The Bank of Nova Scotia (BNS) 6-K 25 Feb 20 2020 Q1 Current report (foreign) Financial data

Cover Page

Cover Page	3 Months Ended
	Jan. 31, 2020
Cover [Abstract]
Document Type	6-K
Amendment Flag	false
Document Period End Date	Jan. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Registrant Name	BANK OF NOVA SCOTIA
Entity Central Index Key	0000009631
Current Fiscal Year End Date	--10-31

Consolidated Statement of Finan

Consolidated Statement of Financial Position - CAD ($) $ in Millions		Jan. 31, 2020	Oct. 31, 2019
Assets
Cash and deposits with financial institutions	[1]	$ 69,291	$ 46,720
Precious metals		3,616	3,709
Trading assets
Securities		128,071	112,664
Loans		15,815	13,829
Other		845	995
Total trading assets		144,731	127,488
Securities purchased under resale agreements and securities borrowed		146,432	131,178
Derivative financial instruments		43,083	38,119
Investment securities		78,003	82,359
Loans
Residential mortgages		268,670	268,169
Personal loans		96,703	98,631
Credit cards		17,715	17,788
Business and government		214,212	212,972
Loans and receivables gross		597,300	597,560
Allowance for credit losses		5,021	5,077
Loans and receivables		592,279	592,483
Other
Customers' liability under acceptances, net of allowance		21,364	13,896
Property and equipment	[2]	6,103	2,669
Investments in associates		2,327	5,614
Goodwill and other intangible assets		17,191	17,465
Deferred tax assets		1,718	1,570
Other assets		27,884	22,891
Other Assets		76,587	64,105
Total assets		1,154,022	1,086,161
Deposits
Personal		223,881	224,800
Business and government		488,658	461,851
Financial institutions		51,311	46,739
Deposits		763,850	733,390
Financial instruments designated at fair value through profit or loss		12,994	12,235
Other
Acceptances		21,389	13,901
Obligations related to securities sold short		32,439	30,404
Derivative financial instruments		43,139	40,222
Obligations related to securities sold under repurchase agreements and securities lent		143,019	124,083
Subordinated debentures		7,295	7,252
Other liabilities	[2]	60,036	54,482
Other Liabilities		307,317	270,344
Total liabilities		1,084,161	1,015,969
Equity
Retained earnings		45,418	44,439
Accumulated other comprehensive income (loss)		(543)	570
Other reserves		362	365
Total common equity		63,485	63,638
Total equity attributable to equity holders of the Bank		67,369	67,522
Non-controlling interests in subsidiaries		2,492	2,670
Total equity		69,861	70,192
Total liabilities and equity		1,154,022	1,086,161
Common shares [member]
Equity
Common shares		18,248	18,264
Preference shares [member]
Equity
Preferred shares and other equity instruments		$ 3,884	$ 3,884
[1]	Net of impairment allowances of $2 (October 31, 2019–$3).
[2]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Note 3 and 4).

Consolidated Statement of Incom

Consolidated Statement of Income - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2020		Oct. 31, 2019	Jan. 31, 2019
Interest income
Loans	[1]	$ 7,387		$ 7,371	$ 7,091
Securities	[1]	550		562	516
Securities purchased under resale agreements and securities borrowed	[1]	99		106	130
Deposits with financial institutions	[1]	200		213	254
Interest income	[1]	8,236		8,252	7,991
Interest expense
Deposits		3,329		3,477	3,335
Subordinated debentures		70		83	61
Other	[2]	445		356	321
Interest expenses		3,844		3,916	3,717
Net interest income		4,392		4,336	4,274
Non-interest income
Card revenues		265		245	244
Banking services fees		441		473	433
Credit fees		340		345	324
Mutual funds		495		476	447
Brokerage fees		224		226	216
Investment management and trust		251		263	257
Underwriting and other advisory		164		146	92
Non-trading foreign exchange		185		161	160
Trading revenues		486		376	329
Net gain on sale of investment securities		41		125	22
Net income from investments in associated corporations		91		161	129
Insurance underwriting income, net of claims		149		158	184
Other fees and commissions		188		221	252
Other		429		256	241
Total non-interest income		3,749		3,632	3,330
Total revenue		8,141		7,968	7,604
Provision for credit losses		926		753	688
Profit from operating activity		7,215		7,215	6,916
Non-interest expenses
Salaries and employee benefits		2,295		2,115	2,164
Premises and technology	[2]	610		712	696
Depreciation and amortization	[2]	399		271	248
Communications		109		118	109
Advertising and business development		133		174	139
Professional		185		243	218
Business and capital taxes		141		126	137
Other		546		552	460
Total non-interest expenses		4,418		4,311	4,171
Income before taxes		2,797		2,904	2,745
Income tax expense		471		596	498
Net income		2,326	[3]	2,308	2,247
Net income attributable to non-controlling interests in subsidiaries		39		107	111
Net income attributable to equity holders of the Bank		2,287		2,201	2,136
Preferred shareholders and other equity instrument holders		25		64	29
Common shareholders		$ 2,262		$ 2,137	$ 2,107
Earnings per common share (in dollars)
Basic	[4]	$ 1.86		$ 1.76	$ 1.72
Diluted	[4]	1.84		1.73	1.71
Dividends paid per common share (in dollars)		$ 0.90		$ 0.90	$ 0.85
[1]	Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $8,115 for the quarter ended January 31, 2020 (October 31, 2019 – $8,146; January 31, 2019 – $7,923).
[2]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior period amounts have not been restated (refer to Notes 3 and 4).
[3]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).
[4]	Earnings per share calculations are based on full dollar and share amounts.

Consolidated Statement of Inc_2

Consolidated Statement of Income (Parenthetical) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Profit or loss [abstract]
Interest income calculated using effective interest method	$ 8,115	$ 8,146	$ 7,923

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020		Oct. 31, 2019	Jan. 31, 2019
Statement of comprehensive income [abstract]
Net income	$ 2,326	[1]	$ 2,308	$ 2,247
Net change in unrealized foreign currency translation gains (losses):
Net unrealized foreign currency translation gains (losses)	(1,186)		(966)	805
Net gains (losses) on hedges of net investments in foreign operations	229		82	(184)
Income tax expense (benefit):
Net unrealized foreign currency translation gains (losses)	1		19	7
Net gains (losses) on hedges of net investments in foreign operations	60		22	(48)
Other comprehensive income on foreign currency translation and hedges of net investments net of tax	(1,018)		(925)	662
Net change in fair value due to change in debt instruments measured at fair value through other comprehensive income:
Net gains (losses) in fair value	174		163	443
Reclassification of net (gains) losses to net income	(75)		(217)	(371)
Income tax expense (benefit):
Net gains (losses) in fair value	72		28	125
Reclassification of net (gains) losses to net income	(25)		(50)	(110)
Other comprehensive income net of tax available for sale financial assets net of tax	52		(32)	57
Net change in gains (losses) on derivative instruments designated as cash flow hedges:
Net gains (losses) on derivative instruments designated as cash flow hedges	227		618	721
Reclassification of net (gains) losses to net income	(122)		(481)	(374)
Income tax expense (benefit):
Net gains (losses) on derivative instruments designated as cash flow hedges	67		155	191
Reclassification of net (gains) losses to net income	(37)		(119)	(101)
Other comprehensive income net of tax cash flow hedges	75		101	257
Other comprehensive income (loss) from investments in associates	(27)		21	19
Net change in remeasurement of employee benefit plan asset and liability:
Actuarial gains (losses) on employee benefit plans	(358)		75	(460)
Income tax expense (benefit)	(93)		22	(119)
Other comprehensive income net of tax actuarial gains (losses) on employee benefit plans	(265)		53	(341)
Net change in fair value due to change in equity instruments designated at fair value through other comprehensive income:
Net gains (losses) in fair value	54		36	31
Income tax expense (benefit)	18		6	8
Other comprehensive income net of tax for equity instruments designated at fair value through other comprehensive income	36		30	23
Net change in fair value due to change in own credit risk on financial liabilities designated under the fair value option:
Change in fair value due to change in own credit risk on financial liabilities designated under the fair value option	(12)		18	30
Income tax expense (benefit)	(3)		5	8
Other comprehensive income net of tax change in fair value due to change in own credit risk on financial liabilities designated under the fair value option	(9)		13	22
Other comprehensive income (loss) from investments in associates	(7)		(7)	(3)
Other comprehensive income (loss)	(1,163)		(746)	696
Comprehensive income	1,163		1,562	2,943
Comprehensive income (loss) attributable to non-controlling interests	(38)		(22)	212
Comprehensive income attributable to equity holders of the Bank	1,201		1,584	2,731
Preferred shareholders and other equity instrument holders	25		64	29
Common shareholders	$ 1,176		$ 1,520	$ 2,702
[1]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).

Consolidated Statement of Chang

Consolidated Statement of Changes in Equity - CAD ($) $ in Millions		Total		IFRS 15 [member]	Common shares [member]	Retained earnings [member]	[1]	Retained earnings [member]IFRS 15 [member]	[1]	Other reserves [member]	Total common equity [member]	Total common equity [member]IFRS 15 [member]	Preferred shares and other equity instruments [member]	Total common and preferred equity [member]	Total common and preferred equity [member]IFRS 15 [member]	Non-controlling interests [member]		Foreign currency translation [member]Accumulated other comprehensive income (loss) [member]	Debt Instruments Fair Value Other Comprehensive Income [member]Accumulated other comprehensive income (loss) [member]	Equity Instruments Fair Value Other Comprehensive Income [member]Accumulated other comprehensive income (loss) [member]	Cash flow hedging reserve [member]Accumulated other comprehensive income (loss) [member]	Other [member]Accumulated other comprehensive income (loss) [member]	[2]
Beginning Balance (Previously stated [member]) at Oct. 31, 2018		$ 67,680			$ 18,234	$ 41,414				$ 404	$ 61,044		$ 4,184	$ 65,228		$ 2,452		$ 1,441	$ (68)	$ (126)	$ (121)	$ (134)
Beginning Balance (Balance After IFRS Adjustments [member]) at Oct. 31, 2018		67,622			18,234	41,356				404	60,986		4,184	65,170		2,452		1,441	(68)	(126)	(121)
Beginning Balance at Oct. 31, 2018				$ (58)				$ (58)				$ (58)			$ (58)							(134)
Statement [Line Items]
Net income		2,247				2,107					2,107		29	2,136		111
Other comprehensive income (loss)		696									595			595		101		562	57	20	257	(301)
Total comprehensive income		2,943				2,107					2,702		29	2,731		212		562	57	20	257	(301)
Shares issued		93			110					(17)	93			93
Shares repurchased/redeemed		(534)			(48)	(186)					(234)		(300)	(534)
Dividends and distributions paid to equity holders		(1,101)				(1,041)					(1,041)		(29)	(1,070)		(31)
Share-based payments	[3]	4								4	4			4
Other		139								15	15			15		124	[4]
Ending Balance at Jan. 31, 2019		69,166			18,296	42,236				406	62,525		3,884	66,409		2,757		2,003	(11)	(106)	136	(435)
Beginning Balance (Balance After IFRS Adjustments [member]) at Oct. 31, 2019		70,192			18,264	44,439				365	63,638		3,884	67,522		2,670		800	37	(55)	650
Beginning Balance at Oct. 31, 2019		70,192																				(862)
Statement [Line Items]
Net income		2,326	[5]			2,262					2,262		25	2,287		39
Other comprehensive income (loss)		(1,163)									(1,086)			(1,086)		(77)		(941)	52	39	75	(311)
Total comprehensive income		1,163				2,262					1,176		25	1,201		(38)		(941)	52	39	75	(311)
Shares issued		32			38					(6)	32			32
Shares repurchased/redeemed		(268)			(54)	(214)					(268)			(268)
Dividends and distributions paid to equity holders		(1,147)				(1,092)					(1,092)		(25)	(1,117)		(30)
Share-based payments	[3]	3								3	3			3
Other		(114)				23					(4)			(4)		(110)	[4]			(27)
Ending Balance at Jan. 31, 2020		$ 69,861			$ 18,248	$ 45,418				$ 362	$ 63,485		$ 3,884	$ 67,369		$ 2,492		$ (141)	$ 89	$ (43)	$ 725	$ (1,173)
[1]	Includes undistributed retained earnings of $61 (January 31, 2019 – $62) related to a foreign associated corporation, which is subject to local regulatory restriction.
[2]	Includes Share from associates, Employee benefits and Own credit risk.
[3]	Represents amounts on account of share-based payments (refer to Note 14).
[4]	Includes changes to non-controlling interests arising from business combinations and related transactions.
[5]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Equity (Parenthetical) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure Of Restatement [abstract]
Undistributed retained earnings	$ 61	$ 61	$ 62

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2020		Jan. 31, 2019
Cash flows from operating activities
Net income		$ 2,326	[1]	$ 2,247
Adjustment for:
Net interest income		(4,392)	[1]	(4,274)
Depreciation and amortization		399	[1]	248
Provision for credit losses		926	[1]	688
Equity-settled share-based payment expense		3	[1]	4
Net gain on sale of investment securities		(41)	[1]	(22)
Net (gain)/loss on divestitures	[1]	(262)
Net income from investments in associated corporations		(91)	[1]	(129)
Income tax expense		471	[1]	498
Changes in operating assets and liabilities:
Trading assets		(16,913)	[1]	(6,202)
Securities purchased under resale agreements and securities borrowed		(14,576)	[1]	(23,996)
Loans		(6,903)	[1]	(10,578)
Deposits		36,790	[1]	12,320
Obligations related to securities sold short		1,880	[1]	(645)
Obligations related to securities sold under repurchase agreements and securities lent		18,234	[1]	15,175
Net derivative financial instruments		(1,830)	[1]	4,199
Other, net		(2,585)	[1]	(4,620)
Dividends received		196	[1]	95
Interest received		8,332	[1]	8,043
Interest paid		(4,135)	[1]	(3,703)
Income tax paid		(616)	[1]	(957)
Net cash from/(used in) operating activities		17,213	[1]	(11,609)
Cash flows from investing activities
Interest-bearing deposits with financial institutions		(24,526)	[1]	10,453
Purchase of investment securities		(15,261)	[1]	(17,693)
Proceeds from sale and maturity of investment securities		19,262	[1]	19,007
Acquisition/divestiture of subsidiaries, associated corporations or business units, net of cash acquired	[1]	3,807
Property and equipment, net of disposals		(95)	[1]	(17)
Other, net		(282)	[1]	(214)
Net cash from/(used in) investing activities		(17,095)	[1]	11,536
Cash flows from financing activities
Proceeds from issue of subordinated debentures				1,750
Redemption of preferred shares				(300)
Proceeds from common shares issued		38	[1]	110
Common shares purchased for cancellation		(268)	[1]	(234)
Cash dividends and distributions paid		(1,117)	[1]	(1,070)
Distributions to non-controlling interests		(30)	[1]	(31)
Payment of lease liabilities	[1]	(88)
Other, net		692	[1]	580
Net cash from/(used in) financing activities		(773)	[1]	805
Effect of exchange rate changes on cash and cash equivalents		(16)	[1]	70
Net change in cash and cash equivalents		(671)	[1]	802
Cash and cash equivalents at beginning of period	[2]	10,904	[1]	8,997
Cash and cash equivalents at end of period	[2]	$ 10,233	[1]	$ 9,799
[1]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).
[2]	Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 6).

Reporting entity

Reporting entity	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Reporting entity	1. Reporting entity The Bank of Nova Scotia (the Bank) is a chartered bank under the Bank Act (Canada) (the Bank Act). The Bank is a Schedule I Bank under the Bank Act and is regulated by the Office of the Superintendent of Financial Institutions (OSFI). The Bank is a global financial services provider offering a diverse range of products and services, including personal, commercial, corporate and investment banking. The head office of the Bank is located at 1709 Hollis Street, Halifax, Nova Scotia, Canada and its executive offices are at Scotia Plaza, 44 King Street West, Toronto, Canada. The common shares of the Bank are listed on the Toronto Stock Exchange and the New York Stock Exchange.

Basis of preparation

Basis of preparation	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Basis of preparation	2. Basis of preparation Statement of compliance These condensed interim consolidated financial statements of the Bank have been prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB) and accounting requirements of OSFI in accordance with Section 308 of the Bank Act. Section 308 states that except as otherwise specified by OSFI, the financial statements are to be prepared in accordance with IFRS. These condensed interim consolidated financial statements were prepared in accordance with International Accounting Standard 34, Interim Financial Reporting The condensed interim consolidated financial statements for the quarter ended January 31, 2020 have been approved by the Board of Directors for issue on February 25, 2020. Certain comparative amounts have been restated to conform with the basis of presentation in the current period. Basis of measurement The condensed interim consolidated financial statements have been prepared on the historical cost basis except for the following material items that are measured at fair value in the Consolidated Statement of Financial Position: • Financial assets and liabilities measured at fair value through profit or loss • Financial assets and liabilities designated at fair value through profit or loss • Derivative financial instruments • Equity instruments designated at fair value through other comprehensive income • Debt instruments measured at fair value through other comprehensive income Functional and presentation currency These condensed interim consolidated financial statements are presented in Canadian dollars, which is the Bank’s functional currency. All financial information presented in Canadian dollars has been rounded to the nearest million unless otherwise stated. Use of estimates and judgments The preparation of financial statements, in conformity with IFRS, requires management to make estimates, apply judgments and make assumptions that affect the reported amount of assets and liabilities at the date of the condensed interim consolidated financial statements, and income and expenses during the reporting period. Estimates made by management are based on historical experience and other assumptions that are believed to be reasonable. Key areas where management has made difficult, complex or subjective judgments, often as a result of matters that are inherently uncertain, include those relating to the allowance for credit losses, the fair value of financial instruments (including derivatives), corporate income taxes, employee benefits, the fair value of all identifiable assets and liabilities as a result of business combinations, impairment of non-financial

Significant accounting policies

Significant accounting policies	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Significant accounting policies	3. Significant accounting policies These condensed interim consolidated financial statements should be read in conjunction with the Bank’s audited consolidated financial statements for the year ended October 31, 2019. Except for the changes described below, the significant accounting policies used in the preparation of the condensed interim consolidated financial statements are consistent with those used in the Bank’s audited consolidated financial statements for the year ended October 31, 2019 as described in Note 3 of the Bank’s 2019 annual consolidated financial statements. Leases At inception of a contract, the Bank assesses whether a contract is, or contains, a lease. A contract is a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for consideration. As a lessee The Bank recognizes a right-of-use Asset A ROU is an asset that represents a lessee’s right to use an underlying asset for the lease term. The ROU asset is initially measured at cost, which is based on the initial amount of the lease liability, and any direct costs incurred, any lease payments made at or before the commencement date net of lease incentives received, and estimated decommissioning costs. The ROU asset is subsequently measured at cost less accumulated depreciation and accumulated impairment losses, if any. The ROU asset is depreciated using the straight-line method from the commencement date to the earlier of the end of the useful life of the ROU asset or the end of the lease term. The depreciation is recorded in Depreciation and amortization in the Consolidated Statement of Income. In addition, the ROU asset is adjusted for certain remeasurements of the lease liability. Liability At commencement date, the Bank initially measures the lease liability at the present value of the future lease payments, discounted using the Bank’s incremental borrowing rate. The Bank’s discount rate is based on the borrowing rate on its debt of different maturities that match the term of the lease. The discount rate is also dependent on the Bank’s credit risk and economic environment in which the lease is entered. The lease liability is subsequently measured at amortized cost using the effective interest method. It is re-measured When the lease liability is re-measured right-of-use Presentation The Bank presents ROU assets in “Property and equipment” and lease liabilities in “Other liabilities” in the Consolidated Statement of Financial Position. Sale and lease back transactions Where the Bank enters into a sale-and-leaseback Short-term leases and leases of low-value The Bank has elected not to recognize ROU assets and lease liabilities for short-term leases of assets that have a lease term of 12 months or less and leases of low-value Determining lease term The Bank’s expectation of exercising the option to renew a lease is determined by assessing if the Bank is “reasonably certain” to exercise that option. The Bank will be reasonably certain to exercise an option when factors create a significant economic incentive to do so. This assessment requires a significant level of judgement as it is based on current expectations of future decisions. The Bank considers the following criteria when determining whether it has an economic incentive that makes it reasonably certain to exercise an option: key locations for its branch network, locations on which the Bank has spent significant capital on renovation work, contribution to profit, value of locations based on current economic environment and the remaining term of existing leases. Hedging Relationships Directly Impacted by Interest Rate Benchmark Reform On September 26, 2019, the IASB issued amendments to IAS 39 and IFRS 7 (the “Amendments”) for hedging relationships that are directly impacted by the Interest Rate Benchmark Reform (the “Reform”). The Amendments provide temporary relief for certain aspects of hedge accounting, in order to address uncertainties arising from the Reform with respect to: a) the interest rate benchmark designated as a hedged risk; and/or b) the timing or the amount of interest rate benchmark-based cash flows of the hedged item or of the hedging instrument. The Amendments are mandatorily effective as at November 1, 2020 for the Bank, and will continue to apply up to the point where such uncertainties are eliminated. The Bank designates certain derivative and non-derivative instruments in hedge accounting relationships, and currently applies the hedge accounting requirements of IAS 39 and related disclosure requirements of IFRS 7. The Bank early adopted the Amendments to IAS 39 and IFRS 7 effective November 1, 2019, as permitted by the standard. Consequently, hedging relationships and balances outstanding as at November 1, 2019, and those designated thereafter, that are directly affected by the Reform, would be subject to the accounting and disclosure requirements of the Amendments on a retrospective basis. For aspects of hedge accounting not covered by the Amendments and hedges that are not directly impacted by the Reform, the accounting policies as described in Note 3 of the Bank’s consolidated financial statements in the 2019 Annual Report continue to apply. Assessment of Hedge Effectiveness Under IAS 39, the Bank formally assesses, both at each hedge’s inception and on an ongoing basis, whether the hedging instruments are highly effective in offsetting changes in fair value or cash flows of the hedged items within an 80-125% range. This assessment incorporates a comparison of critical terms of the hedged and hedging item, and regression analysis, in order to determine (i) whether the hedge relationship is expected to be highly effective going forward (i.e. prospective effectiveness assessment) and (ii) whether the hedge was actually highly effective for the designated period (i.e. retrospective effectiveness assessment). In assessing prospective hedge effectiveness for a hedge relationship directly impacted by the Reform, the Bank will assume that the benchmark interest rate is not altered as a result of the Reform. In instances of assessing retrospective hedge effectiveness where a hedge relationship directly impacted by the Reform fall outside of the 80-125% range, the Bank will continue hedge accounting as long as other hedge accounting requirements are met. Requirements Specific to Cash Flow Hedges For the Bank’s cash flow hedges of forecasted transactions that are directly affected by the Reform, it is assumed that the benchmark interest rate will not be altered as a result of the Reform for purposes of assessing whether the transactions are highly probable or whether the transactions are still expected to occur. Summary of Exposures Currently, the Bank’s hedge relationships referencing USD LIBOR, EURIBOR and GBP LIBOR, and extending beyond December 31, 2021 are viewed to be directly impacted by the Reform and thus subject to the requirements of the Amendments. The following table summarizes the Bank’s hedging derivatives as at November 1, 2019 relating to hedges directly impacted by the Reform: As at November 1, 2019 ($ billions) Interest Rate Benchmark Index Notional of Hedging Derivatives USD LIBOR 81.4 EURIBOR 25.9 GBP LIBOR 3.3 Total 110.6 The specific interest rate benchmarks affected by the Reform, as well as the pace and timing at which markets transition away from the existing IBOR benchmark rate to an alternative benchmark rate, will vary across different rates, jurisdictions and product types. As such, the Bank is applying its best judgement to analyze market expectations, in order to identify the interest rate benchmarks and related hedges impacted by the Reform. IFRIC 23 Uncertainty over income tax treatments IFRIC 23 which became effective for the Bank beginning November 1, 2019 clarifies the accounting for uncertainties over income taxes. The interpretation provides guidance on how to apply the recognition and measurement requirements in IAS 12 Income Taxes

Transition to IFRS 16

Transition to IFRS 16	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Transition to IFRS 16	4. Transition to IFRS 16 On November 1, 2019, the Bank adopted IFRS 16 Leases Leases IFRS 16 applies to all leases with the exception of assets within the scope of IAS 38 Intangible assets. IFRS 16 requires lessees to recognize a right-of-use Transition Adjustment The Bank applied IFRS 16 on a modified retrospective approach and took advantage of the option not to restate comparative periods. The Bank applied the following transition options available under the modified retrospective approach: • Measure the ROU asset at the date of initial application as equal to lease liability adjusted by any prepaid or accrued lease payments. • Not apply IFRS 16 to operating leases with a remaining lease term of less than 12 months (short-term leases) or low value assets. • Not apply IFRS 16 to leases of intangible assets. The Bank adopted IFRS 16 as at November 1, 2019 using a modified retrospective approach, this increased “Property and Equipment” by $3,620 million (being the net increase in ROU assets) and “Other liabilities” by $3,648 million from recognized lease liabilities. The difference between the increase in ROU assets and lease liabilities was due primarily to tenant inducements for properties rented by the Bank. There was no impact on opening shareholders’ equity. The amount of the lease liabilities above differed from the amount of operating lease commitments disclosed in Note 35(c) to the Consolidated Financial Statements in the 2019 Annual Report due mainly to an increase related to renewal options reasonably certain to be exercised partially offset by operating lease commitments for contracts not yet commenced and the effects of discounting the lease liabilities. The Bank used its incremental borrowing rate as of November 1, 2019 to measure lease liabilities. The weighted average incremental borrowing rate used is 3.5%.

Future accounting developments

Future accounting developments	3 Months Ended
	Jan. 31, 2020
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Future accounting developments	5. Future accounting developments There are no significant updates to the future accounting developments disclosed in Note 5 of the Bank’s audited consolidated financial statements in the 2019 Annual Report.

Cash and deposits with financia

Cash and deposits with financial institutions	3 Months Ended
	Jan. 31, 2020
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Cash and deposits with financial institutions	6. Cash and deposits with financial institutions As at ($ millions) January 31 October 31 Cash and non-interest-bearing deposits with financial institutions $ 10,233 $ 10,904 Interest-bearing deposits with financial institutions 59,058 35,816 Total $ 69,291 (1) $ 46,720 (1) (1) Net of impairment allowances of $ 2 The Bank is required to maintain balances with central banks, other regulatory authorities and certain counterparties and these amounted to $ 9,788

Investment securities

Investment securities	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Investment securities	7. Investment securities The following table presents the carrying amounts of the Bank’s investment securities per measurement category. As at ($ millions) January 31 October 31 Debt investment securities measured at FVOCI $ 54,292 $ 58,157 Debt investment securities measured at amortized cost 20,739 21,845 Equity investment securities designated at FVOCI 1,481 1,561 Investment securities measured at FVTPL 1,491 796 Total investment securities $ 78,003 $ 82,359 (a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) As at January 31, 2020 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 10,084 $ 252 $ 4 $ 10,332 Canadian provincial and municipal debt 2,728 47 2 2,773 U.S. treasury and other U.S. agency debt 18,543 434 3 18,974 Other foreign government debt 20,712 110 11 20,811 Other debt 1,374 28 – 1,402 Total $ 53,441 $ 871 $ 20 $ 54,292 As at October 31, 2019 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 12,176 $ 216 $ 11 $ 12,381 Canadian provincial and municipal debt 3,203 42 4 3,241 U.S. treasury and other U.S. agency debt 19,527 384 22 19,889 Other foreign government debt 20,543 87 19 20,611 Other debt 2,012 24 1 2,035 Total $ 57,461 $ 753 $ 57 $ 58,157 (b) Debt investment securities measured at amortized cost As at January 31, 2020 October 31, 2019 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 7,286 $ 7,276 $ 7,575 $ 7,580 U.S. treasury and other U.S. agency debt 8,738 8,599 9,419 9,279 Other foreign government debt 2,003 1,992 1,979 1,970 Corporate debt 2,885 2,872 3,027 3,016 Total $ 20,912 $ 20,739 $ 22,000 $ 21,845 (1) Balances are net of impairment allowances of nil (October 31, 2019–nil). (c) Equity investment securities designated as at fair value through other comprehensive income (FVOCI) The Bank has designated certain equity securities at FVOCI shown in the following table as these instruments are held for strategic purposes. As at January 31, 2020 ($ millions) Cost Gross Gross Fair value Preferred equity instruments $ 20 $ – $ 4 $ 16 Common shares 1,255 228 18 1,465 Total $ 1,275 $ 228 $ 22 $ 1,481 As at October 31, 2019 ($ millions) Cost Gross Gross Fair value Preferred equity instruments $ 146 $ – $ 53 $ 93 Common shares 1,262 223 17 1,468 Total $ 1,408 $ 223 $ 70 $ 1,561 Dividend income earned on equity securities designated at FVOCI of $17 million for the quarter ended January 31, 2020 (October 31, 2019–$14 million; January 31, 2019 – $10 million) has been recognized in interest income. During the quarter ended January 31, 2020, the Bank has disposed of certain equity securities designated at FVOCI with a fair value of $342 million (October 31, 2019–$63 million; January 31, 2019 – $106 million) and this has resulted in a loss of $20 million (October 31, 2019–$18 million gain; January 31, 2019 – $2 million gain). During the quarter, the Bank has transferred realized gains of $30 million related to equity securities held in the divested entity from AOCI to retained earnings.

Loans, impaired loans and allow

Loans, impaired loans and allowance for credit losses	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Loans, impaired loans and allowance for credit losses	8. Loans, impaired loans and allowance for credit losses (a) Loans at amortized cost As at January 31, 2020 October 31, 2019 ($ millions) Gross Allowance Net Gross Allowance Net carrying Residential mortgages $ 268,670 $ 639 $ 268,031 $ 268,169 $ 680 $ 267,489 Personal loans 96,703 2,090 94,613 98,631 2,065 96,566 Credit cards 17,715 1,244 16,471 17,788 1,255 16,533 Business and government 214,212 1,048 213,164 212,972 1,077 211,895 Total $ 597,300 $ 5,021 $ 592,279 $ 597,560 $ 5,077 $ 592,483 (b) Impaired loans (1)(2) As at January 31, 2020 October 31, 2019 ($ millions) Gross Allowance for Net Gross Allowance for Net Residential mortgages $ 1,614 $ 288 $ 1,326 $ 1,830 $ 325 $ 1,505 Personal loans 1,124 593 531 1,094 591 503 Credit cards – – – – – – Business and government 2,032 656 1,376 2,211 679 1,532 Total $ 4,770 $ 1,537 $ 3,233 $ 5,135 $ 1,595 $ 3,540 By geography: Canada $ 1,241 $ 384 $ 857 $ 1,133 $ 375 $ 758 United States 23 4 19 94 5 89 Mexico 528 189 339 485 178 307 Peru 613 309 304 642 332 310 Chile 811 170 641 844 180 664 Colombia 501 139 362 505 151 354 Other international 1,053 342 711 1,432 374 1,058 Total $ 4,770 $ 1,537 $ 3,233 $ 5,135 $ 1,595 $ 3,540 (1) Interest income recognized on impaired loans during the three months ended January 31, 2020 was $11 (October 31, 2019 – $12). (2) Additional interest income of approximately $81 would have been recorded if the above loans had not been classified as impaired (October 31, 2019–$92). (c) Allowance for credit losses Key inputs and assumptions The Bank’s allowance for credit losses is measured using a three-stage approach based on the extent of credit deterioration since origination. The calculation of the Bank’s allowance for credit losses is an output of complex models with a number of underlying assumptions regarding the choice of variable inputs and their interdependencies. Some of the key drivers include the following: • Changes in risk ratings of the borrower or instrument reflecting changes in their credit quality; • Changes in the volumes of transactions; • Changes in the forward-looking macroeconomic environment reflected in the variables used in the models such as GDP growth, unemployment rates, commodity prices, and house price indices, which are most closely related with credit losses in the relevant portfolio; • Changes in macroeconomic scenarios and the probability weights assigned to each scenario; and • Borrower migration between the three stages. Multiple forward-looking scenarios The Bank determines its allowance for credit losses using four probability-weighted forward-looking scenarios. Starting Q1, 2020 the Bank added a more severe pessimistic scenario. The base case represents the best estimate of future outcomes in the macroeconomic environment and is therefore the most heavily weighted scenario. The optimistic and the two pessimistic alternative scenarios reflect deviations from the base case. The Bank considers both internal and external sources of information and data to achieve unbiased projections and forecasts in determining the allowance for credit losses. The Bank prepares the scenarios using forecasts generated by Scotiabank Economics (SE). The forecasts are generated using models whose outputs are modified by SE as necessary to formulate a ‘base case’ view of the most probable future direction of economic developments. The development of the baseline and alternative scenarios is overseen by a governance committee that consists of internal stakeholders from across the Bank. The final baseline and alternative scenarios reflect significant review and oversight, and incorporate judgment both in the determination of the scenarios’ forecasts and the probability weights that are assigned to them. Allowance for credit losses ($ millions) Balance as at Provision for Net write-offs Other, including Balance as at Residential mortgages $ 680 $ 50 $ (23 ) $ (68 ) $ 639 Personal loans 2,065 463 (410 ) (28 ) 2,090 Credit cards 1,255 303 (304 ) (10 ) 1,244 Business and government 1,139 110 (90 ) (46 ) 1,113 $ 5,139 $ 926 $ (827 ) $ (152 ) $ 5,086 Presented as: Allowance for credit losses on loans $ 5,077 $ 5,021 Allowance for credit losses on acceptances (1) 6 15 Allowance for credit losses on off-balance exposures (2) 56 50 (1) Allowance for credit losses on acceptances are recorded against the financial asset in the Consolidated Statement of Financial Position. (2) Allowance for credit losses on off-balance ($ millions) Balance as at Provision for Net write-offs Other, including Balance as at Residential mortgages $ 678 $ 32 $ (18 ) $ 17 $ 709 Personal loans 2,109 366 (408 ) 44 2,111 Credit cards 1,213 225 (257 ) 31 1,212 Business and government 1,147 62 (49 ) (3 ) 1,157 $ 5,147 $ 685 $ (732 ) $ 89 $ 5,189 Presented as: Allowance for credit losses on loans $ 5,065 $ 5,111 Allowance for credit losses on acceptances (1) 8 9 Allowance for credit losses on off-balance exposures (2) 74 69 (1) Allowance for credit losses on acceptances are recorded against the financial asset in the Consolidated Statement of Financial Position. (2) Allowance for credit losses on off-balance Allowance for credit losses on loans As at January 31, 2020 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 133 $ 218 $ 288 $ 639 Personal loans 619 878 593 2,090 Credit cards 407 837 – 1,244 Business and government 160 236 652 1,048 Total (1) $ 1,319 $ 2,169 $ 1,533 $ 5,021 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 4 As at October 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 126 $ 229 $ 325 $ 680 Personal loans 609 865 591 2,065 Credit cards 424 831 – 1,255 Business and government 153 245 679 1,077 Total (1) $ 1,312 $ 2,170 $ 1,595 $ 5,077 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 6 8 As at January 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 121 $ 226 $ 362 $ 709 Personal loans 596 875 640 2,111 Credit cards 410 802 – 1,212 Business and government 152 249 678 1,079 Total (1) $ 1,279 $ 2,152 $ 1,680 $ 5,111 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 88 The following table presents the changes to the allowance for credit losses on loans. As at January 31, 2020 As at January 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Residential mortgages Balance at beginning of period $ 126 $ 229 $ 325 $ 680 $ 112 $ 206 $ 360 $ 678 Provision for credit losses Remeasurement (1) (8 ) 10 14 16 (24 ) 8 29 13 Newly originated or purchased financial assets 6 – – 6 23 – – 23 Derecognition of financial assets and maturities – (2 ) – (2 ) (1 ) (3 ) – (4 ) Changes in models and methodologies 7 6 17 30 – – – – Transfer to (from): Stage 1 15 (13 ) (2 ) – 12 (11 ) (1 ) – Stage 2 (5 ) 24 (19 ) – (5 ) 28 (23 ) – Stage 3 – (11 ) 11 – – (9 ) 9 – Gross write-offs – – (30 ) (30 ) – – (20 ) (20 ) Recoveries – – 7 7 – – 2 2 Foreign exchange and other movements (8 ) (25 ) (35 ) (68 ) 4 7 6 17 Balance at end of period (2) $ 133 $ 218 $ 288 $ 639 $ 121 $ 226 $ 362 $ 709 Personal loans Balance at beginning of period $ 609 $ 865 $ 591 $ 2,065 $ 578 $ 887 $ 644 $ 2,109 Provision for credit losses Remeasurement (1) (142 ) 151 342 351 (152 ) 140 304 292 Newly originated or purchased financial assets 98 – – 98 118 – – 118 Derecognition of financial assets and maturities (24 ) (27 ) – (51 ) (19 ) (25 ) – (44 ) Changes in models and methodologies 16 33 16 65 – – – – Transfer to (from): Stage 1 131 (128 ) (3 ) – 108 (107 ) (1 ) – Stage 2 (51 ) 68 (17 ) – (46 ) 66 (20 ) – Stage 3 (1 ) (89 ) 90 – (1 ) (79 ) 80 – Gross write-offs – – (476 ) (476 ) – – (480 ) (480 ) Recoveries – – 66 66 – – 72 72 Foreign exchange and other movements (17 ) 5 (16 ) (28 ) 10 (7 ) 41 44 Balance at end of period (2) $ 619 $ 878 $ 593 $ 2,090 $ 596 $ 875 $ 640 $ 2,111 Credit cards Balance at beginning of period $ 424 $ 831 $ – $ 1,255 $ 401 $ 812 $ – $ 1,213 Provision for credit losses Remeasurement (1) (75 ) 123 205 253 (68 ) 108 170 210 Newly originated or purchased financial assets 46 – – 46 46 – – 46 Derecognition of financial assets and maturities (16 ) (15 ) – (31 ) (14 ) (17 ) – (31 ) Changes in models and methodologies 6 29 – 35 – – – – Transfer to (from): Stage 1 62 (62 ) – – 69 (69 ) – – Stage 2 (34 ) 34 – – (32 ) 32 – – Stage 3 – (78 ) 78 – – (70 ) 70 – Gross write-offs – – (361 ) (361 ) – – (312 ) (312 ) Recoveries – – 57 57 – – 55 55 Foreign exchange and other movements (6 ) (25 ) 21 (10 ) 8 6 17 31 Balance at end of period (2) $ 407 $ 837 $ – $ 1,244 $ 410 $ 802 $ – $ 1,212 Business and government Balance at beginning of period $ 191 $ 263 $ 679 $ 1,133 $ 173 $ 291 $ 675 $ 1,139 Provision for credit losses Remeasurement (1) (15 ) 9 102 96 (16 ) 12 69 65 Newly originated or purchased financial assets 39 – – 39 39 – – 39 Derecognition of financial assets and maturities (32 ) (7 ) (5 ) (44 ) (27 ) (8 ) (7 ) (42 ) Changes in models and methodologies 13 9 – 22 – – – – Transfer to (from): Stage 1 8 (8 ) – – 30 (30 ) – – Stage 2 (3 ) 3 – – (5 ) 7 (2 ) – Stage 3 (2 ) (4 ) 6 – – (2 ) 2 – Gross write-offs – – (96 ) (96 ) – – (65 ) (65 ) Recoveries – – 6 6 – – 16 16 Foreign exchange and other movements (2 ) (16 ) (40 ) (58 ) 3 2 (9 ) (4 ) Balance at end of period including off-balance (2) $ 197 $ 249 $ 652 $ 1,098 $ 197 $ 272 $ 679 $ 1,148 Less: Allowance for credits losses on off-balance (3) (37 ) (13 ) – (50 ) (45 ) (23 ) (1 ) (69 ) Balance at end of period (2) $ 160 $ 236 $ 652 $ 1,048 $ 152 $ 249 $ 678 $ 1,079 (1) Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. (2) Interest income on impaired loans for residential mortgages, personal and credit cards, and business and government loans totaled $81 (October 31, 2019–$92). (3) Allowance for credit losses on off-balance (d) Carrying value of exposures by risk rating Residential mortgages As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 155,542 $ 435 $ – $ 155,977 $ 151,824 $ 405 $ – $ 152,229 Low 60,443 425 – 60,868 61,317 489 – 61,806 Medium 14,113 962 – 15,075 14,476 1,059 – 15,535 High 989 2,850 – 3,839 1,404 3,309 – 4,713 Very high 9 1,632 – 1,641 11 1,728 – 1,739 Loans not graded (2) 25,893 3,763 – 29,656 26,497 3,820 – 30,317 Default – – 1,614 1,614 – – 1,830 1,830 Total $ 256,989 $ 10,067 $ 1,614 $ 268,670 $ 255,529 $ 10,810 $ 1,830 $ 268,169 Allowance for credit losses 133 218 288 639 126 229 325 680 Carrying value $ 256,856 $ 9,849 $ 1,326 $ 268,031 $ 255,403 $ 10,581 $ 1,505 $ 267,489 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Personal loans As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 29,983 $ 78 $ – $ 30,061 $ 29,988 $ 92 $ – $ 30,080 Low 26,838 259 – 27,097 26,928 263 – 27,191 Medium 8,785 411 – 9,196 8,961 396 – 9,357 High 7,423 3,753 – 11,176 7,472 3,617 – 11,089 Very high 47 1,434 – 1,481 44 1,604 – 1,648 Loans not graded (2) 14,544 2,024 – 16,568 15,973 2,199 – 18,172 Default – – 1,124 1,124 – – 1,094 1,094 Total $ 87,620 $ 7,959 $ 1,124 $ 96,703 $ 89,366 $ 8,171 $ 1,094 $ 98,631 Allowance for credit losses 619 878 593 2,090 609 865 591 2,065 Carrying value $ 87,001 $ 7,081 $ 531 $ 94,613 $ 88,757 $ 7,306 $ 503 $ 96,566 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Credit cards As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 1,551 $ 8 $ – $ 1,559 $ 1,509 $ 9 $ – $ 1,518 Low 2,663 20 – 2,683 2,580 17 – 2,597 Medium 3,719 32 – 3,751 3,688 34 – 3,722 High 3,153 1,459 – 4,612 3,139 1,424 – 4,563 Very high 22 823 – 845 23 735 – 758 Loans not graded (1) 2,753 1,512 – 4,265 3,217 1,413 – 4,630 Default – – – – – – – – Total $ 13,861 $ 3,854 $ – $ 17,715 $ 14,156 $ 3,632 $ – $ 17,788 Allowance for credit losses 407 837 – 1,244 424 831 – 1,255 Carrying value $ 13,454 $ 3,017 $ – $ 16,471 $ 13,732 $ 2,801 $ – $ 16,533 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Undrawn loan As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 78,790 $ – $ – $ 78,790 $ 77,614 $ 1 $ – $ 77,615 Low 17,982 1 – 17,983 17,787 – – 17,787 Medium 6,233 88 – 6,321 6,218 80 – 6,298 High 2,401 501 – 2,902 2,408 462 – 2,870 Very high 13 12 – 25 12 64 – 76 Loans not graded (1) 14,585 4,086 – 18,671 11,167 2,673 – 13,840 Default – – – – – – – – Carrying value $ 120,004 $ 4,688 $ – $ 124,692 $ 115,206 $ 3,280 $ – $ 118,486 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Business and As at January 31, 2020 As at October 31, 2019 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 107,546 $ 1,209 $ – $ 108,755 $ 105,033 $ 1,025 $ – $ 106,058 Non-investment 91,795 6,963 – 98,758 93,117 6,527 – 99,644 Watch list 56 2,508 – 2,564 53 2,957 – 3,010 Loans not graded (2) 2,014 89 – 2,103 1,962 87 – 2,049 Default – – 2,032 2,032 – – 2,211 2,211 Total $ 201,411 $ 10,769 $ 2,032 $ 214,212 $ 200,165 $ 10,596 $ 2,211 $ 212,972 Allowance for credit losses 160 236 652 1,048 153 245 679 1,077 Carrying value $ 201,251 $ 10,533 $ 1,380 $ 213,164 $ 200,012 $ 10,351 $ 1,532 $ 211,895 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Undrawn loan As at January 31, 2020 As at October 31, 2019 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 175,870 $ 1,953 $ – $ 177,823 $ 176,926 $ 980 $ – $ 177,906 Non-investment 54,345 3,863 – 58,208 55,238 4,225 – 59,463 Watch list 9 621 – 630 8 774 – 782 Loans not graded (2) 3,214 210 – 3,424 1,808 207 – 2,015 Default – – 128 128 – – 153 153 Total $ 233,438 $ 6,647 $ 128 $ 240,213 $ 233,980 $ 6,186 $ 153 $ 240,319 Allowance for credit losses 37 13 – 50 38 18 – 56 Carrying value $ 233,401 $ 6,634 $ 128 $ 240,163 $ 233,942 $ 6,168 $ 153 $ 240,263 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. (e) Loans past due but not impaired (1) A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired because they are either less than 90 days past due or fully secured and collection efforts are reasonably expected to result in repayment, or restoring it to a current status in accordance with the Bank’s policy. As at January 31, 2020 As at October 31, 2019 ($ millions) 31-60 61-90 91 days (2) Total 31-60 61-90 91 days (2) Total Residential mortgages $ 1,101 $ 525 $ – $ 1,626 $ 1,128 $ 526 $ – $ 1,654 Personal loans 592 340 – 932 624 330 – 954 Credit cards 261 175 416 852 278 179 417 874 Business and government 149 55 – 204 188 89 – 277 Total $ 2,103 $ 1,095 $ 416 $ 3,614 $ 2,218 $ 1,124 $ 417 $ 3,759 (1) Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due. (2) All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. (f) Purchased credit-impaired loans Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets: As at ($ millions) January 31 October 31 Unpaid principal balance (1) $ 448 $ 489 Credit related fair value adjustments (111 ) (125 ) Carrying value 337 364 Stage 3 allowance (10 ) (9 ) Carrying value net related allowance $ 327 $ 355 (1) Represents principal amount owed net of write-offs.

Derecognition of financial asse

Derecognition of financial assets	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Derecognition of financial assets	9. Derecognition of financial assets Securitization of residential mortgage loans The Bank securitizes fully insured residential mortgage loans, Bank originated and others, through the creation of mortgage backed securities (MBS) under the National Housing Act (NHA) MBS program, sponsored by Canada Mortgage Housing Corporation (CMHC). MBS created under the program are sold to Canada Housing Trust (the Trust), a government sponsored entity under the Canada Mortgage Bond (CMB) program, and/or to third-party investors. The Trust issues securities to third-party investors. The sale of mortgages under the above program does not meet the derecognition requirements, where the Bank retains the pre-payment The transferred mortgages continue to be recognized on the Consolidated Statement of Financial Position as residential mortgage loans. Cash proceeds from the transfer are treated as secured borrowings and included in Deposits – Business and government on the Consolidated Statement of Financial Position. The following table provides the carrying amount of transferred assets that do not qualify for derecognition and the associated liabilities: As at ($ millions) January 31 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 20,881 $ 20,885 Other related assets (2) 4,370 4,364 Liabilities Carrying value of associated liabilities 22,726 22,786 (1) The fair value of the transferred assets is $25,306 (October 31, 2019 – $25,453) and the fair value of the associated liabilities is $25,078 (October 31, 2019 – $25,112) for a net position of $228 (October 31, 2019 – $341). (2) These include cash held in trust and trust permitted investment assets acquired as part of the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. Securitization of personal lines of credit, credit cards and auto loans The Bank securitizes a portion of its unsecured personal lines of credit, credit card and auto loan receivables through consolidated structured entities. These receivables continue to be recognized on the Consolidated Statement of Financial Position as personal and credit cards loans. During the quarter, the Bank securitized the following receivables: • $638 million of the Bank’s Canadian credit card receivables were securitized in January 2020, on a revolving basis through Trillium Credit Card Trust II (Trillium), a Bank-sponsored consolidated structured entity. As at January 31, 2020, US $489 million ($647 million Canadian dollars) Class A senior notes and Class B and Class C subordinated notes were outstanding in respect of Series 2020-1 and included in Deposits- Business and government on the Consolidated Statement of Financial Position. As at January 31, 2020, assets pledged in relation to these notes were credit card receivables, denominated in Canadian dollars, of $689 million. • $1,392 million of the Bank’s Canadian auto loan receivables were securitized through Securitized Term Auto Receivables Trust 2019-CRT (START 2019-CRT), a Bank-sponsored consolidated structured entity. As at January 31, 2020, US $93 million ($123 million Canadian dollars) START 2019-CRT subordinated notes that were issued to third party investors were outstanding and included in Deposits – Business and government on the Consolidated Statement of Financial Position. As at January 31, 2020, assets pledged in relation to these notes were Canadian auto loan receivables, denominated in Canadian dollars, of $1,257 million. Securities sold under repurchase agreements and securities lent The Bank enters into transactions, such as repurchase agreements and securities lending agreements, where the Bank transfers assets under agreements to repurchase them on a future date and retains all the substantial risks and rewards associated with the assets. The transferred securities remain on the Consolidated Statement of Financial Position along with the cash collateral received from the counterparty that is classified as deposit liabilities. The following table provides the carrying amount of the transferred assets and the associated liabilities: As at ($ millions) January 31 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 123,136 $ 110,879 Securities lending agreements 57,493 50,300 Total 180,629 161,179 Carrying value of associated liabilities (3) $ 143,019 $ 124,083 (1) The fair value of transferred assets is $180,629 (October 31, 2019 – $161,179) and the fair value of the associated liabilities is $143,019 (October 31, 2019 – $124,083) for a net position of $37,610 (October 31, 2019 – $37,096). (2) Does not include over-collateralization of assets pledged. (3) Liabilities for securities lending arrangements only include amounts related to cash collateral received. In most cases, securities are received as collateral.

Investments in associates

Investments in associates	3 Months Ended
	Jan. 31, 2020
Investments accounted for using equity method [abstract]
Investments in associates	10. Investments in associates The Bank had significant investments in the following associates: As at January 31 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying Thanachart Bank Public Company Limited (2) Thailand Banking 49.00 % – $ – $ 3,554 Canadian Tire’s Financial Services business (CTFS) (3) Canada Financial Services 20.00 % December 31, 2019 534 529 Bank of Xi’an Co. Ltd. (4) China Banking 17.99 % December 31, 2019 855 815 Maduro & Curiel’s Bank N.V. (5) Curacao Banking 48.10 % December 31, 2019 330 327 (1) Represents the date of the most recent financial statements made available to the Bank by the associates’ management. (2) On December 3, 2019, the Bank completed the sale to reduce its interest in Thanachart Bank Public Company Limited. Refer to Note 21 - Divestitures. (3) Under the agreement Canadian Tire has an option to sell to the Bank up to an additional 29% equity interest within the next 10 years at the then fair value, that can be settled, at the Bank’s discretion, by issuance of common shares or cash. After 10 years, for a period of six months, the Bank has the option to sell its equity interest back to Canadian Tire at the then fair value. (4) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $1,056 (October 31, 2019 - $1,021). (5) The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2020, these reserves amounted to $61 (October 31, 2019 – $61).

Deposits

Deposits	3 Months Ended
	Jan. 31, 2020
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Deposits	11. Deposits As at January 31, 2020 October 31 Payable on demand (1) Payable (2) Payable on a (3) ($ millions) Interest- Non-interest- Total Total Personal $ 7,222 $ 8,076 $ 128,238 $ 80,345 $ 223,881 $ 224,800 Business and government 104,274 26,263 44,496 313,625 488,658 461,851 Financial institutions 9,233 1,431 1,348 39,299 51,311 46,739 $ 120,729 $ 35,770 $ 174,082 (4) $ 433,269 $ 763,850 $ 733,390 Recorded in: Canada $ 91,826 $ 17,832 $ 135,674 $ 267,783 $ 513,115 $ 503,158 United States 16,729 40 11,756 67,578 96,103 75,675 United Kingdom – – 220 24,612 24,832 20,310 Mexico 10 5,281 6,208 12,346 23,845 23,672 Peru 5,713 108 4,677 7,930 18,428 18,738 Chile 1,519 4,761 126 16,326 22,732 22,714 Colombia 43 637 4,376 4,977 10,033 9,846 Other International 4,889 7,111 11,045 31,717 54,762 59,277 Total (5) $ 120,729 $ 35,770 $ 174,082 $ 433,269 $ 763,850 $ 733,390 (1) Deposits payable on demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts. (2) Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts. (3) All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. (4) Includes $136 (October 31, 2019 – $137) of non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $279,290 (October 31, 2019 – $250,886), deposits denominated in Chilean pesos amount to $20,641 (October 31, 2019 – $21,021), deposits denominated in Mexican pesos amount to $21,474 (October 31, 2019 – $21,039) and deposits denominated in other foreign currencies amount to $84,144 (October 31, 2019 – $83,837). The following table presents the maturity schedule for term deposits in Canada greater than $100,000 (1) ($ millions) Within Three to Six to One to Over Total As at January 31, 2020 $ 42,739 $ 33,212 $ 39,654 $ 91,334 $ 18,949 $ 225,888 As at October 31, 2019 $ 48,411 $ 23,797 $ 43,377 $ 91,687 $ 14,616 $ 221,888 (1) The majority of foreign term deposits are in excess of $100,000.

Capital and financing transacti

Capital and financing transactions	3 Months Ended
	Jan. 31, 2020
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Capital and financing transactions	12. Capital and financing transactions Common shares Normal Course Issuer Bid On May 30, 2019, the Bank announced that OSFI and the Toronto Stock Exchange have approved a normal course issuer bid (the “2019 NCIB”) pursuant to which it may repurchase for cancellation up to 24 million of the Bank’s common shares. Purchases under the 2019 NCIB commenced on June 4, 2019 and terminate upon earlier of: (i) the Bank purchasing the maximum number of common shares under the 2019 NCIB, (ii) the Bank providing a notice of termination, or (iii) June 3, 2020. On a quarterly basis, the Bank will notify OSFI prior to making purchases. Under the 2019 NCIB, the Bank has cumulatively repurchased and cancelled approximately 9.8 million common shares at an average price of $72.35 per share. During the quarter ended January 31, 2020, the Bank repurchased and cancelled approximately 3.6 million common shares at a volume weighted average price of $74.63 per share for a total amount of $268 million.

Capital management

Capital management	3 Months Ended
	Jan. 31, 2020
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Capital management	13. Capital management The Bank’s regulatory capital and leverage position were as follows: As at ($ millions) January 31, 2020 October 31, 2019 Capital Common Equity Tier 1 capital $ 47,804 $ 46,578 Net Tier 1 capital 52,437 51,304 Total regulatory capital 61,392 59,850 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1) $ 420,694 $ 421,185 Leverage exposures 1,300,001 1,230,648 Capital ratios Common Equity Tier 1 capital ratio 11.4 % 11.1 % Tier 1 capital ratio 12.5 % 12.2 % Total capital ratio 14.6 % 14.2 % Leverage ratio 4.0 % 4.2 % (1) As at January 31, 2020 and October 31, 2019, the Bank did not have a regulatory capital floor add-on for CET1, Tier 1 and Total capital RWA. The Bank substantially exceeded the OSFI minimum capital ratios as at January 31, 2020, including the Domestic Stability Buffer requirement.

Share-based payments

Share-based payments	3 Months Ended
	Jan. 31, 2020
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Share-based payments	14. Share-based payments During the quarter, the Bank granted 1,594,016 options with an exercise price of $74.34 per option and a weighted average fair value of $3.81 to selected employees, under the terms of the Employee Stock Option Plan. These stock options vest 50% at the end of the third year and 50% at the end of the fourth year. The Bank recorded an increase to equity – other reserves of $3 million for the three months ended January 31, 2020 (January 31, 2019 – $4 million) as a result of equity-classified share-based payment expense.

Employee benefits

Employee benefits	3 Months Ended
	Jan. 31, 2020
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Employee benefits	15. Employee benefits Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans (1) For the three months ended Pension plans Other benefit plans ($ millions) January 31 January 31 January 31 January 31 Defined benefit service cost $ 91 $ 76 $ 13 $ 7 Interest on net defined benefit (asset) liability 6 (2 ) 12 13 Other 4 4 2 1 Defined benefit expense $ 101 $ 78 $ 27 $ 21 Defined contribution expense $ 19 $ 14 – n/a Increase (Decrease) in other comprehensive income related to employee benefits (2) $ (316 ) $ (395 ) $ (42 ) $ (65 ) (1) Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. (2) Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.

Operating segments

Operating segments	3 Months Ended
	Jan. 31, 2020
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Operating segments	16. Operating segments Scotiabank is a diversified financial services institution that provides a wide range of financial products and services to retail, commercial and corporate customers around the world. The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Banking and Markets and Global Wealth Management. Other smaller business segments are included in the Other segment. The results of these business segments are based upon the internal financial reporting systems of the Bank. The accounting policies used in these segments are generally consistent with those followed in the preparation of the consolidated financial statements as disclosed in Note 3 of the Bank’s audited consolidated financial statements in the 2019 Annual Report. Notable accounting measurement differences are: • tax normalization adjustments related to the gross-up • the grossing up of tax-exempt non-interest before-tax non-interest tax-exempt Changes to operating segments effective November 1, 2019 Effective November 1, 2019, Global Wealth Management became a fourth business segment. The Canadian and International businesses of Global Wealth results that were previously included in Canadian Banking’s and International Banking’s results, respectively, are included in Global Wealth Management results. The historical comparative segment financial information has been restated to reflect this realignment. The restated historical segment financial information of Canadian Banking, International Banking and Other did not impact the Bank’s previously reported consolidated financial information. The aggregate number of cash-generating units (CGUs) for the purposes of goodwill impairment assessment as of November 1, 2019 has increased to 5 (October 31, 2019 – 4 CGUs) with the creation of the new Global Wealth Management CGU (GWM-CGU). This has resulted in the allocation of $3.4 billion of goodwill related to the wealth business from the Canadian Banking CGU to the GWM-CGU. As at November 1, 2019, the Bank has determined that goodwill allocated to GWM-CGU is not impaired. Scotiabank’s results, and average assets and liabilities, allocated by these operating segments, are as follows: For the three months ended January 31, 2020 Taxable equivalent basis ($ millions) Canadian International Global Global Other (1) Total Net interest income (2) $ 2,003 $ 2,005 $ 141 $ 325 $ (82 ) $ 4,392 Non-interest (3)(4) 704 980 1,016 842 207 3,749 Total revenues 2,707 2,985 1,157 1,167 125 8,141 Provision for credit losses 321 580 1 24 – 926 Non-interest 1,233 1,664 737 654 130 4,418 Provision for income taxes 301 159 110 117 (216 ) 471 Net income $ 852 $ 582 $ 309 $ 372 $ 211 $ 2,326 Net income attributable to non-controlling $ – $ 64 $ 3 $ – $ (28 ) $ 39 Net income attributable to equity holders of the Bank $ 852 $ 518 $ 306 $ 372 $ 239 $ 2,287 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (5) $ – $ 55 $ – $ – $ – $ 55 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 852 463 306 372 239 2,232 Average assets ($ billions) $ 355 $ 203 $ 25 $ 411 $ 124 $ 1,118 Average liabilities ($ billions) $ 263 $ 151 $ 35 $ 337 $ 262 $ 1,048 (1) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (2) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (3) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (4) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $20; International Banking – $93, Global Wealth Management – $3, and Other– $(25). (5) Refer to Note 21 for closed divestitures impacting the current period. For the three months ended October 31, 2019 (1) Taxable equivalent basis ($ millions) Canadian International Global Global Other (2) Total Net interest income (3) $ 2,027 $ 2,093 $ 142 $ 337 $ (263 ) $ 4,336 Non-interest (4)(5) 656 1,093 1,007 833 43 3,632 Total revenues 2,683 3,186 1,149 1,170 (220 ) 7,968 Provision for credit losses 247 502 – 4 – 753 Non-interest 1,220 1,688 744 631 28 4,311 Provision for income taxes 318 231 102 130 (185 ) 596 Net income $ 898 $ 765 $ 303 $ 405 $ (63 ) $ 2,308 Net income attributable to non-controlling $ – $ 86 $ 4 $ – $ 17 $ 107 Net income attributable to equity holders of the Bank $ 898 $ 679 $ 299 $ 405 $ (80 ) $ 2,201 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (6) $ – $ 154 $ 2 $ – $ – $ 156 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 898 525 297 405 (80 ) 2,045 Average assets ($ billions) $ 349 $ 205 $ 25 $ 388 $ 124 $ 1,091 Average liabilities ($ billions) $ 263 $ 156 $ 33 $ 318 $ 251 $ 1,021 (1) Amounts for October 31, 2019 have been restated to reflect the reorganization of the business segments which now include Global Wealth Management. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $18; International Banking – $207, Global Wealth Management – $3, and Other – $(67). (6) Refer to Note 21 for closed divestitures impacting the current period. For the three months ended January 31, 2019 (1) Taxable equivalent basis ($ millions) Canadian International Global Global Other (2) Total Net interest income (3) $ 1,928 $ 2,045 $ 143 $ 372 $ (214 ) $ 4,274 Non-interest (4)(5) 656 1,092 955 703 (76 ) 3,330 Total revenues 2,584 3,137 1,098 1,075 (290 ) 7,604 Provision for credit losses 231 470 2 (16 ) 1 688 Non-interest 1,187 1,635 723 645 (19 ) 4,171 Provision for income taxes 305 204 96 111 (218 ) 498 Net income $ 861 $ 828 $ 277 $ 335 $ (54 ) $ 2,247 Net income attributable to non-controlling $ – $ 107 $ 4 $ – $ – $ 111 Net income attributable to equity holders of the Bank $ 861 $ 721 $ 273 $ 335 $ (54 ) $ 2,136 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (6) $ – $ 159 $ 4 $ – $ – $ 163 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 861 562 269 335 (54 ) 1,973 Average assets ($ billions) $ 334 $ 194 $ 25 $ 364 $ 116 $ 1,033 Average liabilities ($ billions) $ 248 $ 150 $ 30 $ 297 $ 239 $ 964 (1) Amounts for January 31, 2019 have been restated to reflect the reorganization of the business segments which now include Global Wealth Management. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $13; International Banking – $160, Global Wealth Management – $1, and Other – $(45). (6) Refer to Note 21 for closed divestitures impacting the current period.

Interest income and expense

Interest income and expense	3 Months Ended
	Jan. 31, 2020
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Interest income and expense	17. Interest income and expense For the three months ended January 31, 2020 October 31, 2019 January 31, 2019 ($ millions) Interest Interest Interest Interest Interest Interest Measured at amortized cost (1) $ 7,797 $ 3,777 $ 7,814 $ 3,916 $ 7,570 $ 3,711 Measured at FVOCI (1) 318 – 332 – 353 – 8,115 3,777 8,146 3,916 7,923 3,711 Other 121 (2) 67 (3) 106 (2) – 68 (2) 6 Total $ 8,236 $ 3,844 $ 8,252 $ 3,916 $ 7,991 $ 3,717 (1) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (2) Includes dividend income on equity securities. (3) The interest on lease liabilities was $30.

Earnings per share

Earnings per share	3 Months Ended
	Jan. 31, 2020
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Earnings per share	18. Earnings per share For the three months ended ($ millions) January 31 2020 October 31 2019 January 31 2019 Basic earnings per common share Net income attributable to common shareholders $ 2,262 $ 2,137 $ 2,107 Weighted average number of common shares outstanding (millions) 1,214 1,218 1,226 Basic earnings per common share (1) (in dollars) $ 1.86 $ 1.76 $ 1.72 Diluted earnings per common share Net income attributable to common shareholders $ 2,262 $ 2,137 $ 2,107 Dilutive impact of share-based payment options and others (2) 27 42 41 Net income attributable to common shareholders (diluted) $ 2,289 $ 2,179 $ 2,148 Weighted average number of common shares outstanding (millions) 1,214 1,218 1,226 Dilutive impact of share-based payment options and others (2) (millions) 33 42 29 Weighted average number of diluted common shares outstanding (millions) 1,247 1,260 1,255 Diluted earnings per common share (1) (in dollars) $ 1.84 $ 1.73 $ 1.71 (1) Earnings per share calculations are based on full dollar and share amounts. (2) Certain tandem stock appreciation rights or options as well as acquisition-related put/call options that the Bank may settle at its own discretion by issuing common shares were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial instruments

Financial instruments	3 Months Ended
	Jan. 31, 2020
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Financial instruments	19. Financial instruments (a) Risk management The Bank’s principal business activities result in a balance sheet that consists primarily of financial instruments. In addition, the Bank uses derivative financial instruments for both trading and hedging purposes. The principal financial risks that arise from transacting financial instruments include credit risk, liquidity risk and market risk. The Bank’s framework to monitor, evaluate and manage these risks is consistent with that in place as at October 31, 2019. (i) Credit risk Credit risk is the risk of loss resulting from the failure of a borrower or counterparty to honour its financial or contractual obligations to the Bank. Credit risk exposures disclosed below are presented based on the Basel framework utilized by the Bank. The Bank uses the Advanced Internal Ratings-Based approach (AIRB) for all material Canadian, U.S. and European portfolios, and for a significant portion of the international corporate and commercial portfolios. The remaining portfolios, including other international portfolios, are treated under the standardized approach. Under the AIRB approach, the Bank uses internal risk parameter estimates, based on historical experience. Under the standardized approach, credit risk is estimated using the risk weights as prescribed by the Basel framework, either based on credit assessments by external rating agencies or based on the counterparty type for non-retail Exposure at default (1) As at January 31, 2020 October 31 ($ millions) AIRB Standardized Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 394,821 $ 61,656 $ 456,477 $ 429,655 Undrawn commitments 100,418 3,705 104,123 100,161 Other exposures (4) 107,172 9,489 116,661 110,492 Total non-retail $ 602,411 $ 74,850 $ 677,261 $ 640,308 Retail Drawn (5) $ 213,704 $ 87,942 $ 301,646 $ 302,373 Undrawn commitments 50,594 – 50,594 50,843 Total retail $ 264,298 $ 87,942 $ 352,240 $ 353,216 Total $ 866,709 $ 162,792 $ 1,029,501 $ 993,524 (1) After credit risk mitigation and excludes equity securities and other assets. (2) Non-retail (3) Non-retail (4) Includes off-balance over-the-counter (5) Retail drawn includes residential mortgages, credit cards, lines of credit and other personal loans. Credit quality of non-retail The Bank’s non-retail Credit quality of retail exposures The Bank’s retail portfolios consist of a number of relatively small loans to a large number of borrowers. The portfolios are distributed across Canada and a wide range of countries. As such, the portfolios inherently have a high degree of diversification. In addition, as of January 31, 2020, 37% (October 31, 2019 – 39%) of the Canadian residential mortgage portfolio is insured. The average loan-to-value Retail standardized portfolio The retail standardized portfolio of $88 billion as at January 31, 2020 (October 31, 2019 – $92 billion) was comprised of residential mortgages, personal loans, credit cards and lines of credit to individuals, mainly in Latin America and the Caribbean. Of the total retail standardized exposures, $45 billion (October 31, 2019 – $47 billion) was represented by mortgages and loans secured by residential real estate, mostly with a loan-to-value (ii) Liquidity risk Liquidity risk is the risk that the Bank is unable to meet its financial obligations in a timely manner at reasonable prices. The Bank’s liquidity risk is subject to extensive risk management controls and is managed within the framework of policies and limits approved by the Board. The Board receives reports on risk exposures and performance against approved limits. The Asset/Liability Committee (ALCO) provides senior management oversight of liquidity risk. The key elements of the Bank’s liquidity risk management framework include: • liquidity risk measurement and management limits, including limits on maximum net cash outflow by currency over specified short-term horizons; • prudent diversification of its wholesale funding activities by using a number of different funding programs to access the global financial markets and manage its maturity profile, as appropriate; • large holdings of liquid assets to support its operations, which can generally be sold or pledged to meet the Bank’s obligations; • liquidity stress testing, including Bank-specific, global-systemic, and combination systemic/specific scenarios; and • liquidity contingency planning. The Bank’s foreign operations have liquidity management frameworks that are similar to the Bank’s framework. Local deposits are managed from a liquidity risk perspective based on the local management frameworks and regulatory requirements. (iii) Market risk Market risk arises from changes in market prices and rates (including interest rates, credit spreads, equity prices, foreign exchange rates and commodity prices), the correlations among them, and their levels of volatility. Interest rate risk Interest rate risk is the risk of loss due to the following: changes in the level, slope and curvature of the yield curve; the volatility of interest rates and changes in customers’ preferences (e.g. mortgage prepayment rates). Non-trading Foreign currency risk is the risk of loss due to changes in spot and forward rates. As at January 31, 2020, a one per cent increase (decrease) in the Canadian dollar against all currencies in which the Bank operates decreases (increases) the Bank’s before-tax A similar change in the Canadian dollar as at January 31, 2020, would decrease (increase) the unrealized foreign currency translation gains in the accumulated other comprehensive income section of shareholders’ equity by approximately $349 million (October 31, 2019 – $374 million), net of hedging. Non-trading Equity risk is the risk of loss due to adverse movements in equity prices. The Bank is exposed to equity risk through its investment equity portfolios. The fair value of investment equity securities is shown in Note 7. Trading portfolio risk management The table below shows the Bank’s VaR by risk factor along with Stressed VaR: For the three months ended As at As at January 31, 2020 January 31 October 31 January 31 ($ millions) Average High Low 2020 2019 2019 Credit spread plus interest rate $ 15.4 $ 20.4 $ 11.6 $ 17.8 $ 13.8 $ 9.8 Credit spread 7.6 11.1 6.2 11.1 8.0 6.1 Interest rate 10.7 14.7 6.5 11.7 7.2 7.0 Equities 3.3 7.0 1.8 7.0 3.4 4.2 Foreign exchange 5.9 10.3 2.5 9.1 2.7 2.5 Commodities 2.9 4.0 2.2 3.7 3.1 2.5 Debt specific 3.0 3.4 2.5 3.1 3.3 4.3 Diversification effect (16.5 ) n/a n/a (25.0 ) (10.9 ) (12.3 ) Total VaR $ 14.0 $ 18.7 $ 10.1 $ 15.7 $ 15.4 $ 11.0 Total Stressed VaR $ 47.5 $ 57.8 $ 34.3 $ 51.6 $ 45.9 $ 34.7 (iv) Operational risk Operational risk is the risk of loss, whether direct or indirect, to which the Bank is exposed due to inadequate or failed internal processes or systems, human error, or external events. Operational risk includes legal and regulatory risk, business process and change risk, fiduciary or disclosure breaches, cyber risks, technology failure, financial crime and environmental risk. It exists in some form in every Bank business and function. Operational risk can not only result in financial loss, but also regulatory sanctions and damage to the Bank’s reputation. The Bank has developed policies, processes and assessment methodologies to ensure that operational risk is appropriately identified and managed with effective controls. (b) Financial instruments designated at fair value through profit or loss In accordance with its risk management strategy, the Bank has elected to designate certain senior note liabilities at fair value through profit or loss to reduce an accounting mismatch between fair value changes in these instruments and fair value changes in related derivatives, and where a hybrid financial liability contains one or more embedded derivatives that are not closely related to the host contract. Changes in fair value of financial liabilities arising from the Bank’s own credit risk are recognized in other comprehensive income, without subsequent reclassification to net income. The cumulative fair value adjustment due to own credit risk is determined at a point in time by comparing the present value of expected future cash flows over the term of these liabilities discounted at the Bank’s effective funding rate, and the present value of expected future cash flows discounted under a benchmark rate. The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. Fair value Change in fair value Cumulative change in fair value (1) As at For the three months ended As at ($ millions) January 31 October 31 January 31 October 31 January 31 January 31 October 31 January 31 Liabilities Senior note liabilities (2) $ 12,994 $ 12,235 $ (122 ) $ (262 ) $ (176 ) $ (574 ) $ (452 ) $ 602 (1) The cumulative change in fair value is measured from the instruments’ date of initial recognition. (2) Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in non-interest The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. Senior Note Liabilities ($ millions) Contractual (1) Carrying value Difference Changes in fair value Cumulative changes (1) As at January 31, 2020 $ 12,420 $ 12,994 $ (574 ) $ (12 ) $ (67 ) As at October 31, 2019 11,783 12,235 (452 ) 18 (55 ) As at January 31, 2019 10,509 9,907 602 30 (36 ) (1) The cumulative change in fair value is measured from the instruments’ date of initial recognition. (c) Financial instruments – fair value Fair value of financial instruments The calculation of fair value is based on market conditions at a specific point in time and therefore may not be reflective of future fair values. The Bank has controls and processes in place to ensure that the valuation of financial instruments is appropriately determined. Refer to Note 7 of the Bank’s consolidated financial statements in the 2019 Annual Report for the valuation techniques used to fair value its significant financial assets and liabilities. The following table sets out the fair values of financial instruments of the Bank and excludes non-financial As at January 31, 2020 October 31, 2019 ($ millions) Total fair Total Total fair value Total Assets: Cash and deposits with financial institutions $ 69,291 $ 69,291 $ 46,720 $ 46,720 Trading assets 144,731 144,731 127,488 127,488 Securities purchased under resale agreements and securities borrowed 146,432 146,432 131,178 131,178 Derivative financial instruments 43,083 43,083 38,119 38,119 Investment securities–fair value 57,264 57,264 60,514 60,514 Investment securities–amortized cost 20,912 20,739 22,000 21,845 Loans 597,836 592,279 600,155 592,483 Customers’ liability under acceptances 21,364 21,364 13,896 13,896 Other financial assets 20,123 20,123 15,142 15,142 Liabilities: Deposits 766,067 763,850 735,270 733,390 Financial instruments designated at fair value through profit or loss 12,994 12,994 12,235 12,235 Acceptances 21,389 21,389 13,901 13,901 Obligations related to securities sold short 32,439 32,439 30,404 30,404 Derivative financial instruments 43,139 43,139 40,222 40,222 Obligations related to securities sold under repurchase agreements and securities lent 143,019 143,019 124,083 124,083 Subordinated debentures 7,673 7,295 7,553 7,252 Other financial liabilities 37,906 37,318 38,338 37,713 (d) Fair value hierarchy The best evidence of fair value for a financial instrument is the quoted price in an active market. Unadjusted quoted market prices for identical instruments represent a Level 1 valuation. Where possible, valuations are based on quoted prices or observable inputs obtained from active markets. Quoted prices are not always available for over-the-counter Where financial instruments trade in inactive markets or when using models where observable parameters do not exist, greater management judgment is required for valuation purposes. Valuations that require the significant use of unobservable inputs are considered as Level 3. The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. As at January 31, 2020 October 31, 2019 ($ millions) Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Instruments carried at fair value on a recurring basis: Assets: Precious metals (1) $ – $ 3,593 $ 23 $ 3,616 $ – $ 3,709 $ – $ 3,709 Trading assets Loans – 15,793 22 15,815 – 13,829 – 13,829 Canadian federal government and government guaranteed debt 13,535 1,721 – 15,256 9,345 1,828 – 11,173 Canadian provincial and municipal debt – 11,578 – 11,578 – 7,615 – 7,615 US treasury and other US agencies’ debt 10,032 – – 10,032 8,604 – – 8,604 Other foreign governments’ debt 5,742 4,345 – 10,087 6,058 3,224 – 9,282 Corporate and other debt – 10,836 19 10,855 – 10,523 17 10,540 Income funds 96 – – 96 73 – – 73 Equity securities 70,027 140 – 70,167 65,215 161 1 65,377 Other (2) 845 – – 845 995 – – 995 $ 100,277 $ 48,006 $ 64 $ 148,347 $ 90,290 $ 40,889 $ 18 $ 131,197 Investment securities (3) Canadian federal government and government guaranteed debt 6,604 3,728 – 10,332 8,464 3,917 – 12,381 Canadian provincial and municipal debt 177 2,596 – 2,773 197 3,044 – 3,241 US treasury and other US agencies’ debt 14,467 4,507 – 18,974 16,117 3,772 – 19,889 Other foreign governments’ debt 8,361 12,427 23 20,811 10,973 9,608 30 20,611 Corporate and other debt 232 1,143 27 1,402 230 1,784 21 2,035 Equity securities 1,586 616 770 2,972 1,204 284 869 2,357 $ 31,427 $ 25,017 $ 820 $ 57,264 $ 37,185 $ 22,409 $ 920 $ 60,514 Derivative financial instruments Interest rate contracts $ – $ 16,797 $ 7 $ 16,804 $ - $ 16,621 $ 15 $ 16,636 Foreign exchange and gold contracts – 20,994 – 20,994 8 17,309 – 17,317 Equity contracts 401 2,283 1 2,685 599 1,394 2 1,995 Credit contracts – 177 – 177 – 406 – 406 Commodity contracts – 2,416 7 2,423 6 1,759 – 1,765 $ 401 $ 42,667 $ 15 $ 43,083 $ 613 $ 37,489 $ 17 $ 38,119 Liabilities: Deposits (4) $ – $ 155 $ – $ 155 $ – $ 144 $ – $ 144 Financial liabilities designated at fair value through profit or loss – 12,994 – 12,994 – 12,235 – 12,235 Obligations related to securities sold short 27,413 5,026 – 32,439 26,669 3,735 – 30,404 Derivative financial instruments Interest rate contracts – 14,949 38 14,987 – 13,867 71 13,938 Foreign exchange and gold contracts – 21,890 – 21,890 – 20,350 – 20,350 Equity contracts 325 2,529 3 2,857 530 2,557 6 3,093 Credit contracts – 37 – 37 – 38 – 38 Commodity contracts – 3,349 19 3,368 – 2,803 – 2,803 $ 325 $ 42,754 $ 60 $ 43,139 $ 530 $ 39,615 $ 77 $ 40,222 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable. (2) Represents energy related assets. (3) Excludes debt investment securities measured at amortized cost of $20,739 (October 31, 2019 – $21,845). (4) These amounts represent embedded derivatives bifurcated from structured notes. Level 3 instrument fair value changes Financial instruments categorized as Level 3 as at January 31, 2020, in the fair value hierarchy comprise certain precious metals, certain foreign government bonds, structured corporate bonds, investments in private equity securities and complex derivatives. The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended January 31, 2020. All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. As at January 31, 2020 ($ millions) Fair Gains/ Gains/ Purchases/ Sales/ Transfers Fair Changes in (1) Precious metals $ – $ – $ – $ 23 $ – $ – $ 23 $ – – – – 23 – – 23 – Trading assets Loans – – – 22 – – 22 – Corporate and other debt 17 2 – – – – 19 2 Equity securities 1 – – – (1 ) – – – 18 2 – 22 (1 ) – 41 2 Investment securities Other foreign governments’ debt 30 – (3 ) – (4 ) – 23 n/a Corporate and other debt 21 – 6 – – – 27 n/a Equity securities 869 9 (3 ) 94 (199 ) – 770 9 920 9 – 94 (203 ) – 820 9 Derivative financial Interest rate contracts 15 – – 1 – (9 ) 7 – Equity contracts 2 1 – – – (2 ) 1 1 (2) Commodity contracts – 7 – – – – 7 7 Derivative financial Interest rate contracts (71 ) 3 – (2 ) – 32 (38 ) 3 (3) Equity contracts (6 ) 1 – – – 2 (3 ) 1 (2) Commodity contracts – (19 ) – – – – (19 ) (19 ) (60 ) (7 ) – (1 ) – 23 (45 ) (7 ) Total $ 878 $ 4 $ – $ 138 $ (204 ) $ 23 $ 839 $ 4 (1) These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. (2) Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market (3) Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended October 31, 2019: As at October 31, 2019 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Precious metals $ 1 $ – $ – $ – $ (1 ) $ – $ – Trading assets 14 2 – 2 – – 18 Investment securities 861 19 (1 ) 54 (13 ) – 920 Derivative financial instruments (9 ) (13 ) – (35 ) – (3 ) (60 ) (1) Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2. Significant transfers Significant transfers can occur between the fair value hierarchy levels when additional or new information regarding valuation inputs and their refinement and observability become available. The Bank recognizes transfers between levels of the fair value hierarchy as of the end of the reporting period during which the change has occurred. There were no significant transfers into and out of Level 3 during the three months ended January 31, 2020 and October 31, 2019. Level 3 sensitivity The Bank applies judgment in determining unobservable inputs used to calculate the fair value of Level 3 instruments. Refer to Note 7 of the Bank’s audited consolidated financial statements for the year ended October 31, 2019 for a description of the significant unobservable inputs for Level 3 instruments and the potential effect that a change in each unobservable input may have on the fair value measurement. There have been no significant changes to the Level 3 sensitivities during the quarter.

Corporate income taxes

Corporate income taxes	3 Months Ended
	Jan. 31, 2020
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Corporate income taxes	20. Corporate income taxes Since 2016, the Bank has received reassessments totalling $575 million of tax and interest as a result of the Canada Revenue Agency denying the tax deductibility of certain Canadian dividends received during the 2011-2013 taxation years. In October 2019, the Bank was reassessed for $223 million of tax and interest in respect of certain Canadian dividends received during the 2014 taxation year. The circumstances of the dividends subject to these reassessments are similar to those prospectively addressed by rules introduced in 2015 and 2018. The Bank is confident that its tax filing position was appropriate and in accordance with the relevant provisions of the Income Tax Act (Canada) and intends to vigourously defend its position.

Divestitures

Divestitures	3 Months Ended
	Jan. 31, 2020
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Divestitures	21. Divestitures Closed divestitures impacting the current period Thanachart Bank, Thailand On December 3, 2019, the Bank completed the sale to reduce its 49% interest in Thanachart Bank Public Company Limited (“TBank”) in Thailand, upon receiving regulatory approvals and satisfying closing conditions. As part of agreements entered into with ING Groep N.V., TBank, Thanachart Capital Public Co., Ltd and TMB Bank Public Company Limited (“TMB”) in August 2019, the Bank sold its 49% interest in TBank in exchange for cash and an approximately 6% ownership interest in the form of common shares in TMB. As per the agreements, TBank became a wholly-owned subsidiary of TMB. The shares held by the Bank in TMB are classified as investment securities measured at fair value through profit or loss. The carrying value of the Bank’s 49% interest in TBank of $3.6 billion was derecognized on the date of close and a net gain of approximately $426 million before tax ($414 million after tax) was recorded in the current quarter in Non-interest income – Other and reported in the Other segment. The transaction increased the Bank’s common equity Tier 1 (CET1) ratio by approximately 36 basis points. As part of the overall transaction, the Bank retained a 49% interest in two TBank subsidiaries, which are classified as investment in associates and the Bank will follow the equity method of accounting. Pension fund operations in Colombia On December 13, 2019, the Bank completed the sale of its 51% interest in AFP Colfondos to an affiliate of AFP Habitat, upon receiving regulatory approvals and satisfying closing conditions. All assets and liabilities of approximately $240 million and $53 million, respectively, in relation to these operations have been derecognized on the date of close and a total loss of approximately $112 million after tax and non-controlling interests was recorded in the Other segment. Losses of $64 million and $48 million were recorded in Q4, 2019 and in the current quarter, respectively. In the Consolidated Statement of Shareholder’s Equity, a gain of $27 million after tax has been reclassified from AOCI to retained earnings this quarter related to investment securities designated as fair value through other comprehensive income, bringing the net impact of the divestiture to a net loss of $85 million. Operations in Puerto Rico and the U.S. Virgin Islands On December 31, 2019, the Bank completed the sale of its operations in Puerto Rico and the U.S. Virgin Islands (“USVI”) to Oriental Bank, a subsidiary of OFG Bancorp, upon receiving regulatory approvals and satisfying closing conditions. All assets and liabilities of approximately $4,800 million and $4,166 million, respectively, in relation to these operations have been derecognized on the date of close and a total loss of approximately $424 million after tax was recorded in the Other segment. Losses of $402 million and $22 million were recorded in Q3, 2019 and in the current quarter, respectively. The transaction increased the Bank’s common equity Tier 1 (CET1) ratio this quarter by approximately seven basis points. Insurance and banking operations in El Salvador On January 31, 2020, the Bank completed the sale of its banking and insurance operations in El Salvador, including Scotiabank El Salvador, its subsidiaries and Scotia Seguros to Imperia Intercontinental Inc, upon receiving regulatory approvals and satisfying closing conditions. All assets and liabilities of approximately $2,796 million and $2,481 million, respectively, in relation to these operations have been derecognized on the date of close and a total loss of approximately $164 million after tax was recorded in the Other segment. An after tax loss of $136 million was recorded in 2019. A further loss of $28 million was recorded in the current quarter. The transaction increased the Bank’s common equity Tier 1 (CET1) ratio by approximately four basis points. Closed divestiture impacting prior periods Pension and insurance operations in the Dominican Republic On April 30, 2019, the Bank completed the sale of Scotia Crecer AFP and Scotia Seguros, its pension and related insurance businesses in the Dominican Republic to Grupo Rizek, upon receiving regulatory approvals and satisfying closing conditions. All assets and liabilities of approximately $111 million and $26 million, respectively, in relation to this business have been derecognized on the date of close and a net gain of approximately $273 million after tax was recorded in Q2, 2019 and reported in the Other segment. Banking operations in the Caribbean On October 31, 2019, the bank completed the sale of its banking operations in seven non-core markets in the Caribbean (Anguilla, Dominica, Grenada, St. Kitts & Nevis, St. Lucia, St. Maarten, St. Vincent & the Grenadines) to Republic Financial Holdings Limited, upon receiving regulatory approvals and satisfying closing conditions. All assets and liabilities of approximately $2,086 million and $2,069 million, respectively, in relation to these operations have been derecognized on the date of close and a net gain of approximately $38 million after tax was recorded in Q4, 2019 and reported in the Other segment. Divestiture announced that is expected to close in future period Operations in British Virgin Islands On November 28, 2019, the Bank announced the sale of its 100% interest in Scotiabank (British Virgin Islands) Limited to Republic Financial Holdings Limited. The transaction is subject to regulatory approvals and customary closing conditions. This divestiture is not considered material to the Bank.

Significant Accounting Polici_2

Significant Accounting Policies (Policies)	3 Months Ended
	Jan. 31, 2020
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Leases	Leases At inception of a contract, the Bank assesses whether a contract is, or contains, a lease. A contract is a lease if the contract conveys the right to control the use of an identified asset for a period of time in exchange for consideration. As a lessee The Bank recognizes a right-of-use Asset A ROU is an asset that represents a lessee’s right to use an underlying asset for the lease term. The ROU asset is initially measured at cost, which is based on the initial amount of the lease liability, and any direct costs incurred, any lease payments made at or before the commencement date net of lease incentives received, and estimated decommissioning costs. The ROU asset is subsequently measured at cost less accumulated depreciation and accumulated impairment losses, if any. The ROU asset is depreciated using the straight-line method from the commencement date to the earlier of the end of the useful life of the ROU asset or the end of the lease term. The depreciation is recorded in Depreciation and amortization in the Consolidated Statement of Income. In addition, the ROU asset is adjusted for certain remeasurements of the lease liability. Liability At commencement date, the Bank initially measures the lease liability at the present value of the future lease payments, discounted using the Bank’s incremental borrowing rate. The Bank’s discount rate is based on the borrowing rate on its debt of different maturities that match the term of the lease. The discount rate is also dependent on the Bank’s credit risk and economic environment in which the lease is entered. The lease liability is subsequently measured at amortized cost using the effective interest method. It is re-measured When the lease liability is re-measured right-of-use Presentation The Bank presents ROU assets in “Property and equipment” and lease liabilities in “Other liabilities” in the Consolidated Statement of Financial Position. Sale and lease back transactions Where the Bank enters into a sale-and-leaseback Short-term leases and leases of low-value The Bank has elected not to recognize ROU assets and lease liabilities for short-term leases of assets that have a lease term of 12 months or less and leases of low-value Determining lease term The Bank’s expectation of exercising the option to renew a lease is determined by assessing if the Bank is “reasonably certain” to exercise that option. The Bank will be reasonably certain to exercise an option when factors create a significant economic incentive to do so. This assessment requires a significant level of judgement as it is based on current expectations of future decisions. The Bank considers the following criteria when determining whether it has an economic incentive that makes it reasonably certain to exercise an option: key locations for its branch network, locations on which the Bank has spent significant capital on renovation work, contribution to profit, value of locations based on current economic environment and the remaining term of existing leases.
Hedge accounting	Hedging Relationships Directly Impacted by Interest Rate Benchmark Reform On September 26, 2019, the IASB issued amendments to IAS 39 and IFRS 7 (the “Amendments”) for hedging relationships that are directly impacted by the Interest Rate Benchmark Reform (the “Reform”). The Amendments provide temporary relief for certain aspects of hedge accounting, in order to address uncertainties arising from the Reform with respect to: a) the interest rate benchmark designated as a hedged risk; and/or b) the timing or the amount of interest rate benchmark-based cash flows of the hedged item or of the hedging instrument. The Amendments are mandatorily effective as at November 1, 2020 for the Bank, and will continue to apply up to the point where such uncertainties are eliminated. The Bank designates certain derivative and non-derivative instruments in hedge accounting relationships, and currently applies the hedge accounting requirements of IAS 39 and related disclosure requirements of IFRS 7. The Bank early adopted the Amendments to IAS 39 and IFRS 7 effective November 1, 2019, as permitted by the standard. Consequently, hedging relationships and balances outstanding as at November 1, 2019, and those designated thereafter, that are directly affected by the Reform, would be subject to the accounting and disclosure requirements of the Amendments on a retrospective basis. For aspects of hedge accounting not covered by the Amendments and hedges that are not directly impacted by the Reform, the accounting policies as described in Note 3 of the Bank’s consolidated financial statements in the 2019 Annual Report continue to apply. Assessment of Hedge Effectiveness Under IAS 39, the Bank formally assesses, both at each hedge’s inception and on an ongoing basis, whether the hedging instruments are highly effective in offsetting changes in fair value or cash flows of the hedged items within an 80-125% range. This assessment incorporates a comparison of critical terms of the hedged and hedging item, and regression analysis, in order to determine (i) whether the hedge relationship is expected to be highly effective going forward (i.e. prospective effectiveness assessment) and (ii) whether the hedge was actually highly effective for the designated period (i.e. retrospective effectiveness assessment). In assessing prospective hedge effectiveness for a hedge relationship directly impacted by the Reform, the Bank will assume that the benchmark interest rate is not altered as a result of the Reform. In instances of assessing retrospective hedge effectiveness where a hedge relationship directly impacted by the Reform fall outside of the 80-125% range, the Bank will continue hedge accounting as long as other hedge accounting requirements are met. Requirements Specific to Cash Flow Hedges For the Bank’s cash flow hedges of forecasted transactions that are directly affected by the Reform, it is assumed that the benchmark interest rate will not be altered as a result of the Reform for purposes of assessing whether the transactions are highly probable or whether the transactions are still expected to occur. Summary of Exposures Currently, the Bank’s hedge relationships referencing USD LIBOR, EURIBOR and GBP LIBOR, and extending beyond December 31, 2021 are viewed to be directly impacted by the Reform and thus subject to the requirements of the Amendments. The following table summarizes the Bank’s hedging derivatives as at November 1, 2019 relating to hedges directly impacted by the Reform: As at November 1, 2019 ($ billions) Interest Rate Benchmark Index Notional of Hedging Derivatives USD LIBOR 81.4 EURIBOR 25.9 GBP LIBOR 3.3 Total 110.6 The specific interest rate benchmarks affected by the Reform, as well as the pace and timing at which markets transition away from the existing IBOR benchmark rate to an alternative benchmark rate, will vary across different rates, jurisdictions and product types. As such, the Bank is applying its best judgement to analyze market expectations, in order to identify the interest rate benchmarks and related hedges impacted by the Reform.
Changes in accounting policies	IFRIC 23 Uncertainty over income tax treatments IFRIC 23 which became effective for the Bank beginning November 1, 2019 clarifies the accounting for uncertainties over income taxes. The interpretation provides guidance on how to apply the recognition and measurement requirements in IAS 12 Income Taxes

Significant Accounting Polici_3

Significant Accounting Policies (Tables)	3 Months Ended
	Jan. 31, 2020
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Summary Of Bank's hedging derivatives	The following table summarizes the Bank’s hedging derivatives as at November 1, 2019 relating to hedges directly impacted by the Reform: As at November 1, 2019 ($ billions) Interest Rate Benchmark Index Notional of Hedging Derivatives USD LIBOR 81.4 EURIBOR 25.9 GBP LIBOR 3.3 Total 110.6

Cash and deposits with financ_2

Cash and deposits with financial institutions (Tables)	3 Months Ended
	Jan. 31, 2020
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Summary of Cash and Deposits with Financial Institutions	As at ($ millions) January 31 October 31 Cash and non-interest-bearing deposits with financial institutions $ 10,233 $ 10,904 Interest-bearing deposits with financial institutions 59,058 35,816 Total $ 69,291 (1) $ 46,720 (1) (1) Net of impairment allowances of $ 2

Investment securities (Tables)

Investment securities (Tables)	3 Months Ended
	Jan. 31, 2020
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Disclosure of Carrying Value Of Banks Investment Securities Per Measurement Category	The following table presents the carrying amounts of the Bank’s investment securities per measurement category. As at ($ millions) January 31 October 31 Debt investment securities measured at FVOCI $ 54,292 $ 58,157 Debt investment securities measured at amortized cost 20,739 21,845 Equity investment securities designated at FVOCI 1,481 1,561 Investment securities measured at FVTPL 1,491 796 Total investment securities $ 78,003 $ 82,359
Disclosure of Unrealized Gains and Losses on Fair Value through Other Comprehensive Income Securities	As at January 31, 2020 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 10,084 $ 252 $ 4 $ 10,332 Canadian provincial and municipal debt 2,728 47 2 2,773 U.S. treasury and other U.S. agency debt 18,543 434 3 18,974 Other foreign government debt 20,712 110 11 20,811 Other debt 1,374 28 – 1,402 Total $ 53,441 $ 871 $ 20 $ 54,292 As at October 31, 2019 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 12,176 $ 216 $ 11 $ 12,381 Canadian provincial and municipal debt 3,203 42 4 3,241 U.S. treasury and other U.S. agency debt 19,527 384 22 19,889 Other foreign government debt 20,543 87 19 20,611 Other debt 2,012 24 1 2,035 Total $ 57,461 $ 753 $ 57 $ 58,157
Summary of Analysis of Fair Value and Carrying Value of Investment Securities Measured at Amortized Cost	As at January 31, 2020 October 31, 2019 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 7,286 $ 7,276 $ 7,575 $ 7,580 U.S. treasury and other U.S. agency debt 8,738 8,599 9,419 9,279 Other foreign government debt 2,003 1,992 1,979 1,970 Corporate debt 2,885 2,872 3,027 3,016 Total $ 20,912 $ 20,739 $ 22,000 $ 21,845 (1) Balances are net of impairment allowances of nil (October 31, 2019–nil).
Summary of Equity Investment Securities Designated as at Fair Value Through Other Comprehensive Income	As at January 31, 2020 ($ millions) Cost Gross Gross Fair value Preferred equity instruments $ 20 $ – $ 4 $ 16 Common shares 1,255 228 18 1,465 Total $ 1,275 $ 228 $ 22 $ 1,481 As at October 31, 2019 ($ millions) Cost Gross Gross Fair value Preferred equity instruments $ 146 $ – $ 53 $ 93 Common shares 1,262 223 17 1,468 Total $ 1,408 $ 223 $ 70 $ 1,561

Loans, impaired loans and all_2

Loans, impaired loans and allowance for credit losses (Tables)	3 Months Ended
	Jan. 31, 2020
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Disclosure of loans at amortized cost	(a) Loans at amortized cost As at January 31, 2020 October 31, 2019 ($ millions) Gross Allowance Net Gross Allowance Net carrying Residential mortgages $ 268,670 $ 639 $ 268,031 $ 268,169 $ 680 $ 267,489 Personal loans 96,703 2,090 94,613 98,631 2,065 96,566 Credit cards 17,715 1,244 16,471 17,788 1,255 16,533 Business and government 214,212 1,048 213,164 212,972 1,077 211,895 Total $ 597,300 $ 5,021 $ 592,279 $ 597,560 $ 5,077 $ 592,483
Schedule of Impaired Loans	(b) Impaired loans (1)(2) As at January 31, 2020 October 31, 2019 ($ millions) Gross Allowance for Net Gross Allowance for Net Residential mortgages $ 1,614 $ 288 $ 1,326 $ 1,830 $ 325 $ 1,505 Personal loans 1,124 593 531 1,094 591 503 Credit cards – – – – – – Business and government 2,032 656 1,376 2,211 679 1,532 Total $ 4,770 $ 1,537 $ 3,233 $ 5,135 $ 1,595 $ 3,540 By geography: Canada $ 1,241 $ 384 $ 857 $ 1,133 $ 375 $ 758 United States 23 4 19 94 5 89 Mexico 528 189 339 485 178 307 Peru 613 309 304 642 332 310 Chile 811 170 641 844 180 664 Colombia 501 139 362 505 151 354 Other international 1,053 342 711 1,432 374 1,058 Total $ 4,770 $ 1,537 $ 3,233 $ 5,135 $ 1,595 $ 3,540 (1) Interest income recognized on impaired loans during the three months ended January 31, 2020 was $11 (October 31, 2019 – $12). (2) Additional interest income of approximately $81 would have been recorded if the above loans had not been classified as impaired (October 31, 2019–$92).
Schedule of Allowance for Credit Losses	Allowance for credit losses ($ millions) Balance as at Provision for Net write-offs Other, including Balance as at Residential mortgages $ 680 $ 50 $ (23 ) $ (68 ) $ 639 Personal loans 2,065 463 (410 ) (28 ) 2,090 Credit cards 1,255 303 (304 ) (10 ) 1,244 Business and government 1,139 110 (90 ) (46 ) 1,113 $ 5,139 $ 926 $ (827 ) $ (152 ) $ 5,086 Presented as: Allowance for credit losses on loans $ 5,077 $ 5,021 Allowance for credit losses on acceptances (1) 6 15 Allowance for credit losses on off-balance exposures (2) 56 50 (1) Allowance for credit losses on acceptances are recorded against the financial asset in the Consolidated Statement of Financial Position. (2) Allowance for credit losses on off-balance ($ millions) Balance as at Provision for Net write-offs Other, including Balance as at Residential mortgages $ 678 $ 32 $ (18 ) $ 17 $ 709 Personal loans 2,109 366 (408 ) 44 2,111 Credit cards 1,213 225 (257 ) 31 1,212 Business and government 1,147 62 (49 ) (3 ) 1,157 $ 5,147 $ 685 $ (732 ) $ 89 $ 5,189 Presented as: Allowance for credit losses on loans $ 5,065 $ 5,111 Allowance for credit losses on acceptances (1) 8 9 Allowance for credit losses on off-balance exposures (2) 74 69 (1) Allowance for credit losses on acceptances are recorded against the financial asset in the Consolidated Statement of Financial Position. (2) Allowance for credit losses on off-balance Allowance for credit losses on loans As at January 31, 2020 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 133 $ 218 $ 288 $ 639 Personal loans 619 878 593 2,090 Credit cards 407 837 – 1,244 Business and government 160 236 652 1,048 Total (1) $ 1,319 $ 2,169 $ 1,533 $ 5,021 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 4 As at October 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 126 $ 229 $ 325 $ 680 Personal loans 609 865 591 2,065 Credit cards 424 831 – 1,255 Business and government 153 245 679 1,077 Total (1) $ 1,312 $ 2,170 $ 1,595 $ 5,077 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 6 8 As at January 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 121 $ 226 $ 362 $ 709 Personal loans 596 875 640 2,111 Credit cards 410 802 – 1,212 Business and government 152 249 678 1,079 Total (1) $ 1,279 $ 2,152 $ 1,680 $ 5,111 (1) Excludes allowance for credit losses for other financial assets including acceptances, investment securities, deposits with banks and off-balance 88 The following table presents the changes to the allowance for credit losses on loans. As at January 31, 2020 As at January 31, 2019 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Residential mortgages Balance at beginning of period $ 126 $ 229 $ 325 $ 680 $ 112 $ 206 $ 360 $ 678 Provision for credit losses Remeasurement (1) (8 ) 10 14 16 (24 ) 8 29 13 Newly originated or purchased financial assets 6 – – 6 23 – – 23 Derecognition of financial assets and maturities – (2 ) – (2 ) (1 ) (3 ) – (4 ) Changes in models and methodologies 7 6 17 30 – – – – Transfer to (from): Stage 1 15 (13 ) (2 ) – 12 (11 ) (1 ) – Stage 2 (5 ) 24 (19 ) – (5 ) 28 (23 ) – Stage 3 – (11 ) 11 – – (9 ) 9 – Gross write-offs – – (30 ) (30 ) – – (20 ) (20 ) Recoveries – – 7 7 – – 2 2 Foreign exchange and other movements (8 ) (25 ) (35 ) (68 ) 4 7 6 17 Balance at end of period (2) $ 133 $ 218 $ 288 $ 639 $ 121 $ 226 $ 362 $ 709 Personal loans Balance at beginning of period $ 609 $ 865 $ 591 $ 2,065 $ 578 $ 887 $ 644 $ 2,109 Provision for credit losses Remeasurement (1) (142 ) 151 342 351 (152 ) 140 304 292 Newly originated or purchased financial assets 98 – – 98 118 – – 118 Derecognition of financial assets and maturities (24 ) (27 ) – (51 ) (19 ) (25 ) – (44 ) Changes in models and methodologies 16 33 16 65 – – – – Transfer to (from): Stage 1 131 (128 ) (3 ) – 108 (107 ) (1 ) – Stage 2 (51 ) 68 (17 ) – (46 ) 66 (20 ) – Stage 3 (1 ) (89 ) 90 – (1 ) (79 ) 80 – Gross write-offs – – (476 ) (476 ) – – (480 ) (480 ) Recoveries – – 66 66 – – 72 72 Foreign exchange and other movements (17 ) 5 (16 ) (28 ) 10 (7 ) 41 44 Balance at end of period (2) $ 619 $ 878 $ 593 $ 2,090 $ 596 $ 875 $ 640 $ 2,111 Credit cards Balance at beginning of period $ 424 $ 831 $ – $ 1,255 $ 401 $ 812 $ – $ 1,213 Provision for credit losses Remeasurement (1) (75 ) 123 205 253 (68 ) 108 170 210 Newly originated or purchased financial assets 46 – – 46 46 – – 46 Derecognition of financial assets and maturities (16 ) (15 ) – (31 ) (14 ) (17 ) – (31 ) Changes in models and methodologies 6 29 – 35 – – – – Transfer to (from): Stage 1 62 (62 ) – – 69 (69 ) – – Stage 2 (34 ) 34 – – (32 ) 32 – – Stage 3 – (78 ) 78 – – (70 ) 70 – Gross write-offs – – (361 ) (361 ) – – (312 ) (312 ) Recoveries – – 57 57 – – 55 55 Foreign exchange and other movements (6 ) (25 ) 21 (10 ) 8 6 17 31 Balance at end of period (2) $ 407 $ 837 $ – $ 1,244 $ 410 $ 802 $ – $ 1,212 Business and government Balance at beginning of period $ 191 $ 263 $ 679 $ 1,133 $ 173 $ 291 $ 675 $ 1,139 Provision for credit losses Remeasurement (1) (15 ) 9 102 96 (16 ) 12 69 65 Newly originated or purchased financial assets 39 – – 39 39 – – 39 Derecognition of financial assets and maturities (32 ) (7 ) (5 ) (44 ) (27 ) (8 ) (7 ) (42 ) Changes in models and methodologies 13 9 – 22 – – – – Transfer to (from): Stage 1 8 (8 ) – – 30 (30 ) – – Stage 2 (3 ) 3 – – (5 ) 7 (2 ) – Stage 3 (2 ) (4 ) 6 – – (2 ) 2 – Gross write-offs – – (96 ) (96 ) – – (65 ) (65 ) Recoveries – – 6 6 – – 16 16 Foreign exchange and other movements (2 ) (16 ) (40 ) (58 ) 3 2 (9 ) (4 ) Balance at end of period including off-balance (2) $ 197 $ 249 $ 652 $ 1,098 $ 197 $ 272 $ 679 $ 1,148 Less: Allowance for credits losses on off-balance (3) (37 ) (13 ) – (50 ) (45 ) (23 ) (1 ) (69 ) Balance at end of period (2) $ 160 $ 236 $ 652 $ 1,048 $ 152 $ 249 $ 678 $ 1,079 (1) Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. (2) Interest income on impaired loans for residential mortgages, personal and credit cards, and business and government loans totaled $81 (October 31, 2019–$92). (3) Allowance for credit losses on off-balance
Summary of Carrying Value of Exposures by Risk Rating	(d) Carrying value of exposures by risk rating Residential mortgages As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 155,542 $ 435 $ – $ 155,977 $ 151,824 $ 405 $ – $ 152,229 Low 60,443 425 – 60,868 61,317 489 – 61,806 Medium 14,113 962 – 15,075 14,476 1,059 – 15,535 High 989 2,850 – 3,839 1,404 3,309 – 4,713 Very high 9 1,632 – 1,641 11 1,728 – 1,739 Loans not graded (2) 25,893 3,763 – 29,656 26,497 3,820 – 30,317 Default – – 1,614 1,614 – – 1,830 1,830 Total $ 256,989 $ 10,067 $ 1,614 $ 268,670 $ 255,529 $ 10,810 $ 1,830 $ 268,169 Allowance for credit losses 133 218 288 639 126 229 325 680 Carrying value $ 256,856 $ 9,849 $ 1,326 $ 268,031 $ 255,403 $ 10,581 $ 1,505 $ 267,489 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Personal loans As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 29,983 $ 78 $ – $ 30,061 $ 29,988 $ 92 $ – $ 30,080 Low 26,838 259 – 27,097 26,928 263 – 27,191 Medium 8,785 411 – 9,196 8,961 396 – 9,357 High 7,423 3,753 – 11,176 7,472 3,617 – 11,089 Very high 47 1,434 – 1,481 44 1,604 – 1,648 Loans not graded (2) 14,544 2,024 – 16,568 15,973 2,199 – 18,172 Default – – 1,124 1,124 – – 1,094 1,094 Total $ 87,620 $ 7,959 $ 1,124 $ 96,703 $ 89,366 $ 8,171 $ 1,094 $ 98,631 Allowance for credit losses 619 878 593 2,090 609 865 591 2,065 Carrying value $ 87,001 $ 7,081 $ 531 $ 94,613 $ 88,757 $ 7,306 $ 503 $ 96,566 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Credit cards As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 1,551 $ 8 $ – $ 1,559 $ 1,509 $ 9 $ – $ 1,518 Low 2,663 20 – 2,683 2,580 17 – 2,597 Medium 3,719 32 – 3,751 3,688 34 – 3,722 High 3,153 1,459 – 4,612 3,139 1,424 – 4,563 Very high 22 823 – 845 23 735 – 758 Loans not graded (1) 2,753 1,512 – 4,265 3,217 1,413 – 4,630 Default – – – – – – – – Total $ 13,861 $ 3,854 $ – $ 17,715 $ 14,156 $ 3,632 $ – $ 17,788 Allowance for credit losses 407 837 – 1,244 424 831 – 1,255 Carrying value $ 13,454 $ 3,017 $ – $ 16,471 $ 13,732 $ 2,801 $ – $ 16,533 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Undrawn loan As at January 31, 2020 As at October 31, 2019 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 78,790 $ – $ – $ 78,790 $ 77,614 $ 1 $ – $ 77,615 Low 17,982 1 – 17,983 17,787 – – 17,787 Medium 6,233 88 – 6,321 6,218 80 – 6,298 High 2,401 501 – 2,902 2,408 462 – 2,870 Very high 13 12 – 25 12 64 – 76 Loans not graded (1) 14,585 4,086 – 18,671 11,167 2,673 – 13,840 Default – – – – – – – – Carrying value $ 120,004 $ 4,688 $ – $ 124,692 $ 115,206 $ 3,280 $ – $ 118,486 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Business and As at January 31, 2020 As at October 31, 2019 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 107,546 $ 1,209 $ – $ 108,755 $ 105,033 $ 1,025 $ – $ 106,058 Non-investment 91,795 6,963 – 98,758 93,117 6,527 – 99,644 Watch list 56 2,508 – 2,564 53 2,957 – 3,010 Loans not graded (2) 2,014 89 – 2,103 1,962 87 – 2,049 Default – – 2,032 2,032 – – 2,211 2,211 Total $ 201,411 $ 10,769 $ 2,032 $ 214,212 $ 200,165 $ 10,596 $ 2,211 $ 212,972 Allowance for credit losses 160 236 652 1,048 153 245 679 1,077 Carrying value $ 201,251 $ 10,533 $ 1,380 $ 213,164 $ 200,012 $ 10,351 $ 1,532 $ 211,895 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.
Schedule of Loans Past Due But Not Impaired	Undrawn loan As at January 31, 2020 As at October 31, 2019 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 175,870 $ 1,953 $ – $ 177,823 $ 176,926 $ 980 $ – $ 177,906 Non-investment 54,345 3,863 – 58,208 55,238 4,225 – 59,463 Watch list 9 621 – 630 8 774 – 782 Loans not graded (2) 3,214 210 – 3,424 1,808 207 – 2,015 Default – – 128 128 – – 153 153 Total $ 233,438 $ 6,647 $ 128 $ 240,213 $ 233,980 $ 6,186 $ 153 $ 240,319 Allowance for credit losses 37 13 – 50 38 18 – 56 Carrying value $ 233,401 $ 6,634 $ 128 $ 240,163 $ 233,942 $ 6,168 $ 153 $ 240,263 (1) Stage 3 includes purchased or originated credit impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. (e) Loans past due but not impaired (1) A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired because they are either less than 90 days past due or fully secured and collection efforts are reasonably expected to result in repayment, or restoring it to a current status in accordance with the Bank’s policy. As at January 31, 2020 As at October 31, 2019 ($ millions) 31-60 61-90 91 days (2) Total 31-60 61-90 91 days (2) Total Residential mortgages $ 1,101 $ 525 $ – $ 1,626 $ 1,128 $ 526 $ – $ 1,654 Personal loans 592 340 – 932 624 330 – 954 Credit cards 261 175 416 852 278 179 417 874 Business and government 149 55 – 204 188 89 – 277 Total $ 2,103 $ 1,095 $ 416 $ 3,614 $ 2,218 $ 1,124 $ 417 $ 3,759 (1) Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due. (2) All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.
Summary of Purchased Credit Impaired Loans	As at ($ millions) January 31 October 31 Unpaid principal balance (1) $ 448 $ 489 Credit related fair value adjustments (111 ) (125 ) Carrying value 337 364 Stage 3 allowance (10 ) (9 ) Carrying value net related allowance $ 327 $ 355 (1) Represents principal amount owed net of write-offs.

Derecognition of financial as_2

Derecognition of financial assets (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Summary of Carrying Amount of Transferred Assets Do Not Qualify for Derecognition and Associated Liabilities	The following table provides the carrying amount of transferred assets that do not qualify for derecognition and the associated liabilities: As at ($ millions) January 31 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 20,881 $ 20,885 Other related assets (2) 4,370 4,364 Liabilities Carrying value of associated liabilities 22,726 22,786 (1) The fair value of the transferred assets is $25,306 (October 31, 2019 – $25,453) and the fair value of the associated liabilities is $25,078 (October 31, 2019 – $25,112) for a net position of $228 (October 31, 2019 – $341). (2) These include cash held in trust and trust permitted investment assets acquired as part of the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. The following table provides the carrying amount of the transferred assets and the associated liabilities: As at ($ millions) January 31 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 123,136 $ 110,879 Securities lending agreements 57,493 50,300 Total 180,629 161,179 Carrying value of associated liabilities (3) $ 143,019 $ 124,083 (1) The fair value of transferred assets is $180,629 (October 31, 2019 – $161,179) and the fair value of the associated liabilities is $143,019 (October 31, 2019 – $124,083) for a net position of $37,610 (October 31, 2019 – $37,096). (2) Does not include over-collateralization of assets pledged. (3) Liabilities for securities lending arrangements only include amounts related to cash collateral received. In most cases, securities are received as collateral.

Investments in associates (Tabl

Investments in associates (Tables)	3 Months Ended
	Jan. 31, 2020
Investments accounted for using equity method [abstract]
Significant Investments in Associates	The Bank had significant investments in the following associates: As at January 31 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying Thanachart Bank Public Company Limited (2) Thailand Banking 49.00 % – $ – $ 3,554 Canadian Tire’s Financial Services business (CTFS) (3) Canada Financial Services 20.00 % December 31, 2019 534 529 Bank of Xi’an Co. Ltd. (4) China Banking 17.99 % December 31, 2019 855 815 Maduro & Curiel’s Bank N.V. (5) Curacao Banking 48.10 % December 31, 2019 330 327 (1) Represents the date of the most recent financial statements made available to the Bank by the associates’ management. (2) On December 3, 2019, the Bank completed the sale to reduce its interest in Thanachart Bank Public Company Limited. Refer to Note 21 - Divestitures. (3) Under the agreement Canadian Tire has an option to sell to the Bank up to an additional 29% equity interest within the next 10 years at the then fair value, that can be settled, at the Bank’s discretion, by issuance of common shares or cash. After 10 years, for a period of six months, the Bank has the option to sell its equity interest back to Canadian Tire at the then fair value. (4) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $1,056 (October 31, 2019 - $1,021). (5) The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2020, these reserves amounted to $61 (October 31, 2019 – $61).

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Summary of Deposits	As at January 31, 2020 October 31 Payable on demand (1) Payable (2) Payable on a (3) ($ millions) Interest- Non-interest- Total Total Personal $ 7,222 $ 8,076 $ 128,238 $ 80,345 $ 223,881 $ 224,800 Business and government 104,274 26,263 44,496 313,625 488,658 461,851 Financial institutions 9,233 1,431 1,348 39,299 51,311 46,739 $ 120,729 $ 35,770 $ 174,082 (4) $ 433,269 $ 763,850 $ 733,390 Recorded in: Canada $ 91,826 $ 17,832 $ 135,674 $ 267,783 $ 513,115 $ 503,158 United States 16,729 40 11,756 67,578 96,103 75,675 United Kingdom – – 220 24,612 24,832 20,310 Mexico 10 5,281 6,208 12,346 23,845 23,672 Peru 5,713 108 4,677 7,930 18,428 18,738 Chile 1,519 4,761 126 16,326 22,732 22,714 Colombia 43 637 4,376 4,977 10,033 9,846 Other International 4,889 7,111 11,045 31,717 54,762 59,277 Total (5) $ 120,729 $ 35,770 $ 174,082 $ 433,269 $ 763,850 $ 733,390 (1) Deposits payable on demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts. (2) Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts. (3) All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments. (4) Includes $136 (October 31, 2019 – $137) of non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $279,290 (October 31, 2019 – $250,886), deposits denominated in Chilean pesos amount to $20,641 (October 31, 2019 – $21,021), deposits denominated in Mexican pesos amount to $21,474 (October 31, 2019 – $21,039) and deposits denominated in other foreign currencies amount to $84,144 (October 31, 2019 – $83,837).
Summary of Maturity Schedule for Term Deposits	The following table presents the maturity schedule for term deposits in Canada greater than $100,000 (1) ($ millions) Within Three to Six to One to Over Total As at January 31, 2020 $ 42,739 $ 33,212 $ 39,654 $ 91,334 $ 18,949 $ 225,888 As at October 31, 2019 $ 48,411 $ 23,797 $ 43,377 $ 91,687 $ 14,616 $ 221,888 (1) The majority of foreign term deposits are in excess of $100,000.

Capital management (Tables)

Capital management (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Summary of Regulatory Capital and Capital Ratios	The Bank’s regulatory capital and leverage position were as follows: As at ($ millions) January 31, 2020 October 31, 2019 Capital Common Equity Tier 1 capital $ 47,804 $ 46,578 Net Tier 1 capital 52,437 51,304 Total regulatory capital 61,392 59,850 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1) $ 420,694 $ 421,185 Leverage exposures 1,300,001 1,230,648 Capital ratios Common Equity Tier 1 capital ratio 11.4 % 11.1 % Tier 1 capital ratio 12.5 % 12.2 % Total capital ratio 14.6 % 14.2 % Leverage ratio 4.0 % 4.2 % (1) As at January 31, 2020 and October 31, 2019, the Bank did not have a regulatory capital floor add-on for CET1, Tier 1 and Total capital RWA.

Employee benefits (Tables)

Employee benefits (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Summary of Expenses for Bank's Principal Plans	Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans (1) For the three months ended Pension plans Other benefit plans ($ millions) January 31 January 31 January 31 January 31 Defined benefit service cost $ 91 $ 76 $ 13 $ 7 Interest on net defined benefit (asset) liability 6 (2 ) 12 13 Other 4 4 2 1 Defined benefit expense $ 101 $ 78 $ 27 $ 21 Defined contribution expense $ 19 $ 14 – n/a Increase (Decrease) in other comprehensive income related to employee benefits (2) $ (316 ) $ (395 ) $ (42 ) $ (65 ) (1) Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. (2) Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.

Operating segments (Tables)

Operating segments (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Schedule of Operating Segments	Scotiabank’s results, and average assets and liabilities, allocated by these operating segments, are as follows: For the three months ended January 31, 2020 Taxable equivalent basis ($ millions) Canadian International Global Global Other (1) Total Net interest income (2) $ 2,003 $ 2,005 $ 141 $ 325 $ (82 ) $ 4,392 Non-interest (3)(4) 704 980 1,016 842 207 3,749 Total revenues 2,707 2,985 1,157 1,167 125 8,141 Provision for credit losses 321 580 1 24 – 926 Non-interest 1,233 1,664 737 654 130 4,418 Provision for income taxes 301 159 110 117 (216 ) 471 Net income $ 852 $ 582 $ 309 $ 372 $ 211 $ 2,326 Net income attributable to non-controlling $ – $ 64 $ 3 $ – $ (28 ) $ 39 Net income attributable to equity holders of the Bank $ 852 $ 518 $ 306 $ 372 $ 239 $ 2,287 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (5) $ – $ 55 $ – $ – $ – $ 55 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 852 463 306 372 239 2,232 Average assets ($ billions) $ 355 $ 203 $ 25 $ 411 $ 124 $ 1,118 Average liabilities ($ billions) $ 263 $ 151 $ 35 $ 337 $ 262 $ 1,048 (1) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (2) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (3) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (4) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $20; International Banking – $93, Global Wealth Management – $3, and Other– $(25). (5) Refer to Note 21 for closed divestitures impacting the current period. For the three months ended October 31, 2019 (1) Taxable equivalent basis ($ millions) Canadian International Global Global Other (2) Total Net interest income (3) $ 2,027 $ 2,093 $ 142 $ 337 $ (263 ) $ 4,336 Non-interest (4)(5) 656 1,093 1,007 833 43 3,632 Total revenues 2,683 3,186 1,149 1,170 (220 ) 7,968 Provision for credit losses 247 502 – 4 – 753 Non-interest 1,220 1,688 744 631 28 4,311 Provision for income taxes 318 231 102 130 (185 ) 596 Net income $ 898 $ 765 $ 303 $ 405 $ (63 ) $ 2,308 Net income attributable to non-controlling $ – $ 86 $ 4 $ – $ 17 $ 107 Net income attributable to equity holders of the Bank $ 898 $ 679 $ 299 $ 405 $ (80 ) $ 2,201 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (6) $ – $ 154 $ 2 $ – $ – $ 156 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 898 525 297 405 (80 ) 2,045 Average assets ($ billions) $ 349 $ 205 $ 25 $ 388 $ 124 $ 1,091 Average liabilities ($ billions) $ 263 $ 156 $ 33 $ 318 $ 251 $ 1,021 (1) Amounts for October 31, 2019 have been restated to reflect the reorganization of the business segments which now include Global Wealth Management. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $18; International Banking – $207, Global Wealth Management – $3, and Other – $(67). (6) Refer to Note 21 for closed divestitures impacting the current period. For the three months ended January 31, 2019 (1) Taxable equivalent basis ($ millions) Canadian International Global Global Other (2) Total Net interest income (3) $ 1,928 $ 2,045 $ 143 $ 372 $ (214 ) $ 4,274 Non-interest (4)(5) 656 1,092 955 703 (76 ) 3,330 Total revenues 2,584 3,137 1,098 1,075 (290 ) 7,604 Provision for credit losses 231 470 2 (16 ) 1 688 Non-interest 1,187 1,635 723 645 (19 ) 4,171 Provision for income taxes 305 204 96 111 (218 ) 498 Net income $ 861 $ 828 $ 277 $ 335 $ (54 ) $ 2,247 Net income attributable to non-controlling $ – $ 107 $ 4 $ – $ – $ 111 Net income attributable to equity holders of the Bank $ 861 $ 721 $ 273 $ 335 $ (54 ) $ 2,136 Represented by: Net income attributable to equity holders of the Bank – relating to divested operations (6) $ – $ 159 $ 4 $ – $ – $ 163 Net income attributable to equity holders of the Bank – relating to operations other than divested operations 861 562 269 335 (54 ) 1,973 Average assets ($ billions) $ 334 $ 194 $ 25 $ 364 $ 116 $ 1,033 Average liabilities ($ billions) $ 248 $ 150 $ 30 $ 297 $ 239 $ 964 (1) Amounts for January 31, 2019 have been restated to reflect the reorganization of the business segments which now include Global Wealth Management. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $13; International Banking – $160, Global Wealth Management – $1, and Other – $(45). (6) Refer to Note 21 for closed divestitures impacting the current period.

Interest income and expense (Ta

Interest income and expense (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Details of Interest Income and Interest Expense from Financial Instruments	For the three months ended January 31, 2020 October 31, 2019 January 31, 2019 ($ millions) Interest Interest Interest Interest Interest Interest Measured at amortized cost (1) $ 7,797 $ 3,777 $ 7,814 $ 3,916 $ 7,570 $ 3,711 Measured at FVOCI (1) 318 – 332 – 353 – 8,115 3,777 8,146 3,916 7,923 3,711 Other 121 (2) 67 (3) 106 (2) – 68 (2) 6 Total $ 8,236 $ 3,844 $ 8,252 $ 3,916 $ 7,991 $ 3,717 (1) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (2) Includes dividend income on equity securities. (3) The interest on lease liabilities was $30.

Earnings per share (Tables)

Earnings per share (Tables)	3 Months Ended
	Jan. 31, 2020
Text Block [Abstract]
Summary of Earnings Per Share	For the three months ended ($ millions) January 31 2020 October 31 2019 January 31 2019 Basic earnings per common share Net income attributable to common shareholders $ 2,262 $ 2,137 $ 2,107 Weighted average number of common shares outstanding (millions) 1,214 1,218 1,226 Basic earnings per common share (1) (in dollars) $ 1.86 $ 1.76 $ 1.72 Diluted earnings per common share Net income attributable to common shareholders $ 2,262 $ 2,137 $ 2,107 Dilutive impact of share-based payment options and others (2) 27 42 41 Net income attributable to common shareholders (diluted) $ 2,289 $ 2,179 $ 2,148 Weighted average number of common shares outstanding (millions) 1,214 1,218 1,226 Dilutive impact of share-based payment options and others (2) (millions) 33 42 29 Weighted average number of diluted common shares outstanding (millions) 1,247 1,260 1,255 Diluted earnings per common share (1) (in dollars) $ 1.84 $ 1.73 $ 1.71 (1) Earnings per share calculations are based on full dollar and share amounts. (2) Certain tandem stock appreciation rights or options as well as acquisition-related put/call options that the Bank may settle at its own discretion by issuing common shares were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial instruments (Tables)

Financial instruments (Tables)	3 Months Ended
	Jan. 31, 2020
Statement [Line Items]
Summary of Credit Risk Exposures	Under the standardized approach, credit risk is estimated using the risk weights as prescribed by the Basel framework, either based on credit assessments by external rating agencies or based on the counterparty type for non-retail Exposure at default (1) As at January 31, 2020 October 31 ($ millions) AIRB Standardized Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 394,821 $ 61,656 $ 456,477 $ 429,655 Undrawn commitments 100,418 3,705 104,123 100,161 Other exposures (4) 107,172 9,489 116,661 110,492 Total non-retail $ 602,411 $ 74,850 $ 677,261 $ 640,308 Retail Drawn (5) $ 213,704 $ 87,942 $ 301,646 $ 302,373 Undrawn commitments 50,594 – 50,594 50,843 Total retail $ 264,298 $ 87,942 $ 352,240 $ 353,216 Total $ 866,709 $ 162,792 $ 1,029,501 $ 993,524 (1) After credit risk mitigation and excludes equity securities and other assets. (2) Non-retail (3) Non-retail (4) Includes off-balance over-the-counter (5) Retail drawn includes residential mortgages, credit cards, lines of credit and other personal loans.
Summary of VaR by Risk Factor	The table below shows the Bank’s VaR by risk factor along with Stressed VaR: For the three months ended As at As at January 31, 2020 January 31 October 31 January 31 ($ millions) Average High Low 2020 2019 2019 Credit spread plus interest rate $ 15.4 $ 20.4 $ 11.6 $ 17.8 $ 13.8 $ 9.8 Credit spread 7.6 11.1 6.2 11.1 8.0 6.1 Interest rate 10.7 14.7 6.5 11.7 7.2 7.0 Equities 3.3 7.0 1.8 7.0 3.4 4.2 Foreign exchange 5.9 10.3 2.5 9.1 2.7 2.5 Commodities 2.9 4.0 2.2 3.7 3.1 2.5 Debt specific 3.0 3.4 2.5 3.1 3.3 4.3 Diversification effect (16.5 ) n/a n/a (25.0 ) (10.9 ) (12.3 ) Total VaR $ 14.0 $ 18.7 $ 10.1 $ 15.7 $ 15.4 $ 11.0 Total Stressed VaR $ 47.5 $ 57.8 $ 34.3 $ 51.6 $ 45.9 $ 34.7
Fair Value of Financial Liabilities Designated at Fair Value Through Profit or Loss and Changes in Fair Value	The following table presents the fair value of liabilities designated at fair value through profit or loss and their changes in fair value. Fair value Change in fair value Cumulative change in fair value (1) As at For the three months ended As at ($ millions) January 31 October 31 January 31 October 31 January 31 January 31 October 31 January 31 Liabilities Senior note liabilities (2) $ 12,994 $ 12,235 $ (122 ) $ (262 ) $ (176 ) $ (574 ) $ (452 ) $ 602 (1) The cumulative change in fair value is measured from the instruments’ date of initial recognition. (2) Changes in fair value attributable to changes in the Bank’s own credit risk are recorded in other comprehensive income. Other changes in fair value are recorded in non-interest
Changes in Fair Value Attributable to Changes in Bank's Own Credit Risk for Financial Liabilities Designated at Fair Value	The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. Senior Note Liabilities ($ millions) Contractual (1) Carrying value Difference Changes in fair value Cumulative changes (1) As at January 31, 2020 $ 12,420 $ 12,994 $ (574 ) $ (12 ) $ (67 ) As at October 31, 2019 11,783 12,235 (452 ) 18 (55 ) As at January 31, 2019 10,509 9,907 602 30 (36 ) (1) The cumulative change in fair value is measured from the instruments’ date of initial recognition.
Summary of Fair Values of Financial Instruments of Bank Using Valuation Methods and Assumption	The following table sets out the fair values of financial instruments of the Bank and excludes non-financial As at January 31, 2020 October 31, 2019 ($ millions) Total fair Total Total fair value Total Assets: Cash and deposits with financial institutions $ 69,291 $ 69,291 $ 46,720 $ 46,720 Trading assets 144,731 144,731 127,488 127,488 Securities purchased under resale agreements and securities borrowed 146,432 146,432 131,178 131,178 Derivative financial instruments 43,083 43,083 38,119 38,119 Investment securities–fair value 57,264 57,264 60,514 60,514 Investment securities–amortized cost 20,912 20,739 22,000 21,845 Loans 597,836 592,279 600,155 592,483 Customers’ liability under acceptances 21,364 21,364 13,896 13,896 Other financial assets 20,123 20,123 15,142 15,142 Liabilities: Deposits 766,067 763,850 735,270 733,390 Financial instruments designated at fair value through profit or loss 12,994 12,994 12,235 12,235 Acceptances 21,389 21,389 13,901 13,901 Obligations related to securities sold short 32,439 32,439 30,404 30,404 Derivative financial instruments 43,139 43,139 40,222 40,222 Obligations related to securities sold under repurchase agreements and securities lent 143,019 143,019 124,083 124,083 Subordinated debentures 7,673 7,295 7,553 7,252 Other financial liabilities 37,906 37,318 38,338 37,713
Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis	The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. As at January 31, 2020 October 31, 2019 ($ millions) Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total Instruments carried at fair value on a recurring basis: Assets: Precious metals (1) $ – $ 3,593 $ 23 $ 3,616 $ – $ 3,709 $ – $ 3,709 Trading assets Loans – 15,793 22 15,815 – 13,829 – 13,829 Canadian federal government and government guaranteed debt 13,535 1,721 – 15,256 9,345 1,828 – 11,173 Canadian provincial and municipal debt – 11,578 – 11,578 – 7,615 – 7,615 US treasury and other US agencies’ debt 10,032 – – 10,032 8,604 – – 8,604 Other foreign governments’ debt 5,742 4,345 – 10,087 6,058 3,224 – 9,282 Corporate and other debt – 10,836 19 10,855 – 10,523 17 10,540 Income funds 96 – – 96 73 – – 73 Equity securities 70,027 140 – 70,167 65,215 161 1 65,377 Other (2) 845 – – 845 995 – – 995 $ 100,277 $ 48,006 $ 64 $ 148,347 $ 90,290 $ 40,889 $ 18 $ 131,197 Investment securities (3) Canadian federal government and government guaranteed debt 6,604 3,728 – 10,332 8,464 3,917 – 12,381 Canadian provincial and municipal debt 177 2,596 – 2,773 197 3,044 – 3,241 US treasury and other US agencies’ debt 14,467 4,507 – 18,974 16,117 3,772 – 19,889 Other foreign governments’ debt 8,361 12,427 23 20,811 10,973 9,608 30 20,611 Corporate and other debt 232 1,143 27 1,402 230 1,784 21 2,035 Equity securities 1,586 616 770 2,972 1,204 284 869 2,357 $ 31,427 $ 25,017 $ 820 $ 57,264 $ 37,185 $ 22,409 $ 920 $ 60,514 Derivative financial instruments Interest rate contracts $ – $ 16,797 $ 7 $ 16,804 $ - $ 16,621 $ 15 $ 16,636 Foreign exchange and gold contracts – 20,994 – 20,994 8 17,309 – 17,317 Equity contracts 401 2,283 1 2,685 599 1,394 2 1,995 Credit contracts – 177 – 177 – 406 – 406 Commodity contracts – 2,416 7 2,423 6 1,759 – 1,765 $ 401 $ 42,667 $ 15 $ 43,083 $ 613 $ 37,489 $ 17 $ 38,119 Liabilities: Deposits (4) $ – $ 155 $ – $ 155 $ – $ 144 $ – $ 144 Financial liabilities designated at fair value through profit or loss – 12,994 – 12,994 – 12,235 – 12,235 Obligations related to securities sold short 27,413 5,026 – 32,439 26,669 3,735 – 30,404 Derivative financial instruments Interest rate contracts – 14,949 38 14,987 – 13,867 71 13,938 Foreign exchange and gold contracts – 21,890 – 21,890 – 20,350 – 20,350 Equity contracts 325 2,529 3 2,857 530 2,557 6 3,093 Credit contracts – 37 – 37 – 38 – 38 Commodity contracts – 3,349 19 3,368 – 2,803 – 2,803 $ 325 $ 42,754 $ 60 $ 43,139 $ 530 $ 39,615 $ 77 $ 40,222 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable. (2) Represents energy related assets. (3) Excludes debt investment securities measured at amortized cost of $20,739 (October 31, 2019 – $21,845). (4) These amounts represent embedded derivatives bifurcated from structured notes.
Summary of Changes in Level 3 Instruments Carried at Fair Value	The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended January 31, 2020. All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. As at January 31, 2020 ($ millions) Fair Gains/ Gains/ Purchases/ Sales/ Transfers Fair Changes in (1) Precious metals $ – $ – $ – $ 23 $ – $ – $ 23 $ – – – – 23 – – 23 – Trading assets Loans – – – 22 – – 22 – Corporate and other debt 17 2 – – – – 19 2 Equity securities 1 – – – (1 ) – – – 18 2 – 22 (1 ) – 41 2 Investment securities Other foreign governments’ debt 30 – (3 ) – (4 ) – 23 n/a Corporate and other debt 21 – 6 – – – 27 n/a Equity securities 869 9 (3 ) 94 (199 ) – 770 9 920 9 – 94 (203 ) – 820 9 Derivative financial Interest rate contracts 15 – – 1 – (9 ) 7 – Equity contracts 2 1 – – – (2 ) 1 1 (2) Commodity contracts – 7 – – – – 7 7 Derivative financial Interest rate contracts (71 ) 3 – (2 ) – 32 (38 ) 3 (3) Equity contracts (6 ) 1 – – – 2 (3 ) 1 (2) Commodity contracts – (19 ) – – – – (19 ) (19 ) (60 ) (7 ) – (1 ) – 23 (45 ) (7 ) Total $ 878 $ 4 $ – $ 138 $ (204 ) $ 23 $ 839 $ 4 (1) These amounts represent the gains and losses from fair value changes of Level 3 instruments still held at the end of the period that are recorded in the Consolidated Statement of Income. (2) Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market (3) Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended October 31, 2019: As at October 31, 2019 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Precious metals $ 1 $ – $ – $ – $ (1 ) $ – $ – Trading assets 14 2 – 2 – – 18 Investment securities 861 19 (1 ) 54 (13 ) – 920 Derivative financial instruments (9 ) (13 ) – (35 ) – (3 ) (60 ) (1) Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2.

Significant Accounting Polici_4

Significant Accounting Policies - Summary Of Bank's hedging derivatives (Detail) - Fair value hedges [member] $ in Billions	Nov. 01, 2019CAD ($)
Disclosure of detailed information about hedging instruments [line items]
Derivative notional amount	$ 110.6
USD LIBOR [member]
Disclosure of detailed information about hedging instruments [line items]
Derivative notional amount	81.4
EURIBOR [member]
Disclosure of detailed information about hedging instruments [line items]
Derivative notional amount	25.9
GBP LIBOR [member]
Disclosure of detailed information about hedging instruments [line items]
Derivative notional amount	$ 3.3

Significant Accounting Polici_5

Significant Accounting Policies - Additional Information (Detail)	Jan. 31, 2020
Top of range [member]
Accounting Policies [Line Items]
Hedge instrument average rate	125.00%
Bottom of range [member]
Accounting Policies [Line Items]
Hedge instrument average rate	80.00%

Transition to IFRS 16 - Additio

Transition to IFRS 16 - Additional Information (Detail) - IFRS 16 [Member] - CAD ($) $ in Millions	Nov. 01, 2019	Oct. 31, 2019
Disclosure of expected impact of initial application of new standards or interpretations [line items]
Right of use assets		$ 3,620
Lease liabilities		$ 3,648
Weighted average incremental borrowing rate	3.50%

Cash and Deposits with Financ_3

Cash and Deposits with Financial Institutions - Summary of Cash and Deposits with Financial Institutions (Detail) - CAD ($) $ in Millions		Jan. 31, 2020		Oct. 31, 2019		Jan. 31, 2019	Oct. 31, 2018
Disclosure Of Cash And Cash Equivalents [abstract]
Cash and non-interest-bearing deposits with financial institutions	[1]	$ 10,233	[2]	$ 10,904	[2]	$ 9,799	$ 8,997
Interest-bearing deposits with financial institutions		59,058		35,816
Total	[3]	$ 69,291		$ 46,720
[1]	Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 6).
[2]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).
[3]	Net of impairment allowances of $2 (October 31, 2019–$3).

Cash and Deposits with Financ_4

Cash and Deposits with Financial Institutions - Summary of Cash and Deposits with Financial Institutions (Parenthetical) (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Cash And Deposits With Financial Institutions [member]
Cash And Cash Equivalents And Short-term Deposits [line items]
Net of impairment allowances	$ 2	$ 3

Cash and Deposits with Financ_5

Cash and Deposits with Financial Institutions - Additional Information (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Mandatory Reserve Deposits At Central Banks [abstract]
Cash balances required to maintain with central banks, other regulatory authorities and certain counterparties	$ 9,788	$ 9,401

Investment Securities - Disclos

Investment Securities - Disclosure of Carrying Value of Banks Investment Securities Per Measurement Category (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of financial assets [line items]
Investment securities	$ 78,003	$ 82,359
Debt Investments [member] | Financial assets measured at fair value through other comprehensive income, category [member]
Disclosure of financial assets [line items]
Investment securities	54,292	58,157
Debt Investments [member] | Financial assets at amortised cost, category [member]
Disclosure of financial assets [line items]
Investment securities	20,739	21,845
Equity securities [member] | Investments in equity instruments designated at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Investment securities	1,481	1,561
Equity securities [member] | Financial assets at fair value through profit or loss, category [member]
Disclosure of financial assets [line items]
Investment securities	$ 1,491	$ 796

Investment Securities - Discl_2

Investment Securities - Disclosure of Unrealized Gains and Losses on Fair Value Through Other Comprehensive Income Securities (Detail) - Financial assets measured at fair value through other comprehensive income, category [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of financial assets [line items]
Cost	$ 53,441	$ 57,461
Gross unrealized gains	871	753
Gross unrealized losses	20	57
Fair value	54,292	58,157
Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	10,084	12,176
Gross unrealized gains	252	216
Gross unrealized losses	4	11
Fair value	10,332	12,381
Canadian provincial and municipal debt [member]
Disclosure of financial assets [line items]
Cost	2,728	3,203
Gross unrealized gains	47	42
Gross unrealized losses	2	4
Fair value	2,773	3,241
U.S. treasury and other U.S. agency debt [member]
Disclosure of financial assets [line items]
Cost	18,543	19,527
Gross unrealized gains	434	384
Gross unrealized losses	3	22
Fair value	18,974	19,889
Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	20,712	20,543
Gross unrealized gains	110	87
Gross unrealized losses	11	19
Fair value	20,811	20,611
Other debt [member]
Disclosure of financial assets [line items]
Cost	1,374	2,012
Gross unrealized gains	28	24
Gross unrealized losses	0	1
Fair value	$ 1,402	$ 2,035

Investment Securities - Summary

Investment Securities - Summary of Analysis of Fair Value and Carrying Value of Investment Securities Measured at Amortized Cost (Detail) - CAD ($) $ in Millions		Jan. 31, 2020	Oct. 31, 2019
Financial assets at fair value, investment securities [member]
Disclosure of financial assets [line items]
Cost		$ 20,912	$ 22,000
Financial assets at fair value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost		7,286	7,575
Financial assets at fair value, investment securities [member] | U.S. treasury and other U.S. agency debt [member]
Disclosure of financial assets [line items]
Cost		8,738	9,419
Financial assets at fair value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost		2,003	1,979
Financial assets at fair value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost		2,885	3,027
Financial assets at carrying value, investment securities [member]
Disclosure of financial assets [line items]
Cost	[1]	20,739	21,845
Financial assets at carrying value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	[1]	7,276	7,580
Financial assets at carrying value, investment securities [member] | U.S. treasury and other U.S. agency debt [member]
Disclosure of financial assets [line items]
Cost	[1]	8,599	9,279
Financial assets at carrying value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	[1]	1,992	1,970
Financial assets at carrying value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost	[1]	$ 2,872	$ 3,016
[1]	Balances are net of impairment allowances of nil (October 31, 2019–nil).

Investment Securities - Summa_2

Investment Securities - Summary of Analysis of Fair Value and Carrying Value of Investment Securities Measured at Amortized Cost (Parenthetical) (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Financial assets at carrying value, investment securities [member]
Disclosure of financial assets [line items]
Net impairment allowances	$ 0	$ 0

Investment Securities - Summa_3

Investment Securities - Summary of Equity Investment Securities Designated as at Fair Value Through Other Comprehensive Income (Detail) - Investments in equity instruments designated at fair value through other comprehensive income [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of financial assets [line items]
Cost	$ 1,275	$ 1,408
Gross unrealized gains	228	223
Gross unrealized losses	22	70
Fair value	1,481	1,561
Preferred equity instruments [member]
Disclosure of financial assets [line items]
Cost	20	146
Gross unrealized losses	4	53
Fair value	16	93
Common shares [member]
Disclosure of financial assets [line items]
Cost	1,255	1,262
Gross unrealized gains	228	223
Gross unrealized losses	18	17
Fair value	$ 1,465	$ 1,468

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Fair value of disposed equity securities	$ 342	$ 63	$ 106
Cumulative after-tax loss on equity securities designated at FVOCI	(20)	18	2
Dividend income	17	$ 14	$ 10
Transfer of realized gain	$ 30

Loans, Impaired Loans and All_3

Loans, Impaired Loans and Allowance for Credit Losses - Schedule of Loans at Amortized Cost (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Gross carrying amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 597,300	$ 597,560
Gross carrying amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	268,670	268,169
Gross carrying amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	96,703	98,631
Gross carrying amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	17,715	17,788
Gross carrying amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	214,212	212,972
Net Carrying Amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	592,279	592,483
Net Carrying Amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	268,031	267,489
Net Carrying Amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	94,613	96,566
Net Carrying Amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	16,471	16,533
Net Carrying Amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	213,164	211,895
Financial assets individually assessed for credit losses [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	5,021	5,077
Financial assets individually assessed for credit losses [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	639	680
Financial assets individually assessed for credit losses [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	2,090	2,065
Financial assets individually assessed for credit losses [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	1,244	1,255
Financial assets individually assessed for credit losses [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 1,048	$ 1,077

Loans, Impaired Loans and All_4

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	$ 597,300	$ 597,560
Allowance for credit losses	5,021	5,077
Net	592,279	592,483
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	268,670	268,169
Allowance for credit losses	639	680
Net	268,031	267,489
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	96,703	98,631
Allowance for credit losses	2,090	2,065
Net	94,613	96,566
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	214,212	212,972
Allowance for credit losses	1,048	1,077
Net	213,164	211,895
Financial instruments credit-impaired [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	4,770	5,135
Allowance for credit losses	1,537	1,595
Net	3,233	3,540
Financial instruments credit-impaired [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	1,241	1,133
Allowance for credit losses	384	375
Net	857	758
Financial instruments credit-impaired [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	23	94
Allowance for credit losses	4	5
Net	19	89
Financial instruments credit-impaired [member] | Mexico [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	528	485
Allowance for credit losses	189	178
Net	339	307
Financial instruments credit-impaired [member] | Peru [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	613	642
Allowance for credit losses	309	332
Net	304	310
Financial instruments credit-impaired [member] | Chile [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	811	844
Allowance for credit losses	170	180
Net	641	664
Financial instruments credit-impaired [member] | Colombia [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	501	505
Allowance for credit losses	139	151
Net	362	354
Financial instruments credit-impaired [member] | Other International [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	1,053	1,432
Allowance for credit losses	342	374
Net	711	1,058
Financial instruments credit-impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	1,614	1,830
Allowance for credit losses	288	325
Net	1,326	1,505
Financial instruments credit-impaired [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	1,124	1,094
Allowance for credit losses	593	591
Net	531	503
Financial instruments credit-impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	2,032	2,211
Allowance for credit losses	656	679
Net	$ 1,376	$ 1,532

Loans, Impaired Loans and All_5

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019
Impaired loans [abstract]
Interest income recognized on impaired loans	$ 11	$ 12
Interest income, not classified as impaired loans	$ 81	$ 92

Loans, Impaired Loans and All_6

Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Jan. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	$ 5,139	$ 5,147
Provision for credit losses	926	685
Net write-offs	(827)	(732)
Other, including foreign currency adjustment	(152)	89
Provision for credit losses
Balance at end of period	5,086	5,189
Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	5,077	5,065
Provision for credit losses
Balance at end of period	5,021	5,111
Allowance for credit losses on acceptances [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	6	8
Provision for credit losses
Balance at end of period	15	9
Allowance for credit losses on off balance sheet exposures [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	56	74
Provision for credit losses
Balance at end of period	50	69
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	680	678
Provision for credit losses	50	32
Net write-offs	(23)	(18)
Other, including foreign currency adjustment	(68)	17
Provision for credit losses
Remeasurement	16	13
Newly originated or purchased financial assets	6	23
Derecognition of financial assets and maturities	(2)	(4)
Changes in models and methodologies	30
Gross write-offs	(30)	(20)
Recoveries	7	2
Foreign exchange and other movements	(68)	17
Balance at end of period	639	709
Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	680
Provision for credit losses
Balance at end of period	639	709
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	2,065	2,109
Provision for credit losses	463	366
Net write-offs	(410)	(408)
Other, including foreign currency adjustment	(28)	44
Provision for credit losses
Remeasurement	351	292
Newly originated or purchased financial assets	98	118
Derecognition of financial assets and maturities	(51)	(44)
Changes in models and methodologies	65
Gross write-offs	(476)	(480)
Recoveries	66	72
Foreign exchange and other movements	(28)	44
Balance at end of period	2,090	2,111
Loans to consumers [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	2,065
Provision for credit losses
Balance at end of period	2,090	2,111
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,255	1,213
Provision for credit losses	303	225
Net write-offs	(304)	(257)
Other, including foreign currency adjustment	(10)	31
Provision for credit losses
Remeasurement	253	210
Newly originated or purchased financial assets	46	46
Derecognition of financial assets and maturities	(31)	(31)
Changes in models and methodologies	35
Gross write-offs	(361)	(312)
Recoveries	57	55
Foreign exchange and other movements	(10)	31
Balance at end of period	1,244	1,212
Credit Card [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,255
Provision for credit losses
Balance at end of period	1,244	1,212
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,139	1,147
Provision for credit losses	110	62
Net write-offs	(90)	(49)
Other, including foreign currency adjustment	(46)	(3)
Provision for credit losses
Remeasurement	96	65
Newly originated or purchased financial assets	39	39
Derecognition of financial assets and maturities	(44)	(42)
Changes in models and methodologies	22
Gross write-offs	(96)	(65)
Recoveries	6	16
Foreign exchange and other movements	(58)	(4)
Balance at end of period including off-balance sheet exposures	1,098	1,148
Less: Allowance for credits losses on off-balance sheet exposures	(50)	(69)
Balance at end of period	1,113	1,157
Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,133	1,139
Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	1,048	1,079
Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,077
Provision for credit losses
Balance at end of period	1,048	1,079
Stage 1 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,312
Provision for credit losses
Balance at end of period	1,319	1,279
Stage 1 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	126	112
Provision for credit losses
Remeasurement	(8)	(24)
Newly originated or purchased financial assets	6	23
Derecognition of financial assets and maturities		(1)
Changes in models and methodologies	7
Transfer to (from)stage 1	15	12
Transfer to (from)stage 2	(5)	(5)
Foreign exchange and other movements	(8)	4
Balance at end of period	133	121
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	126
Provision for credit losses
Balance at end of period	133	121
Stage 1 [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	609	578
Provision for credit losses
Remeasurement	(142)	(152)
Newly originated or purchased financial assets	98	118
Derecognition of financial assets and maturities	(24)	(19)
Changes in models and methodologies	16
Transfer to (from)stage 1	131	108
Transfer to (from)stage 2	(51)	(46)
Transfer to (from)stage 3	(1)	(1)
Foreign exchange and other movements	(17)	10
Balance at end of period	619	596
Stage 1 [member] | Loans to consumers [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	609
Provision for credit losses
Balance at end of period	619	596
Stage 1 [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	424	401
Provision for credit losses
Remeasurement	(75)	(68)
Newly originated or purchased financial assets	46	46
Derecognition of financial assets and maturities	(16)	(14)
Changes in models and methodologies	6
Transfer to (from)stage 1	62	69
Transfer to (from)stage 2	(34)	(32)
Foreign exchange and other movements	(6)	8
Balance at end of period	407	410
Stage 1 [member] | Credit Card [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	424
Provision for credit losses
Balance at end of period	407	410
Stage 1 [member] | Business and government [member]
Provision for credit losses
Remeasurement	(15)	(16)
Newly originated or purchased financial assets	39	39
Derecognition of financial assets and maturities	(32)	(27)
Changes in models and methodologies	13
Transfer to (from)stage 1	8	30
Transfer to (from)stage 2	(3)	(5)
Transfer to (from)stage 3	(2)
Foreign exchange and other movements	(2)	3
Balance at end of period including off-balance sheet exposures	197	197
Less: Allowance for credits losses on off-balance sheet exposures	(37)	(45)
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	191	173
Stage 1 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	160	152
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	153
Provision for credit losses
Balance at end of period	160	152
Stage 2 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	2,170
Provision for credit losses
Balance at end of period	2,169	2,152
Stage 2 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	229	206
Provision for credit losses
Remeasurement	10	8
Derecognition of financial assets and maturities	(2)	(3)
Changes in models and methodologies	6
Transfer to (from)stage 1	(13)	(11)
Transfer to (from)stage 2	24	28
Transfer to (from)stage 3	(11)	(9)
Foreign exchange and other movements	(25)	7
Balance at end of period	218	226
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	229
Provision for credit losses
Balance at end of period	218	226
Stage 2 [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	865	887
Provision for credit losses
Remeasurement	151	140
Derecognition of financial assets and maturities	(27)	(25)
Changes in models and methodologies	33
Transfer to (from)stage 1	(128)	(107)
Transfer to (from)stage 2	68	66
Transfer to (from)stage 3	(89)	(79)
Foreign exchange and other movements	5	(7)
Balance at end of period	878	875
Stage 2 [member] | Loans to consumers [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	865
Provision for credit losses
Balance at end of period	878	875
Stage 2 [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	831	812
Provision for credit losses
Remeasurement	123	108
Derecognition of financial assets and maturities	(15)	(17)
Changes in models and methodologies	29
Transfer to (from)stage 1	(62)	(69)
Transfer to (from)stage 2	34	32
Transfer to (from)stage 3	(78)	(70)
Foreign exchange and other movements	(25)	6
Balance at end of period	837	802
Stage 2 [member] | Credit Card [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	831
Provision for credit losses
Balance at end of period	837	802
Stage 2 [member] | Business and government [member]
Provision for credit losses
Remeasurement	9	12
Derecognition of financial assets and maturities	(7)	(8)
Changes in models and methodologies	9
Transfer to (from)stage 1	(8)	(30)
Transfer to (from)stage 2	3	7
Transfer to (from)stage 3	(4)	(2)
Foreign exchange and other movements	(16)	2
Balance at end of period including off-balance sheet exposures	249	272
Less: Allowance for credits losses on off-balance sheet exposures	(13)	(23)
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	263	291
Stage 2 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	236	249
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	245
Provision for credit losses
Balance at end of period	236	249
Stage 3 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	1,595
Provision for credit losses
Balance at end of period	1,533	1,680
Stage 3 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	325	360
Provision for credit losses
Remeasurement	14	29
Changes in models and methodologies	17
Transfer to (from)stage 1	(2)	(1)
Transfer to (from)stage 2	(19)	(23)
Transfer to (from)stage 3	11	9
Gross write-offs	(30)	(20)
Recoveries	7	2
Foreign exchange and other movements	(35)	6
Balance at end of period	288	362
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	325
Provision for credit losses
Balance at end of period	288	362
Stage 3 [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	591	644
Provision for credit losses
Remeasurement	342	304
Changes in models and methodologies	16
Transfer to (from)stage 1	(3)	(1)
Transfer to (from)stage 2	(17)	(20)
Transfer to (from)stage 3	90	80
Gross write-offs	(476)	(480)
Recoveries	66	72
Foreign exchange and other movements	(16)	41
Balance at end of period	593	640
Stage 3 [member] | Loans to consumers [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	591
Provision for credit losses
Balance at end of period	593	640
Stage 3 [member] | Credit Card [member]
Provision for credit losses
Remeasurement	205	170
Transfer to (from)stage 3	78	70
Gross write-offs	(361)	(312)
Recoveries	57	55
Foreign exchange and other movements	21	17
Stage 3 [member] | Business and government [member]
Provision for credit losses
Remeasurement	102	69
Derecognition of financial assets and maturities	(5)	(7)
Transfer to (from)stage 2		(2)
Transfer to (from)stage 3	6	2
Gross write-offs	(96)	(65)
Recoveries	6	16
Foreign exchange and other movements	(40)	(9)
Balance at end of period including off-balance sheet exposures	652	679
Less: Allowance for credits losses on off-balance sheet exposures		(1)
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	679	675
Stage 3 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	652	678
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	679
Provision for credit losses
Balance at end of period	$ 652	$ 678

Loans, Impaired Loans and All_7

Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Parenthetical) (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Allowance for credit losses for other financial assets		$ 74	$ 68	$ 88
Interest income on impaired loans	[1]	7,387	7,371	$ 7,091
Gross impaired loans [member]
Disclosure of detailed information about financial instruments [line items]
Interest income on impaired loans		$ 81	$ 92
[1]	Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $8,115 for the quarter ended January 31, 2020 (October 31, 2019 – $8,146; January 31, 2019 – $7,923).

Loans, Impaired Loans and All_8

Loans, Impaired Loans and Allowance for Credit Losses -Summary of Carrying Value of Exposures by Risk Rating (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	$ 597,300	$ 597,560
Allowance for credit losses	5,021	5,077
Carrying value of loans net of ACL	592,279	592,483
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	268,670	268,169
Allowance for credit losses	639	680
Carrying value of loans net of ACL	268,031	267,489
Residential mortgages [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	155,977	152,229
Residential mortgages [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	60,868	61,806
Residential mortgages [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	15,075	15,535
Residential mortgages [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,839	4,713
Residential mortgages [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,641	1,739
Residential mortgages [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	29,656	30,317
Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,614	1,830
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	96,703	98,631
Allowance for credit losses	2,090	2,065
Carrying value of loans net of ACL	94,613	96,566
Loans to consumers [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	30,061	30,080
Loans to consumers [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	27,097	27,191
Loans to consumers [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	9,196	9,357
Loans to consumers [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	11,176	11,089
Loans to consumers [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,481	1,648
Loans to consumers [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	16,568	18,172
Loans to consumers [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,124	1,094
Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL	124,692	118,486
Undrawn loan commitments retail [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	78,790	77,615
Undrawn loan commitments retail [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	17,983	17,787
Undrawn loan commitments retail [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	6,321	6,298
Undrawn loan commitments retail [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	2,902	2,870
Undrawn loan commitments retail [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	25	76
Undrawn loan commitments retail [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	18,671	13,840
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	214,212	212,972
Allowance for credit losses	1,048	1,077
Carrying value of loans net of ACL	213,164	211,895
Business and government [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,103	2,049
Business and government [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,032	2,211
Business and government [member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	108,755	106,058
Business and government [member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	98,758	99,644
Business and government [member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,564	3,010
Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	240,213	240,319
Allowance for credit losses	50	56
Carrying value of undrawn loan commitments net of ACL	240,163	240,263
Undrawn loan commitments business and government [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	3,424	2,015
Undrawn loan commitments business and government [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	128	153
Undrawn loan commitments business and government [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	177,823	177,906
Undrawn loan commitments business and government [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	58,208	59,463
Undrawn loan commitments business and government [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	630	782
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	17,715	17,788
Allowance for credit losses	1,244	1,255
Carrying value of loans net of ACL	16,471	16,533
Credit Card [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,559	1,518
Credit Card [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,683	2,597
Credit Card [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,751	3,722
Credit Card [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	4,612	4,563
Credit Card [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	845	758
Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	4,265	4,630
Stage one exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	256,989	255,529
Allowance for credit losses	133	126
Carrying value of loans net of ACL	256,856	255,403
Stage one exposure [Member] | Residential mortgages [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	155,542	151,824
Stage one exposure [Member] | Residential mortgages [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	60,443	61,317
Stage one exposure [Member] | Residential mortgages [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	14,113	14,476
Stage one exposure [Member] | Residential mortgages [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	989	1,404
Stage one exposure [Member] | Residential mortgages [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	9	11
Stage one exposure [Member] | Residential mortgages [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	25,893	26,497
Stage one exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	87,620	89,366
Allowance for credit losses	619	609
Carrying value of loans net of ACL	87,001	88,757
Stage one exposure [Member] | Loans to consumers [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	29,983	29,988
Stage one exposure [Member] | Loans to consumers [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	26,838	26,928
Stage one exposure [Member] | Loans to consumers [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	8,785	8,961
Stage one exposure [Member] | Loans to consumers [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	7,423	7,472
Stage one exposure [Member] | Loans to consumers [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	47	44
Stage one exposure [Member] | Loans to consumers [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	14,544	15,973
Stage one exposure [Member] | Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL	120,004	115,206
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	78,790	77,614
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	17,982	17,787
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	6,233	6,218
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	2,401	2,408
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	13	12
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	14,585	11,167
Stage one exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	201,411	200,165
Allowance for credit losses	160	153
Carrying value of loans net of ACL	201,251	200,012
Stage one exposure [Member] | Business and government [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,014	1,962
Stage one exposure [Member] | Business and government [member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	107,546	105,033
Stage one exposure [Member] | Business and government [member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	91,795	93,117
Stage one exposure [Member] | Business and government [member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	56	53
Stage one exposure [Member] | Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	233,438	233,980
Allowance for credit losses	37	38
Carrying value of undrawn loan commitments net of ACL	233,401	233,942
Stage one exposure [Member] | Undrawn loan commitments business and government [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	3,214	1,808
Stage one exposure [Member] | Undrawn loan commitments business and government [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	175,870	176,926
Stage one exposure [Member] | Undrawn loan commitments business and government [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	54,345	55,238
Stage one exposure [Member] | Undrawn loan commitments business and government [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	9	8
Stage one exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	13,861	14,156
Allowance for credit losses	407	424
Carrying value of loans net of ACL	13,454	13,732
Stage one exposure [Member] | Credit Card [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,551	1,509
Stage one exposure [Member] | Credit Card [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,663	2,580
Stage one exposure [Member] | Credit Card [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,719	3,688
Stage one exposure [Member] | Credit Card [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,153	3,139
Stage one exposure [Member] | Credit Card [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	22	23
Stage one exposure [Member] | Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,753	3,217
Stage two exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	10,067	10,810
Allowance for credit losses	218	229
Carrying value of loans net of ACL	9,849	10,581
Stage two exposure [Member] | Residential mortgages [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	435	405
Stage two exposure [Member] | Residential mortgages [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	425	489
Stage two exposure [Member] | Residential mortgages [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	962	1,059
Stage two exposure [Member] | Residential mortgages [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,850	3,309
Stage two exposure [Member] | Residential mortgages [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,632	1,728
Stage two exposure [Member] | Residential mortgages [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,763	3,820
Stage two exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	7,959	8,171
Allowance for credit losses	878	865
Carrying value of loans net of ACL	7,081	7,306
Stage two exposure [Member] | Loans to consumers [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	78	92
Stage two exposure [Member] | Loans to consumers [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	259	263
Stage two exposure [Member] | Loans to consumers [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	411	396
Stage two exposure [Member] | Loans to consumers [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,753	3,617
Stage two exposure [Member] | Loans to consumers [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,434	1,604
Stage two exposure [Member] | Loans to consumers [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,024	2,199
Stage two exposure [Member] | Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL	4,688	3,280
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL		1
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	1
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	88	80
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	501	462
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	12	64
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	4,086	2,673
Stage two exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	10,769	10,596
Allowance for credit losses	236	245
Carrying value of loans net of ACL	10,533	10,351
Stage two exposure [Member] | Business and government [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	89	87
Stage two exposure [Member] | Business and government [member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,209	1,025
Stage two exposure [Member] | Business and government [member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	6,963	6,527
Stage two exposure [Member] | Business and government [member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,508	2,957
Stage two exposure [Member] | Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	6,647	6,186
Allowance for credit losses	13	18
Carrying value of undrawn loan commitments net of ACL	6,634	6,168
Stage two exposure [Member] | Undrawn loan commitments business and government [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	210	207
Stage two exposure [Member] | Undrawn loan commitments business and government [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	1,953	980
Stage two exposure [Member] | Undrawn loan commitments business and government [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	3,863	4,225
Stage two exposure [Member] | Undrawn loan commitments business and government [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	621	774
Stage two exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	3,854	3,632
Allowance for credit losses	837	831
Carrying value of loans net of ACL	3,017	2,801
Stage two exposure [Member] | Credit Card [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	8	9
Stage two exposure [Member] | Credit Card [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	20	17
Stage two exposure [Member] | Credit Card [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	32	34
Stage two exposure [Member] | Credit Card [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,459	1,424
Stage two exposure [Member] | Credit Card [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	823	735
Stage two exposure [Member] | Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,512	1,413
Stage three exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,614	1,830
Allowance for credit losses	288	325
Carrying value of loans net of ACL	1,326	1,505
Stage three exposure [Member] | Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,614	1,830
Stage three exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,124	1,094
Allowance for credit losses	593	591
Carrying value of loans net of ACL	531	503
Stage three exposure [Member] | Loans to consumers [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	1,124	1,094
Stage three exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,032	2,211
Allowance for credit losses	652	679
Carrying value of loans net of ACL	1,380	1,532
Stage three exposure [Member] | Business and government [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	2,032	2,211
Stage three exposure [Member] | Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	128	153
Carrying value of undrawn loan commitments net of ACL	128	153
Stage three exposure [Member] | Undrawn loan commitments business and government [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL	$ 128	$ 153

Loans, Impaired Loans and All_9

Loans, Impaired Loans and Allowance for Credit Losses - Loans Past Due But Not Impaired (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	$ 597,300	$ 597,560
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	268,670	268,169
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	96,703	98,631
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	17,715	17,788
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	214,212	212,972
Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	3,614	3,759
Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	1,626	1,654
Financial assets past due but not impaired [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	932	954
Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	852	874
Financial assets past due but not impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	204	277
31 - 60 days [member] | Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	2,103	2,218
31 - 60 days [member] | Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	1,101	1,128
31 - 60 days [member] | Financial assets past due but not impaired [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	592	624
31 - 60 days [member] | Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	261	278
31 - 60 days [member] | Financial assets past due but not impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	149	188
61 - 90 days [member] | Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	1,095	1,124
61 - 90 days [member] | Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	525	526
61 - 90 days [member] | Financial assets past due but not impaired [member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	340	330
61 - 90 days [member] | Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	175	179
61 - 90 days [member] | Financial assets past due but not impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	55	89
91 days and greater [member] | Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	416	417
91 days and greater [member] | Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	$ 416	$ 417

Loans, Impaired Loans and Al_10

Loans, Impaired Loans and Allowance for Credit Losses - Summary of Purchased Credit Impaired Loans (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019	Oct. 31, 2018
Disclosure of detailed information about financial instruments [line items]
Allowance	$ (5,086)	$ (5,139)	$ (5,189)	$ (5,147)
Loans acquired in business combination [member]
Disclosure of detailed information about financial instruments [line items]
Unpaid principal balance	448	489
Credit related fair value adjustments	(111)	(125)
Carrying value	337	364
Carrying value net of related allowance	327	355
Loans acquired in business combination [member] | Stage 3 [member]
Disclosure of detailed information about financial instruments [line items]
Allowance	$ (10)	$ (9)

Derecognition of Financial As_3

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Assets Do Not Qualify for Derecognition and Associated Liabilities (Detail) - Securitisations [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of associated liabilities	$ 22,726	$ 22,786
Residential mortgage loans [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	20,881	20,885
Other related assets [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	$ 4,370	$ 4,364

Derecognition of Financial As_4

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Assets Do Not Qualify for Derecognition and Associated Liabilities (Parenthetical) (Detail) - Securitisations [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 25,306	$ 25,453
Fair value of associated liabilities	25,078	25,112
Net position	$ 228	$ 341

Derecognition of financial as_5

Derecognition of financial assets - Additional Information (Detail) - 3 months ended Jan. 31, 2020 $ in Millions, $ in Millions	CAD ($)	USD ($)
Trillium Credit Card Trust Two [Member] | Business And Government Deposits [Member]
Disclosure of financial assets [line items]
Subordinated notes outstanding	$ 647	$ 489
Securitized Terms Auto Receivables Two Thousand And Nineteen Trust [Member] | Business And Government Deposits [Member]
Disclosure of financial assets [line items]
Subordinated notes outstanding	123	$ 93
Canadian auto loan receivables [member] | Securitized Terms Auto Receivables Two Thousand And Nineteen Trust [Member]
Disclosure of financial assets [line items]
Loans receivable securitized	1,392
Assets pledged	1,257
Credit Card Receivable [Member] | Trillium Credit Card Trust Two [Member]
Disclosure of financial assets [line items]
Loans receivable securitized	638
Assets pledged	$ 689

Derecognition of Financial As_6

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Other Financial Assets Do Not Qualify for Derecognition and Associated Liabilities (Detail) - Other Financial Assets [Member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	$ 180,629	$ 161,179
Carrying value of associated liabilities	143,019	124,083
Repurchase agreement [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	123,136	110,879
Securities lending [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	$ 57,493	$ 50,300

Derecognition of Financial As_7

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Other Financial Assets Do Not Qualify for Derecognition and Associated Liabilities (Parenthetical) (Detail) - Other Financial Assets [Member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 180,629	$ 161,179
Fair value of the associated liabilities	143,019	124,083
Net position	$ 37,610	$ 37,096

Investments in Associates - Sum

Investments in Associates - Summary of Significant Investments in Associates (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019
Thanachart bank public company limited [member]
Disclosure of associates [line items]
Country of incorporation	Thailand
Nature of business	Banking
Ownership percentage	49.00%
Carrying value	$ 0	$ 3,554
Canadian tires financial services business [member]
Disclosure of associates [line items]
Country of incorporation	Canada
Nature of business	Financial Services
Ownership percentage	20.00%
Date of financial statements	Dec. 31, 2019
Carrying value	$ 534	529
Bank of Xian Co Ltd [member]
Disclosure of associates [line items]
Country of incorporation	China
Nature of business	Banking
Ownership percentage	17.99%
Date of financial statements	Dec. 31, 2019
Carrying value	$ 855	815
Maduro and curiels bank NV [member]
Disclosure of associates [line items]
Country of incorporation	Curacao
Nature of business	Banking
Ownership percentage	48.10%
Date of financial statements	Dec. 31, 2019
Carrying value	$ 330	$ 327

Investments in Associates - S_2

Investments in Associates - Summary of Significant Investments in Associates (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of associates [line items]
Undistributed retained earnings	$ 61	$ 61	$ 62
Canadian tires financial services business [member]
Disclosure of associates [line items]
Option to sell maximum additional equity interest within the next 10 years	29.00%
Period of option to sell back equity interest after ten years	6 months
Bank of Xian Co Ltd [member]
Disclosure of associates [line items]
Investments in associates based on quoted Stock Exchange price on Shanghai	$ 1,056	$ 1,021

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure Of Deposits [line items]
Payable after notice	$ 174,082
Payable on a fixed date	433,269
Total	763,850	$ 733,390
Canada [member]
Disclosure Of Deposits [line items]
Payable after notice	135,674
Payable on a fixed date	267,783
Total	513,115	503,158
United States [member]
Disclosure Of Deposits [line items]
Payable after notice	11,756
Payable on a fixed date	67,578
Total	96,103	75,675
United Kingdom [member]
Disclosure Of Deposits [line items]
Payable after notice	220
Payable on a fixed date	24,612
Total	24,832	20,310
Mexico [member]
Disclosure Of Deposits [line items]
Payable after notice	6,208
Payable on a fixed date	12,346
Total	23,845	23,672
Peru [member]
Disclosure Of Deposits [line items]
Payable after notice	4,677
Payable on a fixed date	7,930
Total	18,428	18,738
Chile [member]
Disclosure Of Deposits [line items]
Payable after notice	126
Payable on a fixed date	16,326
Total	22,732	22,714
Colombia [member]
Disclosure Of Deposits [line items]
Payable after notice	4,376
Payable on a fixed date	4,977
Total	10,033	9,846
Other International [member]
Disclosure Of Deposits [line items]
Payable after notice	11,045
Payable on a fixed date	31,717
Total	54,762	59,277
Personal [member]
Disclosure Of Deposits [line items]
Payable after notice	128,238
Payable on a fixed date	80,345
Total	223,881	224,800
Business and government [member]
Disclosure Of Deposits [line items]
Payable after notice	44,496
Payable on a fixed date	313,625
Total	488,658	461,851
Financial institution [member]
Disclosure Of Deposits [line items]
Payable after notice	1,348
Payable on a fixed date	39,299
Total	51,311	$ 46,739
Interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	120,729
Interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	91,826
Interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	16,729
Interest bearing [member] | United Kingdom [member]
Disclosure Of Deposits [line items]
Payable on demand	0
Interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	10
Interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	5,713
Interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	1,519
Interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	43
Interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	4,889
Interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	7,222
Interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	104,274
Interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	9,233
Non- interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	35,770
Non- interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	17,832
Non- interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	40
Non- interest bearing [member] | United Kingdom [member]
Disclosure Of Deposits [line items]
Payable on demand	0
Non- interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	5,281
Non- interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	108
Non- interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	4,761
Non- interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	637
Non- interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	7,111
Non- interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	8,076
Non- interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	26,263
Non- interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	$ 1,431

Deposits - Summary of Deposit_2

Deposits - Summary of Deposits (Parenthetical) (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure Of Deposits [line Items]
Payable after notice	$ 174,082
Deposits	763,850	$ 733,390
U.S. dollar [member]
Disclosure Of Deposits [line Items]
Deposits	279,290	250,886
Chile, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits	20,641	21,021
Mexico, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits	21,474	21,039
Other Foreign Currencies [member]
Disclosure Of Deposits [line Items]
Deposits	84,144	83,837
Non interest bearing deposits [member]
Disclosure Of Deposits [line Items]
Payable after notice	$ 136	$ 137

Deposits - Summary of Maturity

Deposits - Summary of Maturity Schedule for Term Deposits (Detail) - Canada [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure Of Deposits [line items]
Term deposit	$ 225,888	$ 221,888
Within three months [member]
Disclosure Of Deposits [line items]
Term deposit	42,739	48,411
Three to six months [member]
Disclosure Of Deposits [line items]
Term deposit	33,212	23,797
Six to twelve months [member]
Disclosure Of Deposits [line items]
Term deposit	39,654	43,377
One to 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	91,334	91,687
Over 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	$ 18,949	$ 14,616

Capital and Financing Transac_2

Capital and Financing Transactions - Additional Information (Detail) - CAD ($) $ / shares in Units, shares in Millions, $ in Millions	May 30, 2019	Jan. 31, 2020		Jan. 31, 2019	Jul. 31, 2019
Disclosure of objectives, policies and processes for managing capital [line items]
Common shares purchased for cancellation		$ 268	[1]	$ 234
NCIB [member]
Disclosure of objectives, policies and processes for managing capital [line items]
Maximum number of shares approved for repurchase	24
Shares repurchased and cancelled, shares		3.6
Shares repurchased and cancelled, per share		$ 74.63
Common shares purchased for cancellation		$ 268
NCIB 2019 [Member]
Disclosure of objectives, policies and processes for managing capital [line items]
Shares repurchased and cancelled, shares					9.8
Shares repurchased and cancelled, per share					$ 72.35
[1]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).

Capital Management - Summary of

Capital Management - Summary of Regulatory Capital and Capital Ratios (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Capital
Common Equity Tier 1 Capital	$ 47,804	$ 46,578
Net Tier 1 Capital	52,437	51,304
Total regulatory capital	61,392	59,850
Risk-weighted assets/exposures used in calculation of capital ratios
Risk-weighted assets	420,694	421,185
Leverage exposures	$ 1,300,001	$ 1,230,648
Capital ratios
Common Equity Tier 1 Capital ratio	11.40%	11.10%
Tier 1 capital ratio	12.50%	12.20%
Total capital ratio	14.60%	14.20%
Leverage ratio	4.00%	4.20%

Capital Management - Summary _2

Capital Management - Summary of Regulatory Capital and Capital Ratios (Parenthetical) (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of regulatory capital and capital ratios [Line Items]
Common Equity Tier 1 Capital Basel I floor adjustment	$ 0	$ 0
Tier 1 Capital Basel I floor adjustment	$ 0	$ 0

Share-based Payment - Additiona

Share-based Payment - Additional Information (Detail) - Employee stock options [member]	3 Months Ended
	Jan. 31, 2020CAD ($)$ / shares	Jan. 31, 2019CAD ($)
Disclosure of terms and conditions of share-based payment arrangement [line items]
Number of share options, granted	1,594,016
Exercise price of options granted | $ / shares	$ 74.34
Weighted average grant date fair value of options granted	$ 3.81
Increase to equity	$ 3,000,000	$ 4,000,000
Vesting period of 3 Years [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Stock options vesting percentage	50.00%
Vesting period of 4 Years [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Stock options vesting percentage	50.00%

Employee Benefits - Summary of

Employee Benefits - Summary of Financial Information related to Principal Plans (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of net defined benefit liability (asset) [line items]
Increase (decrease) in other comprehensive income related to employee benefits	$ (358)	$ 75	$ (460)
Pension plans [member]
Disclosure of net defined benefit liability (asset) [line items]
Defined benefit service cost	91		76
Interest on net defined benefit (asset) liability	6		(2)
Other	4		4
Defined benefit expense	101		78
Defined contribution expense	19		14
Increase (decrease) in other comprehensive income related to employee benefits	(316)		(395)
Other benefit plans [member]
Disclosure of net defined benefit liability (asset) [line items]
Defined benefit service cost	13		7
Interest on net defined benefit (asset) liability	12		13
Other	2		1
Defined benefit expense	27		21
Increase (decrease) in other comprehensive income related to employee benefits	$ (42)		$ (65)

Operating Segments - Additional

Operating Segments - Additional Information (Detail) $ in Billions	3 Months Ended
	Jan. 31, 2020	Nov. 01, 2019CAD ($)Cash_generating	Oct. 31, 2019Cash_generating
Disclosure of operating segments [line items]
Description of reportable segments	Scotiabank is a diversified financial services institution that provides a wide range of financial products and services to retail, commercial and corporate customers around the world. The Bank’s businesses are grouped into four business lines: Canadian Banking, International Banking, Global Banking and Markets and Global Wealth Management. Other smaller business segments are included in the Other segment. The results of these business segments are based upon the internal financial reporting systems of the Bank.
Number of cash generating units | Cash_generating		5	4
Global Wealth Management [member]
Disclosure of operating segments [line items]
Goodwill allocation | $		$ 3.4

Operating Segments - Schedule o

Operating Segments - Schedule of Operating Segments (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020		Oct. 31, 2019	Jan. 31, 2019
Disclosure of operating segments [line items]
Net interest income	$ 4,392	[1]	$ 4,336	$ 4,274
Non-interest income	3,749		3,632	3,330
Total revenue	8,141		7,968	7,604
Provision for credit losses	926		753	688
Non-interest expenses	4,418		4,311	4,171
Provision for income taxes	471		596	498
Net income	2,326	[1]	2,308	2,247
Net income attributable to non-controlling interests in subsidiaries	39		107	111
Net income attributable to equity holders of the Bank	2,287		2,201	2,136
Net income attributable to equity holders of the Bank – relating to divested operations	55		156	163
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	2,232		2,045	1,973
Average assets	1,118,000		1,091,000	1,033,000
Average liabilities	1,048,000		1,021,000	964,000
Operating segments [member] | Canadian banking [member]
Disclosure of operating segments [line items]
Net interest income	2,003		2,027	1,928
Non-interest income	704		656	656
Total revenue	2,707		2,683	2,584
Provision for credit losses	321		247	231
Non-interest expenses	1,233		1,220	1,187
Provision for income taxes	301		318	305
Net income	852		898	861
Net income attributable to non-controlling interests in subsidiaries	0
Net income attributable to equity holders of the Bank	852		898	861
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	852		898	861
Average assets	355,000		349,000	334,000
Average liabilities	263,000		263,000	248,000
Operating segments [member] | International banking [member]
Disclosure of operating segments [line items]
Net interest income	2,005		2,093	2,045
Non-interest income	980		1,093	1,092
Total revenue	2,985		3,186	3,137
Provision for credit losses	580		502	470
Non-interest expenses	1,664		1,688	1,635
Provision for income taxes	159		231	204
Net income	582		765	828
Net income attributable to non-controlling interests in subsidiaries	64		86	107
Net income attributable to equity holders of the Bank	518		679	721
Net income attributable to equity holders of the Bank – relating to divested operations	55		154	159
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	463		525	562
Average assets	203,000		205,000	194,000
Average liabilities	151,000		156,000	150,000
Operating segments [member] | Global banking and markets [member]
Disclosure of operating segments [line items]
Net interest income	325		337	372
Non-interest income	842		833	703
Total revenue	1,167		1,170	1,075
Provision for credit losses	24		4	(16)
Non-interest expenses	654		631	645
Provision for income taxes	117		130	111
Net income	372		405	335
Net income attributable to non-controlling interests in subsidiaries	0
Net income attributable to equity holders of the Bank	372		405	335
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	372		405	335
Average assets	411,000		388,000	364,000
Average liabilities	337,000		318,000	297,000
Operating segments [member] | Global Wealth Management [Member]
Disclosure of operating segments [line items]
Net interest income	141		142	143
Non-interest income	1,016		1,007	955
Total revenue	1,157		1,149	1,098
Provision for credit losses	1			2
Non-interest expenses	737		744	723
Provision for income taxes	110		102	96
Net income	309		303	277
Net income attributable to non-controlling interests in subsidiaries	3		4	4
Net income attributable to equity holders of the Bank	306		299	273
Net income attributable to equity holders of the Bank – relating to divested operations			2	4
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	306		297	269
Average assets	25		25	25
Average liabilities	35		33	30
Elimination of intersegment amounts [member] | Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Net interest income	(82)		(263)	(214)
Non-interest income	207		43	(76)
Total revenue	125		(220)	(290)
Provision for credit losses				1
Non-interest expenses	130		28	(19)
Provision for income taxes	(216)		(185)	(218)
Net income	211		(63)	(54)
Net income attributable to non-controlling interests in subsidiaries	(28)		17
Net income attributable to equity holders of the Bank	239		(80)	(54)
Net income attributable to equity holders of the Bank – relating to operations other than divested operations	239		(80)	(54)
Average assets	124,000		124,000	116,000
Average liabilities	$ 262,000		$ 251,000	$ 239,000
[1]	The amounts for the period ended January 31, 2020 have been prepared in accordance with IFRS 16; prior year amounts have not been restated (refer to Notes 3 and 4).

Operating Segments - Schedule_2

Operating Segments - Schedule of Operating Segments (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Tax-exempt income	$ 68	$ 58	$ 34
Net income (loss) from investments in associated corporations	(25)	(67)	(45)
Canadian banking [member]
Disclosure of operating segments [line items]
Net income (loss) from investments in associated corporations	20	18	13
International banking [member]
Disclosure of operating segments [line items]
Net income (loss) from investments in associated corporations	93	207	160
Global Wealth Management [member]
Disclosure of operating segments [line items]
Net income (loss) from investments in associated corporations	$ 3	$ 3	$ 1

Interest Income and Expense - D

Interest Income and Expense - Details of Interest Income from Financial Assets (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2020		Oct. 31, 2019	Jan. 31, 2019
Disclosure of Interest Income Expense [line items]
Measured at amortized cost	[1]	$ 7,797		$ 7,814	$ 7,570
Measured at FVOCI	[1]	318		332	353
Interest income calculated using effective interest method		8,115		8,146	7,923
Other	[2]	121		106	68
Interest income	[3]	8,236		8,252	7,991
Measured at amortized cost	[1]	3,777		3,916	3,711
Measured at FVOCI	[1]	0
Interest expense calculated using effective interest method		3,777		3,916	3,711
Other		67	[4]		6
Interest expenses		$ 3,844		$ 3,916	$ 3,717
[1]	The interest income/expense on financial assets/liabilities are calculated using the effective interest method.
[2]	Includes dividend income on equity securities.
[3]	Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $8,115 for the quarter ended January 31, 2020 (October 31, 2019 – $8,146; January 31, 2019 – $7,923).
[4]	The interest on lease liabilities was $30.

Interest Income and Expense -_2

Interest Income and Expense - Details of Interest Income from Financial Assets (Parenthetical) (Detail) $ in Millions	3 Months Ended
	Jan. 31, 2020CAD ($)
Expenses by nature [abstract]
Interest expense on lease liabilities	$ 30

Earnings Per Share - Summary of

Earnings Per Share - Summary of Earnings Per Share (Detail) - CAD ($) $ / shares in Units, shares in Millions, $ in Millions		3 Months Ended
		Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Basic earnings per common share
Net income attributable to common shareholders		$ 2,262	$ 2,137	$ 2,107
Weighted average number of common shares outstanding		1,214	1,218	1,226
Basic earnings per common share	[1]	$ 1.86	$ 1.76	$ 1.72
Diluted earnings per common share
Net income attributable to common shareholders		$ 2,262	$ 2,137	$ 2,107
Dilutive impact of share-based payment options and others	[2]	27	42	41
Net income attributable to common shareholders (diluted)		$ 2,289	$ 2,179	$ 2,148
Weighted average number of common shares outstanding		1,214	1,218	1,226
Dilutive impact of share-based payment options and others		33	42	29
Weighted average number of diluted common shares outstanding		1,247	1,260	1,255
Diluted earnings per common share	[1]	$ 1.84	$ 1.73	$ 1.71
[1]	Earnings per share calculations are based on full dollar and share amounts.
[2]	Certain tandem stock appreciation rights or options as well as acquisition related put/call options that the Bank may settle at its own discretion by issuing common shares were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial Instruments - Summary

Financial Instruments - Summary of Credit Risk Exposures (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Total	$ 1,029,501	$ 993,524
Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	456,477	429,655
Undrawn commitments	104,123	100,161
Other exposures	116,661	110,492
Total	677,261	640,308
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	301,646	302,373
Undrawn commitments	50,594	50,843
Total	352,240	353,216
AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Total	866,709
AIRB portfolio [member] | Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	394,821
Undrawn commitments	100,418
Other exposures	107,172
Total	602,411
AIRB portfolio [member] | Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	213,704
Undrawn commitments	50,594
Total	264,298
Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Total	162,792
Standardized portfolio [member] | Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	61,656
Undrawn commitments	3,705
Other exposures	9,489
Total	74,850
Standardized portfolio [member] | Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	87,942
Total	$ 87,942	$ 92,000

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) - CAD ($)	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	$ 1,029,501,000,000	$ 993,524,000,000
Decreases (increases) in the Bank's before-tax annual earnings	65,000,000	64,000,000
The unrealized foreign currency translation gains	349,000,000	374,000,000
Derivative liabilities transferred into Level 3	0	0
Derivative liabilities transferred out of Level 3	0	0
Derivative asset transferred out of Level 3	0	0
Derivative asset transferred into Level 3	0	0
Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	162,792,000,000
AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	866,709,000,000
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	352,240,000,000	353,216,000,000
Retail [member] | Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	87,942,000,000	92,000,000,000
Retail [member] | Standardized portfolio [member] | Real estate secured [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	45,000,000,000	$ 47,000,000,000
Retail [member] | AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	$ 264,298,000,000
Percentage of residential mortgage portfolio insured	37.00%	39.00%
Percentage of residential mortgage portfolio uninsured to average loan value	54.00%	55.00%
Retail [member] | Top of range [member] | Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Secured mortgage loans to value ratio	80.00%

Financial Instruments - VaR by

Financial Instruments - VaR by Risk Factor (Detail) - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	$ 17.8	$ 13.8	$ 9.8
Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	11.1	8	6.1
Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	11.7	7.2	7
Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7	3.4	4.2
Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	9.1	2.7	2.5
Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.7	3.1	2.5
Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.1	3.3	4.3
Risk diversification effect [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	(25)	(10.9)	(12.3)
Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	15.7	15.4	11
Bank stressed risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	51.6	$ 45.9	$ 34.7
Weighted average [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	15.4
Weighted average [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7.6
Weighted average [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	10.7
Weighted average [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.3
Weighted average [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	5.9
Weighted average [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.9
Weighted average [member] | Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3
Weighted average [member] | Risk diversification effect [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	(16.5)
Weighted average [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	14
Weighted average [member] | Bank stressed risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	47.5
Top of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	20.4
Top of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	11.1
Top of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	14.7
Top of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7
Top of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	10.3
Top of range [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	4
Top of range [member] | Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.4
Top of range [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	18.7
Top of range [member] | Bank stressed risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	57.8
Bottom of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	11.6
Bottom of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	6.2
Bottom of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	6.5
Bottom of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	1.8
Bottom of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.5
Bottom of range [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.2
Bottom of range [member] | Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.5
Bottom of range [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	10.1
Bottom of range [member] | Bank stressed risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	$ 34.3

Financial Instruments - Fair Va

Financial Instruments - Fair Value of Financial Liabilities Designated at Fair Value Through Profit or Loss and Changes in Fair Value (Details) - Senior note liabilities [member] - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Fair value	$ 12,994	$ 12,235	$ 9,907
Change in Fair value	(122)	(262)	(176)
Cumulative change in FV	$ (574)	$ (452)	$ 602

Financial Instruments - Changes

Financial Instruments - Changes in Fair Value Attributable to Changes in Bank'S Own Credit Risk for Financial Liabilities Designated at Fair Value (Detail) - Senior note liabilities [member] - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019	Jan. 31, 2019
Disclosure of detailed information about financial instruments [line items]
Contractual maturity amount	$ 12,420	$ 11,783	$ 10,509
Carrying value	12,994	12,235	9,907
Difference between carrying value and contractual maturity amount	(574)	(452)	602
Changes in fair value for the period attributable to changes in own credit risk recorded in other comprehensive income	(12)	18	30
Cumulative changes in fair value attributable to changes in own credit risk	$ (67)	$ (55)	$ (36)

Financial Instruments - Summa_2

Financial Instruments - Summary of Fair Values of Financial Instruments of Bank Using Valuation Methods and Assumption (Detail) - CAD ($) $ in Millions		Jan. 31, 2020	Oct. 31, 2019
Assets:
Cash and deposits with financial institutions	[1]	$ 69,291	$ 46,720
Trading assets		144,731	127,488
Securities purchased under resale agreements and securities borrowed		146,432	131,178
Derivative financial instruments		43,083	38,119
Customers' liability under acceptances		21,364	13,896
Liabilities:
Deposits		763,850	733,390
Financial instruments designated at fair value through profit or loss		12,994	12,235
Acceptances		21,389	13,901
Obligations related to securities sold short		32,439	30,404
Derivative financial instruments		43,139	40,222
Obligations related to securities sold under repurchase agreements and securities lent		143,019	124,083
Subordinated debentures		7,295	7,252
Gross carrying amount [member]
Assets:
Cash and deposits with financial institutions		69,291	46,720
Trading assets		144,731	127,488
Securities purchased under resale agreements and securities borrowed		146,432	131,178
Derivative financial instruments		43,083	38,119
Investment securities - fair value		57,264	60,514
Investment securities - amortized cost		20,739	21,845
Loans		592,279	592,483
Customers' liability under acceptances		21,364	13,896
Other financial assets		20,123	15,142
Liabilities:
Deposits		763,850	733,390
Financial instruments designated at fair value through profit or loss		12,994	12,235
Acceptances		21,389	13,901
Obligations related to securities sold short		32,439	30,404
Derivative financial instruments		43,139	40,222
Obligations related to securities sold under repurchase agreements and securities lent		143,019	124,083
Subordinated debentures		7,295	7,252
Other financial liabilities		37,318	37,713
At fair value [member]
Assets:
Cash and deposits with financial institutions		69,291	46,720
Trading assets		144,731	127,488
Securities purchased under resale agreements and securities borrowed		146,432	131,178
Derivative financial instruments		43,083	38,119
Investment securities - fair value		57,264	60,514
Investment securities - amortized cost		20,912	22,000
Loans		597,836	600,155
Customers' liability under acceptances		21,364	13,896
Other financial assets		20,123	15,142
Liabilities:
Deposits		766,067	735,270
Financial instruments designated at fair value through profit or loss		12,994	12,235
Acceptances		21,389	13,901
Obligations related to securities sold short		32,439	30,404
Derivative financial instruments		43,139	40,222
Obligations related to securities sold under repurchase agreements and securities lent		143,019	124,083
Subordinated debentures		7,673	7,553
Other financial liabilities		$ 37,906	$ 38,338
[1]	Net of impairment allowances of $2 (October 31, 2019–$3).

Financial Instruments - Summa_3

Financial Instruments - Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis (Detail) - CAD ($) $ in Millions		Jan. 31, 2020		Oct. 31, 2019
Assets:
Precious metals		$ 3,616		$ 3,709
Trading assets
Loans		15,815		13,829
Securities		128,071		112,664
Other		845		995
Derivative financial instruments
Derivative Financial Assets		43,083		38,119
Liabilities:
Deposits		763,850		733,390
Financial liabilities designated at fair value through profit or loss		12,994		12,235
Obligations related to securities sold short		32,439		30,404
Derivative financial instruments
Derivative Financial Liabilities		43,139		40,222
Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[1]	3,616		3,709
Trading assets
Assets		148,347		131,197
Investment securities
Investment securities	[2]	57,264		60,514
Derivative financial instruments
Derivative Financial Assets		43,083		38,119
Liabilities:
Deposits	[3]	155		144
Financial liabilities designated at fair value through profit or loss		12,994		12,235
Obligations related to securities sold short		32,439		30,404
Derivative financial instruments
Derivative Financial Liabilities		43,139		40,222
Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans		15,815		13,829
Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		15,256		11,173
Investment securities
Investment securities	[2]	10,332		12,381
Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities		11,578		7,615
Investment securities
Investment securities	[2]	2,773		3,241
Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Trading assets
Securities		10,032		8,604
Investment securities
Investment securities	[2]	18,974		19,889
Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		10,087		9,282
Investment securities
Investment securities		20,811	[2]	20,611
Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		10,855		10,540
Investment securities
Investment securities	[2]	1,402		2,035
Recurring fair value measurement [member] | Income funds [Member] | IFRS9 [member]
Trading assets
Securities		96		73
Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		70,167		65,377
Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other	[4]	845		995
Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	2,972		2,357
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		14,987		13,938
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		21,890		20,350
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		2,857		3,093
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		37		38
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		3,368		2,803
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		16,804		16,636
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		20,994		17,317
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,685		1,995
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		177		406
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,423		1,765
Level 1 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Trading assets
Assets		100,277		90,290
Investment securities
Investment securities	[2]	31,427		37,185
Derivative financial instruments
Derivative Financial Assets		401		613
Liabilities:
Obligations related to securities sold short		27,413		26,669
Derivative financial instruments
Derivative Financial Liabilities		325		530
Level 1 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		13,535		9,345
Investment securities
Investment securities	[2]	6,604		8,464
Level 1 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	177		197
Level 1 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Trading assets
Securities		10,032		8,604
Investment securities
Investment securities	[2]	14,467		16,117
Level 1 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		5,742		6,058
Investment securities
Investment securities	[2]	8,361		10,973
Level 1 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	232		230
Level 1 [member] | Recurring fair value measurement [member] | Income funds [Member] | IFRS9 [member]
Trading assets
Securities		96		73
Level 1 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		70,027		65,215
Level 1 [member] | Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other	[4]	845		995
Level 1 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	1,586		1,204
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		325		530
Level 1 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets				8
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		401		599
Level 1 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets				6
Level 2 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[1]	3,593		3,709
Trading assets
Assets		48,006		40,889
Investment securities
Investment securities	[2]	25,017		22,409
Derivative financial instruments
Derivative Financial Assets		42,667		37,489
Liabilities:
Deposits	[3]	155		144
Financial liabilities designated at fair value through profit or loss		12,994		12,235
Obligations related to securities sold short		5,026		3,735
Derivative financial instruments
Derivative Financial Liabilities		42,754		39,615
Level 2 [member] | Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans		15,793		13,829
Level 2 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		1,721		1,828
Investment securities
Investment securities	[2]	3,728		3,917
Level 2 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities		11,578		7,615
Investment securities
Investment securities	[2]	2,596		3,044
Level 2 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	4,507		3,772
Level 2 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		4,345		3,224
Investment securities
Investment securities	[2]	12,427		9,608
Level 2 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		10,836		10,523
Investment securities
Investment securities	[2]	1,143		1,784
Level 2 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		140		161
Level 2 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	616		284
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		14,949		13,867
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		21,890		20,350
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		2,529		2,557
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		37		38
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		3,349		2,803
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		16,797		16,621
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		20,994		17,309
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,283		1,394
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		177		406
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,416		1,759
Level 3 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[1]	23
Trading assets
Assets		64		18
Investment securities
Investment securities	[2]	820		920
Derivative financial instruments
Derivative Financial Assets		15		17
Derivative financial instruments
Derivative Financial Liabilities		60		77
Level 3 [member] | Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans		22
Level 3 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	23		30
Level 3 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		19		17
Investment securities
Investment securities	[2]	27		21
Level 3 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities				1
Level 3 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Investment securities
Investment securities	[2]	770		869
Level 3 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		38		71
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		3		6
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		19
Level 3 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		7		15
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		1		$ 2
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		$ 7
[1]	The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable.
[2]	Excludes debt investment securities measured at amortized cost of $0 (October 31, 2019 – $21,845).
[3]	These amounts represent embedded derivatives bifurcated from structured notes.
[4]	Represents energy related assets.

Financial Instruments - Summa_4

Financial Instruments - Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis (Parenthetical) (Detail) - Gross carrying amount [member] - CAD ($) $ in Millions	Jan. 31, 2020	Oct. 31, 2019
Disclosure of fair value measurement of assets [line items]
Investment securities measured at amortized cost	$ 20,739	$ 21,845
Financial assets available-for-sale [member]
Disclosure of fair value measurement of assets [line items]
Investment securities measured at amortized cost	$ 20,739	$ 21,845

Financial Instruments - Summa_5

Financial Instruments - Summary of Changes in Level 3 Instruments Carried at Fair Value (Detail) - Level 3 [member] - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2020	Oct. 31, 2019
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	$ 878
Gains/(losses) recorded in income	4
Purchases/ Issuances	138
Sales/ Settlements	(204)
Transfers into/out of Level 3	23
Fair value, ending balance	839	$ 878
Change in unrealized gains/(losses)recorded in income for instruments still held	4
Derivative financial instruments [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Gains/(losses) recorded in income	(7)	(13)
Change in unrealized gains/(losses)recorded in income for instruments still held	(7)
Fair value, beginning balance	(60)	(9)
Purchases/ Issuances	(1)	(35)
Sales/ Settlements		0
Transfers into/out of Level 3	23	(3)
Fair value, ending balance	(45)	(60)
Precious metals [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		1
Purchases/ Issuances	23	0
Sales/ Settlements		(1)
Fair value, ending balance	23
Trading assets [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	18	14
Gains/(losses) recorded in income	2	2
Purchases/ Issuances	22	2
Sales/ Settlements	(1)	0
Transfers into/out of Level 3		0
Fair value, ending balance	41	18
Change in unrealized gains/(losses)recorded in income for instruments still held	2
Trading assets [member] | Corporate debt and other debt [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	17
Gains/(losses) recorded in income	2
Fair value, ending balance	19	17
Change in unrealized gains/(losses)recorded in income for instruments still held	2
Trading assets [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	1
Sales/ Settlements	(1)
Fair value, ending balance		1
Trading assets [member] | Trading loans [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Purchases/ Issuances	22
Fair value, ending balance	22
Investment securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	920	861
Gains/(losses) recorded in income	9	19
Gains/(losses) recorded in OCI		(1)
Purchases/ Issuances	94	54
Sales/ Settlements	(203)	(13)
Transfers into/out of Level 3		0
Fair value, ending balance	820	920
Change in unrealized gains/(losses)recorded in income for instruments still held	9
Investment securities [member] | Other foreign governments debt [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	30
Gains/(losses) recorded in OCI	(3)
Sales/ Settlements	(4)
Fair value, ending balance	23	30
Investment securities [member] | Corporate and other debt [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	21
Gains/(losses) recorded in OCI	6
Fair value, ending balance	27	21
Investment securities [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	869
Gains/(losses) recorded in income	9
Gains/(losses) recorded in OCI	(3)
Purchases/ Issuances	94
Sales/ Settlements	(199)
Fair value, ending balance	770	869
Change in unrealized gains/(losses)recorded in income for instruments still held	9
Derivative Financial Assets [member] | Interest rate contracts [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	15
Purchases/ Issuances	1
Transfers into/out of Level 3	(9)
Fair value, ending balance	7	15
Derivative Financial Assets [member] | Equity contracts [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	2
Gains/(losses) recorded in income	1
Transfers into/out of Level 3	(2)
Fair value, ending balance	1	2
Change in unrealized gains/(losses)recorded in income for instruments still held	1
Interest rate contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	(71)
Gains/(losses) recorded in income	3
Purchases/ Issuances	(2)
Transfers into/out of Level 3	32
Fair value, ending balance	(38)	(71)
Change in unrealized gains/(losses)recorded in income for instruments still held	3
Commodity Contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Gains/(losses) recorded in income	(19)
Fair value, ending balance	(19)
Change in unrealized gains/(losses)recorded in income for instruments still held	(19)
Commodity Contracts [member] | Derivative Financial Assets [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Gains/(losses) recorded in income	7
Fair value, ending balance	7
Change in unrealized gains/(losses)recorded in income for instruments still held	7
Equity contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance	(6)
Gains/(losses) recorded in income	1
Transfers into/out of Level 3	2
Fair value, ending balance	(3)	$ (6)
Change in unrealized gains/(losses)recorded in income for instruments still held	$ 1

Corporate Income Taxes- Additio

Corporate Income Taxes- Additional Information (Detail) - CAD ($) $ in Millions	Oct. 31, 2019	Nov. 30, 2016
2014 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency	$ 223
2011 to 2013 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency		$ 575

Divestitures - Additional Infor

Divestitures - Additional Information (Detail) - CAD ($) $ in Millions	Dec. 31, 2019	Dec. 03, 2019	Apr. 30, 2019	Jan. 31, 2020	Oct. 31, 2019	Jul. 31, 2019	Oct. 31, 2019	Dec. 13, 2019	Nov. 28, 2019
Disclosure of detailed information about business combination [line items]
Total derecognized assets				$ 1,154,022	$ 1,086,161		$ 1,086,161
Total derecognized liabilities				1,084,161	1,015,969		1,015,969
Puerto Rico and US Virgin Islands [member]
Disclosure of detailed information about business combination [line items]
Gain on sale of subsidiary after tax	$ (424)			$ (22)		$ (402)
Total derecognized assets	4,800
Total derecognized liabilities	$ 4,166
Increase decrease in common equity tier one ratio				0.07%
Insurance and Banking Operations [member] | EL SALVADOR
Disclosure of detailed information about business combination [line items]
Gain on sale of subsidiary after tax				$ (28)			(136)
Gain loss on sale of subsidiary after tax one				(164)
Total derecognized assets				2,796
Total derecognized liabilities				$ 2,481
Increase decrease in common equity tier one ratio				0.04%
Banking operations in the Caribbean [Member]
Disclosure of detailed information about business combination [line items]
After-tax net gain on sale of operations					38
Total derecognized assets					2,086		2,086
Total derecognized liabilities					2,069		$ 2,069
TMB and TBank (Merged Bank) [member]
Disclosure of detailed information about business combination [line items]
Increase decrease in common equity tier one ratio		0.36%
TMB and TBank (Merged Bank) [member] | Major business combination [member]
Disclosure of detailed information about business combination [line items]
Percentage of controlling interest		6.00%
Gain on sale of subsidiary before tax				$ 426
Gain on sale of subsidiary after tax				$ 414
TBank subsidiaries [member] | Major business combination [member]
Disclosure of detailed information about business combination [line items]
Percentage of controlling interest		49.00%		49.00%
Total derecognized assets		$ 3,600
Scotia Crecer AFP and Scotia Seguros [member] | Pension and related insurance businesses [Member] | Dominican Republic [member]
Disclosure of detailed information about business combination [line items]
Gain on sale of subsidiary after tax			$ 273
Total derecognized assets			111
Total derecognized liabilities			$ 26
AFP Colfondos [Member]
Disclosure of detailed information about business combination [line items]
Gain on sale of subsidiary after tax				$ (48)	$ (64)
Total derecognized assets								$ 240
Total derecognized liabilities								$ 53
Amount reclassified from AOCI to retained earnings				27
Profit loss attributable to owners of parent after reclassification				(85)
Gain on sale of subsidiary after tax and non-controlling interests				$ (112)
AFP Colfondos [Member] | Disposal of major subsidiary [member]
Disclosure of detailed information about business combination [line items]
Ownership interest, potential divestiture								51.00%
Scotiabank (British Virgin Islands) Limited [member]
Disclosure of detailed information about business combination [line items]
Ownership interest, potential divestiture									100.00%