrying Value Approximating Fair Value Carrying value is considered to be a reasonable estimate of fair value for our cash and The carrying value of certain financial assets and liabilities, such as interest bearing deposits with banks, securities borrowed or purchased under resale agreements, customers’ liability under acceptances and certain other assets, as well as acc epta Fair Value Hierarchy We categorize assets and liabilities carried at fair value in a fair value hierarchy according to the inputs we use in valuation techniques to measure fair value. Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet Set out in the following table are the fair values of financial instruments not carried at fair value in our Consolidated Balance Sheet. (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value Fair value (6) Securities (1) Amortized cost $   115,188 $    106,461 $ 116,814 $ 104,171 Loans (1) (2) Residential mortgages 190,666 188,848   175,350   167,863 Consumer instalment and other personal 91,889 91,513 103,267 101,023 Credit cards 13,030 13,030 11,893 11,893 Business and government 369,776 370,101 358,712 357,027 665,361 663,492 649,222 637,806 Deposits (3) 928,332 928,689 875,034 871,776 Securitization and structured entities’ liabilities (4) 21,850 21,653 24,631 23,739 Other liabilities (5) 2,929 2,669 4,160 3,287 Subordinated debt 8,377 8,543 8,228 7,849 (1) Carrying value is net of ACL. (2) Excludes $163 million of residential mortgages classified as FVTPL, $12,431 million of business and government loans classified as FVTPL and $61 million of business and government loans classified as FVOCI ($1,676 million, $5,720 million and $58 million, respectively, as at October 31, 2023). (3) Excludes $45,222 million of structured note liabilities, $6,032 million of money market deposits, $1,047 million of embedded options related to carried at amortized cost (4) Excludes $18,314 million of securitization and structured entities’ liabilities classified as FVTPL ($2,463 million as at October 31, 2023). (5) Other liabilities include certain investment contract liabilities in our insurance business measured at amortized cost, as well as certain (6) If financial instruments not carried at fair value were categorized based on the fair value hierarchy, all of these financial instruments would be categorized as Level 2, except for amortized cost securities, which would have $106,389 million categorized as Level 2 ( $ ($nil Certain comparative figures have been reclassified for changes in accounting policy ( Note Valuation Techniques and Significant Inputs We determine the fair value of assets and liabilities using quoted prices in active markets (Level 1) when these are available. When quoted prices in active markets are not available, we determine the fair value of assets and liabilities using models such as discounted cash flows, with observable market data for inputs, such as yields or broker quotes and other third-party vendor quotes (Level 2). Fair value may also be determined using models where significant observable market data is not available due to inactive markets or minimal market activity (Level 3). We maximize the use of observable market inputs to the extent possible. Our Level 2 trading 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 models without observable market information as inputs (Level 3) in the valuation of securities, loans classified as FVTPL and FVOCI, other assets (Canadian $ in millions) 2024 2023 Valued using Valued using Valued using Total Valued using Valued using Valued using Total Trading Securities Issued or guaranteed by: Canadian federal government $ 1,272 $ 8,764 $ – $ 10,036 $ 1,176 $ 10,194 $ – $ 11,370 Canadian provincial and municipal governments – 7,585 – 7,585 – 7,170 – 7,170 U.S. federal government 2,688 21,560 – 24,248 3,593 16,539 – 20,132 U.S. states, municipalities and agencies – 565 – 565 – 279 – 279 Other governments 92 3,757 – 3,849 20 2,520 – 2,540 NHA MBS, and U.S. agency MBS and CMO – 40,995 – 40,995 – 21,517 – 21,517 Corporate debt – 15,190 – 15,190 – 11,933 – 11,933 Trading loans – 475 – 475 – 450 – 450 Corporate equity 65,559 420 4 65,983    48,094 196 37 48,327 69,611 99,311           4 168,926 52,883   70,798         37    123,718 FVTPL Securities Issued or guaranteed by: Canadian federal government 166 237 – 403 4 212 – 216 Canadian provincial and municipal governments – 1,578 – 1,578 – 1,166 – 1,166 U.S. federal government – 1,527 – 1,527 2 2,086 – 2,088 Other governments – 25 – 25 – 48 – 48 NHA MBS, and U.S. agency MBS and CMO – 21 – 21 – 19 – 19 Corporate debt – 8,745 35 8,780 – 7,335 27 7,362 Corporate equity 921 910 4,899 6,730 821 805   4,208 5,834 1,087 13,043 4,934 19,064 827 11,671 4,235 16,733 FVOCI Securities Issued or guaranteed by: Canadian federal government 3,212 30,965 – 34,177 633 19,467 – 20,100 Canadian provincial and municipal governments – 5,996 – 5,996 – 5,055 – 5,055 U.S. federal government 25 16,940 – 16,965 – 5,880 – 5,880 U.S. states, municipalities and agencies – 5,068 – 5,068 – 5,301 – 5,301 Other governments – 5,656 – 5,656 – 6,969 – 6,969 NHA MBS, and U.S. agency MBS and CMO – 21,293 – 21,293 – 15,765 – 15,765 Corporate debt – 4,370 – 4,370 – 3,589 – 3,589 Corporate equity – – 177 177 – – 160 160 3,237 90,288 177 93,702 633 62,026 160 62,819 Loans Residential mortgages – 163 – 163 – 1,676 – 1,676 Business and government loans – 12,190 302 12,492 – 5,592 186 5,778 – 12,353 302 12,655 – 7,268 186 7,454 Other Assets (1) 11,236 – 1,717 12,953 6,020 33 1,723 7,776 Fair Value Liabilities (2) Deposits (3) – 54,108 – 54,108 – 35,845 – 35,845 Securities sold but not yet purchased 10,631 24,399 – 35,030 12,217 31,557 – 43,774 Other liabilities (4) 1,754 19,110 – 20,864 1,479 3,046 5 4,530 12,385 97,617 – 110,002 13,696 70,448 5 84,149 Derivative Assets Interest rate contracts 36 9,851 – 9,887 21 13,329 – 13,350 Foreign exchange contracts 4 21,258 10 21,272 28 19,861 – 19,889 Commodity contracts 169 1,656 2 1,827 668 1,349 5 2,022 Equity contracts 539 13,718 – 14,257 58 4,632 – 4,690 Credit default swaps – 10 – 10 – 25 – 25 748 46,493 12 47,253 775 39,196 5 39,976 Derivative Liabilities Interest rate contracts 32 10,811 – 10,843 52 17,749 – 17,801 Foreign exchange contracts – 19,955 – 19,955 1 19,204 – 19,205 Commodity contracts 96 1,721 4 1,821 589 1,067 1 1,657 Equity contracts 75 25,596 2 25,673 160 11,335 8 11,503 Credit default swaps – 10 1 11 – 25 2 27 $       203 $    58,093 $ 7 $   58,303 $ 802 $ 49,380 $ 11 $ 50,193 (1) Other assets include precious metals, segregated fund assets and investment properties in our insurance business, carbon credits, certain receivables and other items measured at fair value. (2) Interest expense for liabilities carried at fair value is $2,774 million for the year ended October 31, 2024 ($2,274 million for the year ended October 31, 2023). Interest expense for liabilities carried at amortized cost is $43,743 million for the year ended October 31, 2024 ($34,619 million for the year ended October 31, 2023). (3) Deposits include structured note liabilities , money market and metals deposits designated at FVTPL and certain embedded options related to structured deposits carried at amortized cost. (4) Other liabilities include certain investment contract liabilities and segregated fund liabilities in our insurance business, as well as certain securitization and structured entities’ liabilities measured at FVTPL. Certain comparative figures have been reclassified for changes in accounting policy ( Note Quantitative Information about Level 3 Fair Value Mea surem The table below presents the fair values of our significant Level 3 financial instruments, the valuation techniques used to determine their fair values and the value ranges of significant unobservable inputs used in the valuations. (Canadian $ in millions except as noted) 2024 Reporting line in fair value hierarchy table Fair value of assets Valuation S unobservable inputs Range of input values (1) Changes in fair value from using reasonably possible alternatives (2) Low High Private equity Corporate equity $ 4,899 Net asset value Net asset value na na na EV/EBITDA Multiple 5 21 (18)/18 Investment properties Other assets 1,363 Income approach Capitalization rate 2% 8% (118)/151 2023 Private equity Corporate equity $   4,208 Net asset value Net asset value na na na EV/EBITDA Multiple 3 23 (13)/13 Investment properties Other assets 1,326 Income approach Capitalization rate 1% 9% (124)/174 (1) The low and high input values represent the lowest and highest actual level of inputs used to value a group of financial instruments in a particular product category. These value ranges do not reflect the level of input uncertainty but are affected by the specific underlying instruments within each product category. The value ranges will therefore vary from period to period based on the characteristics of the underlying instruments held at each balance sheet date. (2) Net asset values are provided by fund managers and therefore have no other reasonably possible alternative assumptions. Sensitivity of private equity investments is determined by adjusting the price multiples based on the range of multiples of comparable companies. Sensitivity of investment properties is determined by adjusting the capitalization rate. na – not applicable Significant Unobservable Inputs in Level 3 Instrument Valuations Net Asset Value Net asset value represents the estimated value of a security based on valuations received from the investment or fund manager. As no observable price is available for most private equity securities, the valuation is based on the economic benefit we expect to derive from our investment. EV/EBITDA Multiple The fair value of private equity and merchant banking investments is derived by calculating an enterprise value (EV) using the EV/EBITDA multiple and then proceeding through a waterfall of the company’s capital structure to determine the value of the assets or securities we hold. The EV/EBITDA multiple is determined using judgment in considering factors such as multiples for comparable listed companies, recent transactions and company-specific factors, as well as liquidity discounts that account for the lack of active trading in these assets and securities. Capitalization Rate The fair value of investment properties is determined by external independent property valuation experts using industry standard property valuation methodologies on expected future cash , 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 Level 1 and Level 2 are determined by the recency of issuance and the availability of quoted market prices in an active market. During the year ended October 31, 2024, transfers from Level 1 to Level 2 included total securities of $1,784 million and securities sold but not yet purchased of $751 million. Transfers from Level 2 to Level 1 included total securities of $118 million and securities sold but not yet purchased of $49 million. Changes in Level 3 Fair Value Measurements The tables below present a reconciliation of all changes in Level 3 financial instruments for the years ended October 31, 2024 and 2023 Change in fair value Movements Transfers For the year ended October 31, 2024 Balance Included in Included Purchases/ Sales Maturities Transfers Transfers Fair value as Change in recorded in income Trading Securities NHA MBS and U.S. agency MBS and CMO $ – $ – $ – $ 41 $ (41 ) $ – $ – $ – $ – $ – Corporate equity 37 – – 4 – – – (37 ) 4 – Total trading securities 37 – – 45 (41 ) – – (37 ) 4 – FVTPL Securities Corporate debt 27 (10 ) – 18 – – – – 35 (10 ) Corporate equity 4,208 (162 ) 11 1,068   (240 ) (1 ) 16 (1 ) 4,899 57 Total FVTPL securities 4,235 (172 ) 11 1,086 (240 ) (1 ) 16 (1 ) 4,934 47 FVOCI Securities Corporate equity 160 – 13 4 – – – – 177 na Total FVOCI securities 160 – 13 4 – – – – 177 na Business and Government Loans 186 – – 89 – (171 ) 198 – 302 – Other Assets 1,723 30 – 86 (21 ) (101 ) – – 1,717 47 Derivative Assets Foreign exchange contracts – – – 10 – – – – 10 – Commodity contracts 5 (3 ) – – – – – – 2 (3 ) Equity contracts – – – – – – 13 (13 ) – – Total derivative assets 5 (3 ) – 10 – – 13 (13 ) 12 (3 ) Other Liabilities 5 – – 8 – (13 ) – – – – Derivative Liabilities Foreign exchange contracts – – – – – – – – – – Commodity contracts 1 3 – – – – – – 4 3 Equity contracts 8 1 – – – – 2 (9 ) 2 1 Credit default swaps 2 (2 ) – – – – 1 – 1 (1 ) Total derivative liabilities 11 2 – – – – 3 (9 ) 7 3 Change in fair value Movements Transfers For the year ended October 31, 2023 Balance Included in Included Purchases/ Sales Maturities/ Transfers Level 3 Transfers Fair value as Change in Trading Securities NHA MBS and U.S. agency MBS and CMO $ – $ – $ – $ – $ – $       – $ – $       – $ – $ – Corporate equity – – – – – –      37 – 37 – Total trading securities – – – – – – 37 – 37 – FVTPL Securities Corporate debt 8 – – 19 – – – – 27 1 Corporate equity   4,044 (233 ) 45 2,784 (349 ) (1 ) 15 (2,097 )   4,208 (39 ) Total FVTPL securities 4,052 (233 )      45   2,803 (349 ) (1 ) 15 (2,097 ) 4,235 (38 ) FVOCI Securities Corporate equity 153 – 1 7 (1 ) – – – 160 na Total FVOCI securities 153 – 1 7 (1 ) (1 ) – – 160 na Business and Government Loans 20 – 4 259 – (97 ) – – 186 – Other Assets 1,233      40 – 461 – (11 ) – – 1,723 40 Derivative Assets Foreign exchange contracts 26 (17 ) – – – (9 ) – – – 9 Commodity contracts – (8 ) – 13 – – – – 5 (8 ) Equity contracts – 2 – – – – 1 (3 ) – 2 Total derivative assets 26 (23 ) – 13 – (9 ) 1 (3 ) 5 3 Other Liabilities 2 (1 ) – 11 (4 ) – – (3 ) 5 (1 ) Derivative Liabilities Foreign exchange contracts – 12 – – – (12 ) – – – (38 ) Commodity contracts – 1 – – – – – – 1 1 Equity contracts – – – – – – 8 – 8 – Credit default swaps 2 – – – – – – – 2 – Total derivative liabilities 2 13 – – – (12 ) 8 – 11 (37 ) (1) Foreign exchange translation on assets and liabilities held by foreign operations is included our Consolidated Statement of Comprehensive Income as part of net gains on translation of net foreign operations. (2) Changes in unrealized gains (losses) on trading and FVTPL securities still held on October 31, 2024 and 2023 are included in earnings for the year. (3) FVTPL securities include $969 million of Federal Home Loan Bank (FHLB) and Federal Reserve Bank equity and $587 million of investments in LIHTC entities, acquired as a result of our acquisition of Bank of the West in 2023 . Unrealized gains (losses) recognized on Level 3 financial instruments may be offset by (losses) gains on economic hedge contracts. Certain comparative figures have been reclassified for changes in accounting policy na – not applicable Trading-Related Revenue Trading assets and liabilities, including derivatives, securities and financial instruments designated at FVTPL, are measured at fair value, with gains and losses recognized in non-interest non-interest Net interest income arises from interest and dividends related to trading assets and liabilities, and is reported net of interest expense associated with funding these assets and liabilities in the following table: (Canadian $ in millions) 2024 2023 Interest rates $     1,003 $ 770 Foreign exchange 579 638 Equities 759 610 Commodities 150 192 Other (1) 55 (1,526 ) Total trading-related revenue $ 2,546 $    684 Reported as: Net interest income 169 900 Non-interest (1) 2,377 (216 ) Total trading-related revenue $ 2,546 $ 684 (1) Includes management of fair value changes on the purchase of Bank of the West in 2023. Refer to Note 10 for further information.

Offsetting of Financial Assets

Offsetting of Financial Assets and Financial Liabilities	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Offsetting of Financial Assets and Financial Liabilities	Note 19: Offsetting of Financial Financial assets and financial liabilities are offset and the net amount is reported in our Consolidated Balance Sheet when there is a legally enforceable right to offset the recognized amounts and an intention to settle on a net basis or realize the asset and settle the liability simultaneously. The following table presents the amounts that have been offset in our Consolidated Balance Sheet, including securities purchased under resale agreements, securities sold under repurchase agreements and derivative instruments, generally under a market settlement mechanism (e.g. an exchange or clearing house) where simultaneous net settlement can be achieved to eliminate credit and liquidity risk between counterparties. Also presented are amounts not offset in our Consolidated Balance Sheet related to transactions where a master netting agreement or similar arrangement is in place with a right to offset the amounts only in the event of default, insolvency or bankruptcy, or where the offset criteria are otherwise not met. (Canadian $ in millions) 2024 Amounts not offset in the balance sheet Gross amounts Amounts offset in Net amounts balance sheet Impact of Securities Cash Net amount Financial Assets Securities borrowed or purchased under resale agreements $  135,282 $  24,375 $ 110,907 $  5,738 $  103,814 $    72 $    1,283 Derivative instruments 47,662 409 47,253 31,576 2,294 3,802 9,581 $ 182,944 $ 24,784 $ 158,160 $ 37,314 $ 106,108 $ 3,874 $ 10,864 Financial Liabilities Derivative instruments $ 58,712 $ 409 $ 58,303 $ 31,576 $ 10,866 $ 7,378 $ 8,483 Securities lent or sold under repurchase agreements 135,166 24,375 110,791 5,738 104,266 258 529 $ 193,878 $ 24,784 $ 169,094 $ 37,314 $ 115,132 $ 7,636 $ 9,012 2023 Financial Assets Securities borrowed or purchased under resale agreements $ 118,128 $ 2,466 $ 115,662 $ 11,386 $ 102,852 $ 25 $ 1,399 Derivative instruments 40,513 537 39,976 26,674 3,266 4,569 5,467 $ 158,641 $ 3,003 $ 155,638 $ 38,060 $ 106,118 $ 4,594 $ 6,866 Financial Liabilities Derivative instruments $ 50,730 $ 537 $ 50,193 $ 26,674 $ 7,837 $ 7,186 $ 8,496 Securities lent or sold under repurchase agreements 108,574 2,466 106,108 11,386 94,291 106 325 $   159,304 $        3,003 $     156,301 $    38,060 $       102,128 $      7,292 $    8,821 (1) Financial assets received/pledged as collateral are disclosed at fair value and limited to the net balance sheet exposure (i.e. any over-collateralization is excluded from the table). (2) Certain amounts of collateral are restricted from being sold or re pledged e (3) Not intended to represent our actual exposure to credit risk.

Capital Management

Capital Management	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Capital Management	Note 20: Capital Management Our objective is to maintain a strong and optimized capital position in a cost-effective structure that: is appropriate given our target regulatory capital ratios and our internal assessment of required economic capital; underpins our operating groups’ business strategies and considers the market environment; supports depositor, investor and regulator confidence, dividends and building long-term shareholder value; and is consistent with our target credit ratings. Our approach includes establishing limits, targets and performance measures that are applied in managing balance sheet positions, risk levels and capital requirements, as well as issuing and redeeming capital instruments to achieve a cost-effective capital structure. Regulatory capital requirements for the bank are determined in accordance with guidelines issued by OSFI, which are based on the Basel III Framework developed by the Basel Committee on Banking Supervision. CET1 Capital is the most permanent form of capital. It comprises common shareholders’ equity, contractual service margin, and may include a portion of ECL provisions, less deductions for goodwill, intangible assets and certain other items. Tier 1 Capital primarily comprises CET1 Capital, preferred shares and other equity instruments, less regulatory deductions. Tier 2 Capital primarily comprises subordinated debentures and may include a portion of ECL provisions, less regulatory deductions. Total Capital includes Tier 1 and Tier 2 Capital. Total Loss Absorbing Capacity (TLAC) comprises Total Capital and Other TLAC instruments that allow conversion in whole, or in part, into common shares under the Canada Deposit Insurance Corporation Act The primary regulatory capital measures are the CET1 Ratio, Tier 1 Capital Ratio, Total Capital Ratio, TLAC Ratio, Leverage Ratio and TLAC Leverage Ratio. • Regulatory capital ratios are calculated by dividing CET1 Capital, Tier 1 Capital, Total Capital and TLAC by their respective risk-weighted assets. • The Leverage Ratio is defined as Tier 1 Capital divided by leverage exposures, which consist of on-balance off-balance The domestic implementation of Basel III reforms related to capital, leverage, liquidity and disclosure requirements was effective in the second quarter of 2023. On July 5, 2024, OSFI announced a one-year one-year As at October 31, 2024, we met OSFI’s required target regulatory capital ratios, which include a % Capital Conservation Buffer, a % D-SIBs, % Domestic Stability Buffer (DSB) applicable to D-SIBs. % to % of total RWA. On June 18, 2024, OSFI announced that the DSB would remain at % . Regulatory Capital and Total Loss Absorbing Capacity Measures, Risk-Weighted Assets and Leverage Exposures (1) (Canadian $ in millions, except as noted) 2024 2023 CET1 Capital $        57,054 $        52,914 Tier 1 Capital 64,735 59,785 Total Capital 73,911 68,718 TLAC 123,288 114,402 Risk-Weighted Assets 420,838 424,197 Leverage Exposures 1,484,962 1,413,036 CET1 Ratio 13.6% 12.5% Tier 1 Capital Ratio 15.4% 14.1% Total Capital Ratio 17.6% 16.2% TLAC Ratio 29.3% 27.0% Leverage Ratio 4.4% 4.2% TLAC Leverage Ratio 8.3% 8.1% (1) Calculated in

Employee Compensation - Share-B

Employee Compensation - Share-Based Compensation	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Employee Compensation - Share-Based Compensation	Note 21: Employee Compensation – Share-Based Compensation Stock Option Plan We maintain a Stock Option Plan for designated officers and employees. Options are granted at an exercise price equal to the closing price of our common shares on the day before the grant date. Stock options granted vest in equal tranches of 50% on the third and fourth anniversaries of their grant date. Each tranche is treated as a separate award with a different vesting period. In general, options expire 10 years from their grant date. We determine the fair value of stock options on their grant date and record this amount as compensation expense over the period that the stock options vest, with a corresponding increase to contributed surplus. When these stock options are exercised, we issue shares and record the amount of proceeds, together with the amount recorded in contributed surplus, in share capital. The estimated grant date fair value of stock options granted to employees who are eligible to retire is expensed at the date of grant. The following table summarizes information about our Stock Option Plan: (Canadian $, except as noted) 2024 2023 Number of Weighted-average Number of Weighted-average Outstanding at beginning of year 6,312,576 $ 105.26 5,976,870 $ 98.12 Granted 1,113,853 118.50 1,322,817 122.31 Exercised (811,652 ) 82.74 (724,853 ) 76.12 Forfeited/expired/cancelled (60,285 ) 122.22 (262,258 ) 109.19 Outstanding at end of year 6,554,492 110.14 6,312,576 105.26 Exercisable at end of year 2,856,460 95.27 2,759,935 89.99 Available for grant 9,565,914  10,619,482 Employee compensation expense related to this plan for the years ended October 31, 2024 and 2023 was $18 million and $20 million, respectively. Options outstanding and exercisable at October 31, 2024 by range of exercise price were as follows: (Canadian $, except as noted) 2024 Options outstanding Options exercisable Range of exercise prices Number of Weighted- Weighted-average Number of Weighted-average $70.01 to $80.00 332,980 0.9 $ 77.42 332,980 $ 77.42 $80.01 to $90.00 563,982 4.1 89.90 563,982 89.90 $90.01 to $100.00 1,185,672 5.0 97.07 749,448 97.03 $100.01 to $120.00 2,281,462 6.7 109.43 1,195,574 101.19 $120.01 and over 2,190,396 7.7 128.14 14,476 135.58 The following table summarizes additional information about our Stock Option Plan: (Canadian $ in millions, except as noted) 2024 2023 Unrecognized compensation cost for non-vested $ 12 $ 14 Cash proceeds from stock options exercised 67 55 Weighted-average share price for stock options exercised (in dollars)        120.40       123.01 The fair value of options granted was estimated using a binomial option pricing model. The weighted-average fair value of options granted during the years ended October 31, 2024 and 2023 was $15.33 and $18.94, respectively. To determine the fair value of the stock option tranches on the grant date, the following ranges of values were used as inputs for each option pricing assumption: 2024 2023 Expected dividend yield 4.5%   4.5% – 4.6% Expected share price volatility   17.4 % 20.9% Risk-free rate of return 3.3 % 3.2% Expected period until exercise (in years) 6.5 – 7.0 6.5 – 7.0 Changes to the input assumptions can result in different fair value estimates. Expected dividend yield is based on market expectations of future dividends on our common shares. Expected share price volatility is determined based on the market consensus implied volatility for traded options on our common Other Share-Based Compensation Share Purchase Plans We offer various employee share purchase plans. The largest of these plans We account for our contributions as employee compensation expense when they are contributed to the plan. Employee compensation expense related to these plans for the years ended October 31, 2024 and 2023 was $49 million and $48 million, respectively. There Compensation Trusts Our compensation trusts include share ownership and deferred compensation arrangements. These compensation trusts are consolidated if we control the trust, meaning that we have power over the trust, exposure to variable returns as a result of our involvement and the ability to exercise power to affect the amount of our returns. We sponsor various share ownership arrangements, certain of which are administered through trusts into which our matching contributions are paid and not required to be consolidated. Total assets held related to these share ownership arrangements amounted to $2,299 million as at October 31, 2024 ($1,908 million as at October 31, 2023). We sponsor various deferred compensation arrangements, administered through trusts into which our contributions are paid to fund deferred compensation to certain U.S. senior employees. Some of these trusts are required to be consolidated. Total consolidated trust assets are $313 million as at October Mid-Term We offer mid-term Mid-term The weighted-average fair value of the units granted during the years ended October 31, 2024 and 2023 was $111.66 and $129.18, respectively, and we recorded employee compensation expense of $1,037 million and $605 million, respectively. We hedge the impact of the change in market value of our common shares by entering into total return swaps. We also enter into foreign currency forwards to manage the impact of foreign exchange translation from grants in our U.S. businesses. Gains (losses) on total return swaps and foreign currency forwards recognized for the years ended October 31, 2024 and 2023 were $178 million and $(223) million, respectively, resulting in net employee compensation expense of $859 million and $828 million, respectively. A total of 18.4 million and 17.8 million mid-term Deferred Incentive Plans We offer deferred incentive plans for members of our Board of Directors, executives and key employees in BMO CM and BMO WM. Under these plans, fees, annual incentive payments and/or commissions can be deferred and recorded as share units of our common shares. These share units are typically either fully vested on the grant date or vest at the end of three years. The value of these share units is adjusted to reflect reinvested dividends and changes in the market value of our common shares. Deferred incentive plan payments are paid in cash upon the participant’s departure from the bank. Employee compensation expense for these plans is recorded in the year the fees, incentive payments and/or commissions are earned. Changes in the amount of the incentive plan payments as a result of dividends and share price movements are recorded as increases or decreases in employee compensation expense in the period of the change. Deferred incentive plan units granted during the years ended October 31, 2024 and 2023 totalled 0.3 million and 0.2 million, respectively, and the weighted-average fair value of the units granted during the years ended October 31, 2024 and 2023 was $121.18 and $123.64, respectively. Liabilities related to these plans are recorded in other liabilities in our Consolidated Balance Sheet and totalled $655 million and $517 million as at October 31, 2024 and 2023, respectively. Employee compensation expense (recovery) related to these plans for the years ended October 31, 2024 and 2023 was $139 million and $(76) million, respectively. We have entered into derivative instruments to hedge our exposure related to these plans. Changes in the fair value of these derivatives are recorded in employee compensation expense in the period in which they arise. Gains (losses) on these derivatives recognized for the years ended October 31, 2024 and 2023 were $107 million and $(105) million, respectively. These gains (losses) resulted in net employee compensation expense for the years ended October 31, 2024 and 2023 of $ A total of 5.1 million and 5.0 million deferred incentive plan units were outstanding as at October 31, 2024 and 2023, respectively.

Employee Compensation - Pension

Employee Compensation - Pension and Other Employee Future Benefits	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Employee Compensation - Pension and Other Employee Future Benefits	Note 22: Employee Compensation – Pension and Other Employee Future Benefits Pension and Other Employee Future Benefit Plans We sponsor a number of arrangements globally that provide pension and other employee future benefits to our retired and current employees. The largest of these arrangements, by defined benefit obligation, are the primary defined benefit pension plans for employees in Canada and the United States and the primary other employee future benefit plan for employees in Canada. Pension arrangements include defined benefit pension plans, as well as supplementary arrangements that provide pension benefits in excess of statutory limits. Generally, under these plans we provide retirement benefits based on an employee’s years of service and average annual earnings over a period of time prior to retirement. Our pension and other employee future benefit expenses, recorded in non-interest expense, employee compensation, in our Consolidated Statement of Income, mainly comprise the current service cost plus or minus the interest on net defined benefit assets or liabilities. In addition, we provide defined contribution pension plans to our employees. The costs of these plans, recorded in non-interest expense, employee compensation, in our Consolidated Statement of Income, are equal to our contributions to the plans. Effective December 31, 2020, the primary defined benefit pension plan for employees in Canada was closed to new employees hired after that date. Employees hired or transferred to BMO Canada on or after January 1, 2021 are eligible to participate in a defined contribution pension plan once they have completed the waiting period of six months of continuous service. We also provide other employee future benefits, including health and dental care benefits and life insurance, for eligible current and retired employees. Short-term employee benefits, such as salaries, paid absences, bonuses and other benefits, are accounted for on an accrual basis over the period in which the employees provide the related services. Investment Policy The defined benefit pension plans are administered under an established governance structure, with oversight exercised by the Board of Directors. The plans are managed under a framework that considers both assets and liabilities in the development of an investment policy and management of risk. We have implemented a liability-driven investment strategy for the primary Canadian and U.S. plans to enhance risk-adjusted returns while reducing the plans’ surplus volatility. This strategy has reduced the impact of the plans on our regulatory capital. The plans invest in asset classes that include equities, fixed income and alternative strategies, under established investment guidelines. Plan assets are diversified across asset classes and by geographic exposure. They are managed by asset management firms that are responsible for the selection of investment securities. Derivative instruments are permitted under policy guidelines and are generally used to hedge foreign currency exposures, manage interest rate exposures or replicate the return of an asset. Risk Management The defined benefit pension plans are exposed to various risks, including market risk (interest rate, equity and foreign currency risks), credit risk, operational risk, surplus risk and longevity risk. We follow a number of approaches to monitor and actively manage these risks, including: • monitoring surplus-at-risk, • stress testing and scenario analyses to evaluate the volatility of the plans’ financial positions and any potential impact on the bank; • hedging of foreign currency and interest rate risk exposures within policy limits; • controls related to asset mix allocations, geographic allocations, portfolio duration, credit quality of debt securities, sector guidelines, issuer/counterparty limits and others; and • ongoing monitoring of exposures, performance and risk levels. Pension and Other Employee Future Benefit Liabilities Our actuaries perform valuations of our defined benefit obligations for pension and other employee future benefits as at October 31 of each year using the projected unit credit method based on management’s assumptions about discount rates, rates of compensation increase, retirement age, mortality and health care cost trend rates. The discount rates for the primary Canadian and U.S. pension and other employee future benefit plans were selected based on the yields of high-quality AA rated corporate bonds with terms matching the plans’ cash flows. The fair value of plan assets is deducted from the defined benefit obligation to determine the net defined benefit asset or liability. For defined benefit pension plans that are in a net defined benefit asset position, the recognized asset is limited to the present value of economic benefits available in the form of future refunds from the plan or reductions in future contributions to the plan (the asset ceiling). Changes in the asset ceiling are recognized in other comprehensive income. Components of the change in our net defined benefit assets or liabilities and our pension and other employee future benefit expenses are as follows: Current service cost Interest on net defined benefit asset or liability rate Actuarial gains and losses Plan amendments Settlements Funding of Pension and Other Employee Future Benefit Plans We fund our defined benefit pension plans in Canada and the United States in accordance with statutory requirements, and the assets in these plans are used to pay benefits to retirees and other employees. Some groups of employees are also eligible to make voluntary contributions in order to receive enhanced benefits. Our supplementary pension plan in Canada is funded, while the supplementary pension plan in the United States is unfunded. Our other employee future benefit plans in Canada and the United States are either funded or unfunded. Benefit payments related to these plans are paid either through the respective plan or directly by us. We measure the fair value of plan assets for our plans in Canada and the United States as at October 31. In addition to actuarial valuations for accounting purposes, we are required to prepare valuations for determining our minimum funding requirements for our pension arrangements in accordance with the relevant statutory framework (our funding valuation). The most recent funding valuation for our primary Canadian pension plan was prepared as of October 31, 2023, and the next valuation is required no later than October 31, 2026. The most recent funding valuation for our primary U.S. pension plan was performed as at January 1, 2024. We amended certain other employee future benefit plans in the first quarter of 2024. These amendments combined the administration of a few plans. In addition, we converted one defined contribution plan into a defined benefit plan and therefore brought a net asset onto our Consolidated Balance Sheet equal to the surplus assets in that plan. This resulted in a benefit of $ million from plan amendments that was recognized as a reduction in employee compensation expense $ million in the combined plans were reduced to $ through other comprehensive income. A summary of plan information for the past two years is as follows: (Canadian $ in millions)      Pension benefit plans   Other employee future benefit plans 2024 2023 2024 2023 Defined benefit obligation $   8,365 $ 7,513 $        954 $ 880 Fair value of plan assets 9,431 8,559 245     138 Net surplus (deficit) 1,066 1,046 (709 ) (742 ) Effect of asset ceiling (3 )             – (110 ) – Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $ 1,046 $ (819 ) $ (742 ) Net surplus (deficit) comprises Funded or partially funded plans           1,223 1,209           44           81 Unfunded plans (160 ) (163 ) (863 ) (823 ) Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $   1,046 $ (819 ) $ (742 ) 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         2024 2023 2024 2023 Annual benefits expense Current service cost $ 153 $     163 $ 5 $ 6 Net interest (income) expense (1) (61 ) (64 ) 40       42 Impact of plan amendments – (1 ) (84 ) (51 ) Administrative expenses 11 10 – – Remeasurement of other long-term benefits           – – 5            9 Benefits expense $ 103 $ 108 $ (34 ) $ 6 Government pension plans expense (2) 375 361 – – Defined contribution expense       290           271           – – Total annual pension and other employee future benefit expenses (recovery) $ 768 $ 740 $     (34 ) $ 6 (1) Net (income) is increased by million for other employee future benefit plans for 2024 ($nil million and $nil million, respectively, for 2023) as a result of assets written down through other comprehensive income due to the asset ceiling. (2) Includes Canada Pension Plan, Quebec Pension Plan and U.S. Federal Insurance Contribution Act Weighted-Average Assumptions     Pension benefit plans    Other employee future benefit plans 2024 2023 2024 2023 Defined Benefit Expenses Discount rate at beginning of year (1) (2) 5.8% 5.5% 5.7% 5.5% Rate of compensation increase 2.1% 2.3%           na           na Assumed overall health care cost trend rate           na            na 4.8%   (4) 4.7% (3) Defined Benefit Obligation Discount rate at end of year 4.9% 5.8% 4.8% 5.7% Rate of compensation increase 2.1% 2.1% na na Assumed overall health care cost trend rate na na 4.8%   (3) 4.8% (4) (1) The pension benefit current service cost was calculated using a separate discount rate of 5.6% and 5.4% for 2024 and 2023, respectively. (2) The other employee future benefit plans current service cost was calculated using a separate discount rate of 5.7% and 5.5% for 2024 and 2023, respectively. (3) Trending to 4.00% in 2041 (4) Trending to 4.03% in 2040 na – not applicable Assumptions regar din (Years)     Canada        United States 2024 2023 2024 2023 Life expectancy for those currently age 65 Males            24.0    23.9           22.0   21.9 Females 24.3           24.3 23.3           23.3 Life expectancy at age 65 for those currently age 45 Males 24.9 24.8 23.2 23.1 Females 25.2 25.2 24.5 24.5 Changes in the estimated financial positions of our defined benefit pension plans and other employee future (Canadian $ in millions, except as noted)      Pension benefit plans Other employee future benefit plans 2024 2023 2024 2023 Defined benefit obligation Defined benefit obligation at beginning of year $   7,513 $   7,082 $ 880 $ 928 Acquisition of defined benefit obligation (1) – 563 – 28 Settlements (2) (147 ) – – – Current service cost 153 163 5 6 Interest cost 418 393 49 50 Impact of plan amendments – (1 ) 15 (51 ) Benefits paid (481 ) (449 ) (59 ) (58 ) Employee contributions 20 20 6 6 Actuarial (gains) losses due to: Changes in demographic assumptions – – (12 ) (2 ) Changes in financial assumptions 851 (349 ) 81 (19 ) Plan member experience 31 46 (11 ) (10 ) Foreign exchange and other 7 45 – 2 Defined benefit obligation at end of year 8,365 7,513 954 880 Wholly or partially funded defined benefit obligation 8,205 7,350 91 57 Unfunded defined benefit obligation 160 163 863 823 Total defined benefit obligation 8,365 7,513 954 880 Fair value of plan assets Fair value of plan assets at beginning of year 8,559 8,261 138 147 Acquisition of plan assets (1) – 487 – – Settlements (2) (147 ) – – – Impact of plan amendments – – 100 – Interest income 479 457 12 8 Return on plan assets (excluding interest income) 979 (300 ) 1 (12 ) Employer contributions 25 50 45 45 Employee contributions 20 20 6 6 Benefits paid (481 ) (449 ) (59 ) (58 ) Administrative expenses (12 ) (10 ) – – Foreign exchange and other 9 43 2 2 Fair value of plan assets at end of year 9,431 8,559 245       138 Effect of asset ceiling (3 ) – (110 ) – Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $ 1,046 $ (819 ) $ (742 ) Recorded in: Other assets 1,252 1,225 44 81 Other liabilities (189 ) (179 ) (863 ) (823 ) Net surplus (deficit), net of the effect of the asset ceiling $   1,063 $     1,046 $ (819 ) $ (742 ) Actuarial gains (losses) recognized in other comprehensive income Net actuarial (losses) on plan assets 979 (300 ) 1 (12 ) Effect of asset ceiling (3 ) – (107 ) – Actuarial gains (losses) on defined benefit obligation due to: Changes in demographic assumptions – – 15 14 Changes in financial assumptions (851 ) 349 (74 ) 17 Plan member experience (31 ) (46 ) 6 9 Foreign exchange and other (3 ) (8 ) – – Actuarial gains (losses) recognized in other comprehensive income for the year $   91 $ (5 ) $   (159 ) $ 28 (1) Relates to the defined benefit plan included in our acquisition of Bank of the West in fiscal 2023. Refer to Note 10 for further information. (2) We completed a buyout of our UK pension plan in the fourth quarter of 2024 whereby we transferred our defined benefit obligations and an equal amount of plan assets to a third-party insurer, who has assumed the responsibility of administering payments to the plan members. We do not have any further involvement in the plan. There was no pre-tax impact from this transfer. Deferred tax assets and liabilities related to the pension plan were reduced to $nil. Plan Asset Allocations and Fair Value Our pension and other employee future benefit plan assets are measured at fair value on a recurring basis. The asset allocation ranges, weighted-average actual asset allocations and fair values of plan assets held by our primary plans as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Target % of total Quoted Unquoted Total Target range % of total Quoted Unquoted Total Equities 15   40 22% $ 1,060 $ 852 $ 1,912 15  –  40% 20% $ 925 $ 663 $ 1,588 Fixed income investments 40  –  55% 49% 96 4,467 4,563 40  –  60% 49% 168 3,855 4,023 Alternative strategies 10  –  35% 29% – 2,681 2,681 10  –  40% 31% – 2,537 2,537 100% $    1,156 $    8,000 $    9,156 100% $    1,093 $    7,055 $    8,148 No plan assets are directly invested in securities of the bank or those of its related parties as at October 31, 2024 and 2023. Our primary Canadian plan also did t directly hold, through pooled funds, any of our common shares and fixed income securities as at October 31, 2024 and 2023. The plans do not hold any property we occupy or other assets we use. Sensitivity of Assumptions Key weighted-average assumptions for 2024 used in measuring the defined benefit obligations for our primary plans are outlined in the following table. The sensitivity analysis provided in the table should be used with caution, as it is hypothetical and the impact of changes in each key assumption may not be linear. The sensitivities to changes in each key variable have been calculated independently of the impact of changes in other key variables. Actual experience may result in simultaneous changes in a number of key assumptions, which would amplify or reduce certain sensitivities. (Canadian $ in millions, except as noted) Defined benefit obligation Pension benefit plans Other employee future benefit plans Discount rate (%) 4.9 4.8 Impact of: 1% increase ($) $      (839 ) $       (73 )        1% decrease ($) 1,037 86 Rate of compensation increase (%) 2.1 na Impact of: 0.25% increase ($) $        37   na        0.25% decrease ($) (36 ) na Mortality Impact of: 1 year shorter life expectancy ($) $       154   $        20        1 year longer life expectancy ($) (157 ) (20 ) Assumed overall health care cost trend rate (%) na 4.8   (1) Impact of: 1% increase ($) na $        29        1% decrease ($) na (29 ) (1) Trending to 4.00% in 2041 na – not applicable Maturity Profile The duration of the defined benefit obligation for our primary plans is as follows: (Years) 2024         2023 Canadian pension plans       13.0 12.1 U.S. pension plans        7.5 7.2 Canadian other employee future benefit plans 11.7      11.2 Cash Flows Cash payments we made during the year in connection with our employee future benefit plans are as follows: (Canadian $ in millions)                 Pension benefit plans    Other employee future benefit plans 2024 2023 2024 2023 Net contributions (refund) to defined benefit plans $ (25 ) $ 7 $     – $ – Contributions to defined contribution plans 290 271 – – Benefits paid directly to pensioners 50        43       45 45 $       315 $   321 $     45 $       45 Our best estimate of the contributions and benefits paid directly to pensioners we expect to make for the year ending October 31, 2025 is approximately $ million for our defined benefit pension plans and $ million for our other employee future benefit plans. Benefit payments from our defined benefit and other employee future benefit plans to retirees for the year ending October 31, 2025 are estimated to be $ million.

Income Taxes

Income Taxes	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Income Taxes	Note 23: Income Taxes We report our provision for income taxes in our Consolidated Statement of Income based upon transactions recorded in our consolidated financial statements, regardless of when they are recognized for income tax purposes, with the exception of repatriation of retained earnings from our subsidiaries, as noted below. In addition, we record an income tax expense or benefit in other comprehensive income or directly in equity when the taxes relate to amounts recorded in other comprehensive income or equity. For example, income tax expense (recovery) on hedging gains (losses) related to our net investment in foreign operations is recorded in our Consolidated Statement of Comprehensive Income as part of net gains (losses) on translation of net foreign operations. Current tax is the amount of income tax recoverable (payable) in respect of the taxable loss (profit) for a period. Deferred tax is recognized on temporary differences between the carrying amounts of assets and liabilities for accounting and tax purposes. Deferred tax assets and liabilities are measured at the tax rates expected to apply when temporary differences reverse. Changes in deferred tax assets and liabilities related to a change in tax rates are recorded in income in the period the tax rate is substantively enacted, except to the extent that the tax arises from a transaction or event that is recognized either in other comprehensive income or directly in equity. Current and deferred taxes are offset only when they are levied by the same tax authority, on the same entity or group of entities, and when there is a legal right to offset. Included in deferred tax assets is $20 million ($6 million as at October 31, 2023) related to Canadian tax loss carryforwards and $3 million ($7 million as at October 31, 2023) related to both U.S. tax loss carryforwards and tax credits that will expire in various amounts in U.S. taxation years from 2024 through 2044. million in 2023) is scheduled to expire within five years. Deferred tax assets have not been recognized in respect of these items because it is not probable that these benefits Income that we earn through our foreign subsidiaries and foreign branches is generally taxed in the country in which they operate. Canada also taxes the income we earn through our foreign branches and a credit is allowed for certain foreign taxes paid on such income. Repatriation of earnings from certain foreign subsidiaries would require us to pay tax on certain of these earnings. As repatriation of such earnings is not planned in the foreseeable future, we have not recorded a related deferred tax liability. The taxable temporary differences associated with the repatriation of earnings from investments in certain foreign subsidiaries, branches, associates and interests in joint ventures for which deferred tax liabilities have not been recognized totalled $ billion as at October 31, 2024 ($ billion as at October 31, 2023). Provision for Income Taxes (Canadian $ in millions) 2024 2023 Consolidated Statement of Income Current Provision for income taxes for the current period $         2,055 $         2,220 Adjustments for prior periods – (2 ) Deferred Origination and reversal of temporary differences 150 (687 ) Effect of changes in tax rates 3 (21 ) 2,208 1,510 Other Comprehensive Income and Equity Income tax expense (recovery) related to: Unrealized gains (losses) on FVOCI debt securities 79 (35 ) Reclassification to earnings of (gains) on FVOCI debt securities (31 ) (11 ) Gains (losses) on derivatives designated as cash flow hedges 966 (576 ) Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges 536 366 Unrealized (losses) on hedges of net foreign operations (38 ) (90 ) Unrealized gains on FVOCI equity securities 3 – (Losses) on remeasurement of pension and other employee future benefit plans 1 24 (Losses) on remeasurement of own credit risk on financial liabilities designated at fair value (242 ) (103 ) Share-based compensation (4 ) 4 1,270 (421 ) Total provision for income taxes $ 3,478 $ 1,089 Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Components of Total Provision for Income Taxes (Canadian $ in millions) 2024 2023 Canada: Current taxes      Federal $ 813 $ 509      Provincial 453 278 1,266 787 Canada: Deferred taxes      Federal 133 (475 )      Provincial 74 (261 ) 207 (736 ) Total Canadian 1,473 51 Foreign:  Current taxes 1,764 933      Deferred taxes 241 105 Total foreign 2,005 1,038 Total provision for income taxes $         3,478 $         1,089 Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Reconciliation to Statutory Tax Rate Set out below is a reconciliation of our statutory tax rates and income taxes that would be payable at these rates to the effective tax rates and provision for income taxes that we have recorded in our Consolidated Statement of Income: (Canadian $ in millions, except as noted) 2024 2023 Combined Canadian federal and provincial income taxes at the statutory tax rate $ 2,651 27.8 % $ 1,654 27.8 % Increase (decrease) resulting from: Tax-exempt (45 ) (0.5 ) (265 ) (4.5 ) Foreign operations subject to different tax rates (365 ) (3.8 ) (233 ) (4.0 ) Change in tax rate for deferred taxes 3 – – – Income attributable to investments in associates and joint ventures (36 ) (0.3 ) (31 ) (0.5 ) Net impact of certain Canadian tax measures – – 371 6.3 Other –      –      14      0.3 Provision for income taxes in our Consolidated Statement of Income $    2,208 23.2 % $    1,510 25.4 % Certain comparative figures have been reclassified for changes in accounting policy (Note 1). In fiscal 2023, the Canadian government enacted legislation related to certain tax measures that are applicable to certain Canadian companies in a bank or life insurer group, including a one-time and pro-rated We recorded a one-time in fiscal 2023 pro-rated the Components of Deferred Tax Balances (Canadian $ in millions) Deferred Tax Asset (Liability) Net asset, Benefit (expense) Benefit (expense) Translation Net asset, Allowance for credit losses $          893             $           449 $            – $           1 $        1,343 Employee future benefits 264 3 15 – 282 Deferred compensation benefits 783 (35 ) – 1 749 Other comprehensive income 522 – (298 ) – 224 Premises and equipment (343 ) (136 ) – (1 ) (480 ) Pension benefits (395 ) 73 (16 ) – (338 ) Goodwill and intangible assets (913 ) 107 – 1 (805 ) Securities 987 (119 ) – (1 ) 867 Other 1,606 (495 )  (1) 4 66 1,181 Net deferred tax assets (liabilities) $ 3,404 $ (153 ) $ (295 ) $ 67 $ 3,023 Comprising Deferred tax assets $ 3,420 $ 3,024 Deferred tax liabilities (16 ) (1 ) Net deferred tax assets (liabilities) $ 3,404 $ 3,023 (Canadian $ in millions) Deferred Tax Asset (Liability) Net asset, Bank of the West Benefit (expense) Benefit (expense) Translation Net asset, Allowance for credit losses $ 605 $ 96 $ 182 $ – $ 10 $ 893 Employee future benefits 256 – 21 (14 ) 1 264 Deferred compensation benefits 708 115 (50 ) – 10 783 Other comprehensive income 573 – – (51 ) – 522 Premises and equipment (511 ) (179 ) 359 – (12 ) (343 ) Pension benefits (370 ) 25 (41 ) (9 ) – (395 ) Goodwill and intangible assets (244 ) (767 ) 134 – (36 ) (913 ) Securities 142 1,086 (286 ) – 45 987 Other 281 897  (2) 389  (3) (3 ) 42 1,606 Net deferred tax assets (liabilities) $   1,440 $   1,273 $   708 $   (77 ) $   60 $   3,404 Comprising Deferred tax assets $ 1,542 $ 3,420 Deferred tax liabilities (102 ) (16 ) Net deferred tax assets (liabilities) $ 1,440 $ 3,404 (1) Includes the tax impact of the legal provision reversal recorded in relation to the lawsuit described in Note 25. (2) Includes the tax impact of deferred revenue and purchase accounting adjustments in connection with our acquisition of Bank of the West. (3) Includes the tax impact of interest rate swaps and securities we purchased to mitigate the impact of changes in interest rates in our acquisition of Bank of the West (refer to Note 10 for additional details) and the tax impact of leasing assets. Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Canadian tax authorities have reassessed us for additional income tax and interest in an a mou million in respect of certain 2011 – 2018 Canadian corporate dividends. These reassessments denied certain dividend deductions on the basis that the dividends were received as part of a “dividend rental arrangement”. In general, the tax rules raised by the Canadian tax authorities were prospectively addressed in the 2015 and 2018 Canadian federal budgets. We filed Notices of Appeal with the Tax Court of Canada and the matter is in litigation. We remain of the view that our tax filing positions were appropriate and intend to challenge all reassessments. However, if such challenges are unsuccessful, the additional expense would negatively impact our net income.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Oct. 31, 2024
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Earnings Per Share	Note 24: Earnings Per Share Basic earnings per share is calculated by dividing net income attributable to bank shareholders, after deducting dividends payable on preferred shares and distributions payable on other equity instruments, by the daily average number of fully paid common shares outstanding throughout the year. Diluted earnings per share is calculated in the same manner, with further adjustments made to reflect the dilutive impact The following table presents our basic and diluted earnings per share: Basic Earnings Per Common Share (Canadian $ in millions, except as noted) 2024 2023 Net income attributable to bank shareholders $ 7,318 $ 4,425 Dividends on preferred shares and distributions on other equity instruments (386 ) (331 ) Net income available to common shareholders $ 6,932 $ 4,094 Weighted-average number of common shares outstanding (in thousands) 727,738 709,364 Basic earnings per common share (Canadian $) $ 9.52 $ 5.77 Diluted Earnings Per Common Share (Canadian $ in millions, except as noted) 2024 2023 Net income available to common shareholders $ 6,932 $ 4,094 Weighted-average number of common shares outstanding (in thousands)     727,738     709,364 Effect of dilutive instruments Stock options potentially exercisable (1) 3,556 4,440 Common shares potentially repurchased (2,759 ) (3,289 ) Weighted-average number of diluted common shares outstanding (in thousands) 728,535 710,515 Diluted earnings per common share (Canadian $) $ 9.51 $ 5.76 (1) In computing diluted earnings per common share, we excluded average stock options outstanding of 3,220,995 with a weighted-average exercise price of $130.33 for the year ended October 31, 2024 (2,204,402 with a weighted-average exercise price of $135.69 for the year ended October 31, 2023), as the average share price in each of the two years did not exceed the exercise price. Certain comparative figures have been reclassified for changes in accounting policy (Note 1).

Commitments, Guarantees, Pledge

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities	Note 25: Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities In the ordinary course of business, we enter into a variety of contracts under which we may be required to make payments to reimburse a counterparty for a loss if a third party does not perform according to the terms of a contract or does not make payments when due under the terms of a debt instrument, and contracts under which we provide indirect guarantees of the indebtedness of another party, all of which are considered guarantees. Guarantees that qualify as derivatives are accounted for in accordance with the policy for derivative instruments (refer to Note 8). For guarantees that do not qualify as derivatives, a liability is initially recorded at fair value, which is generally the fee received. Subsequently, guarantees are recorded at the higher of initial fair value, less amortization to recognize any fee income earned over the period, and our best estimate of the amount required to settle the obligation. Any change in the liability is recorded in our Consolidated Statement of Income. We enter into a variety of commitments, including off-balance A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. We strive to limit our exposure to credit risk by dealing only with counterparties that we believe are creditworthy, and we manage our credit risk for these instruments using the same credit risk process that we apply to loans and other credit assets. The maximum amounts payable related to our various commitments are as follows: (Canadian $ in millions) 2024 2023 Financial Guarantees Standby letters of credit $ 30,523 $ 29,656 Credit default swaps (1) 16,211 10,010 Other Credit Instruments Backstop liquidity facilities 18,224 18,805 Documentary and commercial letters of credit 1,893 1,763 Commitments to extend credit (2) 230,689 218,094 Other commitments (3) 10,093 9,947 Total $     307,633 $     288,275 (1) The fair value of the related derivatives included in our Consolidated Balance Sheet was $8 million as at October 31, 2024 ($3 million as at October 31, 2023). (2) Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion. (3) Other commitments include $4,511 million as at October 31, 2024 ($5,611 million as at October 31, 2023) of underwriting commitments that are extended but not yet accepted by the borrower. Financial Guarantees Standby letters of credit represent our obligation to make payments to third parties on behalf of customers if they are unable to make the required payments or meet other contractual requirements. The majority have a term of one year or less. Collateral requirements for standby letters of credit and guarantees are consistent with our collateral requirements for loans. Standby letters of credit and guarantees include our guarantee of a subsidiary’s debt provided directly to a third party. Written credit default swaps require us to compensate a counterparty following the occurrence of a credit event in relation to a specified reference obligation, such as a bond or a loan. The terms of these contracts range from less than 1 year to over 10 years. Refer to Note 8 for additional details. Other Credit Instruments Backstop liquidity facilities are provided to ABCP programs administered by us as an alternative source of financing when ABCP markets cannot be accessed. The terms of the backstop liquidity facilities do not require us to advance money to these programs in the event of insolvency of the borrower. The average term of these liquidity facilities is approximately 1 to 5 years. Documentary and commercial letters of credit represent our agreement to honour drafts presented by a third party upon completion of specific activities. Commitments to extend credit represent our commitment to customers to grant them credit in the form of loans or other financings for specific amounts and maturities, subject to their meeting certain conditions. Other commitments include commitments to fund external private equity funds and investments in equity and debt securities at market value at the time the commitments are drawn. In addition, we act as underwriter for certain new issuances under which we, alone or together with a syndicate of financial institutions, purchase the new issue for resale to investors. Indemnification Agreements In the normal course of operations, we enter into various agreements that provide general indemnifications. These indemnifications typically occur in connection with sales of assets, securities offerings, service contracts, director contracts, membership agreements, clearing arrangements, derivative contracts and leasing transactions. Based on historical experience, we expect the risk of loss to be remote. Exchange and Clearinghouse Guarantees We are a member of several securities and futures exchanges and central counterparties. Membership in certain of these organizations may require us to pay a pro rata share of the losses incurred by the organization in the event of default by another member. It is difficult to estimate our maximum exposure under these membership agreements, since this would require an assessment of future claims that may be made against us that have not yet occurred. Based on historical experience, we expect the risk of material loss to be remote. Pledged Assets and Collateral In the ordinary course of business, we enter into trading, lending and borrowing activities that require us to pledge assets or provide collateral. Pledging and collateral transactions are typically conducted under terms and conditions that are usual and customary to these activities. If there is no default, the securities or their equivalents must be returned by the pledgee upon satisfaction of the obligation. The following tables summarize our pledged assets and collateral, and the activities to which they relate (Canadian $ in millions) 2024 2023 Bank Assets Cash and due from banks $ 80 $ 125 Securities (1)     139,553     114,407 Loans 71,419 94,442 Other assets 10,314 10,596 221,366 219,570 Third-party Assets (2) Collateral received and available for sale or re-pledging 195,071 191,148 Less: Collateral not sold or re-pledged (45,087 ) (46,331 ) 149,984 144,817 Total pledged assets and collateral $ 371,350 $ 364,387 (Canadian $ in millions) 2024 2023 Uses of pledged assets and collateral Clearing systems, payment systems and depositories $ 26,203 $ 18,096 Foreign governments and central banks 46 89 Obligations related to securities sold short 35,030 43,774 Obligations related to securities sold under repurchase agreements 97,878 92,549 Securities borrowing and lending (3) 99,405 87,136 Derivatives transactions 19,224 14,983 Securitization 23,739 27,058 Covered bonds 27,235 29,802 Other (4) 42,590 50,900 Total pledged assets and collateral $ 371,350 $ 364,387 (1) Includes NHA MBS of $5,492 million, which are included in loans in our Consolidated Balance Sheet ($4,481 million as at October 31, 2023). (2) Includes on-balance off-balance (3) Includes off-balance (4) Includes $21,235 million of assets that have been pledged supporting FHLB activity ($41,510 million as at October 31, 2023). Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Lease Commitments We have entered into a number of non-cancellable $ million as at October 31, 2024 ($ million as at October 31, 2023). Provisions and Contingent Liabilities Provisions are recognized when we have a legal or constructive obligation as a result of past events, such as contractual commitments, legal or other obligations for which we can reliably estimate the related amount, and it is probable we will be required to settle the obligation. We recognize as a provision our best estimate of the amount required to settle the obligations as of the balance sheet date, taking into account the risks and uncertainties surrounding the obligations. Provisions are recorded in other liabilities in our Consolidated Balance Sheet. Contingent liabilities are potential obligations arising from past events, the existence of which will only be confirmed by the occurrence or non-occurrence Legal Proceedings The bank and its subsidiaries are party to legal proceedings, including regulatory investigations, in the ordinary course of business. We review the status of these proceedings regularly and establish provisions when in our judgment it becomes probable that we will incur a loss and the amount can be reliably estimated. The bank’s provisions represent our best estimates based upon currently available information for proceedings for which estimates can be made. However, the bank’s provisions may differ significantly from the actual losses incurred as a result of, for example, the inherent uncertainty of the various potential outcomes of such proceedings; the varying stages of the proceedings; the existence of multiple defendants whose share of liability may not yet have been determined; unresolved issues in such proceedings, some of which involve novel legal theories and interpretations; the fact that the underlying matters will change from time to time; and such proceedings may involve very large or indeterminate damages. While it is inherently difficult to predict the ultimate outcome of these proceedings, based on our current knowledge, we do not expect the outcome of any of these proceedings, individually or in the aggregate, to have a material adverse effect on the consolidated financial position or the results of operations of the bank. However, because of the factors listed above, as well as other uncertainties inherent in litigation and regulatory matters, there is a possibility that the ultimate resolution of legal proceedings or regulatory investigations may be material to the bank’s consolidated financial position or its results of operations for any particular reporting period. BMO Bank National Association (BBNA), formerly BMO Harris Bank N.A., as successor to M&I Marshall and Ilsley Bank (M&I), was named as the defendant in a lawsuit filed in the U.S. Bankruptcy Court for the District of Minnesota (Bankruptcy Court) in connection with a Ponzi scheme carried out by Thomas J. Petters and certain affiliated individuals and entities (collectively, Petters). The lawsuit, brought by a Trustee in bankruptcy proceedings for certain Petters entities, alleged that between 1999 and 2008, M&I (and a predecessor bank) helped facilitate the Ponzi scheme operated by Petters. On November 8, 2022, a jury awarded damages of approximately US$ million against BBNA. On June 27, 2023, BBNA filed its notice of appeal with the United States Court of Appeals for the Eighth Circuit to contest the jury verdict and award. On August 22, 2023, the trial court awarded the plaintiff approximately million in pre-judgment t % and pre-judgment % . On September 12, 2024, the Court of Appeals reversed the trial court judgment, finding that BBNA had a valid legal defence that extinguished the Trustee’s claim. The appellate court directed the trial court to enter judgment for BBNA. As a result of this outcome, in accordance with applicable accounting standards, BMO reversed its provision of $ million ($ million after-tax), comprising $ million in non-interest expense, other and $ million in interest expense, other liabilities. On October 24, 2024, the plaintiff filed a petition asking the Court of Appeals to reconsider the judgment entered in BBNA’s favour. On November 14, 2024, the Court of Appeals denied this request. Restructuring and Severance Charges Provisions for restructuring and severance charges relate to costs incurred related to the integration of Bank of the West and accelerating operational efficiencies across the enterprise. This represents our best estimate of the amount that will ultimately be paid out. Changes in the provision balance during the year were as follows: (Canadian $ in millions) 2024 2023 Restructuring and Legal Total Restructuring and Legal Total Balance at beginning of year $        335 $         1,243 $        1,578 $ 109 $ 1,168 $ 1,277 Additional provisions/increase in provisions 101 67 168 388 188 576 Provisions utilized (210 ) (19 ) (229 )        (142 ) (116 ) (258 ) Amounts reversed (59 ) (1,196 ) (1,255 ) (27 ) (11 ) (38 ) Foreign exchange and other (3 ) – (3 ) 7 14 21 Balance at end of year $ 164 $ 95 $ 259 $ 335 $       1,243 $       1,578

Operating and Geographic Segmen

Operating and Geographic Segmentation	12 Months Ended
	Oct. 31, 2024
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Operating and Geographic Segmentation	Note 26: Operating and Geographic Segmentation Operating Groups We conduct our business through three operating groups, each of which has a distinct mandate. Our operating groups reflect our organizational and management structure and therefore these groups, and the results attributed to them, may not be comparable with those of other financial services companies. We evaluate the performance of our operating groups using reported and adjusted measures, such as net income, revenue growth, return on equity and non-interest expense-to-revenue Personal and Commercial Banking P&C comprises Canadian Personal and Commercial Banking Canadian P&C provides a full range of financial products and services to nearly eight million customers. Personal and Business Banking provides U.S. Personal and Commercial Banking U.S. P&C provides financial products and services to four million customers. Personal and Business Banking provides financial solutions through a network of nearly BMO Wealth Management BMO WM serves a full range of client segments, from mainstream to ultra high net worth and institutional, with a broad offering of wealth management products and services, including insurance products. BMO Capital Markets BMO CM offers a comprehensive range of products and services to corporate, institutional and government clients. Through our Investment and Corporate Banking and Global Markets lines of business, there are approximately Corporate Services Corporate Services consists of Corporate Units and Technology and Operations (T&O). Corporate Units provide enterprise-wide expertise, governance and support in a variety of areas, including strategic planning, risk management, finance, legal and regulatory compliance, human resources, communications, marketing, real estate and procurement. T&O develops, monitors, manages and maintains governance of information technology including data and analytics, and also provides cybersecurity and operations services. The costs of these Corporate Units and T&O services are largely transferred to the three operating groups (P&C, BMO WM and BMO CM), with any remaining amounts retained in Corporate Services results. As such, Corporate Services results largely reflect the impact of residual unallocated expenses, residual treasury-related activities and the elimination of taxable equivalent adjustments. We review our expense allocation methodologies annually and update these as appropriate. Basis of Presentation The results of these operating groups are based on our internal financial reporting systems. The accounting policies used in these segments are generally consistent with those followed in the preparation of our consolidated financial statements, as disclosed in Note 1 and throughout the consolidated financial statements. Income taxes presented below may not be reflective of taxes paid in each jurisdiction in which we operate. Income taxes are generally applied to each segment based on a statutory tax rate and may be adjusted for items and activities specific to each segment. A notable accounting measurement difference is the taxable equivalent basis adjustment, as described below. Periodically, certain business lines and units within the business lines are transferred between client and corporate support groups in order to more Taxable Equivalent Basis 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 tax-exempt of Inter-Group Allocations Various estimates and allocation methodologies are used in the preparation of the operating groups’ financial information. Overhead expenses are allocated to operating groups using allocation formulas applied on a consistent basis. Operating group net interest income reflects internal funding charges and credits on the groups’ assets, liabilities and capital at market rates, taking into account relevant terms and currency considerations. The offset of the net impact of these charges and credits is reflected in Corporate Services. These inter-group allocations are also applied to the geographic segmentation. Our results and average assets, grouped by operating segment, are as follows: (Canadian $ in millions) Canadian P&C U.S. P&C BMO WM BMO CM Corporate 2024 Total Net interest income (2) $ 8,852 $ 8,162 $ 1,313 $ 1,731 $ (590 ) $ 19,468 Non-interest 2,587 1,602 4,333 4,785 20 13,327 Total Revenue 11,439 9,764 5,646 6,516 (570 ) 32,795 Provision for credit losses on impaired loans 1,326 1,274 26 367 73 3,066 Provision for (recovery of) credit losses on performing loans 333 389 5 2 (34 ) 695 Total provision for credit losses 1,659 1,663 31 369 39 3,761 Depreciation and amortization 590 957 264 299 – 2,110 Non-interest 4,415 4,941 3,704 3,979 350 17,389 Income (loss) before taxes and non-controlling 4,775 2,203 1,647 1,869 (959 ) 9,535 Provision for (recovery of) income taxes 1,318 374 399 377 (260 ) 2,208 Reported net income (loss) $ 3,457 $ 1,829 $ 1,248 $ 1,492 $ (699 ) $ 7,327 Non-controlling $ – $ 2 $ – $ – $ 7 $ 9 Net income (loss) attributable to bank shareholders $ 3,457 $ 1,827 $ 1,248 $ 1,492 $ (706 ) $ 7,318 Average assets (3) $ 327,883 $ 236,341 $ 64,674 $ 468,963 $ 271,554 $ 1,369,415 Canadian P&C U.S. P&C BMO WM BMO CM Corporate 2023 Total Net interest income (2) $ 8,043 $ 7,607 $ 1,380 $ 2,490 $ (839 ) $ 18,681 Non-interest 2,516 1,573 4,031 3,902 (1,444 ) 10,578 Total Revenue 10,559 9,180 5,411 6,392 (2,283 ) 29,259 Provision for credit losses on impaired loans 724 364 5 9 78 1,180 Provision for credit losses on performing loans 185 142 13 9 649 998 Total provision for credit losses 909 506 18 18 727 2,178 Depreciation and amortization 573 891 288 340 – 2,092 Non-interest 4,150 4,553 3,590 3,938 2,811 19,042 Income (loss) before taxes and non-controlling 4,927 3,230 1,515 2,096 (5,821 ) 5,947 Provision for (recovery of) income taxes 1,354 741 369 471 (1,425 ) 1,510 Reported net income (loss) $ 3,573 $ 2,489 $ 1,146 $ 1,625 $ (4,396 ) $ 4,437 Non-controlling $ – $ 6 $ – $ – $ 6 $ 12 Net income (loss) attributable to bank shareholders $ 3,573 $ 2,483 $ 1,146 $ 1,625   $ (4,402 ) $ 4,425 Average assets (3) $    310,323 $    211,864 $     60,092 $    466,030 $     251,215 $  1,299,524 (1) Corporate Services includes T&O. (2) Operating groups report on a teb – see Basis of Presentation section. (3) Included within average assets are average earning assets, which comprise 2024 Certain comparative figures have been reclassified to conform with the current year’s presentation and for changes in accounting policy (Note 1). Geographic Information We operate primarily in Canada and the United States, but we also have operations in the United Kingdom, Europe, the Caribbean and Asia, which are grouped within other countries in the table below. We allocate our results by geographic region based on the location of the unit responsible for managing the related assets, liabilities, revenues and expenses. Our results and average assets, grouped by geographic region, are as follows: (Canadian $ in millions) 2024 Canada United States Other countries Total Total Revenue $ 16,107 $ 14,465 $ 2,223 $ 32,795 Income before taxes 4,434 3,547 1,554 9,535 Reported net income 3,199 2,865 1,263 7,327 Average Assets 692,750 613,098 63,567 1,369,415 2023 Total Revenue $ 15,087 $ 11,836 $ 2,336   $ 29,259 Income (loss) before taxes 4,635 (176 ) 1,488 5,947 Reported net income 3,194 29 1,214 4,437 Average Assets    665,025    572,434      62,065  1,299,524 Certain comparative figures have been reclassified to conform with the current year’s presentation and for changes in accounting policy (Note 1).

Significant Subsidiaries

Significant Subsidiaries	12 Months Ended
	Oct. 31, 2024
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Significant Subsidiaries	Note 27: Significant Subsidiaries As at October 31, 2024, the bank, either directly or indirectly through its subsidiaries, controls the following significant operating subsidiaries. Significant subsidiaries (1) (2) Head or principal office Book value of shares owned by the bank (Canadian $ in millions) AIR MILES Loyalty Inc. Toronto, Canada $ 157 Bank of Montreal (China) Co. Ltd. Beijing, China 501 B ank of Montreal Europe Public Limited Company Dublin, Ireland 1,319 Bank of Montreal Holding Inc. and subsidiaries, including: Toronto, Canada                   35,530 Bank of Montreal Mortgage Corporation Calgary, Canada BMO Mortgage Corp. Vancouver, Canada BMO Investments Inc. Toronto, Canada BMO Investments Limited Hamilton, Bermuda BMO Reinsurance Limited St. Michael, Barbados BMO InvestorLine Inc. Toronto, Canada BMO Nesbitt Burns Inc. Toronto, Canada BMO Private Equity (Canada) Inc. Toronto, Canada BMO Capital Markets Limited London, England 361 BMO Capital Partners Inc. Toronto, Canada 936 BMO Financial Corp. and subsidiaries, including: Chicago, United States 54,698 BMO Bank National Association Chicago, United States BMO Capital Markets Corp. New York, United States BMO Japan Securities Ltd. Tokyo, Japan 6 BMO Life Insurance Company and subsidiaries, including: Toronto, Canada 1,246 BMO Life Holdings (Canada), ULC Halifax, Canada BMO Life Assurance Company Toronto, Canada BMO Trust Company Toronto, Canada 543 (1) Each subsidiary is incorporated or organized under the laws of the state or country in which the principal office is situated, except for BMO Financial Corp. and BMO Capital Markets Corp., which are incorporated under the laws of the state of Delaware, United States. (2) Unless otherwise noted, the bank, either directly or indirectly through its subsidiaries, owns 100% of the outstanding voting shares of each subsidiary. Significant Restrictions Our ability to transfer funds between our subsidiaries may be restricted by statutory, contractual, capital and regulatory requirements • Assets pledged as security for various liabilities we incur. Refer to Note 25 for details. • Assets of our consolidated SEs that are held for the benefit of the note holders. Refer to Note 7 for details. • Assets held by our insurance subsidiaries. Refer to Note 15 for details. • Regulatory and statutory requirements that reflect capital and liquidity requirements. • Funds required to be held with certain central banks, regulatory bodies and counterparties. Refer to Note 2 for details.

Related Party Transactions

Related Party Transactions	12 Months Ended
	Oct. 31, 2024
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Related Party Transactions	Note 28: Related Party Transactions Related parties include subsidiaries, joint ventures, associates, employee future benefit plans and key management personnel and their close family members. Close family members include spouses, common-law Key Management Personnel and Their Close Family Members Key management personnel is defined as those persons having authority and responsibility for planning, directing and/or controlling the activities of an entity, being the members of our Board of Directors (directors) and certain senior executives. The following table presents the compensation of our key management personnel: (Canadian $ in millions) 2024 2023 Base salary and incentives $             20 $            22 Post-employment benefits 2 2 Share-based payments (1) 37 49 Total key management personnel compensation $ 59 $ 73 (1) Amounts included in share-based payments are the fair values of awards granted in the year. We offer senior executives market interest rates on credit card balances, a fee-based ACL on impaired loans related to these amounts as at October 31, 2024 and 2023. Directors receive a specified amount of their annual retainer in deferred stock units. Until a director’s shareholdings (including deferred stock units) are eleven times greater than their annual retainer, they are required to take 100% of their annual retainer and other fees in the form of either our common shares or deferred stock units. Once the shareholding requirements have been met, directors may elect to receive the remainder of such retainer fees and other remuneration in cash, common shares or deferred stock units. Directors of our wholly-owned subsidiary, BMO Financial Corp., are required to take a specified minimum amount of their annual retainer and other fees in the form of deferred stock units. Joint Ventures and Associates We provide banking services to our joint ventures and associates on the same terms offered to our customers for these services. The following table presents the carrying amount of our interests in joint ventures and associates accounted for under the equity method, as well as our share of the income of those entities: (Canadian $ in millions) Joint ventures Associates 2024 2023 2024 2023 Carrying amount $       907 $       679 $       820 $       782 Share of net income 93 61 114 124 We do not have any joint ventures or associates that are individually material to our consolidated financial statements. The following table presents transactions with our joint ventures and associates: (Canadian $ in millions) 2024 2023 Loans (1) (2)                         $      1,864 $     1,525 Deposits 241 265 Fees paid for services received 66 58 Guarantees and commitments 210 98 (1) Includes customers’ liability under acceptances. (2) We had no ACL on impaired loans related to these amounts as at October 31, 2024 and 2023.

Accounting Policies (Policies)

Accounting Policies (Policies)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Basis of Consolidation	Basis of Consolidation These consolidated financial statements are inclusive of the financial statements of our subsidiaries as at October 31, 2024. We conduct business through a variety of corporate structures, including subsidiaries, structured entities (SEs), associates and joint ventures. Subsidiaries are those entities where we exercise control through our ownership of the majority of the voting shares. We also hold interests in SEs, which we consolidate when we control the SEs. These are more fully described in Note 7. All of the assets, liabilities, revenues and expenses of our subsidiaries and consolidated SEs are included in our consolidated financial statements. All intercompany transactions and balances are eliminated on consolidation. We hold investments in associates, where we exert significant influence over operating and financing decisions (generally companies in which we own between 20% and 50% of the voting shares). These are accounted for using the equity method. The equity method is also applied to our investments in joint ventures, which are entities where we exercise joint control through an agreement with other shareholders. Under the equity method of accounting, investments are initially recorded at cost, and the carrying amount is increased or decreased to recognize our share of an investee’s net income or loss, including other comprehensive income or loss. Additional information regarding accounting for investments in associates and joint ventures is included in Note 12.
Translation of Foreign Currencies	Translation of Foreign Currencies We conduct business in a variety of foreign currencies and present our consolidated financial statements in Canadian dollars, which is our functional currency. Monetary assets and liabilities, as well as non-monetary Non-monetary Unrealized gains and losses arising from translating our net investment in foreign operations into Canadian dollars, net of related hedging activities and applicable income taxes, are included in our Consolidated Statement of Comprehensive Income within net gains on translation of net foreign operations. When we dispose of a foreign operation such that control, significant influence or joint control is lost, the cumulative amount of the gain (loss) on translation and any applicable hedging activities and related income taxes is reclassified to our Consolidated Statement of Income as part of the gain or loss on disposition. Foreign currency translation gains and losses on equity securities measured at FVOCI that are denominated in foreign currencies are included in accumulated other comprehensive income on FVOCI equity securities, net of taxes, in our Consolidated Statement of Changes in Equity. All other foreign currency translation gains and losses are included in foreign exchange gains, other than trading, in our Consolidated Statement of Income as they arise. From time to time, we enter into foreign exchange hedge contracts to reduce our exposure to changes in the value of foreign currencies. Realized and unrealized gains and losses that arise on the mark-to-market non-interest
Revenue	Revenue Dividend Income Dividend income is recognized when the right to receive payment is established. This is the ex-dividend Fee Income Fee income is recognized based on the purpose of the fee and the terms specified in the contract with customers, generally when we have completed our obligations as specified in the contract. Payment is typically due when our obligation has been satisfied or shortly thereafter, so there is generally no significant financing component associated with payments due to us. For contracts where the transaction price includes variable consideration, revenue is only recognized to the extent that it is highly probable. When another party is involved in providing a service to a customer, we determine whether we act as a principal or an agent, which may require judgment. If we act as a principal (i.e. when we control the services in the contract before they are transferred to customers), we present revenue separately from the amount paid to the other party; otherwise, we present revenue net of the amount paid to the other party. Securities commissions and fees Deposit and payment service charges Card fees Investment management and custodial fees Mutual fund revenues Underwriting and advisory fees
Leases – Bank as a lessor	Leases We are lessors in both financing leases and operating leases. Leases are classified as financing leases if they transfer substantially all the risks and rewards incidental to ownership of the leased asset to the lessee. Otherwise they are classified as operating leases, as we retain substantially all the risks and rewards of asset ownership. As lessor in a financing lease, a loan is recognized equal to the investment in the lease, which is calculated as the present value of the minimum payments to be received from the lessee, discounted at the interest rate implicit in the lease, plus any unguaranteed residual value we expect to recover at the end of the lease. Finance lease income is recognized in interest, dividend and fee income, loans, in our Consolidated Statement of Income. Assets under operating leases are recorded in other assets in our Consolidated Balance Sheet. Rental income is recognized on a straight-line basis over the term of the lease in non-interest non-interest Refer to Note 9 for our policy on lessee accounting.
Assets Held-for-Sale	Assets Held-for-Sale Non-current non-financial held-for-sale non-current non-interest
Interbank Offered Rate Reform – Phase 2 Amendments	Interbank Offered Rate Reform – Phase 2 Amendments Effective November 1, 2020, we early adopted the IASB’s IBOR Phase 2 amendments to IFRS 9 Financial Instruments Financial Instruments: Recognition and Measurement Financial Instruments: Disclosures Insurance Contracts Leases. The following table presents quantitative information as at October 31, 2023, which includes financial instruments that referenced remaining CDOR and BA rate settings, or demand facilities that were subject to remediation to amend the benchmark interest rate. BMO has transitioned all exposure to CDOR settings to ARRs as at October 31, 2024. (Canadian $ in millions) 2023 Non-derivative (1) $ 44,370 Non-derivative (1) 4,584 Derivative notional amounts (2) (3)     1,779,140 Authorized and committed loan commitments (4) (5) (6) 55,548 (1) All amounts presented based on contractual amounts outstanding at October 31, 2023, with the exception of securities, recorded in non-derivative (2) Notional amounts represent the amount to which a rate or price is applied in order to calculate the amount of cash that must be exchanged under the contract. Notional amounts do not represent assets or liabilities and therefore are not recorded in our Consolidated Balance Sheet. (3) Includes certain cross-currency swap positions where both the pay and receive legs referenced a CDOR or BA rate. For those derivatives, the table above includes the notional amounts for both the pay and receive legs in the relevant columns aligning with the CDOR or BA rate exposure. (4) Excludes personal lines of credit and credit cards that are unconditionally cancellable at our discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. (5) Includes loan commitments where our customers have the option to draw from their facility in multiple currencies. Amounts drawn will be subject to prevailing IBORs for the foreign currency, including those that are in scope of IBOR reform. (6) Commitments include backstop liquidity facilities provided by the bank to external parties.
Use of Estimates and Judgments	Use of Estimates and Judgments The preparation of the consolidated financial statements requires management to make estimates and judgments that affect the carrying amounts of certain assets and liabilities, certain amounts reported in net income and other related disclosures. The most significant assets and liabilities for which we must make estimates and judgments include the allowance for credit losses (ACL); financial instruments measured at fair value; pension and other employee future benefits; impairment of securities and investments in associates and joint ventures; income taxes and deferred tax assets; goodwill and intangible assets; insurance contract liabilities; provisions, including legal proceedings and restructuring charges; transfers of financial assets; consolidation of SEs; and the valuation of the assets and liabilities related to our acquisition of Bank of the West. We make judgments in assessing the business model for financial assets, as well as whether substantially all risks and rewards have been transferred in respect of transfers of financial assets and whether we control SEs, as discussed in Notes 6 and 7, respectively. If actual results were to differ from the estimates, the impact would be recorded in future periods. The economic outlook is subject to several risks that could lead to a less favourable outcome for the North American economy. These include potential higher tariffs on U.S. imports, an escalation of conflicts in the Middle East and Ukraine, heightened tensions between the United States and China over trade relations and Taiwan, tensions between Canada and India, and a possible strike by U.S. East and Gulf Coast dockworkers in January 2025. In addition, the Canadian dollar faces downside risks from possible U.S. tariffs and the upcoming renegotiation of the Canada-United States-Mexico Trade Agreement (CUSMA) in 2026. The impacts on our business, results of operations, reputation, financial performance and condition, including the potential for credit, counterparty and mark-to-market Allowance for Credit Losses The expected credit loss (ECL) model requires the recognition of credit losses generally based on 12 months of expected losses for performing loans and the recognition of lifetime losses on performing loans that have experienced a significant increase in credit risk since origination. The determination of a significant increase in credit risk takes into account many different factors and varies by product and risk segment. The bank’s methodology for determining a significant increase in credit risk is based on the change in probability of default (PD) between origination and reporting date, assessed using probability-weighted scenarios, as well as certain other criteria, such as 30 days past due and watchlist status. The assessment of a significant increase in credit risk requires experienced credit judgment. In determining whether there has been a significant increase in credit risk and in calculating the amount of ECL, we must rely on estimates and exercise judgment regarding matters for which the ultimate outcome is unknown. These judgments include changes in circumstances that may cause future assessments of credit risk to be materially different from current assessments, which could require an increase or decrease in the ACL. The calculation of ECL includes the explicit incorporation of forecasts of future economic conditions. We have developed models incorporating specific macroeconomic variables that are relevant to each portfolio. Key economic variables for our retail portfolios include our primary operating markets of Canada and the United States, and regional markets where considered significant. Forecasts are developed internally by our Economics group, considering external data and our view of future economic conditions. We exercise experienced credit judgment to incorporate multiple economic forecasts, which are probability-weighted in the determination of the final ECL. The allowance is sensitive to changes in both economic forecasts and the probability weight assigned to each forecast scenario. Additional information regarding the ACL is included in Note 4. Financial Instruments Measured at Fair Value Fair value measurement techniques are used to value various financial assets and financial liabilities, and are also used in performing impairment testing on certain non-financial Additional information regarding our fair value measurement techniques is included in Note 18. Pension and Other Employee Future Benefits Our pension and other employee future benefit expense is calculated by our independent actuaries using assumptions determined by management. If actual experience were to differ from the assumptions used, we would recognize this difference in other comprehensive income. Pension and other employee future benefit expense, plan assets and defined benefit obligations are also sensitive to changes in discount rates. We determine discount rates for all of our plans using high-quality AA-rated corporate bond yields with terms matching the plans’ specific cash flows. Additional information regarding our accounting for pension and other employee future benefits is included in Note 22. Impairment of Securities and Investments in Associates and Joint Ventures Debt securities measured at amortized cost or FVOCI are assessed for impairment using the ECL model. For securities determined to have low credit risk, the ACL is measured at an amount equal to 12-month We review our investments in associates and joint ventures, included within other assets, at each quarter-end reporting period in order to identify and evaluate any investments that show indications of possible impairment. For these investments, a significant or prolonged decline in fair value to an amount below their cost is objective evidence of impairment. Additional information regarding our accounting for debt securities measured at amortized cost or FVOCI and investments in associates and joint ventures, ACL and the determination of fair value is included in Notes 3, 12 and 18. Income Taxes and Deferred Tax Assets The provision for income taxes is calculated based on the expected tax treatment of transactions recorded in either our Consolidated Statement of Income, our Consolidated Statement of Comprehensive Income or our Consolidated Statement of Changes in Equity. In determining the provision for income taxes, we interpret tax legislation, case law and administrative positions in numerous jurisdictions and, based on our judgment, record our estimate of the amount required to settle tax obligations. We also make assumptions about the expected timing of the reversal of deferred tax assets and liabilities. If our interpretations and assumptions differ from those of tax authorities, or if the timing of reversals is not as expected, our provision for income taxes could increase or decrease in future periods. The amount of any such increase or decrease cannot be reasonably estimated. Deferred tax assets are recognized only when it is probable that sufficient taxable profit will be available in future periods against which deductible temporary differences or unused tax losses and tax credits may be utilized. We are required to assess whether it is probable that our deferred tax assets will be realized. The factors used to assess the probability of realization are our past experience of income and capital gains, our forecast of future net income before taxes, and the remaining expiration period of tax loss carryforwards and tax credits. Changes in our assessment of these factors could increase or decrease our provision for income taxes in future periods. Additional information regarding our accounting for income taxes is included in Note 23. Goodwill and Intangible Assets For the purpose of impairment testing, goodwill is allocated to our groups of cash-generating units (CGUs), which represent the lowest level within the bank at which goodwill is monitored for internal management purposes. Impairment testing is performed at least annually, by comparing the carrying values and the recoverable amounts of the CGUs to which goodwill has been allocated to determine whether the recoverable amount of each group is greater than its carrying value. If the carrying value of the group were to exceed its recoverable amount, an impairment calculation would be performed. The recoverable amount of a CGU is the higher of its fair value less costs to sell and value in use. In determining fair value less costs to sell, we employ a discounted cash flow model consistent with those we use when we acquire a business. This model is dependent on assumptions related to revenue growth, discount rates, synergies achieved on acquisition and the availability of comparable acquisition data. Changes in any of these assumptions would affect the determination of fair value for each CGU in a different manner. We exercise judgment and make assumptions in determining fair value less costs to sell, and differences in judgment and assumptions could affect the determination of fair value and any resulting impairment write-down. Intangible assets with a definite life are amortized to income on either a straight-line or an accelerated basis over a period not exceeding 15 Additional information regarding goodwill and intangible assets is included in Note 11. Insurance Contract Liabilities Insurance contract liabilities represent estimates of fulfilment cash flows, which include a risk adjustment, and the contractual service margin (CSM). Fulfilment cash flows include estimates of future cash flows related to the remaining coverage period and for previously incurred claims, which are then discounted and probability-weighted. This is based on non-financial non-financial Additional information regarding insurance contract liabilities is included in Note 15. Provisions A provision, including those for legal proceedings and restructuring charges, is recognized if, as a result of a past event, the bank has a present legal or constructive obligation that can be estimated reliably, and it is probable that an outflow of economic benefits will be required to settle the obligation. A provision is recorded at the best estimate of the amount required to settle an obligation as at the balance sheet date, taking into consideration the risks and uncertainties associated with the obligation. Management and external experts are involved in estimating any provision, as necessary. The actual costs of settling some obligations may be substantially higher or lower than the amount of the provisions. Additional information regarding provisions is included in Note 25. Transfers of Financial Assets We enter into transactions in which we transfer financial assets, typically loans or mortgage-backed securities, to a structured entity or third party to obtain alternate sources of funding or as part of our trading activities. We assess whether substantially all of the risks and rewards of, or control over, the assets have been transferred in order to determine whether they qualify for derecognition. Where we continue to be exposed to substantially all of the prepayment, interest rate and/or credit risk associated with the securitized assets, they do not qualify for derecognition. We continue to recognize the assets and the related cash proceeds as secured financing in our Consolidated Balance Sheet. Additional information regarding transferred financial assets is included in Note 6. Consolidation of Structured Entities The securitization vehicles we sponsor typically have limited decision-making authority. The structure of these vehicles limits the activities they can undertake, the types of assets they can hold and the funding of their activities. We control and consolidate these vehicles when we have the key decision-making powers necessary to obtain the majority of the benefits from their activities. For certain investments in limited partnerships, we exercise judgment in determining whether we control an entity. Based on an assessment of our interests and rights, we have determined that we do not control certain entities, even though we may have an ownership interest greater than 50%. This may be the case when we are not the general partner in an arrangement and the general partner’s rights most significantly affect the returns of the entity. Additionally, we have determined that we control certain entities despite having an ownership interest of less than 50%. This may be the case when we are the general partner in an arrangement and the general partner’s rights most significantly affect the returns of the entity. Additional information regarding SEs is included in Notes 7 and 21. Acquisition of Bank of the West – Valuation of Assets and Liabilities Significant judgments and assumptions were used in determining the fair value of the Bank of the West assets acquired and liabilities assumed, including the loan portfolio, core-deposit and other relationship intangible assets and fixed maturity deposits. For loans, the determination of fair value involved estimating the cash flows that are expected to be received on all purchased loans and discounting these back to their present value. We estimated expected cash flows based on models that incorporate management’s best estimate of current key assumptions such as default rates, loss severity, timing of prepayments and collateral. In determining the discount rate, we considered various factors, including our cost to raise funds in the current market, the risk premium associated with the loans and the cost to service the portfolios. For core-deposit intangible assets, fair value was determined using a discounted cash flow approach, comparing the present value of the cost to maintain the acquired deposits to the cost of alternative funding. The present value of the cost to maintain the acquired deposits includes an estimate of future interest costs and operating expenses for the core deposits acquired. Core deposits are those that we considered to be stable, below-market sources of funding. Deposit run-off We calculated the fair value of wealth management and credit card customer relationships acquired based on the excess of estimated future cash inflows (i.e. revenue from the acquired relationships) over the related estimated cash outflows (i.e. operating costs and contributory asset charges) over the estimated life of the customer base. The determination of the fair value of fixed maturity deposits involved estimating the cash flows to be paid and discounting these back to their present value. The timing and amount of cash flows included significant management judgment regarding the likelihood of early redemption and the timing of withdrawals by customers. Discount rates were based on the prevailing rates we were paying on similar deposits at the date of acquisition. The fair value of all other assets and liabilities, including real estate properties, was calculated using market data where possible, as well as management judgment, to determine the price that would be obtained in an arms-length transaction between knowledgeable, willing parties. Additional information regarding our accounting for the acquisition is included in Notes 4 and 10.
Changes in IFRS and Accounting Policies	Changes in IFRS and Accounting Policies IFRS 17 Insurance Contracts Effective November 1, 2023, we adopted IFRS 17 Insurance Contracts Insurance Contracts IFRS 17 fundamentally changes the accounting for insurance contracts, with two key changes for the bank that impact the timing of income recognition: Firstly, IFRS 17 requires us to group insurance contracts, where contracts have similar risks, were written in the same fiscal year and have similar expected profitability. IFRS 4 had no similar grouping requirement. We then measure these groups of contracts based on our estimates of the present value of future cash flows that are expected to arise as we fulfill the contracts, plus an explicit risk adjustment for insurance-specific risk. To the extent that discounted future cash inflows exceed discounted, risk-adjusted future cash outflows, a CSM is recorded, representing unearned profits that will be recognized over the duration of the insurance contracts. If a group of insurance contracts is expected to experience losses, these losses are recorded in income immediately in non-interest Under IFRS 4, gains or losses on new contracts were recognized in income immediately. The second key difference under IFRS 17 compared to IFRS 4 is the rate used to discount our insurance contract liabilities. Under IFRS 17, the discount rate comprises a risk-free rate and an illiquidity premium that reflects the characteristics of these liabilities. Under IFRS 4, the discount rate was connected to the yield of the assets held to support insurance contract liabilities. We have elected the accounting policy choice under IFRS 17 to recognize the impact of changes in the discount rate and financial assumptions on insurance contract liabilities in our Consolidated Statement of Income in non-interest On transition, we were required to apply a full retrospective approach, where we restated prior periods as if we had always applied IFRS 17, unless impracticable, in which case we were to apply either the modified retrospective approach, where we applied specific modifications to the full retrospective approach, or the fair value approach, where we determined the fair value of the CSM as the difference between the fair value of a group of contracts, including certain fair value assumptions from a market participant perspective, and our fulfilment cash flows at the date of transition. We applied the full retrospective approach to our creditor business and the fair value approach to all other products written prior to November 1, 2022. The impact of adopting IFRS 17 as at November 1, 2022 was an increase in assets of after-tax. IAS 40 Investment Property On transition to IFRS 17, we voluntarily changed our accounting policy for the measurement of investment properties, included in insurance-related assets in other assets in our Consolidated Balance Sheet, from cost to fair value. This better aligns our returns on investment properties with gains and losses from our insurance business. IAS 40 Investment Property after-tax Transition Impacts The following table shows the impact of these combined changes at November 1, 2022: (Canadian $ in millions) November 1, 2022 IFRS 17 impacts IAS 40 accounting November 1, 2022 Assets Other Assets Deferred tax assets $ 1,175 $ 418 $ (51 ) $ 1,542 Other Insurance-related assets 2,575 657 183 3,415 Total Assets $ 3,750 $ 1,075 $            132   $ 4,957 Liabilities Other Liabilities Insurance-related liabilities $ 11,201 $ 2,181 $ – $ 13,382 Other Deferred tax liabilities 102 – – 102 Total Liabilities $          11,303 $           2,181 $ – $          13,484 The impact of these changes on our Common Equity Tier 1 (CET1) Ratio was not material. IFRS 9 Financial Instruments Effective November 1, 2023, we voluntarily changed our accounting policy to account for regular way contracts to buy or sell financial assets on trade date, instead of on settlement date. This change was applied retrospectively, as is required for changes in accounting policy, as if we had always recorded securities transactions on trade date. Regular way contracts are those that will be settled within a timeframe established by market convention or regulation. The change resulted in an increase in both assets and liabilities of $ 52.5 billion as at October 31, 2023. IAS 12 Income Taxes Effective November 1, 2023, we adopted an amendment to IAS 12 Income Taxes
Future Changes in IFRS and Accounting Policies	Future Changes in IFRS and Accounting Policies IFRS 9 Financial Instruments In May 2024, the IASB issued amendments to IFRS 9 which introduce additional guidance in two areas. The first relates to financial assets with contingent features and when these features can be considered consistent with a basic lending arrangement, in which case the instrument can be measured at amortized cost. The second relates to the timing of derecognition of financial liabilities when payment takes place through an electronic payment system and certain conditions are met. These amendments will be effective for our fiscal year beginning November 1, 2026 and we are currently assessing their impact on our consolidated financial statements. IAS 12 Income Taxes In May 2023, the IASB issued an amendment to IAS 12. The amendment addresses concerns around accounting for the global minimum top-up two-pillar Co-operation top-up top-up o f IFRS 18 Presentation and Disclosure in Financial Statements In April 2024, the IASB issued IFRS 18 Presentation and Disclosure in Financial Statements Presentation of Financial Statements

IFRS 7 Disclosure (Tables)

IFRS 7 Disclosure (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Schedule of Total Credit Risk Exposures	Total credit exposures at default by type and industry sector, as at October 31, 2024 and 2023, based on the Basel III classifications, are disclosed in the table below. TABLE 34 (Canadian $ in millions) Drawn (3) (7) Commitments (undrawn) (3) (8) Other off-balance sheet items (3) (9) OTC derivatives (4) (10) Repo-style transactions (4) (5) (11) Total (1) 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 2024 2023 Individual 287,741 281,087 65,568 63,812 – 13 – – – – 353,309 344,912 Financial institutions 105,378 95,366 20,484 18,690 7,447 7,201 27,393 19,307 17,712 16,177 178,414 156,741 Governments 230,353 219,795 3,024 2,551 1,760 1,575 4,481 8,193 1,070 5,870 240,688 237,984 Manufacturing 33,561 33,046 15,555 16,059 1,696 1,915 1,049 807 – – 51,861 51,827 Real estate 66,650 61,734 8,632 11,843 1,234 971 412 224 – – 76,928 74,772 Retail trade 30,595 27,825 4,262 4,621 645 441 152 129 – – 35,654 33,016 Service industries 54,433 56,588 13,830 13,552 3,192 3,172 990 696 – – 72,445 74,008 Wholesale trade 21,868 19,997 7,212 7,618 670 611 268 167 – – 30,018 28,393 Oil and gas 3,180 3,335 3,010 2,889 623 788 610 1,444 – – 7,423 8,456 Utilities 10,068 11,101 9,304 8,767 3,799 4,547 2,444 1,850 – – 25,615 26,265 Others (2) 54,173 63,210 19,247 18,132 4,343 4,009 2,306 1,634 – – 80,069 86,985 Total exposure at default (6) 898,000 873,084 170,128 168,534 25,409 25,243 40,105 34,451 18,782 22,047 1,152,424 1,123,359  (1) Credit exposure excluding equity, securitization and other assets, such as non-significant  (2) Includes remaining industries that individually comprise less than 2% of total exposures.  (3) Represents gross credit exposures without accounting for collateral.  (4) Credit exposure at default is inclusive of collateral.  (5) Repo-style transactions include repos, reverse repos and securities lending transactions, which represent both asset and liability exposures. The impact of collateral on the credit exposure for repo-style transactions is $270,482 million ($228,691 million in fiscal 2023).  (6) Excludes exposures arising from derivative and repo-style transactions that are cleared through a clearing house or a central counterparty totalling $7,086 million ($9,025 million in fiscal 2023).  (7) Drawn exposures include loans, acceptances, deposits with regulated financial institutions and certain securities.  (8) Undrawn commitments cover unutilized authorizations associated with the drawn exposures noted above, including any authorizations that are unconditionally cancellable. EAD for undrawn commitments is model-generated, based on internal empirical data.  (9) Other off-balance (10) Over-the-counter (11) EAD for repo-style transactions is the calculated exposure, net of collateral. Certain comparative figures have been reclassified to conform with the current year’s presentation and for changes in accounting policy. Risk Rating Systems BMO’s risk rating systems are designed to assess and measure the risk of exposure. Credit risk-based parameters are monitored, reviewed and validated regularly. Monitoring is conducted on a quarterly basis for both the wholesale and retail models. Refer to the Model Risk section for a discussion of model risk mitigation processes.
Summary Total Trading Value at Risk (VaR) Summary	As at or for the year ended October 31 (Pre-tax 2024 2023 Year-end Average High Low Year-end Average High Low Commodity VaR 2.1 3.8 5.4 2.0 4.0 2.4 6.1 1.2 Equity VaR 24.0 16.1 24.0 8.1 13.6 14.0 24.5 8.5 Foreign exchange VaR 1.0 1.2 2.9 0.4 1.7 2.9 5.6 1.3 Interest rate VaR (2) 23.0 30.8 44.7 22.1 38.3 38.2 54.8 26.0 Diversification (17.6 ) (19.7 ) nm nm (25.0 ) (25.4 ) nm nm Total Trading VaR 32.5 32.2 45.5 23.1 32.6 32.1 47.9 21.2 (1) One-day (2) Interest rate VaR includes general credit spread risk. nm – not meaningful
Structural Interest Rate Sensitivity	Structural Interest Rate Sensitivity (1) (2) Economic value sensitivity Earnings sensitivity (Pre-tax October 31, 2024 October 31, 2023 October 31, 2024 October 31, 2023 Canada United States Total Total Canada United States Total Total 100 basis point increase (693 ) (790 ) (1,483 ) (1,849 ) 139 228 367 304 100 basis point decrease 597 63 660 1,492 (101 ) (109 ) (210 ) (325 ) (1) Losses are presented in brackets and gains are presented as positive numbers. (2) Interest rate sensitivities assume an immediate and sustained parallel shift in assumed interest rates across the entire yield curve as at the end of the period, using a constant balance sheet. (3) Includes Canadian dollar and other currencies.
Summary of Remaining Contractual Maturity	2024 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total On-Balance Cash and cash equivalents 62,827 – – – – – – – 2,271 65,098 Interest bearing deposits with banks 2,513 628 481 18 – – – – – 3,640 Securities 6,787 14,011 7,840 6,707 9,720 21,264 84,775 172,886 72,890 396,880 Securities borrowed or purchased under resale agreements 85,185 16,803 5,701 2,330 888 – – – – 110,907 Loans (1) Residential mortgages 1,683 3,284 6,413 6,653 9,252 52,489 77,867 33,227 212 191,080 Consumer instalment and other personal 581 974 1,703 1,827 2,671 14,815 24,595 18,830 26,691 92,687 Credit cards – – – – – – – – 13,612 13,612 Business and government 8,647 14,418 16,461 19,448 21,828 63,613 105,740 32,444 102,394 384,993 Allowance for credit losses – – – – – – – – (4,356 ) (4,356 ) Total loans, net of allowance 10,911 18,676 24,577 27,928 33,751 130,917 208,202 84,501 138,553 678,016 Other assets Derivative instruments 5,573 7,996 7,211 2,482 1,660 6,365 8,374 7,592 – 47,253 Customers’ liabilities under acceptances 359 – – – – – – – – 359 Receivable from brokers, dealers and clients 31,916 – – – – – – – – 31,916 Other 3,847 1,012 948 31 14 13 13 7,717 61,983 75,578 Total other assets 41,695 9,008 8,159 2,513 1,674 6,378 8,387 15,309 61,983 155,106 Total assets 209,918 59,126 46,758 39,496 46,033 158,559 301,364 272,696 275,697 1,409,647                                                                    2024 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total Liabilities and Equity Deposits (2) (3) 47,637 74,759 69,479 68,110 48,835 51,789 87,297 25,602 508,932 982,440 Other liabilities Derivative instruments 6,769 10,541 10,828 3,311 2,160 6,470 9,112 9,112 – 58,303 Acceptances 359 – – – – – – – – 359 Securities sold but not yet purchased (4) 35,030 – – – – – – – – 35,030 Securities lent or sold under repurchase agreements (4) 99,364 7,777 721 106 1,016 1,807 – – – 110,791 Securitization and structured entities’ liabilities 44 981 1,072 2,183 152 4,353 9,913 21,466 – 40,164 Insurance-related liabilities 93 89 18 18 30 83 195 701 17,543 18,770 Payable to brokers, dealers and clients 34,407 – – – – – – – – 34,407 Other 12,409 2,968 805 144 1,611 2,492 4,058 2,799 9,434 36,720 Total other liabilities 188,475 22,356 13,444 5,762 4,969 15,205 23,278 34,078 26,977 334,544 Subordinated debt – – – – – 25 25 8,327 – 8,377 Total equity – – – – – – – – 84,286 84,286 Total liabilities and equity 236,112 97,115 82,923 73,872 53,804 67,019 110,600 68,007 620,195 1,409,647 (1) Loans receivable on demand have been included under no maturity. (2) Deposits payable on demand and payable after notice have been included under no maturity. (3) Deposits totalling $29,136 million as at October 31, 2024 have a fixed maturity date; however, they can be redeemed early (either fully or partially) by customers without penalty. These are classified as payable on a fixed date due to their stated contractual maturity date. (4) Presented based on their earliest maturity date.                                                                    2024 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total Off-Balance Commitments to extend credit (1) 3,720 5,220 10,229 16,052 16,284 47,054 130,664 7,048 – 236,271 Letters of credit (2) 2,109 5,235 6,113 6,761 6,163 2,310 3,689 36 – 32,416 Backstop liquidity facilities 283 213 213 3,408 1,132 3,047 9,110 818 – 18,224 Other commitments (3) 30 78 94 87 187 399 486 98 – 1,459 (1) Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at BMO’s discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. (2) Letters of credit can be drawn down at any time. These are classified based on their stated contractual maturity. (3) Other commitments comprise purchase obligations and lease commitments for leases signed but not yet commenced.                                                                    2023 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total On-Balance Assets Cash and cash equivalents 75,473 – – – – – – – 2,461 77,934 Interest bearing deposits with banks 2,775 680 383 153 118 – – – – 4,109 Securities 4,115 8,556 7,225 5,585 6,602 29,930 64,250 139,501 54,320 320,084 Securities borrowed or purchased under resale agreements 93,707 12,311 6,903 2,491 – 250 – – – 115,662 Loans (1) Residential mortgages 1,121 2,188 3,403 4,246 4,761 27,229 107,347 26,689 266 177,250 Consumer instalment and other personal 285 621 1,028 1,343 1,542 8,094 35,467 29,992 25,670 104,042 Credit cards – – – – – – – – 12,294 12,294 Business and government 19,671 10,920 12,550 16,370 16,953 49,366 114,289 27,880 98,887 366,886 Allowance for credit losses – – – – – – – – (3,807 ) (3,807 ) Total loans, net of allowance 21,077 13,729 16,981 21,959 23,256 84,689 257,103 84,561 133,310 656,665 Other assets Derivative instruments 2,797 4,539 2,670 2,827 1,555 7,804 9,325 8,459 – 39,976 Customers’ liabilities under acceptances 4,682 3,423 6 – – – – – – 8,111 Receivable from brokers, dealers and clients 53,002 – – – – – – – – 53,002 Other 3,580 814 336 42 4 10 19 7,629 59,029 71,463 Total other assets 64,061 8,776 3,012 2,869 1,559 7,814 9,344 16,088 59,029 172,552 Total assets 261,208  44,052 34,504  33,057  31,535 122,683 330,697 240,150 249,120 1,347,006                                                                    2023 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total Liabilities and Equity Deposits (2) (3) 48,986 63,728 64,939 60,911 52,040 47,624 80,829 18,624 473,198 910,879 Other liabilities Derivative instruments 3,103 8,450 3,033 2,278 2,014 7,694 11,748 11,873 – 50,193 Acceptances 4,682 3,423 6 – – – – – – 8,111 Securities sold but not yet purchased (4) 43,774 – – – – – – – – 43,774 Securities lent or sold under repurchase agreements (4) 99,006 4,751 476 539 – 1,336 – – – 106,108 Securitization and structured entities’ liabilities 97 717 1,199 2,195 592 4,896 9,870 7,528 – 27,094 Insurance-related liabilities 81 86 15 15 39 77 163 546 13,436 14,458 Payable to brokers, dealers and clients 53,754 – – – – – – – – 53,754 Other 13,185 2,188 101 95 69 14,032 2,601 5,614 10,399 48,284 Total other liabilities 217,682 19,615 4,830 5,122 2,714 28,035 24,382 25,561 23,835 351,776 Subordinated debt – – – – – – 25 8,203 – 8,228 Total equity – – – – – – – – 76,123 76,123 Total liabilities and equity 266,668  83,343 69,769  66,033  54,754  75,659 105,236  52,388 573,156   1,347,006   (1) Loans receivable on demand have been included under no maturity. (2) Deposits payable on demand and payable after notice have been included under no maturity. (3) Deposits totalling $30,852 million as at October 31, 2023 have a fixed maturity date; however, they can be redeemed early (either fully or partially) by customers without penalty. These are classified as payable on a fixed date due to their stated contractual maturity date. (4) Presented based on their earliest maturity date. Certain comparative figures have been reclassified for changes in accounting policy.                                                                    2023 (Canadian $ in millions) 0 to 1 1 to 3 3 to 6 6 to 9 9 to 12 1 to 2 2 to 5 Over 5 No Total Off-Balance Commitments to extend credit (1)  2,216   4,874 9,377 14,499 14,190 41,713 129,634   5,927     –     222,430   Letters of credit (2) 1,641 5,088 5,739 5,397 6,065 3,663 3,778 48 – 31,419 Backstop liquidity facilities 212 241 666 2,207 2,039 3,951 8,643 846 – 18,805 Other commitments (3) 46 91 106 101 155 354 626 141 – 1,620 (1) Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at BMO’s discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. (2) Letters of credit can be drawn down at any time. These are classified based on their stated contractual maturity. (3) Other commitments comprise purchase obligations and lease commitments for leases signed but not yet commenced.

Basis of Presentation (Tables)

Basis of Presentation (Tables)	12 Months Ended
	Oct. 31, 2024
Basis of Presentation [Line Items]
Summary of quantitative information for financial instruments	The following table presents quantitative information as at October 31, 2023, which includes financial instruments that referenced remaining CDOR and BA rate settings, or demand facilities that were subject to remediation to amend the benchmark interest rate. BMO has transitioned all exposure to CDOR settings to ARRs as at October 31, 2024. (Canadian $ in millions) 2023 Non-derivative (1) $ 44,370 Non-derivative (1) 4,584 Derivative notional amounts (2) (3)     1,779,140 Authorized and committed loan commitments (4) (5) (6) 55,548 (1) All amounts presented based on contractual amounts outstanding at October 31, 2023, with the exception of securities, recorded in non-derivative (2) Notional amounts represent the amount to which a rate or price is applied in order to calculate the amount of cash that must be exchanged under the contract. Notional amounts do not represent assets or liabilities and therefore are not recorded in our Consolidated Balance Sheet. (3) Includes certain cross-currency swap positions where both the pay and receive legs referenced a CDOR or BA rate. For those derivatives, the table above includes the notional amounts for both the pay and receive legs in the relevant columns aligning with the CDOR or BA rate exposure. (4) Excludes personal lines of credit and credit cards that are unconditionally cancellable at our discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments. (5) Includes loan commitments where our customers have the option to draw from their facility in multiple currencies. Amounts drawn will be subject to prevailing IBORs for the foreign currency, including those that are in scope of IBOR reform. (6) Commitments include backstop liquidity facilities provided by the bank to external parties.
IAS 40 [Member]
Basis of Presentation [Line Items]
Summary of Transition Impacts	The following table shows the impact of these combined changes at November 1, 2022: (Canadian $ in millions) November 1, 2022 IFRS 17 impacts IAS 40 accounting November 1, 2022 Assets Other Assets Deferred tax assets $ 1,175 $ 418 $ (51 ) $ 1,542 Other Insurance-related assets 2,575 657 183 3,415 Total Assets $ 3,750 $ 1,075 $            132   $ 4,957 Liabilities Other Liabilities Insurance-related liabilities $ 11,201 $ 2,181 $ – $ 13,382 Other Deferred tax liabilities 102 – – 102 Total Liabilities $          11,303 $           2,181 $ – $          13,484

Cash and Interest Bearing Dep_2

Cash and Interest Bearing Deposits with Banks (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Disclosure of Cash and Interest Bearing Deposits with Banks	Cash and Cash Equivalents (Canadian $ in millions) 2024 2023 Cash and deposits with banks (1) $ 62,823 $ 75,528 Cheques and other items in transit, net 2,275 2,406 Total cash and cash equivalents $     65,098 $     77,934 (1) Includes deposits with the Bank of Canada, the U.S. Federal Reserve and other central banks.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Fair Value Measurement	The following table shows the remaining terms to maturity of securities: (Canadian $ in millions, except as noted) Term to maturity 2024 2023 Within 1 1 to 3 years 3 to 5 years 5 to 10 Over 10 No maturity Total Total Trading Securities Issued or guaranteed by: Canadian federal government $ 620 $ 1,353 $ 1,933 $ 1,664 $ 4,466 $ – $ 10,036 $ 11,370 Canadian provincial and municipal governments 1,983 460 760 944 3,438 – 7,585 7,170 U.S. federal government 896 8,123 1,933 5,709 7,587 – 24,248 20,132 U.S. states, municipalities and agencies 4 52 35 269 205 – 565 279 Other governments 719 1,206 1,185 569 170 – 3,849 2,540 NHA MBS, U.S. agency MBS and CMO (1) 427 451 898 1,089 38,130 – 40,995 21,517 Corporate debt 1,590 3,283 4,234 3,936 2,147 – 15,190 11,933 Trading loans – 66 195 214 – – 475 450 Corporate equity – – – – – 65,983 65,983 48,327 Total trading securities 6,239 14,994 11,173 14,394 56,143 65,983 168,926 123,718 FVTPL Securities Issued or guaranteed by: Canadian federal government 276 7 – 11 109 – 403 216 Canadian provincial and municipal governments 2 10 34 113 1,419 – 1,578 1,166 U.S. federal government 5 – – – 1,522 – 1,527 2,088 Other governments 25 – – – – – 25 48 NHA MBS, U.S. agency MBS and CMO (1) – – 13 8 – – 21 19 Corporate debt 143 270 355 1,012 7,000 – 8,780 7,362 Corporate equity – – – – – 6,730 6,730 5,834 Total FVTPL securities 451 287 402 1,144 10,050 6,730 19,064 16,733 FVOCI Securities Issued or guaranteed by: Canadian federal government Amortized cost 12,552 5,951 10,703 4,686 – – 33,892 20,579 Fair value 12,571 5,975 10,861 4,770 – – 34,177 20,100 Yield (%) 3.48 2.95 3.55 2.93 – – 3.33 3.05 Canadian provincial and municipal governments Amortized cost 665 496 2,265 2,496 17 – 5,939 5,281 Fair value 666 496 2,286 2,533 15 – 5,996 5,055 Yield (%) 3.29 3.08 4.01 3.45 4.19 – 3.61 3.23 U.S. federal government Amortized cost 1,423 1,750 4,344 9,516 – – 17,033 6,245 Fair value 1,422 1,743 4,283 9,517 – – 16,965 5,880 Yield (%) 4.00 4.00 3.83 4.19 – – 4.06 3.77 U.S. states, municipalities and agencies Amortized cost 423 652 714 2,789 547 – 5,125 5,486 Fair value 420 640 702 2,766 540 – 5,068 5,301 Yield (%) 2.22 2.56 3.36 4.59 5.32 – 4.04 4.22 Other governments Amortized cost 3,912 616 1,115 – – – 5,643 7,064 Fair value 3,918 614 1,124 – – – 5,656 6,969 Yield (%) 2.87 3.42 4.00 – – – 3.15 3.11 NHA MBS, U.S. agency MBS and CMO (1) Amortized cost 58 1,381 7,390 4,396 8,345 – 21,570 16,421 Fair value 58 1,373 7,360 4,356 8,146 – 21,293 15,765 Yield (%) 0.85 2.79 4.44 3.66 3.81 – 3.92 4.76 Corporate debt Amortized cost 1,748 581 492 1,473 97 – 4,391 3,676 Fair value 1,733 579 497 1,470 91 – 4,370 3,589 Yield (%) 2.35 4.24 3.45 2.00 5.32 – 2.67 5.43 Corporate equity Cost – – – – – 135 135 129 Fair value – – – – – 177 177 160 Total cost or amortized cost 20,781 11,427 27,023 25,356 9,006 135 93,728 64,881 Total fair value 20,788 11,420 27,113 25,412 8,792 177 93,702 62,819 Yield (%) 3.27 3.16 3.89 3.71 3.92 – 3.61 3.80 Amortized Cost Securities Issued or guaranteed by: Canadian federal government Amortized cost 1,056 1,276 97 36 – – 2,465 4,908 Fair value 1,014 1,259 96 34 – – 2,403 4,905 Yield (%) 1.79 1.72 2.71 2.83 – – 1.81 1.83 Canadian provincial and municipal governments Amortized cost 1,699 1,523 952 314 – – 4,488 4,613 Fair value 1,621 1,392 890 313 – – 4,216 4,605 Yield (%) 1.90 2.52 2.73 3.20 – – 2.38 2.26 U.S. federal government Amortized cost 13,237 15,145 14,670 8,587 3,782 – 55,421 56,878 Fair value 13,023 14,521 13,444 7,421 2,910 – 51,319 51,063 Yield (%) 1.40 1.30 1.58 1.56 2.04 – 1.49 1.50 U.S. states, municipalities and agencies Amortized cost – – – 182 – – 182 190 Fair value – – – 180 – – 180 179 Yield (%) – – – 4.65 – – 4.65 4.66 Other governments Amortized cost 289 378 14 – – – 681 948 Fair value 283 378 14 – – – 675 779 Yield (%) 0.91 2.51 0.86 – – – 1.80 1.82 NHA MBS, U.S. agency MBS and CMO (1) Amortized cost 971 3,280 2,179 1,502 34,841 – 42,773 47,590 Fair value 934 3,148 2,072 1,348 31,117 – 38,619 41,134 Yield (%) 1.13 1.64 2.08 1.99 2.77 – 2.58 2.61 Corporate debt Amortized cost 335 1,034 102 42 7,665 – 9,178 1,687 Fair value 331 972 105 40 7,601 – 9,049 1,506 Yield (%) 1.55 2.49 2.68 1.02 5.03 – 4.57 1.80 Total carrying value 17,587 22,636 18,014 10,663 46,288 – 115,188 116,814 Total fair value 17,206 21,670 16,621 9,336 41,628 – 106,461 104,171 Yield (%) 1.45 1.53 1.72 1.72 3.09 – 2.19 2.01 Total carrying value of securities 45,065 49,337 56,702 51,613 121,273 72,890 396,880 320,084 Total by Currency Canadian dollar 21,661 14,764 17,213 12,539 17,759 27,434 111,370 98,301 U.S. dollar 19,843 34,105 38,834 38,760 103,301 43,715 278,558 215,990 Other currencies 3,561 468 655 314 213 1,741 6,952 5,793 Total securities $   45,065 $   49,337 $   56,702 $   51,613 $   121,273 $   72,890 $   396,880 $   320,084 (1) These amounts are either supported by insured mortgages or issued by U.S. agencies and government-sponsored enterprises. NHA refers to the National Housing Act, MBS refers to mortgage-backed securities and CMO refers to collateralized mortgage obligations. (2) The carrying values of securities that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts.
Unrealized gains and losses on securities at fair value through other comprehensive income	The following table summarizes unrealized gains and losses on FVOCI securities: (Canadian $ in millions) 2024 2023 Cost or Gross Gross Fair value Cost or Gross Gross Fair value Issued or guaranteed by: Canadian federal government $ 33,892 $ 303 $ (18 ) $ 34,177 $ 20,579 $ 14 $ (493 ) $ 20,100 Canadian provincial and municipal governments 5,939 82 (25 ) 5,996 5,281 2 (228 ) 5,055 U.S. federal government 17,033 100 (168 ) 16,965 6,245 – (365 ) 5,880 U.S. states, municipalities and agencies 5,125 24 (81 ) 5,068 5,486 5 (190 ) 5,301 Other governments 5,643 20 (7 ) 5,656 7,064 13 (108 ) 6,969 NHA MBS, U.S. agency MBS and CMO 21,570 58 (335 ) 21,293 16,421 12 (668 ) 15,765 Corporate debt 4,391 31 (52 ) 4,370 3,676 3 (90 ) 3,589 Corporate equity 135 42 – 177 129 31 – 160 Total $   93,728 $   660 $   (686 ) $   93,702 $   64,881 $       80 $   (2,142 ) $   62,819
Summary of Interest, Dividend and Fee Income	Interest, dividend and fee income has been included in our Consolidated Statement of Income as follows. Related income for trading securities is included under trading-related revenue in Note 18. (Canadian $ in millions) 2024 2023 FVTPL securities $ 161 $ 66 FVOCI securities 3,874 2,517 Amortized cost securities 3,952 3,510 Total $   7,987   $    6,093
Summary of Non Interest Revenue	Net gains and losses from securities, excluding gains and losses on trading securities, have been included in our Consolidated Statement of Income as follows: (Canadian $ in millions) 2024 2023 FVTPL securities $      87 $ 144 FVOCI securities – realized gains (1) 114 36 Impairment on FVOCI and amortized cost securities (1 ) – Securities gains, other than trading $ 200   $      180 (1) Gains are net of (losses) on hedge contracts.
Summary of Interest and Dividend Income and Gains on Securities	Interest and dividend income and gains on se curi non-interest (Canadian $ in millions) 2024 2023 Interest and dividend income $     515 $ 454 Gains (losses) from securities designated at FVTPL (1) 1,270 (282 ) Realized gains from FVOCI securities 1 – Total interest and dividend income and gains held in our Insurance business $ 1,786   $      172 (1) Gains (losses) on these securities may be offset by certain (losses) gains from changes in insurance-related liabilities, as described above under Securities Designated at FVTPL.

Loans and Allowance for Credi_2

Loans and Allowance for Credit Losses (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Continuity in Loss Allowance by Each Product Type	The following table shows the continuity in the loss allowance, by product type, for the years ended October 31, 2024 and 2023. Transfers represent the amount of ECL that moved between stages during the year; for example, from a 12-month (Canadian $ in millions) 2024 2023   Stage 1   Stage 2   Stage 3      Total   Stage 1   Stage 2   Stage 3 (1)    Total Loans: Residential mortgages                                          Balance as at beginning of year $ 73 $ 151 $ 10 $ 234 $ 59 $ 67 $ 16 $ 142 Transfer to Stage 1 132 (130 ) (2 ) – 92 (92 ) – – Transfer to Stage 2 (26 ) 42 (16 ) – (18 ) 27 (9 ) – Transfer to Stage 3 (1 ) (29 ) 30 – (1 ) (12 ) 13 – Net remeasurement of loss allowance (142 ) 170 36 64 (94 ) 106 15 27 Loan originations 24 – – 24 26 – – 26 Loan purchases – – – – 31 – – 31 Derecognitions and maturities (3 ) (13 ) – (16 ) (4 ) (9 ) – (13 ) Model changes (1 ) (5 ) – (6 ) (19 ) 63 – 44 Total PCL (2) (17 ) 35 48 66 13 83 19 115 Write-offs (3) – – (5 ) (5 ) – – (10 ) (10 ) Recoveries of previous write-offs – – 7 7 – – 7 7 Foreign exchange and other – – (41 ) (41 ) 1 1 (22 ) (20 ) Balance as at end of year $ 56 $ 186 $ 19 $ 261 $ 73 $ 151 $ 10 $ 234 Loans: Consumer instalment and other personal Balance as at beginning of year $ 220 $ 434 $ 152 $ 806 $ 111 $ 304 $ 102 $ 517 Transfer to Stage 1 301 (283 ) (18 ) – 265 (254 ) (11 ) – Transfer to Stage 2 (44 ) 91 (47 ) – (52 ) 93 (41 ) – Transfer to Stage 3 (7 ) (133 ) 140 – (18 ) (104 ) 122 – Net remeasurement of loss allowance (237 ) 355 437 555 (264 ) 438 309 483 Loan originations 54 – – 54 58 6 – 64 Loan purchases – – – – 179 – – 179 Derecognitions and maturities (16 ) (38 ) (12 ) (66 ) (34 ) (43 ) – (77 ) Model changes 15 46 – 61 (26 ) (8 ) – (34 ) Total PCL (2) 66 38 500 604 108 128 379 615 Write-offs (3) – – (623 ) (623 ) – – (371 ) (371 ) Recoveries of previous write-offs – – 195 195 – – 74 74 Foreign exchange and other (89 ) (1 ) (49 ) (139 ) 1 2 (32 ) (29 ) Balance as at end of year $ 197 $ 471 $ 175 $ 843 $ 220 $ 434 $ 152 $ 806 Loans: Credit cards Balance as at beginning of year $ 188 $ 308 $ – $ 496 $ 115 $ 250 $ – $ 365 Transfer to Stage 1 226 (226 ) – – 172 (172 ) – – Transfer to Stage 2 (64 ) 64 – – (45 ) 45 – – Transfer to Stage 3 (6 ) (290 ) 296 – (3 ) (147 ) 150 – Net remeasurement of loss allowance (182 ) 633 308 759 (146 ) 366 216 436 Loan originations 76 – – 76 77 1 – 78 Loan purchases – – – – 25 – – 25 Derecognitions and maturities (8 ) (27 ) – (35 ) (7 ) (36 ) – (43 ) Model changes 4 9 – 13 – – – – Total PCL (2) 46 163 604 813 73 57 366 496 Write-offs (3) – – (720 ) (720 ) – – (436 ) (436 ) Recoveries of previous write-offs – – 171 171 – – 103 103 Foreign exchange and other (1 ) 1 (55 ) (55 ) – 1 (33 ) (32 ) Balance as at end of year $ 233 $ 472 $ – $ 705 $ 188 $ 308 $ – $ 496 Loans: Business and government Balance as at beginning of year $ 1,043 $ 1,155 $ 533 $ 2,731 $ 746 $ 789 $ 439 $ 1,974 Transfer to Stage 1 601 (575 ) (26 ) – 306 (291 ) (15 ) – Transfer to Stage 2 (278 ) 394 (116 ) – (173 ) 236 (63 ) – Transfer to Stage 3 (9 ) (310 ) 319 – (25 ) (161 ) 186 – Net remeasurement of loss allowance (599 ) 1,189 1,748 2,338 (446 ) 735 308 597 Loan originations 278 8 – 286 276 4 – 280 Loan purchases – – – – 470 – – 470 Derecognitions and maturities (147 ) (308 ) (11 ) (466 ) (126 ) (193 ) – (319 ) Model changes 53 57 – 110 (17 ) (51 ) – (68 ) Total PCL (2) (101 ) 455 1,914 2,268 265 279 416 960 Write-offs (3) – – (1,802 ) (1,802 ) – – (372 ) (372 ) Recoveries of previous write-offs – – 194 194 – – 81 81 Foreign exchange and other (50 ) 88 (302 ) (264 ) 32 87 (31 ) 88 Balance as at end of year $ 892 $ 1,698 $ 537 $ 3,127 $ 1,043 $ 1,155 $ 533 $ 2,731 Total as at end of year $ 1,378 $ 2,827 $ 731 $ 4,936 $ 1,524 $ 2,048 $ 695 $ 4,267 Comprising: Loans $ 1,143 $ 2,560 $ 653 $ 4,356 $ 1,264 $ 1,859 $ 684 $ 3,807        Other credit instruments (4) 235 267 78 580 260 189 11 460 (1) Includes changes in allowance for purchased credit impaired (PCI) loans. (2) Excludes PCL on other assets of $10 million for the year ended October 31, 2024 ($(8) million for the year ended October 31, 2023). (3) Generally, we continue to seek recovery on amounts that were written off during the year, unless the loan is sold, we no longer have the right to collect or we have exhausted all reasonable efforts to collect. (4) Other credit instruments, including off-balance
Summary of Credit Risk Exposures for Loans Carried at Amortized Cost, FVOCI or FVTPL	The following table sets out our credit risk exposure for all loans carried at amortized cost, FVOCI or FVTPL as at October 31, 2024 and 2023. Stage 1 represents performing loans carried with up to a 12 -month (Canadian $ in millions) 2024 2023    Stage 1    Stage 2 Stage 3    Total   Stage 1 (1)   Stage 2 Stage 3   Total Loans: Residential mortgages                                         Exceptionally low $ 1 $ – $ – $ 1 $ 2 $ – $ – $ 2 Very low 86,730 5,631 – 92,361 85,423 171 – 85,594 Low 52,111 15,080 – 67,191 51,366 10,820 – 62,186 Medium 7,402 5,329 – 12,731 5,289 5,434 – 10,723 High 268 2,622 – 2,890 282 2,015 – 2,297 Not rated (4) 14,207 1,042 – 15,249 15,906 118 – 16,024 Impaired – – 657 657 – – 424 424 Gross residential mortgages 160,719 29,704 657 191,080 158,268 18,558 424   177,250 ACL 56 185 10 251 73 146 5 224 Carrying amount 160,663 29,519 647 190,829 158,195 18,412 419 177,026 Loans: Consumer instalment and other personal Exceptionally low 9,162 145 – 9,307 1,547 4 – 1,551 Very low 20,466 903 – 21,369 37,924 180 – 38,104 Low 26,125 4,575 – 30,700 21,406 1,052 – 22,458 Medium 7,405 5,526 – 12,931 7,971 5,686 – 13,657 High 789 2,017 – 2,806 759 2,127 – 2,886 Not rated (4) 14,522 475 – 14,997 24,426 411 – 24,837 Impaired – – 577 577 – – 549 549 Gross consumer instalment and other personal 78,469 13,641 577 92,687 94,033 9,460 549 104,042 ACL 183 447 168 798 208 415 152 775 Carrying amount 78,286 13,194 409 91,889 93,825 9,045 397 103,267 Loans: Credit cards (5) Exceptionally low 1,660 – – 1,660 1,605 – – 1,605 Very low 2,166 1 – 2,167 1,946 1 – 1,947 Low 2,110 60 – 2,170 1,884 70 – 1,954 Medium 4,544 824 – 5,368 3,860 890 – 4,750 High 746 922 – 1,668 533 763 – 1,296 Not rated (4) 430 149 – 579 651 91 – 742 Impaired – – – – – – – – Gross credit cards 11,656 1,956 – 13,612 10,479 1,815 – 12,294 ACL 161 421 – 582 134 267 – 401 Carrying amount 11,495 1,535 – 13,030 10,345 1,548 – 11,893 Loans: Business and government (6) Acceptable Investment grade 191,742 3,437 – 195,179 202,731 3,886 – 206,617 Sub-investment 147,713 15,078 – 162,791 126,535 26,260 – 152,795 Watchlist 238 22,535 – 22,773 1,078 11,520 – 12,598 Impaired – – 4,609 4,609 – – 2,987 2,987 Gross business and government 339,693 41,050 4,609 385,352 330,344 41,666 2,987 374,997 ACL 743 1,507 475 2,725 849 1,031 527 2,407 Carrying amount 338,950 39,543 4,134 382,627 329,495 40,635 2,460 372,590 Total gross loans and acceptances 590,537 86,351 5,843 682,731 593,124 71,499 3,960 668,583 Total net loans and acceptances 589,394 83,791 5,190 678,375 591,860 69,640 3,276 664,776 Commitments and financial guarantee contracts Acceptable Investment grade 198,132 787 – 198,919 195,149 1,721 – 196,870 Sub-investment 68,177 6,647 – 74,824 54,148 14,158 – 68,306 Watchlist 59 8,765 – 8,824 254 4,137 – 4,391 Impaired – – 1,373 1,373 – – 687 687 Gross commitments and financial guarantee contracts 266,368 16,199 1,373 283,940 249,551 20,016 687 270,254 ACL 235 267 78 580 260 189 11 460 Carrying amount (7) (8) $ 266,133 $ 15,932 $ 1,295 $ 283,360 $ 249,291 $ 19,827 $ 676 $ 269,794 (1) Includes $163 million ($1,676 million as at October 31, 2023) of residential mortgages and $12,431 million ($5,720 million as at October 31, 2023) of business and government loans that are classified and measured at FVTPL. (2) Includes Bank of the West PCI loans. ( 3 92% of Stage 3 loans were either fully or partially collateralized as at October 31, 2024 (93% as at October 31, 2023). (4) Includes purchased portfolios and certain cases where an internal risk rating is not assigned. Alternative credit risk assessments, rating methodologies, policies and tools are used to manage credit risk for these portfolios . (5) Credit card loans are immediately written off when principal or interest payments are 180 days past due, and as a result are not reported as impaired in Stage 3. (6) Includes customers’ liability under acceptances. (7) Represents the total contractual amounts of undrawn credit facilities and other off-balance (8) Certain commercial borrower commitments are conditional and may include recourse to counterparties.
Schedule of Loans and Allowance for Credit Losses by Geographic Region	Loans and ACL by geographic region as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Gross amount ACL on ACL on Net Gross amount ACL on ACL on Net amount By geographic region (3) Canada $ 392,398 $ 461 $ 1,531 $ 390,406 $ 365,455 $ 457 $ 1,272 $ 363,726 United States 277,718 192 2,141 275,385 283,355 227 1,833 281,295 Other countries 12,256 – 31 12,225 11,662 – 18 11,644 Total $   682,372 $         653 $         3,703 $   678,016 $   660,472 $         684 $         3,123 $   656,665 (1) Excludes ACL on impaired loans of $78 million for other credit instruments, which is included in other liabilities ($11 million as at October 31, 2023). (2) Excludes ACL on performing loans of $502 million for other credit instruments, which is included in other liabilities ($449 million as at October 31, 2023). (3) Geographic region is based upon the country of ultimate risk.
Schedule of Impaired Loans, Including the Related Allowances	Impaired (Stage 3) loans, including the related allowances, as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Gross impaired ACL on Net impaired Gross impaired ACL on Net impaired Residential mortgages $ 657 $ 10 $ 647 $ 424 $ 5 $ 419 Consumer instalment and other personal 577 168 409 549 152 397 Business and government (2) 4,609 475 4,134 2,987 527 2,460 Total $ 5,843 $ 653 $ 5,190 $ 3,960 $ 684 $ 3,276 By geographic region (3) Canada $ 2,513 $ 461 $ 2,052 $ 1,629 $ 457 $ 1,172 United States 3,327 192 3,135 2,331 227 2,104 Other countries 3 – 3 – – – Total $     5,843 $           653 $     5,190 $     3,960 $           684 $     3,276 (1) Excludes ACL on impaired loans of $78 million for other credit instruments, which is included in other liabilities ($11 million as at October 31, 2023). (2) Includes customers’ liability under acceptances. (3) Geographic region is based upon the country of ultimate risk.
Disclosure Of Financial Assets That Are Past Due But Not Impaired	The following table presents loans that are past due but not classified as impaired as at October 31, 2024 and 2023. Loans for which payment is less than 30 days past due have been excluded, as they are not generally representative of the borrowers’ ability to meet their payment obligations. (Canadian $ in millions) 2024 2023 30 to 89 days 90 days or more Total 30 to 89 days 90 days or more (1) Total Residential mortgages $ 696 $ 15 $ 711 $ 707 $ 9 $ 716 Credit cards, consumer instalment and other personal 734 173 907 1,003 129 1,132 Business and government 689 16 705 826 18 844 Total $     2,119 $       204 $     2,323 $    2,536 $         156 $      2,692 (1) Fully secured loans with amounts between 90 and 180 days past due that we have not classified as impaired totalled $16 million as at October 31, 2024 ($10 million as at October 31, 2023).
Summary of Key Economic Variables Used to Estimate Allowance on Performing Loans During Forecast Period	The following tables show the key economic variables used to estimate the allowance for performing loans forecast over the next 12 months or lifetime measurement period. While the values disclosed below are national variables, we use regional variables in the underlying models and consider factors impacting particular industries where appropriate. As at October 31, 2024 Scenarios All figures are average annual values Upside Base Downside Severe downside First 12 Remaining First 12 Remaining First 12 Remaining First 12 Remaining Real GDP growth rates (2) Canada 4.6 % 2.6 % 1.8 % 1.9 % (2.3) % 1.3 %  (3.6) % 1.2 %  United States 4.3 % 2.4 % 1.9 % 1.9 % (2.1) % 1.4 %  (3.4) % 1.3 %  Corporate BBB 10-year Canada 1.3 % 1.8 % 1.9 % 2.0 % 3.6 %  3.0 %  4.2 %  3.5 %  United States 0.9 % 1.6 % 1.6 % 2.0 % 3.4 %  3.1 %  4.6 %  3.6 %  Unemployment rates Canada 5.3 % 4.8 % 7.0 % 6.8 % 8.8 %  9.4 %  9.8 %  10.5 % United States 3.4 % 3.0 % 4.7 % 4.4 % 6.7 %  7.3 %  7.6 %  8.4 % Housing Price Index (2) Canada (3) 5.9 % 5.4 % 1.6 % 3.0 % (10.9) % (1.0) % (19.0) % (5.0) % United States (4) 5.9 % 4.0 % 2.8 % 2.6 % (9.6) % (1.0) % (19.3) % (4.3) % (1) The remaining forecast period is two years. (2) Real gross domestic product (GDP) and housing price index are averages of quarterly year-over-year growth rates. (3) In Canada, we use the Housing Price Index Benchmark Composite. (4) In the United States, we use the National Case-Shiller House Price Index. As at October 31, 2023 Scenarios All figures are average annual values Upside Base Severe downside First 12 Remaining First 12 Remaining First 12 Remaining Real GDP growth rates (2) Canada 3.2 2.6 0.4%  1.9% (3.9)% 1.2%  United States 4.1 2.5% 1.4%  2.0% (3.5)% 1.4%  Corporate BBB 10-year Canada 1.7 1.8% 2.4%  2.0% 4.2%  3.5%  United States 1.4 1.7% 2.2%  2.1% 4.6%  3.5%  Unemployment rates Canada 4.2 3.7% 5.9%  5.7% 9.3%  10.1%  United States 2.9 2.5% 4.2%  4.1% 7.5%  8.3%  Housing Price Index (2) Canada (3) 9.9 6.9% 5.5%  4.5% (20.2)% (5.0)% United States (4) 2.7 3.7% (0.5)% 2.3% (19.2)% (4.3)% (1) The remaining forecast period is two years. (2) Real gross domestic product (GDP) and housing price index are averages of quarterly year-over-year growth rates. (3) In Canada, we use the Housing Price Index Benchmark Composite. (4) In the United States, we use the National Case-Shiller House Price Index.

Transfers of Financial Assets (

Transfers of Financial Assets (Tables)	12 Months Ended
	Oct. 31, 2024
Fair Value [Member]
Statement [Line Items]
Summary of Carrying Value and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities Relating to Loan Securitizations	The following table presents the carrying values and fair values of transferred assets that did not qualify for derecognition and the associated liabilities relating to loan securitizations: (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value (1) Fair value Assets Trading securities (2) $ 106 $ – $ 277 $ – Loans 9,277 – 7,317 – Other related assets (3) 6,952 – 8,430 – Total $ 16,335 $ 16,118 $ 16,024 $ 15,266 Associated liabilities (4) $      15,790 $      15,598 $      14,937 $     14,244 (1) Carrying value of loans is net of ACL (2) Trading securities represent CMO issued by third-party sponsored vehicles, where we do not substantially transfer all of the risks and rewards of ownership to third-party investors. (3) Other related assets represent payments received on account of mortgages pledged under securitization programs that have not yet been applied against the associated liabilities. The payments received are held in permitted instruments 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 value of the securitized assets in the table above. (4) Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet.

Structured Entities (Tables)

Structured Entities (Tables)	12 Months Ended
	Oct. 31, 2024
Statement [Line Items]
Summary of Unconsolidated Structured Entities	The table below presents amounts related to our interests in unconsolidated SEs: (Canadian $ in millions) 2024 2023 Customer Capital Other Customer Capital Other Interests recorded in our Consolidated Balance Sheet Financial Assets Cash and cash equivalents $ 107 $ 5,536 $ – $ 184 $ 5,182 $ – Trading securities 170 – 21,485 518 – 3,346 FVTPL securities 40 – – 23 – – FVOCI securities 1,484 – – 1,393 – – Derivatives 1 – – 23 – – Other 8 – 169 9 – 100 Total $ 1,810 $ 5,536 $ 21,654 $ 2,150 $ 5,182 $ 3,446 Financial Liabilities Deposits $ 107 $ 5,536 $ – $ 184 $ 5,182 $ – Derivatives 3 – – – – – Other – 87 – – 79 – Total $ 110 $ 5,623 $ – $ 184 $ 5,261 $ – Maximum exposure to loss (2) $ 20,998 $ 1 $ 21,654 $ 21,740 $ 1 $ 3,446 Total assets of the entities $    12,956 $    5,624 $    87,611 $    13,936 $     5,260 $    30,877 (1) Securities held that are issued by our Canadian and U.S. customer securitization vehicles comprise (2) Maximum exposure to loss represents securities held, undrawn liquidity facilities, any remaining unfunded committed amounts to the BMO funded vehicle, derivative assets and other assets.
Consolidated structured entities [member]
Statement [Line Items]
Summary of Carrying Value and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities	The following table presents the carrying values and fair values of assets and liabilities related to these consolidated securitization vehicles: (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value Fair value Assets Credit cards $ 10,964 $ 10,964 $ 9,506 $ 9,506 Consumer instalment and other personal (2) 3,732 3,728 4,695 4,670 Total $ 14,696 $ 14,692 $ 14,201 $ 14,176 Associated liabilities (3) $    9,151 $    9,146 $    10,376 $    10,177 (1) Carrying value of loans is net of ACL. (2) Includes real estate lines of credit and auto loans. (3) Associated liabilities are recognized in securitization and structured entities’ liabilities in our Consolidated Balance Sheet.

Derivative Instruments (Tables)

Derivative Instruments (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Schedule of Fair Value of Derivative Instruments	Fair values of our derivative instruments are as follows: (Canadian $ in millions) 2024 2023 Gross assets Gross liabilities Net Gross assets Gross liabilities Net Trading Interest Rate Contracts Swaps $ 3,203 $ (5,707 ) $ (2,504 ) $ 4,193 $ (9,393 ) $ (5,200 ) Forward rate agreements 477 (281 ) 196 360 (84 ) 276 Purchased options 2,574 –      2,574 3,221 – 3,221 Written options – (2,341 ) (2,341 ) – (3,129 ) (3,129 ) Futures 21 (10 ) 11 6 (21 ) (15 ) Foreign Exchange Contracts (1) Cross-currency swaps 1,989 (1,378 ) 611 1,887 (1,397 ) 490 Cross-currency interest rate swaps 9,777 (10,867 ) (1,090 ) 10,340 (10,081 ) 259 Forward foreign exchange contracts 8,150 (6,096 ) 2,054 6,685 (5,469 ) 1,216 Purchased options 657 – 657 575 – 575 Written options – (528 ) (528 ) – (448 ) (448 ) Commodity Contracts Swaps 1,023 (1,097 ) (74 ) 1,029 (743 ) 286 Purchased options 644 – 644 850 – 850 Written options – (607 ) (607 ) – (787 ) (787 ) Futures 160 (117 ) 43 143 (127 ) 16 Equity Contracts 14,194 (25,673 ) (11,479 ) 4,690 (11,460 ) (6,770 ) Credit Contracts Purchased 1 (10 ) (9 ) 13 (18 ) (5 ) Written 9 (1 ) 8 12 (9 ) 3 Total fair value – trading derivatives $ 42,879 $ (54,713 ) $ (11,834 ) $ 34,004 $ (43,166 ) $ (9,162 ) Hedging Interest Rate Contracts (2) Cash flow hedges – swaps $ 2,148 $ (915 ) $ 1,233 $ 693 $ (3,784 ) $ (3,091 ) Fair value hedges – swaps 1,464 (1,589 ) (125 ) 4,877 (1,390 )      3,487 Total swaps 3,612 (2,504 ) 1,108 5,570 (5,174 ) 396 Foreign Exchange Contracts Cash flow hedges 699 (1,080 ) (381 ) 333 (1,801 ) (1,468 ) Fair value hedges – (2 ) (2 ) 69 (1 ) 68 Net investment hedges – (4 ) (4 ) – (8 ) (8 ) Total foreign exchange contracts 699 (1,086 ) (387 ) 402 (1,810 ) (1,408 ) Equity Contracts Cash flow hedges 63 – 63 – (43 ) (43 ) Total equity contracts 63 – 63 – (43 ) (43 ) Total fair value – hedging derivatives (3) 4,374 (3,590 ) 784 5,972 (7,027 ) (1,055 ) Total fair value – trading and hedging derivatives 47,253 (58,303 ) (11,050 ) 39,976 (50,193 ) (10,217 ) Less: impact of master netting agreements (31,576 )     31,576 – (26,674 )     26,674 – Total $     15,677 $ (26,727 ) $ (11,050 ) $     13,302 $ (23,519 ) $ (10,217 ) (1) Gold contracts are included in foreign exchange contracts. (2) Includes the fair value of bond futures in fair value hedges rounded down to $nil million as at October 31, 2024 ($nil million as at October 31, 2023). (3) The fair values of hedging derivatives wholly or partially offset the changes in fair values of the related on-balance
Schedule of Notional Amounts of Trading Derivatives	The notional amounts of our derivatives rep res (Canadian $ in millions) 2024 2023 Exchange-traded Over-the-counter Total Exchange-traded Over-the-counter Total Interest Rate Contracts Swaps $ – $ 16,390,827 $ 16,390,827 $ – $ 9,254,984 $ 9,254,984 Forward rate agreements – 3,414,449 3,414,449 – 132,653 132,653 Purchased options 136,796 253,694 390,490 37,264 130,000 167,264 Written options 26,468 255,721 282,189 38,256 118,524 156,780 Futures 1,735,442 – 1,735,442 1,367,959 – 1,367,959 Total interest rate contracts 1,898,706 20,314,691 22,213,397 1,443,479 9,636,161 11,079,640 Foreign Exchange Contracts (1) Cross-currency swaps – 64,100 64,100 – 54,169 54,169 Cross-currency interest rate swaps – 891,272 891,272 – 677,765 677,765 Forward foreign exchange contracts – 679,250 679,250 – 563,716 563,716 Purchased options 3,572 76,576 80,148 1,851 51,143 52,994 Written options 3,248 88,210 91,458 2,282 55,370 57,652 Futures 1,751 – 1,751 4,035 – 4,035 Total foreign exchange contracts 8,571 1,799,408 1,807,979 8,168 1,402,163 1,410,331 Commodity Contracts Swaps – 20,328 20,328 – 18,574 18,574 Purchased options 43,931 5,495 49,426 30,397 5,319 35,716 Written options 45,440 4,268 49,708 31,351 4,218 35,569 Futures 36,071 – 36,071 35,285 – 35,285 Total commodity contracts 125,442 30,091 155,533 97,033 28,111 125,144 Equity Contracts 333,126 138,034 471,160 189,112 115,689 304,801 Credit Contracts Purchased – 23,350 23,350 – 16,927 16,927 Written – 16,211 16,211 – 10,010 10,010 Total credit contracts – 39,561 39,561 – 26,937 26,937 Total $    2,365,845 $    22,321,785 $    24,687,630 $    1,737,792 $    11,209,061 $    12,946,853 (1) Gold contracts are included in foreign exchange contracts. Table excludes loan commitment derivatives with a notional amount of $2,498
Schedule of Notional Amount and Average Rates of Derivatives and the Carrying Amount of Deposits Designated as Hedging Instruments, by Term to Maturity	The following table outlines the notional amounts and average rates of derivatives and the carrying amounts of deposits designated as hedging instruments, by term to maturity, hedge type and risk type, where applicable. (Canadian $ in millions, except as noted) Remaining term to maturity 2024 2023 Within 1 year 1 to 3 years 3 to 5 years 5 to 10 years Over 10 years Total Total Cash Flow Hedges Interest rate risk – Interest rate swaps Notional amount (1) $ 62,887 $ 99,368 $ 64,333 $ 34,402 $ 5,882 $ 266,872 $ 186,679 Average fixed interest rate 4.59% 3.38% 3.54% 3.63% 3.79% 3.75% 4.20% Foreign exchange risk – Cross-currency swaps (2) CAD-USD Notional amount 4,256 21,186 14,229 1,011 251 40,933 43,622 Average fixed interest rate 1.96% 3.38% 3.24% 1.75% 3.02% 3.14% 2.77% Average exchange rate: CAD-USD 1.2589 1.3197 1.3532 1.3266 1.3122 1.3252 1.3218 CAD-EUR Notional amount 717 13,171 3,310 – 201 17,399 16,386 Average fixed interest rate 5.40% 3.44% 3.21% – 2.97% 3.47% 3.15% Average exchange rate: CAD-EUR 1.4345 1.4177 1.4711 – 1.4870 1.4293 1.4352 Other currency pairs (3) Notional amount 923 6,548 2,219 237 – 9,927 9,787 Average fixed interest rate 2.54% 2.98% 4.22% 4.83% – 3.26% 2.99% Average exchange rate: CAD-Non 1.4539 1.6847 1.2748 0.3257 – 1.5391 1.5221 Equity price risk – Total return swap (4) Notional amount 20 460 – – – 480 451 Fair Value Hedges Interest rate risk – Interest rate swaps Notional amount (5) 51,525 42,933 56,909 33,010 3,901 188,278 169,368 Average fixed interest rate 4.53% 3.94% 3.71% 3.74% 3.80% 3.99% 3.91% Interest rate risk – Bond futures (exchange-traded derivatives) Notional amount 1,479 – – – – 1,479 2,825 Average price in dollars 108 – – – – 108 105 Foreign exchange risk – Cross-currency swaps (6) USD-EUR Notional amount 21 – – – – 21 21 Average fixed interest rate 3.25% – – – – 3.25% 3.25% Average exchange rate: USD-EUR 0.9706 – – – – 0.9706 0.9706 USD-JPY Notional amount – – – – – – 476 Average fixed interest rate – – – – – – (0.08)% Average exchange rate: USD-JPY – – – – – – 0.0076 Net Investment Hedges Foreign exchange risk – Cross-currency swaps CAD-CNH Notional amount 677 – – – – 677 650 Foreign exchange risk – Deposit liabilities USD denominated deposit – carrying amount 16,053 – – – – 16,053 13,154 GBP denominated deposit – carrying amount 300 – – – – 300 157 (1) The notional amount of interest rate swaps maturing after June 28, 2024 which referenced CDOR was $21,718 million October 31, 2023 There are no derivatives referencing CDOR as at October 31, 2024. (2) Under certain hedge strategies using cross-currency swaps, a CAD leg is inserted to create two swaps designated as separate hedges (for example, a EUR-USD EUR-CAD CAD-USD CAD-foreign (3) Includes CAD-AUD, CAD-CHF, CAD-CNH, CAD-GBP, CAD-HKD, CAD-JPY CAD-NOK , June 28, 2024 which referenced CDOR was $ (4) The notional amount of total return swaps maturing after June 28, 2024 which referenced CDOR was $451 million October 31, 2023 (5) The notional amount of interest rate swaps maturing after June 28, 2024 which referenced CDOR was $22,328 million October 31, 2023 (6) The notional amount of cross-currency swaps maturing after June 28, 2024 which referenced CDOR was $nil million October 31, 2023
Schedule of Hedging Instrument Impacts on Cash Flow Hedge Ineffectiveness	The following table contains information related to the hedging instruments, hedged items and hedge ineffectiveness for cash flow and net investment hedges for the years ended October 31, 2024 and 2023. (Canadian $ in millions) 2024 Carrying amount of hedging instruments Hedge ineffectiveness Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Cash Flow Hedges Interest rate risk – Interest rate swaps $ 2,148 $ (915 ) $ 3,552 $ (3,615 ) $ (12 ) Foreign exchange risk – Cross-currency swaps 699 (1,080 ) (251 ) 251 – Equity price risk – Total return swaps 63           – 165 (165 )           – 2,910 (1,995 ) 3,466 (3,529 ) (12 ) Net Investment Hedges Foreign exchange risk – Cross-currency swaps – (4 ) (23 ) 19 (4 ) Foreign exchange risk – Deposit liabilities           – (16,353 ) (119 ) 119 – Total $ 2,910 $ (18,352 ) $ 3,324 $ (3,391 ) $ (16 ) 2023 Carrying amount of hedging instruments (1) Hedge ineffectiveness Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Cash Flow Hedges Interest rate risk – Interest rate swaps $ 693 $ (3,784 ) $ (1,543 ) $ 1,511 $ – Foreign exchange risk – Cross-currency swaps (3) 333 (1,801 ) (245 ) 245 – Equity price risk – Total return swaps – (43 ) (80 ) 80 –   1,026 (5,628 ) (1,868 ) 1,836 – Net Investment Hedges Foreign exchange risk – Cross-currency swaps – (8 ) 23 (22 ) 1 Foreign exchange risk – Deposit liabilities – (13,311 ) (485 ) 485 – Total $ 1,026 $   (18,947 ) $   (2,330 ) $   2,299 $    1 (1) Represents unrealized gains (losses) recorded as part of derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet. (2) Represents life to date amounts. (3) Includes derivatives entered into in relation to our acquisition of Bank of the West and its subsidiaries, which were settled upon completion of the transaction. Refer to Note 10 for further details.
Schedule of Hedging Instrument Impacts on Consolidated Statement of Other Comprehensive Income on Pre-Tax Basis	The following tables provide a reconciliation of the impacts of our cash flow hedges and net investment hedges in our Consolidated Statement of Comprehensive Income, on a pre-tax (Canadian $ in millions) 2024 Balance in cash flow hedge AOCI / Balance October 31, 2023 Gains / Amount reclassified to the hedged item affects Balance Active hedges Discontinued hedges Cash Flow Hedges Interest rate risk $ (8,015 ) $ 3,564 $ 1,971 $ (2,480 ) $ 1,695 $ (4,175 ) Foreign exchange risk             610 (251 ) (2 ) 357 357 – Equity price risk (72 ) 165 (16 ) 77 77 – (7,477 ) 3,478 1,953 (2,046 ) 2,129 (4,175 ) Net Investment Hedges Foreign exchange risk (2,186 ) (138 ) – (2,324 ) (2,324 ) – Total $    (9,663 ) $ 3,340 $ 1,953 $ (4,370 ) $ (195 ) $ (4,175 ) 2023 Balance in cash flow hedge AOCI / Balance October 31, 2022 Gains / Amount reclassified to the hedged item affects Balance Active hedges Discontinued hedges Cash Flow Hedges Interest rate risk $ (8,204 ) $ (1,543 ) $ 1,732 $ (8,015 ) $ (2,720 ) $ (5,295 ) Foreign exchange risk (3)    1,223 (245 ) (368 ) 610 610 – Equity price risk 33 (80 ) (25 ) (72 ) (72 ) – (6,948 ) (1,868 ) 1,339 (7,477 ) (2,182 ) (5,295 ) Net Investment Hedges Foreign exchange risk (1,723 ) (463 ) – (2,186 ) (2,186 ) – Total $ (8,671 ) $   (2,331 ) $   1,339 $   (9,663 ) $   (4,368 ) $ (5,295 ) (1) Tax balance related to cash flow hedges accumulated other comprehensive income was $527 (2) Tax balance related to net investment hedges accumulated other comprehensive income was $593 (3) On closing our acquisition of Bank of the West on February 1, 2023, we settled the foreign exchange forward contracts entered to mitigate foreign exch an an after-tax
Schedule of Hedging Instrument Impacts on Fair Value Hedge Ineffectiveness	(Canadian $ in millions) 2024 Carrying amount of Hedge ineffectiveness Accumulated amount of fair value Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Carrying Active Discontinued Fair Value Hedge (3) Interest rate swaps $ 1,464 $ (1,589 ) $ – $ – $ – $ – $ – $ – Cross-currency swaps – (2 ) – – – – – – Securities and loans – – (3,266 ) 3,117 (149 ) 118,397 741 (1,293 ) Deposits, subordinated debt and other liabilities – – 1,234 (1,217 ) 17 (65,156 ) (214 ) 930 Total $  1,464 $ (1,591 ) $ (2,032 ) $ 1,900 $ (132 ) $ 53,241 $ 527 $ (363 ) (1) Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet. (2) Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value. (3) Includes the fair value of bond futures rounded down to $nil million as at October 31, 2024. 2023 Carrying amount of Hedge ineffectiveness Accumulated amount of fair value Asset Liability Gains (losses) on Gains (losses) on Ineffectiveness non-interest Carrying Active Discontinued hedges Fair Value Hedge (3) Interest rate swaps $  4,877 $ (1,390 ) $ – $ – $ – $ – $ – $ – Cross-currency swaps 69 (1 ) – – – – – – Securities and loans – – 4,071 (3,955 ) 116 87,043 (4,373 ) (404 ) Deposits, subordinated debt and other liabilities – –  (1,078 ) 1,139       61  (77,358 ) 1,015 1,867 Total $ 4,946 $  (1,391 ) $  2,993 $  (2,816 ) $  177 $ 9,685 $  (3,358 ) $  1,463 (1) Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our (2) Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value. (3) Includes the fair value of bond futures rounded down to $nil million as at October 31, 2023.
Schedule of Derivative-Related Credit Risk	(Canadian $ in millions) 2024 2023 Replacement Credit risk Risk-weighted Replacement Credit risk Risk-weighted Interest Rate Contracts Over-the-counter Swaps $ 2,404 $ 7,797 $ 1,125 $ 1,265 $ 5,133 $ 1,006 Forward rate agreements 650 2,696 600 571 2,219 471 Purchased options 42 338 188 45 174 61 Written options 2 211 78 1 140 77 3,098 11,042 1,991 1,882 7,666 1,615 Exchange-traded Futures 122 279 6 171 296 6 Purchased options 8 19 – 3 4 – Written options – 1 – – – – 130 299 6 174 300 6 Total interest rate contracts 3,228 11,341 1,997 2,056 7,966 1,621 Foreign Exchange Contracts (2) Over-the-counter Swaps 1,559 7,218 825 1,921 6,517 1,313 Forward foreign exchange contracts 2,709 9,643 1,764 2,300 9,296 1,908 Purchased options 142 447 142 149 448 129 Written options 1 119 27 2 118 39 4,411 17,427 2,758 4,372 16,379 3,389 Exchange-traded Futures – 1 – – – – Purchased options – 3 – 3 8 – Written options – – – – – – – 4 – 3 8 – Total foreign exchange contracts 4,411 17,431 2,758 4,375 16,387 3,389 Commodity Contracts Over-the-counter Swaps 993 4,256 1,035 468 1,957 683 Purchased options 155 484 182 4 280 110 Written options 10 246 86 47 331 106 1,158 4,986 1,303 519 2,568 899 Exchange-traded Futures 176 594 12 243 869 17 Purchased options 179 319 6 329 535 11 Written options – 73 1 3 83 2 355 986 19 575 1,487 30 Total commodity contracts 1,513 5,972 1,322 1,094 4,055 929 Equity Contracts Over-the-counter 199 8,625 1,645 684 8,274 2,123 Exchange-traded 675 2,899 58 1,640 4,635 93 Total equity contracts 874 11,524 1,703 2,324 12,909 2,216 Credit Contracts 103 309 39 446 1,093 81 Total $ 10,129 $ 46,577 $ 7,819 $ 10,295 $ 42,410 $ 8,236 (1) Replacement cost and credit risk equivalent are presented after the impact of master netting agreements and calculated using the Standardized Approach for Counterparty Credit Risk (SA-CCR) (2) Gold contracts are included in foreign exchange contracts.
Schedule of Remaining Contractual Terms to Maturity for Notional Amounts of Derivative Contracts	Our derivative contracts have varying maturity dates. The remaining contractual terms to maturity for the notional amounts of our derivative contracts are set out below: (Canadian $ in millions) Term to maturity 2024 2023 Within 1 1 to 3 3 to 5 5 to 10 Over 10 Total notional Total notional Interest Rate Contracts Swaps $ 8,085,307 $ 3,515,046 $ 2,371,050 $ 2,013,819 $ 860,755 $ 16,845,977 $ 9,611,030 Forward rate agreements, futures and options 4,016,550 1,652,656 127,962 23,015 3,866 5,824,049 1,827,482 Total interest rate contracts 12,101,857 5,167,702 2,499,012 2,036,834 864,621 22,670,026 11,438,512 Foreign Exchange Contracts (1) Swaps 222,003 359,299 211,093 149,931 59,997 1,002,323 780,954 Forward foreign exchange contracts 651,037 21,566 2,334 1,854 3,136 679,927 564,366 Futures 1,735 16 – – – 1,751 4,035 Options 152,864 17,904 838 – – 171,606 110,646 Total foreign exchange contracts 1,027,639 398,785 214,265 151,785 63,133 1,855,607 1,460,001 Commodity Contracts Swaps 13,781 5,593 597 357 – 20,328 18,574 Futures 20,226 14,393 1,292 160 – 36,071 35,285 Options 47,556 51,286 193 99 – 99,134 71,285 Total commodity contracts 81,563 71,272 2,082 616 – 155,533 125,144 Equity Contracts 394,847 61,511 12,809 1,738 735 471,640 305,252 Credit Contracts 1,233 5,273 23,239 8,511 1,305 39,561 26,937 Total notional amount $  13,607,139 $  5,704,543 $  2,751,407 $  2,199,484 $  929,794 $  25,192,367 $  13,355,846 (1) Gold contracts are included in foreign exchange contracts. Under the SA-CCR,

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Maximum Estimated Useful Lives to Amortize Assets	The maximum estimated useful lives we use to depreciate our assets are as follows: Buildings 10 to 40 years Computer equipment and operating system software 5 to 7 years Other equipment 10 years Leasehold improvements      Lease term to a maximum of 10
Summary of Net Rent Expense for Premises and Equipment	The total cost and associated accumulated depreciation for premises and equipment that we own or lease are set out below: (Canadian $ in millions) Land Buildings Computer Other Leasehold Right-of-use Total Cost Balance at October 31, 2022 $ 119 $ 1,688 $ 2,671 $ 945 $ 2,054 $ 3,435 $ 10,912 Additions/lease modifications 13 91 280 125 413 406 1,328 Acquisitions 213 276 63 12 25 523 1,112 Disposals (28 ) (26 ) (109 ) (30 ) (97 ) (60 ) (350 ) Foreign exchange and other 6 18 18 8 18 53 121 Balance at October 31, 2023 323 2,047 2,923        1,060        2,413 4,357 13,123 Additions/lease modifications – 81 270 117 352 171 991 Disposals (7 ) (41 ) (22 ) (11 ) (26 ) – (107 ) Fully depreciated assets – (32 ) (694 ) (257 ) (71 ) (96 ) (1,150 ) Foreign exchange and other 1 4 3 2 7 12 29 Balance at October 31, 2024 $ 317 $ 2,059 $ 2,480 $ 911 $ 2,675 $        4,444 $        12,886 Accumulated Depreciation and Impairment Balance at October 31, 2022 $ – $  1,188 $  2,007 $ 667 $ 1,270 $ 939 $ 6,071 Disposals – (25 ) (106 ) (29 ) (94 ) (50 ) (304 ) Depreciation – 70 306 65 169 412 1,022 Foreign exchange and other (1) – 5 21 1 11 55 93 Balance at October 31, 2023 – 1,238 2,228 704 1,356 1,356 6,882 Disposals – (29 ) (12 ) (8 ) (21 ) – (70 ) Depreciation – 64 261 76 167 402 970 Fully depreciated assets – (32 ) (694 ) (257 ) (71 ) (96 ) (1,150 ) Foreign exchange and other (1) – 1 (4 ) (6 ) 5 9 5 Balance at October 31, 2024 $ – $        1,242 $        1,779 $ 509 $ 1,436 $ 1,671 $ 6,637 Net Carrying Value Balance at October 31, 2024 $        317 $ 817 $ 701 $ 402 $  1,239 $  2,773 $ 6,249 Balance at October 31, 2023 323 809 695 356 1,057 3,001 6,241 (1) Includes impairment charges.

Acquisitions (Tables)

Acquisitions (Tables)	12 Months Ended
	Oct. 31, 2024
AIR MILES [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
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 d ate (Canadian $ in millions)                                                June 1, 2023 Securities $         668 Goodwill and intangible assets 384 Other assets 141 Total assets        1,193 Deferred revenue (1) 916 Other liabilities 64 Total liabilities 980 Purchase price $         213 (1) Deferred revenue reflects our obligation to fulfill the redemption of miles that were outstanding at the acquisition date and is included in other liabilities in our Consolidated Balance Sheet.
Bank of the West [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Summary of Fair Value of Assets Acquired and Liabilities Assumed at The Date of Acquisition	We recorded the assets acquired and liabilities assumed at fair value as at the date of acquisition, as shown in the table below. (Canadian $ in millions) February 1, 2023 Purchase consideration $ 18,382 Impact of forward contracts (1) (269 ) Net purchase consideration 18,113 Fair value of identifiable assets acquired Securities 28,437 Loans Residential mortgages 11,912 Consumer instalment and other personal 20,268 Credit cards 885 Business and government 43,418 Total loans 76,483 Other assets (2) 9,152 Intangible assets 2,883 Total fair value of identifiable assets acquired 116,955 Fair value of identifiable liabilities assumed Deposits 91,711 Other liabilities (2) 17,697 Total fair value of identifiable liabilities assumed 109,408 Non-controlling 16 Goodwill 10,582 Net purchase consideration $ 18,113 (1) To mitigate changes in the Canadian dollar equivalent of the purchase price between our announcement of the acquisition and its closing, we entered into forward contracts, which qualified for hedge accounting. Changes in the fair value of these forward contracts of $ 269 (after-tax) were (2) The net deferred tax asset recorded in the opening balance sheet was 1,273
Radicle [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
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 were as follows: (Canadian $ in millions) December 1, 2022 Goodwill and intangible assets $ 145 Other assets 85 Total assets 230 Liabilities 35 Purchase price $         195

Goodwill and Intangible Assets

Goodwill and Intangible Assets (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Continuity of Goodwill By Group of CGUs	A continuity of our goodwill by group of CGUs for the years ended O ctobe (Canadian $ in millions) Personal and Commercial Banking BMO Wealth Management BMO Capital Markets Total Canadian U.S. P&C Total Wealth and Asset Insurance Total Balance at October 31, 2022 $ 97 $ 3,929 $ 4,026 $ 822 $        2 $ 824 $          435 $ 5,285 Acquisitions (1)    233 10,345 10,578 237 – 237 85 10,900 Foreign exchange and other – 515 515 20 – 20 8 543 Balance at October 31, 2023 330   14,789   15,119     1,079 2    1,081 528   16,728 Foreign exchange and other – 43 43 2 – 2 1 46 Balance at October 31, 2024 $ 330 $ 14,832 $ 15,162 $ 1,081 $ 2 $ 1,083 $ 529 $ 16,774 (1) Refer to Note 10 for further information.
Summary of Intangible Assets	The total cost and associated accumulated amortization of our intangible assets are set out below: (Canadian $ in millions) Customer Core deposits Software – Software under Other Total Cost Balance at October 31, 2022 $        521 $ 978 $ 6,237 $ 259 $ 322 $ 8,317 Additions – – 58 739 33 830 Acquisitions (1) 311 2,453 103 – 227 3,094 Transfers – – 672      (672 ) – – Fully amortized intangibles – – (29 ) – (21 ) (50 ) Foreign exchange and other 18 122 30 (2 ) 11 179 Balance at October 31, 2023 850 3,553 7,071 324 572 12,370 Additions – – 22 782 48 852 Transfers – – 688 (688 ) – – Fully amortized intangibles – – (1,696 ) – (33 ) (1,729 ) Foreign exchange and other 2 10 11 (1 ) 1 23 Balance at October 31, 2024 $ 852 $ 3,563 $ 6,096 $ 417 $ 588 $ 11,516 Accumulated Amortization Balance at October 31, 2022 $ 435 $ 978 $ 4,422 $ – $ 289 $ 6,124 Amortization 44 291 646 – 27 1,008 Write-downs – – 9 – – 9 Fully amortized intangibles – – (29 ) – (21 ) (50 ) Foreign exchange and other 8 26 25 – 4 63 Balance at October 31, 2023 487 1,295 5,073 – 299 7,154 Amortization 62 342 676 – 32 1,112 Write-downs 4 – 22 – – 26 Fully amortized intangibles – – (1,696 ) – (33 ) (1,729 ) Foreign exchange and other 3 10 15 – – 28 Balance at October 31, 2024 $ 556 $       1,647 $      4,090 $ – $      298 $      6,591 Net Carrying Value Balance at October 31, 2024 $ 296 $ 1,916 $ 2,006 $ 417 $ 290 $ 4,925 Balance at October 31, 2023 363 2,258 1,998 324 273 5,216 (1) Refer to Note 10 for further information. (2) Includes internally generated software of $5,466 million in cost and $3,653 million in accumulated amortization as at October 31, 2024 ($6,172 million in cost and $4,420 million in accumulated amortization as at October 31, 2023).

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Components of Other within Other Assts	The components of other within other assets are as follows (Canadian $ in millions) 2024 2023 Accounts receivable, prepaid expenses and other items $        3,832 $ 5,806 Accrued interest receivable 4,463 4,097 Bank owned life insurance policies 6,350 6,306 Leased vehicles, net of accumulated amortization 67 124 Cash collateral 9,419 9,939 Investments in associates and joint ventures 1,727 1,461 Insurance-related assets (1) 5,748 4,066 Other employee future benefits assets (Note 22) 44 81 Pension asset (Note 22) 1,252 1,225 Precious metals (2) 9,485 4,701 Total $ 42,387 $     37,806 (1) Includes $1,363 million of investment properties ($1,326 million as at October 31, 2023) carried at fair value. These investment properties support our insurance contract liabilities. The fair value is determined by external independent property valuers and categorized as Level 3 (refer to Note 18 for further information on fair value levels) using models with unobservable market inputs. (2) Precious metals are recorded at fair value based on quoted prices in active markets. Changes in fair value are

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Oct. 31, 2024
Disclosure Of Deposits [Line Items]
Summary of Deposits	Payable on demand (Canadian $ in millions) Interest bearing Non-interest Payable Payable on 2024 2023 Amortized cost deposits by: Banks (4) $ 4,302 $ 1,945 $ 1,584 $ 24,715 $ 32,546 $ 29,080 Business and government 70,630 41,740 209,747 252,902 575,019 548,068 Individuals 3,567 34,675 140,742 141,783 320,767 297,886 Total amortized cost deposits 78,499 78,360 352,073 419,400 928,332 875,034 Deposits at FVTPL – – – 54,108 54,108 35,845 Total (5) $ 78,499 $ 78,360 $ 352,073 $ 473,508 $ 982,440 $ 910,879 Booked in: Canada $ 66,676 $ 66,417 $ 148,164 $ 336,884 $ 618,141 $ 564,412 United States 11,753 11,942 201,844 88,527 314,066 301,064 Other countries 70 1 2,065 48,097 50,233 45,403 Total $ 78,499 $ 78,360 $ 352,073 $ 473,508 $   982,440 $     910,879 (1) Includes $44,617 million of non-interest (2) Includes $65,986 million of senior unsecured debt as at October 31, 2024 subject to the Bank Recapitalization (Bail-In) Bail-In non-viable. (3) We have unencumbered liquid assets of $396,338 million as at October 31, 2024 to support these and other deposit liabilities ($360,213 million as at October 31, 2023). (4) Includes regulated and central banks. (5) Included in deposits as at October 31, 2024 and 2023 are $521,160 million and $492,404 million, respectively, of deposits denominated in U.S. dollars, and $54,397 million and $55,705 million, respectively, of deposits denominated in other foreign currencies.
Summary of Deposits Payable On a Fixed Date	The following table presents deposits payable on a fixed date and greater than one hundred thousand dollars: (Canadian $ in millions) Canada United States Other Total As at October 31, 2024 $ 285,555 $ 77,313 $ 48,086 $ 410,954 As at October 31, 2023        269,262         73,226         43,106     385,594
Summary of Maturity Schedule for Deposits Greater Than One Hundred Thousand Dollars Booked In Canada	The following table presents the maturity schedule for deposits payable on a fixed date and greater than one hundred thousand dollars, that are booked in Canada: (Canadian $ in millions) Less than 3 months 3 to 6 months 6 to 12 months Over 12 months Total As at October 31, 2024 $        63,442 $     33,704 $      62,674 $      125,735 $   285,555 As at October 31, 2023 55,070        38,509         61,370        114,313     269,262
Summary of fair value and changes in fair value of structured note liabilities	(Canadian $ in millions) Fair value Notional amount Difference Change in fair value - gains (losses) recorded Change in fair value - Cumulative change in fair value - gains due to own As at October 31, 2024 $    54,108 $      56,300 $        (2,192 ) $         (4,815 ) $         (841 ) $ 24 As at October 31, 2023 35,845 42,973 (7,128 ) 1,692 (379 )          865 (1) Change in fair value may be offset by related change in fair value on hedge contracts.

Other Liabilities (Tables)

Other Liabilities (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Components of Other within Other Liablities	The components of other within other liabilities are as follows (Canadian $ in millions) 2024 2023 Accounts payable, accrued expenses and other items $       11,311 $ 11,999 Accrued interest payable 6,468 5,299 ACL on off-balance 580 460 Cash collateral 6,414 6,406 Credit card loyalty rewards 1,465 1,432 Current tax liabilities 470 44 Deferred tax liabilities (Note 23) 1 16 Lease liabilities 3,326 3,506 Liabilities of subsidiaries 5,633 18,120 Other employee future benefits liability (Note 22) 863 823 Pension liability (Note 22) 189 179 Total $ 36,720 $        48,284

Insurance (Tables)

Insurance (Tables)	12 Months Ended
	Oct. 31, 2024
Insurance service result [abstract]
Summary of Insurance Service Results	(Canadian $ in millions) 2024 2023 Insurance revenue $ 1,767 $         1,587 Insurance service expenses (1,330 ) (1,080 ) Net expenses from reinsurance contracts (97 ) (118 ) Insurance service results $        340 $ 389
Summary of Insurance Investment Results	Insurance investment results in our Consolidated Statement of Income are as follows: (Canadian $ in millions) 2024 2023 Investment return $ 2,320 $ 285 Insurance finance (expense) from insurance and reinsurance contracts held (2,098 ) (127 ) Movement in investment contract liabilities (117 ) 13 Insurance investment results $        105 $          171
Summary of the Insurance Liability by Remaining Coverage and Incurred Claims	Insurance contract liabilities by remaining coverage and incurred claims comprise (Canadian $ in millions) 2024 2023 Liabilities for Liabilities for Total Liabilities for Liabilities for Total Insurance contract liabilities, beginning of year $        13,114 $        235 $     13,349 $ 11,850 $ 267 $ 12,117 Insurance service results (1,448 ) 1,101 (347 ) (1,403 ) 979 (424 ) Net finance expenses from insurance contracts 2,206 – 2,206 179 – 179 Total cash flows 3,176 (1,136 ) 2,040 2,488     (1,013 ) 1,475 Other changes in the net carrying amount of the insurance contract (1 ) 1 – – 2 2 Insurance contract liabilities, end of year (1) $ 17,047 $ 201 $ 17,248 $        13,114 $ 235 $     13,349 (1) The liabilities for incurred claims relating to insurance contracts in our creditor and reinsurance business were $115 million as at October 31, 2024 and $131 million as at October 31, 2023.
Summary of Yield Curve Used to Discount Cash Flows that do not Vary Based on Underlying Items	We use the following rates to discount fulfilment cash flows of our insurance contracts, which are based on a risk-free yield adjusted for an illiquidity premium that reflects the liquidity characteristics of the liabilities: Portfolio duration: 2024 2023 1 year    4.16%     6.10% 3 years 4.17% 5.83% 5 years 4.35% 5.69% 10 years 4.82% 5.82% 20 years 5.15% 5.85% 30 years 4.98% 5.81% Ultimate 5.00% 5.00%

Subordinated Debt (Tables)

Subordinated Debt (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Maturities of Subordinated Debt and Repayment	The face values, terms to maturity and carrying values of our subordinated debt are as follows: (Canadian $ in millions, except as noted) Face value Maturity date Interest rate (%) Reset premium (%) Redeemable at our option (2) 2024 2023 Total Debentures Series 20 $  150 December 2025 to 2040 8.25 na Not redeemable $    147 $ 147 3.803% Subordinated Notes due 2032 (1) US$1,250 December 2032 3.80 1.43 (3) December 2027 1,602 1,510 Series J Medium-Term Notes, First Tranche (1) $1,000 September 2029 2.88 na (4) September 2024 – 999 Series J Medium-Term Notes, Second Tranche (1) $1,250 June 2030 2.08 na (4) June 2025 1,237 1,248 Series K Medium-Term Notes, First Tranche (1) $1,000 July 2031 1.93 na (4) July 2026 992 988 3.088% Subordinated Notes due 2037 (1) US$1,250 January 2037 3.09 1.40 (6) January 2032 1,466 1,439 Series L Medium-Term Notes, First Tranche (1) $  750 October 2032 6.53 2.70 (7) October 2027 732 749 Series M Medium-Term Notes, First Tranche (1) $1,150 September 2033 6.03 2.02 (7) September 2028 1,202 1,148 Series M Medium-Term Notes, Second Tranche (1) $1,000 July 2034 4.98 1.63 (7) July 2029 (8) 999 – Total ( 9 $ 8,377 $  8,228 (1) These notes include a NVCC provision, which is necessary for notes issued after a certain date to qualify as regulatory capital under Basel III. As such, they are convertible into a variable number of our common shares if OSFI announces that the bank is, or is about to become, non-viable non-viability. (2) Redeemable at par with accrued and unpaid interest to and excluding the redemption date. (3) Interest rate will reset at a rate equal to the 5-year mid-swap (4) Interest rate will reset at a rate determined in accordance with (5) All $1,000 million 2.88% Series J Medium-Term Notes (NVCC ), (6) Interest rate will reset at a rate equal to the 5-year (7) Interest rate will reset at a rate equal to the Canadian Overnight Repo Rate Average (CORRA) plus the reset premium noted. (8) On July 3, 2024, we issued $1,000 million of unsecured subordinated debt through our Canadian Medium-Term Note program. These notes are redeemable at par on July 3, 2029 together with accrued and unpaid interest to, but excluding, the redemption date. (9) Certain amounts of subordinated debt were issued at a premium or discount and include fair value hedge adjustments, which together decreased their carrying value as at October 31, 2024 by $400 million (decreased by $539 million in 2023). Refer to Note 8 for further details on hedge adjustments. The carrying value is also adjusted for our subordinated debt holdings, held for market-making purposes. na – not applicable

Equity (Tables)

Equity (Tables)	12 Months Ended
	Oct. 31, 2024
Statement [Line Items]
Summary of Classes of Preferred and Common Shares Outstanding	Preferred and Common Shares Outstanding and Other Equity Instruments (Canadian $ in millions, except as noted) 2024 2023 Number of shares Amount Dividends declared Number of shares Amount Dividends declared Preferred Shares – Classified as Equity Class B – Series 27 (1) – $ – $         0.48  20,000,000 $ 500 $ 0.96 Class B – Series 29 (2) – – 0.68 16,000,000 400 0.91 Class B – Series 31 (3) 12,000,000 300 0.96 12,000,000 300 0.96 Class B – Series 33 8,000,000 200 0.76 8,000,000 200 0.76 Class B – Series 44 16,000,000 400 1.70 16,000,000 400 1.21 Class B – Series 46 (1) – – 0.64 14,000,000 350 1.28 Class B – Series 50 500,000 500 73.73 500,000 500 73.73 Class B – Series 52 650,000 650 70.57 650,000 650        57.52 Preferred Shares – Classified as Equity $ 2,050 $ 3,300 Other Equity Instruments 4.800% Additional Tier 1 Capital Notes (AT1 Notes) $ 658 $ 658 4.300% Series 1 LRCNs 1,250 1,250 5.625% Series 2 LRCNs 750 750 7.325% Series 3 LRCNs 1,000 1,000 7.700% Series 4 LRCNs (4) 1,356 – 7.300% Series 5 LRCNs (5) 1,023 – Other Equity Instruments $ 6,037 $ 3,658 Preferred Shares and Other Equity Instruments $ 8,087 $ 6,958 Common Shares Balance at beginning of year 720,909,161 $    22,941 677,106,878 $    17,744 Issued under the Shareholder Dividend 7,790,724 905 13,482,314 1,609 Issued under the Stock Option Plan and (Note 21) 811,652 74 724,853 61 Treasury shares sold 18,339 1 101,178 14 Issued to align capital position with increased – – 28,331,227 3,360 Issued for acquisitions (Note 10) – – 1,162,711 153 Balance at End of Year (6) 729,529,876 $ 23,921 $ 6.12 720,909,161 $    22,941 $ 5.80 (1) Series 27 and Series 46 were redeemed and final dividends were paid on May 25, 2024. (2) Series 29 was redeemed and final dividends were paid on August 25, 2024. (3) Series 31 was redeemed and final dividends were paid on November 25, 2024. (4) On March 8, 2024, we issued Series 4 LRCNs for US$1,000 million. (5) On July 17, 2024, we issued Series 5 LRCNs for US$750 million. (6) Common shares are net of 55,172 treasury shares as at October 31, 2024 (73,511 treasury shares as at October 31, 2023).
Summary of Preferred Share Rights and Privileges	Preferred Share Rights and Privileges (Canadian $, except as noted) Redemption amount Non-cumulative dividend (1) Reset premium Date redeemable / convertible Convertible to Class B – Series 31 25.00 $   (2) 2.22% November 25, 2024   (3) Class B – Series 32   Class B – Series 33 25.00 $   (2) 2.71% August 25, 2025   (4) (5) Class B – Series 34   (6) (7) Class B – Series 44 25.00 $   (2) 2.68% November 25, 2028   (4) (5) Class B – Series 45   (6) (7) Class B – Series 50 1,000.00 $36.865000   (2) 4.25% November 26, 2027   (4) Not convertible   (7) Class B – Series 52 1,000.00 $35.285000   (2) 4.25% May 26, 2028   (4) Not convertible   (7) (1) Non-cumulative (2) The dividend rate will reset on the date redeemable and every five years thereafter at a rate equal to the 5-year 3-month (3) Series 31 was redeemed and final dividends were paid on November 25, 2024. (4) Redeemable on the date noted and every five years thereafter. (5) Convertible on the date noted and every five years thereafter if not redeemed. If converted, the shares will become floating rate preferred shares. (6) If converted, the holders have the option to convert back to the original preferred shares on subsequent redemption dates. (7) The shares issued include a NVCC provision, which is necessary for the shares to qualify as regulatory capital under Basel III. Refer to the Non-Viability
Additional Tier 1 Capital Notes (NVCC) [member]
Statement [Line Items]
Summary of Classes of Preferred and Common Shares Outstanding	The AT1 Notes and LRCNs are compound financial instruments that have both equity and liability features. On the date of issuance, we assigned an insignificant value to the liability components of both types of instruments and, as a result, the full amount of proceeds has been classified as equity and forms part of our additional Tier 1 NVCC. Distributions on the AT1 Notes and LRCNs are recognized as a reduction in equity when payable. The AT1 Notes and LRCNs are subordinate to the claims of the depositors and certain other creditors in right of payment. The following table shows the details of our AT1 Notes and LRCNs as at October 31, 2024 and 2023. (Canadian $ in millions, except as noted) 2024 2023 Face value Interest rate (%) Redeemable at our option Convertible to Total Total 4.800% AT1 Notes US$  500 6.709 (1) February 2025 (2) Variable number of common shares (3) $   658 $ 658 4.300% Series 1 LRCNs $1,250 4.300 (4) November 2025 (2) Variable number of common shares (3) (4)   1,250 1,250 5.625% Series 2 LRCNs $  750 5.625 (4) May 2027 (2) Variable number of common shares (3) (4) 750 750 7.325% Series 3 LRCNs $1,000 7.325 (4) November 2027 (2) Variable number of common shares (3) (4) 1,000 1,000 7.700% Series 4 LRCNs US$1,000 7.700 (4) May 2029 (2) Variable number of common shares (3) (4) 1,356 – 7.300% Series 5 LRCNs US$  750 7.300 (4) November 2034 (2) Variable number of common shares (3) (4) 1,023 – Total $ 6,037 $   3,658 (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 any interest payment date on or after the first interest reset date 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 NVCC provision, which is necessary for the notes to qualify as regulatory capital under Basel III. Refer to the Non-Viability (4) Non-deferrable Non-payment

Fair Value Measurements and T_2

Fair Value Measurements and Trading-Related Revenue (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet	Set out in the following table are the fair values of financial instruments not carried at fair value in our Consolidated Balance Sheet. (Canadian $ in millions) 2024 2023 Carrying value Fair value Carrying value Fair value (6) Securities (1) Amortized cost $   115,188 $    106,461 $ 116,814 $ 104,171 Loans (1) (2) Residential mortgages 190,666 188,848   175,350   167,863 Consumer instalment and other personal 91,889 91,513 103,267 101,023 Credit cards 13,030 13,030 11,893 11,893 Business and government 369,776 370,101 358,712 357,027 665,361 663,492 649,222 637,806 Deposits (3) 928,332 928,689 875,034 871,776 Securitization and structured entities’ liabilities (4) 21,850 21,653 24,631 23,739 Other liabilities (5) 2,929 2,669 4,160 3,287 Subordinated debt 8,377 8,543 8,228 7,849 (1) Carrying value is net of ACL. (2) Excludes $163 million of residential mortgages classified as FVTPL, $12,431 million of business and government loans classified as FVTPL and $61 million of business and government loans classified as FVOCI ($1,676 million, $5,720 million and $58 million, respectively, as at October 31, 2023). (3) Excludes $45,222 million of structured note liabilities, $6,032 million of money market deposits, $1,047 million of embedded options related to carried at amortized cost (4) Excludes $18,314 million of securitization and structured entities’ liabilities classified as FVTPL ($2,463 million as at October 31, 2023). (5) Other liabilities include certain investment contract liabilities in our insurance business measured at amortized cost, as well as certain (6) If financial instruments not carried at fair value were categorized based on the fair value hierarchy, all of these financial instruments would be categorized as Level 2, except for amortized cost securities, which would have $106,389 million categorized as Level 2 ( $ ($nil
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 models without observable market information as inputs (Level 3) in the valuation of securities, loans classified as FVTPL and FVOCI, other assets (Canadian $ in millions) 2024 2023 Valued using Valued using Valued using Total Valued using Valued using Valued using Total Trading Securities Issued or guaranteed by: Canadian federal government $ 1,272 $ 8,764 $ – $ 10,036 $ 1,176 $ 10,194 $ – $ 11,370 Canadian provincial and municipal governments – 7,585 – 7,585 – 7,170 – 7,170 U.S. federal government 2,688 21,560 – 24,248 3,593 16,539 – 20,132 U.S. states, municipalities and agencies – 565 – 565 – 279 – 279 Other governments 92 3,757 – 3,849 20 2,520 – 2,540 NHA MBS, and U.S. agency MBS and CMO – 40,995 – 40,995 – 21,517 – 21,517 Corporate debt – 15,190 – 15,190 – 11,933 – 11,933 Trading loans – 475 – 475 – 450 – 450 Corporate equity 65,559 420 4 65,983    48,094 196 37 48,327 69,611 99,311           4 168,926 52,883   70,798         37    123,718 FVTPL Securities Issued or guaranteed by: Canadian federal government 166 237 – 403 4 212 – 216 Canadian provincial and municipal governments – 1,578 – 1,578 – 1,166 – 1,166 U.S. federal government – 1,527 – 1,527 2 2,086 – 2,088 Other governments – 25 – 25 – 48 – 48 NHA MBS, and U.S. agency MBS and CMO – 21 – 21 – 19 – 19 Corporate debt – 8,745 35 8,780 – 7,335 27 7,362 Corporate equity 921 910 4,899 6,730 821 805   4,208 5,834 1,087 13,043 4,934 19,064 827 11,671 4,235 16,733 FVOCI Securities Issued or guaranteed by: Canadian federal government 3,212 30,965 – 34,177 633 19,467 – 20,100 Canadian provincial and municipal governments – 5,996 – 5,996 – 5,055 – 5,055 U.S. federal government 25 16,940 – 16,965 – 5,880 – 5,880 U.S. states, municipalities and agencies – 5,068 – 5,068 – 5,301 – 5,301 Other governments – 5,656 – 5,656 – 6,969 – 6,969 NHA MBS, and U.S. agency MBS and CMO – 21,293 – 21,293 – 15,765 – 15,765 Corporate debt – 4,370 – 4,370 – 3,589 – 3,589 Corporate equity – – 177 177 – – 160 160 3,237 90,288 177 93,702 633 62,026 160 62,819 Loans Residential mortgages – 163 – 163 – 1,676 – 1,676 Business and government loans – 12,190 302 12,492 – 5,592 186 5,778 – 12,353 302 12,655 – 7,268 186 7,454 Other Assets (1) 11,236 – 1,717 12,953 6,020 33 1,723 7,776 Fair Value Liabilities (2) Deposits (3) – 54,108 – 54,108 – 35,845 – 35,845 Securities sold but not yet purchased 10,631 24,399 – 35,030 12,217 31,557 – 43,774 Other liabilities (4) 1,754 19,110 – 20,864 1,479 3,046 5 4,530 12,385 97,617 – 110,002 13,696 70,448 5 84,149 Derivative Assets Interest rate contracts 36 9,851 – 9,887 21 13,329 – 13,350 Foreign exchange contracts 4 21,258 10 21,272 28 19,861 – 19,889 Commodity contracts 169 1,656 2 1,827 668 1,349 5 2,022 Equity contracts 539 13,718 – 14,257 58 4,632 – 4,690 Credit default swaps – 10 – 10 – 25 – 25 748 46,493 12 47,253 775 39,196 5 39,976 Derivative Liabilities Interest rate contracts 32 10,811 – 10,843 52 17,749 – 17,801 Foreign exchange contracts – 19,955 – 19,955 1 19,204 – 19,205 Commodity contracts 96 1,721 4 1,821 589 1,067 1 1,657 Equity contracts 75 25,596 2 25,673 160 11,335 8 11,503 Credit default swaps – 10 1 11 – 25 2 27 $       203 $    58,093 $ 7 $   58,303 $ 802 $ 49,380 $ 11 $ 50,193 (1) Other assets include precious metals, segregated fund assets and investment properties in our insurance business, carbon credits, certain receivables and other items measured at fair value. (2) Interest expense for liabilities carried at fair value is $2,774 million for the year ended October 31, 2024 ($2,274 million for the year ended October 31, 2023). Interest expense for liabilities carried at amortized cost is $43,743 million for the year ended October 31, 2024 ($34,619 million for the year ended October 31, 2023). (3) Deposits include structured note liabilities , money market and metals deposits designated at FVTPL and certain embedded options related to structured deposits carried at amortized cost. (4) Other liabilities include certain investment contract liabilities and segregated fund liabilities in our insurance business, as well as certain securitization and structured entities’ liabilities measured at FVTPL.
Significant Unobservable Inputs in Level 3 Instrument Valuations	Quantitative Information about Level 3 Fair Value Mea surem The table below presents the fair values of our significant Level 3 financial instruments, the valuation techniques used to determine their fair values and the value ranges of significant unobservable inputs used in the valuations. (Canadian $ in millions except as noted) 2024 Reporting line in fair value hierarchy table Fair value of assets Valuation S unobservable inputs Range of input values (1) Changes in fair value from using reasonably possible alternatives (2) Low High Private equity Corporate equity $ 4,899 Net asset value Net asset value na na na EV/EBITDA Multiple 5 21 (18)/18 Investment properties Other assets 1,363 Income approach Capitalization rate 2% 8% (118)/151 2023 Private equity Corporate equity $   4,208 Net asset value Net asset value na na na EV/EBITDA Multiple 3 23 (13)/13 Investment properties Other assets 1,326 Income approach Capitalization rate 1% 9% (124)/174 (1) The low and high input values represent the lowest and highest actual level of inputs used to value a group of financial instruments in a particular product category. These value ranges do not reflect the level of input uncertainty but are affected by the specific underlying instruments within each product category. The value ranges will therefore vary from period to period based on the characteristics of the underlying instruments held at each balance sheet date. (2) Net asset values are provided by fund managers and therefore have no other reasonably possible alternative assumptions. Sensitivity of private equity investments is determined by adjusting the price multiples based on the range of multiples of comparable companies. Sensitivity of investment properties is determined by adjusting the capitalization rate. na – not applicable
Summary of Changes in Level 3 Instruments Carried At Fair Value	The tables below present a reconciliation of all changes in Level 3 financial instruments for the years ended October 31, 2024 and 2023 Change in fair value Movements Transfers For the year ended October 31, 2024 Balance Included in Included Purchases/ Sales Maturities Transfers Transfers Fair value as Change in recorded in income Trading Securities NHA MBS and U.S. agency MBS and CMO $ – $ – $ – $ 41 $ (41 ) $ – $ – $ – $ – $ – Corporate equity 37 – – 4 – – – (37 ) 4 – Total trading securities 37 – – 45 (41 ) – – (37 ) 4 – FVTPL Securities Corporate debt 27 (10 ) – 18 – – – – 35 (10 ) Corporate equity 4,208 (162 ) 11 1,068   (240 ) (1 ) 16 (1 ) 4,899 57 Total FVTPL securities 4,235 (172 ) 11 1,086 (240 ) (1 ) 16 (1 ) 4,934 47 FVOCI Securities Corporate equity 160 – 13 4 – – – – 177 na Total FVOCI securities 160 – 13 4 – – – – 177 na Business and Government Loans 186 – – 89 – (171 ) 198 – 302 – Other Assets 1,723 30 – 86 (21 ) (101 ) – – 1,717 47 Derivative Assets Foreign exchange contracts – – – 10 – – – – 10 – Commodity contracts 5 (3 ) – – – – – – 2 (3 ) Equity contracts – – – – – – 13 (13 ) – – Total derivative assets 5 (3 ) – 10 – – 13 (13 ) 12 (3 ) Other Liabilities 5 – – 8 – (13 ) – – – – Derivative Liabilities Foreign exchange contracts – – – – – – – – – – Commodity contracts 1 3 – – – – – – 4 3 Equity contracts 8 1 – – – – 2 (9 ) 2 1 Credit default swaps 2 (2 ) – – – – 1 – 1 (1 ) Total derivative liabilities 11 2 – – – – 3 (9 ) 7 3 Change in fair value Movements Transfers For the year ended October 31, 2023 Balance Included in Included Purchases/ Sales Maturities/ Transfers Level 3 Transfers Fair value as Change in Trading Securities NHA MBS and U.S. agency MBS and CMO $ – $ – $ – $ – $ – $       – $ – $       – $ – $ – Corporate equity – – – – – –      37 – 37 – Total trading securities – – – – – – 37 – 37 – FVTPL Securities Corporate debt 8 – – 19 – – – – 27 1 Corporate equity   4,044 (233 ) 45 2,784 (349 ) (1 ) 15 (2,097 )   4,208 (39 ) Total FVTPL securities 4,052 (233 )      45   2,803 (349 ) (1 ) 15 (2,097 ) 4,235 (38 ) FVOCI Securities Corporate equity 153 – 1 7 (1 ) – – – 160 na Total FVOCI securities 153 – 1 7 (1 ) (1 ) – – 160 na Business and Government Loans 20 – 4 259 – (97 ) – – 186 – Other Assets 1,233      40 – 461 – (11 ) – – 1,723 40 Derivative Assets Foreign exchange contracts 26 (17 ) – – – (9 ) – – – 9 Commodity contracts – (8 ) – 13 – – – – 5 (8 ) Equity contracts – 2 – – – – 1 (3 ) – 2 Total derivative assets 26 (23 ) – 13 – (9 ) 1 (3 ) 5 3 Other Liabilities 2 (1 ) – 11 (4 ) – – (3 ) 5 (1 ) Derivative Liabilities Foreign exchange contracts – 12 – – – (12 ) – – – (38 ) Commodity contracts – 1 – – – – – – 1 1 Equity contracts – – – – – – 8 – 8 – Credit default swaps 2 – – – – – – – 2 – Total derivative liabilities 2 13 – – – (12 ) 8 – 11 (37 ) (1) Foreign exchange translation on assets and liabilities held by foreign operations is included our Consolidated Statement of Comprehensive Income as part of net gains on translation of net foreign operations. (2) Changes in unrealized gains (losses) on trading and FVTPL securities still held on October 31, 2024 and 2023 are included in earnings for the year. (3) FVTPL securities include $969 million of Federal Home Loan Bank (FHLB) and Federal Reserve Bank equity and $587 million of investments in LIHTC entities, acquired as a result of our acquisition of Bank of the West in 2023 . Unrealized gains (losses) recognized on Level 3 financial instruments may be offset by (losses) gains on economic hedge contracts. Certain comparative figures have been reclassified for changes in accounting policy
Summaryof Trading Revenue	Net interest income arises from interest and dividends related to trading assets and liabilities, and is reported net of interest expense associated with funding these assets and liabilities in the following table: (Canadian $ in millions) 2024 2023 Interest rates $     1,003 $ 770 Foreign exchange 579 638 Equities 759 610 Commodities 150 192 Other (1) 55 (1,526 ) Total trading-related revenue $ 2,546 $    684 Reported as: Net interest income 169 900 Non-interest (1) 2,377 (216 ) Total trading-related revenue $ 2,546 $ 684 (1) Includes management of fair value changes on the purchase of Bank of the West in 2023. Refer to Note 10 for further information.

Offsetting of Financial Asset_2

Offsetting of Financial Assets and Financial Liabilities (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Amounts Offset and Not Offset in the Consolidated Balance Sheet	(Canadian $ in millions) 2024 Amounts not offset in the balance sheet Gross amounts Amounts offset in Net amounts balance sheet Impact of Securities Cash Net amount Financial Assets Securities borrowed or purchased under resale agreements $  135,282 $  24,375 $ 110,907 $  5,738 $  103,814 $    72 $    1,283 Derivative instruments 47,662 409 47,253 31,576 2,294 3,802 9,581 $ 182,944 $ 24,784 $ 158,160 $ 37,314 $ 106,108 $ 3,874 $ 10,864 Financial Liabilities Derivative instruments $ 58,712 $ 409 $ 58,303 $ 31,576 $ 10,866 $ 7,378 $ 8,483 Securities lent or sold under repurchase agreements 135,166 24,375 110,791 5,738 104,266 258 529 $ 193,878 $ 24,784 $ 169,094 $ 37,314 $ 115,132 $ 7,636 $ 9,012 2023 Financial Assets Securities borrowed or purchased under resale agreements $ 118,128 $ 2,466 $ 115,662 $ 11,386 $ 102,852 $ 25 $ 1,399 Derivative instruments 40,513 537 39,976 26,674 3,266 4,569 5,467 $ 158,641 $ 3,003 $ 155,638 $ 38,060 $ 106,118 $ 4,594 $ 6,866 Financial Liabilities Derivative instruments $ 50,730 $ 537 $ 50,193 $ 26,674 $ 7,837 $ 7,186 $ 8,496 Securities lent or sold under repurchase agreements 108,574 2,466 106,108 11,386 94,291 106 325 $   159,304 $        3,003 $     156,301 $    38,060 $       102,128 $      7,292 $    8,821 (1) Financial assets received/pledged as collateral are disclosed at fair value and limited to the net balance sheet exposure (i.e. any over-collateralization is excluded from the table). (2) Certain amounts of collateral are restricted from being sold or re pledged e (3) Not intended to represent our actual exposure to credit risk.

Capital Management (Tables)

Capital Management (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Regulatory Capital Measure and Risk-Weighted Assets	Regulatory Capital and Total Loss Absorbing Capacity Measures, Risk-Weighted Assets and Leverage Exposures (1) (Canadian $ in millions, except as noted) 2024 2023 CET1 Capital $        57,054 $        52,914 Tier 1 Capital 64,735 59,785 Total Capital 73,911 68,718 TLAC 123,288 114,402 Risk-Weighted Assets 420,838 424,197 Leverage Exposures 1,484,962 1,413,036 CET1 Ratio 13.6% 12.5% Tier 1 Capital Ratio 15.4% 14.1% Total Capital Ratio 17.6% 16.2% TLAC Ratio 29.3% 27.0% Leverage Ratio 4.4% 4.2% TLAC Leverage Ratio 8.3% 8.1% (1) Calculated in

Employee Compensation - Share_2

Employee Compensation - Share-Based Compensation (Tables)	12 Months Ended
	Oct. 31, 2024
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Summary of Information about our Stock Option Plan	The following table summarizes information about our Stock Option Plan: (Canadian $, except as noted) 2024 2023 Number of Weighted-average Number of Weighted-average Outstanding at beginning of year 6,312,576 $ 105.26 5,976,870 $ 98.12 Granted 1,113,853 118.50 1,322,817 122.31 Exercised (811,652 ) 82.74 (724,853 ) 76.12 Forfeited/expired/cancelled (60,285 ) 122.22 (262,258 ) 109.19 Outstanding at end of year 6,554,492 110.14 6,312,576 105.26 Exercisable at end of year 2,856,460 95.27 2,759,935 89.99 Available for grant 9,565,914  10,619,482
Summary of Options Outstanding and Exercisable by Range of Exercise Price	Options outstanding and exercisable at October 31, 2024 by range of exercise price were as follows: (Canadian $, except as noted) 2024 Options outstanding Options exercisable Range of exercise prices Number of Weighted- Weighted-average Number of Weighted-average $70.01 to $80.00 332,980 0.9 $ 77.42 332,980 $ 77.42 $80.01 to $90.00 563,982 4.1 89.90 563,982 89.90 $90.01 to $100.00 1,185,672 5.0 97.07 749,448 97.03 $100.01 to $120.00 2,281,462 6.7 109.43 1,195,574 101.19 $120.01 and over 2,190,396 7.7 128.14 14,476 135.58
Summary of Further Information about our Stock Option Plan	The following table summarizes additional information about our Stock Option Plan: (Canadian $ in millions, except as noted) 2024 2023 Unrecognized compensation cost for non-vested $ 12 $ 14 Cash proceeds from stock options exercised 67 55 Weighted-average share price for stock options exercised (in dollars)        120.40       123.01
Summary of Ranges of Values used for each Option Pricing Assumption	To determine the fair value of the stock option tranches on the grant date, the following ranges of values were used as inputs for each option pricing assumption: 2024 2023 Expected dividend yield 4.5%   4.5% – 4.6% Expected share price volatility   17.4 % 20.9% Risk-free rate of return 3.3 % 3.2% Expected period until exercise (in years) 6.5 – 7.0 6.5 – 7.0

Employee Compensation - Pensi_2

Employee Compensation - Pension and Other Employee Future Benefits (Tables)	12 Months Ended
	Oct. 31, 2024
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Summary of Plan Information for Past Two Years	A summary of plan information for the past two years is as follows: (Canadian $ in millions)      Pension benefit plans   Other employee future benefit plans 2024 2023 2024 2023 Defined benefit obligation $   8,365 $ 7,513 $        954 $ 880 Fair value of plan assets 9,431 8,559 245     138 Net surplus (deficit) 1,066 1,046 (709 ) (742 ) Effect of asset ceiling (3 )             – (110 ) – Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $ 1,046 $ (819 ) $ (742 ) Net surplus (deficit) comprises Funded or partially funded plans           1,223 1,209           44           81 Unfunded plans (160 ) (163 ) (863 ) (823 ) Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $   1,046 $ (819 ) $ (742 )
Summary of Pension and Other Employee Future Benefit Expenses	(Canadian $ in millions)      Pension benefit plans   Other employee future benefit plans         2024 2023 2024 2023 Annual benefits expense Current service cost $ 153 $     163 $ 5 $ 6 Net interest (income) expense (1) (61 ) (64 ) 40       42 Impact of plan amendments – (1 ) (84 ) (51 ) Administrative expenses 11 10 – – Remeasurement of other long-term benefits           – – 5            9 Benefits expense $ 103 $ 108 $ (34 ) $ 6 Government pension plans expense (2) 375 361 – – Defined contribution expense       290           271           – – Total annual pension and other employee future benefit expenses (recovery) $ 768 $ 740 $     (34 ) $ 6 (1) Net (income) is increased by million for other employee future benefit plans for 2024 ($nil million and $nil million, respectively, for 2023) as a result of assets written down through other comprehensive income due to the asset ceiling. (2) Includes Canada Pension Plan, Quebec Pension Plan and U.S. Federal Insurance Contribution Act
Summary of Weighted-average Assumptions Used to Determine Benefit Expenses	Weighted-Average Assumptions     Pension benefit plans    Other employee future benefit plans 2024 2023 2024 2023 Defined Benefit Expenses Discount rate at beginning of year (1) (2) 5.8% 5.5% 5.7% 5.5% Rate of compensation increase 2.1% 2.3%           na           na Assumed overall health care cost trend rate           na            na 4.8%   (4) 4.7% (3) Defined Benefit Obligation Discount rate at end of year 4.9% 5.8% 4.8% 5.7% Rate of compensation increase 2.1% 2.1% na na Assumed overall health care cost trend rate na na 4.8%   (3) 4.8% (4) (1) The pension benefit current service cost was calculated using a separate discount rate of 5.6% and 5.4% for 2024 and 2023, respectively. (2) The other employee future benefit plans current service cost was calculated using a separate discount rate of 5.7% and 5.5% for 2024 and 2023, respectively. (3) Trending to 4.00% in 2041 (4) Trending to 4.03% in 2040 na – not applicable
Summary of Current Life Expectancies Underlying the Amounts of the Defined Benefit Obligations	Assumptions regar din (Years)     Canada        United States 2024 2023 2024 2023 Life expectancy for those currently age 65 Males            24.0    23.9           22.0   21.9 Females 24.3           24.3 23.3           23.3 Life expectancy at age 65 for those currently age 45 Males 24.9 24.8 23.2 23.1 Females 25.2 25.2 24.5 24.5
Summary of Changes in Estimated Financial Positions of Defined Benefit Pension Plans and Other Employee Future Benefit Plans	Changes in the estimated financial positions of our defined benefit pension plans and other employee future (Canadian $ in millions, except as noted)      Pension benefit plans Other employee future benefit plans 2024 2023 2024 2023 Defined benefit obligation Defined benefit obligation at beginning of year $   7,513 $   7,082 $ 880 $ 928 Acquisition of defined benefit obligation (1) – 563 – 28 Settlements (2) (147 ) – – – Current service cost 153 163 5 6 Interest cost 418 393 49 50 Impact of plan amendments – (1 ) 15 (51 ) Benefits paid (481 ) (449 ) (59 ) (58 ) Employee contributions 20 20 6 6 Actuarial (gains) losses due to: Changes in demographic assumptions – – (12 ) (2 ) Changes in financial assumptions 851 (349 ) 81 (19 ) Plan member experience 31 46 (11 ) (10 ) Foreign exchange and other 7 45 – 2 Defined benefit obligation at end of year 8,365 7,513 954 880 Wholly or partially funded defined benefit obligation 8,205 7,350 91 57 Unfunded defined benefit obligation 160 163 863 823 Total defined benefit obligation 8,365 7,513 954 880 Fair value of plan assets Fair value of plan assets at beginning of year 8,559 8,261 138 147 Acquisition of plan assets (1) – 487 – – Settlements (2) (147 ) – – – Impact of plan amendments – – 100 – Interest income 479 457 12 8 Return on plan assets (excluding interest income) 979 (300 ) 1 (12 ) Employer contributions 25 50 45 45 Employee contributions 20 20 6 6 Benefits paid (481 ) (449 ) (59 ) (58 ) Administrative expenses (12 ) (10 ) – – Foreign exchange and other 9 43 2 2 Fair value of plan assets at end of year 9,431 8,559 245       138 Effect of asset ceiling (3 ) – (110 ) – Net surplus (deficit), net of the effect of the asset ceiling $ 1,063 $ 1,046 $ (819 ) $ (742 ) Recorded in: Other assets 1,252 1,225 44 81 Other liabilities (189 ) (179 ) (863 ) (823 ) Net surplus (deficit), net of the effect of the asset ceiling $   1,063 $     1,046 $ (819 ) $ (742 ) Actuarial gains (losses) recognized in other comprehensive income Net actuarial (losses) on plan assets 979 (300 ) 1 (12 ) Effect of asset ceiling (3 ) – (107 ) – Actuarial gains (losses) on defined benefit obligation due to: Changes in demographic assumptions – – 15 14 Changes in financial assumptions (851 ) 349 (74 ) 17 Plan member experience (31 ) (46 ) 6 9 Foreign exchange and other (3 ) (8 ) – – Actuarial gains (losses) recognized in other comprehensive income for the year $   91 $ (5 ) $   (159 ) $ 28 (1) Relates to the defined benefit plan included in our acquisition of Bank of the West in fiscal 2023. Refer to Note 10 for further information. (2) We completed a buyout of our UK pension plan in the fourth quarter of 2024 whereby we transferred our defined benefit obligations and an equal amount of plan assets to a third-party insurer, who has assumed the responsibility of administering payments to the plan members. We do not have any further involvement in the plan. There was no pre-tax impact from this transfer. Deferred tax assets and liabilities related to the pension plan were reduced to $nil.
Summary Of Asset Allocation Ranges, Weighted-Average Actual Asset Allocations And Fair Values Of Plan Assets	Our pension and other employee future benefit plan assets are measured at fair value on a recurring basis. The asset allocation ranges, weighted-average actual asset allocations and fair values of plan assets held by our primary plans as at October 31, 2024 and 2023 are as follows: (Canadian $ in millions) 2024 2023 Target % of total Quoted Unquoted Total Target range % of total Quoted Unquoted Total Equities 15   40 22% $ 1,060 $ 852 $ 1,912 15  –  40% 20% $ 925 $ 663 $ 1,588 Fixed income investments 40  –  55% 49% 96 4,467 4,563 40  –  60% 49% 168 3,855 4,023 Alternative strategies 10  –  35% 29% – 2,681 2,681 10  –  40% 31% – 2,537 2,537 100% $    1,156 $    8,000 $    9,156 100% $    1,093 $    7,055 $    8,148
Summary of Changes in Number of Key Assumption	(Canadian $ in millions, except as noted) Defined benefit obligation Pension benefit plans Other employee future benefit plans Discount rate (%) 4.9 4.8 Impact of: 1% increase ($) $      (839 ) $       (73 )        1% decrease ($) 1,037 86 Rate of compensation increase (%) 2.1 na Impact of: 0.25% increase ($) $        37   na        0.25% decrease ($) (36 ) na Mortality Impact of: 1 year shorter life expectancy ($) $       154   $        20        1 year longer life expectancy ($) (157 ) (20 ) Assumed overall health care cost trend rate (%) na 4.8   (1) Impact of: 1% increase ($) na $        29        1% decrease ($) na (29 ) (1) Trending to 4.00% in 2041 na – not applicable
Summary of Duration of Defined Benefit Obligation	The duration of the defined benefit obligation for our primary plans is as follows: (Years) 2024         2023 Canadian pension plans       13.0 12.1 U.S. pension plans        7.5 7.2 Canadian other employee future benefit plans 11.7      11.2
Summary of Cash Payments in Connection with Employee Future Benefit Plans	Cash Flows Cash payments we made during the year in connection with our employee future benefit plans are as follows: (Canadian $ in millions)                 Pension benefit plans    Other employee future benefit plans 2024 2023 2024 2023 Net contributions (refund) to defined benefit plans $ (25 ) $ 7 $     – $ – Contributions to defined contribution plans 290 271 – – Benefits paid directly to pensioners 50        43       45 45 $       315 $   321 $     45 $       45 Our best estimate of the contributions and benefits paid directly to pensioners we expect to make for the year ending October 31, 2025 is approximately $ million for our defined benefit pension plans and $ million for our other employee future benefit plans. Benefit payments from our defined benefit and other employee future benefit plans to retirees for the year ending October 31, 2025 are estimated to be $ million.

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Provision for Income Taxes	Provision for Income Taxes (Canadian $ in millions) 2024 2023 Consolidated Statement of Income Current Provision for income taxes for the current period $         2,055 $         2,220 Adjustments for prior periods – (2 ) Deferred Origination and reversal of temporary differences 150 (687 ) Effect of changes in tax rates 3 (21 ) 2,208 1,510 Other Comprehensive Income and Equity Income tax expense (recovery) related to: Unrealized gains (losses) on FVOCI debt securities 79 (35 ) Reclassification to earnings of (gains) on FVOCI debt securities (31 ) (11 ) Gains (losses) on derivatives designated as cash flow hedges 966 (576 ) Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges 536 366 Unrealized (losses) on hedges of net foreign operations (38 ) (90 ) Unrealized gains on FVOCI equity securities 3 – (Losses) on remeasurement of pension and other employee future benefit plans 1 24 (Losses) on remeasurement of own credit risk on financial liabilities designated at fair value (242 ) (103 ) Share-based compensation (4 ) 4 1,270 (421 ) Total provision for income taxes $ 3,478 $ 1,089 Certain comparative figures have been reclassified for changes in accounting policy (Note 1). Components of Total Provision for Income Taxes (Canadian $ in millions) 2024 2023 Canada: Current taxes      Federal $ 813 $ 509      Provincial 453 278 1,266 787 Canada: Deferred taxes      Federal 133 (475 )      Provincial 74 (261 ) 207 (736 ) Total Canadian 1,473 51 Foreign:  Current taxes 1,764 933      Deferred taxes 241 105 Total foreign 2,005 1,038 Total provision for income taxes $         3,478 $         1,089 Certain comparative figures have been reclassified for changes in accounting policy (Note 1).
Summary of Reconciliation of Effective Tax Rates	Reconciliation to Statutory Tax Rate Set out below is a reconciliation of our statutory tax rates and income taxes that would be payable at these rates to the effective tax rates and provision for income taxes that we have recorded in our Consolidated Statement of Income: (Canadian $ in millions, except as noted) 2024 2023 Combined Canadian federal and provincial income taxes at the statutory tax rate $ 2,651 27.8 % $ 1,654 27.8 % Increase (decrease) resulting from: Tax-exempt (45 ) (0.5 ) (265 ) (4.5 ) Foreign operations subject to different tax rates (365 ) (3.8 ) (233 ) (4.0 ) Change in tax rate for deferred taxes 3 – – – Income attributable to investments in associates and joint ventures (36 ) (0.3 ) (31 ) (0.5 ) Net impact of certain Canadian tax measures – – 371 6.3 Other –      –      14      0.3 Provision for income taxes in our Consolidated Statement of Income $    2,208 23.2 % $    1,510 25.4 % Certain comparative figures have been reclassified for changes in accounting policy (Note 1).
Summary of Components of Deferred Income Tax Balances	Components of Deferred Tax Balances (Canadian $ in millions) Deferred Tax Asset (Liability) Net asset, Benefit (expense) Benefit (expense) Translation Net asset, Allowance for credit losses $          893             $           449 $            – $           1 $        1,343 Employee future benefits 264 3 15 – 282 Deferred compensation benefits 783 (35 ) – 1 749 Other comprehensive income 522 – (298 ) – 224 Premises and equipment (343 ) (136 ) – (1 ) (480 ) Pension benefits (395 ) 73 (16 ) – (338 ) Goodwill and intangible assets (913 ) 107 – 1 (805 ) Securities 987 (119 ) – (1 ) 867 Other 1,606 (495 )  (1) 4 66 1,181 Net deferred tax assets (liabilities) $ 3,404 $ (153 ) $ (295 ) $ 67 $ 3,023 Comprising Deferred tax assets $ 3,420 $ 3,024 Deferred tax liabilities (16 ) (1 ) Net deferred tax assets (liabilities) $ 3,404 $ 3,023 (Canadian $ in millions) Deferred Tax Asset (Liability) Net asset, Bank of the West Benefit (expense) Benefit (expense) Translation Net asset, Allowance for credit losses $ 605 $ 96 $ 182 $ – $ 10 $ 893 Employee future benefits 256 – 21 (14 ) 1 264 Deferred compensation benefits 708 115 (50 ) – 10 783 Other comprehensive income 573 – – (51 ) – 522 Premises and equipment (511 ) (179 ) 359 – (12 ) (343 ) Pension benefits (370 ) 25 (41 ) (9 ) – (395 ) Goodwill and intangible assets (244 ) (767 ) 134 – (36 ) (913 ) Securities 142 1,086 (286 ) – 45 987 Other 281 897  (2) 389  (3) (3 ) 42 1,606 Net deferred tax assets (liabilities) $   1,440 $   1,273 $   708 $   (77 ) $   60 $   3,404 Comprising Deferred tax assets $ 1,542 $ 3,420 Deferred tax liabilities (102 ) (16 ) Net deferred tax assets (liabilities) $ 1,440 $ 3,404 (1) Includes the tax impact of the legal provision reversal recorded in relation to the lawsuit described in Note 25. (2) Includes the tax impact of deferred revenue and purchase accounting adjustments in connection with our acquisition of Bank of the West. (3) Includes the tax impact of interest rate swaps and securities we purchased to mitigate the impact of changes in interest rates in our acquisition of Bank of the West (refer to Note 10 for additional details) and the tax impact of leasing assets.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Basic and Diluted Earnings Per Share	The following table presents our basic and diluted earnings per share: Basic Earnings Per Common Share (Canadian $ in millions, except as noted) 2024 2023 Net income attributable to bank shareholders $ 7,318 $ 4,425 Dividends on preferred shares and distributions on other equity instruments (386 ) (331 ) Net income available to common shareholders $ 6,932 $ 4,094 Weighted-average number of common shares outstanding (in thousands) 727,738 709,364 Basic earnings per common share (Canadian $) $ 9.52 $ 5.77 Diluted Earnings Per Common Share (Canadian $ in millions, except as noted) 2024 2023 Net income available to common shareholders $ 6,932 $ 4,094 Weighted-average number of common shares outstanding (in thousands)     727,738     709,364 Effect of dilutive instruments Stock options potentially exercisable (1) 3,556 4,440 Common shares potentially repurchased (2,759 ) (3,289 ) Weighted-average number of diluted common shares outstanding (in thousands) 728,535 710,515 Diluted earnings per common share (Canadian $) $ 9.51 $ 5.76 (1) In computing diluted earnings per common share, we excluded average stock options outstanding of 3,220,995 with a weighted-average exercise price of $130.33 for the year ended October 31, 2024 (2,204,402 with a weighted-average exercise price of $135.69 for the year ended October 31, 2023), as the average share price in each of the two years did not exceed the exercise price.

Commitments, Guarantees, Pled_2

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Maximum Amounts Payable Under Various Commitments	The maximum amounts payable related to our various commitments are as follows: (Canadian $ in millions) 2024 2023 Financial Guarantees Standby letters of credit $ 30,523 $ 29,656 Credit default swaps (1) 16,211 10,010 Other Credit Instruments Backstop liquidity facilities 18,224 18,805 Documentary and commercial letters of credit 1,893 1,763 Commitments to extend credit (2) 230,689 218,094 Other commitments (3) 10,093 9,947 Total $     307,633 $     288,275 (1) The fair value of the related derivatives included in our Consolidated Balance Sheet was $8 million as at October 31, 2024 ($3 million as at October 31, 2023). (2) Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion. (3) Other commitments include $4,511 million as at October 31, 2024 ($5,611 million as at October 31, 2023) of underwriting commitments that are extended but not yet accepted by the borrower.
Summary of Pledged Assets and Collateral	The following tables summarize our pledged assets and collateral, and the activities to which they relate (Canadian $ in millions) 2024 2023 Bank Assets Cash and due from banks $ 80 $ 125 Securities (1)     139,553     114,407 Loans 71,419 94,442 Other assets 10,314 10,596 221,366 219,570 Third-party Assets (2) Collateral received and available for sale or re-pledging 195,071 191,148 Less: Collateral not sold or re-pledged (45,087 ) (46,331 ) 149,984 144,817 Total pledged assets and collateral $ 371,350 $ 364,387 (Canadian $ in millions) 2024 2023 Uses of pledged assets and collateral Clearing systems, payment systems and depositories $ 26,203 $ 18,096 Foreign governments and central banks 46 89 Obligations related to securities sold short 35,030 43,774 Obligations related to securities sold under repurchase agreements 97,878 92,549 Securities borrowing and lending (3) 99,405 87,136 Derivatives transactions 19,224 14,983 Securitization 23,739 27,058 Covered bonds 27,235 29,802 Other (4) 42,590 50,900 Total pledged assets and collateral $ 371,350 $ 364,387 (1) Includes NHA MBS of $5,492 million, which are included in loans in our Consolidated Balance Sheet ($4,481 million as at October 31, 2023). (2) Includes on-balance off-balance (3) Includes off-balance (4) Includes $21,235 million of assets that have been pledged supporting FHLB activity ($41,510 million as at October 31, 2023).
Summary of Changes In Provision Balance	Changes in the provision balance during the year were as follows: (Canadian $ in millions) 2024 2023 Restructuring and Legal Total Restructuring and Legal Total Balance at beginning of year $        335 $         1,243 $        1,578 $ 109 $ 1,168 $ 1,277 Additional provisions/increase in provisions 101 67 168 388 188 576 Provisions utilized (210 ) (19 ) (229 )        (142 ) (116 ) (258 ) Amounts reversed (59 ) (1,196 ) (1,255 ) (27 ) (11 ) (38 ) Foreign exchange and other (3 ) – (3 ) 7 14 21 Balance at end of year $ 164 $ 95 $ 259 $ 335 $       1,243 $       1,578

Operating and Geographic Segm_2

Operating and Geographic Segmentation (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Schedule of Operating Segments	Our results and average assets, grouped by operating segment, are as follows: (Canadian $ in millions) Canadian P&C U.S. P&C BMO WM BMO CM Corporate 2024 Total Net interest income (2) $ 8,852 $ 8,162 $ 1,313 $ 1,731 $ (590 ) $ 19,468 Non-interest 2,587 1,602 4,333 4,785 20 13,327 Total Revenue 11,439 9,764 5,646 6,516 (570 ) 32,795 Provision for credit losses on impaired loans 1,326 1,274 26 367 73 3,066 Provision for (recovery of) credit losses on performing loans 333 389 5 2 (34 ) 695 Total provision for credit losses 1,659 1,663 31 369 39 3,761 Depreciation and amortization 590 957 264 299 – 2,110 Non-interest 4,415 4,941 3,704 3,979 350 17,389 Income (loss) before taxes and non-controlling 4,775 2,203 1,647 1,869 (959 ) 9,535 Provision for (recovery of) income taxes 1,318 374 399 377 (260 ) 2,208 Reported net income (loss) $ 3,457 $ 1,829 $ 1,248 $ 1,492 $ (699 ) $ 7,327 Non-controlling $ – $ 2 $ – $ – $ 7 $ 9 Net income (loss) attributable to bank shareholders $ 3,457 $ 1,827 $ 1,248 $ 1,492 $ (706 ) $ 7,318 Average assets (3) $ 327,883 $ 236,341 $ 64,674 $ 468,963 $ 271,554 $ 1,369,415 Canadian P&C U.S. P&C BMO WM BMO CM Corporate 2023 Total Net interest income (2) $ 8,043 $ 7,607 $ 1,380 $ 2,490 $ (839 ) $ 18,681 Non-interest 2,516 1,573 4,031 3,902 (1,444 ) 10,578 Total Revenue 10,559 9,180 5,411 6,392 (2,283 ) 29,259 Provision for credit losses on impaired loans 724 364 5 9 78 1,180 Provision for credit losses on performing loans 185 142 13 9 649 998 Total provision for credit losses 909 506 18 18 727 2,178 Depreciation and amortization 573 891 288 340 – 2,092 Non-interest 4,150 4,553 3,590 3,938 2,811 19,042 Income (loss) before taxes and non-controlling 4,927 3,230 1,515 2,096 (5,821 ) 5,947 Provision for (recovery of) income taxes 1,354 741 369 471 (1,425 ) 1,510 Reported net income (loss) $ 3,573 $ 2,489 $ 1,146 $ 1,625 $ (4,396 ) $ 4,437 Non-controlling $ – $ 6 $ – $ – $ 6 $ 12 Net income (loss) attributable to bank shareholders $ 3,573 $ 2,483 $ 1,146 $ 1,625   $ (4,402 ) $ 4,425 Average assets (3) $    310,323 $    211,864 $     60,092 $    466,030 $     251,215 $  1,299,524 (1) Corporate Services includes T&O. (2) Operating groups report on a teb – see Basis of Presentation section. (3) Included within average assets are average earning assets, which comprise 2024
Summary of Bank's Financial Results by Geographic Region	Our results and average assets, grouped by geographic region, are as follows: (Canadian $ in millions) 2024 Canada United States Other countries Total Total Revenue $ 16,107 $ 14,465 $ 2,223 $ 32,795 Income before taxes 4,434 3,547 1,554 9,535 Reported net income 3,199 2,865 1,263 7,327 Average Assets 692,750 613,098 63,567 1,369,415 2023 Total Revenue $ 15,087 $ 11,836 $ 2,336   $ 29,259 Income (loss) before taxes 4,635 (176 ) 1,488 5,947 Reported net income 3,194 29 1,214 4,437 Average Assets    665,025    572,434      62,065  1,299,524

Significant Subsidiaries (Table

Significant Subsidiaries (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Significant Operating Subsidiaries	As at October 31, 2024, the bank, either directly or indirectly through its subsidiaries, controls the following significant operating subsidiaries. Significant subsidiaries (1) (2) Head or principal office Book value of shares owned by the bank (Canadian $ in millions) AIR MILES Loyalty Inc. Toronto, Canada $ 157 Bank of Montreal (China) Co. Ltd. Beijing, China 501 B ank of Montreal Europe Public Limited Company Dublin, Ireland 1,319 Bank of Montreal Holding Inc. and subsidiaries, including: Toronto, Canada                   35,530 Bank of Montreal Mortgage Corporation Calgary, Canada BMO Mortgage Corp. Vancouver, Canada BMO Investments Inc. Toronto, Canada BMO Investments Limited Hamilton, Bermuda BMO Reinsurance Limited St. Michael, Barbados BMO InvestorLine Inc. Toronto, Canada BMO Nesbitt Burns Inc. Toronto, Canada BMO Private Equity (Canada) Inc. Toronto, Canada BMO Capital Markets Limited London, England 361 BMO Capital Partners Inc. Toronto, Canada 936 BMO Financial Corp. and subsidiaries, including: Chicago, United States 54,698 BMO Bank National Association Chicago, United States BMO Capital Markets Corp. New York, United States BMO Japan Securities Ltd. Tokyo, Japan 6 BMO Life Insurance Company and subsidiaries, including: Toronto, Canada 1,246 BMO Life Holdings (Canada), ULC Halifax, Canada BMO Life Assurance Company Toronto, Canada BMO Trust Company Toronto, Canada 543 (1) Each subsidiary is incorporated or organized under the laws of the state or country in which the principal office is situated, except for BMO Financial Corp. and BMO Capital Markets Corp., which are incorporated under the laws of the state of Delaware, United States. (2) Unless otherwise noted, the bank, either directly or indirectly through its subsidiaries, owns 100% of the outstanding voting shares of each subsidiary.

Related Party Transactions (Tab

Related Party Transactions (Tables)	12 Months Ended
	Oct. 31, 2024
Text Block [Abstract]
Summary of Compensation of Key Management Personnel	The following table presents the compensation of our key management personnel: (Canadian $ in millions) 2024 2023 Base salary and incentives $             20 $            22 Post-employment benefits 2 2 Share-based payments (1) 37 49 Total key management personnel compensation $ 59 $ 73 (1) Amounts included in share-based payments are the fair values of awards granted in the year.
Summary of Carrying amount in Joint Venture and Associated Companies	The following table presents the carrying amount of our interests in joint ventures and associates accounted for under the equity method, as well as our share of the income of those entities: (Canadian $ in millions) Joint ventures Associates 2024 2023 2024 2023 Carrying amount $       907 $       679 $       820 $       782 Share of net income 93 61 114 124
Summary of Transaction With Joint Ventures and Associates	The following table presents transactions with our joint ventures and associates: (Canadian $ in millions) 2024 2023 Loans (1) (2)                         $      1,864 $     1,525 Deposits 241 265 Fees paid for services received 66 58 Guarantees and commitments 210 98 (1) Includes customers’ liability under acceptances. (2) We had no ACL on impaired loans related to these amounts as at October 31, 2024 and 2023.

IFRS 7 Disclosure - Credit and

IFRS 7 Disclosure - Credit and Counterparty Risk - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of credit risk exposure [line items]
Credit assets exposure value	$ 353,309	$ 344,912
Credit risk [member] | Residential real estate loan [member]
Disclosure of credit risk exposure [line items]
Loan to value ratio	80%

IFRS 7 Disclosure - Credit an_2

IFRS 7 Disclosure - Credit and Counterparty Risk - Schedule of Total Credit Risk Exposures (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of credit risk exposure [line items]
Total exposure at default	$ 1,152,424	$ 1,123,359
Individual sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	353,309	344,912
Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	178,414	156,741
Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	240,688	237,984
Manufacturing sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	51,861	51,827
Real estate sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	76,928	74,772
Retail trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	35,654	33,016
Service industries sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	72,445	74,008
Wholesale trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	30,018	28,393
Oil and gas sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	7,423	8,456
Utilities sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	25,615	26,265
Other sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	80,069	86,985
Drawn [Member]
Disclosure of credit risk exposure [line items]
Total exposure at default	898,000	873,084
Drawn [Member] | Individual sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	287,741	281,087
Drawn [Member] | Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	105,378	95,366
Drawn [Member] | Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	230,353	219,795
Drawn [Member] | Manufacturing sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	33,561	33,046
Drawn [Member] | Real estate sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	66,650	61,734
Drawn [Member] | Retail trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	30,595	27,825
Drawn [Member] | Service industries sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	54,433	56,588
Drawn [Member] | Wholesale trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	21,868	19,997
Drawn [Member] | Oil and gas sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	3,180	3,335
Drawn [Member] | Utilities sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	10,068	11,101
Drawn [Member] | Other sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	54,173	63,210
Undrawn commitments [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	170,128	168,534
Undrawn commitments [member] | Individual sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	65,568	63,812
Undrawn commitments [member] | Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	20,484	18,690
Undrawn commitments [member] | Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	3,024	2,551
Undrawn commitments [member] | Manufacturing sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	15,555	16,059
Undrawn commitments [member] | Real estate sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	8,632	11,843
Undrawn commitments [member] | Retail trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	4,262	4,621
Undrawn commitments [member] | Service industries sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	13,830	13,552
Undrawn commitments [member] | Wholesale trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	7,212	7,618
Undrawn commitments [member] | Oil and gas sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	3,010	2,889
Undrawn commitments [member] | Utilities sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	9,304	8,767
Undrawn commitments [member] | Other sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	19,247	18,132
Other off balance sheet items [Member]
Disclosure of credit risk exposure [line items]
Total exposure at default	25,409	25,243
Other off balance sheet items [Member] | Individual sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default		13
Other off balance sheet items [Member] | Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	7,447	7,201
Other off balance sheet items [Member] | Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	1,760	1,575
Other off balance sheet items [Member] | Manufacturing sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	1,696	1,915
Other off balance sheet items [Member] | Real estate sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	1,234	971
Other off balance sheet items [Member] | Retail trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	645	441
Other off balance sheet items [Member] | Service industries sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	3,192	3,172
Other off balance sheet items [Member] | Wholesale trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	670	611
Other off balance sheet items [Member] | Oil and gas sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	623	788
Other off balance sheet items [Member] | Utilities sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	3,799	4,547
Other off balance sheet items [Member] | Other sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	4,343	4,009
Over the counter derivatives [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	40,105	34,451
Over the counter derivatives [member] | Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	27,393	19,307
Over the counter derivatives [member] | Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	4,481	8,193
Over the counter derivatives [member] | Manufacturing sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	1,049	807
Over the counter derivatives [member] | Real estate sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	412	224
Over the counter derivatives [member] | Retail trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	152	129
Over the counter derivatives [member] | Service industries sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	990	696
Over the counter derivatives [member] | Wholesale trade sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	268	167
Over the counter derivatives [member] | Oil and gas sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	610	1,444
Over the counter derivatives [member] | Utilities sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	2,444	1,850
Over the counter derivatives [member] | Other sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	2,306	1,634
Repo style transactions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	18,782	22,047
Repo style transactions [member] | Financial institutions [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	17,712	16,177
Repo style transactions [member] | Government sector [member]
Disclosure of credit risk exposure [line items]
Total exposure at default	$ 1,070	$ 5,870

IFRS 7 Disclosure - Credit an_3

IFRS 7 Disclosure - Credit and Counterparty Risk - Schedule of Total Credit Risk Exposures (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Repo style transactions [member]
Disclosure of credit risk exposure [line items]
Credit exposure	$ 270,482	$ 228,691
Derivative and Repo Style Transactions [member]
Disclosure of credit risk exposure [line items]
Credit exposure exclusions at default based on Basel III classifications	$ 7,086	$ 9,025
Other sector [member]
Disclosure of credit risk exposure [line items]
Credit exposure ratio	2%	2%

IFRS 7 Disclosure - Market Risk

IFRS 7 Disclosure - Market Risk - Additional Information (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)
Market risk [member] | Value at risk [member]
Market Risk [Line Items]
Percentage of trading and underwriting portfolios	99%
Value at risk holding period	1 day
Exceptions To Trading Book Market Capitalized As Per Standardised Approach [Member]
Market Risk [Line Items]
Fair value of financial assets liabilities subject to exception designated as trading but used to hedge banking book market tests	$ 1,459
Fair value of financial assets liabilities subject to exception designated as trading but used to hedge banking book market tests, gross	$ 11,571

IFRS 7 Disclosure - Market Ri_2

IFRS 7 Disclosure - Market Risk - Summary Total Trading Value at Risk (VaR) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Commodity price risk [member]
Market Risk [Line Items]
Market risk VaR	$ 2.1	$ 4
Equity price risk [member]
Market Risk [Line Items]
Market risk VaR	24	13.6
Foreign exchange risk [member]
Market Risk [Line Items]
Market risk VaR	1	1.7
Interest rate risk [member]
Market Risk [Line Items]
Market risk VaR	23	38.3
Risk diversification effect [member]
Market Risk [Line Items]
Market risk VaR	(17.6)	(25)
Market risk [member]
Market Risk [Line Items]
Market risk VaR	32.5	32.6
Average [Member] | Commodity price risk [member]
Market Risk [Line Items]
Market risk VaR	3.8	2.4
Average [Member] | Equity price risk [member]
Market Risk [Line Items]
Market risk VaR	16.1	14
Average [Member] | Foreign exchange risk [member]
Market Risk [Line Items]
Market risk VaR	1.2	2.9
Average [Member] | Interest rate risk [member]
Market Risk [Line Items]
Market risk VaR	30.8	38.2
Average [Member] | Risk diversification effect [member]
Market Risk [Line Items]
Market risk VaR	(19.7)	(25.4)
Average [Member] | Market risk [member]
Market Risk [Line Items]
Market risk VaR	32.2	32.1
Top of range [member] | Commodity price risk [member]
Market Risk [Line Items]
Market risk VaR	5.4	6.1
Top of range [member] | Equity price risk [member]
Market Risk [Line Items]
Market risk VaR	24	24.5
Top of range [member] | Foreign exchange risk [member]
Market Risk [Line Items]
Market risk VaR	2.9	5.6
Top of range [member] | Interest rate risk [member]
Market Risk [Line Items]
Market risk VaR	44.7	54.8
Top of range [member] | Market risk [member]
Market Risk [Line Items]
Market risk VaR	45.5	47.9
Bottom of range [member] | Commodity price risk [member]
Market Risk [Line Items]
Market risk VaR	2	1.2
Bottom of range [member] | Equity price risk [member]
Market Risk [Line Items]
Market risk VaR	8.1	8.5
Bottom of range [member] | Foreign exchange risk [member]
Market Risk [Line Items]
Market risk VaR	0.4	1.3
Bottom of range [member] | Interest rate risk [member]
Market Risk [Line Items]
Market risk VaR	22.1	26
Bottom of range [member] | Market risk [member]
Market Risk [Line Items]
Market risk VaR	$ 23.1	$ 21.2

IFRS 7 Disclosure - Market Ri_3

IFRS 7 Disclosure - Market Risk - Structural Balance Sheet Interest Rate Sensitivity (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Hundred basis point increase [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	$ (1,483)	$ (1,849)
Pre tax earnings sensitivity over the next twelve month	367	304
Hundred basis point increase [member] | Canada [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	(693)
Pre tax earnings sensitivity over the next twelve month	139
Hundred basis point increase [member] | United States [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	(790)
Pre tax earnings sensitivity over the next twelve month	228
Hundred basis point decrease [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	660	1,492
Pre tax earnings sensitivity over the next twelve month	(210)	$ (325)
Hundred basis point decrease [member] | Canada [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	597
Pre tax earnings sensitivity over the next twelve month	(101)
Hundred basis point decrease [member] | United States [member]
Market Risk [Line Items]
Pre tax economic value sensitivity	63
Pre tax earnings sensitivity over the next twelve month	$ (109)

Contractual Maturities of Asset

Contractual Maturities of Assets and Liabilities and Off-Balance Sheet Commitments - Summary of Remaining Contractual Maturity (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023	Nov. 01, 2022	Oct. 31, 2022
Assets
Cash and cash equivalents	$ 65,098	$ 77,934		$ 87,466
Interest bearing deposits with banks	3,640	4,109
Securities	396,880	320,084
Securities borrowed or purchased under resale agreements	110,907	115,662
Loans
Residential mortgages	191,080	177,250
Consumer instalment and other personal	92,687	104,042
Credit cards	13,612	12,294
Business and government	384,993	366,886
Allowance for credit losses	(4,356)	(3,807)
Loans,net	678,016	656,665
Other Assets
Derivative instruments	47,253	39,976
Customers' liability under acceptances	359	8,111
Receivable from brokers, dealers and clients	31,916	53,002
Other	75,578	71,463
Other assets	155,106	172,552	$ 4,957
Total Assets	1,409,647	1,347,006
Deposits
Deposits	982,440	910,879
Other liabilities
Derivative instruments	58,303	50,193
Acceptances	359	8,111
Securities sold but not yet purchased	35,030	43,774
Securities lent or sold under repurchase agreements	110,791	106,108
Securitization and structured entities' liabilities	40,164	27,094
Insurance-related liabilities	18,770	14,458
Payable to brokers, dealers and clients	34,407	53,754
Other	36,720	48,284
Total other liabilities	334,544	351,776	$ 13,484
Subordinated debt	8,377	8,228
Total Equity	84,286	76,123
Total Liabilities and Equity	1,409,647	1,347,006
Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	236,271	222,430
Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	32,416	31,419
Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	18,224	18,805
Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	1,459	1,620
0 -1 month [member]
Assets
Cash and cash equivalents	62,827	75,473
Interest bearing deposits with banks	2,513	2,775
Securities	6,787	4,115
Securities borrowed or purchased under resale agreements	85,185	93,707
Loans
Residential mortgages	1,683	1,121
Consumer instalment and other personal	581	285
Credit cards	0	0
Business and government	8,647	19,671
Allowance for credit losses	0	0
Loans,net	10,911	21,077
Other Assets
Derivative instruments	5,573	2,797
Customers' liability under acceptances	359	4,682
Receivable from brokers, dealers and clients	31,916	53,002
Other	3,847	3,580
Other assets	41,695	64,061
Total Assets	209,918	261,208
Deposits
Deposits	47,637	48,986
Other liabilities
Derivative instruments	6,769	3,103
Acceptances	359	4,682
Securities sold but not yet purchased	35,030	43,774
Securities lent or sold under repurchase agreements	99,364	99,006
Securitization and structured entities' liabilities	44	97
Insurance-related liabilities	93	81
Payable to brokers, dealers and clients	34,407	53,754
Other	12,409	13,185
Total other liabilities	188,475	217,682
Subordinated debt	0	0
Total Equity	0	0
Total Liabilities and Equity	236,112	266,668
0 -1 month [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	3,720	2,216
0 -1 month [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	2,109	1,641
0 -1 month [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	283	212
0 -1 month [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	30	46
1 - 3 Months [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	628	680
Securities	14,011	8,556
Securities borrowed or purchased under resale agreements	16,803	12,311
Loans
Residential mortgages	3,284	2,188
Consumer instalment and other personal	974	621
Credit cards	0	0
Business and government	14,418	10,920
Allowance for credit losses	0	0
Loans,net	18,676	13,729
Other Assets
Derivative instruments	7,996	4,539
Customers' liability under acceptances	0	3,423
Receivable from brokers, dealers and clients	0	0
Other	1,012	814
Other assets	9,008	8,776
Total Assets	59,126	44,052
Deposits
Deposits	74,759	63,728
Other liabilities
Derivative instruments	10,541	8,450
Acceptances	0	3,423
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	7,777	4,751
Securitization and structured entities' liabilities	981	717
Insurance-related liabilities	89	86
Payable to brokers, dealers and clients	0	0
Other	2,968	2,188
Total other liabilities	22,356	19,615
Subordinated debt	0	0
Total Equity	0	0
Total Liabilities and Equity	97,115	83,343
1 - 3 Months [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	5,220	4,874
1 - 3 Months [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	5,235	5,088
1 - 3 Months [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	213	241
1 - 3 Months [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	78	91
3-6 month [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	481	383
Securities	7,840	7,225
Securities borrowed or purchased under resale agreements	5,701	6,903
Loans
Residential mortgages	6,413	3,403
Consumer instalment and other personal	1,703	1,028
Credit cards	0	0
Business and government	16,461	12,550
Allowance for credit losses	0	0
Loans,net	24,577	16,981
Other Assets
Derivative instruments	7,211	2,670
Customers' liability under acceptances	0	6
Receivable from brokers, dealers and clients	0	0
Other	948	336
Other assets	8,159	3,012
Total Assets	46,758	34,504
Deposits
Deposits	69,479	64,939
Other liabilities
Derivative instruments	10,828	3,033
Acceptances	0	6
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	721	476
Securitization and structured entities' liabilities	1,072	1,199
Insurance-related liabilities	18	15
Payable to brokers, dealers and clients	0	0
Other	805	101
Total other liabilities	13,444	4,830
Subordinated debt	0	0
Total Equity	0	0
Total Liabilities and Equity	82,923	69,769
3-6 month [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	10,229	9,377
3-6 month [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	6,113	5,739
3-6 month [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	213	666
3-6 month [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	94	106
6-9 month [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	18	153
Securities	6,707	5,585
Securities borrowed or purchased under resale agreements	2,330	2,491
Loans
Residential mortgages	6,653	4,246
Consumer instalment and other personal	1,827	1,343
Credit cards	0	0
Business and government	19,448	16,370
Allowance for credit losses	0	0
Loans,net	27,928	21,959
Other Assets
Derivative instruments	2,482	2,827
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	31	42
Other assets	2,513	2,869
Total Assets	39,496	33,057
Deposits
Deposits	68,110	60,911
Other liabilities
Derivative instruments	3,311	2,278
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	106	539
Securitization and structured entities' liabilities	2,183	2,195
Insurance-related liabilities	18	15
Payable to brokers, dealers and clients	0	0
Other	144	95
Total other liabilities	5,762	5,122
Subordinated debt	0	0
Total Equity	0	0
Total Liabilities and Equity	73,872	66,033
6-9 month [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	16,052	14,499
6-9 month [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	6,761	5,397
6-9 month [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	3,408	2,207
6-9 month [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	87	101
9-12 month [Member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	0	118
Securities	9,720	6,602
Securities borrowed or purchased under resale agreements	888	0
Loans
Residential mortgages	9,252	4,761
Consumer instalment and other personal	2,671	1,542
Credit cards	0	0
Business and government	21,828	16,953
Allowance for credit losses	0	0
Loans,net	33,751	23,256
Other Assets
Derivative instruments	1,660	1,555
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	14	4
Other assets	1,674	1,559
Total Assets	46,033	31,535
Deposits
Deposits	48,835	52,040
Other liabilities
Derivative instruments	2,160	2,014
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	1,016	0
Securitization and structured entities' liabilities	152	592
Insurance-related liabilities	30	39
Payable to brokers, dealers and clients	0	0
Other	1,611	69
Total other liabilities	4,969	2,714
Subordinated debt	0	0
Total Equity	0	0
Total Liabilities and Equity	53,804	54,754
9-12 month [Member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	16,284	14,190
9-12 month [Member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	6,163	6,065
9-12 month [Member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	1,132	2,039
9-12 month [Member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	187	155
1-2 years [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	0	0
Securities	21,264	29,930
Securities borrowed or purchased under resale agreements	0	250
Loans
Residential mortgages	52,489	27,229
Consumer instalment and other personal	14,815	8,094
Credit cards	0	0
Business and government	63,613	49,366
Allowance for credit losses	0	0
Loans,net	130,917	84,689
Other Assets
Derivative instruments	6,365	7,804
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	13	10
Other assets	6,378	7,814
Total Assets	158,559	122,683
Deposits
Deposits	51,789	47,624
Other liabilities
Derivative instruments	6,470	7,694
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	1,807	1,336
Securitization and structured entities' liabilities	4,353	4,896
Insurance-related liabilities	83	77
Payable to brokers, dealers and clients	0	0
Other	2,492	14,032
Total other liabilities	15,205	28,035
Subordinated debt	25	0
Total Equity	0	0
Total Liabilities and Equity	67,019	75,659
1-2 years [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	47,054	41,713
1-2 years [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	2,310	3,663
1-2 years [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	3,047	3,951
1-2 years [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	399	354
2-5 years [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	0	0
Securities	84,775	64,250
Securities borrowed or purchased under resale agreements	0	0
Loans
Residential mortgages	77,867	107,347
Consumer instalment and other personal	24,595	35,467
Credit cards	0	0
Business and government	105,740	114,289
Allowance for credit losses	0	0
Loans,net	208,202	257,103
Other Assets
Derivative instruments	8,374	9,325
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	13	19
Other assets	8,387	9,344
Total Assets	301,364	330,697
Deposits
Deposits	87,297	80,829
Other liabilities
Derivative instruments	9,112	11,748
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	0	0
Securitization and structured entities' liabilities	9,913	9,870
Insurance-related liabilities	195	163
Payable to brokers, dealers and clients	0	0
Other	4,058	2,601
Total other liabilities	23,278	24,382
Subordinated debt	25	25
Total Equity	0	0
Total Liabilities and Equity	110,600	105,236
2-5 years [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	130,664	129,634
2-5 years [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	3,689	3,778
2-5 years [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	9,110	8,643
2-5 years [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	486	626
Over 5 years [member]
Assets
Cash and cash equivalents	0	0
Interest bearing deposits with banks	0	0
Securities	172,886	139,501
Securities borrowed or purchased under resale agreements	0	0
Loans
Residential mortgages	33,227	26,689
Consumer instalment and other personal	18,830	29,992
Credit cards	0	0
Business and government	32,444	27,880
Allowance for credit losses	0	0
Loans,net	84,501	84,561
Other Assets
Derivative instruments	7,592	8,459
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	7,717	7,629
Other assets	15,309	16,088
Total Assets	272,696	240,150
Deposits
Deposits	25,602	18,624
Other liabilities
Derivative instruments	9,112	11,873
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	0	0
Securitization and structured entities' liabilities	21,466	7,528
Insurance-related liabilities	701	546
Payable to brokers, dealers and clients	0	0
Other	2,799	5,614
Total other liabilities	34,078	25,561
Subordinated debt	8,327	8,203
Total Equity	0	0
Total Liabilities and Equity	68,007	52,388
Over 5 years [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	7,048	5,927
Over 5 years [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	36	48
Over 5 years [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	818	846
Over 5 years [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	98	141
No maturity [member]
Assets
Cash and cash equivalents	2,271	2,461
Interest bearing deposits with banks	0	0
Securities	72,890	54,320
Securities borrowed or purchased under resale agreements	0	0
Loans
Residential mortgages	212	266
Consumer instalment and other personal	26,691	25,670
Credit cards	13,612	12,294
Business and government	102,394	98,887
Allowance for credit losses	(4,356)	(3,807)
Loans,net	138,553	133,310
Other Assets
Derivative instruments	0	0
Customers' liability under acceptances	0	0
Receivable from brokers, dealers and clients	0	0
Other	61,983	59,029
Other assets	61,983	59,029
Total Assets	275,697	249,120
Deposits
Deposits	508,932	473,198
Other liabilities
Derivative instruments	0	0
Acceptances	0	0
Securities sold but not yet purchased	0	0
Securities lent or sold under repurchase agreements	0	0
Securitization and structured entities' liabilities	0	0
Insurance-related liabilities	17,543	13,436
Payable to brokers, dealers and clients	0	0
Other	9,434	10,399
Total other liabilities	26,977	23,835
Subordinated debt	0	0
Total Equity	84,286	76,123
Total Liabilities and Equity	620,195	573,156
No maturity [member] | Commitments to extend credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	0	0
No maturity [member] | Letter of credit [Member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	0	0
No maturity [member] | Backstop liquidity facilities [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	0	0
No maturity [member] | Other commitments [member]
Off-Balance Sheet Commitments
Off-Balance Sheet Commitments	$ 0	$ 0

Contractual Maturities of Ass_2

Contractual Maturities of Assets and Liabilities and Off-Balance Sheet Commitments - Summary of Remaining Contractual Maturity (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of assets and liabilities according to their remaining contractual maturities [Abstract]
Deposits eligible for early redemption without penalty	$ 29,136	$ 30,852

Basis of Presentation - Summary

Basis of Presentation - Summary of Quantitative Information for Financial Instruments (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure Detail Of Quantitative Information for Financial Instruments [Line Items]
Derivative notional amounts		$ 25,192,367	$ 13,355,846
Interbank Offer Rate Reform [Member]
Disclosure Detail Of Quantitative Information for Financial Instruments [Line Items]
Non-derivative assets	[1]		44,370
Non-derivative liabilities	[1]		4,584
Derivative notional amounts	[2],[3]		1,779,140
Authorized and committed loan commitments	[4],[5],[6]		$ 55,548
[1]All amounts presented based on contractual amounts outstanding at October 31, 2023, with the exception of securities, recorded in non-derivative assets, presented based on carrying value.[2]Includes certain cross-currency swap positions where both the pay and receive legs referenced a CDOR or BA rate. For those derivatives, the table above includes the notional amounts for both the pay and receive legs in the relevant columns aligning with the CDOR or BA rate exposure.[3]Notional amounts represent the amount to which a rate or price is applied in order to calculate the amount of cash that must be exchanged under the contract. Notional amounts do not represent assets or liabilities and therefore are not recorded in our Consolidated Balance Sheet.[4]Commitments include backstop liquidity facilities provided by the bank to external parties.[5]Excludes personal lines of credit and credit cards that are unconditionally cancellable at our discretion. A large majority of these commitments expire without being drawn upon. As a result, the total contractual amounts may not be representative of the funding likely to be required for these commitments.[6]Includes loan commitments where our customers have the option to draw from their facility in multiple currencies. Amounts drawn will be subject to prevailing IBORs for the foreign currency, including those that are in scope of IBOR reform.

Basis of Presentation - Summa_2

Basis of Presentation - Summary of Transition Impacts (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023	Nov. 01, 2022	Oct. 31, 2022
Miscellaneous assets [abstract]
Deferred tax assets	$ 3,024	$ 3,420	$ 1,542	$ 1,542
Other Insurance-related assets			3,415
Other assets	155,106	172,552	4,957
Miscellaneous liabilities [abstract]
Insurance-related liabilities			13,382
Other Deferred tax liabilities			102
Other liabilities	$ 334,544	$ 351,776	13,484
Previously reported [Member]
Miscellaneous assets [abstract]
Deferred tax assets			1,175
Other Insurance-related assets			2,575
Other assets			3,750
Miscellaneous liabilities [abstract]
Insurance-related liabilities			11,201
Other Deferred tax liabilities			102
Other liabilities			11,303
IAS 40 accounting policy change impacts [member] | Increase (decrease) due to changes in accounting policy [member]
Miscellaneous assets [abstract]
Deferred tax assets			(51)
Other Insurance-related assets			183
Other assets			132
IFRS 17 [member] | Increase (decrease) due to changes in accounting policy [member]
Miscellaneous assets [abstract]
Deferred tax assets			418
Other Insurance-related assets			657
Other assets			1,075
Miscellaneous liabilities [abstract]
Insurance-related liabilities			2,181
Other liabilities			$ 2,181

Basis of Presentation - Additio

Basis of Presentation - Additional Information (Detail) - CAD ($) $ in Millions		12 Months Ended
	Nov. 01, 2024	Oct. 31, 2024	Oct. 31, 2023	Nov. 01, 2022
Basis of presentation [line items]
Other assets		$ 42,387	$ 37,806
Liabilities		1,325,361	1,270,883
Assets		$ 1,409,647	1,347,006
Increase (decrease) due to changes in accounting policy required by IFRSs, cumulative effect at date of initial application [member] | Indian Accounting Standard Forty [Member]
Basis of presentation [line items]
Other assets				$ 132
Stockholders equity after tax				132
Increase (decrease) due to changes in accounting policy required by IFRSs, cumulative effect at date of initial application [member] | IFRS 17 [member]
Basis of presentation [line items]
Stockholders equity after tax				1,106
Liabilities				2,181
Assets				$ 1,075
Increase (decrease) due to changes in accounting policy required by IFRSs, cumulative effect at date of initial application [member] | IFRS 9 [member]
Basis of presentation [line items]
Liabilities			52,500
Assets			$ 52,500
Bottom of range [member]
Basis of presentation [line items]
Proportion of voting rights held in associate		20%
Top of range [member]
Basis of presentation [line items]
Proportion of voting rights held in associate		50%
Useful lives of Intangible assets other than goodwill		15 years
Tax rate effect from change in tax rate	65%

Cash and Interest Bearing Dep_3

Cash and Interest Bearing Deposits with Banks - Disclosure of Cash and Interest Bearing Deposits with Banks (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023	Oct. 31, 2022
Cash and interest bearing deposits with banks [abstract]
Cash and deposits with banks	[1]	$ 62,823	$ 75,528
Cheques and other items in transit, net		2,275	2,406
Total cash and cash equivalents		$ 65,098	$ 77,934	$ 87,466
[1]Includes deposits with the Bank of Canada, the U.S. Federal Reserve and other central banks.

Cash and Interest Bearing Dep_4

Cash and Interest Bearing Deposits with Banks - Additional Information (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of cash and interest bearing deposits with banks [abstract]
Reserves or minimum balances with central banks	$ 80	$ 125

Securities - Additional Informa

Securities - Additional Information (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	$ 19,064	$ 16,733
Amortized cost	115,188	116,814
FVOCI Securities	93,702	62,819
Debt securities [member]
Disclosure of financial assets [line items]
Amortized cost	115,188	116,814
FVOCI Securities	93,702	62,819
Allowance for credit losses of amortized cost	3	3
Allowance for credit losses of FVOCI securities	4	3
Mandatorily measured at fair value [member]
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	6,850	6,730
Assets recognised	900	808
Related to securities held by insurance subsidiaries [member]
Disclosure of financial assets [line items]
Fair value through profit or loss ("FVTPL") securities	$ 12,214	$ 10,003

Securities - Schedule of Fair V

Securities - Schedule of Fair Value Measurement (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
Trading Securities		$ 168,926	$ 123,718
FVTPL Securities		19,064	16,733
FVOCI Securities		93,702	62,819
Amortized Cost Securities		115,188	116,814
Total securities		396,880	320,084
Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		93,702	62,819
Amortized Cost Securities		106,461	104,171
Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		396,880	320,084
Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		111,370	98,301
U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		278,558	215,990
Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		6,952	5,793
Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		93,728	64,881
Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 115,188	$ 116,814
Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.61%	3.80%
Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		2.19%	2.01%
Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 10,036	$ 11,370
FVTPL Securities		403	216
Canadian federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		34,177	20,100
Amortized Cost Securities	[1]	2,403	4,905
Canadian federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		33,892	20,579
Amortized Cost Securities	[1]	$ 2,465	$ 4,908
Canadian federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.33%	3.05%
Canadian federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.81%	1.83%
Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 7,585	$ 7,170
FVTPL Securities		1,578	1,166
Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,996	5,055
Amortized Cost Securities	[1]	4,216	4,605
Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,939	5,281
Amortized Cost Securities	[1]	$ 4,488	$ 4,613
Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.61%	3.23%
Canadian provincial and municipal governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.38%	2.26%
U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 24,248	$ 20,132
FVTPL Securities		1,527	2,088
U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		16,965	5,880
Amortized Cost Securities	[1]	51,319	51,063
U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		17,033	6,245
Amortized Cost Securities	[1]	$ 55,421	$ 56,878
U.S. federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.06%	3.77%
U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.49%	1.50%
U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 565	$ 279
U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,068	5,301
Amortized Cost Securities	[1]	180	179
U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,125	5,486
Amortized Cost Securities	[1]	$ 182	$ 190
U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.04%	4.22%
U.S. states, municipalities and agencies [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	4.65%	4.66%
Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 3,849	$ 2,540
FVTPL Securities		25	48
Other governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,656	6,969
Amortized Cost Securities	[1]	675	779
Other governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,643	7,064
Amortized Cost Securities	[1]	$ 681	$ 948
Other governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.15%	3.11%
Other governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.80%	1.82%
NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	$ 40,995	$ 21,517
FVTPL Securities	[2]	21	19
NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	21,293	15,765
Amortized Cost Securities	[1],[2]	38,619	41,134
NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	21,570	16,421
Amortized Cost Securities	[1],[2]	$ 42,773	$ 47,590
NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	3.92%	4.76%
NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	2.58%	2.61%
Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 15,190	$ 11,933
FVTPL Securities		8,780	7,362
Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,370	3,589
Amortized Cost Securities	[1]	9,049	1,506
Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,391	3,676
Amortized Cost Securities	[1]	$ 9,178	$ 1,687
Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.67%	5.43%
Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	4.57%	1.80%
Trading loans [member]
Disclosure of financial assets [line items]
Trading Securities		$ 475	$ 450
Corporate equity [member]
Disclosure of financial assets [line items]
Trading Securities		65,983	48,327
FVTPL Securities		6,730	5,834
Corporate equity [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		177	160
Corporate equity [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		135	129
Within 1 year [member]
Disclosure of financial assets [line items]
Trading Securities		6,239
FVTPL Securities		451
Within 1 year [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		20,788
Amortized Cost Securities		17,206
Within 1 year [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		45,065
Within 1 year [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		21,661
Within 1 year [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		19,843
Within 1 year [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		3,561
Within 1 year [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		20,781
Within 1 year [member] | Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 17,587
Within 1 year [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.27%
Within 1 year [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		1.45%
Within 1 year [member] | Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 620
FVTPL Securities		276
Within 1 year [member] | Canadian federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		12,571
Amortized Cost Securities	[1]	1,014
Within 1 year [member] | Canadian federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		12,552
Amortized Cost Securities	[1]	$ 1,056
Within 1 year [member] | Canadian federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.48%
Within 1 year [member] | Canadian federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.79%
Within 1 year [member] | Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,983
FVTPL Securities		2
Within 1 year [member] | Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		666
Amortized Cost Securities	[1]	1,621
Within 1 year [member] | Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		665
Amortized Cost Securities	[1]	$ 1,699
Within 1 year [member] | Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.29%
Within 1 year [member] | Canadian provincial and municipal governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.90%
Within 1 year [member] | U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 896
FVTPL Securities		5
Within 1 year [member] | U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,422
Amortized Cost Securities	[1]	13,023
Within 1 year [member] | U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,423
Amortized Cost Securities	[1]	$ 13,237
Within 1 year [member] | U.S. federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4%
Within 1 year [member] | U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.40%
Within 1 year [member] | U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 4
Within 1 year [member] | U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		420
Within 1 year [member] | U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 423
Within 1 year [member] | U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.22%
Within 1 year [member] | Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 719
FVTPL Securities		25
Within 1 year [member] | Other governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		3,918
Amortized Cost Securities	[1]	283
Within 1 year [member] | Other governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		3,912
Amortized Cost Securities	[1]	$ 289
Within 1 year [member] | Other governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.87%
Within 1 year [member] | Other governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	0.91%
Within 1 year [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	$ 427
Within 1 year [member] | NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	58
Amortized Cost Securities	[1],[2]	934
Within 1 year [member] | NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	58
Amortized Cost Securities	[1],[2]	$ 971
Within 1 year [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	0.85%
Within 1 year [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	1.13%
Within 1 year [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,590
FVTPL Securities		143
Within 1 year [member] | Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,733
Amortized Cost Securities	[1]	331
Within 1 year [member] | Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,748
Amortized Cost Securities	[1]	$ 335
Within 1 year [member] | Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.35%
Within 1 year [member] | Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.55%
1 to 3 years [member]
Disclosure of financial assets [line items]
Trading Securities		$ 14,994
FVTPL Securities		287
1 to 3 years [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		11,420
Amortized Cost Securities		21,670
1 to 3 years [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		49,337
1 to 3 years [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		14,764
1 to 3 years [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		34,105
1 to 3 years [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		468
1 to 3 years [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		11,427
1 to 3 years [member] | Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 22,636
1 to 3 years [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.16%
1 to 3 years [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		1.53%
1 to 3 years [member] | Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,353
FVTPL Securities		7
1 to 3 years [member] | Canadian federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,975
Amortized Cost Securities	[1]	1,259
1 to 3 years [member] | Canadian federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		5,951
Amortized Cost Securities	[1]	$ 1,276
1 to 3 years [member] | Canadian federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.95%
1 to 3 years [member] | Canadian federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.72%
1 to 3 years [member] | Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 460
FVTPL Securities		10
1 to 3 years [member] | Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		496
Amortized Cost Securities	[1]	1,392
1 to 3 years [member] | Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		496
Amortized Cost Securities	[1]	$ 1,523
1 to 3 years [member] | Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.08%
1 to 3 years [member] | Canadian provincial and municipal governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.52%
1 to 3 years [member] | U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 8,123
1 to 3 years [member] | U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,743
Amortized Cost Securities	[1]	14,521
1 to 3 years [member] | U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,750
Amortized Cost Securities	[1]	$ 15,145
1 to 3 years [member] | U.S. federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4%
1 to 3 years [member] | U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.30%
1 to 3 years [member] | U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 52
1 to 3 years [member] | U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		640
1 to 3 years [member] | U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 652
1 to 3 years [member] | U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.56%
1 to 3 years [member] | Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,206
1 to 3 years [member] | Other governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		614
Amortized Cost Securities	[1]	378
1 to 3 years [member] | Other governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		616
Amortized Cost Securities	[1]	$ 378
1 to 3 years [member] | Other governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.42%
1 to 3 years [member] | Other governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.51%
1 to 3 years [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	$ 451
1 to 3 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	1,373
Amortized Cost Securities	[1],[2]	3,148
1 to 3 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	1,381
Amortized Cost Securities	[1],[2]	$ 3,280
1 to 3 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	2.79%
1 to 3 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	1.64%
1 to 3 years [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 3,283
FVTPL Securities		270
1 to 3 years [member] | Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		579
Amortized Cost Securities	[1]	972
1 to 3 years [member] | Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		581
Amortized Cost Securities	[1]	$ 1,034
1 to 3 years [member] | Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.24%
1 to 3 years [member] | Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.49%
1 to 3 years [member] | Trading loans [member]
Disclosure of financial assets [line items]
Trading Securities		$ 66
3 to 5 years [member]
Disclosure of financial assets [line items]
Trading Securities		11,173
FVTPL Securities		402
3 to 5 years [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		27,113
Amortized Cost Securities		16,621
3 to 5 years [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		56,702
3 to 5 years [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		17,213
3 to 5 years [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		38,834
3 to 5 years [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		655
3 to 5 years [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		27,023
3 to 5 years [member] | Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 18,014
3 to 5 years [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.89%
3 to 5 years [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		1.72%
3 to 5 years [member] | Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,933
3 to 5 years [member] | Canadian federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		10,861
Amortized Cost Securities	[1]	96
3 to 5 years [member] | Canadian federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		10,703
Amortized Cost Securities	[1]	$ 97
3 to 5 years [member] | Canadian federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.55%
3 to 5 years [member] | Canadian federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.71%
3 to 5 years [member] | Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 760
FVTPL Securities		34
3 to 5 years [member] | Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,286
Amortized Cost Securities	[1]	890
3 to 5 years [member] | Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,265
Amortized Cost Securities	[1]	$ 952
3 to 5 years [member] | Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.01%
3 to 5 years [member] | Canadian provincial and municipal governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.73%
3 to 5 years [member] | U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,933
3 to 5 years [member] | U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,283
Amortized Cost Securities	[1]	13,444
3 to 5 years [member] | U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,344
Amortized Cost Securities	[1]	$ 14,670
3 to 5 years [member] | U.S. federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.83%
3 to 5 years [member] | U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.58%
3 to 5 years [member] | U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 35
3 to 5 years [member] | U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		702
3 to 5 years [member] | U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 714
3 to 5 years [member] | U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.36%
3 to 5 years [member] | Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,185
3 to 5 years [member] | Other governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,124
Amortized Cost Securities	[1]	14
3 to 5 years [member] | Other governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,115
Amortized Cost Securities	[1]	$ 14
3 to 5 years [member] | Other governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4%
3 to 5 years [member] | Other governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	0.86%
3 to 5 years [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	$ 898
FVTPL Securities	[2]	13
3 to 5 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	7,360
Amortized Cost Securities	[1],[2]	2,072
3 to 5 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	7,390
Amortized Cost Securities	[1],[2]	$ 2,179
3 to 5 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	4.44%
3 to 5 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	2.08%
3 to 5 years [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 4,234
FVTPL Securities		355
3 to 5 years [member] | Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		497
Amortized Cost Securities	[1]	105
3 to 5 years [member] | Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		492
Amortized Cost Securities	[1]	$ 102
3 to 5 years [member] | Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.45%
3 to 5 years [member] | Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.68%
3 to 5 years [member] | Trading loans [member]
Disclosure of financial assets [line items]
Trading Securities		$ 195
5 to 10 years [member]
Disclosure of financial assets [line items]
Trading Securities		14,394
FVTPL Securities		1,144
5 to 10 years [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		25,412
Amortized Cost Securities		9,336
5 to 10 years [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		51,613
5 to 10 years [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		12,539
5 to 10 years [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		38,760
5 to 10 years [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		314
5 to 10 years [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		25,356
5 to 10 years [member] | Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 10,663
5 to 10 years [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.71%
5 to 10 years [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		1.72%
5 to 10 years [member] | Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 1,664
FVTPL Securities		11
5 to 10 years [member] | Canadian federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,770
Amortized Cost Securities	[1]	34
5 to 10 years [member] | Canadian federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		4,686
Amortized Cost Securities	[1]	$ 36
5 to 10 years [member] | Canadian federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2.93%
5 to 10 years [member] | Canadian federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.83%
5 to 10 years [member] | Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 944
FVTPL Securities		113
5 to 10 years [member] | Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,533
Amortized Cost Securities	[1]	313
5 to 10 years [member] | Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,496
Amortized Cost Securities	[1]	$ 314
5 to 10 years [member] | Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.45%
5 to 10 years [member] | Canadian provincial and municipal governments [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	3.20%
5 to 10 years [member] | U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 5,709
5 to 10 years [member] | U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		9,517
Amortized Cost Securities	[1]	7,421
5 to 10 years [member] | U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		9,516
Amortized Cost Securities	[1]	$ 8,587
5 to 10 years [member] | U.S. federal government [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.19%
5 to 10 years [member] | U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.56%
5 to 10 years [member] | U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 269
5 to 10 years [member] | U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,766
Amortized Cost Securities	[1]	180
5 to 10 years [member] | U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		2,789
Amortized Cost Securities	[1]	$ 182
5 to 10 years [member] | U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.59%
5 to 10 years [member] | U.S. states, municipalities and agencies [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	4.65%
5 to 10 years [member] | Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 569
5 to 10 years [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	1,089
FVTPL Securities	[2]	8
5 to 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	4,356
Amortized Cost Securities	[1],[2]	1,348
5 to 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	4,396
Amortized Cost Securities	[1],[2]	$ 1,502
5 to 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	3.66%
5 to 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	1.99%
5 to 10 years [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 3,936
FVTPL Securities		1,012
5 to 10 years [member] | Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,470
Amortized Cost Securities	[1]	40
5 to 10 years [member] | Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		1,473
Amortized Cost Securities	[1]	$ 42
5 to 10 years [member] | Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		2%
5 to 10 years [member] | Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	1.02%
5 to 10 years [member] | Trading loans [member]
Disclosure of financial assets [line items]
Trading Securities		$ 214
Over 10 years [member]
Disclosure of financial assets [line items]
Trading Securities		56,143
FVTPL Securities		10,050
Over 10 years [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		8,792
Amortized Cost Securities		41,628
Over 10 years [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		121,273
Over 10 years [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		17,759
Over 10 years [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		103,301
Over 10 years [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		213
Over 10 years [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		9,006
Over 10 years [member] | Amortized Cost [Member] | Carrying amount [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities		$ 46,288
Over 10 years [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		3.92%
Over 10 years [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)		3.09%
Over 10 years [member] | Canadian federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 4,466
FVTPL Securities		109
Over 10 years [member] | Canadian provincial and municipal governments [member]
Disclosure of financial assets [line items]
Trading Securities		3,438
FVTPL Securities		1,419
Over 10 years [member] | Canadian provincial and municipal governments [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		15
Over 10 years [member] | Canadian provincial and municipal governments [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 17
Over 10 years [member] | Canadian provincial and municipal governments [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		4.19%
Over 10 years [member] | U.S. federal government [member]
Disclosure of financial assets [line items]
Trading Securities		$ 7,587
FVTPL Securities		1,522
Over 10 years [member] | U.S. federal government [member] | Fair Value [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities	[1]	2,910
Over 10 years [member] | U.S. federal government [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
Amortized Cost Securities	[1]	$ 3,782
Over 10 years [member] | U.S. federal government [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	2.04%
Over 10 years [member] | U.S. states, municipalities and agencies [member]
Disclosure of financial assets [line items]
Trading Securities		$ 205
Over 10 years [member] | U.S. states, municipalities and agencies [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		540
Over 10 years [member] | U.S. states, municipalities and agencies [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 547
Over 10 years [member] | U.S. states, municipalities and agencies [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		5.32%
Over 10 years [member] | Other governments [member]
Disclosure of financial assets [line items]
Trading Securities		$ 170
Over 10 years [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure of financial assets [line items]
Trading Securities	[2]	38,130
Over 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	8,146
Amortized Cost Securities	[1],[2]	31,117
Over 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities	[2]	8,345
Amortized Cost Securities	[1],[2]	$ 34,841
Over 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)	[2]	3.81%
Over 10 years [member] | NHA MBS U.S. agency MBS and CMO [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1],[2]	2.77%
Over 10 years [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Trading Securities		$ 2,147
FVTPL Securities		7,000
Over 10 years [member] | Corporate debt [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		91
Amortized Cost Securities	[1]	7,601
Over 10 years [member] | Corporate debt [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		97
Amortized Cost Securities	[1]	$ 7,665
Over 10 years [member] | Corporate debt [member] | Financial assets at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Yield (%)		5.32%
Over 10 years [member] | Corporate debt [member] | Financial assets at amortized cost securities [member]
Disclosure of financial assets [line items]
Yield (%)	[1]	5.03%
No maturity [member]
Disclosure of financial assets [line items]
Trading Securities		$ 65,983
FVTPL Securities		6,730
Total securities		72,890	$ 54,320
No maturity [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		177
No maturity [member] | Total carrying value of securities [member]
Disclosure of financial assets [line items]
Total securities		72,890
No maturity [member] | Canadian Dollar [member]
Disclosure of financial assets [line items]
Total securities		27,434
No maturity [member] | U.S. dollar [member]
Disclosure of financial assets [line items]
Total securities		43,715
No maturity [member] | Other Currencies [member]
Disclosure of financial assets [line items]
Total securities		1,741
No maturity [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		135
No maturity [member] | Corporate equity [member]
Disclosure of financial assets [line items]
Trading Securities		65,983
FVTPL Securities		6,730
No maturity [member] | Corporate equity [member] | Fair Value [Member]
Disclosure of financial assets [line items]
FVOCI Securities		177
No maturity [member] | Corporate equity [member] | Amortized Cost [Member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 135
[1]The carrying values of securities that are part of fair value hedging relationships are adjusted for related gains (losses) on hedge contracts.[2]These amounts are either supported by insured mortgages or issued by U.S. agencies and government-sponsored enterprises. NHA refers to the National Housing Act, MBS refers to mortgage-backed securities and CMO refers to collateralized mortgage obligations.

Securities - Schedule of Unreal

Securities - Schedule of Unrealized Gains and Losses (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
FVOCI Securities		$ 93,702	$ 62,819
Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		93,728	64,881
Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		660	80
Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(686)	(2,142)
Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		93,702	62,819
Canadian federal government [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		33,892	20,579
Canadian federal government [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		303	14
Canadian federal government [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(18)	(493)
Canadian federal government [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		34,177	20,100
Canadian Provincial And Municipal Governments [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,939	5,281
Canadian Provincial And Municipal Governments [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		82	2
Canadian Provincial And Municipal Governments [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(25)	(228)
Canadian Provincial And Municipal Governments [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,996	5,055
U.S. federal government [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		17,033	6,245
U.S. federal government [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		100
U.S. federal government [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(168)	(365)
U.S. federal government [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		16,965	5,880
U.S. states, municipalities and agencies [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,125	5,486
U.S. states, municipalities and agencies [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		24	5
U.S. states, municipalities and agencies [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(81)	(190)
U.S. states, municipalities and agencies [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,068	5,301
Other governments [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,643	7,064
Other governments [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		20	13
Other governments [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(7)	(108)
Other governments [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		5,656	6,969
NHA MBS, U.S. agency MBS and CMO [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities	[1]	21,570	16,421
NHA MBS, U.S. agency MBS and CMO [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		58	12
NHA MBS, U.S. agency MBS and CMO [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(335)	(668)
NHA MBS, U.S. agency MBS and CMO [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		21,293	15,765
Corporate debt [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		4,391	3,676
Corporate debt [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		31	3
Corporate debt [member] | Gross Unrealized Losses [member]
Disclosure of financial assets [line items]
FVOCI Securities		(52)	(90)
Corporate debt [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		4,370	3,589
Corporate equity [member] | Cost/Amortized cost [member]
Disclosure of financial assets [line items]
FVOCI Securities		135	129
Corporate equity [member] | Gross Unrealized Gains [member]
Disclosure of financial assets [line items]
FVOCI Securities		42	31
Corporate equity [member] | Fair value [member]
Disclosure of financial assets [line items]
FVOCI Securities		$ 177	$ 160
[1]These amounts are either supported by insured mortgages or issued by U.S. agencies and government-sponsored enterprises. NHA refers to the National Housing Act, MBS refers to mortgage-backed securities and CMO refers to collateralized mortgage obligations.

Securities - Summary of Interes

Securities - Summary of Interest Income Calculated Using Effective Interest Method (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of interest, dividend and fee income [Line Items]
Total	$ 7,987	$ 6,093
FVTPL securities [member]
Disclosure Of interest, dividend and fee income [Line Items]
Total	161	66
FVOCI securities [member]
Disclosure Of interest, dividend and fee income [Line Items]
Total	3,874	2,517
Amortized cost securities [member]
Disclosure Of interest, dividend and fee income [Line Items]
Total	$ 3,952	$ 3,510

Securities - Summary of Non-Int

Securities - Summary of Non-Interest Revenue (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Interest Dividend and Fee Income [abstract]
FVTPL securities		$ 87	$ 144
FVOCI securities – realized gains	[1]	114	36
Impairment on FVOCI and amortized cost securities		(1)
Securities gains, other than trading		$ 200	$ 180
[1]Gains are net of (losses) on hedge contracts.

Securities - Summary of Inter_2

Securities - Summary of Interest and Dividend Income and Gains on Securities (Detail) - Insurance products [member] - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure In Tabular Form Of Interest And Dividend Income On Securities And Gains On Securities In Respect Of Insurance Business [Line Items]
Interest and dividend income		$ 515	$ 454
Gains (losses) from securities designated at FVTPL	[1]	1,270	(282)
Realized gains from FVOCI securities		1
Total interest and dividend income and gains held in our Insurance business		$ 1,786	$ 172
[1]Gains (losses) on these securities may be offset by certain (losses) gains from changes in insurance-related liabilities, as described above under Securities Designated at FVTPL.

Loans and Allowance for Credi_3

Loans and Allowance for Credit Losses - Additional Information (Detail) - CAD ($) $ in Millions		12 Months Ended
	Feb. 01, 2023	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Interest income on impaired loans		$ 306	$ 161
Allowances for credit losses		4,936	4,267
Carrying value of renegotiated loans		1,595	1,005
Real estate properties held for sale		67	18
Purchased credit impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Unamortized fair value mark		(20)	(61)
Purchase of asset at gross carrying value		123	219
Cumulative fair value mark	$ (168)
Purchase of asset at fair value	415
Purchased performing loans [member]
Disclosure of detailed information about financial instruments [line items]
Provision for Credit Losses	705
Cumulative fair value mark		(1,483)	(2,317)
Acquisition date of fair value expected credit loss	1,047
Gross contractual receivables	78,931
Financial assets at fair value		$ 45,697	68,025
Purchase of asset at fair value	$ 76,068
Base case scenario [member]
Disclosure of detailed information about financial instruments [line items]
Scenario weight		100%
Severe Downside Scenario [member]
Disclosure of detailed information about financial instruments [line items]
Scenario weight		100%
12-month expected credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Modified loss allowance during the year change from lifetime to 12-month ECL.		$ 3	26
Allowance for credit losses related to loans [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses		4,356	3,807
Allowance for credit losses related to other credit instruments [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses off balance sheet		580	460
Related to performing loans, assuming 100% base case scenario [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses		4,205	3,572
Modelled allowance account for credit losses of financial assets based on assumptions		2,625	2,625
Related to performing loans, assuming 100% severe downside scenario [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses		4,205	3,572
Modelled allowance account for credit losses of financial assets based on assumptions		7,500	6,025
Performing loans, stage one scenario [member]
Disclosure of detailed information about financial instruments [line items]
Allowances for credit losses		4,205	3,572
Modelled allowance account for credit losses of financial assets based on assumptions		$ 3,050	$ 2,800
Expected credit loss period		12 months

Loans and Allowance for Credi_4

Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of credit risk exposure [line items]
Beginning balance	$ 4,267
Recoveries of previous write-offs	1,255	$ 38
Ending balance	4,936	4,267
IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	4,267
Ending balance	4,936	4,267
IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Beginning balance	3,807
Ending balance	4,356	3,807
IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Beginning balance	460
Ending balance	580	460
Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	234	142
Net remeasurement of loss allowance	64	27
Loan originations	24	26
Loan purchases		31
Derecognitions and maturities	(16)	(13)
Model changes	(6)	44
Total PCL	66	115
Write-offs	(5)	(10)
Recoveries of previous write-offs	7	7
Foreign exchange and other	(41)	(20)
Ending balance	261	234
Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	806	517
Net remeasurement of loss allowance	555	483
Loan originations	54	64
Loan purchases		179
Derecognitions and maturities	(66)	(77)
Model changes	61	(34)
Total PCL	604	615
Write-offs	(623)	(371)
Recoveries of previous write-offs	195	74
Foreign exchange and other	(139)	(29)
Ending balance	843	806
Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	496	365
Net remeasurement of loss allowance	759	436
Loan originations	76	78
Loan purchases		25
Derecognitions and maturities	(35)	(43)
Model changes	13
Total PCL	813	496
Write-offs	(720)	(436)
Recoveries of previous write-offs	171	103
Foreign exchange and other	(55)	(32)
Ending balance	705	496
Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	2,731	1,974
Net remeasurement of loss allowance	2,338	597
Loan originations	286	280
Loan purchases		470
Derecognitions and maturities	(466)	(319)
Model changes	110	(68)
Total PCL	2,268	960
Write-offs	(1,802)	(372)
Recoveries of previous write-offs	194	81
Foreign exchange and other	(264)	88
Ending balance	3,127	2,731
Stage One [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,524
Ending balance	1,378	1,524
Stage One [member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,264
Ending balance	1,143	1,264
Stage One [member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Beginning balance	260
Ending balance	235	260
Stage One [member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	73	59
Transfer to Stage 1	132	92
Transfer to Stage 2	(26)	(18)
Transfer to Stage 3	(1)	(1)
Net remeasurement of loss allowance	(142)	(94)
Loan originations	24	26
Loan purchases		31
Derecognitions and maturities	(3)	(4)
Model changes	(1)	(19)
Total PCL	(17)	13
Foreign exchange and other		1
Ending balance	56	73
Stage One [member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	220	111
Transfer to Stage 1	301	265
Transfer to Stage 2	(44)	(52)
Transfer to Stage 3	(7)	(18)
Net remeasurement of loss allowance	(237)	(264)
Loan originations	54	58
Loan purchases		179
Derecognitions and maturities	(16)	(34)
Model changes	15	(26)
Total PCL	66	108
Foreign exchange and other	(89)	1
Ending balance	197	220
Stage One [member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	188	115
Transfer to Stage 1	226	172
Transfer to Stage 2	(64)	(45)
Transfer to Stage 3	(6)	(3)
Net remeasurement of loss allowance	(182)	(146)
Loan originations	76	77
Loan purchases		25
Derecognitions and maturities	(8)	(7)
Model changes	4
Total PCL	46	73
Foreign exchange and other	(1)
Ending balance	233	188
Stage One [member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,043	746
Transfer to Stage 1	601	306
Transfer to Stage 2	(278)	(173)
Transfer to Stage 3	(9)	(25)
Net remeasurement of loss allowance	(599)	(446)
Loan originations	278	276
Loan purchases		470
Derecognitions and maturities	(147)	(126)
Model changes	53	(17)
Total PCL	(101)	265
Foreign exchange and other	(50)	32
Ending balance	892	1,043
Stage Two [Member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	2,048
Ending balance	2,827	2,048
Stage Two [Member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,859
Ending balance	2,560	1,859
Stage Two [Member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Beginning balance	189
Ending balance	267	189
Stage Two [Member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	151	67
Transfer to Stage 1	(130)	(92)
Transfer to Stage 2	42	27
Transfer to Stage 3	(29)	(12)
Net remeasurement of loss allowance	170	106
Derecognitions and maturities	(13)	(9)
Model changes	(5)	63
Total PCL	35	83
Foreign exchange and other		1
Ending balance	186	151
Stage Two [Member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	434	304
Transfer to Stage 1	(283)	(254)
Transfer to Stage 2	91	93
Transfer to Stage 3	(133)	(104)
Net remeasurement of loss allowance	355	438
Loan originations		6
Derecognitions and maturities	(38)	(43)
Model changes	46	(8)
Total PCL	38	128
Foreign exchange and other	(1)	2
Ending balance	471	434
Stage Two [Member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	308	250
Transfer to Stage 1	(226)	(172)
Transfer to Stage 2	64	45
Transfer to Stage 3	(290)	(147)
Net remeasurement of loss allowance	633	366
Loan originations		1
Derecognitions and maturities	(27)	(36)
Model changes	9
Total PCL	163	57
Foreign exchange and other	1	1
Ending balance	472	308
Stage Two [Member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	1,155	789
Transfer to Stage 1	(575)	(291)
Transfer to Stage 2	394	236
Transfer to Stage 3	(310)	(161)
Net remeasurement of loss allowance	1,189	735
Loan originations	8	4
Derecognitions and maturities	(308)	(193)
Model changes	57	(51)
Total PCL	455	279
Foreign exchange and other	88	87
Ending balance	1,698	1,155
Stage three [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	695
Ending balance	731	695
Stage three [member] | IFRS9 [member] | Allowance for credit losses related to loans [member]
Disclosure of credit risk exposure [line items]
Beginning balance	684
Ending balance	653	684
Stage three [member] | IFRS9 [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of credit risk exposure [line items]
Beginning balance	11
Ending balance	78	11
Stage three [member] | Residential mortgages [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	10	16
Transfer to Stage 1	(2)
Transfer to Stage 2	(16)	(9)
Transfer to Stage 3	30	13
Net remeasurement of loss allowance	36	15
Total PCL	48	19
Write-offs	(5)	(10)
Recoveries of previous write-offs	7	7
Foreign exchange and other	(41)	(22)
Ending balance	19	10
Stage three [member] | Consumer installment and other personal loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	152	102
Transfer to Stage 1	(18)	(11)
Transfer to Stage 2	(47)	(41)
Transfer to Stage 3	140	122
Net remeasurement of loss allowance	437	309
Derecognitions and maturities	(12)
Total PCL	500	379
Write-offs	(623)	(371)
Recoveries of previous write-offs	195	74
Foreign exchange and other	(49)	(32)
Ending balance	175	152
Stage three [member] | Credit Card Loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Transfer to Stage 3	296	150
Net remeasurement of loss allowance	308	216
Total PCL	604	366
Write-offs	(720)	(436)
Recoveries of previous write-offs	171	103
Foreign exchange and other	(55)	(33)
Stage three [member] | Business and government loans [member] | IFRS9 [member]
Disclosure of credit risk exposure [line items]
Beginning balance	533	439
Transfer to Stage 1	(26)	(15)
Transfer to Stage 2	(116)	(63)
Transfer to Stage 3	319	186
Net remeasurement of loss allowance	1,748	308
Derecognitions and maturities	(11)
Total PCL	1,914	416
Write-offs	(1,802)	(372)
Recoveries of previous write-offs	194	81
Foreign exchange and other	(302)	(31)
Ending balance	$ 537	$ 533

Loans and Allowance for Credi_5

Loans and Allowance for Credit Losses - Summary of Continuity in Loss Allowance by Each Product Type (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Other assets [member]
Disclosure of credit risk exposure [line items]
Provision for credit losses	$ 10	$ (8)

Loans and Allowance for Credi_6

Loans and Allowance for Credit Losses - Summary of Credit Risk Exposures for Loans Carried at Amortized Cost, FVOCI or FVTPL (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of credit risk exposure [line items]
ACL	$ 4,936	$ 4,267
Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	190,829	177,026
Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	191,080	177,250
ACL	251	224
Residential mortgages [member] | Gross carrying amount [member] | Default and impaired [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	657	424
Residential mortgages [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1	2
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	92,361	85,594
Residential mortgages [member] | Gross carrying amount [member] | Low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	67,191	62,186
Residential mortgages [member] | Gross carrying amount [member] | Medium probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	12,731	10,723
Residential mortgages [member] | Gross carrying amount [member] | High probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	2,890	2,297
Residential mortgages [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	15,249	16,024
Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	91,889	103,267
Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	92,687	104,042
ACL	798	775
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	577	549
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	9,307	1,551
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	21,369	38,104
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	30,700	22,458
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	12,931	13,657
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	2,806	2,886
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	14,997	24,837
Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	13,030	11,893
Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	13,612	12,294
ACL	582	401
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	1,660	1,605
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	2,167	1,947
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	2,170	1,954
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	5,368	4,750
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	1,668	1,296
Credit Card Loans [member] | Gross carrying amount [member] | Not Rated [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	579	742
Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	382,627	372,590
Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	385,352	374,997
ACL	2,725	2,407
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	4,609	2,987
Business and government loans [member] | Gross carrying amount [member] | Investment grade [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	195,179	206,617
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	162,791	152,795
Business and government loans [member] | Gross carrying amount [member] | Watch list [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	22,773	12,598
Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	283,360	269,794
Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
ACL	580	460
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	1,373	687
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	198,919	196,870
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	74,824	68,306
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	8,824	4,391
Gross Total Loans And Acceptances [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	682,731	668,583
Net Total Loans And Acceptances [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	678,375	664,776
Gross commitments and financial guarantee contracts [Member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	283,940	270,254
Stage One [member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	160,663	158,195
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	160,719	158,268
ACL	56	73
Stage One [member] | Residential mortgages [member] | Gross carrying amount [member] | Exceptionally low probability of default [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1	2
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	86,730	85,423
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	52,111	51,366
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	7,402	5,289
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	268	282
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	14,207	15,906
Stage One [member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	78,286	93,825
Stage One [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	78,469	94,033
ACL	183	208
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	9,162	1,547
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	20,466	37,924
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	26,125	21,406
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	7,405	7,971
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	789	759
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	14,522	24,426
Stage One [member] | Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	11,495	10,345
Stage One [member] | Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	11,656	10,479
ACL	161	134
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	1,660	1,605
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	2,166	1,946
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	2,110	1,884
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	4,544	3,860
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	746	533
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	430	651
Stage One [member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	338,950	329,495
Stage One [member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	339,693	330,344
ACL	743	849
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	191,742	202,731
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	147,713	126,535
Stage One [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	238	1,078
Stage One [member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	266,133	249,291
Stage One [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
ACL	235	260
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	198,132	195,149
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	68,177	54,148
Stage One [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	59	254
Stage One [member] | Gross Total Loans And Acceptances [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	590,537	593,124
Stage One [member] | Net Total Loans And Acceptances [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	589,394	591,860
Stage One [member] | Gross commitments and financial guarantee contracts [Member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	266,368	249,551
Stage Two [Member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	29,519	18,412
Stage Two [Member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	29,704	18,558
ACL	185	146
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	5,631	171
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	15,080	10,820
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	5,329	5,434
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	2,622	2,015
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	1,042	118
Stage Two [Member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	13,194	9,045
Stage Two [Member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	13,641	9,460
ACL	447	415
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	145	4
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	903	180
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	4,575	1,052
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	5,526	5,686
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	2,017	2,127
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	475	411
Stage Two [Member] | Credit Card Loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,535	1,548
Stage Two [Member] | Credit Card Loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	1,956	1,815
ACL	421	267
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	1	1
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	60	70
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	824	890
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	922	763
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	149	91
Stage Two [Member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	39,543	40,635
Stage Two [Member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	41,050	41,666
ACL	1,507	1,031
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	3,437	3,886
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	15,078	26,260
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	22,535	11,520
Stage Two [Member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	15,932	19,827
Stage Two [Member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
ACL	267	189
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	787	1,721
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	6,647	14,158
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	8,765	4,137
Stage Two [Member] | Gross Total Loans And Acceptances [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	86,351	71,499
Stage Two [Member] | Net Total Loans And Acceptances [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	83,791	69,640
Stage Two [Member] | Gross commitments and financial guarantee contracts [Member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	16,199	20,016
Stage three [member] | Residential mortgages [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	647	419
Stage three [member] | Residential mortgages [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	657	424
ACL	10	5
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	657	424
Stage three [member] | Consumer installment and other personal loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	409	397
Stage three [member] | Consumer installment and other personal loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	577	549
ACL	168	152
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	577	549
Stage three [member] | Business and government loans [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,134	2,460
Stage three [member] | Business and government loans [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	4,609	2,987
ACL	475	527
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	4,609	2,987
Stage three [member] | Loan commitments and financial guarantee contracts issued [member]
Disclosure of credit risk exposure [line items]
Commitments and financial guarantee contracts	1,295	676
Stage three [member] | Loan commitments and financial guarantee contracts issued [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
ACL	78	11
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	1,373	687
Stage three [member] | Gross Total Loans And Acceptances [member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	5,843	3,960
Stage three [member] | Net Total Loans And Acceptances [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	5,190	3,276
Stage three [member] | Gross commitments and financial guarantee contracts [Member] | Gross carrying amount [member]
Disclosure of credit risk exposure [line items]
Credit risk exposure for loans	$ 1,373	$ 687

Loans and Allowance for Credi_7

Loans and Allowance for Credit Losses - Summary of Credit Risk Exposures for Loans Carried at Amortized Cost, FVOCI or FVTPL (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Stage 3 [member]
Disclosure of credit risk exposure [line items]
Percentage of collateralized loan	92%	93%
Credit Card Loans [member] | Principal [member] | Bottom of range [member]
Disclosure of credit risk exposure [line items]
Number of days for which the loan receivable is overdue for the loans to be written off	180 days	180 days
Credit Card Loans [member] | Interest [member] | Bottom of range [member]
Disclosure of credit risk exposure [line items]
Number of days for which the loan receivable is overdue for the loans to be written off	180 days	180 days
Residential mortgages [member] | FVTPL loans [member] | Stage 1 [member]
Disclosure of credit risk exposure [line items]
FVTPL loans	$ 163	$ 1,676
Business and government loans [member] | FVTPL loans [member] | Stage 1 [member]
Disclosure of credit risk exposure [line items]
FVTPL loans	$ 12,431	$ 5,720

Loans and Allowance for Credi_8

Loans and Allowance for Credit Losses - Schedule of Loans and Allowance for Credit Losses by Geographic Region (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	$ 682,372	$ 660,472
ACL	4,936	4,267
Loans, Net amount	678,016	656,665
Allowance for credit losses related to loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	682,372	660,472
Loans, Net amount	678,016	656,665
Allowance for credit losses related to loans [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL	653	684
Allowance for credit losses related to loans [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL	3,703	3,123
Allowance for credit losses related to loans [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	392,398	365,455
Loans, Net amount	390,406	363,726
Allowance for credit losses related to loans [member] | Canada [member] | Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL	461	457
Allowance for credit losses related to loans [member] | Canada [member] | Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL	1,531	1,272
Allowance for credit losses related to loans [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	277,718	283,355
Loans, Net amount	275,385	281,295
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]
ACL	192	227
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]
ACL	2,141	1,833
Allowance for credit losses related to loans [member] | Other countries [member]
Disclosure of detailed information about financial instruments [line items]
Loans, Gross amount	12,256	11,662
Loans, Net amount	12,225	11,644
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]
ACL	$ 31	$ 18

Loans and Allowance for Credi_9

Loans and Allowance for Credit Losses - Schedule of Loans and Allowance for Credit Losses by Geographic Region (Parenthetical) (Detail) - Other credit instruments [member] - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Related to impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL recorded in other liabilities	$ 78	$ 11
Related to performing loans [member]
Disclosure of detailed information about financial instruments [line items]
ACL recorded in other liabilities	$ 502	$ 449

Loans and Allowance for Cred_10

Loans and Allowance for Credit Losses - Schedule of impaired loans, including the related allowances (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 5,190	$ 3,276
Financial assets impaired [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	2,052	1,172
Financial assets impaired [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	3,135	2,104
Financial assets impaired [member] | Other countries [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	3
Residential mortgages [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	647	419
Consumer installment and other personal [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	409	397
Business and government loans [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	4,134	2,460
Allowance on impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	653	684
Allowance on impaired loans [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	461	457
Allowance on impaired loans [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	192	227
Allowance on impaired loans [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	10	5
Allowance on impaired loans [member] | Consumer installment and other personal [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	168	152
Allowance on impaired loans [member] | Business and government loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	475	527
Gross carrying amount [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	5,843	3,960
Gross carrying amount [member] | Financial assets impaired [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	2,513	1,629
Gross carrying amount [member] | Financial assets impaired [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	3,327	2,331
Gross carrying amount [member] | Financial assets impaired [member] | Other countries [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	3
Gross carrying amount [member] | Residential mortgages [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	657	424
Gross carrying amount [member] | Consumer installment and other personal [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	577	549
Gross carrying amount [member] | Business and government loans [member] | Financial assets impaired [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 4,609	$ 2,987

Loans and Allowance for Cred_11

Loans and Allowance for Credit Losses - Schedule of impaired loans, including the related allowances (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Accumulated impairment [member] | Allowance for credit losses related to other credit instruments [member]
Disclosure of detailed information about financial instruments [line items]
ACL	$ 78	$ 11

Loans and Allowance for Cred_12

Loans and Allowance for Credit Losses - Summary of Loans that are Past Due but not Classified as Impaired (Detail) - Financial assets past due but not impaired [member] - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 2,323	$ 2,692
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	711	716
Credit card, consumer installment and other personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	907	1,132
Business and government loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	705	844
90 days or more [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	204	156
90 days or more [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	15	9
90 days or more [member] | Credit card, consumer installment and other personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	173	129
90 days or more [member] | Business and government loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	16	18
30-89 days [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	2,119	2,536
30-89 days [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	696	707
30-89 days [member] | Credit card, consumer installment and other personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	734	1,003
30-89 days [member] | Business and government loans [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 689	$ 826

Loans and Allowance for Cred_13

Loans and Allowance for Credit Losses - Summary of Loans that are Past Due but not Classified as Impaired (Parenthetical) (Detail) - Financial assets past due but not impaired [member] - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 2,323	$ 2,692
Maturity Between 90 to 180 Days Past Due [member]
Disclosure of detailed information about financial instruments [line items]
Total loans	$ 16	$ 10

Loans and Allowance for Cred_14

Loans and Allowance for Credit Losses - Summary of Key Economic Variables Used to Estimate Allowance on Performing Loans During Forecast Period (Detail)	Oct. 31, 2024	Oct. 31, 2023
Upside Scenarios [member] | Canada [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	4.60%	3.20%
Corporate BBB	1.30%	1.70%
Unemployment rates	5.30%	4.20%
Housing Price Index	5.90%	9.90%
Upside Scenarios [member] | Canada [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	2.60%	2.60%
Corporate BBB	1.80%	1.80%
Unemployment rates	4.80%	3.70%
Housing Price Index	5.40%	6.90%
Upside Scenarios [member] | United States [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	4.30%	4.10%
Corporate BBB	0.90%	1.40%
Unemployment rates	3.40%	2.90%
Housing Price Index	5.90%	2.70%
Upside Scenarios [member] | United States [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	2.40%	2.50%
Corporate BBB	1.60%	1.70%
Unemployment rates	3%	2.50%
Housing Price Index	4%	3.70%
Base Scenarios [member] | Canada [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.80%	0.40%
Corporate BBB	1.90%	2.40%
Unemployment rates	7%	5.90%
Housing Price Index	1.60%	5.50%
Base Scenarios [member] | Canada [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.90%	1.90%
Corporate BBB	2%	2%
Unemployment rates	6.80%	5.70%
Housing Price Index	3%	4.50%
Base Scenarios [member] | United States [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.90%	1.40%
Corporate BBB	1.60%	2.20%
Unemployment rates	4.70%	4.20%
Housing Price Index	2.80%	(0.50%)
Base Scenarios [member] | United States [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.90%	2%
Corporate BBB	2%	2.10%
Unemployment rates	4.40%	4.10%
Housing Price Index	2.60%	2.30%
Downside Scenarios [member] | Canada [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	(2.30%)
Corporate BBB	3.60%
Unemployment rates	8.80%
Housing Price Index	(10.90%)
Downside Scenarios [member] | Canada [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.30%
Corporate BBB	3%
Unemployment rates	9.40%
Housing Price Index	(1.00%)
Downside Scenarios [member] | United States [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	(2.10%)
Corporate BBB	3.40%
Unemployment rates	6.70%
Housing Price Index	(9.60%)
Downside Scenarios [member] | United States [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.40%
Corporate BBB	3.10%
Unemployment rates	7.30%
Housing Price Index	(1.00%)
Severe Downside Scenario [member] | Canada [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	(3.60%)	(3.90%)
Corporate BBB	4.20%	4.20%
Unemployment rates	9.80%	9.30%
Housing Price Index	(19.00%)	(20.20%)
Severe Downside Scenario [member] | Canada [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.20%	1.20%
Corporate BBB	3.50%	3.50%
Unemployment rates	10.50%	10.10%
Housing Price Index	(5.00%)	(5.00%)
Severe Downside Scenario [member] | United States [member] | First 12 months [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	(3.40%)	(3.50%)
Corporate BBB	4.60%	4.60%
Unemployment rates	7.60%	7.50%
Housing Price Index	(19.30%)	(19.20%)
Severe Downside Scenario [member] | United States [member] | Remaining horizon [member]
Disclosure of detailed information about financial instruments [line items]
Real GDP growth rates	1.30%	1.40%
Corporate BBB	3.60%	3.50%
Unemployment rates	8.40%	8.30%
Housing Price Index	(4.30%)	(4.30%)

Transfers of Financial Assets -

Transfers of Financial Assets - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Sale of mortgage loans	$ 3,687	$ 4,950
Securities Lent Under Cash Collateral	12,913	13,559
Collateralized Mortgage Obligations at fair value	6	9
Securities Sold Under Repurchase Agreement	97,878	92,549
United States [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Sale of mortgage loans	10,249	364
Carry value of Mortgage servicing rights	169	94
Gain (loss) on sale of Mortgage loans	(153)	10
Fair value of Mortgage serving rights	192	120
United States [member] | Residual Interests of Commercial Mortgage Loans [Member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Proceeds from continuing involvement in derecognised financial assets	4,412	1,302
Gain of derecognised financial assets at date of transfer	49	28
Debt securities at amortized cost	7	8
Loans carried at amortized cost	40	38
NHA MBS Program [Member] | Canada [member] | Residential Mortgages [Member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Sale of mortgage loans	2,157	1,186
Gain (loss) on sale of Mortgage loans	90	53
Collateralized Mortgage Obligations at fair value	$ 146	$ 56

Transfers of Financial Assets_2

Transfers of Financial Assets - Summary of Carrying Value and Fair Value of Transferred Assets That Did Not Qualify for Derecognition and Associated Liabilities Relating to Loan Securitizations (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	$ 16,335	$ 16,024
Fair Value	16,118	15,266
Carrying value of associated liabilities	15,790	14,937
Fair Value	15,598	14,244
Trading securities [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	106	277
Loans [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	9,277	7,317
Other related assets [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	$ 6,952	$ 8,430

Structured Entities - Summary o

Structured Entities - Summary of Carrying Amount and Fair Value (Detail) - Consolidated structured entities [member] - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Carrying value [member]
Disclosure of information about structured entities [Line Items]
Assets	$ 14,696	$ 14,201
Associated liabilities	9,151	10,376
Fair Value [Member]
Disclosure of information about structured entities [Line Items]
Assets	14,692	14,176
Associated liabilities	9,146	10,177
Credit cards [Member] | Carrying value [member]
Disclosure of information about structured entities [Line Items]
Assets	10,964	9,506
Credit cards [Member] | Fair Value [Member]
Disclosure of information about structured entities [Line Items]
Assets	10,964	9,506
Consumer installment and other personal [member] | Carrying value [member]
Disclosure of information about structured entities [Line Items]
Assets	3,732	4,695
Consumer installment and other personal [member] | Fair Value [Member]
Disclosure of information about structured entities [Line Items]
Assets	$ 3,728	$ 4,670

Structured Entities - Additiona

Structured Entities - Additional Information (Detail) $ in Millions, $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)	Oct. 31, 2024 USD ($)	Oct. 31, 2023 CAD ($)	Oct. 31, 2024 USD ($)	Jul. 17, 2024 USD ($)
Disclosure of information about structured entities [Line Items]
Fair value of transferred financial assets that are not derecognised in their entirety	$ 16,118		$ 15,266
Associated liabilities	15,598		14,244
NHA MBS US Agency MBS And CMO [member]
Disclosure of information about structured entities [Line Items]
Fair value of transferred financial assets that are not derecognised in their entirety	19,903		3,127
Series 49 of Non Viability Contingent Capital [Member]
Disclosure of information about structured entities [Line Items]
BMO issued Non-cumulative, 5-year Rate Reset Class B Preferred Shares	750
Series Fifty One of Non Viability Contingent Capital [Member]
Disclosure of information about structured entities [Line Items]
BMO issued Non-cumulative, 5-year Rate Reset Class B Preferred Shares	1,000
Series Fifty Four Non Viability Contingent Capital [Member]
Disclosure of information about structured entities [Line Items]
BMO issued Non-cumulative, 5-year Rate Reset Class B Preferred Shares		$ 750
Series Fifty Three Non Viability Contingent Capital [Member]
Disclosure of information about structured entities [Line Items]
BMO issued Non-cumulative, 5-year Rate Reset Class B Preferred Shares		$ 1,000
Five Point Six Two Five Percentage Limited Recourse Capital Notes Series Two [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 750
Compound Instrument Interest Rate	5.625%	5.625%
Four Point Three Percentage Limited Recourse Capital Notes Series One [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 1,250
Compound Instrument Interest Rate	4.30%	4.30%
Seven Point Three Two Five Percentage Limited Recourse Capital Notes Series Three [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 1,000
Compound Instrument Interest Rate	7.325%	7.325%
Trading securities [member]
Disclosure of information about structured entities [Line Items]
Mortgage backed securities at fair value	$ 1,582		219
Class B Series Forty Eight Preferred Shares [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	1,250
BMO issued Non-cumulative, 5-year Rate Reset Class B Preferred Shares	1,250
Other Equity Instruments [Member] | Five Point Six Two Five Percentage Limited Recourse Capital Notes Series Two [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 750
Compound Instrument Interest Rate	5.625%	5.625%
Other Equity Instruments [Member] | Four Point Three Percentage Limited Recourse Capital Notes Series One [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 1,250
Compound Instrument Interest Rate	4.30%	4.30%
Other Equity Instruments [Member] | Seven Point Three Two Five Percentage Limited Recourse Capital Notes Series Three [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued	$ 1,000
Compound Instrument Interest Rate	7.325%	7.325%
Other Equity Instruments [Member] | Seven Point Three Percentage Limited Recourse Capital Notes Series Five [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued				$ 750	$ 750
Compound Instrument Interest Rate	7.30%	7.30%
Other Equity Instruments [Member] | Seven Point Seven Hundred Percentage Limited Recourse Capital Notes Series Four [Member]
Disclosure of information about structured entities [Line Items]
Guarantee-linked notes issued				$ 1,000
Compound Instrument Interest Rate	7.70%	7.70%
Other Securitization Vehicles [Member]
Disclosure of information about structured entities [Line Items]
Sale of MBS to securitization vehicles	$ 1,730		1,170
Gain or loss on sale of mortgage backed securities	19		25
Other Securitization Vehicles [Member] | Financial liabilities at amortised cost, category [member]
Disclosure of information about structured entities [Line Items]
Financial liabilities	169		100
Securities [member] | NHA MBS US Agency MBS And CMO [member]
Disclosure of information about structured entities [Line Items]
Associated liabilities	15,223		1,781
Securities [member] | BMO managed funds [member]
Disclosure of information about structured entities [Line Items]
Assets recognised	848		870
Securities [member] | BMO managed funds [member] | Fair Value Through Profit Or Loss [Member]
Disclosure of information about structured entities [Line Items]
Assets recognised	250		181
Securities [member] | BMO managed funds [member] | Trading securities [member]
Disclosure of information about structured entities [Line Items]
Assets recognised	598		689
U.S. customer securitization vehicle [member]
Disclosure of information about structured entities [Line Items]
Sale of MBS to securitization vehicles	31,832		11,779
Canadian customer securitization vehicles [member]
Disclosure of information about structured entities [Line Items]
Undrawn amount under liquidity facilities	19,296		19,775
Funding vehicle [member]
Disclosure of information about structured entities [Line Items]
Commercial papers issued	$ 9,682		$ 6,054

Structured Entities - Schedule

Structured Entities - Schedule of Unconsolidated Structured Entities (Detail) - CAD ($) $ in Millions	Oct. 31, 2024		Oct. 31, 2023	Nov. 01, 2022	Oct. 31, 2022
Disclosure of unconsolidated structured entities [line items]
Cash and cash equivalents	$ 65,098		$ 77,934		$ 87,466
Trading Securities	168,926		123,718
FVTPL Securities	19,064		16,733
FVOCI Securities	93,702		62,819
Derivatives	47,253		39,976
Other	42,387		37,806
Derivatives	58,303		50,193
Other	334,544		351,776	$ 13,484
Total assets of the entities	1,409,647		1,347,006
Customer securitization vehicles [member]
Disclosure of unconsolidated structured entities [line items]
Cash and cash equivalents	107		184
Trading Securities	170		518
FVTPL Securities	40		23
FVOCI Securities	1,484		1,393
Derivatives	1		23
Other	8		9
Total assets	1,810		2,150
Deposits	107		184
Derivatives	3
Total liabilities	110		184
Maximum exposure to loss	20,998	[1],[2]	21,740
Total assets of the entities	12,956		13,936
Capital vehicles [member]
Disclosure of unconsolidated structured entities [line items]
Cash and cash equivalents	5,536		5,182
Total assets	5,536		5,182
Deposits	5,536		5,182
Other	87		79
Total liabilities	5,623		5,261
Maximum exposure to loss	1		1
Total assets of the entities	5,624		5,260
Other securitization vehicles [member]
Disclosure of unconsolidated structured entities [line items]
Trading Securities	21,485		3,346
Other	169		100
Total assets	21,654		3,446
Maximum exposure to loss	21,654		3,446
Total assets of the entities	$ 87,611		$ 30,877
[1]Maximum exposure to loss represents securities held, undrawn liquidity facilities, any remaining unfunded committed amounts to the BMO funded vehicle, derivative assets and other assets.[2]Securities held that are issued by our Canadian and U.S. customer securitization vehicles comprises asset-backed commercial paper (ABCP) and are classified as either trading securities, FVTPL securities or FVOCI securities.

Derivative Instruments - Additi

Derivative Instruments - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Obligation to exercise the option	$ 67	$ 55
Derivative instruments in a liability position	9,656	10,323
Derivative instruments in a liability position, collateral posted	8,882	9,084
Loan commitment derivatives with notional	2,498	$ 1,805
Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Obligation to exercise the option	$ 0

Derivative Instruments - Schedu

Derivative Instruments - Schedule of Fair Value of Derivative Instruments (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Derivative Financial Instruments [Line Items]
Total	$ (58,303)	$ (50,193)
Total fair value - trading and hedging derivatives	(11,050)	(10,217)
Total	(11,050)	(10,217)
Trading Derivatives [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - trading derivatives	(11,834)	(9,162)
Trading Derivatives [Member] | Interest rate contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(2,504)	(5,200)
Trading Derivatives [Member] | Interest rate contracts [member] | Forward rate agreements [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	196	276
Trading Derivatives [Member] | Interest rate contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	2,574	3,221
Trading Derivatives [Member] | Interest rate contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(2,341)	(3,129)
Trading Derivatives [Member] | Interest rate contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	11	(15)
Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	657	575	[1]
Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(528)	(448)	[1]
Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Forward Exchange Contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	2,054	1,216	[1]
Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	611	490	[1]
Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(1,090)	259	[1]
Trading Derivatives [Member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	(74)	286
Trading Derivatives [Member] | Commodity contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	644	850
Trading Derivatives [Member] | Commodity contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	(607)	(787)
Trading Derivatives [Member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	43	16
Trading Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	(11,479)	(6,770)
Trading Derivatives [Member] | Credit Contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	(9)	(5)
Trading Derivatives [Member] | Credit Contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	8	3
Hedging Derivatives [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - hedging derivatives	784	(1,055)	[2]
Hedging Derivatives [Member] | Interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Cash flow hedges - swaps	1,233	(3,091)	[3]
Fair value hedges - swaps	(125)	3,487	[3]
Total swaps	1,108	396	[3]
Hedging Derivatives [Member] | Foreign Exchange Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Fair value hedges	(2)	68
Cash flow hedges	(381)	(1,468)
Net investment hedges	(4)	(8)
Total foreign exchange contracts	(387)	(1,408)
Hedging Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	63	(43)
Hedging Derivatives [Member] | Equity contract [member] | Cash flow hedges [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	63	(43)
Gross assets [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Less: impact of master netting agreements	(31,576)	(26,674)
Total	15,677	13,302
Gross assets [member] | Fair value trading and hedging derivatives assets [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - trading and hedging derivatives	47,253	39,976
Gross assets [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	3,203	4,193
Gross assets [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Forward rate agreements [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	477	360
Gross assets [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	2,574	3,221
Gross assets [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	21	6
Gross assets [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	657	575	[1]
Gross assets [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Forward Exchange Contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	8,150	6,685	[1]
Gross assets [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	1,989	1,887	[1]
Gross assets [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	9,777	10,340	[1]
Gross assets [member] | Trading Derivatives [Member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	1,023	1,029
Gross assets [member] | Trading Derivatives [Member] | Commodity contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	644	850
Gross assets [member] | Trading Derivatives [Member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	160	143
Gross assets [member] | Trading Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	14,194	4,690
Gross assets [member] | Trading Derivatives [Member] | Fair value trading derivatives assets [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - trading derivatives	42,879	34,004
Gross assets [member] | Trading Derivatives [Member] | Credit Contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	1	13
Gross assets [member] | Trading Derivatives [Member] | Credit Contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	9	12
Gross assets [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Cash flow hedge in swaps asset [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	2,148	693	[3]
Gross assets [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Fair value hedge in swaps asset [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	1,464	4,877	[3]
Gross assets [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Assets swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total swaps	3,612	5,570	[3]
Gross assets [member] | Hedging Derivatives [Member] | Foreign Exchange Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	699	333
Total foreign exchange contracts	699	402
Fair value hedges		69
Gross assets [member] | Hedging Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	63
Gross assets [member] | Hedging Derivatives [Member] | Equity contract [member] | Cash flow hedges [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	63
Gross assets [member] | Hedging Derivatives [Member] | Fair value hedging derivatives assets [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - hedging derivatives	4,374	5,972	[2]
Gross Liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Less: impact of master netting agreements	31,576	26,674
Total	(26,727)	(23,519)
Gross Liabilities [member] | Fair value trading and hedging derivatives liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total	(58,303)	(50,193)
Gross Liabilities [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(5,707)	(9,393)
Gross Liabilities [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Forward rate agreements [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(281)	(84)
Gross Liabilities [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(2,341)	(3,129)
Gross Liabilities [member] | Trading Derivatives [Member] | Interest rate contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(10)	(21)
Gross Liabilities [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(528)	(448)	[1]
Gross Liabilities [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Forward Exchange Contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(6,096)	(5,469)	[1]
Gross Liabilities [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(1,378)	(1,397)	[1]
Gross Liabilities [member] | Trading Derivatives [Member] | Foreign Exchange Contracts [member] | Cross currency interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Foreign exchange contracts	(10,867)	(10,081)	[1]
Gross Liabilities [member] | Trading Derivatives [Member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	(1,097)	(743)
Gross Liabilities [member] | Trading Derivatives [Member] | Commodity contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	(607)	(787)
Gross Liabilities [member] | Trading Derivatives [Member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Commodity contracts	(117)	(127)
Gross Liabilities [member] | Trading Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts	(25,673)	(11,460)
Gross Liabilities [member] | Trading Derivatives [Member] | Fair value trading derivatives liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - trading derivatives	(54,713)	(43,166)
Gross Liabilities [member] | Trading Derivatives [Member] | Credit Contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	(10)	(18)
Gross Liabilities [member] | Trading Derivatives [Member] | Credit Contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Credit Contracts	(1)	(9)
Gross Liabilities [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Cash flow hedge in swaps liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(915)	(3,784)	[3]
Gross Liabilities [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Fair value hedge in swaps liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Interest rate contracts	(1,589)	(1,390)	[3]
Gross Liabilities [member] | Hedging Derivatives [Member] | Interest rate contracts [member] | Liabilities swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total swaps	(2,504)	(5,174)	[3]
Gross Liabilities [member] | Hedging Derivatives [Member] | Foreign Exchange Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Cash flow hedges	(1,080)	(1,801)
Fair value hedges	(2)	(1)
Total foreign exchange contracts	(1,086)	(1,810)
Net investment hedges	(4)	(8)
Gross Liabilities [member] | Hedging Derivatives [Member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts		(43)
Gross Liabilities [member] | Hedging Derivatives [Member] | Equity contract [member] | Cash flow hedges [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Equity contracts		(43)
Gross Liabilities [member] | Hedging Derivatives [Member] | Fair value hedging derivatives liabilities [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Total fair value - hedging derivatives	$ (3,590)	$ (7,027)	[2]
[1]Gold contracts are included in foreign exchange contracts.[2]The fair values of hedging derivatives wholly or partially offset the changes in fair values of the related on-balance sheet financial instruments.[3]Includes the fair value of bond futures in fair value hedges rounded down to $nil million as at October 31, 2024 ($nil million as at October 31, 2023).

Derivative Instruments - Sche_2

Derivative Instruments - Schedule of Fair Value of Derivative Instruments (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Hedging Derivatives [Member] | Interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Net fair value of bonds designated as fair value hedges	$ 0	$ 0

Derivative Instruments - Sche_3

Derivative Instruments - Schedule of Notional Amounts of Trading Derivatives (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		$ 25,192,367	$ 13,355,846
Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,855,607	1,460,001
Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,002,323	780,954
Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,751	4,035
Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	679,927	564,366
Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		155,533	125,144
Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		20,328	18,574
Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		36,071	35,285
Credit Contracts [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		39,561	26,937
Trading Derivatives [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		24,687,630	12,946,853
Trading Derivatives [Member] | Equity contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		471,160	304,801
Trading Derivatives [Member] | Interest rate swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		22,213,397	11,079,640
Trading Derivatives [Member] | Interest rate swap contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		390,490	167,264
Trading Derivatives [Member] | Interest rate swap contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		282,189	156,780
Trading Derivatives [Member] | Interest rate swap contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		16,390,827	9,254,984
Trading Derivatives [Member] | Interest rate swap contract [member] | Forward rate agreements [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		3,414,449	132,653
Trading Derivatives [Member] | Interest rate swap contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		1,735,442	1,367,959
Trading Derivatives [Member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,807,979	1,410,331
Trading Derivatives [Member] | Foreign exchange contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	80,148	52,994
Trading Derivatives [Member] | Foreign exchange contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	91,458	57,652
Trading Derivatives [Member] | Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,751	4,035
Trading Derivatives [Member] | Foreign exchange contracts [member] | Cross currency swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	64,100	54,169
Trading Derivatives [Member] | Foreign exchange contracts [member] | Cross currency interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	891,272	677,765
Trading Derivatives [Member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	679,250	563,716
Trading Derivatives [Member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		155,533	125,144
Trading Derivatives [Member] | Commodity contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		49,426	35,716
Trading Derivatives [Member] | Commodity contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		49,708	35,569
Trading Derivatives [Member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		20,328	18,574
Trading Derivatives [Member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		36,071	35,285
Trading Derivatives [Member] | Credit Contracts [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		39,561	26,937
Trading Derivatives [Member] | Credit Contracts [Member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		23,350	16,927
Trading Derivatives [Member] | Credit Contracts [Member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		16,211	10,010
Trading Derivatives [Member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		2,365,845	1,737,792
Trading Derivatives [Member] | Exchange Traded [Member] | Equity contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		333,126	189,112
Trading Derivatives [Member] | Exchange Traded [Member] | Interest rate swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		1,898,706	1,443,479
Trading Derivatives [Member] | Exchange Traded [Member] | Interest rate swap contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		136,796	37,264
Trading Derivatives [Member] | Exchange Traded [Member] | Interest rate swap contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		26,468	38,256
Trading Derivatives [Member] | Exchange Traded [Member] | Interest rate swap contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		1,735,442	1,367,959
Trading Derivatives [Member] | Exchange Traded [Member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	8,571	8,168
Trading Derivatives [Member] | Exchange Traded [Member] | Foreign exchange contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	3,572	1,851
Trading Derivatives [Member] | Exchange Traded [Member] | Foreign exchange contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	3,248	2,282
Trading Derivatives [Member] | Exchange Traded [Member] | Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,751	4,035
Trading Derivatives [Member] | Exchange Traded [Member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		125,442	97,033
Trading Derivatives [Member] | Exchange Traded [Member] | Commodity contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		43,931	30,397
Trading Derivatives [Member] | Exchange Traded [Member] | Commodity contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		45,440	31,351
Trading Derivatives [Member] | Exchange Traded [Member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		36,071	35,285
Trading Derivatives [Member] | Over the Counter [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		22,321,785	11,209,061
Trading Derivatives [Member] | Over the Counter [member] | Equity contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		138,034	115,689
Trading Derivatives [Member] | Over the Counter [member] | Interest rate swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		20,314,691	9,636,161
Trading Derivatives [Member] | Over the Counter [member] | Interest rate swap contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		253,694	130,000
Trading Derivatives [Member] | Over the Counter [member] | Interest rate swap contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		255,721	118,524
Trading Derivatives [Member] | Over the Counter [member] | Interest rate swap contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		16,390,827	9,254,984
Trading Derivatives [Member] | Over the Counter [member] | Interest rate swap contract [member] | Forward rate agreements [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		3,414,449	132,653
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	1,799,408	1,402,163
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	76,576	51,143
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	88,210	55,370
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member] | Cross currency swaps [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	64,100	54,169
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member] | Cross currency interest rate contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	891,272	677,765
Trading Derivatives [Member] | Over the Counter [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount	[1]	679,250	563,716
Trading Derivatives [Member] | Over the Counter [member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		30,091	28,111
Trading Derivatives [Member] | Over the Counter [member] | Commodity contract [member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		5,495	5,319
Trading Derivatives [Member] | Over the Counter [member] | Commodity contract [member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		4,268	4,218
Trading Derivatives [Member] | Over the Counter [member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		20,328	18,574
Trading Derivatives [Member] | Over the Counter [member] | Credit Contracts [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		39,561	26,937
Trading Derivatives [Member] | Over the Counter [member] | Credit Contracts [Member] | Purchased options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		23,350	16,927
Trading Derivatives [Member] | Over the Counter [member] | Credit Contracts [Member] | Written options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Notional amount		$ 16,211	$ 10,010
[1]Gold contracts are included in foreign exchange contracts.

Derivative Instruments - Sche_4

Derivative Instruments - Schedule of Notional Amount and Average Rates of Derivatives and the Carrying Amount of Deposits Designated as Hedging Instruments, by Term to Maturity (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)	Oct. 31, 2023 CAD ($)
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 25,192,367	$ 13,355,846
Carrying amount	47,253	39,976
Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	13,607,139
1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	5,704,543
3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	2,751,407
5 to 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	2,199,484
Over 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	929,794
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 266,872	$ 186,679
Average interest rate	0.0375	0.042
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 62,887
Average interest rate	0.0459
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 99,368
Average interest rate	0.0338
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 64,333
Average interest rate	0.0354
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 5 to 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 34,402
Average interest rate	0.0363
Cash flow hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | Over 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 5,882
Average interest rate	0.0379
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 40,933	$ 43,622
Average interest rate	0.0314	0.0277
Average exchange rate	1.3252	1.3218
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 4,256
Average interest rate	0.0196
Average exchange rate	1.2589
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 21,186
Average interest rate	0.0338
Average exchange rate	1.3197
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member] | 3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 14,229
Average interest rate	0.0324
Average exchange rate	1.3532
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member] | 5 to 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 1,011
Average interest rate	0.0175
Average exchange rate	1.3266
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-USD pair [member] | Over 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 251
Average interest rate	0.0302
Average exchange rate	1.3122
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-EUR pair [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 17,399	$ 16,386
Average interest rate	0.0347	0.0315
Average exchange rate	1.4293	1.4352
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-EUR pair [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 717
Average interest rate	0.054
Average exchange rate	1.4345
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-EUR pair [member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 13,171
Average interest rate	0.0344
Average exchange rate	1.4177
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-EUR pair [member] | 3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 3,310
Average interest rate	0.0321
Average exchange rate	1.4711
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-EUR pair [member] | Over 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 201
Average interest rate	0.0297
Average exchange rate	1.487
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | Other currency pairs [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 9,927	$ 9,787
Average interest rate	0.0326	0.0299
Average exchange rate	1.5391	1.5221
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | Other currency pairs [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 923
Average interest rate	0.0254
Average exchange rate	1.4539
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | Other currency pairs [member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 6,548
Average interest rate	0.0298
Average exchange rate	1.6847
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | Other currency pairs [member] | 3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 2,219
Average interest rate	0.0422
Average exchange rate	1.2748
Cash flow hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | Other currency pairs [member] | 5 to 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 237
Average interest rate	0.0483
Average exchange rate	0.3257
Cash flow hedges [member] | Equity price risk [member] | Total Return Swaps [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 480	$ 451
Cash flow hedges [member] | Equity price risk [member] | Total Return Swaps [Member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	20
Cash flow hedges [member] | Equity price risk [member] | Total Return Swaps [Member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	460
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 188,278	$ 169,368
Average interest rate	0.0399	0.0391
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 51,525
Average interest rate	0.0453
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 1 to 3 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 42,933
Average interest rate	0.0394
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 3 to 5 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 56,909
Average interest rate	0.0371
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | 5 to 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 33,010
Average interest rate	0.0374
Fair Value Hedges [member] | Interest rate risk [member] | Interest rate swaps [Member] | Over 10 years [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 3,901
Average interest rate	0.038
Fair Value Hedges [member] | Interest rate risk [member] | Bond futures (exchange-traded derivatives) [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 1,479	$ 2,825
Average interest rate	108	105
Fair Value Hedges [member] | Interest rate risk [member] | Bond futures (exchange-traded derivatives) [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 1,479
Average interest rate	108
Fair Value Hedges [member] | Foreign exchange risk [member] | USD-JPY pair [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount		$ 476
Average interest rate		(0.0008)
Average exchange rate		0.0076
Fair Value Hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | USD-EUR pair [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 21	$ 21
Average interest rate	0.0325	0.0325
Average exchange rate	0.9706	0.9706
Fair Value Hedges [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | USD-EUR pair [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 21
Average interest rate	0.0325
Average exchange rate	0.9706
Hedges of net investment in foreign operations [member] | USD denominated deposit [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount	$ 16,053
Hedges of net investment in foreign operations [member] | GBP denominated deposit [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount	300
Hedges of net investment in foreign operations [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-CNH pair [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount		$ 650
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | USD denominated deposit [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount		13,154
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | USD denominated deposit [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount	16,053
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | GBP denominated deposit [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount		$ 157
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | GBP denominated deposit [member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount	300
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-CNH pair [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	677
Hedges of net investment in foreign operations [member] | Foreign exchange risk [member] | Cross currency swaps and foreign exchange forwards [member] | CAD-CNH pair [Member] | Within 1 year [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 677

Derivative Instruments - Sche_5

Derivative Instruments - Schedule of Notional Amount and Average Rates of Derivatives and the Carrying Amount of Deposits Designated as Hedging Instruments, by Term to Maturity (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2023	Oct. 31, 2024
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 13,355,846	$ 25,192,367
Interest rate swaps [Member] | Interest rate risk [member] | Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	186,679	266,872
Interest rate swaps [Member] | Interest rate risk [member] | Fair Value Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	169,368	188,278
CDOR [member] | Interest rate swaps [Member] | Equity price risk [member] | Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 451
Interest rates swaps maturity period	Jun. 28, 2024
CDOR [member] | Interest rate swaps [Member] | Interest rate risk [member] | Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 21,718	$ 0
Interest rates swaps maturity period	Jun. 28, 2024
CDOR [member] | Interest rate swaps [Member] | Interest rate risk [member] | Fair Value Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 22,328
Interest rates swaps maturity period	Jun. 28, 2024
CDOR [member] | Cross currency swaps and foreign exchange forwards [member] | Foreign exchange risk [member] | Fair Value Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 0
Interest rates swaps maturity period	Jun. 28, 2024
CDOR [member] | Cross currency swaps and foreign exchange forwards [member] | Interest rate risk [member] | Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Notional amount	$ 0
Interest rates swaps maturity period	Jun. 28, 2024

Derivative Instruments - Cash F

Derivative Instruments - Cash Flow Hedges and Net Investment Hedges Information Related To Items Designated As Hedging Instruments, Hedged Items and Hedge Ineffectiveness (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Asset		$ 2,910	$ 1,026
Carrying amount of hedging instruments, Liability	[1]	(1,995)	(5,628)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	3,466	(1,868)
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	(3,529)	1,836
Ineffectiveness recorded in non-interest revenue - other		(12)
Net Investment Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Asset		2,910	1,026
Carrying amount of hedging instruments, Liability	[1]	(18,352)	(18,947)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	3,324	(2,330)
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	(3,391)	2,299
Ineffectiveness recorded in non-interest revenue - other		(16)	1
Interest rate risk [member] | Cash Flow Hedges [member] | Interest rate swap contract [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Asset		2,148	693
Carrying amount of hedging instruments, Liability	[1]	(915)	(3,784)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	3,552	(1,543)
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	(3,615)	1,511
Ineffectiveness recorded in non-interest revenue - other		(12)
Foreign exchange risk [member] | Cash Flow Hedges [member] | Cross currency swap [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Asset		699	333	[3]
Carrying amount of hedging instruments, Liability	[1]	(1,080)	(1,801)	[3]
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	(251)	(245)	[3]
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	251	245	[3]
Foreign exchange risk [member] | Net Investment Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Liability	[1]	(16,353)	(13,311)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	(119)	(485)
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	119	485
Foreign exchange risk [member] | Net Investment Hedges [member] | Cross currency swap [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Liability	[1]	(4)	(8)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	(23)	23
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	19	(22)
Ineffectiveness recorded in non-interest revenue - other		(4)	1
Equity price risk [member] | Cash Flow Hedges [member] | Total Return Swaps [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging instruments, Asset		63
Carrying amount of hedging instruments, Liability	[1]		(43)
Gains (losses) on hedging derivatives used to calculate hedge ineffectiveness	[2]	165	(80)
Hedge ineffectiveness Gains (losses) on hypothetical derivatives used to calculate hedge ineffectiveness	[2]	$ (165)	$ 80
[1]Represents unrealized gains (losses) recorded as part of derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet.[2]Represents life to date amounts.[3]Includes derivatives entered into in relation to our acquisition of Bank of the West and its subsidiaries, which were settled upon completion of the transaction. Refer to Note 10 for further details.

Derivative Instruments - Cash_2

Derivative Instruments - Cash Flow Hedges and Net Investment Hedges Reconciliation Related To Impacts on Consolidated Statement of Other Comprehensive Income, On a Pre-Tax Basis (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024		Oct. 31, 2023
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		$ 1,862
Ending Balance		5,419		$ 1,862
Cash Flow Hedges [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		(7,477)	[1],[2]	(6,948)
Gains / (losses) recognized in OCI		3,478		(1,868)
Amount reclassified to net income/goodwill as the hedged item affects net income/goodwill		1,953		1,339
Ending Balance	[1],[2]	(2,046)		(7,477)
Active hedges		2,129		(2,182)
Discontinued hedges		(4,175)		(5,295)
Cash Flow Hedges [member] | Interest rate risk [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		(8,015)	[1],[2]	(8,204)
Gains / (losses) recognized in OCI		3,564		(1,543)
Amount reclassified to net income/goodwill as the hedged item affects net income/goodwill		1,971		1,732
Ending Balance	[1],[2]	(2,480)		(8,015)
Active hedges		1,695		(2,720)
Discontinued hedges		(4,175)		(5,295)
Cash Flow Hedges [member] | Foreign exchange risk [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance	[3]	610	[1],[2]	1,223
Gains / (losses) recognized in OCI		(251)		(245)	[3]
Amount reclassified to net income/goodwill as the hedged item affects net income/goodwill		(2)		(368)	[3]
Ending Balance	[1],[2]	357		610	[3]
Active hedges		357		610	[3]
Cash Flow Hedges [member] | Equity price risk [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		(72)	[1],[2]	33
Gains / (losses) recognized in OCI		165		(80)
Amount reclassified to net income/goodwill as the hedged item affects net income/goodwill		(16)		(25)
Ending Balance	[1],[2]	77		(72)
Active hedges		77		(72)
Net Investment Hedges [member] | Foreign exchange risk [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		(2,186)	[1],[2]	(1,723)
Gains / (losses) recognized in OCI		(138)		(463)
Ending Balance	[1],[2]	(2,324)		(2,186)
Active hedges		(2,324)		(2,186)
Hedged item [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Beginning Balance		(9,663)	[1],[2]	(8,671)
Gains / (losses) recognized in OCI		3,340		(2,331)
Amount reclassified to net income/goodwill as the hedged item affects net income/goodwill		1,953		1,339
Ending Balance	[1],[2]	(4,370)		(9,663)
Active hedges		(195)		(4,368)
Discontinued hedges		$ (4,175)		$ (5,295)
[1]Tax balance related to cash flow hedges accumulated other comprehensive income was $527 million as at October 31, 2024 ($2,029 million as at October 31, 2023).[2]Tax balance related to net investment hedges accumulated other comprehensive income was $593 million as at October 31, 2024 ($555 million as at October 31, 2023).[3]On closing our acquisition of Bank of the West on February 1, 2023, we settled the foreign exchange forward contracts entered to mitigate foreign exchange risk of the purchase price of Bank of the West and reclassified an after-tax gain of $269 million to goodwill. Refer to Note 10 for further details.

Derivative Instruments - Cash_3

Derivative Instruments - Cash Flow Hedges and Net Investment Hedges Reconciliation Related To Impacts on Consolidated Statement of Other Comprehensive Income, On a Pre-Tax Basis (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023	Feb. 01, 2023
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Cash flow Hedge AOCI, tax	$ 527	$ 2,029
Net investment hedge AOCI,tax	$ 593	$ 555
Cash flow hedges [member] | BOTW Acquisition [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Goodwill recognised as of acquisition date			$ 269

Derivative Instruments - Deriva

Derivative Instruments - Derivatives Designated As Fair Value Hedging Instruments, Hedged Items and Hedge Ineffectiveness (Detail) - Fair Value Hedges [member] - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	[1]	Oct. 31, 2023
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging derivatives Asset	[2]	$ 1,464		$ 4,946	[3]
Carrying amount of hedging derivatives liabilities	[2]	(1,591)		(1,391)	[3]
Gains (Losses) on hedging derivatives used to calculate hedge ineffectiveness		(2,032)		2,993	[3]
Hedge ineffectiveness Gains (Losses) on hedged item used to calculate hedge ineffectiveness		1,900		(2,816)	[3]
Ineffectiveness recorded in non-interest revenue - other		(132)		177	[3]
Carrying amount of the hedged item	[4]	53,241		9,685	[3]
Active hedges		527		(3,358)	[3]
Discontinued hedges		(363)		1,463	[3]
Interest rate swap contract [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging derivatives Asset	[2]	1,464		4,877	[3]
Carrying amount of hedging derivatives liabilities	[2]	(1,589)		(1,390)	[3]
Cross Currency Swaps [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Carrying amount of hedging derivatives Asset	[2],[3]			69
Carrying amount of hedging derivatives liabilities	[2]	(2)		(1)	[3]
Securities and loans [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Gains (Losses) on hedging derivatives used to calculate hedge ineffectiveness		(3,266)		4,071	[3]
Hedge ineffectiveness Gains (Losses) on hedged item used to calculate hedge ineffectiveness		3,117		(3,955)	[3]
Ineffectiveness recorded in non-interest revenue - other		(149)		116	[3]
Carrying amount of the hedged item	[4]	118,397		87,043	[3]
Active hedges		741		(4,373)	[3]
Discontinued hedges		(1,293)		(404)	[3]
Deposits and subordinated debt [member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Gains (Losses) on hedging derivatives used to calculate hedge ineffectiveness		1,234		(1,078)	[3]
Hedge ineffectiveness Gains (Losses) on hedged item used to calculate hedge ineffectiveness		(1,217)		1,139	[3]
Ineffectiveness recorded in non-interest revenue - other		17		61	[3]
Carrying amount of the hedged item	[4]	(65,156)		(77,358)	[3]
Active hedges		(214)		1,015	[3]
Discontinued hedges		$ 930		$ 1,867	[3]
[1]Includes the fair value of bond futures rounded down to $nil million as at October 31, 2024.[2]Represents the unrealized gains (losses) within derivative instruments in assets and liabilities, respectively, in our Consolidated Balance Sheet.[3]Includes the fair value of bond futures rounded down to $nil million as at October 31, 2023.[4]Represents the carrying value in our Consolidated Balance Sheet and includes amortized cost, before ACL, plus fair value hedge adjustments, except for FVOCI securities that are carried at fair value.

Derivative Instruments - Deri_2

Derivative Instruments - Derivatives Designated As Fair Value Hedging Instruments, Hedged Items and Hedge Ineffectiveness (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Bond Futures [Member]
Disclosure of information about terms and conditions of hedging instruments and how they affect future cash flows [line items]
Net fair value of bonds designated as fair value hedges	$ 0	$ 0

Derivative Instruments - Sche_6

Derivative Instruments - Schedule of Derivative-Related Credit Risk (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost	[1]	$ 10,129	$ 10,295
Derivative credit risk equivalents	[1]	46,577	42,410
Derivative credit risk weighted assets		7,819	8,236
Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	3,228	2,056
Derivative credit risk equivalents before master netting agreements	[1]	11,341	7,966
Derivative credit risk weighted assets before master netting agreements		1,997	1,621
Interest rate contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	3,098	1,882
Derivative credit risk equivalents before master netting agreements	[1]	11,042	7,666
Derivative credit risk weighted assets before master netting agreements		1,991	1,615
Interest rate contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	130	174
Derivative credit risk equivalents before master netting agreements	[1]	299	300
Derivative credit risk weighted assets before master netting agreements		6	6
Interest rate contract [member] | Written put options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	2	1
Derivative credit risk equivalents before master netting agreements	[1]	211	140
Derivative credit risk weighted assets before master netting agreements		78	77
Interest rate contract [member] | Written put options [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative credit risk equivalents before master netting agreements	[1]	1
Interest rate contract [member] | Futures contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	122	171
Derivative credit risk equivalents before master netting agreements	[1]	279	296
Derivative credit risk weighted assets before master netting agreements		6	6
Interest rate contract [member] | Swap contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	2,404	1,265
Derivative credit risk equivalents before master netting agreements	[1]	7,797	5,133
Derivative credit risk weighted assets before master netting agreements		1,125	1,006
Interest rate contract [member] | Forward rate agreements [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	650	571
Derivative credit risk equivalents before master netting agreements	[1]	2,696	2,219
Derivative credit risk weighted assets before master netting agreements		600	471
Interest rate contract [member] | Purchased options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	42	45
Derivative credit risk equivalents before master netting agreements	[1]	338	174
Derivative credit risk weighted assets before master netting agreements		188	61
Interest rate contract [member] | Purchased options [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	8	3
Derivative credit risk equivalents before master netting agreements	[1]	19	4
Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	4,411	4,375
Derivative credit risk equivalents before master netting agreements	[1]	17,431	16,387
Derivative credit risk weighted assets before master netting agreements		2,758	3,389
Foreign exchange contracts [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1],[2]	4,411	4,372
Derivative credit risk equivalents before master netting agreements	[1],[2]	17,427	16,379
Derivative credit risk weighted assets before master netting agreements	[2]	2,758	3,389
Foreign exchange contracts [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]		3
Derivative credit risk equivalents before master netting agreements	[1]	4	8
Foreign exchange contracts [member] | Written put options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1],[2]	1	2
Derivative credit risk equivalents before master netting agreements	[1],[2]	119	118
Derivative credit risk weighted assets before master netting agreements	[2]	27	39
Foreign exchange contracts [member] | Futures contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative credit risk equivalents before master netting agreements	[1]	1
Foreign exchange contracts [member] | Swap contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1],[2]	1,559	1,921
Derivative credit risk equivalents before master netting agreements	[1],[2]	7,218	6,517
Derivative credit risk weighted assets before master netting agreements	[2]	825	1,313
Foreign exchange contracts [member] | Forward rate agreements [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1],[2]	2,709	2,300
Derivative credit risk equivalents before master netting agreements	[1],[2]	9,643	9,296
Derivative credit risk weighted assets before master netting agreements	[2]	1,764	1,908
Foreign exchange contracts [member] | Purchased options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1],[2]	142	149
Derivative credit risk equivalents before master netting agreements	[1],[2]	447	448
Derivative credit risk weighted assets before master netting agreements	[2]	142	129
Foreign exchange contracts [member] | Purchased options [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]		3
Derivative credit risk equivalents before master netting agreements	[1]	3	8
Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	1,513	1,094
Derivative credit risk equivalents before master netting agreements	[1]	5,972	4,055
Derivative credit risk weighted assets before master netting agreements		1,322	929
Commodity contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	1,158	519
Derivative credit risk equivalents before master netting agreements	[1]	4,986	2,568
Derivative credit risk weighted assets before master netting agreements		1,303	899
Commodity contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	355	575
Derivative credit risk equivalents before master netting agreements	[1]	986	1,487
Derivative credit risk weighted assets before master netting agreements		19	30
Commodity contract [member] | Written put options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	10	47
Derivative credit risk equivalents before master netting agreements	[1]	246	331
Derivative credit risk weighted assets before master netting agreements		86	106
Commodity contract [member] | Written put options [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]		3
Derivative credit risk equivalents before master netting agreements	[1]	73	83
Derivative credit risk weighted assets before master netting agreements		1	2
Commodity contract [member] | Futures contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	176	243
Derivative credit risk equivalents before master netting agreements	[1]	594	869
Derivative credit risk weighted assets before master netting agreements		12	17
Commodity contract [member] | Swap contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	993	468
Derivative credit risk equivalents before master netting agreements	[1]	4,256	1,957
Derivative credit risk weighted assets before master netting agreements		1,035	683
Commodity contract [member] | Purchased options [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	155	4
Derivative credit risk equivalents before master netting agreements	[1]	484	280
Derivative credit risk weighted assets before master netting agreements		182	110
Commodity contract [member] | Purchased options [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	179	329
Derivative credit risk equivalents before master netting agreements	[1]	319	535
Derivative credit risk weighted assets before master netting agreements		6	11
Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	874	2,324
Derivative credit risk equivalents before master netting agreements	[1]	11,524	12,909
Derivative credit risk weighted assets before master netting agreements		1,703	2,216
Equity contract [member] | Over the Counter1 [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	199	684
Derivative credit risk equivalents before master netting agreements	[1]	8,625	8,274
Derivative credit risk weighted assets before master netting agreements		1,645	2,123
Equity contract [member] | Exchange Traded [Member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	675	1,640
Derivative credit risk equivalents before master netting agreements	[1]	2,899	4,635
Derivative credit risk weighted assets before master netting agreements		58	93
Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative replacement cost before master netting agreements	[1]	103	446
Derivative credit risk equivalents before master netting agreements	[1]	309	1,093
Derivative credit risk weighted assets before master netting agreements		$ 39	$ 81
[1]Replacement cost and credit risk equivalent are presented after the impact of master netting agreements and calculated using the Standardized Approach for Counterparty Credit Risk (SA-CCR) in accordance with the CAR Guideline issued by OSFI. The table therefore excludes loan commitment derivatives.[2]Gold contracts are included in foreign exchange contracts.

Derivative Instruments - Sche_7

Derivative Instruments - Schedule of Remaining Contractual Terms to Maturity for Notional Amounts of Derivative Contracts (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		$ 25,192,367	$ 13,355,846
Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		22,670,026	11,438,512
Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		16,845,977	9,611,030
Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		5,824,049	1,827,482
Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,855,607	1,460,001
Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,002,323	780,954
Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	679,927	564,366
Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,751	4,035
Foreign exchange contracts [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	171,606	110,646
Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		155,533	125,144
Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		20,328	18,574
Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		36,071	35,285
Commodity contract [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		99,134	71,285
Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		471,640	305,252
Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		39,561	$ 26,937
Within 1 year [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		13,607,139
Within 1 year [member] | Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		12,101,857
Within 1 year [member] | Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		8,085,307
Within 1 year [member] | Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		4,016,550
Within 1 year [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,027,639
Within 1 year [member] | Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	222,003
Within 1 year [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	651,037
Within 1 year [member] | Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,735
Within 1 year [member] | Foreign exchange contracts [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	152,864
Within 1 year [member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		81,563
Within 1 year [member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		13,781
Within 1 year [member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		20,226
Within 1 year [member] | Commodity contract [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		47,556
Within 1 year [member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		394,847
Within 1 year [member] | Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		1,233
1 to 3 years [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		5,704,543
1 to 3 years [member] | Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		5,167,702
1 to 3 years [member] | Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		3,515,046
1 to 3 years [member] | Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		1,652,656
1 to 3 years [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	398,785
1 to 3 years [member] | Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	359,299
1 to 3 years [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	21,566
1 to 3 years [member] | Foreign exchange contracts [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	16
1 to 3 years [member] | Foreign exchange contracts [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	17,904
1 to 3 years [member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		71,272
1 to 3 years [member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		5,593
1 to 3 years [member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		14,393
1 to 3 years [member] | Commodity contract [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		51,286
1 to 3 years [member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		61,511
1 to 3 years [member] | Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		5,273
3 to 5 years [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,751,407
3 to 5 years [member] | Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,499,012
3 to 5 years [member] | Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,371,050
3 to 5 years [member] | Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		127,962
3 to 5 years [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	214,265
3 to 5 years [member] | Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	211,093
3 to 5 years [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	2,334
3 to 5 years [member] | Foreign exchange contracts [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	838
3 to 5 years [member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,082
3 to 5 years [member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		597
3 to 5 years [member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		1,292
3 to 5 years [member] | Commodity contract [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		193
3 to 5 years [member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		12,809
3 to 5 years [member] | Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		23,239
5 to 10 years [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,199,484
5 to 10 years [member] | Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,036,834
5 to 10 years [member] | Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		2,013,819
5 to 10 years [member] | Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		23,015
5 to 10 years [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	151,785
5 to 10 years [member] | Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	149,931
5 to 10 years [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	1,854
5 to 10 years [member] | Commodity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		616
5 to 10 years [member] | Commodity contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		357
5 to 10 years [member] | Commodity contract [member] | Futures contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		160
5 to 10 years [member] | Commodity contract [member] | Option contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		99
5 to 10 years [member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		1,738
5 to 10 years [member] | Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		8,511
Over 10 years [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		929,794
Over 10 years [member] | Interest rate contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		864,621
Over 10 years [member] | Interest rate contract [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		860,755
Over 10 years [member] | Interest rate contract [member] | Forward rate agreements futures and options [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		3,866
Over 10 years [member] | Foreign exchange contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	63,133
Over 10 years [member] | Foreign exchange contracts [member] | Swap contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	59,997
Over 10 years [member] | Foreign exchange contracts [member] | Forward contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount	[1]	3,136
Over 10 years [member] | Equity contract [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		735
Over 10 years [member] | Credit Contracts [member]
Disclosure Of Derivative Financial Instruments [Line Items]
Derivative notional amount		$ 1,305
[1]Gold contracts are included in foreign exchange contracts.

Premises and Equipment - Summar

Premises and Equipment - Summary of Maximum Estimated Useful Lives to Amortize Assets (Detail)	12 Months Ended
	Oct. 31, 2024
Buildings [member] | Bottom of range [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	10 years
Buildings [member] | Top of range [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	40 years
Computer equipment and operating system software [member] | Bottom of range [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	5 years
Computer equipment and operating system software [member] | Top of range [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	7 years
Office equipment [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	10 years
Leasehold improvements [member]
Disclosure Of Property Plant And Equipment Estimated Useful Life [Line Items]
Estimated useful lives of assets	Lease term to a maximum of 10 years

Premises and Equipment - Additi

Premises and Equipment - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Right-of-use assets [member]
Disclosure of detailed information about property, plant and equipment [line items]
Impairment loss, property, plant and equipment	$ 1	$ 40

Premises and Equipment - Summ_2

Premises and Equipment - Summary of Premises and Equipment (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		$ 6,241
Ending balance		6,249	$ 6,241
Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		13,123	10,912
Additions/lease modifications		991	1,328
Acquisitions			1,112
Disposals		(107)	(350)
Fully depreciated assets		(1,150)
Foreign exchange and other		29	121
Ending balance		12,886	13,123
Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(6,882)	(6,071)
Disposals		70	304
Depreciation		970	1,022
Fully depreciated assets		(1,150)
Foreign exchange and other	[1]	5	93
Ending balance		(6,637)	(6,882)
Land [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		323
Ending balance		317	323
Land [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		323	119
Additions/lease modifications			13
Acquisitions			213
Disposals		(7)	(28)
Foreign exchange and other		1	6
Ending balance		317	323
Buildings [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		809
Ending balance		817	809
Buildings [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		2,047	1,688
Additions/lease modifications		81	91
Acquisitions			276
Disposals		(41)	(26)
Fully depreciated assets		(32)
Foreign exchange and other		4	18
Ending balance		2,059	2,047
Buildings [member] | Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(1,238)	(1,188)
Disposals		29	25
Depreciation		64	70
Fully depreciated assets		(32)
Foreign exchange and other	[1]	1	5
Ending balance		(1,242)	(1,238)
Computer equipment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		695
Ending balance		701	695
Computer equipment [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		2,923	2,671
Additions/lease modifications		270	280
Acquisitions			63
Disposals		(22)	(109)
Fully depreciated assets		(694)
Foreign exchange and other		3	18
Ending balance		2,480	2,923
Computer equipment [member] | Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(2,228)	(2,007)
Disposals		12	106
Depreciation		261	306
Fully depreciated assets		(694)
Foreign exchange and other	[1]	(4)	21
Ending balance		(1,779)	(2,228)
Other equipment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		356
Ending balance		402	356
Other equipment [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		1,060	945
Additions/lease modifications		117	125
Acquisitions			12
Disposals		(11)	(30)
Fully depreciated assets		(257)
Foreign exchange and other		2	8
Ending balance		911	1,060
Other equipment [member] | Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(704)	(667)
Disposals		8	29
Depreciation		76	65
Fully depreciated assets		(257)
Foreign exchange and other	[1]	(6)	1
Ending balance		(509)	(704)
Leasehold improvements [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		1,057
Ending balance		1,239	1,057
Leasehold improvements [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		2,413	2,054
Additions/lease modifications		352	413
Acquisitions			25
Disposals		(26)	(97)
Fully depreciated assets		(71)
Foreign exchange and other		7	18
Ending balance		2,675	2,413
Leasehold improvements [member] | Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(1,356)	(1,270)
Disposals		21	94
Depreciation		167	169
Fully depreciated assets		(71)
Foreign exchange and other	[1]	5	11
Ending balance		(1,436)	(1,356)
Right-of-use assets [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		3,001
Ending balance		2,773	3,001
Right-of-use assets [member] | Gross carrying amount [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		4,357	3,435
Additions/lease modifications		171	406
Acquisitions			523
Disposals			(60)
Fully depreciated assets		(96)
Foreign exchange and other		12	53
Ending balance		4,444	4,357
Right-of-use assets [member] | Accumulated depreciation and impairment [member]
Disclosure of detailed information about property, plant and equipment [line items]
Beginning balance		(1,356)	(939)
Disposals			50
Depreciation		402	412
Fully depreciated assets		(96)
Foreign exchange and other	[1]	9	55
Ending balance		$ (1,671)	$ (1,356)
[1]Includes impairment charges.

Acquisitions - Additional Infor

Acquisitions - Additional Information (Detail) shares in Millions, $ in Millions, $ in Millions				9 Months Ended	12 Months Ended
	Jun. 01, 2023 CAD ($)	Feb. 01, 2023 CAD ($)	Dec. 01, 2022 CAD ($) shares	Oct. 31, 2023 CAD ($)	Oct. 31, 2024	Oct. 31, 2023 CAD ($)	Jun. 01, 2023 USD ($)	Feb. 01, 2023 USD ($)	Dec. 20, 2021
Top of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortisation of intangible assets					15 years
Bank Of The West [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Consideration paid		$ 18,400						$ 13,800
Pay fixed receive float interest rate swaps mark to market gain		$ 269
Business combination proforma profit loss of acquiree				$ 4,500
Business combination proforma revenue of acquiree				32,000
Business combination acquisition related costs incurred after tax				1,342
Business combination initial provision for credit losses after taxes incurred				517
Business combination acquistion related costs incurred before tax				1,792
Business combination initial provision for credit losses before taxes incurred				705
Profit or loss of acquiree				361
Revenue of acquiree				$ 3,143
Amortisation of intangible assets		15 years
Business combination goodwill recognized as of acquisition date		$ 10,582
Business combination identifiable intangible assets recognized as of acquisition date		$ 2,883
Bank Of The West [Member] | Revised Pay Fixed Receive Floating Interest Rate Swaps [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Pay fixed receive float interest rate swaps mark to market gain						$ (5,700)
CLAAS Financial Services [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Percentage of voting equity interests acquired									51%
Radicle [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Consideration paid			$ 195
Acquired goodwill			85
Acquired intangible assets			60
Consideration in cash			$ 42
Number of shares issued | shares			1.2
Number of shares issued, Value			$ 153
Radicle [Member] | Bottom of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortisation of intangible assets			3 years
Radicle [Member] | Top of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortisation of intangible assets			15 years
Air Miles [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Acquisition of business, net consideration	$ 213						$ 157
Consideration paid	213
Business combination goodwill recognized as of acquisition date	233
Business combination identifiable intangible assets recognized as of acquisition date	$ 151
Air Miles [Member] | Bottom of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortisation of intangible assets	5 years
Air Miles [Member] | Top of range [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Amortisation of intangible assets	14 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 Billions	Jun. 01, 2023 CAD ($)	Feb. 01, 2023 CAD ($)	Feb. 01, 2023 USD ($)	Dec. 01, 2022 CAD ($)
AIR MILES [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Securities	$ 668
Goodwill and intangible assets	384
Other assets	141
Deferred revenue	916
Intangible assets	151
Total fair value of identifiable assets acquired	1,193
Purchase price	213
Fair value of identifiable liabilities assumed
Other liabilities	64
Total fair value of identifiable liabilities assumed	980
Goodwill	$ 233
Bank Of The West [Member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Securities		$ 28,437
Purchase consideration		18,382
Impact of forward contracts		(269)
Net purchase consideration		18,113
Residential mortgages		11,912
Consumer instalment and other personal		20,268
Credit card		885
Business and government		43,418
Total loans		76,483
Other assets		9,152
Intangible assets		2,883
Total fair value of identifiable assets acquired		116,955
Purchase price		18,400	$ 13.8
Fair value of identifiable liabilities assumed
Deposits		91,711
Other liabilities		17,697
Total fair value of identifiable liabilities assumed		109,408
Non-controlling interest		16
Goodwill		10,582
Net purchase consideration		$ 18,113
Radicle [member]
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Goodwill and intangible assets				$ 145
Other assets				85
Total fair value of identifiable assets acquired				230
Purchase price				195
Fair value of identifiable liabilities assumed
Total fair value of identifiable liabilities assumed				$ 35

Acquisitions - Summary of Fair

Acquisitions - Summary of Fair Value of Assets Acquired and Liabilities Assumed at The Date of Acquisition (Parenthetical) (Detail) - Bank Of The West [Member] $ in Millions	Feb. 01, 2023 CAD ($)
Disclosure of business acquisitions by acquisition assets acquired and liabilities assumed [line items]
Deferred tax liability (asset)	$ 1,273
Change in fair value of forward contracts	$ 269

Goodwill and Intangible Asset_2

Goodwill and Intangible Assets - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about intangible assets [line items]
Intangible assets with indefinite lives	$ 228	$ 227
Cash-generating units [member]
Disclosure of detailed information about intangible assets [line items]
Cash flow projection period	10 years
Terminal growth rate	2%	2%
Bottom of range [member] | Cash-generating units [member]
Disclosure of detailed information about intangible assets [line items]
Discount rates for determine the recoverable amount	9.80%	8.90%
Top of range [member]
Disclosure of detailed information about intangible assets [line items]
Useful lives of intangible assets other than goodwill	15 years
Top of range [member] | Cash-generating units [member]
Disclosure of detailed information about intangible assets [line items]
Discount rates for determine the recoverable amount	10.80%	11.40%

Goodwill and Intangible Asset_3

Goodwill and Intangible Assets - Summary of Continuity of Goodwill By Group of CGUs (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Goodwill [Line Items]
Beginning balance	$ 16,728	$ 5,285
Acquisitions		10,900
Foreign exchange and other	46	543
Ending balance	16,774	16,728
Personal and commercial banking [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	15,119	4,026
Acquisitions		10,578
Foreign exchange and other	43	515
Ending balance	15,162	15,119
Wealth management [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	1,081	824
Acquisitions		237
Foreign exchange and other	2	20
Ending balance	1,083	1,081
Capital markets [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	528	435
Acquisitions		85
Foreign exchange and other	1	8
Ending balance	529	528
Wealth and Asset Management [member] | Wealth management [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	1,079	822
Acquisitions		237
Foreign exchange and other	2	20
Ending balance	1,081	1,079
Insurance products [member] | Wealth management [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	2	2
Ending balance	2	2
Canada [member] | Personal and commercial banking [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	330	97
Acquisitions		233
Ending balance	330	330
United States [member] | Personal and commercial banking [member]
Disclosure Of Goodwill [Line Items]
Beginning balance	14,789	3,929
Acquisitions		10,345
Foreign exchange and other	43	515
Ending balance	$ 14,832	$ 14,789

Goodwill and Intangible Asset_4

Goodwill and Intangible Assets - Summary of Intangible Assets (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about intangible assets [line items]
Beginning balance	$ 5,216
Amortization	1,112	$ 1,008
Ending balance	4,925	5,216
Customer-related intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	363
Ending balance	296	363
Core deposit [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	2,258
Ending balance	1,916	2,258
Software amortizing [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	1,998
Ending balance	2,006	1,998
Software under development [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	324
Ending balance	417	324
Other intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	273
Ending balance	290	273
Gross carrying amount [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	12,370	8,317
Additions	852	830
Acquisitions		3,094
Fully amortized intangibles	(1,729)	(50)
Foreign exchange and other	23	179
Ending balance	11,516	12,370
Gross carrying amount [member] | Customer-related intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	850	521
Acquisitions		311
Foreign exchange and other	2	18
Ending balance	852	850
Gross carrying amount [member] | Core deposit [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	3,553	978
Acquisitions		2,453
Foreign exchange and other	10	122
Ending balance	3,563	3,553
Gross carrying amount [member] | Software amortizing [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	7,071	6,237
Additions	22	58
Acquisitions		103
Transfers	688	672
Fully amortized intangibles	(1,696)	(29)
Foreign exchange and other	11	30
Ending balance	6,096	7,071
Gross carrying amount [member] | Software under development [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	324	259
Additions	782	739
Transfers	(688)	(672)
Foreign exchange and other	(1)	(2)
Ending balance	417	324
Gross carrying amount [member] | Other intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	572	322
Additions	48	33
Acquisitions		227
Fully amortized intangibles	(33)	(21)
Foreign exchange and other	1	11
Ending balance	588	572
Accumulated depreciation and amortisation [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	(7,154)	(6,124)
Amortization	1,112	1,008
Write-downs	26	9
Fully amortized intangibles	(1,729)	(50)
Foreign exchange and other	28	63
Ending balance	(6,591)	(7,154)
Accumulated depreciation and amortisation [member] | Customer-related intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	(487)	(435)
Amortization	62	44
Write-downs	4
Foreign exchange and other	3	8
Ending balance	(556)	(487)
Accumulated depreciation and amortisation [member] | Core deposit [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	(1,295)	(978)
Amortization	342	291
Foreign exchange and other	10	26
Ending balance	(1,647)	(1,295)
Accumulated depreciation and amortisation [member] | Software amortizing [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	(5,073)	(4,422)
Amortization	676	646
Write-downs	22	9
Fully amortized intangibles	(1,696)	(29)
Foreign exchange and other	15	25
Ending balance	(4,090)	(5,073)
Accumulated depreciation and amortisation [member] | Other intangible assets [member]
Disclosure of detailed information about intangible assets [line items]
Beginning balance	(299)	(289)
Amortization	32	27
Fully amortized intangibles	(33)	(21)
Foreign exchange and other		4
Ending balance	$ (298)	$ (299)

Goodwill and Intangible Asset_5

Goodwill and Intangible Assets - Summary of Intangible Assets (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023	Oct. 31, 2022
Statement [Line Items]
Intangible assets other than goodwill	$ 4,925	$ 5,216
Gross carrying amount [member]
Statement [Line Items]
Intangible assets other than goodwill	11,516	12,370	$ 8,317
Accumulated depreciation and amortisation [member]
Statement [Line Items]
Intangible assets other than goodwill	(6,591)	(7,154)	$ (6,124)
Internally generated [member] | Software amortizing [member] | Gross carrying amount [member]
Statement [Line Items]
Intangible assets other than goodwill	5,466	6,172
Internally generated [member] | Software amortizing [member] | Accumulated depreciation and amortisation [member]
Statement [Line Items]
Intangible assets other than goodwill	$ (3,653)	$ (4,420)

Other Assets - Components of Ot

Other Assets - Components of Other within Other Assets (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of Other Assets [line items]
Accounts receivable, prepaid expenses and other items	$ 3,832	$ 5,806
Accrued interest receivable	4,463	4,097
Bank owned life insurance policies	6,350	6,306
Leased vehicles, net of accumulated amortization	67	124
Cash collateral	9,419	9,939
Investments in associates and joint ventures	1,727	1,461
Insurance-related assets	5,748	4,066
Other employee future benefits assets	44	81
Precious metals	9,485	4,701
Total	42,387	37,806
Pension Plans [member]
Disclosure of Other Assets [line items]
Pension asset	1,063	1,046
Other assets [member] | Pension Plans [member]
Disclosure of Other Assets [line items]
Pension asset	$ 1,252	$ 1,225

Other Assets - Components of _2

Other Assets - Components of Other within Other Assets (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
At fair value [member]
Disclosure of Other Assets [line items]
Investment properties	$ 1,363	$ 1,326

Other Assets - Additional Infor

Other Assets - Additional Information (Detail)	Oct. 31, 2024
Bottom of range [member]
Disclosure of Other Assets [line items]
Company own voting rights of shares	20%
Top of range [member]
Disclosure of Other Assets [line items]
Company own voting rights of shares	50%

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Deposits [Line Items]
Interest bearing	$ 78,499
Non-interest bearing	78,360
Payables after notice	352,073
Payable on a fixed date	473,508
Total	982,440	$ 910,879
Canada [member]
Disclosure Of Deposits [Line Items]
Interest bearing	66,676
Non-interest bearing	66,417
Payables after notice	148,164
Payable on a fixed date	336,884
Total	618,141	564,412
United States [member]
Disclosure Of Deposits [Line Items]
Interest bearing	11,753
Non-interest bearing	11,942
Payables after notice	201,844
Payable on a fixed date	88,527
Total	314,066	301,064
Other countries [member]
Disclosure Of Deposits [Line Items]
Interest bearing	70
Non-interest bearing	1
Payables after notice	2,065
Payable on a fixed date	48,097
Total	50,233	45,403
Banks [Member]
Disclosure Of Deposits [Line Items]
Interest bearing	4,302
Non-interest bearing	1,945
Payables after notice	1,584
Payable on a fixed date	24,715
Total	32,546	29,080
Business and governments [member]
Disclosure Of Deposits [Line Items]
Interest bearing	70,630
Non-interest bearing	41,740
Payables after notice	209,747
Payable on a fixed date	252,902
Total	575,019	548,068
Individuals [Member]
Disclosure Of Deposits [Line Items]
Interest bearing	3,567
Non-interest bearing	34,675
Payables after notice	140,742
Payable on a fixed date	141,783
Total	320,767	297,886
Total amortized cost deposits [member]
Disclosure Of Deposits [Line Items]
Interest bearing	78,499
Non-interest bearing	78,360
Payables after notice	352,073
Payable on a fixed date	419,400
Total	928,332	875,034
Deposits at FVTPL [member]
Disclosure Of Deposits [Line Items]
Payable on a fixed date	54,108
Total	$ 54,108	$ 35,845

Deposits - Summary of Deposit_2

Deposits - Summary of Deposits (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Deposits [Line Items]
Non interest bearing deposits	$ 44,617	$ 49,515
Deposits booked payable on a fixed date	473,508
Unencumbered liquid assets	396,338	360,213
Bank Recapitalization (Bail-In) Regime [member]
Disclosure Of Deposits [Line Items]
Deposits booked payable on a fixed date	65,986	63,925
U.S. dollars [member]
Disclosure Of Deposits [Line Items]
Deposits liabilities	521,160	492,404
Non USD Non CAD [Member]
Disclosure Of Deposits [Line Items]
Deposits liabilities	$ 54,397	$ 55,705

Deposits - Additional Informati

Deposits - Additional Information (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Deposits [Line Items]
Deposits eligible for early redemption without penalty	$ 29,136	$ 30,852
Commercial paper	51,500	52,884
Covered bonds	$ 26,957	$ 28,400

Deposits - Summary of Deposit_3

Deposits - Summary of Deposits payable on a fixed (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	$ 473,508
Deposits More Than One Hundred Thousand Dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	410,954	$ 385,594
Canada
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	336,884
Canada | Deposits More Than One Hundred Thousand Dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	285,555	269,262
United States
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	88,527
United States | Deposits More Than One Hundred Thousand Dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	77,313	73,226
Other Countries [member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	48,097
Other Countries [member] | Deposits More Than One Hundred Thousand Dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits booked payable on a fixed date	$ 48,086	$ 43,106

Deposits - Summary of maturity

Deposits - Summary of maturity schedule for deposits greater than one hundred thousand dollars booked in Canada (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	$ 982,440	$ 910,879
3 to 6 months [member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	69,479	64,939
CANADA
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	618,141	564,412
CANADA | Deposits more than one hundred thousand dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	285,555	269,262
CANADA | Less than 3 months [member] | Deposits more than one hundred thousand dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	63,442	55,070
CANADA | 3 to 6 months [member] | Deposits more than one hundred thousand dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	33,704	38,509
CANADA | 6 to 12 months [member] | Deposits more than one hundred thousand dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	62,674	61,370
CANADA | Over 12 months [member] | Deposits more than one hundred thousand dollar [Member]
Disclosure of deposits payable to customers on a fixed date [line items]
Deposits	$ 125,735	$ 114,313

Deposits - Summary of fair valu

Deposits - Summary of fair value and changes in fair value of structured note liabilities (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of Fair Value Measurements of Deposits designated at FVTPL [Abstract]
Deposits at fair value	$ 54,108	$ 35,845
Notional amount due at contractual maturity	56,300	42,973
Difference of fair value and amount due at contractual maturity	(2,192)	(7,128)
Change in fair value - gains (losses) recorded in the Consolidated Statement of Income	(4,815)	1,692
Change in fair value due to own credit risk recorded in OCI (before tax)	(841)	(379)
Cumulative change in fair value due to own credit risk recognized in AOCI (before tax)	$ 24	$ 865

Other Liabilities - Summary of

Other Liabilities - Summary of Components of Other within Other Liabilities (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023	Oct. 31, 2022
Disclosure of Other Liability [Line Items]
Accounts payable, accrued expenses and other items	$ 11,311	$ 11,999
Accrued interest payable	6,468	5,299
ACL on off-balance sheet items	580	460
Cash collateral	6,414	6,406
Credit card loyalty rewards	1,465	1,432
Current tax liabilities	470	44
Deferred tax liabilities (Note 23)	1	16	$ 102
Lease Liabilities	3,326	3,506
Liabilities of subsidiaries	5,633	18,120
Total	36,720	48,284
Other employee future benefit plans [member]
Disclosure of Other Liability [Line Items]
Other employee future benefits liability	819	742
Pension Plans [member]
Disclosure of Other Liability [Line Items]
Other employee future benefits liability	(1,063)	(1,046)
Other liabilities [member] | Other employee future benefit plans [member]
Disclosure of Other Liability [Line Items]
Other employee future benefits liability	863	823
Other liabilities [member] | Pension Plans [member]
Disclosure of Other Liability [Line Items]
Other employee future benefits liability	$ 189	$ 179

Other Liabilities - Additional

Other Liabilities - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Text Block [Line Items]
Interest expense on lease liabilities	$ 110	$ 92
Cash outflow for leases	455	435
Variable lease payments not included in the measurement of lease liabilities	258	$ 218
Year 2025 [member]
Text Block [Line Items]
Gross lease liabilities	407
Year 2026 [member]
Text Block [Line Items]
Gross lease liabilities	437
Year 2027 [member]
Text Block [Line Items]
Gross lease liabilities	423
Year 2028 [member]
Text Block [Line Items]
Gross lease liabilities	395
Year 2029 [member]
Text Block [Line Items]
Gross lease liabilities	371
Year 2030 and Thereafter [member]
Text Block [Line Items]
Gross lease liabilities	$ 1,868

Insurance - Summary of Insuranc

Insurance - Summary of Insurance Service Results (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure in tabular form of insurance service result [line items]
Insurance revenue	$ 1,767	$ 1,587
Insurance service expenses	(1,330)	(1,080)
Net expenses from reinsurance contracts	(97)	(118)
Insurance service results	$ 340	$ 389

Insurance - Summary of Insura_2

Insurance - Summary of Insurance Investment Results (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Insurance Investment Results [Abstract]
Investment return	$ 2,320	$ 285
Insurance finance income (expense) from insurance and reinsurance contracts held	(2,098)	(127)
Movement in investment contract liabilities	(117)	13
Insurance investment results	$ 105	$ 171

Insurance - Summary of the Insu

Insurance - Summary of the Insurance Liability by Remaining Coverage and Incurred Claims (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]
Insurance contract liabilities, beginning of year	$ 13,349	$ 12,117
Insurance service results	(347)	(424)
Net finance expenses from insurance contracts	2,206	179
Total cash flows	2,040	1,475
Other changes in the net carrying amount of the insurance contract		2
Insurance contract liabilities, end of year	17,248	13,349
Liabilities for remaining coverage [member]
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]
Insurance contract liabilities, beginning of year	13,114	11,850
Insurance service results	(1,448)	(1,403)
Net finance expenses from insurance contracts	2,206	179
Total cash flows	3,176	2,488
Other changes in the net carrying amount of the insurance contract	(1)
Insurance contract liabilities, end of year	17,047	13,114
Liabilities for incurred claims [member]
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]
Insurance contract liabilities, beginning of year	235	267
Insurance service results	1,101	979
Total cash flows	(1,136)	(1,013)
Other changes in the net carrying amount of the insurance contract	1	2
Insurance contract liabilities, end of year	$ 201	$ 235

Insurance - Summary of the In_2

Insurance - Summary of the Insurance Liability by Remaining Coverage and Incurred Claims (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Insurance service result [abstract]
Liabilities for incurred claims	$ 115	$ 131

Insurance - Summary of Yield Cu

Insurance - Summary of Yield Curve Used to Discount Cash Flows that do not Vary Based on Underlying Items (Detail)	Oct. 31, 2024	Oct. 31, 2023
1 year [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	4.16%	6.10%
3 years [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	4.17%	5.83%
5 years [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	4.35%	5.69%
10 years [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	4.82%	5.82%
20 years [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	5.15%	5.85%
30 years [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	4.98%	5.81%
Ultimate [member]
Disclosure of yield curve used to discount cash flows that do not vary based on returns on underlying items [line items]
Yield used to discount cash flows that do not vary based on returns on underlying items	5%	5%

Insurance - Summary Of Fair Val

Insurance - Summary Of Fair Value Changes in Investment Securities (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Change In Fair Value Of Investment Contracts [Line Items]
Fair value	$ 796	$ 708
Notional amount due at contractual maturity	1,336	1,397
Difference between fair value and amount due at contractual maturity	(540)	(689)
Change in fair value recorded in the Consolidated Statement of Income	(86)	42
Change in fair value due to own credit risk recorded in OCI (before tax)	(34)	(15)
Cumulative change in fair value due to own credit risk recognized in AOCI (before tax)	$ (26)	$ 8

Insurance - Additional Informat

Insurance - Additional Information (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]
Reinsurance contract liabilities	$ 579	$ 401
Contractual service margin	1,550	1,689
Investment contract liabilities measured at amortized cost	147	0
Insurance contracts issued [member]
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items]
Contractual service margin	$ 107	$ 73

Subordinated Debt - Summary of

Subordinated Debt - Summary of Maturities of Subordinated Debt and Repayment (Detail) $ in Millions, $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)	Oct. 31, 2024 USD ($)	Oct. 31, 2023 CAD ($)
Subordinated Liabilities [Line Items]
Face value	$ 25,192,367		$ 13,355,846
Total	8,377		8,228
Subordinated debt [member]
Subordinated Liabilities [Line Items]
Total	8,377		8,228
Subordinated debt [member] | Debentures Series 20 [member]
Subordinated Liabilities [Line Items]
Face value	$ 150
Maturity date	December 2025 to 2040
Interest rate (%)	8.25%	8.25%
Redeemable at our option beginning in	Not redeemable
Total	$ 147		147
Subordinated debt [member] | 3.803% Subordinated Notes due 2032 [member]
Subordinated Liabilities [Line Items]
Face value		$ 1,250
Maturity date	December 2032
Interest rate (%)	3.80%	3.80%
Subordinated Borrowings Reset Spread Rate	1.43%
Redeemable at our option beginning in	December 2027
Total	$ 1,602		1,510
Subordinated debt [member] | Series J Medium-Term Notes, First Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 1,000
Maturity date	September 2029
Interest rate (%)	2.88%	2.88%
Redeemable at our option beginning in	September 2024
Total			999
Subordinated debt [member] | Series J Medium-Term Notes, Second Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 1,250
Maturity date	June 2030
Interest rate (%)	2.08%	2.08%
Redeemable at our option beginning in	June 2025
Total	$ 1,237		1,248
Subordinated debt [member] | Series K Medium-Term Notes, First Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 1,000
Maturity date	July 2031
Interest rate (%)	1.93%	1.93%
Redeemable at our option beginning in	July 2026
Total	$ 992		988
Subordinated debt [member] | 3.088% Subordinated Notes due 2037 [member]
Subordinated Liabilities [Line Items]
Face value		$ 1,250
Maturity date	January 2037
Interest rate (%)	3.09%	3.09%
Subordinated Borrowings Reset Spread Rate	1.40%
Redeemable at our option beginning in	January 2032
Total	$ 1,466		1,439
Subordinated debt [member] | Series L Medium-Term Notes, First Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 750
Maturity date	October 2032
Interest rate (%)	6.53%	6.53%
Subordinated Borrowings Reset Spread Rate	2.70%
Redeemable at our option beginning in	October 2027
Total	$ 732		749
Subordinated debt [member] | Series M Medium-Term Notes, First Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 1,150
Maturity date	September 2033
Interest rate (%)	6.03%	6.03%
Subordinated Borrowings Reset Spread Rate	2.02%
Redeemable at our option beginning in	September 2028
Total	$ 1,202		$ 1,148
Subordinated debt [member] | Series M Medium-Term Notes, Second Tranche [member]
Subordinated Liabilities [Line Items]
Face value	$ 1,000
Maturity date	July 2034
Interest rate (%)	4.98%	4.98%
Subordinated Borrowings Reset Spread Rate	1.63%
Redeemable at our option beginning in	July 2029
Total	$ 999

Subordinated Debt - Summary o_2

Subordinated Debt - Summary of Maturities of Subordinated Debt and Repayment (Parenthetical) (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)	Oct. 31, 2023 CAD ($)	Oct. 31, 2024 $ / shares	Jul. 03, 2024 CAD ($)
Subordinated Liabilities [Line Items]
Repayments of subordinated liabilities	$ 1,000	$ 1,179
Subordinated liabilities	8,377	8,228
Subordinated debt [member]
Subordinated Liabilities [Line Items]
Increase (Decrease) in Subordinated Long Term Debt	400	539
Subordinated liabilities	$ 8,377	8,228
Bottom of range [member] | Subordinated debt [member]
Subordinated Liabilities [Line Items]
Common stock conversion price | $ / shares			$ 5
3.803% Subordinated Notes due 2032 [member]
Subordinated Liabilities [Line Items]
Borrowings, interest rate basis	5-year mid-swap rate plus the reset premium noted.
3.803% Subordinated Notes due 2032 [member] | Subordinated debt [member]
Subordinated Liabilities [Line Items]
Interest rate	3.80%
Subordinated liabilities	$ 1,602	1,510
Series J Medium-Term Notes, First Tranche [member] | Subordinated debt [member]
Subordinated Liabilities [Line Items]
Interest rate	2.88%
Repayments of subordinated liabilities	$ 1,000
Percentage of redemption of principal amount plus unpaid accrued interest	100%
Subordinated liabilities		$ 999
Series M Medium-Term Notes, Second Tranche [member] | Subordinated debt [member]
Subordinated Liabilities [Line Items]
Interest rate	4.98%
Subordinated liabilities	$ 999
Series M Medium-Term Notes, Second Tranche [member] | Unsecured Subordinated Debt [Member]
Subordinated Liabilities [Line Items]
Subordinated debt earliest date of redemption at par value	Jul. 03, 2029
Subordinated liabilities				$ 1,000

Equity - Summary of Classes of

Equity - Summary of Classes of Preferred and Common Shares Outstanding (Detail) - CAD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of classes of share capital [line items]
Balance at beginning of year	$ 76,123
Balance at end of year	$ 84,286	$ 76,123
Class B Series 27 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	20,000,000
Balance at end of year (shares)		20,000,000
Balance at beginning of year	$ 500
Balance at end of year		$ 500
Dividend declared per share	$ 0.48	$ 0.96
Class B Series 29 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	16,000,000
Balance at end of year (shares)		16,000,000
Balance at beginning of year	$ 400
Balance at end of year		$ 400
Dividend declared per share	$ 0.68	$ 0.91
Class B Series 31 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	12,000,000
Balance at end of year (shares)	12,000,000	12,000,000
Balance at beginning of year	$ 300
Balance at end of year	$ 300	$ 300
Dividend declared per share	$ 0.96	$ 0.96
Class B Series 33 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	8,000,000
Balance at end of year (shares)	8,000,000	8,000,000
Balance at beginning of year	$ 200
Balance at end of year	$ 200	$ 200
Dividend declared per share	$ 0.76	$ 0.76
Class B Series 44 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	16,000,000
Balance at end of year (shares)	16,000,000	16,000,000
Balance at beginning of year	$ 400
Balance at end of year	$ 400	$ 400
Dividend declared per share	$ 1.7	$ 1.21
Class B Series 46 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	14,000,000
Balance at end of year (shares)		14,000,000
Balance at beginning of year	$ 350
Balance at end of year		$ 350
Dividend declared per share	$ 0.64	$ 1.28
Class B Series 50 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	500,000
Balance at end of year (shares)	500,000	500,000
Balance at beginning of year	$ 500
Balance at end of year	$ 500	$ 500
Dividend declared per share	$ 73.73	$ 73.73
Class B Series 52 [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	650,000
Balance at end of year (shares)	650,000	650,000
Balance at beginning of year	$ 650
Balance at end of year	$ 650	$ 650
Dividend declared per share	$ 70.57	$ 57.52
Preferred shares [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	$ 3,300
Balance at end of year	2,050	$ 3,300
Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	3,658
Balance at end of year	6,037	3,658
Preferred Shares and Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	6,958	6,308
Balance at end of year	$ 8,087	$ 6,958
Common Shares [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year (shares)	720,909,161	677,106,878
Issued under the Shareholder Dividend Reinvestment and Share Purchase Plan (shares)	7,790,724	13,482,314
Issued under the Stock Option Plan and other stock-based compensation plans (shares)	811,652	724,853
Treasury shares sold	18,339	101,178
Issued to align capital position with increased regulatory requirements as announced by OSFI (shares)		28,331,227
Issued for acquisitions (Note 10) (shares)		1,162,711
Balance at end of year (shares)	729,529,876	720,909,161
Balance at beginning of year	$ 22,941	$ 17,744
Issued under the Shareholder Dividend Reinvestment and Share Purchase Plan	905	1,609
Issued under the Stock Option Plan and other stock-based compensation plans	74	61
Treasury shares sold/(purchased)	1	14
Issued to align capital position with increased regulatory requirements as announced by OSFI		3,360
Issued for acquisitions (Note 10)		153
Balance at end of year	$ 23,921	$ 22,941
Dividend declared per share	$ 6.12	$ 5.8
4.8% Additional Tier 1 Capital Notes (NVCC) [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	$ 658
Balance at end of year	658	$ 658
4.3% Series 1 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	1,250
Balance at end of year	1,250	1,250
5.625% Series 2 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	750
Balance at end of year	750	750
7.325% Series 3 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at beginning of year	1,000
Balance at end of year	1,000	$ 1,000
7.700% Series 4 LRCNs [Member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at end of year	1,356
7.300% Series 5 LRCNs [Member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Balance at end of year	$ 1,023

Equity - Summary of Classes o_2

Equity - Summary of Classes of Preferred and Common Shares Outstanding (Parenthetical) (Detail) - USD ($) $ in Millions	Oct. 31, 2024	Jul. 17, 2024	Mar. 08, 2024	Oct. 31, 2023
Other Equity Instruments [member] | 7.700% Series 4 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value	$ 1,000		$ 1,000
Other Equity Instruments [member] | 7.300% Series 5 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value	$ 750	$ 750
Treasury shares [member]
Disclosure of classes of share capital [line items]
Number of shares	55,172			73,511

Equity - Summary of Prefered Sh

Equity - Summary of Prefered Share Rights and Privileges (Detail) - $ / shares	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of classes of share capital [line items]
Convertible to	In such an event, each preferred share or other equity instrument is convertible into common shares pursuant to an automatic conversion formula and a conversion price based on the greater of: (i) a floor price of $5.00 and (ii) the current market price of our common shares based on the volume weighted-average trading price of our common shares on the TSX.
Class B Series 31 [member]
Disclosure of classes of share capital [line items]
Redemption amount	$ 25
Non-cumulative dividend	$ 0.96	$ 0.96
Reset premium	2.22%
Date redeemable / convertible	November 25, 2024
Convertible to	Class B – Series 32
Class B Series 31 [member] | Quarterly dividend [Member]
Disclosure of classes of share capital [line items]
Non-cumulative dividend	$ 0.240688
Class B Series 33 [member]
Disclosure of classes of share capital [line items]
Redemption amount	25
Non-cumulative dividend	$ 0.76	0.76
Reset premium	2.71%
Date redeemable / convertible	August 25, 2025
Convertible to	Class B – Series 34
Class B Series 33 [member] | Quarterly dividend [Member]
Disclosure of classes of share capital [line items]
Non-cumulative dividend	$ 0.190875
Class B Series 44 [member]
Disclosure of classes of share capital [line items]
Redemption amount	25
Non-cumulative dividend	$ 1.7	1.21
Reset premium	2.68%
Date redeemable / convertible	November 25, 2028
Convertible to	Class B – Series 45
Class B Series 44 [member] | Quarterly dividend [Member]
Disclosure of classes of share capital [line items]
Non-cumulative dividend	$ 0.426
Class B Series 50 [member]
Disclosure of classes of share capital [line items]
Redemption amount	1,000
Non-cumulative dividend	$ 73.73	73.73
Reset premium	4.25%
Date redeemable / convertible	November 26, 2027
Convertible to	Not convertible
Class B Series 50 [member] | Quarterly dividend [Member]
Disclosure of classes of share capital [line items]
Non-cumulative dividend	$ 36.865
Class B Series 52 [member]
Disclosure of classes of share capital [line items]
Redemption amount	1,000
Non-cumulative dividend	$ 70.57	$ 57.52
Reset premium	4.25%
Date redeemable / convertible	May 26, 2028
Convertible to	Not convertible
Class B Series 52 [member] | Quarterly dividend [Member]
Disclosure of classes of share capital [line items]
Non-cumulative dividend	$ 35.285

Equity - Schedule of the Equity

Equity - Schedule of the Equity Instrument (Detail) $ in Millions, $ in Millions		12 Months Ended
	Aug. 25, 2024	Oct. 31, 2024 CAD ($)	Oct. 31, 2023 CAD ($)	Oct. 31, 2024 USD ($)	Jul. 17, 2024 USD ($)	Mar. 08, 2024 USD ($)
Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Total		$ 6,037	$ 3,658
4.8% AT1 Capital Notes (NVCC) [member]
Disclosure of classes of share capital [line items]
Face value				$ 500
Interest rate (%)	4.80%	6.709%
Redeemable at our option		Feb. 28, 2025
Total		$ 658	658
4.3% Series 1 LRCNs [member]
Disclosure of classes of share capital [line items]
Face value		$ 1,250
Interest rate (%)		4.30%
4.3% Series 1 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Face value		$ 1,250
Interest rate (%)		4.30%
Redeemable at our option		Nov. 30, 2025
Total		$ 1,250	1,250
5.625% Series 2 LRCNs [member]
Disclosure of classes of share capital [line items]
Face value		$ 750
Interest rate (%)		5.625%
5.625% Series 2 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Face value		$ 750
Interest rate (%)		5.625%
Redeemable at our option		May 31, 2027
Total		$ 750	750
7.325% Series 3 LRCNs [member]
Disclosure of classes of share capital [line items]
Face value		$ 1,000
Interest rate (%)		7.325%
7.325% Series 3 LRCNs [member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Face value		$ 1,000
Interest rate (%)		7.325%
Redeemable at our option		Nov. 30, 2027
Total		$ 1,000	$ 1,000
7.700% Series 4 LRCNs [Member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Face value				1,000		$ 1,000
Interest rate (%)		7.70%
Redeemable at our option		May 31, 2029
Total		$ 1,356
7.300% Series 5 LRCNs [Member] | Other Equity Instruments [member]
Disclosure of classes of share capital [line items]
Face value				$ 750	$ 750
Interest rate (%)		7.30%
Redeemable at our option		Nov. 30, 2034
Total		$ 1,023

Equity - Schedule of the Equi_2

Equity - Schedule of the Equity Instrument (Parenthetical) (Detail) - 4.800% AT1 Capital Notes (NVCC) [member]	Aug. 25, 2024
Disclosure of classes of share capital [line items]
Borrowing rate	4.80%
Borrowings, adjustment to interest rate basis	6.709%

Equity - Additional Information

Equity - Additional Information (Detail) $ in Millions, $ in Millions		12 Months Ended
	Aug. 25, 2024 CAD ($) shares	Oct. 31, 2024 CAD ($) shares	Oct. 31, 2023 CAD ($) shares	Dec. 05, 2024 shares	Nov. 25, 2024 CAD ($) shares	Oct. 31, 2024 USD ($) shares	Jul. 17, 2024 USD ($)	May 25, 2024 CAD ($) shares	Mar. 08, 2024 USD ($)	Oct. 19, 2023 shares
Disclosure of classes of share capital [line items]
Description of conversion of preferred share		In such an event, each preferred share or other equity instrument is convertible into common shares pursuant to an automatic conversion formula and a conversion price based on the greater of: (i) a floor price of $5.00 and (ii) the current market price of our common shares based on the volume weighted-average trading price of our common shares on the TSX.
Number of shares repurchase under normal course issuer bid | shares				20
Non-controlling interests		$ 36	$ 28
Bank of the West [member]
Disclosure of classes of share capital [line items]
Non-controlling interests		$ 36	$ 28
Stock Option Plan [member]
Disclosure of classes of share capital [line items]
Common shares reserved for potential issuance | shares		6,554,492	6,312,576			6,554,492
4.3% Series 1 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 1,250
Interest Rate		4.30%
5.625% Series 2 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 750
Interest Rate		5.625%
7.325% Series 3 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 1,000
Interest Rate		7.325%
4.8% AT1 Capital Notes (NVCC) [member]
Disclosure of classes of share capital [line items]
Note issued face value						$ 500
Interest Rate	4.80%	6.709%
Dividend reinvestment and share purchase plan [member]
Disclosure of classes of share capital [line items]
Common shares reserved for potential issuance | shares		39,864,838	12,187,362			39,864,838
Common shares [member]
Disclosure of classes of share capital [line items]
Discount from treasury for shares issued under dividend reinvestment plan		2%				2%
Series 31 NVCC [Member]
Disclosure of classes of share capital [line items]
Redeem all of our outstanding					$ 300
Redeemable preference shares, outstanding | shares					12,000,000
Series 29 NVCC [Member]
Disclosure of classes of share capital [line items]
Redeem all of our outstanding	$ 400
Redeemable preference shares, outstanding | shares	16,000,000
Series 27 NVCC [Member]
Disclosure of classes of share capital [line items]
Redeem all of our outstanding								$ 500
Redeemable preference shares, outstanding | shares								20,000,000
Series 46 NVCC [Member]
Disclosure of classes of share capital [line items]
Redeem all of our outstanding								$ 350
Redeemable preference shares, outstanding | shares								14,000,000
Class B Series 44 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Description of conversion of preferred share		Class B – Series 45
Number of shares tendered | shares		93,870
Number of shares required for conversion | shares		1,000,000
Dividend rate reset term		5 years
Dividend rate adjustment percentage		6.816%
Class B Series 45 Preferred Shares [Member]
Disclosure of classes of share capital [line items]
Number of shares issued | shares										0
Class B Series 48 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Dividend rate reset term		5 years
Note issued face value		$ 1,250
Class B Series 49 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Dividend rate reset term		5 years
Note issued face value		$ 750
Class B Series 51 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Dividend rate reset term		5 years
Note issued face value		$ 1,000
Class B Series 53 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Dividend rate reset term		5 years
Note issued face value						$ 1,000
Class B Series 54 Preferred Shares [member]
Disclosure of classes of share capital [line items]
Dividend rate reset term		5 years
Note issued face value						750
Other Equity Instruments [member] | 7.300% Series 5 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value						750	$ 750
Interest Rate		7.30%
Other Equity Instruments [member] | 7.700% Series 4 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value						$ 1,000			$ 1,000
Interest Rate		7.70%
Other Equity Instruments [member] | 4.3% Series 1 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 1,250
Interest Rate		4.30%
Other Equity Instruments [member] | 5.625% Series 2 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 750
Interest Rate		5.625%
Other Equity Instruments [member] | 7.325% Series 3 LRCNs [member]
Disclosure of classes of share capital [line items]
Note issued face value		$ 1,000
Interest Rate		7.325%
Shareholder Dividend Reinvestment and Share Purchase Plan [member] | Common shares [member]
Disclosure of classes of share capital [line items]
Number of shares issued under dividend reinvestment plan at 2% discount from treasury | shares		7,790,724	13,482,314

Fair Value Measurements and T_3

Fair Value Measurements and Trading-Related Revenue - Summary of Financial Instruments Designated At Fair Value Through Profit Or Loss (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Securities
Amortized cost	$ 115,188	$ 116,814
Loans
Consumer instalment and other personal	92,687	104,042
Credit cards	13,612	12,294
Business and government	384,993	366,886
Deposits	982,440	910,879
Securitization and structured entities' liabilities	40,164	27,094
Other liabilities	36,720	48,284
Subordinated debt	8,377	8,228
Fair Value [member]
Securities
Amortized cost	106,461	104,171
Not Carried At Fair Value [member] | At carrying value [member]
Securities
Amortized cost	115,188	116,814
Loans
Residential mortgages	190,666	175,350
Consumer instalment and other personal	91,889	103,267
Credit cards	13,030	11,893
Business and government	369,776	358,712
Loans net of allowance for loan losses	665,361	649,222
Deposits	928,332	875,034
Securitization and structured entities' liabilities	21,850	24,631
Other liabilities	2,929	4,160
Subordinated debt	8,377	8,228
Not Carried At Fair Value [member] | Fair Value [member]
Securities
Amortized cost	106,461	104,171
Loans
Residential mortgages	188,848	167,863
Consumer instalment and other personal	91,513	101,023
Credit cards	13,030	11,893
Business and government	370,101	357,027
Loans net of allowance for loan losses	663,492	637,806
Deposits	928,689	871,776
Securitization and structured entities' liabilities	21,653	23,739
Other liabilities	2,669	3,287
Subordinated debt	$ 8,543	$ 7,849

Fair Value Measurements and T_4

Fair Value Measurements and Trading-Related Revenue - Summary of Financial Instruments Designated At Fair Value Through Profit Or Loss (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Business and government	$ 384,993	$ 366,886
Securitization and structured entities' liabilities	40,164	27,094
Amortized cost	115,188	116,814
Financial liabilities at fair value through profit or loss, category [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Structured note liabilities	45,222	35,300
Metal deposits	1,807	204
Embedded options related to structured deposits carried at amortized cost	1,047	341
Securitization and structured entities' liabilities	18,314	2,463
Money market deposits	6,032	0
At fair value [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Amortized cost	106,461	104,171
Level 2 of fair value hierarchy [member] | At fair value [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Amortized cost	106,389	104,171
Level 3 of fair value hierarchy [member] | At fair value [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Amortized cost	72	0
Financial assets at fair value through profit or loss [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Residential mortgages loans	163	1,676
Business and government	12,431	5,720
Financial assets at fair value through other comprehensive income [member]
Fair Value of Financial Instruments Not Carried at Fair Value on the Balance Sheet [line items]
Business and government	$ 61	$ 58

Fair Value Measurements and T_5

Fair Value Measurements and Trading-Related Revenue - Summary of Fair Value Measurement of Assets And Liabilities (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		$ 168,926	$ 123,718
FVTPL Securities		19,064	16,733
FVOCI Securities		93,702	62,819
Deposits		54,108	35,845
Derivative Assets
Derivative Assets		47,253	39,976
Derivative Liabilities
Derivative Liabilities		58,303	50,193
Measured at fair value [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		168,926	123,718
FVTPL Securities		19,064	16,733
FVOCI Securities		93,702	62,819
Loans		12,655	7,454
Other Assets	[1]	12,953	7,776
Fair value liabilities	[2]	110,002	84,149
Deposits	[2],[3]	54,108	35,845
Securities sold but not yet purchased	[2]	35,030	43,774
Other liabilities	[2],[4]	20,864	4,530
Derivative Assets
Derivative Assets		47,253	39,976
Derivative Liabilities
Derivative Liabilities		58,303	50,193
Measured at fair value [member] | Canadian federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		10,036	11,370
FVTPL Securities		403	216
FVOCI Securities		34,177	20,100
Measured at fair value [member] | Canadian provincial and municipal governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		7,585	7,170
FVTPL Securities		1,578	1,166
FVOCI Securities		5,996	5,055
Measured at fair value [member] | U.S. federal government [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		24,248	20,132
FVTPL Securities		1,527	2,088
FVOCI Securities		16,965	5,880
Measured at fair value [member] | US States, municipalities and agencies [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		565	279
FVOCI Securities		5,068	5,301
Measured at fair value [member] | Other governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		3,849	2,540
FVTPL Securities		25	48
FVOCI Securities		5,656	6,969
Measured at fair value [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		40,995	21,517
FVTPL Securities		21	19
FVOCI Securities		21,293	15,765
Measured at fair value [member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		15,190	11,933
FVTPL Securities		8,780	7,362
FVOCI Securities		4,370	3,589
Measured at fair value [member] | Trading loans [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		475	450
Measured at fair value [member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		65,983	48,327
FVTPL Securities		6,730	5,834
FVOCI Securities		177	160
Measured at fair value [member] | Residential mortgages [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Loans		163	1,676
Measured at fair value [member] | Business and government loans [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Loans		12,492	5,778
Measured at fair value [member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets		9,887	13,350
Derivative Liabilities
Derivative Liabilities		10,843	17,801
Measured at fair value [member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets		21,272	19,889
Derivative Liabilities
Derivative Liabilities		19,955	19,205
Measured at fair value [member] | Commodity contracts [member]
Derivative Assets
Derivative Assets		1,827	2,022
Derivative Liabilities
Derivative Liabilities		1,821	1,657
Measured at fair value [member] | Equity contracts [member]
Derivative Assets
Derivative Assets		14,257	4,690
Derivative Liabilities
Derivative Liabilities		25,673	11,503
Measured at fair value [member] | Credit default swaps [member]
Derivative Assets
Derivative Assets		10	25
Derivative Liabilities
Derivative Liabilities		11	27
Valued using quoted market prices [member] | Measured at fair value [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		69,611	52,883
FVTPL Securities		1,087	827
FVOCI Securities		3,237	633
Other Assets	[1]	11,236	6,020
Fair value liabilities	[2]	12,385	13,696
Securities sold but not yet purchased	[2]	10,631	12,217
Other liabilities	[2],[4]	1,754	1,479
Derivative Assets
Derivative Assets		748	775
Derivative Liabilities
Derivative Liabilities		203	802
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		1,272	1,176
FVTPL Securities		166	4
FVOCI Securities		3,212	633
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		2,688	3,593
FVTPL Securities			2
FVOCI Securities		25
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		92	20
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		65,559	48,094
FVTPL Securities		921	821
Valued using quoted market prices [member] | Measured at fair value [member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets		36	21
Derivative Liabilities
Derivative Liabilities		32	52
Valued using quoted market prices [member] | Measured at fair value [member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets		4	28
Derivative Liabilities
Derivative Liabilities			1
Valued using quoted market prices [member] | Measured at fair value [member] | Commodity contracts [member]
Derivative Assets
Derivative Assets		169	668
Derivative Liabilities
Derivative Liabilities		96	589
Valued using quoted market prices [member] | Measured at fair value [member] | Equity contracts [member]
Derivative Assets
Derivative Assets		539	58
Derivative Liabilities
Derivative Liabilities		75	160
Valued using models (with observable inputs) [member] | Measured at fair value [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		99,311	70,798
FVTPL Securities		13,043	11,671
FVOCI Securities		90,288	62,026
Loans		12,353	7,268
Other Assets	[1]		33
Fair value liabilities	[2]	97,617	70,448
Deposits	[2],[3]	54,108	35,845
Securities sold but not yet purchased	[2]	24,399	31,557
Other liabilities	[2],[4]	19,110	3,046
Derivative Assets
Derivative Assets		46,493	39,196
Derivative Liabilities
Derivative Liabilities		58,093	49,380
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		8,764	10,194
FVTPL Securities		237	212
FVOCI Securities		30,965	19,467
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Canadian provincial and municipal governments [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		7,585	7,170
FVTPL Securities		1,578	1,166
FVOCI Securities		5,996	5,055
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		21,560	16,539
FVTPL Securities		1,527	2,086
FVOCI Securities		16,940	5,880
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		565	279
FVOCI Securities		5,068	5,301
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		3,757	2,520
FVTPL Securities		25	48
FVOCI Securities		5,656	6,969
Valued using models (with observable inputs) [member] | Measured at fair value [member] | NHA MBS U.S. agency MBS and CMO [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		40,995	21,517
FVTPL Securities		21	19
FVOCI Securities		21,293	15,765
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		15,190	11,933
FVTPL Securities		8,745	7,335
FVOCI Securities		4,370	3,589
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Trading loans [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		475	450
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		420	196
FVTPL Securities		910	805
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Residential mortgages [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Loans		163	1,676
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Business and government loans [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Loans		12,190	5,592
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Interest rate contracts [member]
Derivative Assets
Derivative Assets		9,851	13,329
Derivative Liabilities
Derivative Liabilities		10,811	17,749
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets		21,258	19,861
Derivative Liabilities
Derivative Liabilities		19,955	19,204
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Commodity contracts [member]
Derivative Assets
Derivative Assets		1,656	1,349
Derivative Liabilities
Derivative Liabilities		1,721	1,067
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Equity contracts [member]
Derivative Assets
Derivative Assets		13,718	4,632
Derivative Liabilities
Derivative Liabilities		25,596	11,335
Valued using models (with observable inputs) [member] | Measured at fair value [member] | Credit default swaps [member]
Derivative Assets
Derivative Assets		10	25
Derivative Liabilities
Derivative Liabilities		10	25
Valued using models (without observable inputs) [member] | Measured at fair value [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		4	37
FVTPL Securities		4,934	4,235
FVOCI Securities		177	160
Loans		302	186
Other Assets	[1]	1,717	1,723
Fair value liabilities	[2]		5
Other liabilities	[2],[4]		5
Derivative Assets
Derivative Assets		12	5
Derivative Liabilities
Derivative Liabilities		7	11
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Corporate debt [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
FVTPL Securities		35	27
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Trading Securities		4	37
FVTPL Securities		4,899	4,208
FVOCI Securities		177	160
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Business and government loans [member]
Disclosure Of Fair Value Of Financial Instruments [line items]
Loans		302	186
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Foreign exchange contracts [member]
Derivative Assets
Derivative Assets		10
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Commodity contracts [member]
Derivative Assets
Derivative Assets		2	5
Derivative Liabilities
Derivative Liabilities		4	1
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Equity contracts [member]
Derivative Liabilities
Derivative Liabilities		2	8
Valued using models (without observable inputs) [member] | Measured at fair value [member] | Credit default swaps [member]
Derivative Liabilities
Derivative Liabilities		$ 1	$ 2
[1]Other assets include precious metals, segregated fund assets and investment properties in our insurance business, carbon credits, certain receivables and other items measured at fair value.[2]Interest expense for liabilities carried at fair value is $2,774 million for the year ended October 31, 2024 ($2,274 million for the year ended October 31, 2023). Interest expense for liabilities carried at amortized cost is $43,743 million for the year ended October 31, 2024 ($34,619 million for the year ended October 31, 2023).[3]Deposits include structured note liabilities, money market and metals deposits designated at FVTPL and certain embedded options related to structured deposits carried at amortized cost.[4]Other liabilities include certain investment contract liabilities and segregated fund liabilities in our insurance business, as well as certain securitization and structured entities’ liabilities measured at FVTPL.

Fair Value Measurements and T_6

Fair Value Measurements and Trading-Related Revenue - Summary of Fair Value Measurement of Assets And Liabilities (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Interest expense for liabilities	$ 46,517	$ 36,893
Interest expense for liabilities carried at fair value [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Interest expense for liabilities	2,774	2,274
Interest expense for liabilities carried at amortized cost [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Interest expense for liabilities	$ 43,743	$ 34,619

Fair Value Measurements and T_7

Fair Value Measurements and Trading-Related Revenue - Summary of Fair Value Measurement of Investment (Detail) - Valued using models (without observable inputs) [member] - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Fair value of assets		$ 1,363	$ 1,326
Corporate equity [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Fair value of assets		$ 4,899	$ 4,208
Corporate equity [member] | Bottom of range [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
EV/EBITDA multiple range of input values	[1]	5	3
Changes in fair value from using reasonably possible alternatives		$ (18)	$ (13)	[2]
Corporate equity [member] | Top of range [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
EV/EBITDA multiple range of input values	[1]	21	23
Changes in fair value from using reasonably possible alternatives		$ 18	$ 13	[2]
Other assets [member] | Bottom of range [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Discounted cash flows and capitalization rate changes in percentage	[2]	2%	1%
Changes in fair value from using reasonably possible alternatives	[2]	$ (118)	$ (124)
Other assets [member] | Top of range [member]
Disclosure Of Fair Value Of Financial Instruments [Line Items]
Discounted cash flows and capitalization rate changes in percentage	[2]	8%	9%
Changes in fair value from using reasonably possible alternatives	[2]	$ 151	$ 174
[1]The low and high input values represent the lowest and highest actual level of inputs used to value a group of financial instruments in a particular product category. These value ranges do not reflect the level of input uncertainty but are affected by the specific underlying instruments within each product category. The value ranges will therefore vary from period to period based on the characteristics of the underlying instruments held at each balance sheet date.[2]Net asset values are provided by fund managers and therefore have no other reasonably possible alternative assumptions. Sensitivity of private equity investments is determined by adjusting the price multiples based on the range of multiples of comparable companies. Sensitivity of investment properties is determined by adjusting the capitalization rate.

Fair Value Measurements and T_8

Fair Value Measurements and Trading-Related Revenue - Additional Information (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)
Securities Sold Not Yet Purchased [Member]
Disclosure of fair value measurement of assets [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	$ 751
Transfers out of Level 2 into Level 1 of fair value hierarchy	49
Total securities [member]
Disclosure of fair value measurement of assets [line items]
Transfers out of Level 1 into Level 2 of fair value hierarchy	1,784
Transfers out of Level 2 into Level 1 of fair value hierarchy	$ 118

Fair Value Measurements and T_9

Fair Value Measurements and Trading-Related Revenue - Summary of Changes in Level 3 Instruments Carried At Fair Value (Detail) - Valued using models (without observable inputs) [member] - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		$ 1,326
Assets at end of period		1,363	$ 1,326
Corporate equity [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		4,208
Assets at end of period		4,899	4,208
Trading securities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		37
Purchases/Issuances		45
Sales		(41)
Transfers into Level 3			37
Transfers out of Level 3		(37)
Assets at end of period		4	37
Trading securities [member] | NHA MBS US Agency MBS And CMO [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Purchases/Issuances		41
Sales		(41)
Trading securities [member] | Corporate equity [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		37
Purchases/Issuances		4
Transfers into Level 3			37
Transfers out of Level 3		(37)
Assets at end of period		4	37
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		4,235	4,052
Change in fair value included in earnings		(172)	(233)
Change in fair value included in other comprehensive income	[1]	11	45
Purchases/Issuances		1,086	2,803	[2]
Sales		(240)	(349)
Maturities/Settlement		(1)	(1)
Transfers into Level 3		16	15
Transfers out of Level 3		(1)	(2,097)
Assets at end of period		4,934	4,235
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	47	(38)
Financial assets at fair value through profit or loss [member] | Corporate debt [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		27	8
Change in fair value included in earnings		(10)
Purchases/Issuances		18	19	[2]
Assets at end of period		35	27
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	(10)	1
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		4,208	4,044
Change in fair value included in earnings		(162)	(233)
Change in fair value included in other comprehensive income	[1]	11	45
Purchases/Issuances		1,068	2,784	[2]
Sales		(240)	(349)
Maturities/Settlement		(1)	(1)
Transfers into Level 3		16	15
Transfers out of Level 3		(1)	(2,097)
Assets at end of period		4,899	4,208
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	57	(39)
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		160	153
Change in fair value included in other comprehensive income	[1]	13	1
Purchases/Issuances		4	7	[2]
Sales			(1)
Maturities/Settlement			(1)
Assets at end of period		177	160
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		160	153
Change in fair value included in other comprehensive income	[1]	13	1
Purchases/Issuances		4	7	[2]
Sales			(1)
Assets at end of period		177	160
Business and government loans [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		186	20
Change in fair value included in other comprehensive income	[1]		4
Purchases/Issuances		89	259	[2]
Maturities/Settlement		(171)	(97)
Transfers into Level 3		198
Assets at end of period		302	186
Derivatives Liabilities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		11	2
Change in fair value included in earnings		2	13
Maturities/Settlement			(12)
Transfers into Level 3		3	8
Transfers out of Level 3		(9)
Liabilities at end of period		7	11
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	3	(37)
Derivatives Liabilities [member] | Equity contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		8
Change in fair value included in earnings		1
Transfers into Level 3		2	8
Transfers out of Level 3		(9)
Liabilities at end of period		2	8
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	1
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		2	2
Change in fair value included in earnings		(2)
Transfers into Level 3		1
Liabilities at end of period		1	2
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	(1)
Derivatives Liabilities [member] | Commodity 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		3	1
Liabilities at end of period		4	1
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	3	1
Derivatives Liabilities [member] | Foreign exchange contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Change in fair value included in earnings			12
Maturities/Settlement			(12)
Change in unrealized gains (losses) recorded in income for instruments still held	[3]		(38)
Other Liabilities [Member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Liabilities at beginning of period		5	2
Change in fair value included in earnings			(1)
Purchases/Issuances		8	11	[2]
Sales			(4)
Maturities/Settlement		(13)
Transfers out of Level 3			(3)
Liabilities at end of period			5
Change in unrealized gains (losses) recorded in income for instruments still held	[3]		(1)
Other assets [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		1,723	1,233
Change in fair value included in earnings		30	40
Purchases/Issuances		86	461	[2]
Sales		(21)
Maturities/Settlement		(101)	(11)
Assets at end of period		1,717	1,723
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	47	40
Derivatives Asset [Member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		5	26
Change in fair value included in earnings		(3)	(23)
Purchases/Issuances		10	13	[2]
Maturities/Settlement			(9)
Transfers into Level 3		13	1
Transfers out of Level 3		(13)	(3)
Assets at end of period		12	5
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	(3)	3
Derivatives Asset [Member] | Equity contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Change in fair value included in earnings			2
Transfers into Level 3		13	1
Transfers out of Level 3		(13)	(3)
Change in unrealized gains (losses) recorded in income for instruments still held	[3]		2
Derivatives Asset [Member] | Commodity contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period		5
Change in fair value included in earnings		(3)	(8)
Purchases/Issuances	[2]		13
Assets at end of period		2	5
Change in unrealized gains (losses) recorded in income for instruments still held	[3]	(3)	(8)
Derivatives Asset [Member] | Foreign exchange contracts [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Assets at beginning of period			26
Change in fair value included in earnings			(17)
Purchases/Issuances		10
Maturities/Settlement			(9)
Assets at end of period		$ 10
Change in unrealized gains (losses) recorded in income for instruments still held	[3]		$ 9
[1]Foreign exchange translation on assets and liabilities held by foreign operations is included in Consolidated Statement of Comprehensive Income as part of net gains on translation of net foreign operations.[2]FVTPL securities include $969 million of Federal Home Loan Bank (FHLB) and Federal Reserve Bank equity and $587 million of investments in LIHTC entities, acquired as a result of our acquisition of Bank of the West in 2023.[3]Changes in unrealized gains (losses) on trading and FVTPL securities still held on October 31, 2024 and 2023 are included in earnings for the year.

Fair Value Measurements and _10

Fair Value Measurements and Trading-Related Revenue - Summary of Changes in Level 3 Instruments Carried At Fair Value (Parenthetical) (Detail) - Financial assets at fair value through profit or loss [member] - Valued using models (without observable inputs) [member] - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Purchase fair value measurement of assets	$ 1,086	$ 2,803	[1]
Bank of the West [Member] | Federal home loan bank and federal reserve bank equity [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Purchase fair value measurement of assets		969
Bank of the West [Member] | Low income housing tax credit entities [member]
Disclosure of reconciliation of changes in fair value measurement assets liabilities [line items]
Purchase fair value measurement of assets		$ 587
[1]FVTPL securities include $969 million of Federal Home Loan Bank (FHLB) and Federal Reserve Bank equity and $587 million of investments in LIHTC entities, acquired as a result of our acquisition of Bank of the West in 2023.

Fair Value Measurements and _11

Fair Value Measurements and Trading-Related Revenue - Summary of Trading Revenue (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Trading revenue [abstract]
Interest rates	$ 1,003	$ 770
Foreign exchange	579	638
Equities	759	610
Commodities	150	192
Other	55	(1,526)
Total trading-related revenue	2,546	684
Reported as:
Net interest income	169	900
Non-interest revenue – trading revenues (losses)	2,377	(216)
Total trading-related revenue	$ 2,546	$ 684

Offsetting of Financial Asset_3

Offsetting of Financial Assets and Financial Liabilities - Summary of Amounts Offset and Not Offset in the Consolidated Balance Sheet (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure of offsetting of financial assets and financial liabilities [Line Items]
Gross amounts (Financial Assets)		$ 182,944	$ 158,641
Amounts offset in the balance sheet		24,784	3,003
Net amounts presented in balance sheet		158,160	155,638
Impact of master netting agreements		37,314	38,060
Securities received as collateral	[1],[2]	106,108	106,118
Cash collateral		3,874	4,594
Net amount	[3]	10,864	6,866
Gross amounts (Financial Liabilities)		193,878	159,304
Amounts offset in the balance sheet		24,784	3,003
Net amounts presented in balance sheet		169,094	156,301
Impact of master netting agreements		37,314	38,060
Securities pledged as collateral	[1],[2]	115,132	102,128
Cash collateral		7,636	7,292
Net amount	[3]	9,012	8,821
Securities purchased under resale agreements and securities borrowed [member]
Disclosure of offsetting of financial assets and financial liabilities [Line Items]
Gross amounts (Financial Assets)		135,282	118,128
Amounts offset in the balance sheet		24,375	2,466
Net amounts presented in balance sheet		110,907	115,662
Impact of master netting agreements		5,738	11,386
Securities received as collateral	[1],[2]	103,814	102,852
Cash collateral		72	25
Net amount	[3]	1,283	1,399
Derivative financial instruments assets 1 [member]
Disclosure of offsetting of financial assets and financial liabilities [Line Items]
Gross amounts (Financial Assets)		47,662	40,513
Amounts offset in the balance sheet		409	537
Net amounts presented in balance sheet		47,253	39,976
Impact of master netting agreements		31,576	26,674
Securities received as collateral	[1],[2]	2,294	3,266
Cash collateral		3,802	4,569
Net amount	[3]	9,581	5,467
Derivative financial instruments liabilities 1 [member]
Disclosure of offsetting of financial assets and financial liabilities [Line Items]
Gross amounts (Financial Liabilities)		58,712	50,730
Amounts offset in the balance sheet		409	537
Net amounts presented in balance sheet		58,303	50,193
Impact of master netting agreements		31,576	26,674
Securities pledged as collateral	[1],[2]	10,866	7,837
Cash collateral		7,378	7,186
Net amount	[3]	8,483	8,496
Obligations related to securities sold under repurchase agreements and securities lent [member]
Disclosure of offsetting of financial assets and financial liabilities [Line Items]
Gross amounts (Financial Liabilities)		135,166	108,574
Amounts offset in the balance sheet		24,375	2,466
Net amounts presented in balance sheet		110,791	106,108
Impact of master netting agreements		5,738	11,386
Securities pledged as collateral	[1],[2]	104,266	94,291
Cash collateral		258	106
Net amount	[3]	$ 529	$ 325
[1]Certain amounts of collateral are restricted from being sold or repledged except in the event of default or the occurrence of other predetermined events.[2]Financial assets received/pledged as collateral are disclosed at fair value and limited to the net balance sheet exposure (i.e. any over-collateralization is excluded from the table).[3]Not intended to represent our actual exposure to credit risk.

Capital Management - Additional

Capital Management - Additional Information (Detail)				12 Months Ended
	Jul. 05, 2024	Jun. 18, 2024	Nov. 01, 2023	Oct. 31, 2024
Statement [Line Items]
Capital conservation buffer, percentage				2.50%
Common equity surcharge, percentage				1%
Domestic stability buffer, percentage		3.50%		3.50%
Increase (decrease) in capital floor adjustment percentage	2.50%
With Effect effective November 1, 2023 [Member] | Minimum [Member]
Statement [Line Items]
Domestic stability buffer, percentage			3%
With Effect effective November 1, 2023 [Member] | Maximum [Member]
Statement [Line Items]
Domestic stability buffer, percentage			3.50%
2025 [Member]
Statement [Line Items]
Capital floor adjustment percentage	67.50%
2026 [Member]
Statement [Line Items]
Capital floor adjustment percentage	70%
2027 [Member]
Statement [Line Items]
Capital floor adjustment percentage	72.50%

Capital Management - Summary of

Capital Management - Summary of Regulatory Capital Measure and Risk-Weighted Assets (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Fixed Rate of Instruments [Abstract]
CET1 Capital	$ 57,054	$ 52,914
Tier 1 Capital	64,735	59,785
Total Capital	73,911	68,718
TLAC	123,288	114,402
Risk-Weighted Assets	420,838	424,197
Leverage Exposures	$ 1,484,962	$ 1,413,036
CET1 Ratio	13.60%	12.50%
Tier 1 Capital Ratio	15.40%	14.10%
Total Capital Ratio	17.60%	16.20%
TLAC Ratio	29.30%	27%
Leverage Ratio	4.40%	4.20%
TLAC Leverage Ratio	8.30%	8.10%

Employee Compensation - Share_3

Employee Compensation - Share-Based Compensation - Additional Information (Detail) $ / shares in Units, shares in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($) $ / shares shares	Oct. 31, 2023 CAD ($) $ / shares shares
Disclosure of Sharebased Payment [Line Items]
Weighted average fair value of options granted | $ / shares	$ 15.33	$ 18.94
Other liabilities	$ 36,720,000,000	$ 48,284,000,000
Weighted average exercise price, options | $ / shares	$ 118.5	$ 122.31
Employee Stock Option Plan [Member]
Disclosure of Sharebased Payment [Line Items]
Employee compensation expense	$ 18,000,000	$ 20,000,000
Share purchase plan [member]
Disclosure of Sharebased Payment [Line Items]
Employee compensation expense	$ 49,000,000	$ 48,000,000
Percentage of employer matching contribution for contribution up to 6%	50%
Percentage of employee contribution towards share ownership plans	6%
Share purchase plan contribution vesting period	2 years
Individual gross salary for employees contribution	$ 75,000
Description of employee ownership plan contribution	50% of employee contributions up to 6% of their individual gross salary to a maximum of $75,000. Our contributions during the first two years vest after two years of participation in the plan, with subsequent contributions vesting immediately.
Common shares held in plan | shares	18.1	18.2
Mid-Term incentive plan [member]
Disclosure of Sharebased Payment [Line Items]
Employee compensation expense	$ 1,037,000,000	$ 605,000,000
Units granted	6,700,000	6,900,000
Weighted average fair value of options granted | $ / shares	$ 111.66	$ 129.18
Gains (losses) on hedge contract	$ 178,000,000	$ (223,000,000)
Deferred incentive plan outstanding	18,400,000	17,800,000
Intrinsic value of share other than options vested	$ 1,663,000,000	$ 1,361,000,000
Mid-Term incentive plan [member] | Equity contracts [member]
Disclosure of Sharebased Payment [Line Items]
Employee compensation expense	859,000,000	828,000,000
Deferred incentive plans [member]
Disclosure of Sharebased Payment [Line Items]
Employee compensation expense	$ 139,000,000	$ (76,000,000)
Deferred incentive plan outstanding	5,100,000	5,000,000
Deferred incentive plan units granted	300,000	200,000
Weighted average fair value at measurement date	$ 121.18	$ 123.64
Other liabilities	655,000,000	517,000,000
Gains (losses) on derivatives	107,000,000	(105,000,000)
Gains resulted in net employee compensation expense	32,000,000	29,000,000
Share ownership arrangements [Member] | Assets 1 [member] | Compensation trusts [member]
Disclosure of Sharebased Payment [Line Items]
Assets recognised	2,299,000,000	1,908,000,000
Deferred compensation arrangements [member] | Compensation trusts [member]
Disclosure of Sharebased Payment [Line Items]
Consolidated Trust Liabilities	313,000,000
Consolidated Trust Assets		306,000,000
Deferred compensation arrangements [member] | Assets 1 [member] | Compensation trusts [member]
Disclosure of Sharebased Payment [Line Items]
Assets recognised	$ 221,000,000	$ 175,000,000

Employee Compensation - Share_4

Employee Compensation - Share-Based Compensation - Summary of Information about our Stock Option Plan (Detail)	12 Months Ended
	Oct. 31, 2024 shares $ / shares	Oct. 31, 2023 shares $ / shares
Disclosure Of Number And Weighted Average Exercise Prices Of Share Options and awards [Line Items]
Weighted-average exercise price,Granted | $ / shares	$ 118.5	$ 122.31
Employee Stock Options [Member]
Disclosure Of Number And Weighted Average Exercise Prices Of Share Options and awards [Line Items]
Number of stock options, Outstanding at beginning of year | shares	6,312,576	5,976,870
Number of stock options, Granted | shares	1,113,853	1,322,817
Number of stock options, Exercised | shares	(811,652)	(724,853)
Number of stock options, Forfeited/cancelled | shares	(60,285)	(262,258)
Number of stock options, Outstanding at end of year | shares	6,554,492	6,312,576
Number of stock options, Exercisable at end of year | shares	2,856,460	2,759,935
Number of stock options, Available for grant | shares	9,565,914	10,619,482
Weighted-average exercise price, Outstanding at beginning of year | $ / shares	$ 105.26	$ 98.12
Weighted-average exercise price,Granted | $ / shares	118.5	122.31
Weighted-average exercise price,Exercised | $ / shares	82.74	76.12
Weighted-average exercise price,Forfeited/cancelled | $ / shares	122.22	109.19
Weighted-average exercise price,Outstanding at end of year | $ / shares	110.14	105.26
Weighted-average exercise price,Exercisable at end of year | $ / shares	$ 95.27	$ 89.99

Employee Compensation - Share_5

Employee Compensation - Share-Based Compensation - Summary of Options Outstanding and Exercisable by Range of Exercise Price (Detail) - Employee Stock Options [Member]	12 Months Ended
	Oct. 31, 2024 shares $ / shares	Oct. 31, 2023 shares $ / shares	Oct. 31, 2022 shares $ / shares
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options | shares	6,554,492	6,312,576	5,976,870
Weighted- average exercise price	$ 110.14	$ 105.26	$ 98.12
Number of stock options | shares	2,856,460	2,759,935
Weighted- average exercise price	$ 95.27	$ 89.99
Range of exercise prices $70.01 to $80.00 [member]
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options	332,980
Weighted- average remaining contractual life (years)	10 months 24 days
Weighted- average exercise price	$ 77.42
Number of stock options | shares	332,980
Weighted- average exercise price	$ 77.42
Range of exercise prices $80.01 to $90.00 [member]
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options	563,982
Weighted- average remaining contractual life (years)	4 years 1 month 6 days
Weighted- average exercise price	$ 89.9
Number of stock options | shares	563,982
Weighted- average exercise price	$ 89.9
Range of exercise prices $90.01 to $100.00 [member]
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options	1,185,672
Weighted- average remaining contractual life (years)	5 years
Weighted- average exercise price	$ 97.07
Number of stock options | shares	749,448
Weighted- average exercise price	$ 97.03
Range of exercise prices $100.01 to $120.00 [member]
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options | shares	2,281,462
Weighted- average remaining contractual life (years)	6 years 8 months 12 days
Weighted- average exercise price	$ 109.43
Number of stock options | shares	1,195,574
Weighted- average exercise price	$ 101.19
Range of exercise prices $120.01 and over [member]
Disclosure of range of exercise prices of share options [Line Items]
Number of stock options | shares	2,190,396
Weighted- average remaining contractual life (years)	7 years 8 months 12 days
Weighted- average exercise price	$ 128.14
Number of stock options | shares	14,476
Weighted- average exercise price	$ 135.58

Employee Compensation - Share_6

Employee Compensation - Share-Based Compensation - Summary of Further Information about our Stock Option Plan (Detail) - CAD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of number and weighted average exercise price of share options [abstract]
Unrecognized compensation cost for non-vested stock option awards	$ 12	$ 14
Cash proceeds from stock options exercised	$ 67	$ 55
Weighted-average share price for stock options exercised (in dollars)	$ 120.4	$ 123.01

Employee Compensation - Share_7

Employee Compensation - Share-Based Compensation - Summary of Ranges of Values used for each Option Pricing Assumption (Detail) - yr	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of terms and conditions of share-based payment arrangement [line items]
Expected dividend yield	4.50%
Expected share price volatility		20.90%
Risk-free rate of return		3.20%
Bottom of range [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Expected dividend yield		4.50%
Expected share price volatility	17.40%
Risk-free rate of return	3.30%
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 dividend yield		4.60%
Expected share price volatility	17.60%
Risk-free rate of return	3.40%
Expected period until exercise (in years)	7	7

Employee Compensation - Pensi_3

Employee Compensation - Pension and Other Employee Future Benefits - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of defined benefit plans [line items]
Estimated Benefit payments	$ 586
Other comprehensive loss write down of surplus assets	62
Pension Plans [member] | Scenario, Forecast [Member]
Disclosure of defined benefit plans [line items]
Estimated Benefit payments	43
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Other comprehensive loss write down of surplus assets	0
Other employee future benefit plans [member] | Employee Compensation Expense [Member]
Disclosure of defined benefit plans [line items]
Plan amendments gain loss	84
Other employee future benefit plans [member] | Scenario, Forecast [Member]
Disclosure of defined benefit plans [line items]
Estimated Benefit payments	45
Canadian plans [member] | Common shares [member]
Disclosure of defined benefit plans [line items]
Plan assets	$ 0	$ 0

Employee Compensation - Summary

Employee Compensation - Summary of Plan Information for Past Two Years (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure of defined benefit plans [line items]
Fair value of plan assets	$ 9,156	$ 8,148
Pension Plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation	8,365	7,513
Fair value of plan assets	9,431	8,559
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	1,063	1,046
Pension Plans [member] | Funded plans [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	1,223	1,209
Pension Plans [member] | Unfunded plans [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	(160)	(163)
Pension Plans [member] | Before effect of asset ceiling [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	1,066	1,046
Pension Plans [member] | Effect of asset ceiling [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	(3)
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation	954	880
Fair value of plan assets	245	138
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	(819)	(742)
Other employee future benefit plans [member] | Funded plans [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	44	81
Other employee future benefit plans [member] | Unfunded plans [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	(863)	(823)
Other employee future benefit plans [member] | Before effect of asset ceiling [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	(709)	$ (742)
Other employee future benefit plans [member] | Effect of asset ceiling [member]
Net surplus (deficit) is compromised of:
Net surplus (deficit), net of the effect of the asset ceiling	$ (110)

Employee Compensation - Summa_2

Employee Compensation - Summary of Pension and Other Employee Future Benefit Expenses (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Pension Plans [member]
Disclosure of defined benefit plans [line items]
Current service cost	$ 153	$ 163
Net interest (income) expense	(61)	(64)
Impact of plan amendments		(1)
Administrative expenses	11	10
Benefits expense	103	108
Government pension plans expense	375	361
Defined contribution expense	290	271
Total annual pension and other employee future benefit expenses (recovery) recognized in our Consolidated Statement of Income	768	740
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Current service cost	5	6
Net interest (income) expense	40	42
Impact of plan amendments	(84)	(51)
Remeasurement of other long-term benefits	5	9
Benefits expense	(34)	6
Total annual pension and other employee future benefit expenses (recovery) recognized in our Consolidated Statement of Income	$ (34)	$ 6

Employee Compensation - Summa_3

Employee Compensation - Summary of Pension and Other Employee Future Benefit Expenses (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Other employee future benefit plans [Member]
Disclosure of defined benefit plans [line items]
Net interest (income) expense on effect of asset ceiling	$ 3	$ 0
Pension Plan [Member]
Disclosure of defined benefit plans [line items]
Net interest (income) expense on effect of asset ceiling	$ 0	$ 0

Employee Compensation - Summa_4

Employee Compensation - Summary of Weighted-average Assumptions (Detail)		Oct. 31, 2024		Oct. 31, 2023
Pension Plans [member] | Defined Benefit Expenses [Member]
Disclosure of defined benefit plans [line items]
Discount rate at beginning of year	[1],[2]	5.80%		5.50%
Rate of compensation increase		2.10%		2.30%
Pension Plans [member] | Defined Benefit Obligation [Member]
Disclosure of defined benefit plans [line items]
Discount rate at beginning of year		4.90%		5.80%
Rate of compensation increase		2.10%		2.10%
Other employee future benefit plans [member] | Defined Benefit Expenses [Member]
Disclosure of defined benefit plans [line items]
Discount rate at beginning of year	[1],[2]	5.70%		5.50%
Assumed overall health care cost trend rate		4.80%	[3]	4.70%	[4]
Other employee future benefit plans [member] | Defined Benefit Obligation [Member]
Disclosure of defined benefit plans [line items]
Discount rate at beginning of year		4.80%		5.70%
Assumed overall health care cost trend rate		4.80%	[4]	4.80%	[3]
[1]The other employee future benefit plans current service cost was calculated using a separate discount rate of 5.7% and 5.5% for 2024 and 2023, respectively.[2]The pension benefit current service cost was calculated using a separate discount rate of 5.6% and 5.4% for 2024 and 2023, respectively.[3]Trending to 4.03% in 2040 and remaining at that level thereafter.[4]Trending to 4.00% in 2041 and remaining at that level thereafter.

Employee Compensation - Summa_5

Employee Compensation - Summary of Weighted-average Assumptions (Parenthetical) (Detail)		Oct. 31, 2024		Oct. 31, 2023
Pension Plans [member] | Current service costs [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates		5.60%		5.40%
Pension Plans [member] | Defined Benefit Expenses [Member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates	[1],[2]	5.80%		5.50%
Pension Plans [member] | Defined Benefit Obligation [Member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates		4.90%		5.80%
Other employee future benefit plans [member] | Current service costs [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates		5.70%		5.50%
Other employee future benefit plans [member] | Defined Benefit Expenses [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate		4.80%	[3]	4.70%	[4]
Actuarial assumption of discount rates	[1],[2]	5.70%		5.50%
Other employee future benefit plans [member] | Defined Benefit Expenses [Member] | 2040 [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate		4.03%
Other employee future benefit plans [member] | Defined Benefit Expenses [Member] | 2041 [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate		4%		4%
Other employee future benefit plans [member] | Defined Benefit Obligation [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate		4.80%	[4]	4.80%	[3]
Actuarial assumption of discount rates		4.80%		5.70%
Other employee future benefit plans [member] | Defined Benefit Obligation [Member] | 2040 [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate				4.03%
Other employee future benefit plans [member] | Defined Benefit Obligation [Member] | 2041 [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate		4%
[1]The other employee future benefit plans current service cost was calculated using a separate discount rate of 5.7% and 5.5% for 2024 and 2023, respectively.[2]The pension benefit current service cost was calculated using a separate discount rate of 5.6% and 5.4% for 2024 and 2023, respectively.[3]Trending to 4.03% in 2040 and remaining at that level thereafter.[4]Trending to 4.00% in 2041 and remaining at that level thereafter.

Employee Compensation - Summa_6

Employee Compensation - Summary of Current Life Expectancies Underlying the Amounts of the Defined Benefit Obligations (Detail)	Oct. 31, 2024	Oct. 31, 2023
Canada [member] | Retiring currently at age sixty five [member] | Male [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	24	23.9
Canada [member] | Retiring currently at age sixty five [member] | Female [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	24.3	24.3
Canada [member] | Currently aged forty five and retiring at age sixty five [member] | Male [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	24.9	24.8
Canada [member] | Currently aged forty five and retiring at age sixty five [member] | Female [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	25.2	25.2
United States [member] | Retiring currently at age sixty five [member] | Male [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	22	21.9
United States [member] | Retiring currently at age sixty five [member] | Female [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	23.3	23.3
United States [member] | Currently aged forty five and retiring at age sixty five [member] | Male [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	23.2	23.1
United States [member] | Currently aged forty five and retiring at age sixty five [member] | Female [member]
Disclosure of defined benefit plans [line items]
Life expectancy for members	24.5	24.5

Employee Compensation - Summa_7

Employee Compensation - Summary of Changes in Estimated Financial Positions of Defined Benefit Pension Plans and Other Employee Future Benefit Plans (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Pension Plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		$ 7,513
Current service cost		153	$ 163
Interest cost		61	64
Actuarial (gains) losses due to:
Changes in financial assumptions		(851)	349
Plan member experience		(31)	(46)
Foreign exchange and other		(3)	(8)
Defined benefit obligation at end of year		8,365	7,513
Net surplus (deficit), net of the effect of the asset ceiling		1,063	1,046
Actuarial gains (losses) recognized in other comprehensive income for the year		91	(5)
Pension Plans [member] | Present value of defined benefit obligation [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		7,513	7,082
Acquisition of defined benefit obligation	[1]		563
Settlements	[2]	(147)
Current service cost		153	163
Interest cost		418	393
Impact of plan amendments			(1)
Employer contributions		20	20
Benefits paid		(481)	(449)
Actuarial (gains) losses due to:
Changes in financial assumptions		851	(349)
Plan member experience		31	46
Foreign exchange and other		7	45
Defined benefit obligation at end of year		8,365	7,513
Wholly or partially funded defined benefit obligation		8,205	7,350
Unfunded defined benefit obligation		160	163
Pension Plans [member] | Plan assets [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		8,559	8,261
Acquisition of plan assets	[1]		487
Interest cost		479	457
Settlements	[2]	(147)
Return on plan assets (excluding interest income)		979	(300)
Employer contributions		25	50
Employee contributions		20	20
Benefits paid		(481)	(449)
Actuarial (gains) losses due to:
Administrative expenses		(12)	(10)
Foreign exchange and other		9	43
Defined benefit obligation at end of year		9,431	8,559
Net surplus (deficit), net of the effect of the asset ceiling		1,063	1,046
Actuarial gains (losses) recognized in other comprehensive income for the year		979	(300)
Pension Plans [member] | Effect of asset ceiling [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		(3)
Actuarial gains (losses) recognized in other comprehensive income for the year		(3)
Pension Plans [member] | Other assets [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		1,252	1,225
Pension Plans [member] | Other liabilities [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		(189)	(179)
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		880
Current service cost		5	6
Interest cost		(40)	(42)
Actuarial (gains) losses due to:
Changes in demographic assumptions		15	14
Changes in financial assumptions		(74)	17
Plan member experience		6	9
Defined benefit obligation at end of year		954	880
Net surplus (deficit), net of the effect of the asset ceiling		(819)	(742)
Actuarial gains (losses) recognized in other comprehensive income for the year		(159)	28
Other employee future benefit plans [member] | Present value of defined benefit obligation [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		880	928
Acquisition of defined benefit obligation	[1]		28
Current service cost		5	6
Interest cost		49	50
Impact of plan amendments		15	(51)
Employer contributions		6	6
Benefits paid		(59)	(58)
Actuarial (gains) losses due to:
Changes in demographic assumptions		(12)	(2)
Changes in financial assumptions		81	(19)
Plan member experience		(11)	(10)
Foreign exchange and other			2
Defined benefit obligation at end of year		954	880
Wholly or partially funded defined benefit obligation		91	57
Unfunded defined benefit obligation		863	823
Other employee future benefit plans [member] | Plan assets [member]
Disclosure of defined benefit plans [line items]
Defined benefit obligation at beginning of year		138	147
Interest cost		12	8
Impact of plan amendments		100
Return on plan assets (excluding interest income)		1	(12)
Employer contributions		45	45
Employee contributions		6	6
Benefits paid		(59)	(58)
Actuarial (gains) losses due to:
Foreign exchange and other		2	2
Defined benefit obligation at end of year		245	138
Net surplus (deficit), net of the effect of the asset ceiling		(819)	(742)
Actuarial gains (losses) recognized in other comprehensive income for the year		1	(12)
Other employee future benefit plans [member] | Effect of asset ceiling [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		(110)
Actuarial gains (losses) recognized in other comprehensive income for the year		(107)
Other employee future benefit plans [member] | Other assets [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		44	81
Other employee future benefit plans [member] | Other liabilities [member]
Actuarial (gains) losses due to:
Net surplus (deficit), net of the effect of the asset ceiling		$ (863)	$ (823)
[1]Relates to the defined benefit plan included in our acquisition of Bank of the West in fiscal 2023. Refer to Note 10 for further information.[2]We completed a buyout of our UK pension plan in the fourth quarter of 2024 whereby we transferred our defined benefit obligations and an equal amount of plan assets to a third-party insurer, who has assumed the responsibility of administering payments to the plan members. We do not have any further involvement in the plan. There was no pre-tax impact from this transfer. Deferred tax assets and liabilities related to the pension plan were reduced to $nil.

Employee Compensation - Summa_8

Employee Compensation - Summary of Changes in Estimated Financial Positions of Defined Benefit Pension Plans and Other Employee Future Benefit Plans (Parenthetical) (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)
Disclosure of defined benefit plans [line items]
Pre tax for impact of transfer of pension defined benefit plans	$ 0
Pension Plan [Member]
Disclosure of defined benefit plans [line items]
Deferred tax liability (asset)	$ 0

Employee Compensation - Summa_9

Employee Compensation - Summary Of Asset Allocation Ranges, Weighted-Average Actual Asset Allocations And Fair Values Of Plan Assets (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
% of total	100%	100%
Plan assets, at fair value	$ 9,156	$ 8,148
Level 1 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	1,156	1,093
Level 2 and 3 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	$ 8,000	$ 7,055
Equities [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
% of total	22%	20%
Plan assets, at fair value	$ 1,912	$ 1,588
Equities [Member] | Level 1 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	1,060	925
Equities [Member] | Level 2 and 3 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	$ 852	$ 663
Fixed Income Investments [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
% of total	49%	49%
Plan assets, at fair value	$ 4,563	$ 4,023
Fixed Income Investments [Member] | Level 1 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	96	168
Fixed Income Investments [Member] | Level 2 and 3 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	$ 4,467	$ 3,855
Alternative Strategies [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
% of total	29%	31%
Plan assets, at fair value	$ 2,681	$ 2,537
Alternative Strategies [Member] | Level 2 and 3 of fair value hierarchy [member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Plan assets, at fair value	$ 2,681	$ 2,537
Bottom of range [member] | Equities [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	15%	15%
Bottom of range [member] | Fixed Income Investments [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	40%	40%
Bottom of range [member] | Alternative Strategies [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	10%	10%
Top of range [member] | Equities [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	40%	40%
Top of range [member] | Fixed Income Investments [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	55%	60%
Top of range [member] | Alternative Strategies [Member]
Disclosure Of Detailed Information About Allocation Of Plan Assets And Weighted Average Actual Asset Allocations And Fair Value Of Plan Assets [Line Items]
Target range	35%	40%

Employee Compensation - Summ_10

Employee Compensation - Summary of Changes in Number of Key Assumption (Detail) $ in Millions	Oct. 31, 2024 CAD ($)
Pension Plans [member] | Actuarial assumption of discount rates [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates	4.90%
Pension Plans [member] | Actuarial assumption of discount rates [member] | Actuarial assumption of discount rates, 1% increase [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	$ (839)
Pension Plans [member] | Actuarial assumption of discount rates [member] | Actuarial assumption of discount rates, 1% decrease [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	$ 1,037
Pension Plans [member] | Actuarial assumption of expected rates of salary increases [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates	2.10%
Pension Plans [member] | Actuarial assumption of expected rates of salary increases [member] | Actuarial assumption of expected rate of compensation, 0.25% increase [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	$ 37
Pension Plans [member] | Actuarial assumption of expected rates of salary increases [member] | Actuarial assumption of expected rate of compensation, 0.25% decrease [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	(36)
Pension Plans [member] | Actuarial assumption of mortality rates [member] | Actuarial assumption of mortality, 1 year shorter life expectancy [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	154
Pension Plans [member] | Actuarial assumption of mortality rates [member] | Actuarial assumption of mortality, 1 year longer life expectancy [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	$ (157)
Other employee future benefit plans [member] | Actuarial assumption of discount rates [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates	4.80%
Other employee future benefit plans [member] | Actuarial assumption of discount rates [member] | Actuarial assumption of discount rates, 1% increase [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	$ (73)
Other employee future benefit plans [member] | Actuarial assumption of discount rates [member] | Actuarial assumption of discount rates, 1% decrease [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	86
Other employee future benefit plans [member] | Actuarial assumption of mortality rates [member] | Actuarial assumption of mortality, 1 year shorter life expectancy [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	20
Other employee future benefit plans [member] | Actuarial assumption of mortality rates [member] | Actuarial assumption of mortality, 1 year longer life expectancy [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	$ (20)
Other employee future benefit plans [member] | Actuarial assumption of health care cost trend rates [member]
Disclosure of defined benefit plans [line items]
Actuarial assumption of discount rates	4.80%	[1]
Other employee future benefit plans [member] | Actuarial assumption of health care cost trend rates [member] | Actuarial assumption of medical cost trend rate, 1% increase [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible increase in actuarial assumption	$ 29
Other employee future benefit plans [member] | Actuarial assumption of health care cost trend rates [member] | Actuarial assumption of medical cost trend rate, 1% decrease [member]
Disclosure of defined benefit plans [line items]
Increase (decrease) in benefit obligation due to reasonably possible decrease in actuarial assumption	$ (29)
[1]Trending to 4.00% in 2041 and remaining at that level thereafter.

Employee Compensation - Summ_11

Employee Compensation - Summary of Changes in Number of Key Assumption (Parenthetical) (Detail) - Defined benefit expenses [member] - Other employee future benefit plans [member]	Oct. 31, 2024		Oct. 31, 2023
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate	4.80%	[1]	4.70%	[2]
2041 [Member]
Disclosure of defined benefit plans [line items]
Assumed overall health care cost trend rate	4%		4%
[1]Trending to 4.03% in 2040 and remaining at that level thereafter.[2]Trending to 4.00% in 2041 and remaining at that level thereafter.

Employee Compensation - Summ_12

Employee Compensation - Summary of Duration of Defined Benefit Obligation (Detail) - yr	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Pension Plans [member] | Canada [member]
Disclosure of defined benefit plans [line items]
Duration of defined benefit obligation	13	12.1
Pension Plans [member] | United States [member]
Disclosure of defined benefit plans [line items]
Duration of defined benefit obligation	7.5	7.2
Other employee future benefit plans [member]
Disclosure of defined benefit plans [line items]
Duration of defined benefit obligation	11.7	11.2

Employee Compensation - Summ_13

Employee Compensation - Summary of Cash payments in connection with employee future benefit plans (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Pension Plans [member]
Disclosure of defined benefit plans and defined contribution plans [Line Items]
Net contributions (refund) to defined benefit plans	$ (25)	$ 7
Contributions to defined contribution plans	290	271
Benefits paid directly to pensioners	50	43
Cash payments made for employee future benefit plans	315	321
Other employee future benefit plans [member]
Disclosure of defined benefit plans and defined contribution plans [Line Items]
Benefits paid directly to pensioners	45	45
Cash payments made for employee future benefit plans	$ 45	$ 45

Income Taxes - Additional Infor

Income Taxes - Additional Information (Detail) - CAD ($) $ in Millions		3 Months Ended	12 Months Ended
	Dec. 15, 2022	Jan. 31, 2023	Oct. 31, 2024	Oct. 31, 2023	Nov. 01, 2022	Oct. 31, 2022
Disclosure of Income Tax [Line items]
Deferred income tax assets loss carryforwards			$ 3,024	$ 3,420	$ 1,542	$ 1,542
Temporary differences, unused tax losses and unused tax credits for which no deferred tax asset is recognized			947	1,018
Amount of unrecognized tax loss carryforwards			53	74
Temporary differences associated with repatriation of earnings from investments in subsidiaries, branches and associates and interests in joint arrangements for which deferred tax liabilities have not been recognised			27,000	24,000
One-time income tax expense, Canada recovery dividend, pro-rated fiscal 2022 impact		$ 59
One-time income tax expense, canada recovery dividend		312
One-time income tax expense		$ 371
One time income tax rate canada recovery dividend	15%
Exemption of average taxable income tax amount	$ 1,000
Increase in income tax rate	1.50%	1.50%
Increase in taxable amount prorated fiscal year	$ 100
2011 - 2018 taxation years [member]
Disclosure of Income Tax [Line items]
Additional income tax expense and interest			1,465
Canada [member] | Tax loss carryforwards [member]
Disclosure of Income Tax [Line items]
Deferred income tax assets loss carryforwards			20	6
United States [member] | Tax loss carryforwards [member]
Disclosure of Income Tax [Line items]
Deferred income tax assets loss carryforwards			$ 3	$ 7

Income Taxes - Summary of Provi

Income Taxes - Summary of Provision for Income Taxes (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure representing major components of tax expense income [line items]
Current taxes	$ 2,055	$ 2,220
Adjustments for current tax of prior periods		(2)
Origination and reversal of temporary differences	150	(687)
Effect of changes in tax rates	3	(21)
Provision for taxes	2,208	1,510
Unrealized gains (losses) on FVOCI debt securities	79	(35)
Reclassification to earnings of (gains) on FVOCI debt securities	(31)	(11)
Gains (losses) on derivatives designated as cash flow hedges	966	(576)
Reclassification to earnings/goodwill of losses on derivatives designated as cash flow hedges	536	366
Unrealized (losses) on hedges of net foreign operations	(38)	(90)
Unrealized gains on FVOCI equity securities	3
(Losses) on remeasurement of pension and other employee future benefit plans	1	24
(Losses) on remeasurement of own credit risk on financial liabilities designated at fair value	(242)	(103)
Share-based compensation	(4)	4
Aggregate provision for income tax in Other Comprehensive Income and Equity	1,270	(421)
Total provision for income taxes	3,478	1,089
Canada [member]
Disclosure representing major components of tax expense income [line items]
Federal current taxes	813	509
Provincial current taxes	453	278
Current taxes	1,266	787
Federal Deferred taxes	133	(475)
Provincial deferred taxes	74	(261)
Deferred taxes	207	(736)
Total provision for income taxes	1,473	51
Foreign countries [member]
Disclosure representing major components of tax expense income [line items]
Current taxes	1,764	933
Deferred taxes	241	105
Total provision for income taxes	$ 2,005	$ 1,038

Income Taxes - Summary of Effec

Income Taxes - Summary of Effective Tax Rates (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Statement [Line Items]
Combined Canadian federal and provincial income taxes at the statutory tax rate	$ 2,651	$ 1,654
Tax-exempt income from securities	(45)	(265)
Foreign operations subject to different tax rates	(365)	(233)
Change in tax rate for deferred income taxes	3
Income attributable to investments in associates and joint ventures	(36)	(31)
Net impact of certain Canadian tax measures		371
Other		14
Provision for income taxes in our Consolidated Statement of Income and effective tax rate	$ 2,208	$ 1,510
Combined Canadian federal and provincial income taxes at the statutory tax rate	27.80%	27.80%
Tax-exempt income from securities	(0.50%)	(4.50%)
Foreign operations subject to different tax rates	(3.80%)	(4.00%)
Income attributable to investments in associates and joint ventures	(0.30%)	(0.50%)
Net impact of certain Canadian tax measures		6.30%
Other		0.30%
Provision for income taxes in our Consolidated Statement of Income and effective tax rate	23.20%	25.40%

Income Taxes - Summary of Compo

Income Taxes - Summary of Components of Deferred Income Tax Balances (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024		Oct. 31, 2023		Nov. 01, 2022	Oct. 31, 2022
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		$ 3,404		$ 1,440
Bank of the West acquisitions				1,273
Benefit (expense) to Income statement		(153)		708
Benefit (expense) to equity		(295)		(77)
Translation and other		67		60
Ending balance of net asset		3,023		3,404
Comprising
Deferred tax assets		3,024		3,420		$ 1,542	$ 1,542
Deferred tax liabilities		(1)		(16)			(102)
Net deferred tax assets (liabilities)		3,023		3,404			$ 1,440
Allowance for credit losses [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		893		605
Bank of the West acquisitions				96
Benefit (expense) to Income statement		449		182
Translation and other		1		10
Ending balance of net asset		1,343		893
Employee future benefits [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		264		256
Benefit (expense) to Income statement		3		21
Benefit (expense) to equity		15		(14)
Translation and other				1
Ending balance of net asset		282		264
Deferred compensation benefits [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		783		708
Bank of the West acquisitions				115
Benefit (expense) to Income statement		(35)		(50)
Translation and other		1		10
Ending balance of net asset		749		783
Other comprehensive income [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		522		573
Benefit (expense) to equity		(298)		(51)
Ending balance of net asset		224		522
Premises and equipment [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		(343)		(511)
Bank of the West acquisitions				(179)
Benefit (expense) to Income statement		(136)		359
Translation and other		(1)		(12)
Ending balance of net asset		(480)		(343)
Pension benefits [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		(395)		(370)
Bank of the West acquisitions				25
Benefit (expense) to Income statement		73		(41)
Benefit (expense) to equity		(16)		(9)
Ending balance of net asset		(338)		(395)
Goodwill and intangible assets [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		(913)		(244)
Bank of the West acquisitions				(767)
Benefit (expense) to Income statement		107		134
Translation and other		1		(36)
Ending balance of net asset		(805)		(913)
Securities [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		987		142
Bank of the West acquisitions				1,086
Benefit (expense) to Income statement		(119)		(286)
Translation and other		(1)		45
Ending balance of net asset		867		987
Deferred Tax Asset Liability Other [member]
Disclosure of components of deferred tax assets and liabilities [line items]
Beginning balance of net asset		1,606		281
Bank of the West acquisitions	[1]			897
Benefit (expense) to Income statement		(495)	[2]	389	[3]
Benefit (expense) to equity		4		(3)
Translation and other		66		42
Ending balance of net asset		$ 1,181		$ 1,606
[1]Includes the tax impact of deferred revenue and purchase accounting adjustments in connection with our acquisition of Bank of the West.[2]Includes the tax impact of the legal provision reversal recorded in relation to the lawsuit described in Note 25.[3]Includes the tax impact of interest rate swaps and securities we purchased to mitigate the impact of changes in interest rates in our acquisition of Bank of the West (refer to Note 10 for additional details) and the tax impact of leasing assets.

Earnings Per Share - Summary of

Earnings Per Share - Summary of Basic and Diluted Earnings Per Share (Detail) - CAD ($) $ / shares in Units, $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Basic Earnings Per Common Share
Net income attributable to bank shareholders		$ 7,318	$ 4,425
Dividends on preferred shares and distributions on other equity instruments		(386)	(331)
Net income available to common shareholders		$ 6,932	$ 4,094
Weighted-average number of common shares outstanding		727,738,000	709,364,000
Basic earnings per common share		$ 9.52	$ 5.77
Diluted Earnings Per Common Share
Net income available to common shareholders		$ 6,932	$ 4,094
Weighted-average number of common shares outstanding		727,738,000	709,364,000
Effect of dilutive instruments
Stock options potentially exercisable	[1]	3,556,000	4,440,000
Common shares potentially repurchased		(2,759,000)	(3,289,000)
Weighted-average number of diluted common shares outstanding		728,535,000	710,515,000
Diluted earnings per common share		$ 9.51	$ 5.76
[1]In computing diluted earnings per common share, we excluded average stock options outstanding of 3,220,995 with a weighted-average exercise price of $130.33 for the year ended October 31, 2024 (2,204,402 with a weighted-average exercise price of $135.69 for the year ended October 31, 2023), as the average share price in each of the two years did not exceed the exercise price.

Earnings Per Share - Summary _2

Earnings Per Share - Summary of Basic and Diluted Earnings Per Share (Parenthetical) (Detail) - Dilutive potential shares from stock options [Member] - $ / shares	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Earnings per share [line items]
Outstanding options excluded from calculation of diluted earnings per share	3,220,995	2,204,402
Weighted-average exercise price	$ 130.33	$ 135.69

Commitments, Guarantees, Pled_3

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Summary of Maximum Amounts Payable Under Various Commitments (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments		$ 307,633	$ 288,275
Financial Guarantees [Member] | Standby letters of credit [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments		30,523	29,656
Financial Guarantees [Member] | Credit default swaps [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments	[1]	16,211	10,010
Other Credit Instruments [Member] | Backstop liquidity facilities [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments		18,224	18,805
Other Credit Instruments [Member] | Documentary and commercial letters of credit [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments		1,893	1,763
Other Credit Instruments [Member] | Commitments to extend credit [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments	[2]	230,689	218,094
Other Credit Instruments [Member] | Other commitments [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Maximum potential amount of future payments	[3]	$ 10,093	$ 9,947
[1]The fair value of the related derivatives included in our Consolidated Balance Sheet was $8 million as at October 31, 2024 ($3 million as at October 31, 2023).[2]Commitments to extend credit exclude personal lines of credit and credit cards that are unconditionally cancellable at our discretion.[3]Other commitments include $4,511 million as at October 31, 2024 ($5,611 million as at October 31, 2023) of underwriting commitments that are extended but not yet accepted by the borrower.

Commitments, Guarantees, Pled_4

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Summary of Maximum Amount Payable Under Various Commitments (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Fair value of derivative liabilities	$ 8	$ 3
Other commitments	$ 4,511	$ 5,611

Commitments, Guarantees, Pled_5

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Summary of Pledged Assets collateral and Activities (Detail) - CAD ($) $ in Millions		Oct. 31, 2024	Oct. 31, 2023
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		$ 371,350	$ 364,387
Bank assets [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		221,366	219,570
Bank assets [member] | Cash and due from banks [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		80	125
Bank assets [member] | Securities [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral	[1]	139,553	114,407
Bank assets [member] | Loans [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		71,419	94,442
Bank assets [member] | Other assets [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		10,314	10,596
Third-party Assets [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Collateral received and available for sale or re-pledging	[2]	195,071	191,148
Less: Collateral not sold or re-pledged	[2]	(45,087)	(46,331)
Pledged assets and collateral	[2]	149,984	144,817
Clearing systems, payment systems and depositories [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		26,203	18,096
Foreign governments and central banks [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		46	89
Obligations related to securities sold short [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		35,030	43,774
Obligations related to securities sold under repurchase agreements [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		97,878	92,549
Securities borrowing and lending [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral	[3]	99,405	87,136
Derivative transactions [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		19,224	14,983
Securitization [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		23,739	27,058
Covered bonds [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral		27,235	29,802
Others [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Pledged assets and collateral	[4]	$ 42,590	$ 50,900
[1]Includes NHA MBS of $0 million, which are included in loans in our Consolidated Balance Sheet ($4,481 million as at October 31, 2023).[2]Includes on-balance sheet securities borrowed or purchased under resale agreements and off-balance sheet collateral received.[3]Includes off-balance sheet securities borrowing and lending.[4]Includes $0 million of assets that have been pledged supporting FHLB activity ($41,510 million as at October 31, 2023).

Commitments, Guarantees, Pled_6

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Summary of Pledged Assets collateral and Activities (Parenthetical) (Detail) - CAD ($) $ in Millions	Oct. 31, 2024	Oct. 31, 2023
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Assets pledged as collateral	$ 371,350	$ 364,387
Federal Home Loan Bank Loans [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Assets pledged as collateral	21,235	41,510
Bank assets [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Assets pledged as collateral	221,366	219,570
Bank assets [member] | Securities [member] | NHA mortgaged back securities [member]
Disclosure commitments guarantees pledged assets provisions and contingent liabilities [line items]
Assets pledged as collateral	$ 5,492	$ 4,481

Commitments, Guarantees, Pled_7

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Additional Information (Detail) $ in Millions, $ in Millions			12 Months Ended
	Aug. 22, 2023 USD ($)	Nov. 08, 2022 USD ($)	Oct. 31, 2024 CAD ($)	Oct. 31, 2023 CAD ($)
Disclosure of Commitments Pledged Assets Provisions and Contingent Liabilities [Line Items]
Lease Commitments			$ 80	$ 94
Reversal of loss contingency accrual provision			1,190
Reversal of loss contingency accrual provision after tax			875
Litigation settlement pre-judgment interest	5.26%
Litigation settlement post-judgment interest	4.74%
Litigation settlement, amount awarded to other party	$ 483	$ 564
Reversal of legal provision accrual non-interest expenses			594
Reversal of legal provision accrual interest expenses			$ 596

Commitments, Guarantees, Pled_8

Commitments, Guarantees, Pledged Assets, Provisions and Contingent Liabilities - Summary of Changes In Provision Balance (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of Commitments Pledged Assets Provisions and Contingent Liabilities [Line Items]
Balance at beginning of year	$ 1,578	$ 1,277
Additional provisions/increase in provisions	168	576
Provisions utilized	(229)	(258)
Amounts reversed	(1,255)	(38)
Foreign exchange and other	(3)	21
Balance at end of year	259	1,578
Restructuring and severance [member]
Disclosure of Commitments Pledged Assets Provisions and Contingent Liabilities [Line Items]
Balance at beginning of year	335	109
Additional provisions/increase in provisions	101	388
Provisions utilized	(210)	(142)
Amounts reversed	(59)	(27)
Foreign exchange and other	(3)	7
Balance at end of year	164	335
Legal [member]
Disclosure of Commitments Pledged Assets Provisions and Contingent Liabilities [Line Items]
Balance at beginning of year	1,243	1,168
Additional provisions/increase in provisions	67	188
Provisions utilized	(19)	(116)
Amounts reversed	(1,196)	(11)
Foreign exchange and other		14
Balance at end of year	$ 95	$ 1,243

Operating and Geographic Segm_3

Operating and Geographic Segmentation - Additional Information (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($) Professionals Segments Branch ATM Business Locations	Oct. 31, 2023 CAD ($)
Disclosure of operating segments [line items]
Number of operating groups | Business	3
Taxable equivalent basis adjustment amount | $	$ 58	$ 354
Personal and commercial banking [member]
Disclosure of operating segments [line items]
Number operating segments | Segments	2
Number of branches through which the services are provided to the customers | Branch	900
Number of automated teller machines through which the services are provided to the customers | ATM	3,200
US Personal and Commercial Banking [member]
Disclosure of operating segments [line items]
Number of branches through which the services are provided to the customers | Branch	1,000
Number of automated teller machines through which the services are provided to the customers | ATM	40,000
BMO CM [member]
Disclosure of operating segments [line items]
Number of professionals in lines of business | Professionals	2,700
Number of operating locations | Locations	30

Operating and Geographic Segm_4

Operating and Geographic Segmentation - Summary of Average Assets, Grouped by Operating Segment (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of operating segments [line items]
Net interest income	$ 19,468	$ 18,681
Non-interest revenue	13,327	10,578
Total Revenue	32,795	29,259
Total provision for (recovery of) credit losses	3,761	2,178
Depreciation and amortization	2,110	2,092
Non-interest expense	17,389	19,042
Income Before Provision for Income Taxes	9,535	5,947
Provision for (recovery of) income taxes	2,208	1,510
Reported net income (loss)	7,327	4,437
Non-controlling interest in subsidiaries	9	12
Net income (loss) attributable to bank shareholders	7,318	4,425
Average assets	1,369,415	1,299,524
Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	3,066	1,180
Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	695	998
Canadian P&C [member]
Disclosure of operating segments [line items]
Net interest income	8,852	8,043
Non-interest revenue	2,587	2,516
Total Revenue	11,439	10,559
Total provision for (recovery of) credit losses	1,659	909
Depreciation and amortization	590	573
Non-interest expense	4,415	4,150
Income Before Provision for Income Taxes	4,775	4,927
Provision for (recovery of) income taxes	1,318	1,354
Reported net income (loss)	3,457	3,573
Net income (loss) attributable to bank shareholders	3,457	3,573
Average assets	327,883	310,323
Canadian P&C [member] | Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	1,326	724
Canadian P&C [member] | Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	333	185
US P&C [member]
Disclosure of operating segments [line items]
Net interest income	8,162	7,607
Non-interest revenue	1,602	1,573
Total Revenue	9,764	9,180
Total provision for (recovery of) credit losses	1,663	506
Depreciation and amortization	957	891
Non-interest expense	4,941	4,553
Income Before Provision for Income Taxes	2,203	3,230
Provision for (recovery of) income taxes	374	741
Reported net income (loss)	1,829	2,489
Non-controlling interest in subsidiaries	2	6
Net income (loss) attributable to bank shareholders	1,827	2,483
Average assets	236,341	211,864
US P&C [member] | Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	1,274	364
US P&C [member] | Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	389	142
BMO WM [member]
Disclosure of operating segments [line items]
Net interest income	1,313	1,380
Non-interest revenue	4,333	4,031
Total Revenue	5,646	5,411
Total provision for (recovery of) credit losses	31	18
Depreciation and amortization	264	288
Non-interest expense	3,704	3,590
Income Before Provision for Income Taxes	1,647	1,515
Provision for (recovery of) income taxes	399	369
Reported net income (loss)	1,248	1,146
Net income (loss) attributable to bank shareholders	1,248	1,146
Average assets	64,674	60,092
BMO WM [member] | Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	26	5
BMO WM [member] | Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	5	13
BMO CM [member]
Disclosure of operating segments [line items]
Net interest income	1,731	2,490
Non-interest revenue	4,785	3,902
Total Revenue	6,516	6,392
Total provision for (recovery of) credit losses	369	18
Depreciation and amortization	299	340
Non-interest expense	3,979	3,938
Income Before Provision for Income Taxes	1,869	2,096
Provision for (recovery of) income taxes	377	471
Reported net income (loss)	1,492	1,625
Net income (loss) attributable to bank shareholders	1,492	1,625
Average assets	468,963	466,030
BMO CM [member] | Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	367	9
BMO CM [member] | Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	2	9
Corporate services [member]
Disclosure of operating segments [line items]
Net interest income	(590)	(839)
Non-interest revenue	20	(1,444)
Total Revenue	(570)	(2,283)
Total provision for (recovery of) credit losses	39	727
Non-interest expense	350	2,811
Income Before Provision for Income Taxes	(959)	(5,821)
Provision for (recovery of) income taxes	(260)	(1,425)
Reported net income (loss)	(699)	(4,396)
Non-controlling interest in subsidiaries	7	6
Net income (loss) attributable to bank shareholders	(706)	(4,402)
Average assets	271,554	251,215
Corporate services [member] | Impaired Loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	73	78
Corporate services [member] | Performing loans [member]
Disclosure of operating segments [line items]
Total provision for (recovery of) credit losses	$ (34)	$ 649

Operating and Geographic Segm_5

Operating and Geographic Segmentation - Summary of Average Assets, Grouped by Operating Segment (Parenthetical) (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of operating segments [line items]
Average Earning Assets	$ 1,237,245	$ 1,145,870
Canadian Personal and Commercial Banking [member]
Disclosure of operating segments [line items]
Average Earning Assets	319,795	296,164
United States Personal and Commercial Banking [member]
Disclosure of operating segments [line items]
Average Earning Assets	215,987	195,363
All Other Operating Segments [member]
Disclosure of operating segments [line items]
Average Earning Assets	$ 701,463	$ 654,343

Operating and Geographic Segm_6

Operating and Geographic Segmentation - Summary of Average Assets, Grouped by Geographic Region (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of geographical areas [line items]
Total Revenue	$ 32,795	$ 29,259
Income (loss) before taxes	9,535	5,947
Reported net income	7,327	4,437
Average Assets	1,369,415	1,299,524
Canada [member]
Disclosure of geographical areas [line items]
Total Revenue	16,107	15,087
Income (loss) before taxes	4,434	4,635
Reported net income	3,199	3,194
Average Assets	692,750	665,025
United States [member]
Disclosure of geographical areas [line items]
Total Revenue	14,465	11,836
Income (loss) before taxes	3,547	(176)
Reported net income	2,865	29
Average Assets	613,098	572,434
Other international non CAN non US [member]
Disclosure of geographical areas [line items]
Total Revenue	2,223	2,336
Income (loss) before taxes	1,554	1,488
Reported net income	1,263	1,214
Average Assets	$ 63,567	$ 62,065

Significant Subsidiaries - Summ

Significant Subsidiaries - Summary of Significant Operating Subsidiaries (Detail) $ in Millions	12 Months Ended
	Oct. 31, 2024 CAD ($)
AIR MILES Loyalty Inc. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	AIR MILES Loyalty Inc.
Head or principal office	Toronto, Canada
Book value of shares owned by the bank	$ 157
Bank of Montreal (China) Co. Ltd. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	Bank of Montreal (China) Co. Ltd.
Head or principal office	Beijing, China
Book value of shares owned by the bank	$ 501
Bank of Montreal Europe Public Limited Company [Member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	Bank of Montreal Europe Public Limited Company
Head or principal office	Dublin, Ireland
Book value of shares owned by the bank	$ 1,319
Bank of Montreal Holding Inc. and subsidiaries [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	Bank of Montreal Holding Inc. and subsidiaries
Head or principal office	Toronto, Canada
Book value of shares owned by the bank	$ 35,530
Bank of Montreal Mortgage Corporation [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	Bank of Montreal Mortgage Corporation
Head or principal office	Calgary, Canada
BMO Mortgage Corp. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Mortgage Corp.
Head or principal office	Vancouver, Canada
BMO Investments Inc. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Investments Inc.
Head or principal office	Toronto, Canada
BMO Investments Limited [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Investments Limited
Head or principal office	Hamilton, Bermuda
BMO Reinsurance Limited [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Reinsurance Limited
Head or principal office	St. Michael, Barbados
BMO InvestorLine Inc. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO InvestorLine Inc.
Head or principal office	Toronto, Canada
BMO Nesbitt Burns Inc. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Nesbitt Burns Inc.
Head or principal office	Toronto, Canada
BMO Private Equity (Canada) Inc [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Private Equity (Canada) Inc.
Head or principal office	Toronto, Canada
BMO Capital Markets Limited [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Capital Markets Limited
Head or principal office	London, England
Book value of shares owned by the bank	$ 361
BMO Capital Partners Inc [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Capital Partners Inc.
Head or principal office	Toronto, Canada
Book value of shares owned by the bank	$ 936
BMO Financial Corp. and subsidiaries [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Financial Corp. and subsidiaries
Head or principal office	Chicago, United States
Book value of shares owned by the bank	$ 54,698
BMO Bank National Association [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Bank National Association
Head or principal office	Chicago, United States
BMO Capital Markets Corp. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Capital Markets Corp.
Head or principal office	New York, United States
BMO japan securities ltd. [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Japan Securities Ltd.
Head or principal office	Tokyo, Japan
Book value of shares owned by the bank	$ 6
BMO Life Insurance Company and subsidiaries [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Life Insurance Company and subsidiaries
Head or principal office	Toronto, Canada
Book value of shares owned by the bank	$ 1,246
BMO Life Holdings (Canada), ULC [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Life Holdings (Canada), ULC
Head or principal office	Halifax, Canada
BMO Life Assurance Company [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Life Assurance Company
Head or principal office	Toronto, Canada
BMO Trust Company [member]
Disclosure of subsidiaries [line items]
Significant subsidiaries	BMO Trust Company
Head or principal office	Toronto, Canada
Book value of shares owned by the bank	$ 543

Significant Subsidiaries - Su_2

Significant Subsidiaries - Summary of Significant Operating Subsidiaries (Parenthetical) (Detail)	12 Months Ended
	Oct. 31, 2024
Disclosure of subsidiaries [abstract]
Voting rights held in subsidiaries	100%

Related Party Transactions - Su

Related Party Transactions - Summary of Compensation of Key Management Personnel (Detail) - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure of amounts incurred by entity for provision of key management personnel services provided by separate management entities [abstract]
Base salary and incentives		$ 20	$ 22
Post-employment benefits		2	2
Share-based payments	[1]	37	49
Total key management personnel compensation		$ 59	$ 73
[1]Amounts included in share-based payments are the fair values of awards granted in the year.

Related Party Transactions - Ad

Related Party Transactions - Additional Information (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Disclosure of transactions between related parties [line items]
Allowance for credit losses	$ 4,936	$ 4,267
Key management personnel directors and their close family members [member]
Disclosure of transactions between related parties [line items]
Loans to related party	19	16
Allowance for credit losses	$ 0	$ 0

Related Party Transactions - _2

Related Party Transactions - Summary of Carrying amount in Joint Venture and Asoociated Companies (Detail) - CAD ($) $ in Millions	12 Months Ended
	Oct. 31, 2024	Oct. 31, 2023
Joint ventures where entity is venturer [member]
Disclosure of associates [line items]
Carrying amount	$ 907	$ 679
Share of net income	93	61
Associates [member]
Disclosure of associates [line items]
Carrying amount	820	782
Share of net income	$ 114	$ 124

Related Party Transactions - _3

Related Party Transactions - Summary of Transaction With Joint Ventures and Associates (Detail) - Associates and joint ventures [member] - CAD ($) $ in Millions		12 Months Ended
		Oct. 31, 2024	Oct. 31, 2023
Disclosure of transactions between related parties [line items]
Loans	[1],[2]	$ 1,864	$ 1,525
Deposits		241	265
Fees paid for services received		66	58
Guarantees and commitments		$ 210	$ 98
[1]Includes customers’ liability under acceptances.[2]We had no ACL on impaired loans related to these amounts as at October 31, 2024 and 2023.