The Bank of Nova Scotia (BNS) 6-K 27 Aug 24 2024 Q3 Current report (foreign) Financial data

Cover Page

Cover Page	9 Months Ended
	Jul. 31, 2024
Cover [Abstract]
Document Type	6-K
Amendment Flag	false
Document Period End Date	Jul. 31, 2024
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
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		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Assets
Cash and deposits with financial institutions	[1],[2]	$ 58,329	$ 58,631	$ 90,312
Precious metals	[2]	2,419	1,253	937
Trading assets
Securities	[2]	124,117	123,091	107,612
Loans	[2]	7,642	7,141	7,544
Other	[2]	2,240	2,048	2,712
Total trading assets	[2]	133,999	132,280	117,868
Securities purchased under resale agreements and securities borrowed	[2]	193,796	192,858	199,325
Derivative financial instruments	[2]	39,987	44,856	51,340
Investment securities	[2]	151,776	144,784	118,237
Loans
Residential mortgages	[2]	348,631	344,168	344,182
Personal loans	[2]	106,543	105,528	104,170
Credit cards	[2]	17,646	17,579	17,109
Business and government	[2]	292,973	292,758	291,822
Loans and receivables gross	[2]	765,793	760,033	757,283
Allowance for credit losses	[2]	6,582	6,507	6,372
Loans and receivables	[2]	759,211	753,526	750,911
Other
Customers' liability under acceptances, net of allowance	[2]	3,282	9,117	18,628
Property and equipment	[2]	5,384	5,493	5,642
Investments in associates	[2]	2,107	2,067	1,925
Goodwill and other intangible assets	[2]	16,969	17,054	17,193
Deferred tax assets	[2]	3,177	3,455	3,541
Other assets	[2]	31,930	34,056	35,184
Other Assets	[2]	62,849	71,242	82,113
Total assets	[2]	1,402,366	1,399,430	1,411,043
Deposits
Personal	[2]	296,750	292,117	288,617
Business and government	[2]	606,964	605,457	612,267
Financial institutions	[2]	45,487	44,454	51,449
Deposits	[2],[3]	949,201	942,028	952,333
Financial instruments designated at fair value through profit or loss	[2]	37,754	32,987	26,779
Other
Acceptances	[2]	3,330	9,205	18,718
Obligations related to securities sold short	[2]	32,672	37,780	36,403
Derivative financial instruments	[2]	47,364	52,861	58,660
Obligations related to securities sold under repurchase agreements and securities lent	[2]	178,595	173,602	160,007
Subordinated debentures	[2]	7,716	8,129	9,693
Other liabilities	[2]	62,515	61,763	69,879
Other Liabilities	[2]	332,192	343,340	353,360
Total liabilities	[2]	1,319,147	1,318,355	1,332,472
Equity
Retained earnings	[2]	57,541	57,081	55,673
Accumulated other comprehensive income (loss)	[2]	(6,298)	(7,502)	(6,931)
Other reserves	[2]	(67)	(68)	(84)
Total common equity	[2]	72,725	70,577	68,767
Total equity attributable to equity holders of the Bank	[2]	81,504	79,356	76,842
Non-controlling interests in subsidiaries	[2]	1,715	1,719	1,729
Total equity	[2]	83,219	81,075	78,571
Total liabilities and equity	[2]	1,402,366	1,399,430	1,411,043
Common shares [member]
Equity
Common shares	[2]	21,549	21,066	20,109
Total equity		21,549	21,066	20,109
Preference shares [member]
Equity
Preferred shares and other equity instruments	[2]	$ 8,779	$ 8,779	$ 8,075
[1]Net of allowances of $3 (April 30, 2024 – $3; October 31, 2023 – $7).[2]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[3]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).

Consolidated Statement of Incom

Consolidated Statement of Income - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Interest income
Loans	[1],[2]	$ 12,137	$ 11,792	$ 11,525	$ 35,841	$ 33,220
Securities	[1],[2]	2,367	2,277	1,831	6,947	4,934
Securities purchased under resale agreements and securities borrowed	[1],[2]	413	372	397	1,131	1,101
Deposits with financial institutions	[1],[2]	766	771	936	2,415	2,460
Interest income	[1],[2]	15,683	15,212	14,689	46,334	41,715
Interest expense
Deposits	[2]	10,106	9,761	9,438	29,780	25,924
Subordinated debentures	[2]	122	121	123	378	338
Other	[2]	593	636	555	1,847	1,857
Interest expenses	[2]	10,821	10,518	10,116	32,005	28,119
Net interest income	[2]	4,862	4,694	4,573	14,329	13,596
Non-interest income
Card revenues	[2]	220	214	188	643	579
Banking services fees	[2]	494	477	474	1,471	1,405
Credit fees	[2]	370	437	469	1,303	1,382
Mutual funds	[2]	570	551	541	1,659	1,600
Brokerage fees	[2]	333	317	285	941	833
Investment management and trust	[2]	278	273	261	817	770
Underwriting and advisory fees	[2]	202	196	146	534	402
Non-trading foreign exchange	[2]	236	245	213	709	672
Trading revenues	[2]	370	383	360	1,226	1,383
Net gain on sale of investment securities	[2]	2	19	30	24	130
Net income from investments in associated corporations	[2]	54	57	55	157	135
Insurance service results	[2]	115	108	97	337	309
Other fees and commissions	[2]	308	286	283	885	751
Other	[2]	(50)	90	92	109	(5)
Total non-interest income	[2]	3,502	3,653	3,494	10,815	10,346
Total revenue	[2]	8,364	8,347	8,067	25,144	23,942
Provision for credit losses	[2]	1,052	1,007	819	3,021	2,166
Profit from operating activity	[2]	7,312	7,340	7,248	22,123	21,776
Non-interest expenses
Salaries and employee benefits	[2]	2,455	2,455	2,377	7,356	7,139
Premises and technology	[2]	737	699	660	2,144	1,957
Depreciation and amortization	[2]	428	410	412	1,259	1,230
Communications	[2]	89	99	101	294	296
Advertising and business development	[2]	146	148	142	446	417
Professional	[2]	215	191	198	568	560
Business and capital taxes	[2]	167	171	153	521	472
Other	[2]	712	538	516	1,811	1,523
Total non-interest expenses	[2]	4,949	4,711	4,559	14,399	13,594
Income before taxes	[2]	2,363	2,629	2,689	7,724	8,182
Income tax expense	[2]	451	537	497	1,521	2,086
Net income	[2]	1,912	2,092	2,192	6,203	6,096
Net income attributable to non-controlling interests in subsidiaries	[2]	36	26	20	87	81
Net income attributable to equity holders of the Bank	[2]	1,876	2,066	2,172	6,116	6,015
Preferred shareholders and other equity instrument holders	[2]	120	123	105	351	310
Common shareholders	[2]	$ 1,756	$ 1,943	$ 2,067	$ 5,765	$ 5,705
Earnings per common share (in dollars)
Basic	[2],[3]	$ 1.43	$ 1.59	$ 1.72	$ 4.72	$ 4.78
Diluted	[2],[3]	1.41	1.57	1.7	4.66	4.73
Dividends paid per common share (in dollars)	[2]	$ 1.06	$ 1.06	$ 1.06	$ 3.18	$ 3.12
[1]Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $15,230 for the three months ended July 31, 2024 (April 30, 2024 – $14,776; July 31, 2023 – $14,127) and for the nine months ended July 31, 2024 – $44,904 (July 31, 2023 – $40,221).[2]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[3]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			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Profit or loss [abstract]
Interest income calculated using effective interest method	[1]	$ 15,230	$ 14,776	$ 14,127	$ 44,904	$ 40,221
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Statement of comprehensive income [abstract]
Net income	[1]	$ 1,912	$ 2,092	$ 2,192	$ 6,203	$ 6,096
Net change in unrealized foreign currency translation gains (losses):
Net unrealized foreign currency translation gains (losses)	[1]	(814)	753	(946)	(1,813)	670
Net gains (losses) on hedges of net investments in foreign operations	[1]	377	(375)	298	618	(242)
Income tax expense (benefit):
Net unrealized foreign currency translation gains (losses)	[1]	(3)	4	(14)	(4)	(6)
Net gains (losses) on hedges of net investments in foreign operations	[1]	103	(106)	82	165	(81)
Other comprehensive income on foreign currency translation and hedges of net investments net of tax	[1]	(537)	480	(716)	(1,356)	515
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	[1]	2,151	(1,712)	(559)	2,817	1,027
Reclassification of net (gains) losses to net income	[1]	(1,811)	1,435	711	(1,914)	(169)
Income tax expense (benefit):
Net gains (losses) in fair value	[1]	582	(458)	(149)	763	253
Reclassification of net (gains) losses to net income	[1]	(494)	385	199	(511)	(31)
Other comprehensive income net of tax available for sale financial assets net of tax	[1]	252	(204)	102	651	636
Net change in gains (losses) on derivative instruments designated as cash flow hedges:
Net gains (losses) on derivative instruments designated as cash flow hedges	[1]	2,777	(723)	(1,601)	3,701	3,300
Reclassification of net (gains) losses to net income	[1]	(1,114)	(89)	1,025	(1,348)	(3,304)
Income tax expense (benefit):
Net gains (losses) on derivative instruments designated as cash flow hedges	[1]	773	(235)	(424)	1,035	973
Reclassification of net (gains) losses to net income	[1]	(309)	13	257	(368)	(1,003)
Other comprehensive income net of tax cash flow hedges	[1]	1,199	(590)	(409)	1,686	26
Net changes in finance income/(expense) from insurance contracts:
Net finance income/(expense) from insurance contracts	[1]	(2)	(1)	(1)	5	(6)
Income tax expense (benefit)	[1]		(1)	(1)	1	(3)
Other comprehensive income on finance income/(expense) from insurance contracts	[1]	(2)			4	(3)
Other comprehensive income (loss) from investments in associates	[1]	1	1	7	(2)	(5)
Net change in remeasurement of employee benefit plan asset and liability:
Actuarial gains (losses) on employee benefit plans	[1]	120	289	245	(121)	(199)
Income tax expense (benefit)	[1]	33	81	68	(39)	(64)
Other comprehensive income net of tax actuarial gains (losses) on employee benefit plans	[1]	87	208	177	(82)	(135)
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	[1]	125	(59)	(181)	306	(128)
Income tax expense (benefit)	[1]	35	(36)	(32)	59	(37)
Other comprehensive income net of tax for equity instruments designated at fair value through other comprehensive income	[1]	90	(23)	(149)	247	(91)
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	[1]	127	(474)	(1,848)	(758)	(1,277)
Income tax expense (benefit)	[1]	36	(132)	(513)	(210)	(336)
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	[1]	91	(342)	(1,335)	(548)	(941)
Other comprehensive income (loss) from investments in associates	[1]				1	2
Other comprehensive income (loss)	[1]	1,181	(470)	(2,323)	601	4
Comprehensive income (loss)	[1]	3,093	1,622	(131)	6,804	6,100
Comprehensive income (loss) attributable to non-controlling interests	[1]	13	60	88	55	219
Comprehensive income (loss) attributable to equity holders of the Bank	[1]	3,080	1,562	(219)	6,749	5,881
Preferred shareholders and other equity instrument holders	[1]	120	123	105	351	310
Common shareholders	[1]	$ 2,960	$ 1,439	$ (324)	$ 6,398	$ 5,571
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

Consolidated Statement of Chang

Consolidated Statement of Changes in Equity - CAD ($) $ in Millions		Total		Common shares [member]	Retained earnings [member]	[1]	Other reserves [member]	Total common equity [member]	Preferred shares and other equity instruments [member]	Total common and preferred equity [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, 2022		$ 74,749		$ 18,707	$ 53,761		$ (152)	$ 65,150	$ 8,075	$ 73,225	$ 1,524	$ (2,478)	$ (1,482)	$ 216	$ (4,786)	$ 1,364
Beginning Balance (Cumulative impact of adopting IFRS 17, net of tax [member]) at Oct. 31, 2022		(1)			(1)			(1)		(1)
Beginning Balance at Oct. 31, 2022		74,748		18,707	53,760		(152)	65,149	8,075	73,224	1,524	(2,478)	(1,482)	216	(4,786)	1,364
Statement [Line Items]
Net income		6,096	[3]		5,705			5,705	310	6,015	81
Other comprehensive income (loss)		4	[3]					(134)		(134)	138	387	635	(114)	23	(1,065)
Total comprehensive income		6,100	[3]		5,705			5,571	310	5,881	219	387	635	(114)	23	(1,065)
Shares/instruments issued		917		920			(3)	917		917
Dividends and distributions paid to equity holders		(4,110)			(3,725)			(3,725)	(310)	(4,035)	(75)
Share-based payments	[4]	12					12	12		12
Other					1		55	13		13	(13)	(43)		(1)	1
Ending Balance at Jul. 31, 2023	[3]	77,667		19,627	55,741		(88)	67,937	8,075	76,012	1,655	(2,134)	(847)	101	(4,762)	299
Statement [Line Items]
Net income	[3]	2,192
Other comprehensive income (loss)	[3]	(2,323)
Total comprehensive income	[3]	(131)
Ending Balance at Jul. 31, 2023	[3]	77,667		19,627	55,741		(88)	67,937	8,075	76,012	1,655	(2,134)	(847)	101	(4,762)	299
Beginning Balance at Oct. 31, 2023	[3]	78,571		20,109	55,673		(84)	68,767	8,075	76,842	1,729	(1,755)	(1,104)	14	(4,545)	459
Statement [Line Items]
Net income		6,203	[3]		5,765			5,765	351	6,116	87
Other comprehensive income (loss)		601	[3]					633		633	(32)	(1,341)	652	239	1,692	(609)
Total comprehensive income		6,804	[3]		5,765			6,398	351	6,749	55	(1,341)	652	239	1,692	(609)
Shares/instruments issued		2,443		1,440			(1)	1,439	1,004	2,443
Shares repurchased/redeemed		(300)							(300)	(300)
Dividends and distributions paid to equity holders		(4,310)			(3,886)			(3,886)	(351)	(4,237)	(73)
Share-based payments	[4]	11					11	11		11
Other					(11)		7	(4)		(4)	4
Ending Balance at Jul. 31, 2024		83,219	[3]	21,549	57,541		(67)	72,725	8,779	81,504	1,715	(3,096)	(452)	253	(2,853)	(150)
Beginning Balance at Apr. 30, 2024	[3]	81,075
Statement [Line Items]
Net income	[3]	1,912
Other comprehensive income (loss)	[3]	1,181
Total comprehensive income	[3]	3,093
Ending Balance at Jul. 31, 2024		$ 83,219	[3]	$ 21,549	$ 57,541		$ (67)	$ 72,725	$ 8,779	$ 81,504	$ 1,715	$ (3,096)	$ (452)	$ 253	$ (2,853)	$ (150)
[1]Includes undistributed retained earnings of $73 (July 31, 2023 – $66) related to a foreign associated corporation, which is subject to local regulatory restriction.[2]Includes Share from associates, Employee benefits, Own credit risk, and Insurance contracts.[3]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[4]Represents amounts on account of share-based payments (refer to Note 14).

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Equity (Parenthetical) - CAD ($) $ in Millions	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023	Jul. 31, 2023
Disclosure Of Restatement [abstract]
Undistributed retained earnings	$ 73	$ 73	$ 71	$ 66

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - CAD ($) $ in Millions		3 Months Ended		9 Months Ended
		Jul. 31, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Cash flows from operating activities
Net income	[1]	$ 1,912	$ 2,192	$ 6,203	$ 6,096
Adjustment for:
Net interest income	[1],[2]	(4,862)	(4,573)	(14,329)	(13,596)
Depreciation and amortization	[1]	428	412	1,259	1,230
Provision for credit losses	[1]	1,052	819	3,021	2,166
Equity-settled share-based payment expense	[1]	1	1	11	12
Net gain on sale of investment securities	[1]	(2)	(30)	(24)	(130)
Net (gain)/loss on divestitures	[1]	136		136
Net income from investments in associated corporations	[1]	(54)	(55)	(157)	(135)
Income tax expense	[1]	451	497	1,521	2,086
Changes in operating assets and liabilities:
Trading assets	[1]	(1,593)	(5,568)	(15,818)	(5,847)
Securities purchased under resale agreements and securities borrowed	[1]	(206)	(17,220)	5,567	(23,800)
Loans	[1]	(7,550)	6,727	(13,551)	(2,234)
Deposits	[1]	11,038	22,047	6,754	43,597
Obligations related to securities sold short	[1]	(5,227)	(3,341)	(3,890)	(2,949)
Obligations related to securities sold under repurchase agreements and securities lent	[1]	4,387	17,261	18,035	8,075
Net derivative financial instruments	[1]	2,149	(1,433)	3,251	(465)
Other, net	[1]	637	629	(2,812)	(2,328)
Interest and dividends received	[1]	15,914	14,882	46,006	41,755
Interest paid	[1]	(10,966)	(9,419)	(31,338)	(24,930)
Income tax paid	[1]	(532)	(501)	(1,385)	(1,625)
Net cash from/(used in) operating activities	[1]	7,113	23,327	8,460	26,978
Cash flows from investing activities
Interest-bearing deposits with financial institutions	[1]	(384)	(23,830)	30,818	(22,897)
Purchase of investment securities	[1]	(23,166)	(20,121)	(88,194)	(68,383)
Proceeds from sale and maturity of investment securities	[1]	18,470	23,723	57,231	68,386
Property and equipment, net of disposals	[1]	(134)	(217)	(368)	(289)
Other, net	[1]	(242)	26	(719)	(538)
Net cash from/(used in) investing activities	[1]	(5,456)	(20,419)	(1,232)	(23,721)
Cash flows from financing activities
Proceeds from issue of subordinated debentures	[1]	1,000	1,000	1,000	1,337
Redemption of subordinated debentures	[1]	(1,500)		(3,250)	(2)
Proceeds from preferred shares and other equity instruments issued	[1]			1,004
Redemption of preferred shares	[1]			(300)
Proceeds from common shares issued	[1]	483	467	1,440	920
Cash dividends and distributions paid	[1]	(1,424)	(1,375)	(4,237)	(4,035)
Distributions to non-controlling interests	[1]	(17)	(14)	(73)	(75)
Payment of lease liabilities	[1]	(74)	(78)	(232)	(248)
Other, net	[1]	(630)	582	(3,406)	326
Net cash from/(used in) financing activities	[1]	(2,162)	582	(8,054)	(1,777)
Effect of exchange rate changes on cash and cash equivalents	[1]	(11)	(147)	(94)	90
Net change in cash and cash equivalents	[1]	(516)	3,343	(920)	1,570
Cash and cash equivalents at beginning of period	[1],[3]	9,769	9,292	10,173	11,065
Cash and cash equivalents at end of period	[1],[3]	$ 9,253	$ 12,635	$ 9,253	$ 12,635
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.[3]Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 6).

Reporting entity

Reporting entity	9 Months Ended
	Jul. 31, 2024
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 40 Temperance Street, 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	9 Months Ended
	Jul. 31, 2024
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 July 31, 2024 have been approved by the Board of Directors for issue on August 27, 2024. 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 judgements The preparation of financial statements, in conformity with IFRS, requires management to make estimates, apply judgements 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 judgements, 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

Material accounting policies

Material accounting policies	9 Months Ended
	Jul. 31, 2024
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Material accounting policies	3. Material 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, 2023 included in the 2023 Annual Report. The material 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, 2023 as described in Note 3 of the Bank’s audited consolidated financial statements in the 2023 Annual Report, except for the changes described below. IFRS 17 – Insurance Contracts On November 1, 2023, the Bank adopted IFRS 17 Insurance Contracts Under IFRS 17, the Bank identifies its insurance contracts under which it accepts significant insurance risk from another party (the policyholder) by agreeing to compensate the policyholder if a specified uncertain future event (the insured event) adversely affects the policyholder. For short duration contracts, the Bank applies the premium allocation approach which requires that the expected premium be recognized into income over the coverage period and a liability be established to the extent that cash inflows are received earlier than the recognition of premiums into insurance revenue. For long duration contracts, IFRS 17 requires recognition of probability-weighted fulfilment cashflows and a risk adjustment for non-financial

Transition to IFRS 17

Transition to IFRS 17	9 Months Ended
	Jul. 31, 2024
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Transition to IFRS 17	4. Transition to IFRS 17 On transition, IFRS 17 is applied on a full retrospective basis unless impractical, where either the modified retrospective or fair value method may be used. The Bank assessed the data and assumptions required to apply IFRS 17 and determined that the full retrospective approach could be applied for its short duration contracts and the fair value approach was applied for its longer duration contracts. Consequently, the Bank has restated the comparative year results from the transition date of November 1, 2022. The impact of adopting IFRS 17 was not significant to the Bank.

Future accounting developments

Future accounting developments	9 Months Ended
	Jul. 31, 2024
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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 2023 Annual Report other than the updates described below: IFRS 18 Presentation and Disclosure in Financial Statements The IASB issued IFRS 18 Presentation and Disclosure in Financial Statements Presentation of Financial Statements IFRS 18 will be effective for the Bank on November 1, 2027, with early adoption permitted. The Bank is currently assessing the impact of this new standard. IFRS 9 Financial Instruments and IFRS 7 Financial Instruments – Amendments On May 30, 2024, the IASB issued “Amendments to the Classification and Measurement of Financial Instruments (Amendments to IFRS 9 and IFRS 7)” to address post-implementation review findings of IFRS 9 Financial Instruments. The amendments introduce an accounting policy option to derecognize financial liabilities settled through an electronic payment system before the settlement date upon meeting certain conditions. The amendments clarify the assessment of contractual cash flow characteristics of financial assets based on contingent events, such as interest rates linked to environmental, social and governance (ESG) targets, the treatment of non-recourse assets, and contractually linked instruments. The amendments introduce new disclosure requirements for financial instruments with contractual terms that can change cash flows due to events not directly related to changes in basic lending risks, such as certain loans subject to ESG targets. Additionally, the amendments change some of the disclosure requirements for equity instruments designated at fair value through other comprehensive income. The amendments are effective for the Bank on November 1, 2026. The Bank can early adopt either all the amendments at the same time or only the amendments related to the classification of financial assets and the related disclosures. The Bank is currently assessing the impact of these amendments.

Cash and deposits with financia

Cash and deposits with financial institutions	9 Months Ended
	Jul. 31, 2024
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Cash and deposits with financial institutions	6. Cash and deposits with financial institutions   As at ($ millions) July 31 April 30 October 31 Cash and non-interest-bearing $ 9,253 $ 9,769 $ 10,173 Interest-bearing deposits with financial institutions 49,076 48,862 80,139 Total $ 58,329 (1) $    58,631 (1) $    90,312 (1) (1) Net of allowances of $3 (April 30, 2024 – $3; October 31, 2023 – $7). The Bank is required to maintain balances with central banks, other regulatory authorities and certain counterparties and these amounted to $5,507 million (April 30, 2024 – $5,817 million; October 31, 2023 – $5,758 million) and are included above.

Investment securities

Investment securities	9 Months Ended
	Jul. 31, 2024
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Investment securities	7. Investment securities The following table presents the carrying amounts of the Bank’s investment securities per measurement category.   As at ($ millions) July 31 April 30 October 31 Debt investment securities measured at FVOCI $ 116,696 $ 108,947 $ 82,150 Debt investment securities measured at amortized cost 31,116 32,045 31,984 Equity investment securities designated at FVOCI 1,877 1,752 2,164 Equity investment securities measured at FVTPL 2,040 1,986 1,888 Debt investment securities measured at FVTPL 47 54 51 Total investment securities $ 151,776 $   144,784 $   118,237 (a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) As at July 31, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 20,836 $    186 $     163 $ 20,859 Canadian provincial and municipal debt 16,476 207 214 16,469 U.S. treasury and other U.S. agency debt 46,017 292 1,049 45,260 Other foreign government debt 31,014 169 473 30,710 Other debt 3,414 28 44 3,398 Total $  117,757 $  882 $  1,943 $  116,696 As at April 30, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 18,504 $ 9 $ 341 $ 18,172 Canadian provincial and municipal debt 14,933 12 462 14,483 U.S. treasury and other U.S. agency debt 45,728 16 1,805 43,939 Other foreign government debt 29,756 106 693 29,169 Other debt 3,244 4 64 3,184 Total $  112,165 $  147 $  3,365 $  108,947 As at October 31, 2023 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 12,794 $ 6 $ 413 $ 12,387 Canadian provincial and municipal debt 7,680 2 536 7,146 U.S. treasury and other U.S. agency debt 30,741 32 2,075 28,698 Other foreign government debt 32,246 91 936 31,401 Other debt 2,597 2 81 2,518 Total $   86,058 $  133 $  4,041 $   82,150 (b) Debt investment securities measured at amortized cost As at July 31, 2024 April 30, 2024 October 31, 2023 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 9,621 $ 9,672 $ 9,538 $ 9,724 $ 9,927 $ 10,211 U.S. treasury and other U.S. agency debt 18,126 19,154 18,409 19,812 17,912 19,788 Other foreign government debt 2,088 2,089 2,307 2,316 1,860 1,871 Corporate debt 211 201 198 193 117 114 Total $  30,046 $  31,116 $  30,452 $  32,045 $  29,816 $  31,984 (1) Balances are net of allowances, which are $1 (April 30, 2024 – $1; October 31, 2023 – $1). (c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) As at July 31, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 1,375 $ 574 $ 72 $ 1,877 Total $ 1,375 $ 574 $ 72 $ 1,877 As at April 30, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 1,375 $ 461 $ 84 $ 1,752 Total $ 1,375 $ 461 $ 84 $ 1,752 As at October 31, 2023 ($ millions) Cost Gross Gross Fair value Common shares $ 1,947 $ 390 $ 173 $ 2,164 Total $  1,947 $  390 $  173 $  2,164 Dividend income earned on equity securities designated at FVOCI of $21 million for the three months ended July 31, 2024 (April 30, 2024 – $33 million; July 31, 2023 – $37 million) and for the nine months ended July 31, 2024 – $101 million (July 31, 2023 – $112 million) has been recognized in interest income. During the three months ended July 31, 2024, the Bank has disposed of certain equity securities designated at FVOCI with a fair value of $ million (April 30, 2024 – $ million; July 31, 2023 – $ million) and for the nine months ended July 31, 2024 – $ million (July 31, 2023 – $ million). This has resulted in a realized gain of $ million in the three months ended July 31, 2024 (April 30, 2024 – realized gain of $ million; July 31, 2023 – realized loss of $ million) and for the nine months ended July 31, 2024 – realized gain of $ million (July 31, 2023 – realized loss of $ million).

Loans, impaired loans and allow

Loans, impaired loans and allowance for credit losses	9 Months Ended
	Jul. 31, 2024
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Loans, impaired loans and allowance for credit losses	8. Loans, impaired loans and allowance for credit losses (a) Loans at amortized cost As at July 31, 2024 ($ millions) Gross Allowance Net Residential mortgages $ 348,631 $ 1,210 $ 347,421 Personal loans 106,543 2,372 104,171 Credit cards 17,646 1,190 16,456 Business and government 292,973 1,810 291,163 Total $ 765,793 $ 6,582 $ 759,211 As at   April 30, 2024 October 31, 2023 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 344,168 $ 1,188 $ 342,980 $ 344,182 $ 1,084 $ 343,098 Personal loans 105,528 2,340 103,188 104,170 2,414 101,756 Credit cards 17,579 1,239 16,340 17,109 1,237 15,872 Business and government 292,758 1,740 291,018 291,822 1,637 290,185 Total $  760,033 $  6,507 $  753,526 $  757,283 $  6,372 $  750,911 (b) Impaired loans (1) As at July 31, 2024 ($ millions) Gross Allowance Net Residential mortgages $ 2,197 $ 593 $ 1,604 Personal loans 1,139 659 480 Credit cards – – – Business and government 3,153 788 2,365 Total $ 6,489 $ 2,040 $ 4,449 By geography: Canada $ 1,868 $ 552 $ 1,316 United States 6 1 5 Mexico 1,369 399 970 Peru 733 394 339 Chile 1,300 292 1,008 Colombia 364 142 222 Other international 849 260 589 Total $ 6,489 $ 2,040 $ 4,449 As at   April 30, 2024 October 31, 2023 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 2,178 $ 580 $ 1,598 $ 1,864 $ 498 $ 1,366 Personal loans 1,175 656 519 1,176 664 512 Credit cards – – – – – – Business and government 3,046 764 2,282 2,686 719 1,967 Total $ 6,399 $ 2,000 $ 4,399 $ 5,726 $ 1,881 $ 3,845 By geography: Canada $ 1,774 $ 533 $ 1,241 $ 1,564 $ 514 $ 1,050 United States 6 1 5 – – – Mexico 1,370 401 969 1,183 372 811 Peru 734 389 345 691 372 319 Chile 1,258 283 975 1,098 264 834 Colombia 401 135 266 356 97 259 Other international 856 258 598 834 262 572 Total $  6,399 $  2,000 $  4,399 $  5,726 $  1,881 $  3,845 (1) Interest income recognized on impaired loans during the three months ended July 31, 2024 was $22 (April 30, 2024 – $22; October 31, 2023 – $15). (c) Allowance for credit losses (i) 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 a set 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, interest rates, and house price indices, which are 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. The Bank determines its allowance for credit losses using four probability-weighted forward-looking scenarios (base case, optimistic, pessimistic and very pessimistic). 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 base case and alternative scenarios is overseen by a governance committee that consists of internal stakeholders from across the Bank. The final base case and alternative scenarios reflect significant review and oversight, and incorporate judgement both in the determination of the scenarios’ forecasts and the probability weights that are assigned to them. (ii) Key macroeconomic variables The inputs and models used for calculating expected credit losses may not always capture all characteristics of the market at the date of the financial statements. Qualitative adjustments or overlays may be made for certain portfolios or geographies as temporary adjustments in circumstances where, in the Bank’s view, the inputs, assumptions, and/or modelling techniques do not capture all relevant risk factors, including the emergence of economic or geopolitical events up to the date of financial statements. The Bank has applied expert credit judgement in the determination of the allowance for credit losses to capture, as described above, all relevant risk factors up to the end of the reporting period. The Bank considered both quantitative and qualitative information in the assessment of significant increase in credit risk. The base case scenario assumes weaker economic growth in both Canada and the U.S. in 2024 relative to last quarter’s baseline; however in subsequent forecasted quarters, Canada’s growth returns to levels similar to prior forecast and the U.S. slightly exceeds the prior expectation. This lowered performance expectation in both economies in the near term reflects weaker than expected published data for the first (calendar) quarter of 2024 in both economies. Economic growth is expected to strengthen in Canada in the second half of 2024 as slowing effects from past policy rate hikes are waning and housing activity picks up. The Bank expects the Bank of Canada to continue reducing its policy rate through the end of 2025, while the U.S. central bank is expected to start reducing its policy rate in the third quarter of this year. The optimistic scenario features somewhat stronger economic activity relative to the base case. The pessimistic scenario is based on weaker global and domestic demand, deteriorating private sector financial conditions and confidence. These are reducing economic activity and inflation worldwide from the base case scenario, requiring central banks to reduce their monetary policy rates to mitigate the decline in economic activity and prevent inflation from falling below targeted ranges. This scenario is based on the banking sector turmoil in the U.S. and Europe in the spring of 2023. Lastly, the very pessimistic scenario features a strong stagflationary impulse that leads to a protracted period of financial market uncertainty. This results in higher inflation, requiring central banks to raise their policy rate to higher levels than in the base case to bring inflation under control. The following tables show certain key macroeconomic variables used to calculate the modelled estimate for the allowance for credit losses. Further changes in these variables up to the date of the financial statements is incorporated through expert credit judgement. For the base case, optimistic and pessimistic scenarios, the projections are provided for the next 12 months and for the remaining forecast period, which represents a medium-term view. Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at July 31, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.9 2.2 2.8 3.2 -1.8 3.0 -4.4 3.5 Consumer price index, y/y % 2.4 1.9 2.5 2.3 1.6 1.6 5.9 2.1 Unemployment rate, average % 6.4 6.1 6.1 5.0 8.2 7.0 10.6 7.4 Bank of Canada overnight rate target, average % 3.9 2.9 4.0 3.6 3.4 2.1 4.8 3.5 HPI - Housing Price Index, y/y % change 0.8 3.5 1.9 4.7 -4.9 4.3 -6.5 3.5 USD/CAD exchange rate, average 1.35 1.29 1.34 1.28 1.46 1.27 1.51 1.29 U.S. Real GDP growth, y/y % change 1.7 2.2 2.4 3.1 -1.8 3.1 -3.9 3.4 Consumer price index, y/y % 2.8 2.2 3.0 2.6 1.7 1.9 6.6 2.4 Target federal funds rate, upper limit, average % 4.7 3.0 4.8 3.7 4.1 1.8 5.6 3.6 Unemployment rate, average % 4.1 4.2 3.9 3.8 5.8 4.8 7.7 5.1 Mexico Real GDP growth, y/y % change 2.1 1.9 2.6 2.7 -0.2 2.5 -2.1 3.1 Unemployment rate, average % 3.3 3.8 3.2 3.3 4.2 4.0 6.2 4.8 Chile Real GDP growth, y/y % change 3.2 2.1 5.0 3.0 0.0 2.9 -3.5 3.7 Unemployment rate, average % 7.9 6.5 7.4 5.8 9.5 6.8 11.4 7.2 Peru Real GDP growth, y/y % change 2.6 3.2 3.5 4.7 1.7 3.6 -0.1 4.1 Unemployment rate, average % 7.1 6.9 6.6 4.9 8.6 7.3 12.2 8.9 Colombia Real GDP growth, y/y % change 1.8 2.8 3.3 4.3 0.9 3.2 -0.9 3.7 Unemployment rate, average % 11.1 10.3 10.4 7.8 13.3 10.9 19.1 13.4 Caribbean Real GDP growth, y/y % change 3.7 3.8 4.2 4.5 2.8 4.2 1.0 4.7 Global WTI oil price, average USD/bbl 79 69 84 85 64 60 58 58 Copper price, average USD/lb 4.91 5.10 5.09 5.70 4.39 4.93 4.25 4.84 Global GDP, y/y % change 3.3 2.5 4.3 3.4 0.3 3.2 -1.6 3.6 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at April 30, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.7 2.1 2.8 3.3 -2.0 2.9 -4.6 3.4 Consumer price index, y/y % 2.5 1.8 2.7 2.3 1.8 1.5 6.4 2.0 Unemployment rate, average % 6.4 6.1 5.9 4.7 8.1 7.0 10.5 7.4 Bank of Canada overnight rate target, average % 4.4 2.6 4.6 3.5 3.9 1.9 5.5 3.2 HPI - Housing Price Index, y/y % change -0.7 4.0 0.0 5.4 -6.4 4.7 -8.0 3.9 USD/CAD exchange rate, average 1.34 1.29 1.34 1.28 1.44 1.27 1.50 1.30 U.S. Real GDP growth, y/y % change 2.0 2.2 2.9 3.1 -1.5 3.1 -3.6 3.4 Consumer price index, y/y % 3.1 2.2 3.3 2.7 2.0 1.8 7.0 2.4 Target federal funds rate, upper limit, average % 5.1 2.7 5.4 3.8 4.4 1.6 6.0 3.2 Unemployment rate, average % 3.9 4.4 3.7 3.9 5.5 5.0 7.3 5.3 Mexico Real GDP growth, y/y % change 2.5 1.8 3.5 3.0 0.7 2.4 -2.3 3.0 Unemployment rate, average % 3.2 3.8 2.9 2.7 4.0 3.9 6.1 4.8 Chile Real GDP growth, y/y % change 2.9 2.5 5.3 4.2 -0.2 3.3 -2.8 3.9 Unemployment rate, average % 7.8 6.8 7.2 5.6 9.6 7.1 11.5 7.5 Peru Real GDP growth, y/y % change 2.7 3.0 3.7 4.2 1.3 3.4 -1.0 3.8 Unemployment rate, average % 6.4 6.8 5.9 5.1 7.7 7.2 11.2 8.7 Colombia Real GDP growth, y/y % change 1.6 2.9 2.9 4.2 0.2 3.4 -2.1 3.9 Unemployment rate, average % 10.7 10.2 10.0 8.2 12.9 10.7 18.8 13.2 Caribbean Real GDP growth, y/y % change 3.8 3.8 4.8 5.0 2.5 4.2 0.1 4.7 Global WTI oil price, average USD/bbl 80 70 85 87 65 62 58 60 Copper price, average USD/lb 4.16 5.11 4.31 5.75 3.81 4.97 3.64 4.90 Global GDP, y/y % change 2.58 2.72 3.62 3.75 -0.38 3.42 -2.25 3.83 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at October 31, 2023 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 0.7 2.9 1.3 4.2 -2.2 3.5 -4.3 3.9 Consumer price index, y/y % 2.8 2.0 2.8 2.5 1.8 1.6 6.4 2.2 Unemployment rate, average % 6.0 5.7 5.7 4.2 7.6 6.3 9.7 6.6 Bank of Canada overnight rate target, average % 4.8 2.6 4.8 3.5 3.6 1.4 5.8 3.3 HPI - Housing Price Index, y/y % change -1.9 1.4 -1.4 2.9 -5.5 2.2 -6.8 1.5 USD/CAD exchange rate, average 1.27 1.24 1.27 1.22 1.41 1.26 1.47 1.28 U.S. Real GDP growth, y/y % change 1.0 1.9 1.5 2.7 -2.0 2.7 -3.8 3.0 Consumer price index, y/y % 3.2 2.2 3.5 2.6 1.9 1.8 7.0 2.5 Target federal funds rate, upper limit, average % 5.3 2.5 5.4 3.4 4.2 0.8 6.3 3.1 Unemployment rate, average % 4.1 4.5 3.9 4.1 5.6 5.0 7.2 5.2 Mexico Real GDP growth, y/y % change 1.7 2.2 2.6 3.3 -0.2 2.7 -2.8 3.2 Unemployment rate, average % 3.7 3.9 3.6 3.2 4.7 4.1 6.8 4.9 Chile Real GDP growth, y/y % change 1.3 2.9 2.8 4.6 -0.9 3.5 -3.1 4.1 Unemployment rate, average % 8.5 7.0 8.2 6.3 9.6 7.3 11.3 7.6 Peru Real GDP growth, y/y % change 1.9 2.7 2.7 3.9 0.8 3.1 -1.4 3.6 Unemployment rate, average % 6.9 7.0 6.2 5.1 8.3 7.3 11.6 8.8 Colombia Real GDP growth, y/y % change 2.4 3.0 3.7 4.3 1.4 3.4 -0.9 3.9 Unemployment rate, average % 9.2 9.9 8.6 7.9 11.1 10.3 15.6 12.3 Caribbean Real GDP growth, y/y % change 3.8 3.8 4.5 4.9 2.8 4.2 0.5 4.7 Global WTI oil price, average USD/bbl 78 66 84 82 68 63 62 61 Copper price, average USD/lb 3.97 5.01 4.11 5.65 3.70 4.89 3.56 4.83 Global GDP, y/y % change 2.75 2.45 3.62 3.48 0.10 3.10 -1.48 3.45 (iii) Sensitivity Relative to the base case scenario, the weighting of these multiple scenarios increased the reported allowance for credit losses for financial assets in Stage 1 and Stage 2 to $4,784 million (April 30, 2024 – $4,734 million; October 31, 2023 – $4,719 million) from $4,400 million (April 30, 2024 – $4,534 million; October 31, 2023 – $4,510 million). The Bank enhanced its IFRS 9 models in the current quarter, with the enhanced models exhibiting higher sensitivity to changes in the macroeconomic outlook. If the Bank was to apply a weighted average of its two pessimistic scenarios for the measurement of allowance for credit losses for such assets, the allowance for credit losses on performing financial instruments would be $987 million higher than the reported allowance for credit losses as at July 31, 2024 (April 30, 2024 – $539 million and October 31, 2023 – $436 million), excluding the consideration of changes in qualitative overlays or expert credit judgement. Actual results will differ as this does not consider the migration of exposures or incorporate changes that would occur in the portfolio due to risk mitigation actions and other factors. Under the current probability-weighted scenarios, if all performing financial assets were in Stage 1, reflecting a 12-month (iv) Allowance for credit losses Allowance for credit losses ($ millions) Balance as at Provision for (1) Net write-offs Other, including Balance as at Residential mortgages $ 1,084 $ 214 $ (61 ) $ (27 ) $ 1,210 Personal loans 2,414 1,427 (1,375 ) (94 ) 2,372 Credit cards 1,237 822 (857 ) (12 ) 1,190 Business and government 1,876 568 (265 ) ( 106 ) 2,073 $  6,611 $  3,031 $ (2,558 ) $ (239 ) $  6,845 Presented as: Allowance for credit losses on loans $ 6,372 $ 6,582 Allowance for credit losses on acceptances (2) 90 48 Allowance for credit losses on off-balance (3) 149 215 (1) Excludes amounts associated with other assets and reversal of impairment losses of $(10). The provision for credit losses, net of these amounts, is $3,021. (2) Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. (3) Allowance for credit losses on off-balance ($ millions) Balance as at Provision for (1) Net write-offs Other, including Balance as at Residential mortgages $ 899 $ 99 $ (52 ) $ 63 $ 1,009 Personal loans 2,137 907 (844 ) 91 2,291 Credit cards 1,083 701 (661 ) 53 1,176 Business and government 1,368 465 (214 ) (16 ) 1,603 $  5,487 $  2,172 $  (1,771 ) $  191 $  6,079 Presented as: Allowance for credit losses on loans $ 5,348 $ 5,893 Allowance for credit losses on acceptances (2) 31 53 Allowance for credit losses on off-balance (3) 108 133 (1) Excludes amounts associated with other assets and reversal of impairment losses of $(6). The provision for credit losses, net of these amounts, is $2,166. (2) Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. (3) Allowance for credit losses on off-balance Allowance for credit losses on loans As at July 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 201 $ 416 $ 593 $ 1,210 Personal loans 553 1,160 659 2,372 Credit cards 303 887 – 1,190 Business and government 589 433 788 1,810 Total (1) $ 1,646 $ 2,896 $ 2,040 $ 6,582 (1) Excludes allowance for credit losses of $278 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at October 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 265 $ 321 $ 498 $ 1,084 Personal loans 647 1,103 664 2,414 Credit cards 414 823 – 1,237 Business and government 535 383 719 1,637 Total (1) $  1,861 $  2,630 $  1,881 $  6,372 (1) Excludes allowance for credit losses of $257 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 222 $ 304 $ 483 $ 1,009 Personal loans 673 986 632 2,291 Credit cards 430 746 – 1,176 Business and government 398 314 705 1,417 Total (1) $  1,723 $  2,350 $  1,820 $  5,893 (1) Excludes allowance for credit losses of $201 for other financial assets including acceptances, investment securities, deposits with banks, off-balance The following table presents the changes to the allowance for credit losses on loans. As at and for the three months ended July 31, 2024 July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 259 $ 349 $ 580 $ 1,188 $ 220 $ 306 $ 455 $ 981 Provision for credit losses Remeasurement (1) (86 ) 89 83 86 (50 ) 21 70 41 Newly originated or purchased financial assets 12 – – 12 9 – – 9 Derecognition of financial assets and maturities (3 ) (6 ) – (9 ) (2 ) (4 ) – (6 ) Changes in models and methodologies (2) (22 ) 3 – (19 ) – – – – Transfer to (from): Stage 1 59 (44 ) (15 ) – 50 (38 ) (12 ) – Stage 2 (9 ) 51 (42 ) – (10 ) 38 (28 ) – Stage 3 – (20 ) 20 – – (18 ) 18 – Gross write-offs – – (23 ) (23 ) – – (28 ) (28 ) Recoveries – – 6 6 – – 6 6 Foreign exchange and other movements (9 ) (6 ) (16 ) (31 ) 5 (1 ) 2 6 Balance at end of period $ 201 $ 416 $ 593 $ 1,210 $ 222 $ 304 $ 483 $ 1,009 Personal loans Balance at beginning of period $ 626 $ 1,058 $ 656 $ 2,340 $ 677 $ 982 $ 608 $ 2,267 Provision for credit losses Remeasurement (1) (182 ) 284 378 480 (180 ) 229 255 304 Newly originated or purchased financial assets 89 – – 89 94 – – 94 Derecognition of financial assets and maturities (26 ) (54 ) – (80 ) (24 ) (45 ) – (69 ) Changes in models and methodologies (2) (68 ) 96 – 28 – – – – Transfer to (from): Stage 1 183 (178 ) (5 ) – 156 (153 ) (3 ) – Stage 2 (57 ) 90 (33 ) – (54 ) 77 (23 ) – Stage 3 (4 ) (128 ) 132 – (3 ) (103 ) 106 – Gross write-offs – – (551 ) (551 ) – – (381 ) (381 ) Recoveries – – 88 88 – – 65 65 Foreign exchange and other movements (8 ) (8 ) (6 ) (22 ) 7 (1 ) 5 11 Balance at end of period $ 553 $ 1,160 $ 659 $ 2,372 $ 673 $ 986 $ 632 $ 2,291 Credit cards Balance at beginning of period $ 357 $ 882 $ – $ 1,239 $ 425 $ 710 $ – $ 1,135 Provision for credit losses Remeasurement (1) (101 ) 161 214 274 (63 ) 152 193 282 Newly originated or purchased financial assets 31 – – 31 55 – – 55 Derecognition of financial assets and maturities (13 ) (15 ) – (28 ) (16 ) (23 ) – (39 ) Changes in models and methodologies (2) (38 ) 21 – (17 ) – – – – Transfer to (from): Stage 1 99 (99 ) – – 64 (64 ) – – Stage 2 (30 ) 30 – – (38 ) 38 – – Stage 3 – (95 ) 95 – – (65 ) 65 – Gross write-offs – – (359 ) (359 ) – – (310 ) (310 ) Recoveries – – 55 55 – – 50 50 Foreign exchange and other movements (2 ) 2 (5 ) (5 ) 3 (2 ) 2 3 Balance at end of period $ 303 $ 887 $ – $ 1,190 $ 430 $ 746 $ – $ 1,176 Total retail loans Balance at beginning of period $ 1,242 $ 2,289 $ 1,236 $ 4,767 $  1,322 $  1,998 $  1,063 $  4,383 Provision for credit losses Remeasurement (1) (369 ) 534 675 840 (293 ) 402 518 627 Newly originated or purchased financial assets 132 – – 132 158 – – 158 Derecognition of financial assets and maturities (42 ) (75 ) – (117 ) (42 ) (72 ) – (114 ) Changes in models and methodologies (2) (128 ) 120 – (8 ) – – – – Transfer to (from): Stage 1 341 (321 ) (20 ) – 270 (255 ) (15 ) – Stage 2 (96 ) 171 (75 ) – (102 ) 153 (51 ) – Stage 3 (4 ) (243 ) 247 – (3 ) (186 ) 189 – Gross write-offs – – (933 ) (933 ) – – (719 ) (719 ) Recoveries – – 149 149 – – 121 121 Foreign exchange and other movements (19 ) (12 ) (27 ) (58 ) 15 (4 ) 9 20 Balance at end of period $ 1,057 $ 2,463 $ 1,252 $ 4,772 $ 1,325 $ 2,036 $ 1,115 $ 4,476 Non-retail Business and government Balance at beginning of period $ 653 $ 447 $ 798 $ 1,898 $ 456 $ 322 $ 704 $ 1,482 Provision for credit losses Remeasurement (1) (146 ) 13 144 11 16 43 111 170 Newly originated or purchased financial assets 204 – – 204 103 – – 103 Derecognition of financial assets and maturities (187 ) (12 ) (4 ) (203 ) (87 ) (20 ) (14 ) (121 ) Changes in models and methodologies (2) 200 37 – 237 – – – – Transfer to (from): Stage 1 37 (37 ) – – 18 (18 ) – – Stage 2 (21 ) 22 (1 ) – (14 ) 16 (2 ) – Stage 3 – (4 ) 4 – – (2 ) 2 – Gross write-offs – – (93 ) (93 ) – – (81 ) (81 ) Recoveries – – 12 12 – – 23 23 Foreign exchange and other movements (2 ) (3 ) (36 ) (41 ) (4 ) 1 (23 ) (26 ) Balance at end of period including off-balance $ 738 $ 463 $ 824 $ 2,025 $ 488 $ 342 $ 720 $ 1,550 Less: Allowance for credit losses on off-balance (3) (149 ) (30 ) (36 ) (215 ) (90 ) (28 ) (15 ) (133 ) Balance at end of period (3) $ 589 $ 433 $ 788 $ 1,810 $ 398 $ 314 $ 705 $ 1,417 As at and for the nine months ended July 31, 2024 July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 265 $ 321 $ 498 $ 1,084 $ 197 $ 296 $ 406 $ 899 Provision for credit losses Remeasurement (1) (194 ) 155 263 224 (123 ) 38 176 91 Newly originated or purchased financial assets 32 – – 32 25 – – 25 Derecognition of financial assets and maturities (7 ) (16 ) – (23 ) (6 ) (11 ) – (17 ) Changes in models and methodologies (2) (22 ) 3 – (19 ) – – – – Transfer to (from): Stage 1 164 (124 ) (40 ) – 134 (101 ) (33 ) – Stage 2 (30 ) 148 (118 ) – (25 ) 108 (83 ) – Stage 3 – (62 ) 62 – – (44 ) 44 – Gross write-offs – – (77 ) (77 ) – – (71 ) (71 ) Recoveries – – 16 16 – – 19 19 Foreign exchange and other movements (7 ) (9 ) (11 ) (27 ) 20 18 25 63 Balance at end of period $ 201 $ 416 $ 593 $ 1,210 $ 222 $ 304 $ 483 $ 1,009 Personal loans Balance at beginning of period $ 647 $ 1,103 $ 664 $ 2,414 $ 665 $ 921 $ 551 $ 2,137 Provision for credit losses Remeasurement (1) (553 ) 759 1,134 1,340 (552 ) 695 676 819 Newly originated or purchased financial assets 279 – – 279 278 – – 278 Derecognition of financial assets and maturities (73 ) (147 ) – (220 ) (66 ) (124 ) – (190 ) Changes in models and methodologies (2) (68 ) 96 – 28 – – – – Transfer to (from): Stage 1 523 (512 ) (11 ) – 475 (465 ) (10 ) – Stage 2 (175 ) 259 (84 ) – (150 ) 212 (62 ) – Stage 3 (11 ) (381 ) 392 – (7 ) (285 ) 292 – Gross write-offs – – (1,591 ) (1,591 ) – – (1,023 ) (1,023 ) Recoveries – – 216 216 – – 179 179 Foreign exchange and other movements (16 ) (17 ) (61 ) (94 ) 30 32 29 91 Balance at end of period $ 553 $ 1,160 $ 659 $ 2,372 $ 673 $ 986 $ 632 $ 2,291 Credit cards Balance at beginning of period $ 414 $ 823 $ – $ 1,237 $ 436 $ 647 $ – $ 1,083 Provision for credit losses Remeasurement (1) (299 ) 503 610 814 (218 ) 413 467 662 Newly originated or purchased financial assets 111 – – 111 146 – – 146 Derecognition of financial assets and maturities (39 ) (47 ) – (86 ) (50 ) (57 ) – (107 ) Changes in models and methodologies (2) (38 ) 21 – (17 ) – – – – Transfer to (from): Stage 1 262 (262 ) – – 199 (199 ) – – Stage 2 (104 ) 104 – – (107 ) 107 – – Stage 3 – (244 ) 244 – – (188 ) 188 – Gross write-offs – – (1,002 ) (1,002 ) – – (820 ) (820 ) Recoveries – – 145 145 – – 159 159 Foreign exchange and other movements (4 ) (11 ) 3 (12 ) 24 23 6 53 Balance at end of period $ 303 $ 887 $ – $ 1,190 $ 430 $ 746 $ – $ 1,176 Total retail loans Balance at beginning of period $ 1,326 $ 2,247 $ 1,162 $ 4,735 $ 1,298 $ 1,864 $ 957 $ 4,119 Provision for credit losses Remeasurement (1) (1,046 ) 1,417 2,007 2,378 (893 ) 1,146 1,319 1,572 Newly originated or purchased financial assets 422 – – 422 449 – – 449 Derecognition of financial assets and maturities (119 ) (210 ) – (329 ) (122 ) (192 ) – (314 ) Changes in models and methodologies (2) (128 ) 120 – (8 ) – – – – Transfer to (from): Stage 1 949 (898 ) (51 ) – 808 (765 ) (43 ) – Stage 2 (309 ) 511 (202 ) – (282 ) 427 (145 ) – Stage 3 (11 ) (687 ) 698 – (7 ) (517 ) 524 – Gross write-offs – – (2,670 ) (2,670 ) – – (1,914 ) (1,914 ) Recoveries – – 377 377 – – 357 357 Foreign exchange and other movements (27 ) (37 ) (69 ) (133 ) 74 73 60 207 Balance at end of period $ 1,057 $ 2,463 $ 1,252 $ 4,772 $  1,325 $  2,036 $  1,115 $  4,476 Non-retail Business and government Balance at beginning of period $ 635 $ 403 $ 748 $ 1,786 $ 322 $ 320 $ 695 $ 1,337 Provision for credit losses Remeasurement (1) (195 ) 155 434 394 82 72 295 449 Newly originated or purchased financial assets 630 – – 630 294 – – 294 Derecognition of financial assets and maturities (569 ) (74 ) (8 ) (651 ) (241 ) (35 ) (26 ) (302 ) Changes in models and methodologies (2) 200 37 – 237 – – – – Transfer to (from): Stage 1 114 (114 ) – – 60 (60 ) – – Stage 2 (73 ) 76 (3 ) – (31 ) 38 (7 ) – Stage 3 – (12 ) 12 – – (4 ) 4 – Gross write-offs – – (313 ) (313 ) – – (258 ) (258 ) Recoveries – – 48 48 – – 44 44 Foreign exchange and other movements (4 ) (8 ) (94 ) (106 ) 2 11 (27 ) (14 ) Balance at end of period including off-balance $ 738 $ 463 $ 824 $ 2,025 $ 488 $ 342 $ 720 $ 1,550 Less: Allowance for credit losses on off-balance (3) (149 ) (30 ) (36 ) (215 ) (90 ) (28 ) (15 ) (133 ) Balance at end of period (3) $ 589 $ 433 $ 788 $ 1,810 $ 398 $ 314 $ 705 $ 1,417 (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, changes in expert credit judgement overlays, and changes due to drawdowns of undrawn commitments. (2) Includes changes due to enhanced IFRS 9 models to reflect previously established expert credit judgement overlays that are now incorporated in the model. (3) Allowance for credit losses on off-balance (d) Carrying value of exposures by risk rating Residential mortgages As at July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 206,661 $ 4,514 $ – $ 211,175 $ 202,322 $ 957 $ – $ 203,279 Low 76,911 5,049 – 81,960 88,909 877 – 89,786 Medium 19,294 2,371 – 21,665 19,758 1,385 – 21,143 High 2,546 5,169 – 7,715 3,424 3,428 – 6,852 Very high 12 2,687 – 2,699 63 2,242 – 2,305 Loans not graded (2) 19,496 1,724 – 21,220 17,792 1,161 – 18,953 Default – – 2,197 2,197 – – 1,864 1,864 Total $ 324,920 $ 21,514 $ 2,197 $ 348,631 $  332,268 $  10,050 $ 1,864 $  344,182 Allowance for credit losses 201 416 593 1,210 265 321 498 1,084 Carrying value $ 324,719 $ 21,098 $ 1,604 $ 347,421 $ 332,003 $ 9,729 $ 1,366 $ 343,098 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 30,881 $ – $ – $ 30,881 $ 29,849 $ 211 $ – $ 30,060 Low 20,927 12 – 20,939 27,594 558 – 28,152 Medium 12,977 46 – 13,023 8,725 599 – 9,324 High 10,565 4,585 – 15,150 8,369 3,529 – 11,898 Very high 88 2,614 – 2,702 125 2,177 – 2,302 Loans not graded (2) 20,760 1,949 – 22,709 19,427 1,831 – 21,258 Default – – 1,139 1,139 – – 1,176 1,176 Total $ 96,198 $ 9,206 $ 1,139 $ 106,543 $   94,089 $   8,905 $ 1,176 $  104,170 Allowance for credit losses 553 1,160 659 2,372 647 1,103 664 2,414 Carrying value $ 95,645 $ 8,046 $ 480 $ 104,171 $ 93,442 $ 7,802 $ 512 $ 101,756 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 2,436 $ 3 $ – $ 2,439 $ 1,989 $ 42 $ – $ 2,031 Low 3,184 27 – 3,211 3,329 89 – 3,418 Medium 4,380 62 – 4,442 4,262 116 – 4,378 High 3,159 1,740 – 4,899 3,239 1,310 – 4,549 Very high 33 961 – 994 38 820 – 858 Loans not graded (1) 1,093 568 – 1,661 1,290 585 – 1,875 Default – – – – – – – – Total $ 14,285 $ 3,361 $ – $ 17,646 $   14,147 $   2,962 $ – $   17,109 Allowance for credit losses 303 887 – 1,190 414 823 – 1,237 Carrying value $ 13,982 $ 2,474 $ – $ 16,456 $ 13,733 $ 2,139 $ – $ 15,872 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 113,637 $ 3 $ – $ 113,640 $ 104,488 $ 3 $      – $ 104,491 Low 17,982 25 – 18,007 20,037 1 – 20,038 Medium 8,101 25 – 8,126 8,518 11 – 8,529 High 3,551 503 – 4,054 3,814 421 – 4,235 Very high 55 275 – 330 68 296 – 364 Loans not graded (1) 12,139 2,430 – 14,569 9,522 1,894 – 11,416 Default – – – – – – – – Carrying value $ 155,465 $ 3,261 $ – $ 158,726 $  146,447 $   2,626 $ – $  149,073 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Total retail loans As at July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 353,615 $ 4,520 $ – $ 358,135 $ 338,648 $ 1,213 $ – $ 339,861 Low 119,004 5,113 – 124,117 139,869 1,525 – 141,394 Medium 44,752 2,504 – 47,256 41,263 2,111 – 43,374 High 19,821 11,997 – 31,818 18,846 8,688 – 27,534 Very high 188 6,537 – 6,725 294 5,535 – 5,829 Loans not graded (2) 53,488 6,671 – 60,159 48,031 5,471 – 53,502 Default – – 3,336 3,336 – – 3,040 3,040 Total $ 590,868 $ 37,342 $ 3,336 $ 631,546 $  586,951 $  24,543 $  3,040 $  614,534 Allowance for credit losses 1,057 2,463 1,252 4,772 1,326 2,247 1,162 4,735 Carrying value $ 589,811 $ 34,879 $ 2,084 $ 626,774 $ 585,625 $ 22,296 $ 1,878 $ 609,799 (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. Business and As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 148,265 $ 1,152 $ – $ 149,417 $ 160,148 $ 1,205 $ – $ 161,353 Non-investment grade 126,342 6,740 – 133,082 114,192 7,705 – 121,897 Watch list 24 4,617 – 4,641 28 3,340 – 3,368 Loans not graded (2) 2,657 23 – 2,680 2,500 18 – 2,518 Default – – 3,153 3,153 – – 2,686 2,686 Total $ 277,288 $ 12,532 $ 3,153 $ 292,973 $  276,868 $  12,268 $  2,686 $  291,822 Allowance for credit losses 589 433 788 1,810 535 383 719 1,637 Carrying value $ 276,699 $ 12,099 $ 2,365 $ 291,163 $ 276,333 $ 11,885 $ 1,967 $ 290,185 (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 government As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 235,061 $ 1,458 $ – $ 236,519 $ 240,044 $ 1,673 $ – $ 241,717 Non-investment 60,914 4,168 – 65,082 62,634 5,288 – 67,922 Watch list 3 1,189 – 1,192 1 1,103 – 1,104 Loans not graded (2) 5,246 – – 5,246 5,205 – – 5,205 Default – – 108 108 – – 109 109 Total $ 301,224 $ 6,815 $ 108 $ 308,147 $  307,884 $   8,064 $    109 $  316,057 Allowance for credit losses 149 30 36 215 100 20 29 149 Carrying value $ 301,075 $ 6,785 $ 72 $ 307,932 $ 307,784 $ 8,044 $ 80 $ 315,908 (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. Total non-retail As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 383,326 $ 2,610 $ – $ 385,936 $ 400,192 $ 2,878 $ – $ 403,070 Non-investment 187,256 10,908 – 198,164 176,826 12,993 – 189,819 Watch list 27 5,806 – 5,833 29 4,443 – 4,472 Loans not graded (2) 7,903 23 – 7,926 7,705 18 – 7,723 Default – – 3,261 3,261 – – 2,795 2,795 Total $ 578,512 $ 19,347 $ 3,261 $ 601,120 $  584,752 $  20,332 $  2,795 $  607,879 Allowance for credit losses 738 463 824 2,025 635 403 748 1,786 Carrying value $ 577,774 $ 18,884 $ 2,437 $ 599,095 $ 584,117 $ 19,929 $ 2,047 $ 606,093 (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 in

Derecognition of financial asse

Derecognition of financial assets	9 Months Ended
	Jul. 31, 2024
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 and 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. The Trust issues securities to third-party investors. The CMHC also purchased insured mortgage pools from the Bank under the Insured Mortgage Purchase Program (IMPP). The sale of mortgages under the above programs do 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) July 31 (1) April 30 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 11,442 $ 11,564 $ 13,508 Other related assets (2) 7,592 8,032 8,600 Liabilities Carrying value of associated liabilities $ 18,307 $  19,183 $  20,222 (1) The fair value of the transferred assets is $18,697 (April 30, 2024 – $19,068 and October 31, 2023 – $20,264) and the fair value of the associated liabilities is $17,985 (April 30, 2024 – $18,430 and October 31, 2023 – $19,265) for a net position of $712 (2) These include cash held in trust and trust-permitted investment assets, including repurchase-type transactions of mortgage-backed securities, included in the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. Securitization of credit card loans The Bank securitizes a portion of its Canadian credit card receivables through a consolidated structured entity. These receivables continue to be recognized on the Consolidated Statement of Financial Position as credit card loans. During the quarter, the Bank did not enter into any new securitization arrangements. Securities sold under repurchase agreements and securities lent The Bank enters into transactions, such as repurchase agreements and securities lending agreements, where the Bank transfers assets under agreements to repurchase them on a future date and retains all the substantial risks and rewards associated with the assets. The transferred securities remain on the Consolidated Statement of Financial Position. The following table provides the carrying amount of the transferred assets and the associated liabilities:   As at ($ millions) July 31 (1) April 30 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 158,912 $ 152,118 $ 140,296 Securities lending agreements 54,636 55,105 56,174 Total 213,548 207,223 196,470 Carrying value of associated liabilities (3) $ 178,595 $  173,602 $  160,007 (1) The fair value of transferred assets is $213,548 (April 30, 2024 – $207,223 and October 31, 2023 – $196,470) and the fair value of the associated liabilities is $178,595 (April 30, 2024 – $173,602 and October 31, 2023 – $160,007) for a net position of $34,953 (April 30, 2024 – $33,621 and October 31, 2023 – $36,463). (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	9 Months Ended
	Jul. 31, 2024
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 July 31 April 30 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying Carrying Bank of Xi’an Co. Ltd. (2) China Banking 18.11 % June 30, 2024 $ 957 $  938 $  895 Maduro & Curiel’s Bank N.V. (3) Curacao Banking 48.10 % June 30, 2024 511 498 489 (1) Represents the date of the most recent financial statements made available to the Bank by the associates’ management. (2) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $511 (3) 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 July 31, 2024, these reserves amounted to $73

Deposits

Deposits	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Deposits	11. Deposits As at July 31, 2024 April 30 October 31 Payable on demand (1) Payable after (2) ($ millions) Interest- Non-interest- Payable on a (3) Total Total Total Personal $ 5,193 $ 10,364 $ 142,879 $ 138,314 $ 296,750 $ 292,117 $ 288,617 Business and government 181,077 31,874 56,354 337,659 606,964 605,457 612,267 Financial institutions 10,294 650 2,258 32,285 45,487 44,454 51,449 $ 196,564 $ 42,888 $ 201,491 (4) $ 508,258 $ 949,201 $ 942,028 $ 952,333 Recorded in: Canada $ 145,486 $ 22,844 $ 163,534 $ 359,335 $ 691,199 $  680,489 $  679,196 United States 41,391 36 72 48,664 90,163 90,399 96,807 United Kingdom – – 180 21,996 22,176 22,835 21,562 Mexico 7 7,153 14,665 19,120 40,945 43,303 41,424 Peru 4,450 122 5,676 6,251 16,499 16,268 15,860 Chile 1,557 4,889 146 17,028 23,620 23,327 23,724 Colombia 31 525 4,023 4,670 9,249 10,018 9,580 Other International 3,642 7,319 13,195 31,194 55,350 55,389 64,180 Total (5) $ 196,564 $ 42,888 $ 201,491 $ 508,258 $ 949,201 $ 942,028 $ 952,333 (1) Deposits payable on demand include all deposits for which the Bank does not have the right to notice of withdrawal, generally chequing accounts. (2) Deposits payable after notice include all deposits for which the Bank requires 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 $122 (April 30, 2024 – $120; October 31, 2023 – $123) of non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926). 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 five Over Total As at July 31, 2024 $ 62,926 $ 38,797 $ 66,988 $ 111,838 $ 20,235 $ 300,784 As at April 30, 2024 $ 65,328 $ 34,442 $ 65,985 $ 118,006 $ 17,999 $ 301,760 As at October 31, 2023 $  66,726 $  39,525 $  62,675 $  130,384 $  19,021 $  318,331 (1) The majority of foreign term deposits are in excess of $100,000.

Capital and financing transacti

Capital and financing transactions	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Capital and financing transactions	12. Capital and financing transactions Common shares For the three months ended July 31, 2024 July 31, 2023 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,229,569,597 $ 21,066 1,198,174,512 $ 19,160 Issued in relation to share-based payments, net 18,688 2 6,252 1 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) 7,750,463 481 7,152,387 466 Outstanding at end of period 1,237,338,748 $  21,549 1,205,333,151 $  19,627 For the nine months ended July 31, 2024 July 31, 2023 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,214,044,420 $ 20,109 1,191,375,095 $ 18,707 Issued in relation to share-based payments, net 133,766 9 404,655 27 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) 23,160,562 1,431 13,553,401 893 Outstanding at end of period 1,237,338,748 $  21,549 1,205,333,151 $  19,627 (1) Commencing with the dividend declared on February 28, 2023 and paid on April 26, 2023, the Bank issued to participants of the Shareholder Dividend and Share Purchase Plan (the Plan), common shares from treasury with a discount of 2% to the average market price (as defined in the Plan). Prior to the dividend paid on April 26, 2023, common shares received by participants under the Plan were shares purchased from the open market at prevailing market prices. Further, effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank will suspend the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and will discontinue issuances of common shares from treasury under the Plan. Effective November 1, 2024, and until such time as the Bank elects otherwise, purchases of common shares under the Plan will be made i Subordinated debentures Issuance On June 18, 2024, the Bank issued $1.0 billion 4.95% Subordinated Debentures due August 1, 2034 (Non-Viability Contingent Capital (NVCC)). Interest on such Debentures at the rate of 4.95% per annum will be payable in equal (subject to a long first coupon) semi-annual payments in arrears on February 1 and August 1 in each year, commencing February 1, 2025, and continuing until August 1, 2029, and thereafter payable quarterly to, but excluding, August 1, 2034, at Daily Compounded CORRA plus 1.55%. The initial interest payment (long first coupon), payable on February 1, 2025, will be $30.71712329 per $1,000 Redemption On July 3, 2024, the Bank redeemed all outstanding $1.5 b

Capital management

Capital management	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Capital management	13. Capital management The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: As at ($ millions) July 31 April 30 2024 October 31 Revised Revised Revised Capital (1)(2) Common Equity Tier 1 capital $ 60,432 $ 59,403 $ 57,041 Net Tier 1 capital 69,299 68,282 65,223 Total regulatory capital 77,411 76,789 75,651 Total loss absorbing capacity (TLAC) (3) 131,832 129,939 134,504 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1)(2)(4) $  453,658 $ 450,191 $ 440,017 Leverage exposures (5) $ 1,556,455  1,555,486  1,562,963 Regulatory ratios (1)(2) Common Equity Tier 1 capital ratio 13.3 % 13.2 % 13.0 % Tier 1 capital ratio 15.3 % 15.2 % 14.8 % Total capital ratio 17.1 % 17.1 % 17.2 % Total loss absorbing capacity ratio (3) 29.1 % 28.9 % 30.6 % Leverage ratio (5) 4.5 % 4.4 % 4.2 % Total loss absorbing capacity leverage ratio (3) 8.5 % 8.4 % 8.6 % (1) Regulatory ratios and amounts reported are under Revised Basel III requirements. (2) Commencing Q1 2024, regulatory capital ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). The prior year regulatory capital ratios were based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (February 2023). (3) This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). (4) As at July 31, 2024, the Bank did not have a regulatory capital floor add-on ( and add-on (5) The leverage ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023). The Bank substantially exceeded the OSFI minimum regulatory capital and TLAC ratios as at July 31, 2024, including the Domestic Stability Buffer requirement. In addition, the Bank substantially exceeded OSFI minimum leverage and TLAC leverage ratios as at July 31, 2024.

Share-based payments

Share-based payments	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Share-based payments	14. Share-based payments In Q1 2024, the Bank granted 2,675,932 options with an exercise price of $59.99 per option and a weighted average fair value of $7.67 to select 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 $1 million

Employee benefits

Employee benefits	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
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) July 31 April 30 July 31 July 31 April 30 July 31 Defined benefit service cost $ 51 $ 51 $ 55 $ 5 $ 4 $ 5 Interest on net defined benefit (asset) liability (8 ) (7 ) (8 ) 16 17 15 Other 3 3 3 2 (1 ) (2 ) Defined benefit expense $ 46 $ 47 $ 50 $ 23 $ 20 $ 18 Defined contribution expense $ 46 $ 45 $ 40 $ – $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $  138 $   264 $  200 $  (18 ) $   25 $   45 For the nine months ended Pension plans Other benefit plans ($ millions) July 31 July 31 July 31 July 31 Defined benefit service cost $ 154 $ 165 $ 14 $ 15 Interest on net defined benefit (asset) liability (23 ) (25 ) 51 48 Other 9 9 4 – Defined benefit expense $ 140 $ 149 $ 69 $ 63 Defined contribution expense $ 137 $ 117 $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $    (70 ) $   (192 ) $    (51 ) $   (7 ) (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	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
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 Wealth Management and Global Banking and Markets. 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 2023 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 For the three months ended July 31, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $ 2,752 $ 2,231 $ 245 $ 392 $ (758 ) $ 4,862 Non-interest (5)(6) 728 776 1,228 961 (191 ) 3,502 Total revenues 3,480 3,007 1,473 1,353 (949 ) 8,364 Provision for credit losses 435 589 10 18 – 1,052 Depreciation and amortization 145 142 48 68 25 428 Other non-interest 1,381 1,395 867 727 151 4,521 Provision for income taxes 409 177 137 122 (394 ) 451 Net income $ 1,110 $ 704 $ 411 $ 418 $ (731 ) $ 1,912 Net income attributable to non-controlling $ – $ 35 $ 3 $ – $ (2 ) $ 36 Net income attributable to equity holders of the Bank $ 1,110 $ 669 $ 408 $ 418 $ (729 ) $ 1,876 Average assets ($ billions) $ 451 $ 234 $ 36 $ 493 $ 209 $ 1,423 Average liabilities ($ billions) $     389 $     180 $     40 $     476 $    256 $   1,341 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for International Banking – $66, Global Wealth Management – $5, and Other – $(17). For the three months ended April 30, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   2,634 $   2,261 $ 225 $ 331 $ (757 ) $  4,694 Non-interest (5)(6) 702 731   1,189 990 41 3,653 Total revenues 3,336 2,992 1,414   1,321 (716 ) 8,347 Provision for credit losses 428 566 7 5 1 1,007 Depreciation and amortization 143 142 47 62 16 410 Other non-interest 1,375 1,395 848 719 (36 ) 4,301 Provision for income taxes 382 194 130 107 (276 ) 537 Net income $ 1,008 $ 695 $ 382 $ 428 $   (421 ) $ 2,092 Net income attributable to non-controlling $ – $ 24 $ 2 $ – $ – $ 26 Net income attributable to equity holders of the Bank $ 1,008 $ 671 $ 380 $ 428 $ (421 ) $ 2,066 Average assets ($ billions) $ 445 $ 235 $ 35 $ 494 $ 202 $ 1,411 Average liabilities ($ billions) $ 389 $ 183 $ 41 $ 470 $ 247 $ 1,330 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $57, Global Wealth Management – $5, and Other – $2. For the three months ended July 31, 2023 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   2,469 $  2,110 $  207 $  337 $  (550 ) $  4,573 Non-interest income (5)(6) 735 725  1,129  1,006 (101 ) 3,494 Total revenues 3,204 2,835 1,336 1,343 (651 ) 8,067 Provision for credit losses 307 516 2 (6 ) – 819 Depreciation and amortization 145 142 44 56 25 412 Other non-interest 1,303 1,346 799 702 (3 ) 4,147 Provision for income taxes 399 192 123 157 (374 ) 497 Net income $ 1,050 $ 639 $ 368 $ 434 $ (299 ) $ 2,192 Net income attributable to non-controlling interests in $ – $ 18 $ 2 $ – $ – $ 20 Net income attributable to equity holders of the Bank $ 1,050 $ 621 $ 366 $ 434 $ (299 ) $ 2,172 Average assets ($ billions) $ 450 $ 241 $ 34 $ 493 $ 184 $ 1,402 Average liabilities ($ billions) $ 376 $ 184 $ 40 $ 450 $ 274 $ 1,324 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $119 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $8, International Banking – $62, Global Wealth Management – $5, and Other – $(20). For the nine months ended July 31, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $  8,039 $  6,738 $ 691 $ 1,077 $  (2,216 ) $ 14,329 Non-interest income (5)(6) 2,164 2,364  3,561  2,976 (250 ) 10,815 Total revenues 10,203 9,102 4,252 4,053 (2,466 )  25,144 Provision for credit losses 1,241 1,729 22 28 1 3,021 Depreciation and amortization 435 427 142 192 63 1,259 Other non-interest expenses 4,107 4,218 2,530 2,185 100 13,140 Provision for income taxes 1,207 561 394 363 (1,004 ) 1,521 Net income $ 3,213 $ 2,167 $ 1,164 $ 1,285 $ (1,626 ) $ 6,203 Net income attributable to non-controlling interests in subsidiaries $ – $ 81 $ 8 $ – $ (2 ) $ 87 Net income attributable to equity holders of the Bank $ 3,213 $ 2,086 $ 1,156 $ 1,285 $ (1,624 ) $ 6,116 Average assets ($ billions) $ 447 $ 235 $ 35 $ 497 $ 205 $ 1,419 Average liabilities ($ billions) $ 390 $ 182 $ 40 $ 474 $ 253 $ 1,339 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market property, which resulted in a lower TEB gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $53 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $183, Global Wealth Management – $14, and Other – $(33). For the nine months ended July 31, 2023 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   7,198 $   6,001 $ 629 $   1,175 $   (1,407 ) $   13,596 Non-interest income (5)(6) 2,297 2,260   3,330 3,023 (564 ) 10,346 Total revenues 9,495 8,261 3,959 4,198 (1,971 ) 23,942 Provision for credit losses 743 1,356 5 62 – 2,166 Depreciation and amortization 436 423 133 163 75 1,230 Other non-interest expenses 3,917 3,976 2,330 2,120 21 12,364 Provision for income taxes 1,208 531 380 499 (532 ) 2,086 Net income $ 3,191 $ 1,975 $ 1,111 $ 1,354 $ (1,535 ) $ 6,096 Net income attributable to non-controlling interests in subsidiaries $ – $ 74 $ 7 $ – $ – $ 81 Net income attributable to equity holders of the Bank $ 3,191 $ 1,901 $ 1,104 $ 1,354 $ (1,535 ) $ 6,015 Average assets ($ billions) $ 450 $ 236 $ 34 $ 487 $ 184 $ 1,391 Average liabilities ($ billions) $ 367 $ 178 $ 41 $ 450 $ 278 $ 1,314 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $358 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $48, International Banking – $194, Global Wealth Management – $13, and Other – $(120).

Interest income and expense

Interest income and expense	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Interest income and expense	17. Interest income and expense For the three months ended For the nine months ended July 31, 2024 (1) April 30, 2024 (1) July 31, 2023 (1) July 31, 2024 (1) July 31, 2023 (1) ($ millions) Interest Interest Interest Interest Interest Interest Interest Interest Interest Interest Measured at amortized cost (2) $ 13,657 $ 10,763 $  13,321 $  10,452 $  13,124 $ 10,058 $ 40,517 $ 31,829 $ 37,484 $ 27,960 Measured at FVOCI (2) 1,573 – 1,455 – 1,003 – 4,387 – 2,737 – 15,230 10,763 14,776 10,452 14,127 10,058 44,904 31,829 40,221 27,960 Other 453 (3) 58 (4) 436 (3) 66 (4) 562 (3) 58 (4) 1,430 (3) 176 (4) 1,494 (3) 159 (4) Total $ 15,683 $ 10,821 $ 15,212 $ 10,518 $ 14,689 $  10,116 $ 46,334 $ 32,005 $  41,715 $  28,119 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (2) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (3) Includes dividend income on equity securities. (4) Includes interest on lease liabilities for the three months ended July 31, 2024 – $29 (April 30, 2024 – $30; July 31, 2023 – $29) and for the nine months ended July 31, 2024 – $89 (July 31, 2023 –$84) and insurance finance expense for the three months ended July 31, 2024 – $7 (April 30, 2024 – $8; July 31, 2023 – $7) and for the nine months ended July 31, 2024 – $22 (July 31, 2023 –$19).

Earnings per share

Earnings per share	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Earnings per share	18. Earnings per share For the three months ended For the nine months ended ($ millions) July 31 (1) April 30 (1) July 31 (1) July 31 (1) July 31 (1) Basic earnings per common share Net income attributable to common shareholders $ 1,756 $  1,943 $  2,067 $ 5,765 $  5,705 Weighted average number of common shares outstanding (millions) 1,230 1,223 1,199 1,222 1,194 Basic earnings per common share (2) (in dollars) $ 1.43 $ 1.59 $ 1.72 $ 4.72 $ 4.78 Diluted earnings per common share Net income attributable to common shareholders $ 1,756 $ 1,943 $ 2,067 $ 5,765 $ 5,705 Dilutive impact of share-based payment options and others (3) (15 ) (15 ) 2 (46 ) (25 ) Net income attributable to common shareholders (diluted) $ 1,741 $ 1,928 $ 2,069 $ 5,719 $ 5,680 Weighted average number of common shares outstanding (millions) 1,230 1,223 1,199 1,222 1,194 Dilutive impact of share-based payment options and others (3) (millions) 5 5 15 6 7 Weighted average number of diluted common shares outstanding (millions) 1,235 1,228 1,214 1,228 1,201 Diluted earnings per common share (2) (in dollars) $ 1.41 $ 1.57 $ 1.70 $ 4.66 $ 4.73 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (2) Earnings per share calculations are based on full dollar and share amounts. (3) Certain 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	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
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, 2023. (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 Internal Ratings-Based approach (IRB) 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 IRB 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 exposures and product type for retail exposures. Exposure at default (1) As at July 31, 2024 April 30 October 31 Revised Basel III Revised Revised ($ millions) IRB Standardized Total Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 463,568 $ 70,334 $ 533,902 $ 537,941 $ 557,552 Undrawn commitments 93,615 6,621 100,236 99,489 103,721 Other exposures (4) 110,367 16,924 127,291 129,656 125,367 Total non-retail $ 667,550 $ 93,879 $ 761,429 $ 767,086 $ 786,640 Retail (5) Drawn $ 295,961 $ 118,503 $ 414,464 $ 408,209 $ 403,635 Undrawn commitments 110,573 9,287 119,860 117,685 108,354 Other exposures – 62 62 59 58 Total retail $ 406,534 $ 127,852 $ 534,386 $ 525,953 $ 512,047 Total $ 1,074,084 $ 221,731 $ 1,295,815 $  1,293,039 $  1,298,687 (1) After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets. (2) Non-retail drawn exposures include government guaranteed and privately insured mortgages and retail loans. (3) Non-retail drawn includes loans, bankers’ acceptances, deposits with financial institutions and FVOCI debt securities. (4) Includes off-balance sheet lending instruments such as letters of credit, letters of guarantee, securitizations, over-the-counter derivatives and repo-style transactions net of related collateral. (5) Retail includes residential mortgages, credit cards, lines of credit, other personal loans and small business treated as other regulatory retail. Credit quality of non-retail exposures The Bank’s non-retail portfolio is well diversified by industry. A significant portion of the authorized corporate and commercial lending portfolio was internally assessed at a grade that would generally equate to an investment grade rating by external rating agencies. There has not been a significant change in concentrations of credit risk since October 31, 2023. 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 July 31, 2024, 25% (April 30, 2024 – 25%; October 31, 2023 – 26%) of the Canadian residential mortgage portfolio is insured. The average loan-to-value ratio of the uninsured portion of the Canadian residential mortgage portfolio is 50% (April 30, 2024 – 51%; October 31, 2023 – 49%). Retail standardized portfolio The retail standardized portfolio of $128 billion as at July 31, 2024 (April 30, 2024 – $127 billion; October 31, 2023 – $125 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, $65 billion (April 30, 2024 – $66 billion; October 31, 2023 – $65 billion) was represented by mortgages and loans secured by residential real estate, mostly with a loan-to-value ratio of below 80%. (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 Foreign currency risk is the risk of loss due to changes in spot and forward rates. As at July 31, 2024, 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 annual earnings by approximately $48 million (April 30, 2024 – $55 million; July 31, 2023 – $68 million) in the absence of hedging activity, due primarily from exposure to U.S. dollars from the Bank’s operations in the U.S. and activities conducted internationally in this currency and A similar change in the Canadian dollar as at July 31, 2024, would increase (decrease) the unrealized foreign currency translation losses in the accumulated other comprehensive income section of shareholders’ equity by approximately $339 million (April 30, 2024 – $353 million; July 31, 2023 – $328 million), net of hedging. Non-trading equity risk Equity risk is the risk of loss due to adverse movements in equity prices. The Bank is exposed to equity risk through its investment equity portfolios. The fair value of investment equity securities is shown in Note 7. Trading portfolio risk management Value at Risk (VaR) is a key measure of market risk in the Bank’s trading activities. In conjunction with the Bank’s implementation of the Fundamental Review of the Trading Book (FRTB) in Q1 2024, additional portfolios have been included in the VaR calculation. Prior periods have been restated to reflect this change. The table below shows the Bank’s VaR by risk factor: For the three months ended As at July 31, 2024 July 31 April 30 July 31 ($ millions) Average High Low 2024 2024 2023 Credit spread plus interest rate $ 12.7 $ 16.8 $ 9.7 $ 9.8 $  17.9 $  12.6 Credit spread 7.7 11.8 5.9 6.1 12.3 6.9 Interest rate 13.7 20.7 7.3 7.3 23.0 10.5 Equities 4.6 5.9 3.4 5.1 4.9 3.1 Foreign exchange 2.1 4.5 1.1 2.4 2.5 1.6 Commodities 2.1 4.1 1.3 3.8 1.7 3.7 Debt specific 3.0 4.0 2.3 3.1 2.8 2.6 Diversification effect (10.6 ) n/a n/a (15.1 ) (11.0 ) (11.3 ) Total VaR $ 13.9 $ 19.1 $ 8.8 $ 9.1 $ 18.8 $ 12.3 (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 at 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 (1) Gains/(Losses) Cumulative change in fair value (2) Gains/(Losses) As at For the three months ended As at ($ millions) July 31 April 30 July 31 July 31 April 30 July 31 July 31 April 30 July 31 Liabilities Senior note liabilities (3) $ 37,754 $ 32,987 $ 28,893 $ (1,478 ) $ 1,058 $ (1,906 ) $ 3,981 $ 5,459 $ 4,567 (1) Change in the difference between the contractual maturity amount and the carrying value. (2) The cumulative change in fair value is measured from the instruments’ date of initial recognition. (3) 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 income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues. 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 Carrying value Difference Changes in fair value income Gains/(Losses) Cumulative changes (1) As at July 31, 2024 $ 41,735 $ 37,754 $ 3,981 $ 127 $ (867 ) As at April 30, 2024 $ 38,446 $ 32,987 $ 5,459 $ (474 ) $  (994 ) As at July 31, 2023 $  33,460 $  28,893 $  4,567 $  (1,848 ) $ (48 ) (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 audited consolidated financial statements in the 2023 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 assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. As at  July 31, 2024 (1) April 30, 2024 (1) October 31, 2023 (1) ($ millions) Total fair Total Total fair Total Total fair Total Assets: Cash and deposits with financial institutions $  58,329 $ $ 58,631 $ 58,631 $ 90,312 $ 90,312 Trading assets 133,999 133,999  132,280  132,280  117,868  117,868 Securities purchased under resale agreements and securities borrowed 193,796 193,796 192,858 192,858 199,325 199,325 Derivative financial instruments 39,987 39,987 44,856 44,856 51,340 51,340 Investment securities – FVOCI and FVTPL 120,660 120,660 112,739 112,739 86,253 86,253 Investment securities – amortized cost 30,046 31,116 30,452 32,045 29,816 31,984 Loans 753,762 759,211 743,991 753,526 736,366 750,911 Customers’ liability under acceptances 3,282 3,282 9,117 9,117 18,628 18,628 Other financial assets 23,725 23,725 24,644 24,644 26,614 26,614 Liabilities: Deposits 945,074 949,201 935,374 942,028 942,112 952,333 Financial instruments designated at fair value through profit or loss 37,754 37,754 32,987 32,987 26,779 26,779 Acceptances 3,330 3,330 9,205 9,205 18,718 18,718 Obligations related to securities sold short 32,672 32,672 37,780 37,780 36,403 36,403 Derivative financial instruments 47,364 47,364 52,861 52,861 58,660 58,660 Obligations related to securities sold under repurchase agreements and securities lent 178,595 178,595 173,602 173,602 160,007 160,007 Subordinated debentures 7,657 7,716 8,017 8,129 9,358 9,693 Other financial liabilities 45,910 46,559 44,623 45,634 49,363 51,302 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (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 transactions, as well as transactions in inactive or illiquid markets. In these instances, internal models that maximize the use of observable inputs are used to estimate fair value. The chosen valuation technique incorporates all the factors that market participants would take into account in pricing a transaction. When all significant inputs to models are observable, the valuation is classified as Level 2. Financial instruments traded in a less active market are valued using indicative market prices or other valuation techniques. Fair value estimates do not consider forced or liquidation sales. Where financial instruments trade in inactive markets, illiquid markets or when using models where observable parameters do not exist, greater management judgement is required for valuation purposes. Valuations that require the significant use of unobservable inputs are classified as Level 3. The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis. As at July 31, 2024 April 30, 2024 ($ 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) $ – $ 2,419 $ – $ 2,419 $ – $ 1,253 $ – $ 1,253 Trading assets Loans – 7,614 28 7,642 – 7,133 8 7,141 Canadian federal government and government guaranteed debt 12,312 3,364 – 15,676 14,682 2,758 – 17,440 Canadian provincial and municipal debt 5,733 1,905 – 7,638 5,941 3,963 – 9,904 U.S. treasury and other U.S. agencies’ debt 12,596 – – 12,596 12,825 1 – 12,826 Other foreign governments’ debt 849 11,639 – 12,488 716 11,604 – 12,320 Corporate and other debt 4,335 6,489 12 10,836 4,263 6,755 – 11,018 Equity securities 64,663 212 8 64,883 59,506 73 4 59,583 Other – 2,240 – 2,240 – 2,048 – 2,048 $  100,488 $  33,463 $ 48 $ 133,999 $  97,933 $ 34,335 $ 12 $ 132,280 Investment securities (2) Canadian federal government and government guaranteed debt $ 14,779 $ 6,080 $ – $ 20,859 $ 11,531 $ 6,641 $ – $ 18,172 Canadian provincial and municipal debt 9,825 6,644 – 16,469 7,399 7,084 – 14,483 U.S. treasury and other U.S. agencies’ debt 40,155 5,105 – 45,260 38,902 5,037 – 43,939 Other foreign governments’ debt 3,657 27,069 – 30,726 2,749 26,437 – 29,186 Corporate and other debt 253 3,138 38 3,429 60 3,119 42 3,221 Equity securities 1,790 343  1,784 3,917 1,657 334 1,747 3,738 $ 70,459 $ 48,379 $ 1,822 $ 120,660 $ 62,298 $ 48,652 $  1,789 $  112,739 Derivative financial instruments Interest rate contracts $ – $ 11,563 $ 8 $ 11,571 $ – $ 13,779 $ – $ 13,779 Foreign exchange and gold contracts – 21,050 – 21,050 – 24,424 – 24,424 Equity contracts 125 4,402 41 4,568 77 3,660 14 3,751 Credit contracts – 242 13 255 – 295 2 297 Commodity contracts – 2,537 6 2,543 – 2,599 6 2,605 $ 125 $ 39,794 $ 68 $ 39,987 $ 77 $ 44,757 $ 22 $ 44,856 Liabilities: Deposits (3) $ – $ 136 $ – $ 136 $ – $ 21 $ – $ 21 Financial liabilities designated at fair value through profit or loss – 37,754 – 37,754 –  32,987 – 32,987 Obligations related to securities sold short 27,872 4,800 – 32,672  31,587 6,193 – 37,780 Derivative financial instruments Interest rate contracts – 18,644 – 18,644 – 21,956 – 21,956 Foreign exchange and gold contracts – 21,994 – 21,994 – 24,447 – 24,447 Equity contracts 129 4,141 23 4,293 138 3,327 12 3,477 Credit contracts – 33 1 34 – 25 1 26 Commodity contracts – 2,390 9 2,399 – 2,946 9 2,955 $  129 $  47,202 $  33 $ 47,364 $ 138 $ 52,701 $ 22 $ 52,861 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. (2) Excludes debt investment securities measured at amortized cost of $31,116 (April 30, 2024 – $32,045). (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. As at October 31, 2023 ($ millions) Level 1 Level 2 Level 3 Total Instruments carried at fair value on a recurring basis: Assets: Precious metals (1) $ – $ 937 $ – $ 937 Trading assets Loans – 7,540 4 7,544 Canadian federal government and government guaranteed debt 13,766 3,603 – 17,369 Canadian provincial and municipal debt 5,299 4,154 – 9,453 U.S. treasury and other U.S. agencies’ debt 11,218 – – 11,218 Other foreign governments’ debt 19 10,626 – 10,645 Corporate and other debt 3,431 7,748 – 11,179 Equity securities 47,665 67 16 47,748 Other – 2,712 – 2,712 $ 81,398 $ 36,450 $ 20 $  117,868 Investment securities (2) Canadian federal government and government guaranteed debt $ 7,674 $ 4,713 $ – $ 12,387 Canadian provincial and municipal debt 3,695 3,451 – 7,146 U.S. treasury and other U.S. agencies’ debt 25,058 3,640 – 28,698 Other foreign governments’ debt 2,527 28,891 – 31,418 Corporate and other debt – 2,512 40 2,552 Equity securities 2,010 333 1,709 4,052 $  40,964 $  43,540 $  1,749 $ 86,253 Derivative financial instruments Interest rate contracts $ – $ 15,942 $ – $ 15,942 Foreign exchange and gold contracts – 29,465 2 29,467 Equity contracts 54 3,066 27 3,147 Credit contracts – 342 2 344 Commodity contracts – 2,430 10 2,440 $ 54 $ 51,245 $ 41 $ 51,340 Liabilities: Deposits (3) $ – $ (95 ) $ – $ (95 ) Financial liabilities designated at fair value through profit or loss – 26,779 –  26,779 Obligations related to securities sold short 29,921 6,482 – 36,403 Derivative financial instruments Interest rate contracts – 25,079 2 25,081 Foreign exchange and gold contracts – 28,013 – 28,013 Equity contracts 135 3,106 17 3,258 Credit contracts – 27 1 28 Commodity contracts – 2,274 6 2,280 $ 135 $ 58,499 $ 26 $ 58,660 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. (2) Excludes debt investment securities measured at amortized cost of $31,984. (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amoritized cost. Level 3 instrument fair value changes Financial instruments categorized as Level 3 as at July 31, 2024, in the fair value hierarchy comprised of loans, corporate bonds, equity securities and derivatives. The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended July 31, 2024. All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. As at July 31, 2024 ($ millions) Fair value, Gains/ Gains/ Purchases/ Sales/ Transfers Fair value, Changes in (1) Trading assets Loans $ 8 $  – $ – $ 27 $ – $ (7 ) $ 28 $ – Corporate and other debt – – – 8 – 4 12 – Equity securities 4 – – 3 (1 ) 2 8 – 12 – – 38 (1 ) (1 ) 48 – Investment securities Corporate and other debt 42 – 3 – – (7 ) 38 – Equity securities 1,747 26 (4 ) 48 (36 ) 3 1,784 26 1,789 26 (1 ) 48 (36 ) (4 ) 1,822 26 Derivative financial Interest rate contracts – – – 8 – – 8 – Equity contracts 14 (1 ) – 1 – 27 41 (1 ) (2) Credit contracts 2 (1 ) – – – 12 13 (1 ) Commodity contracts 6 – – – – – 6 – Derivative financial Equity contracts (12 ) 1 – (3 ) – (9 ) (23 ) 1 (2) Credit contracts (1 ) – – – – – (1 ) – Commodity contracts (9 ) – – – – – (9 ) – – (1 ) – 6 – 30 35 (1 ) Total $  1,801 $  25 $   (1 ) $  92 $  (37 ) $  25 $  1,905 $  25 (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 The following tables summarize the changes in Level 3 instruments carried at fair value for the three months ended April 30, 2024 and October 31, 2023. As at April 30, 2024 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers into/ out of Level 3 Fair value, Trading assets $ 5 $ (1 ) $    – $ 1 $ (1 ) $     8 $ 12 Investment securities  1,832   60 (103 )  58  (57 ) (1 )  1,789 Derivative financial instruments 22 (10 ) – 1 1 (14 ) – (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. As at October 31, 2023 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Trading assets $ 1 $   – $     – $ 1 $ – $   18 $ 20 Investment securities  1,807 (11 ) 3  84  (29 ) (105 )  1,749 Derivative financial instruments 18 (6 ) – 2 – 1 15 Obligations related to securities sold short (1 ) – – – 1 – – (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 at the end of the reporting period during which the change has occurred. The following significant transfers made between Level 1 and 2, were based on whether the fair value was determined using quoted market prices from an active market. During the three months ended July 31, 2024: • Trading assets of $1,840 million, investment securities of $2,364 million and obligations related to securities sold short of $464 million were transferred out of Level 2 into Level 1. • Trading assets of $1,648 million, investment securities of $1,583 million and obligations related to securities sold short of $345 million were transferred out of Level 1 into Level 2. During the three months ended April 30, 2024: • Trading assets of $3,279 million, investment securities of $1,919 million and obligations related to securities sold short of $510 million were transferred out of Level 2 into Level 1. • Trading assets of $994 million, investment securities of $2,497 million and obligations related to securities sold short of $102 million were transferred out of Level 1 into Level 2. During the three months ended October 31, 2023: • Trading assets of $1,937 million, investment securities of $2,034 million and obligations related to securities sold short of $149 million were transferred out of Level 2 into Level 1. • Trading assets of $1,184 million, investment securities of $647 million and obligations related to securities sold short of $279 million were transferred out of Level 1 into Level 2. There were no significant transfers into and out of Level 3 during the three months ended July 31, 2024 and April 30, 2024. During the three months ended October 31, 2023, Investments in equity securities of $108 million were transferred out of Level 3 into Level 2. Transfers were a result of the change in the observability of the price used for valuing the securities. Level 3 sensitivity The Bank applies judgement Refer to Note 7 of the Bank’s audited consolidated financial statements for the year ended October 31, 2023 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.

Provisions

Provisions	9 Months Ended
	Jul. 31, 2024
Disclosure Of Provisions [Abstract]
Provisions	20. Provisions The Bank, through its Peruvian subsidiary, is engaged in legal actions related to certain value-added tax assessed amounts and associated interest totaling $176 million, which arose from certain client transactions that occurred prior to the Bank’s acquisition of the subsidiary. The legal action in Peru relating to the original assessed amount was heard by the Peruvian Constitutional Court in June 2023 and during this quarter, the case was decided in favour of the Government of Peru. Accordingly, the Bank pai d million representing the principal and associated reasonable interest, which was recorded in non-interest expenses – other. In November 2021, the Peruvian Constitutional Court dismissed the matter relating to the accrued default interest for procedural reasons. With respect to this default interest component, and in relation to the Constitutional Court of Peru’s treatment of Scotiabank Peru, in October 2022, the Bank filed a request for arbitration against the Republic of Peru before the International Centre for the Settlement of Investment Disputes (ICSID), pursuant to the provisions of the Canada-Peru Free Trade Agreement. In May 2024, the ICSID Tribunal issued a ruling that narrowed the scope of the Bank’s case. This case is now proceeding through the arbitration process. Following these developments, the Bank recorded a legal provision of $142 million in non-interest expenses – other, representing the amount at issue in the arbitration. The Bank intends to continue to vigorously advance its position.

Corporate income taxes

Corporate income taxes	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Corporate income taxes	21. Corporate income taxes Tax Assessments The Bank received reassessments totaling $1,634 million (April 30, 2024 – $1,556 million) of tax and interest as a result of the Canada Revenue Agency (CRA) denying the tax deductibility of certain Canadian dividends received during the 2011-2019 taxation years (2011-2018 of $1,556 million and 2019 of $78 million for a tax reassessment received on August 9, 2024). The dividends subject to these reassessments are similar to those prospectively addressed by tax rules introduced in 2015 and 2018. The Bank has filed Notices of Appeal with the Tax Court of Canada against the federal reassessment in respect of its 2011 and 2012 taxation years. In addition, a subsidiary of the Bank received reassessments on the same matter in respect of its 2018 and 2019 taxation years totaling $3 million of tax and interest. A subsidiary of the Bank received withholding tax assessments from the CRA in respect of certain of its securities lending transactions for its 2014-2018 taxation years totaling $551 million (April 30, 2024 – $551 million) of tax, penalties and interest. The subsidiary has filed a Notice of Appeal with the Tax Court of Canada against the federal assessment in respect of its 2014-2018 taxation years. In respect of both matters, 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 vigorously defend its position. Canadian Federal Tax Measures On June 20, 2024, the Federal Budget Implementation Acts (Bill C-59 and Bill C-69) received royal assent to become law, The Budget Implementation Acts did not include the proposed increase to % to % for gains realized after June 24, 2024 . This legislation is expected to be enacted in a future b Global Minimum Tax The Organisation for Economic Co-operation and Development (OECD) published Pillar Two model rules in December 2021 as part of its efforts toward international tax reform. The rules aim to have large multinational enterprises, with consolidated revenues in excess of € % in each jurisdiction they operate. OECD member countries are in the process of developing domestic tax legislation to implement the rules. During the quarter, Canada enacted the Global Minimum Tax (GMT) Act as part of Bill C-69 on June 20, 2024. In addition, Barbados also enacted their local GMT legislation to introduce a domestic minimum top-up tax. These laws will apply to the Bank from fiscal year 2025 onwards. The IASB previously issued amendments to IAS 12 Income Taxes The Bank continues to make progress in assessing the impact of presently enacted or substantively enacted legislation in applicable jurisdictions. Based on our current assessment, the Bank can rely on the transitional safe harbour with respect to most of the jurisdictions where the Bank operates. For the jurisdictions that the Bank cannot rely on the transitional safe harbour, the Bank is working on detailed calculations in accordance with the GMT rules.

Divestiture

Divestiture	9 Months Ended
	Jul. 31, 2024
Disclosure of analysis of single amount of discontinued operations [abstract]
Divestiture	22. Divestiture Divestiture announced that is expected to close in a future period On May 6, 2024, the Bank entered into an agreement to sell CrediScotia Financiera, a wholly-owned consumer finance subsidiary in Peru, to Banco Santander. The transaction is subject to regulatory approval s The Bank recorded an impairment loss of $143 million in non-interest income and a credit of $7 million in non-interest expenses ($ million after-tax) this quarter, of which the majority relates to goodwill. The loss was recorded in the Other operating segment. Upon closing, the Bank’s CET1 capital ratio will increase by approximately three

Events after the Consolidated S

Events after the Consolidated Statement of Financial Position date	9 Months Ended
	Jul. 31, 2024
Disclosure of non-adjusting events after reporting period [abstract]
Events after the Consolidated Statement of Financial Position date	23. Events after the Consolidated Statement of Financial Position date On August 12, 2024, the Bank announced an agreement to acquire an approximate 14.9% pro-forma ownership interest in KeyCorp for approximately US$ 2.8 billion through an all-cash purchase of newly issued voting common shares. The transaction is expected to be completed in two stages, which includes an initial investment of (Initial Investment) and an additional investment of approximately % (Additional Investment), for a total pro-forma ownership of approximately 14.9%. Subject to clearances and regulatory approvals, the Initial Investment is expected to close in the fourth quarter of 2024, and the Additional Investment is expected to close in fiscal 2025. Upon completion of the Additional Investment, the Bank will have the right to designate two individuals to serve on KeyCorp’s Board of Directors. On closing, the Initial Investment will be recorded as an equity investment at fair value, with subsequent mark-to-market changes through other comprehensive income. Following the closing of the Additional Investment, the Bank’s total interest in KeyCorp of approximately % will be accounted for as an investment in associate as the Bank will have significant influence as defined under IFRS, given the Bank’s representation on KeyCorp’s board and its ownership interest. The estimated impact to the Bank’s CET1 ratio is a reduction of approximately 10 40 to 45

Material accounting policies (P

Material accounting policies (Policies)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
IFRS 17 – Insurance Contracts	IFRS 17 – Insurance Contracts On November 1, 2023, the Bank adopted IFRS 17 Insurance Contracts Under IFRS 17, the Bank identifies its insurance contracts under which it accepts significant insurance risk from another party (the policyholder) by agreeing to compensate the policyholder if a specified uncertain future event (the insured event) adversely affects the policyholder. For short duration contracts, the Bank applies the premium allocation approach which requires that the expected premium be recognized into income over the coverage period and a liability be established to the extent that cash inflows are received earlier than the recognition of premiums into insurance revenue. For long duration contracts, IFRS 17 requires recognition of probability-weighted fulfilment cashflows and a risk adjustment for non-financial

Cash and deposits with financ_2

Cash and deposits with financial institutions (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Summary of Cash and Deposits with Financial Institutions	As at ($ millions) July 31 April 30 October 31 Cash and non-interest-bearing $ 9,253 $ 9,769 $ 10,173 Interest-bearing deposits with financial institutions 49,076 48,862 80,139 Total $ 58,329 (1) $    58,631 (1) $    90,312 (1) (1) Net of allowances of $3 (April 30, 2024 – $3; October 31, 2023 – $7).

Investment securities (Tables)

Investment securities (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
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) July 31 April 30 October 31 Debt investment securities measured at FVOCI $ 116,696 $ 108,947 $ 82,150 Debt investment securities measured at amortized cost 31,116 32,045 31,984 Equity investment securities designated at FVOCI 1,877 1,752 2,164 Equity investment securities measured at FVTPL 2,040 1,986 1,888 Debt investment securities measured at FVTPL 47 54 51 Total investment securities $ 151,776 $   144,784 $   118,237
Disclosure of Unrealized Gains and Losses on Fair Value through Other Comprehensive Income Securities	(a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) As at July 31, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 20,836 $    186 $     163 $ 20,859 Canadian provincial and municipal debt 16,476 207 214 16,469 U.S. treasury and other U.S. agency debt 46,017 292 1,049 45,260 Other foreign government debt 31,014 169 473 30,710 Other debt 3,414 28 44 3,398 Total $  117,757 $  882 $  1,943 $  116,696 As at April 30, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 18,504 $ 9 $ 341 $ 18,172 Canadian provincial and municipal debt 14,933 12 462 14,483 U.S. treasury and other U.S. agency debt 45,728 16 1,805 43,939 Other foreign government debt 29,756 106 693 29,169 Other debt 3,244 4 64 3,184 Total $  112,165 $  147 $  3,365 $  108,947 As at October 31, 2023 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 12,794 $ 6 $ 413 $ 12,387 Canadian provincial and municipal debt 7,680 2 536 7,146 U.S. treasury and other U.S. agency debt 30,741 32 2,075 28,698 Other foreign government debt 32,246 91 936 31,401 Other debt 2,597 2 81 2,518 Total $   86,058 $  133 $  4,041 $   82,150
Summary of Analysis of Fair Value and Carrying Value of Investment Securities Measured at Amortized Cost	(b) Debt investment securities measured at amortized cost As at July 31, 2024 April 30, 2024 October 31, 2023 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 9,621 $ 9,672 $ 9,538 $ 9,724 $ 9,927 $ 10,211 U.S. treasury and other U.S. agency debt 18,126 19,154 18,409 19,812 17,912 19,788 Other foreign government debt 2,088 2,089 2,307 2,316 1,860 1,871 Corporate debt 211 201 198 193 117 114 Total $  30,046 $  31,116 $  30,452 $  32,045 $  29,816 $  31,984 (1) Balances are net of allowances, which are $1 (April 30, 2024 – $1; October 31, 2023 – $1).
Summary of Equity Investment Securities Designated as at Fair Value Through Other Comprehensive Income	(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) As at July 31, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 1,375 $ 574 $ 72 $ 1,877 Total $ 1,375 $ 574 $ 72 $ 1,877 As at April 30, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 1,375 $ 461 $ 84 $ 1,752 Total $ 1,375 $ 461 $ 84 $ 1,752 As at October 31, 2023 ($ millions) Cost Gross Gross Fair value Common shares $ 1,947 $ 390 $ 173 $ 2,164 Total $  1,947 $  390 $  173 $  2,164

Loans, impaired loans and all_2

Loans, impaired loans and allowance for credit losses (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Disclosure of loans at amortized cost	(a) Loans at amortized cost As at July 31, 2024 ($ millions) Gross Allowance Net Residential mortgages $ 348,631 $ 1,210 $ 347,421 Personal loans 106,543 2,372 104,171 Credit cards 17,646 1,190 16,456 Business and government 292,973 1,810 291,163 Total $ 765,793 $ 6,582 $ 759,211 As at   April 30, 2024 October 31, 2023 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 344,168 $ 1,188 $ 342,980 $ 344,182 $ 1,084 $ 343,098 Personal loans 105,528 2,340 103,188 104,170 2,414 101,756 Credit cards 17,579 1,239 16,340 17,109 1,237 15,872 Business and government 292,758 1,740 291,018 291,822 1,637 290,185 Total $  760,033 $  6,507 $  753,526 $  757,283 $  6,372 $  750,911
Schedule of Impaired Loans	(b) Impaired loans (1) As at July 31, 2024 ($ millions) Gross Allowance Net Residential mortgages $ 2,197 $ 593 $ 1,604 Personal loans 1,139 659 480 Credit cards – – – Business and government 3,153 788 2,365 Total $ 6,489 $ 2,040 $ 4,449 By geography: Canada $ 1,868 $ 552 $ 1,316 United States 6 1 5 Mexico 1,369 399 970 Peru 733 394 339 Chile 1,300 292 1,008 Colombia 364 142 222 Other international 849 260 589 Total $ 6,489 $ 2,040 $ 4,449 As at   April 30, 2024 October 31, 2023 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 2,178 $ 580 $ 1,598 $ 1,864 $ 498 $ 1,366 Personal loans 1,175 656 519 1,176 664 512 Credit cards – – – – – – Business and government 3,046 764 2,282 2,686 719 1,967 Total $ 6,399 $ 2,000 $ 4,399 $ 5,726 $ 1,881 $ 3,845 By geography: Canada $ 1,774 $ 533 $ 1,241 $ 1,564 $ 514 $ 1,050 United States 6 1 5 – – – Mexico 1,370 401 969 1,183 372 811 Peru 734 389 345 691 372 319 Chile 1,258 283 975 1,098 264 834 Colombia 401 135 266 356 97 259 Other international 856 258 598 834 262 572 Total $  6,399 $  2,000 $  4,399 $  5,726 $  1,881 $  3,845 (1) Interest income recognized on impaired loans during the three months ended July 31, 2024 was $22 (April 30, 2024 – $22; October 31, 2023 – $15).
Summary of Key Macroeconomic Variables Used for Allowance for Credit Losses Calculations	Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at July 31, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.9 2.2 2.8 3.2 -1.8 3.0 -4.4 3.5 Consumer price index, y/y % 2.4 1.9 2.5 2.3 1.6 1.6 5.9 2.1 Unemployment rate, average % 6.4 6.1 6.1 5.0 8.2 7.0 10.6 7.4 Bank of Canada overnight rate target, average % 3.9 2.9 4.0 3.6 3.4 2.1 4.8 3.5 HPI - Housing Price Index, y/y % change 0.8 3.5 1.9 4.7 -4.9 4.3 -6.5 3.5 USD/CAD exchange rate, average 1.35 1.29 1.34 1.28 1.46 1.27 1.51 1.29 U.S. Real GDP growth, y/y % change 1.7 2.2 2.4 3.1 -1.8 3.1 -3.9 3.4 Consumer price index, y/y % 2.8 2.2 3.0 2.6 1.7 1.9 6.6 2.4 Target federal funds rate, upper limit, average % 4.7 3.0 4.8 3.7 4.1 1.8 5.6 3.6 Unemployment rate, average % 4.1 4.2 3.9 3.8 5.8 4.8 7.7 5.1 Mexico Real GDP growth, y/y % change 2.1 1.9 2.6 2.7 -0.2 2.5 -2.1 3.1 Unemployment rate, average % 3.3 3.8 3.2 3.3 4.2 4.0 6.2 4.8 Chile Real GDP growth, y/y % change 3.2 2.1 5.0 3.0 0.0 2.9 -3.5 3.7 Unemployment rate, average % 7.9 6.5 7.4 5.8 9.5 6.8 11.4 7.2 Peru Real GDP growth, y/y % change 2.6 3.2 3.5 4.7 1.7 3.6 -0.1 4.1 Unemployment rate, average % 7.1 6.9 6.6 4.9 8.6 7.3 12.2 8.9 Colombia Real GDP growth, y/y % change 1.8 2.8 3.3 4.3 0.9 3.2 -0.9 3.7 Unemployment rate, average % 11.1 10.3 10.4 7.8 13.3 10.9 19.1 13.4 Caribbean Real GDP growth, y/y % change 3.7 3.8 4.2 4.5 2.8 4.2 1.0 4.7 Global WTI oil price, average USD/bbl 79 69 84 85 64 60 58 58 Copper price, average USD/lb 4.91 5.10 5.09 5.70 4.39 4.93 4.25 4.84 Global GDP, y/y % change 3.3 2.5 4.3 3.4 0.3 3.2 -1.6 3.6 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at April 30, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.7 2.1 2.8 3.3 -2.0 2.9 -4.6 3.4 Consumer price index, y/y % 2.5 1.8 2.7 2.3 1.8 1.5 6.4 2.0 Unemployment rate, average % 6.4 6.1 5.9 4.7 8.1 7.0 10.5 7.4 Bank of Canada overnight rate target, average % 4.4 2.6 4.6 3.5 3.9 1.9 5.5 3.2 HPI - Housing Price Index, y/y % change -0.7 4.0 0.0 5.4 -6.4 4.7 -8.0 3.9 USD/CAD exchange rate, average 1.34 1.29 1.34 1.28 1.44 1.27 1.50 1.30 U.S. Real GDP growth, y/y % change 2.0 2.2 2.9 3.1 -1.5 3.1 -3.6 3.4 Consumer price index, y/y % 3.1 2.2 3.3 2.7 2.0 1.8 7.0 2.4 Target federal funds rate, upper limit, average % 5.1 2.7 5.4 3.8 4.4 1.6 6.0 3.2 Unemployment rate, average % 3.9 4.4 3.7 3.9 5.5 5.0 7.3 5.3 Mexico Real GDP growth, y/y % change 2.5 1.8 3.5 3.0 0.7 2.4 -2.3 3.0 Unemployment rate, average % 3.2 3.8 2.9 2.7 4.0 3.9 6.1 4.8 Chile Real GDP growth, y/y % change 2.9 2.5 5.3 4.2 -0.2 3.3 -2.8 3.9 Unemployment rate, average % 7.8 6.8 7.2 5.6 9.6 7.1 11.5 7.5 Peru Real GDP growth, y/y % change 2.7 3.0 3.7 4.2 1.3 3.4 -1.0 3.8 Unemployment rate, average % 6.4 6.8 5.9 5.1 7.7 7.2 11.2 8.7 Colombia Real GDP growth, y/y % change 1.6 2.9 2.9 4.2 0.2 3.4 -2.1 3.9 Unemployment rate, average % 10.7 10.2 10.0 8.2 12.9 10.7 18.8 13.2 Caribbean Real GDP growth, y/y % change 3.8 3.8 4.8 5.0 2.5 4.2 0.1 4.7 Global WTI oil price, average USD/bbl 80 70 85 87 65 62 58 60 Copper price, average USD/lb 4.16 5.11 4.31 5.75 3.81 4.97 3.64 4.90 Global GDP, y/y % change 2.58 2.72 3.62 3.75 -0.38 3.42 -2.25 3.83 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at October 31, 2023 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 0.7 2.9 1.3 4.2 -2.2 3.5 -4.3 3.9 Consumer price index, y/y % 2.8 2.0 2.8 2.5 1.8 1.6 6.4 2.2 Unemployment rate, average % 6.0 5.7 5.7 4.2 7.6 6.3 9.7 6.6 Bank of Canada overnight rate target, average % 4.8 2.6 4.8 3.5 3.6 1.4 5.8 3.3 HPI - Housing Price Index, y/y % change -1.9 1.4 -1.4 2.9 -5.5 2.2 -6.8 1.5 USD/CAD exchange rate, average 1.27 1.24 1.27 1.22 1.41 1.26 1.47 1.28 U.S. Real GDP growth, y/y % change 1.0 1.9 1.5 2.7 -2.0 2.7 -3.8 3.0 Consumer price index, y/y % 3.2 2.2 3.5 2.6 1.9 1.8 7.0 2.5 Target federal funds rate, upper limit, average % 5.3 2.5 5.4 3.4 4.2 0.8 6.3 3.1 Unemployment rate, average % 4.1 4.5 3.9 4.1 5.6 5.0 7.2 5.2 Mexico Real GDP growth, y/y % change 1.7 2.2 2.6 3.3 -0.2 2.7 -2.8 3.2 Unemployment rate, average % 3.7 3.9 3.6 3.2 4.7 4.1 6.8 4.9 Chile Real GDP growth, y/y % change 1.3 2.9 2.8 4.6 -0.9 3.5 -3.1 4.1 Unemployment rate, average % 8.5 7.0 8.2 6.3 9.6 7.3 11.3 7.6 Peru Real GDP growth, y/y % change 1.9 2.7 2.7 3.9 0.8 3.1 -1.4 3.6 Unemployment rate, average % 6.9 7.0 6.2 5.1 8.3 7.3 11.6 8.8 Colombia Real GDP growth, y/y % change 2.4 3.0 3.7 4.3 1.4 3.4 -0.9 3.9 Unemployment rate, average % 9.2 9.9 8.6 7.9 11.1 10.3 15.6 12.3 Caribbean Real GDP growth, y/y % change 3.8 3.8 4.5 4.9 2.8 4.2 0.5 4.7 Global WTI oil price, average USD/bbl 78 66 84 82 68 63 62 61 Copper price, average USD/lb 3.97 5.01 4.11 5.65 3.70 4.89 3.56 4.83 Global GDP, y/y % change 2.75 2.45 3.62 3.48 0.10 3.10 -1.48 3.45
Schedule of Allowance for Credit Losses	(iv) Allowance for credit losses Allowance for credit losses ($ millions) Balance as at Provision for (1) Net write-offs Other, including Balance as at Residential mortgages $ 1,084 $ 214 $ (61 ) $ (27 ) $ 1,210 Personal loans 2,414 1,427 (1,375 ) (94 ) 2,372 Credit cards 1,237 822 (857 ) (12 ) 1,190 Business and government 1,876 568 (265 ) ( 106 ) 2,073 $  6,611 $  3,031 $ (2,558 ) $ (239 ) $  6,845 Presented as: Allowance for credit losses on loans $ 6,372 $ 6,582 Allowance for credit losses on acceptances (2) 90 48 Allowance for credit losses on off-balance (3) 149 215 (1) Excludes amounts associated with other assets and reversal of impairment losses of $(10). The provision for credit losses, net of these amounts, is $3,021. (2) Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. (3) Allowance for credit losses on off-balance ($ millions) Balance as at Provision for (1) Net write-offs Other, including Balance as at Residential mortgages $ 899 $ 99 $ (52 ) $ 63 $ 1,009 Personal loans 2,137 907 (844 ) 91 2,291 Credit cards 1,083 701 (661 ) 53 1,176 Business and government 1,368 465 (214 ) (16 ) 1,603 $  5,487 $  2,172 $  (1,771 ) $  191 $  6,079 Presented as: Allowance for credit losses on loans $ 5,348 $ 5,893 Allowance for credit losses on acceptances (2) 31 53 Allowance for credit losses on off-balance (3) 108 133 (1) Excludes amounts associated with other assets and reversal of impairment losses of $(6). The provision for credit losses, net of these amounts, is $2,166. (2) Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position. (3) Allowance for credit losses on off-balance Allowance for credit losses on loans As at July 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 201 $ 416 $ 593 $ 1,210 Personal loans 553 1,160 659 2,372 Credit cards 303 887 – 1,190 Business and government 589 433 788 1,810 Total (1) $ 1,646 $ 2,896 $ 2,040 $ 6,582 (1) Excludes allowance for credit losses of $278 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at October 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 265 $ 321 $ 498 $ 1,084 Personal loans 647 1,103 664 2,414 Credit cards 414 823 – 1,237 Business and government 535 383 719 1,637 Total (1) $  1,861 $  2,630 $  1,881 $  6,372 (1) Excludes allowance for credit losses of $257 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 222 $ 304 $ 483 $ 1,009 Personal loans 673 986 632 2,291 Credit cards 430 746 – 1,176 Business and government 398 314 705 1,417 Total (1) $  1,723 $  2,350 $  1,820 $  5,893 (1) Excludes allowance for credit losses of $201 for other financial assets including acceptances, investment securities, deposits with banks, off-balance The following table presents the changes to the allowance for credit losses on loans. As at and for the three months ended July 31, 2024 July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 259 $ 349 $ 580 $ 1,188 $ 220 $ 306 $ 455 $ 981 Provision for credit losses Remeasurement (1) (86 ) 89 83 86 (50 ) 21 70 41 Newly originated or purchased financial assets 12 – – 12 9 – – 9 Derecognition of financial assets and maturities (3 ) (6 ) – (9 ) (2 ) (4 ) – (6 ) Changes in models and methodologies (2) (22 ) 3 – (19 ) – – – – Transfer to (from): Stage 1 59 (44 ) (15 ) – 50 (38 ) (12 ) – Stage 2 (9 ) 51 (42 ) – (10 ) 38 (28 ) – Stage 3 – (20 ) 20 – – (18 ) 18 – Gross write-offs – – (23 ) (23 ) – – (28 ) (28 ) Recoveries – – 6 6 – – 6 6 Foreign exchange and other movements (9 ) (6 ) (16 ) (31 ) 5 (1 ) 2 6 Balance at end of period $ 201 $ 416 $ 593 $ 1,210 $ 222 $ 304 $ 483 $ 1,009 Personal loans Balance at beginning of period $ 626 $ 1,058 $ 656 $ 2,340 $ 677 $ 982 $ 608 $ 2,267 Provision for credit losses Remeasurement (1) (182 ) 284 378 480 (180 ) 229 255 304 Newly originated or purchased financial assets 89 – – 89 94 – – 94 Derecognition of financial assets and maturities (26 ) (54 ) – (80 ) (24 ) (45 ) – (69 ) Changes in models and methodologies (2) (68 ) 96 – 28 – – – – Transfer to (from): Stage 1 183 (178 ) (5 ) – 156 (153 ) (3 ) – Stage 2 (57 ) 90 (33 ) – (54 ) 77 (23 ) – Stage 3 (4 ) (128 ) 132 – (3 ) (103 ) 106 – Gross write-offs – – (551 ) (551 ) – – (381 ) (381 ) Recoveries – – 88 88 – – 65 65 Foreign exchange and other movements (8 ) (8 ) (6 ) (22 ) 7 (1 ) 5 11 Balance at end of period $ 553 $ 1,160 $ 659 $ 2,372 $ 673 $ 986 $ 632 $ 2,291 Credit cards Balance at beginning of period $ 357 $ 882 $ – $ 1,239 $ 425 $ 710 $ – $ 1,135 Provision for credit losses Remeasurement (1) (101 ) 161 214 274 (63 ) 152 193 282 Newly originated or purchased financial assets 31 – – 31 55 – – 55 Derecognition of financial assets and maturities (13 ) (15 ) – (28 ) (16 ) (23 ) – (39 ) Changes in models and methodologies (2) (38 ) 21 – (17 ) – – – – Transfer to (from): Stage 1 99 (99 ) – – 64 (64 ) – – Stage 2 (30 ) 30 – – (38 ) 38 – – Stage 3 – (95 ) 95 – – (65 ) 65 – Gross write-offs – – (359 ) (359 ) – – (310 ) (310 ) Recoveries – – 55 55 – – 50 50 Foreign exchange and other movements (2 ) 2 (5 ) (5 ) 3 (2 ) 2 3 Balance at end of period $ 303 $ 887 $ – $ 1,190 $ 430 $ 746 $ – $ 1,176 Total retail loans Balance at beginning of period $ 1,242 $ 2,289 $ 1,236 $ 4,767 $  1,322 $  1,998 $  1,063 $  4,383 Provision for credit losses Remeasurement (1) (369 ) 534 675 840 (293 ) 402 518 627 Newly originated or purchased financial assets 132 – – 132 158 – – 158 Derecognition of financial assets and maturities (42 ) (75 ) – (117 ) (42 ) (72 ) – (114 ) Changes in models and methodologies (2) (128 ) 120 – (8 ) – – – – Transfer to (from): Stage 1 341 (321 ) (20 ) – 270 (255 ) (15 ) – Stage 2 (96 ) 171 (75 ) – (102 ) 153 (51 ) – Stage 3 (4 ) (243 ) 247 – (3 ) (186 ) 189 – Gross write-offs – – (933 ) (933 ) – – (719 ) (719 ) Recoveries – – 149 149 – – 121 121 Foreign exchange and other movements (19 ) (12 ) (27 ) (58 ) 15 (4 ) 9 20 Balance at end of period $ 1,057 $ 2,463 $ 1,252 $ 4,772 $ 1,325 $ 2,036 $ 1,115 $ 4,476 Non-retail Business and government Balance at beginning of period $ 653 $ 447 $ 798 $ 1,898 $ 456 $ 322 $ 704 $ 1,482 Provision for credit losses Remeasurement (1) (146 ) 13 144 11 16 43 111 170 Newly originated or purchased financial assets 204 – – 204 103 – – 103 Derecognition of financial assets and maturities (187 ) (12 ) (4 ) (203 ) (87 ) (20 ) (14 ) (121 ) Changes in models and methodologies (2) 200 37 – 237 – – – – Transfer to (from): Stage 1 37 (37 ) – – 18 (18 ) – – Stage 2 (21 ) 22 (1 ) – (14 ) 16 (2 ) – Stage 3 – (4 ) 4 – – (2 ) 2 – Gross write-offs – – (93 ) (93 ) – – (81 ) (81 ) Recoveries – – 12 12 – – 23 23 Foreign exchange and other movements (2 ) (3 ) (36 ) (41 ) (4 ) 1 (23 ) (26 ) Balance at end of period including off-balance $ 738 $ 463 $ 824 $ 2,025 $ 488 $ 342 $ 720 $ 1,550 Less: Allowance for credit losses on off-balance (3) (149 ) (30 ) (36 ) (215 ) (90 ) (28 ) (15 ) (133 ) Balance at end of period (3) $ 589 $ 433 $ 788 $ 1,810 $ 398 $ 314 $ 705 $ 1,417 As at and for the nine months ended July 31, 2024 July 31, 2023 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 265 $ 321 $ 498 $ 1,084 $ 197 $ 296 $ 406 $ 899 Provision for credit losses Remeasurement (1) (194 ) 155 263 224 (123 ) 38 176 91 Newly originated or purchased financial assets 32 – – 32 25 – – 25 Derecognition of financial assets and maturities (7 ) (16 ) – (23 ) (6 ) (11 ) – (17 ) Changes in models and methodologies (2) (22 ) 3 – (19 ) – – – – Transfer to (from): Stage 1 164 (124 ) (40 ) – 134 (101 ) (33 ) – Stage 2 (30 ) 148 (118 ) – (25 ) 108 (83 ) – Stage 3 – (62 ) 62 – – (44 ) 44 – Gross write-offs – – (77 ) (77 ) – – (71 ) (71 ) Recoveries – – 16 16 – – 19 19 Foreign exchange and other movements (7 ) (9 ) (11 ) (27 ) 20 18 25 63 Balance at end of period $ 201 $ 416 $ 593 $ 1,210 $ 222 $ 304 $ 483 $ 1,009 Personal loans Balance at beginning of period $ 647 $ 1,103 $ 664 $ 2,414 $ 665 $ 921 $ 551 $ 2,137 Provision for credit losses Remeasurement (1) (553 ) 759 1,134 1,340 (552 ) 695 676 819 Newly originated or purchased financial assets 279 – – 279 278 – – 278 Derecognition of financial assets and maturities (73 ) (147 ) – (220 ) (66 ) (124 ) – (190 ) Changes in models and methodologies (2) (68 ) 96 – 28 – – – – Transfer to (from): Stage 1 523 (512 ) (11 ) – 475 (465 ) (10 ) – Stage 2 (175 ) 259 (84 ) – (150 ) 212 (62 ) – Stage 3 (11 ) (381 ) 392 – (7 ) (285 ) 292 – Gross write-offs – – (1,591 ) (1,591 ) – – (1,023 ) (1,023 ) Recoveries – – 216 216 – – 179 179 Foreign exchange and other movements (16 ) (17 ) (61 ) (94 ) 30 32 29 91 Balance at end of period $ 553 $ 1,160 $ 659 $ 2,372 $ 673 $ 986 $ 632 $ 2,291 Credit cards Balance at beginning of period $ 414 $ 823 $ – $ 1,237 $ 436 $ 647 $ – $ 1,083 Provision for credit losses Remeasurement (1) (299 ) 503 610 814 (218 ) 413 467 662 Newly originated or purchased financial assets 111 – – 111 146 – – 146 Derecognition of financial assets and maturities (39 ) (47 ) – (86 ) (50 ) (57 ) – (107 ) Changes in models and methodologies (2) (38 ) 21 – (17 ) – – – – Transfer to (from): Stage 1 262 (262 ) – – 199 (199 ) – – Stage 2 (104 ) 104 – – (107 ) 107 – – Stage 3 – (244 ) 244 – – (188 ) 188 – Gross write-offs – – (1,002 ) (1,002 ) – – (820 ) (820 ) Recoveries – – 145 145 – – 159 159 Foreign exchange and other movements (4 ) (11 ) 3 (12 ) 24 23 6 53 Balance at end of period $ 303 $ 887 $ – $ 1,190 $ 430 $ 746 $ – $ 1,176 Total retail loans Balance at beginning of period $ 1,326 $ 2,247 $ 1,162 $ 4,735 $ 1,298 $ 1,864 $ 957 $ 4,119 Provision for credit losses Remeasurement (1) (1,046 ) 1,417 2,007 2,378 (893 ) 1,146 1,319 1,572 Newly originated or purchased financial assets 422 – – 422 449 – – 449 Derecognition of financial assets and maturities (119 ) (210 ) – (329 ) (122 ) (192 ) – (314 ) Changes in models and methodologies (2) (128 ) 120 – (8 ) – – – – Transfer to (from): Stage 1 949 (898 ) (51 ) – 808 (765 ) (43 ) – Stage 2 (309 ) 511 (202 ) – (282 ) 427 (145 ) – Stage 3 (11 ) (687 ) 698 – (7 ) (517 ) 524 – Gross write-offs – – (2,670 ) (2,670 ) – – (1,914 ) (1,914 ) Recoveries – – 377 377 – – 357 357 Foreign exchange and other movements (27 ) (37 ) (69 ) (133 ) 74 73 60 207 Balance at end of period $ 1,057 $ 2,463 $ 1,252 $ 4,772 $  1,325 $  2,036 $  1,115 $  4,476 Non-retail Business and government Balance at beginning of period $ 635 $ 403 $ 748 $ 1,786 $ 322 $ 320 $ 695 $ 1,337 Provision for credit losses Remeasurement (1) (195 ) 155 434 394 82 72 295 449 Newly originated or purchased financial assets 630 – – 630 294 – – 294 Derecognition of financial assets and maturities (569 ) (74 ) (8 ) (651 ) (241 ) (35 ) (26 ) (302 ) Changes in models and methodologies (2) 200 37 – 237 – – – – Transfer to (from): Stage 1 114 (114 ) – – 60 (60 ) – – Stage 2 (73 ) 76 (3 ) – (31 ) 38 (7 ) – Stage 3 – (12 ) 12 – – (4 ) 4 – Gross write-offs – – (313 ) (313 ) – – (258 ) (258 ) Recoveries – – 48 48 – – 44 44 Foreign exchange and other movements (4 ) (8 ) (94 ) (106 ) 2 11 (27 ) (14 ) Balance at end of period including off-balance $ 738 $ 463 $ 824 $ 2,025 $ 488 $ 342 $ 720 $ 1,550 Less: Allowance for credit losses on off-balance (3) (149 ) (30 ) (36 ) (215 ) (90 ) (28 ) (15 ) (133 ) Balance at end of period (3) $ 589 $ 433 $ 788 $ 1,810 $ 398 $ 314 $ 705 $ 1,417 (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, changes in expert credit judgement overlays, and changes due to drawdowns of undrawn commitments. (2) Includes changes due to enhanced IFRS 9 models to reflect previously established expert credit judgement overlays that are now incorporated in the model. (3) Allowance for credit losses on off-balance
Summary of Carrying Value of Exposures by Risk Rating	Residential mortgages As at July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 206,661 $ 4,514 $ – $ 211,175 $ 202,322 $ 957 $ – $ 203,279 Low 76,911 5,049 – 81,960 88,909 877 – 89,786 Medium 19,294 2,371 – 21,665 19,758 1,385 – 21,143 High 2,546 5,169 – 7,715 3,424 3,428 – 6,852 Very high 12 2,687 – 2,699 63 2,242 – 2,305 Loans not graded (2) 19,496 1,724 – 21,220 17,792 1,161 – 18,953 Default – – 2,197 2,197 – – 1,864 1,864 Total $ 324,920 $ 21,514 $ 2,197 $ 348,631 $  332,268 $  10,050 $ 1,864 $  344,182 Allowance for credit losses 201 416 593 1,210 265 321 498 1,084 Carrying value $ 324,719 $ 21,098 $ 1,604 $ 347,421 $ 332,003 $ 9,729 $ 1,366 $ 343,098 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 30,881 $ – $ – $ 30,881 $ 29,849 $ 211 $ – $ 30,060 Low 20,927 12 – 20,939 27,594 558 – 28,152 Medium 12,977 46 – 13,023 8,725 599 – 9,324 High 10,565 4,585 – 15,150 8,369 3,529 – 11,898 Very high 88 2,614 – 2,702 125 2,177 – 2,302 Loans not graded (2) 20,760 1,949 – 22,709 19,427 1,831 – 21,258 Default – – 1,139 1,139 – – 1,176 1,176 Total $ 96,198 $ 9,206 $ 1,139 $ 106,543 $   94,089 $   8,905 $ 1,176 $  104,170 Allowance for credit losses 553 1,160 659 2,372 647 1,103 664 2,414 Carrying value $ 95,645 $ 8,046 $ 480 $ 104,171 $ 93,442 $ 7,802 $ 512 $ 101,756 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 2,436 $ 3 $ – $ 2,439 $ 1,989 $ 42 $ – $ 2,031 Low 3,184 27 – 3,211 3,329 89 – 3,418 Medium 4,380 62 – 4,442 4,262 116 – 4,378 High 3,159 1,740 – 4,899 3,239 1,310 – 4,549 Very high 33 961 – 994 38 820 – 858 Loans not graded (1) 1,093 568 – 1,661 1,290 585 – 1,875 Default – – – – – – – – Total $ 14,285 $ 3,361 $ – $ 17,646 $   14,147 $   2,962 $ – $   17,109 Allowance for credit losses 303 887 – 1,190 414 823 – 1,237 Carrying value $ 13,982 $ 2,474 $ – $ 16,456 $ 13,733 $ 2,139 $ – $ 15,872 (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 July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 113,637 $ 3 $ – $ 113,640 $ 104,488 $ 3 $      – $ 104,491 Low 17,982 25 – 18,007 20,037 1 – 20,038 Medium 8,101 25 – 8,126 8,518 11 – 8,529 High 3,551 503 – 4,054 3,814 421 – 4,235 Very high 55 275 – 330 68 296 – 364 Loans not graded (1) 12,139 2,430 – 14,569 9,522 1,894 – 11,416 Default – – – – – – – – Carrying value $ 155,465 $ 3,261 $ – $ 158,726 $  146,447 $   2,626 $ – $  149,073 (1) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Total retail loans As at July 31, 2024 As at October 31, 2023 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 353,615 $ 4,520 $ – $ 358,135 $ 338,648 $ 1,213 $ – $ 339,861 Low 119,004 5,113 – 124,117 139,869 1,525 – 141,394 Medium 44,752 2,504 – 47,256 41,263 2,111 – 43,374 High 19,821 11,997 – 31,818 18,846 8,688 – 27,534 Very high 188 6,537 – 6,725 294 5,535 – 5,829 Loans not graded (2) 53,488 6,671 – 60,159 48,031 5,471 – 53,502 Default – – 3,336 3,336 – – 3,040 3,040 Total $ 590,868 $ 37,342 $ 3,336 $ 631,546 $  586,951 $  24,543 $  3,040 $  614,534 Allowance for credit losses 1,057 2,463 1,252 4,772 1,326 2,247 1,162 4,735 Carrying value $ 589,811 $ 34,879 $ 2,084 $ 626,774 $ 585,625 $ 22,296 $ 1,878 $ 609,799 (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. Business and As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 148,265 $ 1,152 $ – $ 149,417 $ 160,148 $ 1,205 $ – $ 161,353 Non-investment grade 126,342 6,740 – 133,082 114,192 7,705 – 121,897 Watch list 24 4,617 – 4,641 28 3,340 – 3,368 Loans not graded (2) 2,657 23 – 2,680 2,500 18 – 2,518 Default – – 3,153 3,153 – – 2,686 2,686 Total $ 277,288 $ 12,532 $ 3,153 $ 292,973 $  276,868 $  12,268 $  2,686 $  291,822 Allowance for credit losses 589 433 788 1,810 535 383 719 1,637 Carrying value $ 276,699 $ 12,099 $ 2,365 $ 291,163 $ 276,333 $ 11,885 $ 1,967 $ 290,185 (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 government As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 235,061 $ 1,458 $ – $ 236,519 $ 240,044 $ 1,673 $ – $ 241,717 Non-investment 60,914 4,168 – 65,082 62,634 5,288 – 67,922 Watch list 3 1,189 – 1,192 1 1,103 – 1,104 Loans not graded (2) 5,246 – – 5,246 5,205 – – 5,205 Default – – 108 108 – – 109 109 Total $ 301,224 $ 6,815 $ 108 $ 308,147 $  307,884 $   8,064 $    109 $  316,057 Allowance for credit losses 149 30 36 215 100 20 29 149 Carrying value $ 301,075 $ 6,785 $ 72 $ 307,932 $ 307,784 $ 8,044 $ 80 $ 315,908 (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. Total non-retail As at July 31, 2024 As at October 31, 2023 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 383,326 $ 2,610 $ – $ 385,936 $ 400,192 $ 2,878 $ – $ 403,070 Non-investment 187,256 10,908 – 198,164 176,826 12,993 – 189,819 Watch list 27 5,806 – 5,833 29 4,443 – 4,472 Loans not graded (2) 7,903 23 – 7,926 7,705 18 – 7,723 Default – – 3,261 3,261 – – 2,795 2,795 Total $ 578,512 $ 19,347 $ 3,261 $ 601,120 $  584,752 $  20,332 $  2,795 $  607,879 Allowance for credit losses 738 463 824 2,025 635 403 748 1,786 Carrying value $ 577,774 $ 18,884 $ 2,437 $ 599,095 $ 584,117 $ 19,929 $ 2,047 $ 606,093 (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	(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 July 31, 2024 (2) ($ millions) 31-60 61-90 91 days (3) Total Residential mortgages $ 1,435 $ 692 $ – $ 2,127 Personal loans 636 355 – 991 Credit cards 237 190 397 824 Business and government 183 71 – 254 Total $  2,491 $  1,308 $  397 $  4,196 As at April 30, 2024 (2) ($ millions) 31-60 61-90 91 days (3) Total Residential mortgages $ 1,433 $ 694 $ – $ 2,127 Personal loans 689 374 – 1,063 Credit cards 247 181 404 832 Business and government 231 89 – 320 Total $  2,600 $  1,338 $  404 $  4,342 As at October 31, 2023 (2) ($ millions) 31-60 61-90 91 days (3) Total Residential mortgages $ 1,329 $ 617 $ – $ 1,946 Personal loans 648 360 – 1,008 Credit cards 238 157 345 740 Business and government 159 57 – 216 Total $  2,374 $  1,191 $  345 $  3,910 (1) Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due. (2) For loans where payment deferrals were granted, deferred payments are not considered past due and such loans are not aged further during the deferral period. Regular ageing of the loans resumes after the end of the deferral period. (3) 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	(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) July 31 April 30 October 31 Unpaid principal balance (1) $ 247 $ 252 $ 307 Credit-related fair value adjustments (30 ) (32 ) (87 ) Carrying value 217 220 220 Stage 3 allowance (1 ) (1 ) (1 ) Carrying value net of related allowance $  216 $  219 $  219 (1) Represents principal amount owed net of write-offs.

Derecognition of financial as_2

Derecognition of financial assets (Tables)	9 Months Ended
	Jul. 31, 2024
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) July 31 (1) April 30 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 11,442 $ 11,564 $ 13,508 Other related assets (2) 7,592 8,032 8,600 Liabilities Carrying value of associated liabilities $ 18,307 $  19,183 $  20,222 (1) The fair value of the transferred assets is $18,697 (April 30, 2024 – $19,068 and October 31, 2023 – $20,264) and the fair value of the associated liabilities is $17,985 (April 30, 2024 – $18,430 and October 31, 2023 – $19,265) for a net position of $712 (2) These include cash held in trust and trust-permitted investment assets, including repurchase-type transactions of mortgage-backed securities, included in the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. The following table provides the carrying amount of the transferred assets and the associated liabilities:   As at ($ millions) July 31 (1) April 30 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 158,912 $ 152,118 $ 140,296 Securities lending agreements 54,636 55,105 56,174 Total 213,548 207,223 196,470 Carrying value of associated liabilities (3) $ 178,595 $  173,602 $  160,007 (1) The fair value of transferred assets is $213,548 (April 30, 2024 – $207,223 and October 31, 2023 – $196,470) and the fair value of the associated liabilities is $178,595 (April 30, 2024 – $173,602 and October 31, 2023 – $160,007) for a net position of $34,953 (April 30, 2024 – $33,621 and October 31, 2023 – $36,463). (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)	9 Months Ended
	Jul. 31, 2024
Investments accounted for using equity method [abstract]
Significant Investments in Associates	The Bank had significant investments in the following associates: As at July 31 April 30 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying Carrying Bank of Xi’an Co. Ltd. (2) China Banking 18.11 % June 30, 2024 $ 957 $  938 $  895 Maduro & Curiel’s Bank N.V. (3) Curacao Banking 48.10 % June 30, 2024 511 498 489 (1) Represents the date of the most recent financial statements made available to the Bank by the associates’ management. (2) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $511 (3) 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 July 31, 2024, these reserves amounted to $73

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Summary of Deposits	As at July 31, 2024 April 30 October 31 Payable on demand (1) Payable after (2) ($ millions) Interest- Non-interest- Payable on a (3) Total Total Total Personal $ 5,193 $ 10,364 $ 142,879 $ 138,314 $ 296,750 $ 292,117 $ 288,617 Business and government 181,077 31,874 56,354 337,659 606,964 605,457 612,267 Financial institutions 10,294 650 2,258 32,285 45,487 44,454 51,449 $ 196,564 $ 42,888 $ 201,491 (4) $ 508,258 $ 949,201 $ 942,028 $ 952,333 Recorded in: Canada $ 145,486 $ 22,844 $ 163,534 $ 359,335 $ 691,199 $  680,489 $  679,196 United States 41,391 36 72 48,664 90,163 90,399 96,807 United Kingdom – – 180 21,996 22,176 22,835 21,562 Mexico 7 7,153 14,665 19,120 40,945 43,303 41,424 Peru 4,450 122 5,676 6,251 16,499 16,268 15,860 Chile 1,557 4,889 146 17,028 23,620 23,327 23,724 Colombia 31 525 4,023 4,670 9,249 10,018 9,580 Other International 3,642 7,319 13,195 31,194 55,350 55,389 64,180 Total (5) $ 196,564 $ 42,888 $ 201,491 $ 508,258 $ 949,201 $ 942,028 $ 952,333 (1) Deposits payable on demand include all deposits for which the Bank does not have the right to notice of withdrawal, generally chequing accounts. (2) Deposits payable after notice include all deposits for which the Bank requires 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 $122 (April 30, 2024 – $120; October 31, 2023 – $123) of non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).
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 five Over Total As at July 31, 2024 $ 62,926 $ 38,797 $ 66,988 $ 111,838 $ 20,235 $ 300,784 As at April 30, 2024 $ 65,328 $ 34,442 $ 65,985 $ 118,006 $ 17,999 $ 301,760 As at October 31, 2023 $  66,726 $  39,525 $  62,675 $  130,384 $  19,021 $  318,331 (1) The majority of foreign term deposits are in excess of $100,000.

Capital and financing transac_2

Capital and financing transactions (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Schedule of Capital and Financing Transactions	For the three months ended July 31, 2024 July 31, 2023 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,229,569,597 $ 21,066 1,198,174,512 $ 19,160 Issued in relation to share-based payments, net 18,688 2 6,252 1 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) 7,750,463 481 7,152,387 466 Outstanding at end of period 1,237,338,748 $  21,549 1,205,333,151 $  19,627 For the nine months ended July 31, 2024 July 31, 2023 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,214,044,420 $ 20,109 1,191,375,095 $ 18,707 Issued in relation to share-based payments, net 133,766 9 404,655 27 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) 23,160,562 1,431 13,553,401 893 Outstanding at end of period 1,237,338,748 $  21,549 1,205,333,151 $  19,627 (1) Commencing with the dividend declared on February 28, 2023 and paid on April 26, 2023, the Bank issued to participants of the Shareholder Dividend and Share Purchase Plan (the Plan), common shares from treasury with a discount of 2% to the average market price (as defined in the Plan). Prior to the dividend paid on April 26, 2023, common shares received by participants under the Plan were shares purchased from the open market at prevailing market prices. Further, effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank will suspend the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and will discontinue issuances of common shares from treasury under the Plan. Effective November 1, 2024, and until such time as the Bank elects otherwise, purchases of common shares under the Plan will be made i

Capital management (Tables)

Capital management (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Summary of Regulatory Capital and Capital Ratios	The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: As at ($ millions) July 31 April 30 2024 October 31 Revised Revised Revised Capital (1)(2) Common Equity Tier 1 capital $ 60,432 $ 59,403 $ 57,041 Net Tier 1 capital 69,299 68,282 65,223 Total regulatory capital 77,411 76,789 75,651 Total loss absorbing capacity (TLAC) (3) 131,832 129,939 134,504 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1)(2)(4) $  453,658 $ 450,191 $ 440,017 Leverage exposures (5) $ 1,556,455  1,555,486  1,562,963 Regulatory ratios (1)(2) Common Equity Tier 1 capital ratio 13.3 % 13.2 % 13.0 % Tier 1 capital ratio 15.3 % 15.2 % 14.8 % Total capital ratio 17.1 % 17.1 % 17.2 % Total loss absorbing capacity ratio (3) 29.1 % 28.9 % 30.6 % Leverage ratio (5) 4.5 % 4.4 % 4.2 % Total loss absorbing capacity leverage ratio (3) 8.5 % 8.4 % 8.6 % (1) Regulatory ratios and amounts reported are under Revised Basel III requirements. (2) Commencing Q1 2024, regulatory capital ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). The prior year regulatory capital ratios were based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (February 2023). (3) This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). (4) As at July 31, 2024, the Bank did not have a regulatory capital floor add-on ( and add-on (5) The leverage ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).

Employee benefits (Tables)

Employee benefits (Tables)	9 Months Ended
	Jul. 31, 2024
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) July 31 April 30 July 31 July 31 April 30 July 31 Defined benefit service cost $ 51 $ 51 $ 55 $ 5 $ 4 $ 5 Interest on net defined benefit (asset) liability (8 ) (7 ) (8 ) 16 17 15 Other 3 3 3 2 (1 ) (2 ) Defined benefit expense $ 46 $ 47 $ 50 $ 23 $ 20 $ 18 Defined contribution expense $ 46 $ 45 $ 40 $ – $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $  138 $   264 $  200 $  (18 ) $   25 $   45 For the nine months ended Pension plans Other benefit plans ($ millions) July 31 July 31 July 31 July 31 Defined benefit service cost $ 154 $ 165 $ 14 $ 15 Interest on net defined benefit (asset) liability (23 ) (25 ) 51 48 Other 9 9 4 – Defined benefit expense $ 140 $ 149 $ 69 $ 63 Defined contribution expense $ 137 $ 117 $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $    (70 ) $   (192 ) $    (51 ) $   (7 ) (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)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Schedule of Operating Segments	For the three months ended July 31, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $ 2,752 $ 2,231 $ 245 $ 392 $ (758 ) $ 4,862 Non-interest (5)(6) 728 776 1,228 961 (191 ) 3,502 Total revenues 3,480 3,007 1,473 1,353 (949 ) 8,364 Provision for credit losses 435 589 10 18 – 1,052 Depreciation and amortization 145 142 48 68 25 428 Other non-interest 1,381 1,395 867 727 151 4,521 Provision for income taxes 409 177 137 122 (394 ) 451 Net income $ 1,110 $ 704 $ 411 $ 418 $ (731 ) $ 1,912 Net income attributable to non-controlling $ – $ 35 $ 3 $ – $ (2 ) $ 36 Net income attributable to equity holders of the Bank $ 1,110 $ 669 $ 408 $ 418 $ (729 ) $ 1,876 Average assets ($ billions) $ 451 $ 234 $ 36 $ 493 $ 209 $ 1,423 Average liabilities ($ billions) $     389 $     180 $     40 $     476 $    256 $   1,341 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for International Banking – $66, Global Wealth Management – $5, and Other – $(17). For the three months ended April 30, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   2,634 $   2,261 $ 225 $ 331 $ (757 ) $  4,694 Non-interest (5)(6) 702 731   1,189 990 41 3,653 Total revenues 3,336 2,992 1,414   1,321 (716 ) 8,347 Provision for credit losses 428 566 7 5 1 1,007 Depreciation and amortization 143 142 47 62 16 410 Other non-interest 1,375 1,395 848 719 (36 ) 4,301 Provision for income taxes 382 194 130 107 (276 ) 537 Net income $ 1,008 $ 695 $ 382 $ 428 $   (421 ) $ 2,092 Net income attributable to non-controlling $ – $ 24 $ 2 $ – $ – $ 26 Net income attributable to equity holders of the Bank $ 1,008 $ 671 $ 380 $ 428 $ (421 ) $ 2,066 Average assets ($ billions) $ 445 $ 235 $ 35 $ 494 $ 202 $ 1,411 Average liabilities ($ billions) $ 389 $ 183 $ 41 $ 470 $ 247 $ 1,330 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $57, Global Wealth Management – $5, and Other – $2. For the three months ended July 31, 2023 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   2,469 $  2,110 $  207 $  337 $  (550 ) $  4,573 Non-interest income (5)(6) 735 725  1,129  1,006 (101 ) 3,494 Total revenues 3,204 2,835 1,336 1,343 (651 ) 8,067 Provision for credit losses 307 516 2 (6 ) – 819 Depreciation and amortization 145 142 44 56 25 412 Other non-interest 1,303 1,346 799 702 (3 ) 4,147 Provision for income taxes 399 192 123 157 (374 ) 497 Net income $ 1,050 $ 639 $ 368 $ 434 $ (299 ) $ 2,192 Net income attributable to non-controlling interests in $ – $ 18 $ 2 $ – $ – $ 20 Net income attributable to equity holders of the Bank $ 1,050 $ 621 $ 366 $ 434 $ (299 ) $ 2,172 Average assets ($ billions) $ 450 $ 241 $ 34 $ 493 $ 184 $ 1,402 Average liabilities ($ billions) $ 376 $ 184 $ 40 $ 450 $ 274 $ 1,324 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $119 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $8, International Banking – $62, Global Wealth Management – $5, and Other – $(20). For the nine months ended July 31, 2024 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $  8,039 $  6,738 $ 691 $ 1,077 $  (2,216 ) $ 14,329 Non-interest income (5)(6) 2,164 2,364  3,561  2,976 (250 ) 10,815 Total revenues 10,203 9,102 4,252 4,053 (2,466 )  25,144 Provision for credit losses 1,241 1,729 22 28 1 3,021 Depreciation and amortization 435 427 142 192 63 1,259 Other non-interest expenses 4,107 4,218 2,530 2,185 100 13,140 Provision for income taxes 1,207 561 394 363 (1,004 ) 1,521 Net income $ 3,213 $ 2,167 $ 1,164 $ 1,285 $ (1,626 ) $ 6,203 Net income attributable to non-controlling interests in subsidiaries $ – $ 81 $ 8 $ – $ (2 ) $ 87 Net income attributable to equity holders of the Bank $ 3,213 $ 2,086 $ 1,156 $ 1,285 $ (1,624 ) $ 6,116 Average assets ($ billions) $ 447 $ 235 $ 35 $ 497 $ 205 $ 1,419 Average liabilities ($ billions) $ 390 $ 182 $ 40 $ 474 $ 253 $ 1,339 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market property, which resulted in a lower TEB gross-up. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $53 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $183, Global Wealth Management – $14, and Other – $(33). For the nine months ended July 31, 2023 ($ millions) Canadian (1)(2) International (1)(2) Global (1) Global (1) Other (1)(3) Total (2) Net interest income (4) $   7,198 $   6,001 $ 629 $   1,175 $   (1,407 ) $   13,596 Non-interest income (5)(6) 2,297 2,260   3,330 3,023 (564 ) 10,346 Total revenues 9,495 8,261 3,959 4,198 (1,971 ) 23,942 Provision for credit losses 743 1,356 5 62 – 2,166 Depreciation and amortization 436 423 133 163 75 1,230 Other non-interest expenses 3,917 3,976 2,330 2,120 21 12,364 Provision for income taxes 1,208 531 380 499 (532 ) 2,086 Net income $ 3,191 $ 1,975 $ 1,111 $ 1,354 $ (1,535 ) $ 6,096 Net income attributable to non-controlling interests in subsidiaries $ – $ 74 $ 7 $ – $ – $ 81 Net income attributable to equity holders of the Bank $ 3,191 $ 1,901 $ 1,104 $ 1,354 $ (1,535 ) $ 6,015 Average assets ($ billions) $ 450 $ 236 $ 34 $ 487 $ 184 $ 1,391 Average liabilities ($ billions) $ 367 $ 178 $ 41 $ 450 $ 278 $ 1,314 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (3) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $358 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments. (4) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (5) Card revenues and Banking services fees are mainly earned in Canadian Banking 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. (6) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $48, International Banking – $194, Global Wealth Management – $13, and Other – $(120).

Interest income and expense (Ta

Interest income and expense (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Details of Interest Income and Interest Expense from Financial Instruments	For the three months ended For the nine months ended July 31, 2024 (1) April 30, 2024 (1) July 31, 2023 (1) July 31, 2024 (1) July 31, 2023 (1) ($ millions) Interest Interest Interest Interest Interest Interest Interest Interest Interest Interest Measured at amortized cost (2) $ 13,657 $ 10,763 $  13,321 $  10,452 $  13,124 $ 10,058 $ 40,517 $ 31,829 $ 37,484 $ 27,960 Measured at FVOCI (2) 1,573 – 1,455 – 1,003 – 4,387 – 2,737 – 15,230 10,763 14,776 10,452 14,127 10,058 44,904 31,829 40,221 27,960 Other 453 (3) 58 (4) 436 (3) 66 (4) 562 (3) 58 (4) 1,430 (3) 176 (4) 1,494 (3) 159 (4) Total $ 15,683 $ 10,821 $ 15,212 $ 10,518 $ 14,689 $  10,116 $ 46,334 $ 32,005 $  41,715 $  28,119 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (2) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (3) Includes dividend income on equity securities. (4) Includes interest on lease liabilities for the three months ended July 31, 2024 – $29 (April 30, 2024 – $30; July 31, 2023 – $29) and for the nine months ended July 31, 2024 – $89 (July 31, 2023 –$84) and insurance finance expense for the three months ended July 31, 2024 – $7 (April 30, 2024 – $8; July 31, 2023 – $7) and for the nine months ended July 31, 2024 – $22 (July 31, 2023 –$19).

Earnings per share (Tables)

Earnings per share (Tables)	9 Months Ended
	Jul. 31, 2024
Text Block [Abstract]
Summary of Earnings Per Share	For the three months ended For the nine months ended ($ millions) July 31 (1) April 30 (1) July 31 (1) July 31 (1) July 31 (1) Basic earnings per common share Net income attributable to common shareholders $ 1,756 $  1,943 $  2,067 $ 5,765 $  5,705 Weighted average number of common shares outstanding (millions) 1,230 1,223 1,199 1,222 1,194 Basic earnings per common share (2) (in dollars) $ 1.43 $ 1.59 $ 1.72 $ 4.72 $ 4.78 Diluted earnings per common share Net income attributable to common shareholders $ 1,756 $ 1,943 $ 2,067 $ 5,765 $ 5,705 Dilutive impact of share-based payment options and others (3) (15 ) (15 ) 2 (46 ) (25 ) Net income attributable to common shareholders (diluted) $ 1,741 $ 1,928 $ 2,069 $ 5,719 $ 5,680 Weighted average number of common shares outstanding (millions) 1,230 1,223 1,199 1,222 1,194 Dilutive impact of share-based payment options and others (3) (millions) 5 5 15 6 7 Weighted average number of diluted common shares outstanding (millions) 1,235 1,228 1,214 1,228 1,201 Diluted earnings per common share (2) (in dollars) $ 1.41 $ 1.57 $ 1.70 $ 4.66 $ 4.73 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4. (2) Earnings per share calculations are based on full dollar and share amounts. (3) Certain 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)	9 Months Ended
	Jul. 31, 2024
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 exposures and product type for retail exposures. Exposure at default (1) As at July 31, 2024 April 30 October 31 Revised Basel III Revised Revised ($ millions) IRB Standardized Total Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 463,568 $ 70,334 $ 533,902 $ 537,941 $ 557,552 Undrawn commitments 93,615 6,621 100,236 99,489 103,721 Other exposures (4) 110,367 16,924 127,291 129,656 125,367 Total non-retail $ 667,550 $ 93,879 $ 761,429 $ 767,086 $ 786,640 Retail (5) Drawn $ 295,961 $ 118,503 $ 414,464 $ 408,209 $ 403,635 Undrawn commitments 110,573 9,287 119,860 117,685 108,354 Other exposures – 62 62 59 58 Total retail $ 406,534 $ 127,852 $ 534,386 $ 525,953 $ 512,047 Total $ 1,074,084 $ 221,731 $ 1,295,815 $  1,293,039 $  1,298,687 (1) After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets. (2) Non-retail drawn exposures include government guaranteed and privately insured mortgages and retail loans. (3) Non-retail drawn includes loans, bankers’ acceptances, deposits with financial institutions and FVOCI debt securities. (4) Includes off-balance sheet lending instruments such as letters of credit, letters of guarantee, securitizations, over-the-counter derivatives and repo-style transactions net of related collateral. (5) Retail includes residential mortgages, credit cards, lines of credit, other personal loans and small business treated as other regulatory retail.
Summary of VaR by Risk Factor	Value at Risk (VaR) is a key measure of market risk in the Bank’s trading activities. In conjunction with the Bank’s implementation of the Fundamental Review of the Trading Book (FRTB) in Q1 2024, additional portfolios have been included in the VaR calculation. Prior periods have been restated to reflect this change. The table below shows the Bank’s VaR by risk factor: For the three months ended As at July 31, 2024 July 31 April 30 July 31 ($ millions) Average High Low 2024 2024 2023 Credit spread plus interest rate $ 12.7 $ 16.8 $ 9.7 $ 9.8 $  17.9 $  12.6 Credit spread 7.7 11.8 5.9 6.1 12.3 6.9 Interest rate 13.7 20.7 7.3 7.3 23.0 10.5 Equities 4.6 5.9 3.4 5.1 4.9 3.1 Foreign exchange 2.1 4.5 1.1 2.4 2.5 1.6 Commodities 2.1 4.1 1.3 3.8 1.7 3.7 Debt specific 3.0 4.0 2.3 3.1 2.8 2.6 Diversification effect (10.6 ) n/a n/a (15.1 ) (11.0 ) (11.3 ) Total VaR $ 13.9 $ 19.1 $ 8.8 $ 9.1 $ 18.8 $ 12.3
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 (1) Gains/(Losses) Cumulative change in fair value (2) Gains/(Losses) As at For the three months ended As at ($ millions) July 31 April 30 July 31 July 31 April 30 July 31 July 31 April 30 July 31 Liabilities Senior note liabilities (3) $ 37,754 $ 32,987 $ 28,893 $ (1,478 ) $ 1,058 $ (1,906 ) $ 3,981 $ 5,459 $ 4,567 (1) Change in the difference between the contractual maturity amount and the carrying value. (2) The cumulative change in fair value is measured from the instruments’ date of initial recognition. (3) 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 income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.
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 Carrying value Difference Changes in fair value income Gains/(Losses) Cumulative changes (1) As at July 31, 2024 $ 41,735 $ 37,754 $ 3,981 $ 127 $ (867 ) As at April 30, 2024 $ 38,446 $ 32,987 $ 5,459 $ (474 ) $  (994 ) As at July 31, 2023 $  33,460 $  28,893 $  4,567 $  (1,848 ) $ (48 ) (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 assets, such as property and equipment, investments in associates, precious metals, goodwill and other intangible assets. As at  July 31, 2024 (1) April 30, 2024 (1) October 31, 2023 (1) ($ millions) Total fair Total Total fair Total Total fair Total Assets: Cash and deposits with financial institutions $  58,329 $ $ 58,631 $ 58,631 $ 90,312 $ 90,312 Trading assets 133,999 133,999  132,280  132,280  117,868  117,868 Securities purchased under resale agreements and securities borrowed 193,796 193,796 192,858 192,858 199,325 199,325 Derivative financial instruments 39,987 39,987 44,856 44,856 51,340 51,340 Investment securities – FVOCI and FVTPL 120,660 120,660 112,739 112,739 86,253 86,253 Investment securities – amortized cost 30,046 31,116 30,452 32,045 29,816 31,984 Loans 753,762 759,211 743,991 753,526 736,366 750,911 Customers’ liability under acceptances 3,282 3,282 9,117 9,117 18,628 18,628 Other financial assets 23,725 23,725 24,644 24,644 26,614 26,614 Liabilities: Deposits 945,074 949,201 935,374 942,028 942,112 952,333 Financial instruments designated at fair value through profit or loss 37,754 37,754 32,987 32,987 26,779 26,779 Acceptances 3,330 3,330 9,205 9,205 18,718 18,718 Obligations related to securities sold short 32,672 32,672 37,780 37,780 36,403 36,403 Derivative financial instruments 47,364 47,364 52,861 52,861 58,660 58,660 Obligations related to securities sold under repurchase agreements and securities lent 178,595 178,595 173,602 173,602 160,007 160,007 Subordinated debentures 7,657 7,716 8,017 8,129 9,358 9,693 Other financial liabilities 45,910 46,559 44,623 45,634 49,363 51,302 (1) The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.
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 July 31, 2024 April 30, 2024 ($ 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) $ – $ 2,419 $ – $ 2,419 $ – $ 1,253 $ – $ 1,253 Trading assets Loans – 7,614 28 7,642 – 7,133 8 7,141 Canadian federal government and government guaranteed debt 12,312 3,364 – 15,676 14,682 2,758 – 17,440 Canadian provincial and municipal debt 5,733 1,905 – 7,638 5,941 3,963 – 9,904 U.S. treasury and other U.S. agencies’ debt 12,596 – – 12,596 12,825 1 – 12,826 Other foreign governments’ debt 849 11,639 – 12,488 716 11,604 – 12,320 Corporate and other debt 4,335 6,489 12 10,836 4,263 6,755 – 11,018 Equity securities 64,663 212 8 64,883 59,506 73 4 59,583 Other – 2,240 – 2,240 – 2,048 – 2,048 $  100,488 $  33,463 $ 48 $ 133,999 $  97,933 $ 34,335 $ 12 $ 132,280 Investment securities (2) Canadian federal government and government guaranteed debt $ 14,779 $ 6,080 $ – $ 20,859 $ 11,531 $ 6,641 $ – $ 18,172 Canadian provincial and municipal debt 9,825 6,644 – 16,469 7,399 7,084 – 14,483 U.S. treasury and other U.S. agencies’ debt 40,155 5,105 – 45,260 38,902 5,037 – 43,939 Other foreign governments’ debt 3,657 27,069 – 30,726 2,749 26,437 – 29,186 Corporate and other debt 253 3,138 38 3,429 60 3,119 42 3,221 Equity securities 1,790 343  1,784 3,917 1,657 334 1,747 3,738 $ 70,459 $ 48,379 $ 1,822 $ 120,660 $ 62,298 $ 48,652 $  1,789 $  112,739 Derivative financial instruments Interest rate contracts $ – $ 11,563 $ 8 $ 11,571 $ – $ 13,779 $ – $ 13,779 Foreign exchange and gold contracts – 21,050 – 21,050 – 24,424 – 24,424 Equity contracts 125 4,402 41 4,568 77 3,660 14 3,751 Credit contracts – 242 13 255 – 295 2 297 Commodity contracts – 2,537 6 2,543 – 2,599 6 2,605 $ 125 $ 39,794 $ 68 $ 39,987 $ 77 $ 44,757 $ 22 $ 44,856 Liabilities: Deposits (3) $ – $ 136 $ – $ 136 $ – $ 21 $ – $ 21 Financial liabilities designated at fair value through profit or loss – 37,754 – 37,754 –  32,987 – 32,987 Obligations related to securities sold short 27,872 4,800 – 32,672  31,587 6,193 – 37,780 Derivative financial instruments Interest rate contracts – 18,644 – 18,644 – 21,956 – 21,956 Foreign exchange and gold contracts – 21,994 – 21,994 – 24,447 – 24,447 Equity contracts 129 4,141 23 4,293 138 3,327 12 3,477 Credit contracts – 33 1 34 – 25 1 26 Commodity contracts – 2,390 9 2,399 – 2,946 9 2,955 $  129 $  47,202 $  33 $ 47,364 $ 138 $ 52,701 $ 22 $ 52,861 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. (2) Excludes debt investment securities measured at amortized cost of $31,116 (April 30, 2024 – $32,045). (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. As at October 31, 2023 ($ millions) Level 1 Level 2 Level 3 Total Instruments carried at fair value on a recurring basis: Assets: Precious metals (1) $ – $ 937 $ – $ 937 Trading assets Loans – 7,540 4 7,544 Canadian federal government and government guaranteed debt 13,766 3,603 – 17,369 Canadian provincial and municipal debt 5,299 4,154 – 9,453 U.S. treasury and other U.S. agencies’ debt 11,218 – – 11,218 Other foreign governments’ debt 19 10,626 – 10,645 Corporate and other debt 3,431 7,748 – 11,179 Equity securities 47,665 67 16 47,748 Other – 2,712 – 2,712 $ 81,398 $ 36,450 $ 20 $  117,868 Investment securities (2) Canadian federal government and government guaranteed debt $ 7,674 $ 4,713 $ – $ 12,387 Canadian provincial and municipal debt 3,695 3,451 – 7,146 U.S. treasury and other U.S. agencies’ debt 25,058 3,640 – 28,698 Other foreign governments’ debt 2,527 28,891 – 31,418 Corporate and other debt – 2,512 40 2,552 Equity securities 2,010 333 1,709 4,052 $  40,964 $  43,540 $  1,749 $ 86,253 Derivative financial instruments Interest rate contracts $ – $ 15,942 $ – $ 15,942 Foreign exchange and gold contracts – 29,465 2 29,467 Equity contracts 54 3,066 27 3,147 Credit contracts – 342 2 344 Commodity contracts – 2,430 10 2,440 $ 54 $ 51,245 $ 41 $ 51,340 Liabilities: Deposits (3) $ – $ (95 ) $ – $ (95 ) Financial liabilities designated at fair value through profit or loss – 26,779 –  26,779 Obligations related to securities sold short 29,921 6,482 – 36,403 Derivative financial instruments Interest rate contracts – 25,079 2 25,081 Foreign exchange and gold contracts – 28,013 – 28,013 Equity contracts 135 3,106 17 3,258 Credit contracts – 27 1 28 Commodity contracts – 2,274 6 2,280 $ 135 $ 58,499 $ 26 $ 58,660 (1) The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell. (2) Excludes debt investment securities measured at amortized cost of $31,984. (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amoritized cost.
Summary of Changes in Level 3 Instruments Carried at Fair Value	The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended July 31, 2024. All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. As at July 31, 2024 ($ millions) Fair value, Gains/ Gains/ Purchases/ Sales/ Transfers Fair value, Changes in (1) Trading assets Loans $ 8 $  – $ – $ 27 $ – $ (7 ) $ 28 $ – Corporate and other debt – – – 8 – 4 12 – Equity securities 4 – – 3 (1 ) 2 8 – 12 – – 38 (1 ) (1 ) 48 – Investment securities Corporate and other debt 42 – 3 – – (7 ) 38 – Equity securities 1,747 26 (4 ) 48 (36 ) 3 1,784 26 1,789 26 (1 ) 48 (36 ) (4 ) 1,822 26 Derivative financial Interest rate contracts – – – 8 – – 8 – Equity contracts 14 (1 ) – 1 – 27 41 (1 ) (2) Credit contracts 2 (1 ) – – – 12 13 (1 ) Commodity contracts 6 – – – – – 6 – Derivative financial Equity contracts (12 ) 1 – (3 ) – (9 ) (23 ) 1 (2) Credit contracts (1 ) – – – – – (1 ) – Commodity contracts (9 ) – – – – – (9 ) – – (1 ) – 6 – 30 35 (1 ) Total $  1,801 $  25 $   (1 ) $  92 $  (37 ) $  25 $  1,905 $  25 (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 The following tables summarize the changes in Level 3 instruments carried at fair value for the three months ended April 30, 2024 and October 31, 2023. As at April 30, 2024 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers into/ out of Level 3 Fair value, Trading assets $ 5 $ (1 ) $    – $ 1 $ (1 ) $     8 $ 12 Investment securities  1,832   60 (103 )  58  (57 ) (1 )  1,789 Derivative financial instruments 22 (10 ) – 1 1 (14 ) – (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. As at October 31, 2023 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Trading assets $ 1 $   – $     – $ 1 $ – $   18 $ 20 Investment securities  1,807 (11 ) 3  84  (29 ) (105 )  1,749 Derivative financial instruments 18 (6 ) – 2 – 1 15 Obligations related to securities sold short (1 ) – – – 1 – – (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.

Cash and Deposits with Financ_3

Cash and Deposits with Financial Institutions - Summary of Cash and Deposits with Financial Institutions (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023	Jul. 31, 2023	Apr. 30, 2023	Oct. 31, 2022
Disclosure Of Cash And Cash Equivalents [abstract]
Cash and non-interest-bearing deposits with financial institutions	[1],[2]	$ 9,253	$ 9,769	$ 10,173	$ 12,635	$ 9,292	$ 11,065
Interest-bearing deposits with financial institutions		49,076	48,862	80,139
Total	[2],[3]	$ 58,329	$ 58,631	$ 90,312
[1]Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 6).[2]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[3]Net of allowances of $3 (April 30, 2024 – $3; October 31, 2023 – $7).

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	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Cash and Deposits with Financial Institutions [member]
Cash And Cash Equivalents And Short-term Deposits [line items]
Net of allowances	$ 3	$ 3	$ 7

Cash and Deposits with Financ_5

Cash and Deposits with Financial Institutions - Additional Information (Detail) - CAD ($) $ in Millions	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Mandatory Reserve Deposits At Central Banks [abstract]
Cash balances required to maintain with central banks, other regulatory authorities and certain counterparties	$ 5,507	$ 5,817	$ 5,758

Investment Securities - Disclos

Investment Securities - Disclosure of Carrying Value of Banks Investment Securities Per Measurement Category (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
Investment securities	[1]	$ 151,776	$ 144,784	$ 118,237
Debt Investments [member] | Financial assets measured at fair value through other comprehensive income, category [member]
Disclosure of financial assets [line items]
Investment securities		116,696	108,947	82,150
Debt Investments [member] | Financial assets at amortised cost, category [member]
Disclosure of financial assets [line items]
Investment securities		31,116	32,045	31,984
Debt Investments [member] | Financial assets at fair value through profit or loss, category [member]
Disclosure of financial assets [line items]
Investment securities		47	54	51
Equity securities [member] | Investments in equity instruments designated at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Investment securities		1,877	1,752	2,164
Equity securities [member] | Financial assets at fair value through profit or loss, category [member]
Disclosure of financial assets [line items]
Investment securities		$ 2,040	$ 1,986	$ 1,888
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

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	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
Cost	$ 117,757	$ 112,165	$ 86,058
Gross unrealized gains	882	147	133
Gross unrealized losses	1,943	3,365	4,041
Fair value	116,696	108,947	82,150
Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	20,836	18,504	12,794
Gross unrealized gains	186	9	6
Gross unrealized losses	163	341	413
Fair value	20,859	18,172	12,387
Canadian provincial and municipal debt [member]
Disclosure of financial assets [line items]
Cost	16,476	14,933	7,680
Gross unrealized gains	207	12	2
Gross unrealized losses	214	462	536
Fair value	16,469	14,483	7,146
U.S. treasury and other U.S. agency debt [member]
Disclosure of financial assets [line items]
Cost	46,017	45,728	30,741
Gross unrealized gains	292	16	32
Gross unrealized losses	1,049	1,805	2,075
Fair value	45,260	43,939	28,698
Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	31,014	29,756	32,246
Gross unrealized gains	169	106	91
Gross unrealized losses	473	693	936
Fair value	30,710	29,169	31,401
Other debt [member]
Disclosure of financial assets [line items]
Cost	3,414	3,244	2,597
Gross unrealized gains	28	4	2
Gross unrealized losses	44	64	81
Fair value	$ 3,398	$ 3,184	$ 2,518

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		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Financial assets at fair value, investment securities [member]
Disclosure of financial assets [line items]
Cost		$ 30,046	$ 30,452	$ 29,816
Financial assets at fair value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost		9,621	9,538	9,927
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		18,126	18,409	17,912
Financial assets at fair value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost		2,088	2,307	1,860
Financial assets at fair value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost		211	198	117
Financial assets at carrying value, investment securities [member]
Disclosure of financial assets [line items]
Cost	[1]	31,116	32,045	31,984
Financial assets at carrying value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	[1]	9,672	9,724	10,211
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]	19,154	19,812	19,788
Financial assets at carrying value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	[1]	2,089	2,316	1,871
Financial assets at carrying value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost	[1]	$ 201	$ 193	$ 114
[1]Balances are net of allowances, which are $1 (April 30, 2024 – $1; October 31, 2023 – $1).

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	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Debt securities [member]
Disclosure of financial assets [line items]
Allowance account for credit losses of financial assets	$ 1	$ 1	$ 1

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	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of financial assets [line items]
Cost	$ 1,375	$ 1,375	$ 1,947
Gross unrealized gains	574	461	390
Gross unrealized losses	72	84	173
Fair value	1,877	1,752	2,164
Common shares [member]
Disclosure of financial assets [line items]
Cost	1,375	1,375	1,947
Gross unrealized gains	574	461	390
Gross unrealized losses	72	84	173
Fair value	$ 1,877	$ 1,752	$ 2,164

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Fair value of disposed equity securities	$ 0.2	$ 453	$ 778	$ 938	$ 1,586
Cumulative after-tax gain/(loss) on equity securities designated at FVOCI	0.2	39	(126)	21	(193)
Dividend income	$ 21	$ 33	$ 37	$ 101	$ 112

Loans, Impaired Loans and All_3

Loans, Impaired Loans and Allowance for Credit Losses - Schedule of Loans at Amortized Cost (Detail) - CAD ($) $ in Millions	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Gross carrying amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 765,793	$ 760,033	$ 757,283
Gross carrying amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	348,631	344,168	344,182
Gross carrying amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	106,543	105,528	104,170
Gross carrying amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	17,646	17,579	17,109
Gross carrying amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	292,973	292,758	291,822
Net Carrying Amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	759,211	753,526	750,911
Net Carrying Amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	347,421	342,980	343,098
Net Carrying Amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	104,171	103,188	101,756
Net Carrying Amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	16,456	16,340	15,872
Net Carrying Amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	291,163	291,018	290,185
Financial assets individually assessed for credit losses [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	6,582	6,507	6,372
Financial assets individually assessed for credit losses [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	1,210	1,188	1,084
Financial assets individually assessed for credit losses [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	2,372	2,340	2,414
Financial assets individually assessed for credit losses [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	1,190	1,239	1,237
Financial assets individually assessed for credit losses [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 1,810	$ 1,740	$ 1,637

Loans, Impaired Loans and All_4

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	$ 765,793	$ 760,033	$ 757,283
Allowance for credit losses	[1]	6,582	6,507	6,372
Net	[1]	759,211	753,526	750,911
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		348,631		344,182
Allowance for credit losses		1,210		1,084
Net		347,421		343,098
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		106,543		104,170
Allowance for credit losses		2,372		2,414
Net		104,171		101,756
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		292,973		291,822
Allowance for credit losses		1,810		1,637
Net		291,163		290,185
Financial instruments credit-impaired [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	6,489	6,399	5,726
Allowance for credit losses	[2]	2,040	2,000	1,881
Net	[2]	4,449	4,399	3,845
Financial instruments credit-impaired [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	1,868	1,774	1,564
Allowance for credit losses	[2]	552	533	514
Net	[2]	1,316	1,241	1,050
Financial instruments credit-impaired [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	6	6
Allowance for credit losses	[2]	1	1
Net	[2]	5	5
Financial instruments credit-impaired [member] | Mexico [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	1,369	1,370	1,183
Allowance for credit losses	[2]	399	401	372
Net	[2]	970	969	811
Financial instruments credit-impaired [member] | Peru [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	733	734	691
Allowance for credit losses	[2]	394	389	372
Net	[2]	339	345	319
Financial instruments credit-impaired [member] | Chile [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	1,300	1,258	1,098
Allowance for credit losses	[2]	292	283	264
Net	[2]	1,008	975	834
Financial instruments credit-impaired [member] | Colombia [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	364	401	356
Allowance for credit losses	[2]	142	135	97
Net	[2]	222	266	259
Financial instruments credit-impaired [member] | Other International [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	849	856	834
Allowance for credit losses	[2]	260	258	262
Net	[2]	589	598	572
Financial instruments credit-impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	2,197	2,178	1,864
Allowance for credit losses	[2]	593	580	498
Net	[2]	1,604	1,598	1,366
Financial instruments credit-impaired [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	1,139	1,175	1,176
Allowance for credit losses	[2]	659	656	664
Net	[2]	480	519	512
Financial instruments credit-impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[2]	3,153	3,046	2,686
Allowance for credit losses	[2]	788	764	719
Net	[2]	$ 2,365	$ 2,282	$ 1,967
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Interest income recognized on impaired loans during the three months ended July 31, 2024 was $22 (April 30, 2024 – $22; October 31, 2023 – $15).

Loans, Impaired Loans and All_5

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Impaired loans [abstract]
Interest income recognized on impaired loans	$ 22	$ 22	$ 15

Loans, Impaired Loans and All_6

Loans, Impaired Loans and Allowance for Credit Losses - Summary of Key Macroeconomic Variables Used for Allowance for Credit Losses Calculations (Detail)	3 Months Ended
	Jul. 31, 2024 $ / lb $ / bbl	Apr. 30, 2024 $ / lb $ / bbl	Oct. 31, 2023 $ / bbl $ / lb
Base case scenario [member] | Canada [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1.90%	1.70%	0.70%
Unemployment rate, average %	6.40%	6.40%	6%
Bank of Canada overnight rate target, average %	3.90%	4.40%	4.80%
HPI - Housing Price Index, y/y % change	0.80%	(0.70%)	(1.90%)
Consumer price Index, y/y %	2.40%	2.50%	2.80%
USD/CAD exchange rate, average	1.35	1.34	1.27
Base case scenario [member] | Canada [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.20%	2.10%	2.90%
Unemployment rate, average %	6.10%	6.10%	5.70%
Bank of Canada overnight rate target, average %	2.90%	2.60%	2.60%
HPI - Housing Price Index, y/y % change	3.50%	4%	1.40%
Consumer price Index, y/y %	1.90%	1.80%	2%
USD/CAD exchange rate, average	1.29	1.29	1.24
Base case scenario [member] | United States [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1.70%	2%	1%
Unemployment rate, average %	4.10%	3.90%	4.10%
Consumer price Index, y/y %	2.80%	3.10%	3.20%
Target federal funds rate, upper limit, average %	4.70%	5.10%	5.30%
Base case scenario [member] | United States [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.20%	2.20%	1.90%
Unemployment rate, average %	4.20%	4.40%	4.50%
Consumer price Index, y/y %	2.20%	2.20%	2.20%
Target federal funds rate, upper limit, average %	3%	2.70%	2.50%
Base case scenario [member] | Mexico [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.10%	2.50%	1.70%
Unemployment rate, average %	3.30%	3.20%	3.70%
Base case scenario [member] | Mexico [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1.90%	1.80%	2.20%
Unemployment rate, average %	3.80%	3.80%	3.90%
Base case scenario [member] | Chile [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.20%	2.90%	1.30%
Unemployment rate, average %	7.90%	7.80%	8.50%
Base case scenario [member] | Chile [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.10%	2.50%	2.90%
Unemployment rate, average %	6.50%	6.80%	7%
Base case scenario [member] | Peru [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.60%	2.70%	1.90%
Unemployment rate, average %	7.10%	6.40%	6.90%
Base case scenario [member] | Peru [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.20%	3%	2.70%
Unemployment rate, average %	6.90%	6.80%	7%
Base case scenario [member] | Colombia [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1.80%	1.60%	2.40%
Unemployment rate, average %	11.10%	10.70%	9.20%
Base case scenario [member] | Colombia [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.80%	2.90%	3%
Unemployment rate, average %	10.30%	10.20%	9.90%
Base case scenario [member] | Caribbean [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.70%	3.80%	3.80%
Base case scenario [member] | Caribbean [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.80%	3.80%	3.80%
Base case scenario [member] | Global WTI oil price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	79	80	78
Base case scenario [member] | Global WTI oil price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	69	70	66
Base case scenario [member] | Global Copper price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	4.91	4.16	3.97
Base case scenario [member] | Global Copper price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	5.1	5.11	5.01
Base case scenario [member] | Global GDP and PPP [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	3.30%	2.58%	2.75%
Base case scenario [member] | Global GDP and PPP [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	2.50%	2.72%	2.45%
Alternative Scenario - Optimistic [member] | Canada [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.80%	2.80%	1.30%
Unemployment rate, average %	6.10%	5.90%	5.70%
Bank of Canada overnight rate target, average %	4%	4.60%	4.80%
HPI - Housing Price Index, y/y % change	1.90%	0%	(1.40%)
Consumer price Index, y/y %	2.50%	2.70%	2.80%
USD/CAD exchange rate, average	1.34	1.34	1.27
Alternative Scenario - Optimistic [member] | Canada [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.20%	3.30%	4.20%
Unemployment rate, average %	5%	4.70%	4.20%
Bank of Canada overnight rate target, average %	3.60%	3.50%	3.50%
HPI - Housing Price Index, y/y % change	4.70%	5.40%	2.90%
Consumer price Index, y/y %	2.30%	2.30%	2.50%
USD/CAD exchange rate, average	1.28	1.28	1.22
Alternative Scenario - Optimistic [member] | United States [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.40%	2.90%	1.50%
Unemployment rate, average %	3.90%	3.70%	3.90%
Consumer price Index, y/y %	3%	3.30%	3.50%
Target federal funds rate, upper limit, average %	4.80%	5.40%	5.40%
Alternative Scenario - Optimistic [member] | United States [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.10%	3.10%	2.70%
Unemployment rate, average %	3.80%	3.90%	4.10%
Consumer price Index, y/y %	2.60%	2.70%	2.60%
Target federal funds rate, upper limit, average %	3.70%	3.80%	3.40%
Alternative Scenario - Optimistic [member] | Mexico [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.60%	3.50%	2.60%
Unemployment rate, average %	3.20%	2.90%	3.60%
Alternative Scenario - Optimistic [member] | Mexico [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.70%	3%	3.30%
Unemployment rate, average %	3.30%	2.70%	3.20%
Alternative Scenario - Optimistic [member] | Chile [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	5%	5.30%	2.80%
Unemployment rate, average %	7.40%	7.20%	8.20%
Alternative Scenario - Optimistic [member] | Chile [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3%	4.20%	4.60%
Unemployment rate, average %	5.80%	5.60%	6.30%
Alternative Scenario - Optimistic [member] | Peru [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.50%	3.70%	2.70%
Unemployment rate, average %	6.60%	5.90%	6.20%
Alternative Scenario - Optimistic [member] | Peru [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.70%	4.20%	3.90%
Unemployment rate, average %	4.90%	5.10%	5.10%
Alternative Scenario - Optimistic [member] | Colombia [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.30%	2.90%	3.70%
Unemployment rate, average %	10.40%	10%	8.60%
Alternative Scenario - Optimistic [member] | Colombia [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.30%	4.20%	4.30%
Unemployment rate, average %	7.80%	8.20%	7.90%
Alternative Scenario - Optimistic [member] | Caribbean [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.20%	4.80%	4.50%
Alternative Scenario - Optimistic [member] | Caribbean [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.50%	5%	4.90%
Alternative Scenario - Optimistic [member] | Global WTI oil price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	84	85	84
Alternative Scenario - Optimistic [member] | Global WTI oil price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	85	87	82
Alternative Scenario - Optimistic [member] | Global Copper price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	5.09	4.31	4.11
Alternative Scenario - Optimistic [member] | Global Copper price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	5.7	5.75	5.65
Alternative Scenario - Optimistic [member] | Global GDP and PPP [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	4.30%	3.62%	3.62%
Alternative Scenario - Optimistic [member] | Global GDP and PPP [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	3.40%	3.75%	3.48%
Alternative Scenario - Pessimistic [member] | Canada [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(1.80%)	(2.00%)	(2.20%)
Unemployment rate, average %	8.20%	8.10%	7.60%
Bank of Canada overnight rate target, average %	3.40%	3.90%	3.60%
HPI - Housing Price Index, y/y % change	(4.90%)	(6.40%)	(5.50%)
Consumer price Index, y/y %	1.60%	1.80%	1.80%
USD/CAD exchange rate, average	1.46	1.44	1.41
Alternative Scenario - Pessimistic [member] | Canada [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3%	2.90%	3.50%
Unemployment rate, average %	7%	7%	6.30%
Bank of Canada overnight rate target, average %	2.10%	1.90%	1.40%
HPI - Housing Price Index, y/y % change	4.30%	4.70%	2.20%
Consumer price Index, y/y %	1.60%	1.50%	1.60%
USD/CAD exchange rate, average	1.27	1.27	1.26
Alternative Scenario - Pessimistic [member] | United States [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(1.80%)	(1.50%)	(2.00%)
Unemployment rate, average %	5.80%	5.50%	5.60%
Consumer price Index, y/y %	1.70%	2%	1.90%
Target federal funds rate, upper limit, average %	4.10%	4.40%	4.20%
Alternative Scenario - Pessimistic [member] | United States [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.10%	3.10%	2.70%
Unemployment rate, average %	4.80%	5%	5%
Consumer price Index, y/y %	1.90%	1.80%	1.80%
Target federal funds rate, upper limit, average %	1.80%	1.60%	0.80%
Alternative Scenario - Pessimistic [member] | Mexico [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(0.20%)	0.70%	(0.20%)
Unemployment rate, average %	4.20%	4%	4.70%
Alternative Scenario - Pessimistic [member] | Mexico [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.50%	2.40%	2.70%
Unemployment rate, average %	4%	3.90%	4.10%
Alternative Scenario - Pessimistic [member] | Chile [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	0%	(0.20%)	(0.90%)
Unemployment rate, average %	9.50%	9.60%	9.60%
Alternative Scenario - Pessimistic [member] | Chile [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.90%	3.30%	3.50%
Unemployment rate, average %	6.80%	7.10%	7.30%
Alternative Scenario - Pessimistic [member] | Peru [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1.70%	1.30%	0.80%
Unemployment rate, average %	8.60%	7.70%	8.30%
Alternative Scenario - Pessimistic [member] | Peru [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.60%	3.40%	3.10%
Unemployment rate, average %	7.30%	7.20%	7.30%
Alternative Scenario - Pessimistic [member] | Colombia [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	0.90%	0.20%	1.40%
Unemployment rate, average %	13.30%	12.90%	11.10%
Alternative Scenario - Pessimistic [member] | Colombia [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.20%	3.40%	3.40%
Unemployment rate, average %	10.90%	10.70%	10.30%
Alternative Scenario - Pessimistic [member] | Caribbean [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	2.80%	2.50%	2.80%
Alternative Scenario - Pessimistic [member] | Caribbean [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.20%	4.20%	4.20%
Alternative Scenario - Pessimistic [member] | Global WTI oil price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	64	65	68
Alternative Scenario - Pessimistic [member] | Global WTI oil price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	60	62	63
Alternative Scenario - Pessimistic [member] | Global Copper price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	4.39	3.81	3.7
Alternative Scenario - Pessimistic [member] | Global Copper price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	4.93	4.97	4.89
Alternative Scenario - Pessimistic [member] | Global GDP and PPP [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	0.30%	(0.38%)	0.10%
Alternative Scenario - Pessimistic [member] | Global GDP and PPP [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	3.20%	3.42%	3.10%
Alternative Scenario - Very Pessimistic [Member] | Canada [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(4.40%)	(4.60%)	(4.30%)
Unemployment rate, average %	10.60%	10.50%	9.70%
Bank of Canada overnight rate target, average %	4.80%	5.50%	5.80%
HPI - Housing Price Index, y/y % change	(6.50%)	(8.00%)	(6.80%)
Consumer price Index, y/y %	5.90%	6.40%	6.40%
USD/CAD exchange rate, average	1.51	1.5	1.47
Alternative Scenario - Very Pessimistic [Member] | Canada [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.50%	3.40%	3.90%
Unemployment rate, average %	7.40%	7.40%	6.60%
Bank of Canada overnight rate target, average %	3.50%	3.20%	3.30%
HPI - Housing Price Index, y/y % change	3.50%	3.90%	1.50%
Consumer price Index, y/y %	2.10%	2%	2.20%
USD/CAD exchange rate, average	1.29	1.3	1.28
Alternative Scenario - Very Pessimistic [Member] | United States [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(3.90%)	(3.60%)	(3.80%)
Unemployment rate, average %	7.70%	7.30%	7.20%
Consumer price Index, y/y %	6.60%	7%	7%
Target federal funds rate, upper limit, average %	5.60%	6%	6.30%
Alternative Scenario - Very Pessimistic [Member] | United States [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.40%	3.40%	3%
Unemployment rate, average %	5.10%	5.30%	5.20%
Consumer price Index, y/y %	2.40%	2.40%	2.50%
Target federal funds rate, upper limit, average %	3.60%	3.20%	3.10%
Alternative Scenario - Very Pessimistic [Member] | Mexico [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(2.10%)	(2.30%)	(2.80%)
Unemployment rate, average %	6.20%	6.10%	6.80%
Alternative Scenario - Very Pessimistic [Member] | Mexico [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.10%	3%	3.20%
Unemployment rate, average %	4.80%	4.80%	4.90%
Alternative Scenario - Very Pessimistic [Member] | Chile [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(3.50%)	(2.80%)	(3.10%)
Unemployment rate, average %	11.40%	11.50%	11.30%
Alternative Scenario - Very Pessimistic [Member] | Chile [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.70%	3.90%	4.10%
Unemployment rate, average %	7.20%	7.50%	7.60%
Alternative Scenario - Very Pessimistic [Member] | Peru [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(0.10%)	(1.00%)	(1.40%)
Unemployment rate, average %	12.20%	11.20%	11.60%
Alternative Scenario - Very Pessimistic [Member] | Peru [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.10%	3.80%	3.60%
Unemployment rate, average %	8.90%	8.70%	8.80%
Alternative Scenario - Very Pessimistic [Member] | Colombia [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	(0.90%)	(2.10%)	(0.90%)
Unemployment rate, average %	19.10%	18.80%	15.60%
Alternative Scenario - Very Pessimistic [Member] | Colombia [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	3.70%	3.90%	3.90%
Unemployment rate, average %	13.40%	13.20%	12.30%
Alternative Scenario - Very Pessimistic [Member] | Caribbean [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	1%	0.10%	0.50%
Alternative Scenario - Very Pessimistic [Member] | Caribbean [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Real GDP growth, y/y % change	4.70%	4.70%	4.70%
Alternative Scenario - Very Pessimistic [Member] | Global WTI oil price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	58	58	62
Alternative Scenario - Very Pessimistic [Member] | Global WTI oil price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / bbl	58	60	61
Alternative Scenario - Very Pessimistic [Member] | Global Copper price [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	4.25	3.64	3.56
Alternative Scenario - Very Pessimistic [Member] | Global Copper price [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Average price of hedging instrument | $ / lb	4.84	4.9	4.83
Alternative Scenario - Very Pessimistic [Member] | Global GDP and PPP [member] | Next 12 Months [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	(1.60%)	(2.25%)	(1.48%)
Alternative Scenario - Very Pessimistic [Member] | Global GDP and PPP [member] | Remaining forecast period [member]
Disclosure of Primary Macroeconomic Drivers of Credit Losses [Line Items]
Global GDP, y/y % change	3.60%	3.83%	3.45%

Loans, Impaired Loans and All_7

Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Detail) - CAD ($) $ in Millions		3 Months Ended				9 Months Ended
		Jul. 31, 2024		Jul. 31, 2023		Jul. 31, 2024		Jul. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						$ 6,611		$ 5,487
Provision for credit losses						3,031	[1]	2,172	[2]
Net write-offs						(2,558)		(1,771)
Other, including foreign currency adjustment						(239)		191
Provision for credit losses
Balance at end of period		$ 6,845		$ 6,079		6,845		6,079
Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						6,372	[3]	5,348
Provision for credit losses
Balance at end of period		6,582	[4]	5,893	[5]	6,582	[4]	5,893	[5]
Allowance for credit losses on acceptances [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	[6]					90		31
Provision for credit losses
Balance at end of period	[6]	48		53		48		53
Allowance for credit losses on off balance sheet exposures [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	[7]					149		108
Provision for credit losses
Balance at end of period	[7]	215		133		215		133
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,188		981		1,084		899
Provision for credit losses						214	[1]	99	[2]
Net write-offs						(61)		(52)
Other, including foreign currency adjustment						(27)		63
Provision for credit losses
Remeasurement	[8]	86		41		224		91
Newly originated or purchased financial assets		12		9		32		25
Derecognition of financial assets and maturities		(9)		(6)		(23)		(17)
Changes in models and methodologies	[9]	(19)				(19)
Gross write-offs		(23)		(28)		(77)		(71)
Recoveries		6		6		16		19
Foreign exchange and other movements		(31)		6		(27)		63
Balance at end of period		1,210		1,009		1,210		1,009
Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						1,084
Provision for credit losses
Balance at end of period		1,210		1,009		1,210		1,009
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		2,340		2,267		2,414		2,137
Provision for credit losses						1,427	[1]	907	[2]
Net write-offs						(1,375)		(844)
Other, including foreign currency adjustment						(94)		91
Provision for credit losses
Remeasurement	[8]	480		304		1,340		819
Newly originated or purchased financial assets		89		94		279		278
Derecognition of financial assets and maturities		(80)		(69)		(220)		(190)
Changes in models and methodologies	[9]	28				28
Gross write-offs		(551)		(381)		(1,591)		(1,023)
Recoveries		88		65		216		179
Foreign exchange and other movements		(22)		11		(94)		91
Balance at end of period		2,372		2,291		2,372		2,291
Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						2,414
Provision for credit losses
Balance at end of period		2,372		2,291		2,372		2,291
Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,239		1,135		1,237		1,083
Provision for credit losses						822	[1]	701	[2]
Net write-offs						(857)		(661)
Other, including foreign currency adjustment						(12)		53
Provision for credit losses
Remeasurement	[8]	274		282		814		662
Newly originated or purchased financial assets		31		55		111		146
Derecognition of financial assets and maturities		(28)		(39)		(86)		(107)
Changes in models and methodologies	[9]	(17)				(17)
Gross write-offs		(359)		(310)		(1,002)		(820)
Recoveries		55		50		145		159
Foreign exchange and other movements		(5)		3		(12)		53
Balance at end of period		1,190		1,176		1,190		1,176
Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						1,237
Provision for credit losses
Balance at end of period		1,190		1,176		1,190		1,176
Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		4,767		4,383		4,735		4,119
Provision for credit losses
Remeasurement	[8]	840		627		2,378		1,572
Newly originated or purchased financial assets		132		158		422		449
Derecognition of financial assets and maturities		(117)		(114)		(329)		(314)
Changes in models and methodologies	[9]	(8)				(8)
Gross write-offs		(933)		(719)		(2,670)		(1,914)
Recoveries		149		121		377		357
Foreign exchange and other movements		(58)		20		(133)		207
Balance at end of period		4,772		4,476		4,772		4,476
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						1,876		1,368
Provision for credit losses						568	[1]	465	[2]
Net write-offs						(265)		(214)
Other, including foreign currency adjustment						(106)		(16)
Provision for credit losses
Remeasurement	[8]	11		170		394		449
Newly originated or purchased financial assets		204		103		630		294
Derecognition of financial assets and maturities		(203)		(121)		(651)		(302)
Changes in models and methodologies	[9]	237				237
Gross write-offs		(93)		(81)		(313)		(258)
Recoveries		12		23		48		44
Foreign exchange and other movements		(41)		(26)		(106)		(14)
Balance at end of period including off-balance sheet exposures		2,025		1,550		2,025		1,550
Less: Allowance for credits losses on off-balance sheet exposures	[7]	(215)		(133)		(215)		(133)
Balance at end of period		2,073		1,603		2,073		1,603
Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,898		1,482		1,786		1,337
Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	[7]	1,810		1,417		1,810		1,417
Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						1,637
Provision for credit losses
Balance at end of period		1,810		1,417		1,810		1,417
Stage 1 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	[3]					1,861
Provision for credit losses
Balance at end of period		1,646	[4]	1,723	[5]	1,646	[4]	1,723	[5]
Stage 1 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		259		220		265		197
Provision for credit losses
Remeasurement	[8]	(86)		(50)		(194)		(123)
Newly originated or purchased financial assets		12		9		32		25
Derecognition of financial assets and maturities		(3)		(2)		(7)		(6)
Changes in models and methodologies	[9]	(22)				(22)
Transfer to (from)stage 1		59		50		164		134
Transfer to (from)stage 2		(9)		(10)		(30)		(25)
Foreign exchange and other movements		(9)		5		(7)		20
Balance at end of period		201		222		201		222
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						265
Provision for credit losses
Balance at end of period		201		222		201		222
Stage 1 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		626		677		647		665
Provision for credit losses
Remeasurement	[8]	(182)		(180)		(553)		(552)
Newly originated or purchased financial assets		89		94		279		278
Derecognition of financial assets and maturities		(26)		(24)		(73)		(66)
Changes in models and methodologies	[9]	(68)				(68)
Transfer to (from)stage 1		183		156		523		475
Transfer to (from)stage 2		(57)		(54)		(175)		(150)
Transfer to (from)stage 3		(4)		(3)		(11)		(7)
Foreign exchange and other movements		(8)		7		(16)		30
Balance at end of period		553		673		553		673
Stage 1 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						647
Provision for credit losses
Balance at end of period		553		673		553		673
Stage 1 [member] | Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		357		425		414		436
Provision for credit losses
Remeasurement	[8]	(101)		(63)		(299)		(218)
Newly originated or purchased financial assets		31		55		111		146
Derecognition of financial assets and maturities		(13)		(16)		(39)		(50)
Changes in models and methodologies	[9]	(38)				(38)
Transfer to (from)stage 1		99		64		262		199
Transfer to (from)stage 2		(30)		(38)		(104)		(107)
Foreign exchange and other movements		(2)		3		(4)		24
Balance at end of period		303		430		303		430
Stage 1 [member] | Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						414
Provision for credit losses
Balance at end of period		303		430		303		430
Stage 1 [member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,242		1,322		1,326		1,298
Provision for credit losses
Remeasurement	[8]	(369)		(293)		(1,046)		(893)
Newly originated or purchased financial assets		132		158		422		449
Derecognition of financial assets and maturities		(42)		(42)		(119)		(122)
Changes in models and methodologies	[9]	(128)				(128)
Transfer to (from)stage 1		341		270		949		808
Transfer to (from)stage 2		(96)		(102)		(309)		(282)
Transfer to (from)stage 3		(4)		(3)		(11)		(7)
Foreign exchange and other movements		(19)		15		(27)		74
Balance at end of period		1,057		1,325		1,057		1,325
Stage 1 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	(146)		16		(195)		82
Newly originated or purchased financial assets		204		103		630		294
Derecognition of financial assets and maturities		(187)		(87)		(569)		(241)
Changes in models and methodologies	[9]	200				200
Transfer to (from)stage 1		37		18		114		60
Transfer to (from)stage 2		(21)		(14)		(73)		(31)
Foreign exchange and other movements		(2)		(4)		(4)		2
Balance at end of period including off-balance sheet exposures		738		488		738		488
Less: Allowance for credits losses on off-balance sheet exposures	[7]	(149)		(90)		(149)		(90)
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		653		456		635		322
Stage 1 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	[7]	589		398		589		398
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						535
Provision for credit losses
Balance at end of period		589		398		589		398
Stage 2 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	[3]					2,630
Provision for credit losses
Balance at end of period		2,896	[4]	2,350	[5]	2,896	[4]	2,350	[5]
Stage 2 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		349		306		321		296
Provision for credit losses
Remeasurement	[8]	89		21		155		38
Derecognition of financial assets and maturities		(6)		(4)		(16)		(11)
Changes in models and methodologies	[9]	3				3
Transfer to (from)stage 1		(44)		(38)		(124)		(101)
Transfer to (from)stage 2		51		38		148		108
Transfer to (from)stage 3		(20)		(18)		(62)		(44)
Foreign exchange and other movements		(6)		(1)		(9)		18
Balance at end of period		416		304		416		304
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						321
Provision for credit losses
Balance at end of period		416		304		416		304
Stage 2 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,058		982		1,103		921
Provision for credit losses
Remeasurement	[8]	284		229		759		695
Derecognition of financial assets and maturities		(54)		(45)		(147)		(124)
Changes in models and methodologies	[9]	96				96
Transfer to (from)stage 1		(178)		(153)		(512)		(465)
Transfer to (from)stage 2		90		77		259		212
Transfer to (from)stage 3		(128)		(103)		(381)		(285)
Foreign exchange and other movements		(8)		(1)		(17)		32
Balance at end of period		1,160		986		1,160		986
Stage 2 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						1,103
Provision for credit losses
Balance at end of period		1,160		986		1,160		986
Stage 2 [member] | Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		882		710		823		647
Provision for credit losses
Remeasurement	[8]	161		152		503		413
Derecognition of financial assets and maturities		(15)		(23)		(47)		(57)
Changes in models and methodologies	[9]	21				21
Transfer to (from)stage 1		(99)		(64)		(262)		(199)
Transfer to (from)stage 2		30		38		104		107
Transfer to (from)stage 3		(95)		(65)		(244)		(188)
Foreign exchange and other movements		2		(2)		(11)		23
Balance at end of period		887		746		887		746
Stage 2 [member] | Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						823
Provision for credit losses
Balance at end of period		887		746		887		746
Stage 2 [member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		2,289		1,998		2,247		1,864
Provision for credit losses
Remeasurement	[8]	534		402		1,417		1,146
Derecognition of financial assets and maturities		(75)		(72)		(210)		(192)
Changes in models and methodologies	[9]	120				120
Transfer to (from)stage 1		(321)		(255)		(898)		(765)
Transfer to (from)stage 2		171		153		511		427
Transfer to (from)stage 3		(243)		(186)		(687)		(517)
Foreign exchange and other movements		(12)		(4)		(37)		73
Balance at end of period		2,463		2,036		2,463		2,036
Stage 2 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	13		43		155		72
Derecognition of financial assets and maturities		(12)		(20)		(74)		(35)
Changes in models and methodologies	[9]	37				37
Transfer to (from)stage 1		(37)		(18)		(114)		(60)
Transfer to (from)stage 2		22		16		76		38
Transfer to (from)stage 3		(4)		(2)		(12)		(4)
Foreign exchange and other movements		(3)		1		(8)		11
Balance at end of period including off-balance sheet exposures		463		342		463		342
Less: Allowance for credits losses on off-balance sheet exposures	[7]	(30)		(28)		(30)		(28)
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		447		322		403		320
Stage 2 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	[7]	433		314		433		314
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						383
Provision for credit losses
Balance at end of period		433		314		433		314
Stage 3 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period	[3]					1,881
Provision for credit losses
Balance at end of period		2,040	[4]	1,820	[5]	2,040	[4]	1,820	[5]
Stage 3 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		580		455		498		406
Provision for credit losses
Remeasurement	[8]	83		70		263		176
Transfer to (from)stage 1		(15)		(12)		(40)		(33)
Transfer to (from)stage 2		(42)		(28)		(118)		(83)
Transfer to (from)stage 3		20		18		62		44
Gross write-offs		(23)		(28)		(77)		(71)
Recoveries		6		6		16		19
Foreign exchange and other movements		(16)		2		(11)		25
Balance at end of period		593		483		593		483
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						498
Provision for credit losses
Balance at end of period		593		483		593		483
Stage 3 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		656		608		664		551
Provision for credit losses
Remeasurement	[8]	378		255		1,134		676
Transfer to (from)stage 1		(5)		(3)		(11)		(10)
Transfer to (from)stage 2		(33)		(23)		(84)		(62)
Transfer to (from)stage 3		132		106		392		292
Gross write-offs		(551)		(381)		(1,591)		(1,023)
Recoveries		88		65		216		179
Foreign exchange and other movements		(6)		5		(61)		29
Balance at end of period		659		632		659		632
Stage 3 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period						664
Provision for credit losses
Balance at end of period		659		632		659		632
Stage 3 [member] | Credit cards [member]
Provision for credit losses
Remeasurement	[8]	214		193		610		467
Transfer to (from)stage 3		95		65		244		188
Gross write-offs		(359)		(310)		(1,002)		(820)
Recoveries		55		50		145		159
Foreign exchange and other movements		(5)		2		3		6
Stage 3 [member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of period		1,236		1,063		1,162		957
Provision for credit losses
Remeasurement	[8]	675		518		2,007		1,319
Transfer to (from)stage 1		(20)		(15)		(51)		(43)
Transfer to (from)stage 2		(75)		(51)		(202)		(145)
Transfer to (from)stage 3		247		189		698		524
Gross write-offs		(933)		(719)		(2,670)		(1,914)
Recoveries		149		121		377		357
Foreign exchange and other movements		(27)		9		(69)		60
Balance at end of period		1,252		1,115		1,252		1,115
Stage 3 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	144		111		434		295
Derecognition of financial assets and maturities		(4)		(14)		(8)		(26)
Transfer to (from)stage 2		(1)		(2)		(3)		(7)
Transfer to (from)stage 3		4		2		12		4
Gross write-offs		(93)		(81)		(313)		(258)
Recoveries		12		23		48		44
Foreign exchange and other movements		(36)		(23)		(94)		(27)
Balance at end of period including off-balance sheet exposures		824		720		824		720
Less: Allowance for credits losses on off-balance sheet exposures	[7]	(36)		(15)		(36)		(15)
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		798		704		748		695
Stage 3 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of period	[7]	788		705		788		705
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						719
Provision for credit losses
Balance at end of period		$ 788		$ 705		$ 788		$ 705
[1]Excludes amounts associated with other assets and reversal of impairment losses of $(10). The provision for credit losses, net of these amounts, is $3,021.[2]Excludes amounts associated with other assets and reversal of impairment losses of $(6). The provision for credit losses, net of these amounts, is $2,166.[3]Excludes allowance for credit losses of $257 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.[4]Excludes allowance for credit losses of $278 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.[5]Excludes allowance for credit losses of $201 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.[6]Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.[7]Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.[8]Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions, changes in expert credit judgement overlays, and changes due to drawdowns of undrawn commitments.[9]Includes changes due to enhanced IFRS 9 models to reflect previously established expert credit judgement overlays that are now incorporated in the model.

Loans, Impaired Loans and All_8

Loans, Impaired Loans and Allowance for Credit Losses - Allowance For Credit Losses (Parenthetical) (Detail) - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Provision for credit losses	[1]	$ 1,052	$ 1,007	$ 819	$ 3,021	$ 2,166
Allowance for credit losses for other financial assets		$ 278		$ 201	278	201	$ 257
Residential mortgages personal loans credit cards total retail loans business and government excluding other assets [member]
Disclosure of detailed information about financial instruments [line items]
Provision for credit losses					3,021	2,166
Reversal of impairment loss and other assets					$ (10)	$ (6)
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

Loans, Impaired Loans and All_9

Loans, Impaired Loans and Allowance for Credit Losses -Summary of Carrying Value of Exposures by Risk Rating (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	$ 765,793	$ 760,033	$ 757,283
Allowance for credit losses	[1]	6,582	6,507	6,372
Carrying value of loans net of ACL	[1]	759,211	$ 753,526	750,911
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		348,631		344,182
Allowance for credit losses		1,210		1,084
Carrying value of loans net of ACL		347,421		343,098
Residential mortgages [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		211,175		203,279
Residential mortgages [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		81,960		89,786
Residential mortgages [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		21,665		21,143
Residential mortgages [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		7,715		6,852
Residential mortgages [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,699		2,305
Residential mortgages [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	21,220		18,953
Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,197		1,864
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		106,543		104,170
Allowance for credit losses		2,372		2,414
Carrying value of loans net of ACL		104,171		101,756
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		30,881		30,060
Loans to consumers [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		20,939		28,152
Loans to consumers [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		13,023		9,324
Loans to consumers [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		15,150		11,898
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		2,702		2,302
Loans to consumers [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	22,709		21,258
Loans to consumers [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		1,139		1,176
Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL		158,726		149,073
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		113,640		104,491
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		18,007		20,038
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		8,126		8,529
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		4,054		4,235
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		330		364
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	[2]	14,569		11,416
Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		631,546		614,534
Allowance for credit losses		4,772		4,735
Carrying value of loans net of ACL		626,774		609,799
Total retail loans [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		358,135		339,861
Total retail loans [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		124,117		141,394
Total retail loans [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		47,256		43,374
Total retail loans [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		31,818		27,534
Total retail loans [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		6,725		5,829
Total retail loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	60,159		53,502
Total retail loans [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,336		3,040
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		292,973		291,822
Allowance for credit losses		1,810		1,637
Carrying value of loans net of ACL		291,163		290,185
Business and government [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	2,680		2,518
Business and government [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,153		2,686
Business and government [member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		149,417		161,353
Business and government [member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		133,082		121,897
Business and government [member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,641		3,368
Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL		308,147		316,057
Allowance for credit losses		215		149
Carrying value of undrawn loan commitments net of ACL		307,932		315,908
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	[2]	5,246		5,205
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		108		109
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		236,519		241,717
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		65,082		67,922
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		1,192		1,104
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		17,646		17,109
Allowance for credit losses		1,190		1,237
Carrying value of loans net of ACL		16,456		15,872
Credit Card [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,439		2,031
Credit Card [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,211		3,418
Credit Card [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,442		4,378
Credit Card [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,899		4,549
Credit Card [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		994		858
Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	1,661		1,875
Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		601,120		607,879
Allowance for credit losses		2,025		1,786
Carrying value of loans net of ACL		599,095		606,093
Total Non Retail Loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	7,926		7,723
Total Non Retail Loans [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,261		2,795
Total Non Retail Loans [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		385,936		403,070
Total Non Retail Loans [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		198,164		189,819
Total Non Retail Loans [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		5,833		4,472
Stage one exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		324,920		332,268
Allowance for credit losses		201		265
Carrying value of loans net of ACL		324,719		332,003
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		206,661		202,322
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		76,911		88,909
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		19,294		19,758
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		2,546		3,424
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		12		63
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	[2]	19,496		17,792
Stage one exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		96,198		94,089
Allowance for credit losses		553		647
Carrying value of loans net of ACL		95,645		93,442
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		30,881		29,849
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		20,927		27,594
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		12,977		8,725
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		10,565		8,369
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		88		125
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	[2]	20,760		19,427
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		155,465		146,447
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		113,637		104,488
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		20,037
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		8,101		8,518
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		3,551		3,814
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		55		68
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	[2]	12,139		9,522
Stage one exposure [Member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		590,868		586,951
Allowance for credit losses		1,057		1,326
Carrying value of loans net of ACL		589,811		585,625
Stage one exposure [Member] | Total retail loans [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		353,615		338,648
Stage one exposure [Member] | Total retail loans [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		119,004		139,869
Stage one exposure [Member] | Total retail loans [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		44,752		41,263
Stage one exposure [Member] | Total retail loans [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		19,821		18,846
Stage one exposure [Member] | Total retail loans [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		188		294
Stage one exposure [Member] | Total retail loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	53,488		48,031
Stage one exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		277,288		276,868
Allowance for credit losses		589		535
Carrying value of loans net of ACL		276,699		276,333
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]	2,657		2,500
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		148,265		160,148
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		126,342		114,192
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		24		28
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		301,224		307,884
Allowance for credit losses		149		100
Carrying value of undrawn loan commitments net of ACL		301,075		307,784
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	[2]	5,246		5,205
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		235,061		240,044
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		60,914		62,634
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		3		1
Stage one exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		14,285		14,147
Allowance for credit losses		303		414
Carrying value of loans net of ACL		13,982		13,733
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		2,436		1,989
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		3,184		3,329
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		4,380		4,262
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		3,159		3,239
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		33		38
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]	1,093		1,290
Stage one exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		578,512		584,752
Allowance for credit losses		738		635
Carrying value of loans net of ACL		577,774		584,117
Stage one exposure [Member] | Total Non Retail Loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	7,903		7,705
Stage one exposure [Member] | Total Non Retail Loans [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		383,326		400,192
Stage one exposure [Member] | Total Non Retail Loans [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		187,256		176,826
Stage one exposure [Member] | Total Non Retail Loans [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		27		29
Stage two exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		21,514		10,050
Allowance for credit losses		416		321
Carrying value of loans net of ACL		21,098		9,729
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		4,514		957
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		5,049		877
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		2,371		1,385
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		5,169		3,428
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		2,687		2,242
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	[2]	1,724		1,161
Stage two exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		9,206		8,905
Allowance for credit losses		1,160		1,103
Carrying value of loans net of ACL		8,046		7,802
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				211
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		12		558
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		46		599
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		4,585		3,529
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		2,614		2,177
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]	1,949		1,831
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		3,261		2,626
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		3		3
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		25		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		25		11
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		503		421
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		275		296
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	[2]	2,430		1,894
Stage two exposure [Member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		37,342		24,543
Allowance for credit losses		2,463		2,247
Carrying value of loans net of ACL		34,879		22,296
Stage two exposure [Member] | Total retail loans [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,520		1,213
Stage two exposure [Member] | Total retail loans [Member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		5,113		1,525
Stage two exposure [Member] | Total retail loans [Member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,504		2,111
Stage two exposure [Member] | Total retail loans [Member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		11,997		8,688
Stage two exposure [Member] | Total retail loans [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		6,537		5,535
Stage two exposure [Member] | Total retail loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	6,671		5,471
Stage two exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		12,532		12,268
Allowance for credit losses		433		383
Carrying value of loans net of ACL		12,099		11,885
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	[2]	23		18
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		1,152		1,205
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		6,740		7,705
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		4,617		3,340
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		6,815		8,064
Allowance for credit losses		30		20
Carrying value of undrawn loan commitments net of ACL		6,785		8,044
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		1,458		1,673
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		4,168		5,288
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		1,189		1,103
Stage two exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,361		2,962
Allowance for credit losses		887		823
Carrying value of loans net of ACL		2,474		2,139
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		3		42
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		27		89
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		62		116
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		1,740		1,310
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		961		820
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	[2]	568		585
Stage two exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		19,347		20,332
Allowance for credit losses		463		403
Carrying value of loans net of ACL		18,884		19,929
Stage two exposure [Member] | Total Non Retail Loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	23		18
Stage two exposure [Member] | Total Non Retail Loans [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,610		2,878
Stage two exposure [Member] | Total Non Retail Loans [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		10,908		12,993
Stage two exposure [Member] | Total Non Retail Loans [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		5,806		4,443
Stage three exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	2,197		1,864
Allowance for credit losses	[3]	593		498
Carrying value of loans net of ACL	[3]	1,604		1,366
Stage three exposure [Member] | Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	2,197		1,864
Stage three exposure [Member] | Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	1,139		1,176
Allowance for credit losses	[3]	659		664
Carrying value of loans net of ACL	[3]	480		512
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	[3]	1,139		1,176
Stage three exposure [Member] | Total retail loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	3,336		3,040
Allowance for credit losses	[3]	1,252		1,162
Carrying value of loans net of ACL	[3]	2,084		1,878
Stage three exposure [Member] | Total retail loans [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	3,336		3,040
Stage three exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	3,153		2,686
Allowance for credit losses	[3]	788		719
Carrying value of loans net of ACL	[3]	2,365		1,967
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	[3]	3,153		2,686
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	[3]	108		109
Allowance for credit losses	[3]	36		29
Carrying value of undrawn loan commitments net of ACL	[3]	72		80
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	[3]	108		109
Stage three exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	3,261		2,795
Allowance for credit losses	[3]	824		748
Carrying value of loans net of ACL	[3]	2,437		2,047
Stage three exposure [Member] | Total Non Retail Loans [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[3]	$ 3,261		$ 2,795
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.[3]Stage 3 includes purchased or originated credit-impaired loans.

Loans, Impaired Loans and Al_10

Loans, Impaired Loans and Allowance for Credit Losses - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Base case scenario [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	$ 4,784	$ 4,734	$ 4,719
Base case scenario [member] | Previously stated [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	4,400	4,534	4,510
Pessimistic scenario [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	987	539	436
Probability Weighted Scenarios [Member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	$ 657	$ 570	$ 553

Loans, Impaired Loans and Al_11

Loans, Impaired Loans and Allowance for Credit Losses - Loans Past Due But Not Impaired (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	$ 765,793	$ 760,033	$ 757,283
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		348,631		344,182
Loans to consumers [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		106,543		104,170
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		17,646		17,109
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		292,973		291,822
Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[2],[3]	4,196	4,342	3,910
Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[2],[3]	2,127	2,127	1,946
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	[2],[3]	991	1,063	1,008
Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[2],[3]	824	832	740
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	[2],[3]	254	320	216
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],[3]	2,491	2,600	2,374
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	[2],[3]	1,435	1,433	1,329
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	[2],[3]	636	689	648
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	[2],[3]	237	247	238
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	[2],[3]	183	231	159
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	[2],[3]	1,308	1,338	1,191
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	[2],[3]	692	694	617
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	[2],[3]	355	374	360
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	[2],[3]	190	181	157
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	[2],[3]	71	89	57
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	[2],[3],[4]	397	404	345
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	[2],[3],[4]	$ 397	$ 404	$ 345
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]For loans where payment deferrals were granted, deferred payments are not considered past due and such loans are not aged further during the deferral period. Regular ageing of the loans resumes, after the end of the deferral period.[3]Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due.[4]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.

Loans, Impaired Loans and Al_12

Loans, Impaired Loans and Allowance for Credit Losses - Summary of Purchased Credit Impaired Loans (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023	Jul. 31, 2023	Oct. 31, 2022
Disclosure of detailed information about financial instruments [line items]
Allowance		$ (6,845)		$ (6,611)	$ (6,079)	$ (5,487)
Loans acquired in business combination [member]
Disclosure of detailed information about financial instruments [line items]
Unpaid principal balance	[1]	247	$ 252	307
Credit related fair value adjustments		(30)	(32)	(87)
Carrying value		217	220	220
Carrying value net of related allowance		216	219	219
Loans acquired in business combination [member] | Stage 3 [member]
Disclosure of detailed information about financial instruments [line items]
Allowance		$ (1)	$ (1)	$ (1)
[1]Represents principal amount owed net of write-offs.

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		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of associated liabilities	[1]	$ 18,307	$ 19,183	$ 20,222
Residential mortgage loans [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	11,442	11,564	13,508
Other related assets [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1],[2]	$ 7,592	$ 8,032	$ 8,600
[1]The fair value of the transferred assets is $18,697 (April 30, 2024 – $19,068 and October 31, 2023 – $20,264) and the fair value of the associated liabilities is $17,985 (April 30, 2024 – $18,430 and October 31, 2023 – $19,265) for a net position of $712 (April 30, 2024 – $638 and October 31, 2023 – $999).[2]These include cash held in trust and trust-permitted investment assets, including repurchase-type transactions of mortgage-backed securities, included in the principal reinvestment account that the Bank is required to maintain in order to participate in the programs.

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	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 18,697	$ 19,068	$ 20,264
Fair value of associated liabilities	17,985	18,430	19,265
Net position	$ 712	$ 638	$ 999

Derecognition of Financial As_5

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		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	$ 213,548	$ 207,223	$ 196,470
Carrying value of associated liabilities	[1],[2]	178,595	173,602	160,007
Repurchase agreement [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1],[3]	158,912	152,118	140,296
Securities lending [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	$ 54,636	$ 55,105	$ 56,174
[1]The fair value of transferred assets is $213,548 (April 30, 2024 – $207,223 and October 31, 2023 – $196,470) and the fair value of the associated liabilities is $178,595 (April 30, 2024 – $173,602 and October 31, 2023 – $160,007) for a net position of $34,953 (April 30, 2024 – $33,621 and October 31, 2023 – $36,463).[2]Liabilities for securities lending arrangements only include amounts related to cash collateral received. In most cases, securities are received as collateral.[3]Does not include over-collateralization of assets pledged.

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 (Parenthetical) (Detail) - Other Financial Assets [Member] - CAD ($) $ in Millions	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 213,548	$ 207,223	$ 196,470
Fair value of the associated liabilities	178,595	173,602	160,007
Net position	$ 34,953	$ 33,621	$ 36,463

Investments in Associates - Sum

Investments in Associates - Summary of Significant Investments in Associates (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Bank of Xian Co Ltd [member]
Disclosure of associates [line items]
Country of incorporation	[1]	China
Nature of business	[1]	Banking
Ownership percentage	[1]	18.11%
Date of financial statements	[1],[2]	Jun. 30, 2024
Carrying value	[1]	$ 957	$ 938	$ 895
Maduro and curiels bank NV [member]
Disclosure of associates [line items]
Country of incorporation	[3]	Curacao
Nature of business	[3]	Banking
Ownership percentage	[3]	48.10%
Date of financial statements	[2],[3]	Jun. 30, 2024
Carrying value	[3]	$ 511	$ 498	$ 489
[1]Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $511 (April 30, 2024 – $548; October 31, 2023 – $529). The market value of the investment has remained below the carrying amount. The Bank performed an impairment test as at July 31, 2024 using a value in use (VIU) discounted cash flow model. The Bank concluded that there is no impairment for the period ended July 31, 2024 (April 30, 2024 – nil; October 31, 2023 – $185).[2]Represents the date of the most recent financial statements made available to the Bank by the associates’ management.[3]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 July 31, 2024, these reserves amounted to $73 (April 30, 2024 – $73; October 31, 2023 – $71).

Investments in Associates - S_2

Investments in Associates - Summary of Significant Investments in Associates (Parenthetical) (Detail) - CAD ($) $ in Millions	9 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023	Jul. 31, 2023
Disclosure of associates [line items]
Investments in associates based on quoted Stock Exchange price on Shanghai	$ 511	$ 548	$ 529
Impairment of investments in associates	0	0	185
Undistributed retained earnings	$ 73	$ 73	$ 71	$ 66

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure Of Deposits [line items]
Payable after notice	[1],[2],[3]	$ 201,491
Payable on a fixed date	[1],[4]	508,258
Total	[1],[5]	949,201	$ 942,028	$ 952,333
Canada [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	163,534
Payable on a fixed date	[4]	359,335
Total		691,199	680,489	679,196
United States [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	72
Payable on a fixed date	[4]	48,664
Total		90,163	90,399	96,807
United Kingdom [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	180
Payable on a fixed date	[4]	21,996
Total		22,176	22,835	21,562
Mexico [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	14,665
Payable on a fixed date	[4]	19,120
Total		40,945	43,303	41,424
Peru [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	5,676
Payable on a fixed date	[4]	6,251
Total		16,499	16,268	15,860
Chile [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	146
Payable on a fixed date	[4]	17,028
Total		23,620	23,327	23,724
Colombia [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	4,023
Payable on a fixed date	[4]	4,670
Total		9,249	10,018	9,580
Other International [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	13,195
Payable on a fixed date	[4]	31,194
Total		55,350	55,389	64,180
Personal [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	142,879
Payable on a fixed date	[4]	138,314
Total		296,750	292,117	288,617
Business and government [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	56,354
Payable on a fixed date	[4]	337,659
Total		606,964	605,457	612,267
Financial institution [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	2,258
Payable on a fixed date	[4]	32,285
Total		45,487	$ 44,454	$ 51,449
Interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	[1],[6]	196,564
Interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	145,486
Interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	41,391
Interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	7
Interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	4,450
Interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	1,557
Interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	31
Interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	3,642
Interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	5,193
Interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	181,077
Interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	10,294
Non- interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	[1],[6]	42,888
Non- interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	22,844
Non- interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	36
Non- interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	7,153
Non- interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	122
Non- interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	4,889
Non- interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	525
Non- interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	7,319
Non- interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	10,364
Non- interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	31,874
Non- interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	[6]	$ 650
[1]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).[2]Deposits payable after notice include all deposits for which the Bank requires notice of withdrawal, generally savings accounts.[3]Includes $122 (April 30, 2024 – $120; October 31, 2023 – $123) of non-interest-bearing deposits.[4]All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.[5]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[6]Deposits payable on demand include all deposits for which the Bank does not have the right to notice of withdrawal, generally chequing accounts.

Deposits - Summary of Deposit_2

Deposits - Summary of Deposits (Parenthetical) (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure Of Deposits [line Items]
Payable after notice	[1],[2],[3]	$ 201,491
Deposits	[1],[4]	949,201	$ 942,028	$ 952,333
U.S. dollar [member]
Disclosure Of Deposits [line Items]
Deposits		300,445	304,171	320,088
Chile, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits		20,655	19,590	20,200
Mexico, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits		37,502	39,429	38,127
Other Foreign Currencies [member]
Disclosure Of Deposits [line Items]
Deposits		112,644	112,707	116,926
Non interest bearing deposits [member]
Disclosure Of Deposits [line Items]
Payable after notice		$ 122	$ 120	$ 123
[1]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).[2]Deposits payable after notice include all deposits for which the Bank requires notice of withdrawal, generally savings accounts.[3]Includes $122 (April 30, 2024 – $120; October 31, 2023 – $123) of non-interest-bearing deposits.[4]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

Deposits - Summary of Maturity

Deposits - Summary of Maturity Schedule for Term Deposits (Detail) - Canada [member] - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure Of Deposits [line items]
Term deposit	[1]	$ 300,784	$ 301,760	$ 318,331
Within three months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	62,926	65,328	66,726
Three to six months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	38,797	34,442	39,525
Six to twelve months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	66,988	65,985	62,675
One to 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	111,838	118,006	130,384
Over 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	$ 20,235	$ 17,999	$ 19,021
[1]The majority of foreign term deposits are in excess of $100,000.

Deposits - Summary of Maturit_2

Deposits - Summary of Maturity Schedule for Term Deposits (Parenthetical) (Detail) $ in Millions	Jul. 31, 2024 CAD ($)
Disclosure Of Deposits [line Items]
Foreign term deposits in excess	$ 508,258	[1],[2]
Foreign countries [member] | Bottom of range [member]
Disclosure Of Deposits [line Items]
Foreign term deposits in excess	$ 100,000
[1]All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.[2]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).

Capital and financing transac_3

Capital and financing transactions - Schedule of capital and financing transactions (Detail) - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024		Jul. 31, 2023	Jul. 31, 2024		Jul. 31, 2023
Disclosure of classes of share capital [line items]
Beginning Balance		$ 81,075	[1]		$ 78,571	[1]	$ 74,748
Issued in relation to share-based payments, net	[2]				11		12
Ending Balance	[1]	$ 83,219		$ 77,667	$ 83,219		$ 77,667
Common shares [member]
Disclosure of classes of share capital [line items]
Outstanding at beginning of year		1,229,569,597		1,198,174,512	1,214,044,420		1,191,375,095
Beginning Balance		$ 21,066		$ 19,160	$ 20,109		$ 18,707
Issued in relation to share-based payments, net (shares)		18,688		6,252	133,766		404,655
Issued in relation to share-based payments, net		$ 2		$ 1	$ 9		$ 27
Issued in relation to the Shareholder Dividend and Share Purchase Plan (shares)	[3]	7,750,463		7,152,387	23,160,562		13,553,401
Issued in relation to the Shareholder Dividend and Share Purchase Plan	[3]	$ 481		$ 466	$ 1,431		$ 893
Outstanding at end of year		1,237,338,748		1,205,333,151	1,237,338,748		1,205,333,151
Ending Balance		$ 21,549		$ 19,627	$ 21,549		$ 19,627
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Represents amounts on account of share-based payments (refer to Note 14).[3]Commencing with the dividend declared on February 28, 2023 and paid on April 26, 2023, the Bank issued to participants of the Shareholder Dividend and Share Purchase Plan (the Plan), common shares from treasury with a discount of 2% to the average market price (as defined in the Plan). Prior to the dividend paid on April 26, 2023, common shares received by participants under the Plan were shares purchased from the open market at prevailing market prices. Further, effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank will suspend the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and will discontinue issuances of common shares from treasury under the Plan. Effective November 1, 2024, and until such time as the Bank elects otherwise, purchases of common shares under the Plan will be made in the secondary market in accordance with the provisions of the Plan.

Capital and financing transac_4

Capital and financing transactions - Schedule of capital and financing transactions (Parenthetical) (Detail)	Feb. 28, 2023
Shareholder Dividend And Share Purchase Plan [member]
Disclosure of classes of share capital [line items]
Treasury shares reissued discount as a percentage of average market price	2%

Capital and financing transac_5

Capital and financing transactions - Additional Information (Detail) - CAD ($) $ in Billions	Jun. 18, 2024	Jul. 03, 2024
Disclosure of objectives, policies and processes for managing capital [line items]
Borrowings interest rate		2.836%
Redemption of subordinated debentures		$ 1.5
Redemption amount as a percentage of principal		100%
August 1, 2034 [member]
Disclosure of objectives, policies and processes for managing capital [line items]
Debt instrument coupon interest rate percentage	3.07%
August 1, 2034 [member] | Fixed interest rate [member]
Disclosure of objectives, policies and processes for managing capital [line items]
Dated subordinated liabilities	$ 1
Borrowings interest rate	4.95%
Borrowings maturity	August 1, 2034
Subordinate debenture terms of payment	Interest on such Debentures at the rate of 4.95% per annum will be payable in equal (subject to a long first coupon) semi-annual payments in arrears on February 1 and August 1 in each year, commencing February 1, 2025, and continuing until August 1, 2029, and thereafter payable quarterly to, but excluding, August 1, 2034, at Daily Compounded CORRA plus 1.55%. The initial interest payment (long first coupon), payable on February 1, 2025, will be $30.71712329 per $1,000 principal amount of Debentures.
August 1, 2034 [member] | Daily compound CORRA [Member]
Disclosure of objectives, policies and processes for managing capital [line items]
Borrowings interest rate	1.55%

Capital Management - Summary of

Capital Management - Summary of Regulatory Capital and Capital Ratios (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Capital
Common Equity Tier 1 capital	[1],[2]	$ 60,432	$ 59,403	$ 57,041
Net Tier 1 capital	[1],[2]	69,299	68,282	65,223
Total regulatory capital	[1],[2]	77,411	76,789	75,651
Total loss absorbing capacity (TLAC)	[1],[2],[3]	131,832	129,939	134,504
Risk-weighted assets/exposures used in calculation of capital ratios
Risk-weighted assets	[1],[2],[4]	453,658	450,191	440,017
Leverage exposures	[5]	$ 1,556,455	$ 1,555,486	$ 1,562,963
Regulatory ratios
Common Equity Tier 1 capital ratio	[1],[2]	13.30%	13.20%	13%
Tier 1 capital ratio	[1],[2]	15.30%	15.20%	14.80%
Total capital ratio	[1],[2]	17.10%	17.10%	17.20%
Total loss absorbing capacity ratio	[1],[2],[3]	29.10%	28.90%	30.60%
Leverage ratio	[1],[2],[5]	4.50%	4.40%	4.20%
Total loss absorbing capacity leverage ratio	[1],[2],[3]	8.50%	8.40%	8.60%
[1]Commencing Q1 2024, regulatory capital ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). The prior year regulatory capital ratios were based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (February 2023).[2]Regulatory ratios and amounts reported are under Revised Basel III requirements.[3]This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018).[4]As at July 31, 2024, the Bank did not have a regulatory capital floor add-on to risk-weighted assets (RWA) for CET1, Tier 1, Total Capital and TLAC RWA (as at April 30, 2024 and October 31, 2023, the Bank did not have a regulatory capital floor add-on to risk-weighted assets for CET1, Tier 1, Total Capital and TLAC RWA).[5]The leverage ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).

Capital Management - Summary _2

Capital Management - Summary of Regulatory Capital and Capital Ratios (Parenthetical) (Detail) - CAD ($) $ in Billions	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of regulatory capital and capital ratios [Line Items]
Common Equity Tier 1 Capital	$ 0	$ 0	$ 0
Tier 1 Capital	$ 0	$ 0	$ 0

Share-based Payments - Addition

Share-based Payments - Additional Information (Detail) - Employee stock options [member]	3 Months Ended			9 Months Ended
	Jul. 31, 2024 CAD ($)	Jan. 31, 2024 CAD ($) $ / shares	Jul. 31, 2023 CAD ($)	Jul. 31, 2024 CAD ($)	Jul. 31, 2023 CAD ($)
Disclosure of terms and conditions of share-based payment arrangement [line items]
Number of share options, granted		2,675,932
Exercise price of options granted | $ / shares		$ 59.99
Weighted average grant date fair value of options granted		$ 7.67
Increase to equity	$ 1,000,000		$ 2,000,000	$ 11,000,000	$ 12,000,000
Vesting period of 3 Years [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Stock options vesting percentage		50%
Vesting period of 4 Years [member]
Disclosure of terms and conditions of share-based payment arrangement [line items]
Stock options vesting percentage		50%

Employee Benefits - Summary of

Employee Benefits - Summary of Expenses for Bank's Principal Plans (Detail) - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Disclosure of net defined benefit liability (asset) [line items]
Actuarial gains (losses) on employee benefit plans in other comprehensive income	[1]	$ 120	$ 289	$ 245	$ (121)	$ (199)
Pension plans [member]
Disclosure of net defined benefit liability (asset) [line items]
Defined benefit service cost	[2]	51	51	55	154	165
Interest on net defined benefit (asset) liability	[2]	(8)	(7)	(8)	(23)	(25)
Other	[2]	3	3	3	9	9
Defined benefit expense	[2]	46	47	50	140	149
Defined contribution expense	[2]	46	45	40	137	117
Actuarial gains (losses) on employee benefit plans in other comprehensive income	[2],[3]	138	264	200	(70)	(192)
Other benefit plans [member]
Disclosure of net defined benefit liability (asset) [line items]
Defined benefit service cost	[2]	5	4	5	14	15
Interest on net defined benefit (asset) liability	[2]	16	17	15	51	48
Other	[2]	2	(1)	(2)	4
Defined benefit expense	[2]	23	20	18	69	63
Actuarial gains (losses) on employee benefit plans in other comprehensive income	[2],[3]	$ (18)	$ 25	$ 45	$ (51)	$ (7)
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note.[3]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 - Additional

Operating Segments - Additional Information (Detail)	9 Months Ended
	Jul. 31, 2024
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 Wealth Management and Global Banking and Markets. 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.

Operating Segments - Schedule o

Operating Segments - Schedule of Operating Segments (Detail) - CAD ($) $ in Millions		3 Months Ended						9 Months Ended
		Jul. 31, 2024		Apr. 30, 2024		Jul. 31, 2023		Jul. 31, 2024		Jul. 31, 2023
Disclosure of operating segments [line items]
Net interest income	[1],[2]	$ 4,862		$ 4,694		$ 4,573		$ 14,329		$ 13,596
Non-interest income	[2],[3]	3,502	[4]	3,653	[5]	3,494	[6]	10,815	[7]	10,346	[8]
Total revenue	[2]	8,364		8,347		8,067		25,144		23,942
Provision for credit losses	[2]	1,052		1,007		819		3,021		2,166
Depreciation and amortization	[2]	428		410		412		1,259		1,230
Other non-interest expenses	[2]	4,521		4,301		4,147		13,140		12,364
Provision for income taxes	[2]	451		537		497		1,521		2,086
Net income	[2]	1,912		2,092		2,192		6,203		6,096
Net income attributable to non-controlling interests in subsidiaries	[2]	36		26		20		87		81
Net income attributable to equity holders of the Bank	[2]	1,876		2,066		2,172		6,116		6,015
Average assets	[2]	1,423,000		1,411,000		1,402,000		1,419,000		1,391,000
Average liabilities	[2]	1,341,000		1,330,000		1,324,000		1,339,000		1,314,000
Operating segments [member] | Canadian banking [member]
Disclosure of operating segments [line items]
Net interest income	[1],[2]	2,752	[9]	2,634	[9]	2,469	[10]	8,039	[9]	7,198	[10]
Non-interest income	[2],[3]	728	[4],[9]	702	[5],[9]	735	[6],[10]	2,164	[7],[9]	2,297	[8],[10]
Total revenue	[2]	3,480	[9]	3,336	[9]	3,204	[10]	10,203	[9]	9,495	[10]
Provision for credit losses	[2]	435	[9]	428	[9]	307	[10]	1,241	[9]	743	[10]
Depreciation and amortization	[2]	145	[9]	143	[9]	145	[10]	435	[9]	436	[10]
Other non-interest expenses	[2]	1,381	[9]	1,375	[9]	1,303	[10]	4,107	[9]	3,917	[10]
Provision for income taxes	[2]	409	[9]	382	[9]	399	[10]	1,207	[9]	1,208	[10]
Net income	[2]	1,110	[9]	1,008	[9]	1,050	[10]	3,213	[9]	3,191	[10]
Net income attributable to equity holders of the Bank	[2]	1,110	[9]	1,008	[9]	1,050	[10]	3,213	[9]	3,191	[10]
Average assets	[2]	451,000	[9]	445,000	[9]	450,000	[10]	447,000	[9]	450,000	[10]
Average liabilities	[2]	389,000	[9]	389,000	[9]	376,000	[10]	390,000	[9]	367,000	[10]
Operating segments [member] | International banking [member]
Disclosure of operating segments [line items]
Net interest income	[1],[2]	2,231	[9]	2,261	[9]	2,110	[10]	6,738	[9]	6,001	[10]
Non-interest income	[2],[3]	776	[4],[9]	731	[5],[9]	725	[6],[10]	2,364	[7],[9]	2,260	[8],[10]
Total revenue	[2]	3,007	[9]	2,992	[9]	2,835	[10]	9,102	[9]	8,261	[10]
Provision for credit losses	[2]	589	[9]	566	[9]	516	[10]	1,729	[9]	1,356	[10]
Depreciation and amortization	[2]	142	[9]	142	[9]	142	[10]	427	[9]	423	[10]
Other non-interest expenses	[2]	1,395	[9]	1,395	[9]	1,346	[10]	4,218	[9]	3,976	[10]
Provision for income taxes	[2]	177	[9]	194	[9]	192	[10]	561	[9]	531	[10]
Net income	[2]	704	[9]	695	[9]	639	[10]	2,167	[9]	1,975	[10]
Net income attributable to non-controlling interests in subsidiaries	[2]	35	[9]	24	[9]	18	[10]	81	[9]	74	[10]
Net income attributable to equity holders of the Bank	[2]	669	[9]	671	[9]	621	[10]	2,086	[9]	1,901	[10]
Average assets	[2]	234,000	[9]	235,000	[9]	241,000	[10]	235,000	[9]	236,000	[10]
Average liabilities	[2]	180,000	[9]	183,000	[9]	184,000	[10]	182,000	[9]	178,000	[10]
Operating segments [member] | Global Wealth Management [member]
Disclosure of operating segments [line items]
Net interest income	[1]	245	[9]	225	[9]	207	[10]	691	[9]	629	[10]
Non-interest income	[3]	1,228	[4],[9]	1,189	[5],[9]	1,129	[6],[10]	3,561	[7],[9]	3,330	[8],[10]
Total revenue		1,473	[9]	1,414	[9]	1,336	[10]	4,252	[9]	3,959	[10]
Provision for credit losses		10	[9]	7	[9]	2	[10]	22	[9]	5	[10]
Depreciation and amortization		48	[9]	47	[9]	44	[10]	142	[9]	133	[10]
Other non-interest expenses		867	[9]	848	[9]	799	[10]	2,530	[9]	2,330	[10]
Provision for income taxes		137	[9]	130	[9]	123	[10]	394	[9]	380	[10]
Net income		411	[9]	382	[9]	368	[10]	1,164	[9]	1,111	[10]
Net income attributable to non-controlling interests in subsidiaries		3	[9]	2	[9]	2	[10]	8	[9]	7	[10]
Net income attributable to equity holders of the Bank		408	[9]	380	[9]	366	[10]	1,156	[9]	1,104	[10]
Average assets		36,000	[9]	35,000	[9]	34,000	[10]	35,000	[9]	34,000	[10]
Average liabilities		40,000	[9]	41,000	[9]	40,000	[10]	40,000	[9]	41,000	[10]
Operating segments [member] | Global banking and markets [member]
Disclosure of operating segments [line items]
Net interest income	[1]	392	[9]	331	[9]	337	[10]	1,077	[9]	1,175	[10]
Non-interest income	[3]	961	[4],[9]	990	[5],[9]	1,006	[6],[10]	2,976	[7],[9]	3,023	[8],[10]
Total revenue		1,353	[9]	1,321	[9]	1,343	[10]	4,053	[9]	4,198	[10]
Provision for credit losses		18	[9]	5	[9]	(6)	[10]	28	[9]	62	[10]
Depreciation and amortization		68	[9]	62	[9]	56	[10]	192	[9]	163	[10]
Other non-interest expenses		727	[9]	719	[9]	702	[10]	2,185	[9]	2,120	[10]
Provision for income taxes		122	[9]	107	[9]	157	[10]	363	[9]	499	[10]
Net income		418	[9]	428	[9]	434	[10]	1,285	[9]	1,354	[10]
Net income attributable to equity holders of the Bank		418	[9]	428	[9]	434	[10]	1,285	[9]	1,354	[10]
Average assets		493,000	[9]	494,000	[9]	493,000	[10]	497,000	[9]	487,000	[10]
Average liabilities		476,000	[9]	470,000	[9]	450,000	[10]	474,000	[9]	450,000	[10]
Operating segments [member] | Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Net interest income	[1]	(758)	[9],[11]	(757)	[9],[12]	(550)	[10],[13]	(2,216)	[9],[14]	(1,407)	[10],[15]
Non-interest income	[3]	(191)	[4],[9],[11]	41	[5],[9],[12]	(101)	[6],[10],[13]	(250)	[7],[9],[14]	(564)	[8],[10],[15]
Total revenue		(949)	[9],[11]	(716)	[9],[12]	(651)	[10],[13]	(2,466)	[9],[14]	(1,971)	[10],[15]
Provision for credit losses	[9]			1	[12]			1	[14]
Depreciation and amortization		25	[9],[11]	16	[9],[12]	25	[10],[13]	63	[9],[14]	75	[10],[15]
Other non-interest expenses		151	[9],[11]	(36)	[9],[12]	(3)	[10],[13]	100	[9],[14]	21	[10],[15]
Provision for income taxes		(394)	[9],[11]	(276)	[9],[12]	(374)	[10],[13]	(1,004)	[9],[14]	(532)	[10],[15]
Net income		(731)	[9],[11]	(421)	[9],[12]	(299)	[10],[13]	(1,626)	[9],[14]	(1,535)	[10],[15]
Net income attributable to non-controlling interests in subsidiaries	[9]	(2)	[11]					(2)	[14]
Net income attributable to equity holders of the Bank		(729)	[9],[11]	(421)	[9],[12]	(299)	[10],[13]	(1,624)	[9],[14]	(1,535)	[10],[15]
Average assets		209,000	[9],[11]	202,000	[9],[12]	184,000	[10],[13]	205,000	[9],[14]	184,000	[10],[15]
Average liabilities		$ 256,000	[9],[11]	$ 247,000	[9],[12]	$ 274,000	[10],[13]	$ 253,000	[9],[14]	$ 278,000	[10],[15]
[1]Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.[2]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[3]Card revenues and Banking services fees are mainly earned in Canadian Banking 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 associated corporations for International Banking – $66, Global Wealth Management – $5, and Other – $(17).[5]Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $57, Global Wealth Management – $5, and Other – $2.[6]Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $8, International Banking – $62, Global Wealth Management – $5, and Other – $(20).[7]Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $(7), International Banking – $183, Global Wealth Management – $14, and Other – $(33).[8]Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $48, International Banking – $194, Global Wealth Management – $13, and Other – $(120).[9]Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. Effective January 1, 2024, the Bank no longer claims the dividend received deduction on Canadian shares that are mark-to-market property, which resulted in a lower TEB gross-up.[10]Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment.[11]Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $6 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.[12]Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $4 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.[13]Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $119 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.[14]Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $53 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.[15]Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $358 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.

Operating Segments - Schedule_2

Operating Segments - Schedule of Operating Segments (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations	$ (17)	$ 2	$ (20)	$ (33)	$ (120)
Tax-exempt income	6	4	119	53	358
Canadian banking [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations		(7)	8	(7)	48
International banking [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations	66	57	62	183	194
Global Wealth Management [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations	$ 5	$ 5	$ 5	$ 14	$ 13

Interest Income and Expense - D

Interest Income and Expense - Details of Interest Income from Financial Assets (Detail) - CAD ($) $ in Millions		3 Months Ended			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Disclosure of Interest Income Expense [line items]
Measured at amortized cost	[1],[2]	$ 13,657	$ 13,321	$ 13,124	$ 40,517	$ 37,484
Measured at FVOCI	[1],[2]	1,573	1,455	1,003	4,387	2,737
Interest income calculated using effective interest method	[1]	15,230	14,776	14,127	44,904	40,221
Other	[1],[3]	453	436	562	1,430	1,494
Interest income	[1],[4]	15,683	15,212	14,689	46,334	41,715
Measured at amortized cost	[1],[2]	10,763	10,452	10,058	31,829	27,960
Interest expense calculated using effective interest method	[1]	10,763	10,452	10,058	31,829	27,960
Other	[1],[5]	58	66	58	176	159
Interest expenses	[1]	$ 10,821	$ 10,518	$ 10,116	$ 32,005	$ 28,119
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]The interest income/expense on financial assets/liabilities are calculated using the effective interest method.[3]Includes dividend income on equity securities.[4]Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $15,230 for the three months ended July 31, 2024 (April 30, 2024 – $14,776; July 31, 2023 – $14,127) and for the nine months ended July 31, 2024 – $44,904 (July 31, 2023 – $40,221).[5]Includes interest on lease liabilities for the three months ended July 31, 2024 – $29 (April 30, 2024 – $30; July 31, 2023 – $29) and for the nine months ended July 31, 2024 – $89 (July 31, 2023 –$84) and insurance finance expense for the three months ended July 31, 2024 – $7 (April 30, 2024 – $8; July 31, 2023 – $7) and for the nine months ended July 31, 2024 – $22 (July 31, 2023 –$19).

Interest Income and Expense -_2

Interest Income and Expense - Details of Interest Income from Financial Assets (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended			9 Months Ended
	Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Expenses by nature [abstract]
Interest expense on lease liabilities	$ 29	$ 30	$ 29	$ 89	$ 84
Insurance finance expense	$ 7	$ 8	$ 7	$ 22	$ 19

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			9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023	Jul. 31, 2024	Jul. 31, 2023
Basic earnings per common share
Net income attributable to common shareholders	[1]	$ 1,756	$ 1,943	$ 2,067	$ 5,765	$ 5,705
Weighted average number of common shares outstanding	[1]	1,230	1,223	1,199	1,222	1,194
Basic earnings per common share	[1],[2]	$ 1.43	$ 1.59	$ 1.72	$ 4.72	$ 4.78
Diluted earnings per common share
Net income attributable to common shareholders	[1]	$ 1,756	$ 1,943	$ 2,067	$ 5,765	$ 5,705
Dilutive impact of share-based payment options and others	[1],[3]	(15)	(15)	2	(46)	(25)
Net income attributable to common shareholders (diluted)	[1]	$ 1,741	$ 1,928	$ 2,069	$ 5,719	$ 5,680
Weighted average number of common shares outstanding	[1]	1,230	1,223	1,199	1,222	1,194
Dilutive impact of share-based payment options and others	[1],[3]	5	5	15	6	7
Weighted average number of diluted common shares outstanding	[1]	1,235	1,228	1,214	1,228	1,201
Diluted earnings per common share	[1],[2]	$ 1.41	$ 1.57	$ 1.7	$ 4.66	$ 4.73
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Earnings per share calculations are based on full dollar and share amounts.[3]Certain 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		Jul. 31, 2024		Apr. 30, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Total	[1]	$ 1,295,815		$ 1,293,039	$ 1,298,687
Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	533,902		537,941	557,552
Undrawn commitments	[1]	100,236		99,489	103,721
Other exposures	[1],[4]	127,291		129,656	125,367
Total	[1]	761,429		767,086	786,640
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	414,464		408,209	403,635
Undrawn commitments	[1],[5]	119,860		117,685	108,354
Other exposures	[1],[5]	62		59	58
Total	[1],[5]	534,386		525,953	512,047
IRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Total	[1]	1,074,084
IRB portfolio [member] | Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	463,568
Undrawn commitments	[1]	93,615
Other exposures	[1],[4]	110,367
Total	[1]	667,550
IRB portfolio [member] | Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	295,961
Undrawn commitments	[1],[5]	110,573
Total	[1],[5]	406,534
Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Total	[1]	221,731
Standardized portfolio [member] | Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	70,334
Undrawn commitments	[1]	6,621
Other exposures	[1],[4]	16,924
Total	[1]	93,879
Standardized portfolio [member] | Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	118,503
Undrawn commitments	[1],[5]	9,287
Other exposures	[1],[5]	62
Total		$ 127,852	[1],[5]	$ 127,000	$ 125,000
[1]After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets.[2]Non-retail drawn exposures include government guaranteed and privately insured mortgages and retail loans.[3]Non-retail drawn includes loans, bankers’ acceptances, deposits with financial institutions and FVOCI debt securities.[4]Includes off-balance sheet lending instruments such as letters of credit, letters of guarantee, securitizations, over-the-counter derivatives and repo-style transactions net of related collateral.[5]Retail includes residential mortgages, credit cards, lines of credit, other personal loans and small business treated as other regulatory retail.

Financial Instruments - Additio

Financial Instruments - Additional Information (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jul. 31, 2024		Apr. 30, 2024	Oct. 31, 2023	Jul. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	$ 1,295,815		$ 1,293,039	$ 1,298,687
Decreases (increases) in the Bank's before-tax annual earnings		48		55		$ 68
The unrealized foreign currency translation losses		339		353		$ 328
Derivative liabilities transferred into Level 3		0		0
Derivative liabilities transferred out of Level 3		0		0
Equity securities [member]
Disclosure of detailed information about financial instruments [line items]
Derivative asset transferred out of Level 3					108
Obligations Relating To Short Selling Of Securities [Member]
Disclosure of detailed information about financial instruments [line items]
Liabilities transferred out of level two into level one		464		510	149
Liabilities transferred out of level one into level two		345		102	279
Trading assets [member]
Disclosure of detailed information about financial instruments [line items]
Assets transferred out of level two into level one		1,840		3,279	1,937
Assets transferred out of level one into level two		1,648		994	1,184
Investment Securities [Member]
Disclosure of detailed information about financial instruments [line items]
Assets transferred out of level two into level one		2,364		1,919	2,034
Assets transferred out of level one into level two		1,583		2,497	647
Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	221,731
AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	1,074,084
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1],[2]	534,386		525,953	512,047
Retail [member] | Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount		127,852	[1],[2]	127,000	125,000
Retail [member] | Standardized portfolio [member] | Real estate secured [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount		65,000		$ 66,000	$ 65,000
Retail [member] | AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1],[2]	$ 406,534
Percentage of residential mortgage portfolio insured		25%		25%	26%
Percentage of residential mortgage portfolio uninsured to average loan value		50%		51%	49%
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%
[1]After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets.[2]Retail includes residential mortgages, credit cards, lines of credit, other personal loans and small business treated as other regulatory retail.

Financial Instruments - VaR by

Financial Instruments - VaR by Risk Factor (Detail) - CAD ($) $ in Millions	Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023
Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	$ 9.8	$ 17.9	$ 12.6
Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	6.1	12.3	6.9
Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7.3	23	10.5
Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	5.1	4.9	3.1
Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.4	2.5	1.6
Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.8	1.7	3.7
Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.1	2.8	2.6
Risk diversification effect [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	(15.1)	(11)	(11.3)
Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	9.1	$ 18.8	$ 12.3
Weighted average [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	12.7
Weighted average [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7.7
Weighted average [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	13.7
Weighted average [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	4.6
Weighted average [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.1
Weighted average [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.1
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	(10.6)
Weighted average [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	13.9
Top of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	16.8
Top of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	11.8
Top of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	20.7
Top of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	5.9
Top of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	4.5
Top of range [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	4.1
Top of range [member] | Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	4
Top of range [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	19.1
Bottom of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	9.7
Bottom of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	5.9
Bottom of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	7.3
Bottom of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	3.4
Bottom of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	1.1
Bottom of range [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	1.3
Bottom of range [member] | Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	2.3
Bottom of range [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	$ 8.8

Financial Instruments - Fair Va

Financial Instruments - Fair Value of Financial Liabilities Designated at Fair Value Through Profit or Loss and Changes in Fair Value (Detail) - Senior note liabilities [member] - CAD ($) $ in Millions		3 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Fair value	[1]	$ 37,754	$ 32,987	$ 28,893
Change in fair value Gains/(Losses)	[1],[2]	(1,478)	1,058	(1,906)
Cumulative change in fair value Gains/(Losses)	[1],[3]	$ 3,981	$ 5,459	$ 4,567
[1]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 income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.[2]Change in the difference between the contractual maturity amount and the carrying value.[3]The cumulative change in fair value is measured from the instruments’ date of initial recognition.

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		9 Months Ended
		Jul. 31, 2024	Apr. 30, 2024	Jul. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Contractual maturity amount		$ 41,735	$ 38,446	$ 33,460
Carrying value	[1]	37,754	32,987	28,893
Difference between contractual maturity amount and carrying value		3,981	5,459	4,567
Changes in fair value for the three months period attributable to changes in own credit risk recorded in other comprehensive income Gains/(Losses)		127	(474)	(1,848)
Cumulative changes in fair value attributable to changes in own credit risk Gains/(Losses)	[2]	$ (867)	$ (994)	$ (48)
[1]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 income – trading revenues. The offsetting fair value changes from associated derivatives is also recorded in non-interest income – trading revenues.[2]The cumulative change in fair value is measured from the instruments’ date of initial recognition.

Financial Instruments - Summa_2

Financial Instruments - Summary of Fair Values of Financial Instruments of Bank Using Valuation Methods and Assumption (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Assets:
Cash and deposits with financial institutions	[1],[2]	$ 58,329	$ 58,631	$ 90,312
Trading assets	[2]	133,999	132,280	117,868
Securities purchased under resale agreements and securities borrowed	[2]	193,796	192,858	199,325
Derivative financial instruments	[2]	39,987	44,856	51,340
Customers' liability under acceptances	[2]	3,282	9,117	18,628
Liabilities:
Deposits	[2],[3]	949,201	942,028	952,333
Financial instruments designated at fair value through profit or loss	[2]	37,754	32,987	26,779
Acceptances	[2]	3,330	9,205	18,718
Obligations related to securities sold short	[2]	32,672	37,780	36,403
Derivative financial instruments	[2]	47,364	52,861	58,660
Obligations related to securities sold under repurchase agreements and securities lent	[2]	178,595	173,602	160,007
Subordinated debentures	[2]	7,716	8,129	9,693
Gross carrying amount [member]
Assets:
Cash and deposits with financial institutions	[2]	58,329	58,631	90,312
Trading assets	[2]	133,999	132,280	117,868
Securities purchased under resale agreements and securities borrowed	[2]	193,796	192,858	199,325
Derivative financial instruments	[2]	39,987	44,856	51,340
Investment securities – FVOCI and FVTPL	[2]	120,660	112,739	86,253
Investment securities – amortized cost	[2]	31,116	32,045	31,984
Loans	[2]	759,211	753,526	750,911
Customers' liability under acceptances	[2]	3,282	9,117	18,628
Other financial assets	[2]	23,725	24,644	26,614
Liabilities:
Deposits	[2]	949,201	942,028	952,333
Financial instruments designated at fair value through profit or loss	[2]	37,754	32,987	26,779
Acceptances	[2]	3,330	9,205	18,718
Obligations related to securities sold short	[2]	32,672	37,780	36,403
Derivative financial instruments	[2]	47,364	52,861	58,660
Obligations related to securities sold under repurchase agreements and securities lent	[2]	178,595	173,602	160,007
Subordinated debentures	[2]	7,716	8,129	9,693
Other financial liabilities	[2]	46,559	45,634	51,302
At fair value [member]
Assets:
Cash and deposits with financial institutions	[2]	58,329	58,631	90,312
Trading assets	[2]	133,999	132,280	117,868
Securities purchased under resale agreements and securities borrowed	[2]	193,796	192,858	199,325
Derivative financial instruments	[2]	39,987	44,856	51,340
Investment securities – FVOCI and FVTPL	[2]	120,660	112,739	86,253
Investment securities – amortized cost	[2]	30,046	30,452	29,816
Loans	[2]	753,762	743,991	736,366
Customers' liability under acceptances	[2]	3,282	9,117	18,628
Other financial assets	[2]	23,725	24,644	26,614
Liabilities:
Deposits	[2]	945,074	935,374	942,112
Financial instruments designated at fair value through profit or loss	[2]	37,754	32,987	26,779
Acceptances	[2]	3,330	9,205	18,718
Obligations related to securities sold short	[2]	32,672	37,780	36,403
Derivative financial instruments	[2]	47,364	52,861	58,660
Obligations related to securities sold under repurchase agreements and securities lent	[2]	178,595	173,602	160,007
Subordinated debentures	[2]	7,657	8,017	9,358
Other financial liabilities	[2]	$ 45,910	$ 44,623	$ 49,363
[1]Net of allowances of $3 (April 30, 2024 – $3; October 31, 2023 – $7).[2]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[3]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).

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		Jul. 31, 2024		Apr. 30, 2024		Oct. 31, 2023
Assets:
Precious metals	[1]	$ 2,419		$ 1,253		$ 937
Trading assets
Loans	[1]	7,642		7,141		7,544
Securities	[1]	124,117		123,091		107,612
Other	[1]	2,240		2,048		2,712
Derivative financial instruments
Derivative Financial Assets	[1]	39,987		44,856		51,340
Liabilities:
Deposits	[1],[2]	949,201		942,028		952,333
Financial liabilities designated at fair value through profit or loss	[1]	37,754		32,987		26,779
Obligations related to securities sold short	[1]	32,672		37,780		36,403
Derivative financial instruments
Derivative Financial Liabilities	[1]	47,364		52,861		58,660
Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[3]	2,419		1,253		937
Trading assets
Assets	[3]	133,999		132,280		117,868
Investment securities
Investment securities		120,660	[4]	112,739	[4]	86,253	[5]
Derivative financial instruments
Derivative Financial Assets		39,987		44,856		51,340
Liabilities:
Deposits		136	[6]	21	[6]	(95)	[7]
Financial liabilities designated at fair value through profit or loss		37,754	[6]	32,987	[6]	26,779	[7]
Obligations related to securities sold short		32,672	[6]	37,780	[6]	36,403	[7]
Derivative financial instruments
Derivative Financial Liabilities		47,364	[6]	52,861	[6]	58,660	[7]
Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans	[3]	7,642		7,141		7,544
Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	15,676		17,440		17,369
Investment securities
Investment securities		20,859	[4]	18,172	[4]	12,387	[5]
Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	7,638		9,904		9,453
Investment securities
Investment securities		16,469	[4]	14,483	[4]	7,146	[5]
Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	12,596		12,826		11,218
Investment securities
Investment securities		45,260	[4]	43,939	[4]	28,698	[5]
Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	12,488		12,320		10,645
Investment securities
Investment securities		30,726	[4]	29,186	[4]	31,418	[5]
Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	10,836		11,018		11,179
Investment securities
Investment securities		3,429	[4]	3,221	[4]	2,552	[5]
Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities	[3]	64,883		59,583		47,748
Investment securities
Investment securities		3,917	[4]	3,738	[4]	4,052	[5]
Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other	[3]	2,240		2,048		2,712
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		11,571		13,779		15,942
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		21,050		24,424		29,467
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		4,568		3,751		3,147
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		255		297		344
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,543		2,605		2,440
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		18,644	[6]	21,956	[6]	25,081	[7]
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		21,994	[6]	24,447	[6]	28,013	[7]
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		4,293	[6]	3,477	[6]	3,258	[7]
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		34	[6]	26	[6]	28	[7]
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		2,399	[6]	2,955	[6]	2,280	[7]
Level 1 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Trading assets
Assets	[3]	100,488		97,933		81,398
Investment securities
Investment securities		70,459	[4]	62,298	[4]	40,964	[5]
Derivative financial instruments
Derivative Financial Assets		125		77		54
Liabilities:
Obligations related to securities sold short		27,872	[6]	31,587	[6]	29,921	[7]
Derivative financial instruments
Derivative Financial Liabilities		129	[6]	138	[6]	135	[7]
Level 1 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	12,312		14,682		13,766
Investment securities
Investment securities		14,779	[4]	11,531	[4]	7,674	[5]
Level 1 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	5,733		5,941		5,299
Investment securities
Investment securities		9,825	[4]	7,399	[4]	3,695	[5]
Level 1 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	12,596		12,825		11,218
Investment securities
Investment securities		40,155	[4]	38,902	[4]	25,058	[5]
Level 1 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	849		716		19
Investment securities
Investment securities		3,657	[4]	2,749	[4]	2,527	[5]
Level 1 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	4,335		4,263		3,431
Investment securities
Investment securities	[4]	253		60
Level 1 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities	[3]	64,663		59,506		47,665
Investment securities
Investment securities		1,790	[4]	1,657	[4]	2,010	[5]
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		125		77		54
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		129	[6]	138	[6]	135	[7]
Level 2 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[3]	2,419		1,253		937
Trading assets
Assets	[3]	33,463		34,335		36,450
Investment securities
Investment securities		48,379	[4]	48,652	[4]	43,540	[5]
Derivative financial instruments
Derivative Financial Assets		39,794		44,757		51,245
Liabilities:
Deposits		136	[6]	21	[6]	(95)	[7]
Financial liabilities designated at fair value through profit or loss		37,754	[6]	32,987	[6]	26,779	[7]
Obligations related to securities sold short		4,800	[6]	6,193	[6]	6,482	[7]
Derivative financial instruments
Derivative Financial Liabilities		47,202	[6]	52,701	[6]	58,499	[7]
Level 2 [member] | Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans	[3]	7,614		7,133		7,540
Level 2 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	3,364		2,758		3,603
Investment securities
Investment securities		6,080	[4]	6,641	[4]	4,713	[5]
Level 2 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	1,905		3,963		4,154
Investment securities
Investment securities		6,644	[4]	7,084	[4]	3,451	[5]
Level 2 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agency debt [member] | IFRS9 [member]
Trading assets
Securities	[3]			1
Investment securities
Investment securities		5,105	[4]	5,037	[4]	3,640	[5]
Level 2 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	11,639		11,604		10,626
Investment securities
Investment securities		27,069	[4]	26,437	[4]	28,891	[5]
Level 2 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	6,489		6,755		7,748
Investment securities
Investment securities		3,138	[4]	3,119	[4]	2,512	[5]
Level 2 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities	[3]	212		73		67
Investment securities
Investment securities		343	[4]	334	[4]	333	[5]
Level 2 [member] | Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other	[3]	2,240		2,048		2,712
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		11,563		13,779		15,942
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		21,050		24,424		29,465
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		4,402		3,660		3,066
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		242		295		342
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,537		2,599		2,430
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		18,644	[6]	21,956	[6]	25,079	[7]
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		21,994	[6]	24,447	[6]	28,013	[7]
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		4,141	[6]	3,327	[6]	3,106	[7]
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		33	[6]	25	[6]	27	[7]
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		2,390	[6]	2,946	[6]	2,274	[7]
Level 3 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Trading assets
Assets	[3]	48		12		20
Investment securities
Investment securities		1,822	[4]	1,789	[4]	1,749	[5]
Derivative financial instruments
Derivative Financial Assets		68		22		41
Derivative financial instruments
Derivative Financial Liabilities		33	[6]	22	[6]	26	[7]
Level 3 [member] | Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans	[3]	28		8		4
Level 3 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities	[3]	12
Investment securities
Investment securities		38	[4]	42	[4]	40	[5]
Level 3 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities	[3]	8		4		16
Investment securities
Investment securities		1,784	[4]	1,747	[4]	1,709	[5]
Level 3 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets						2
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		41		14		27
Level 3 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		13		2		2
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		6		6		10
Level 3 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		8
Derivative financial instruments
Derivative Financial Liabilities	[7]					2
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		23	[6]	12	[6]	17	[7]
Level 3 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		1	[6]	1	[6]	1	[7]
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		$ 9	[6]	$ 9	[6]	$ 6	[7]
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.[2]Deposits denominated in U.S. dollars amount to $300,445 (April 30, 2024 – $304,171; October 31, 2023 – $320,088), deposits denominated in Chilean pesos amount to $20,655 (April 30, 2024 – $19,590; October 31, 2023 – $20,200), deposits denominated in Mexican pesos amount to $37,502 (April 30, 2024 – $39,429; October 31, 2023 – $38,127) and deposits denominated in other foreign currencies amount to $112,644 (April 30, 2024 – $112,707; October 31, 2023 – $116,926).[3]The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell.[4]Excludes debt investment securities measured at amortized cost of $31,116 (April 30, 2024 – $32,045).[5]Excludes debt investment securities measured at amortized cost of $31,984.[6]These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost.[7]These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amoritized cost.

Financial Instruments - Summa_4

Financial Instruments - Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis (Parenthetical) (Detail) - CAD ($) $ in Millions		Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Gross carrying amount [member]
Disclosure of fair value measurement of assets [line items]
Investment securities measured at amortized cost	[1]	$ 31,116	$ 32,045	$ 31,984
[1]The Bank adopted IFRS 17 effective November 1, 2023. As required under the new accounting standard, prior period amounts have been restated. Refer to Note 4.

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
		Jul. 31, 2024	Apr. 30, 2024		Oct. 31, 2023
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		$ 1,801
Gains/(losses) recorded in income		25
Gains/(losses) recorded in OCI		(1)
Purchases/ Issuances		92
Sales/ Settlements		(37)
Transfers into/out of Level 3		25
Fair value, ending balance		1,905	$ 1,801
Change in unrealized gains/(losses)recorded in income for instruments still held	[1]	25
Derivative financial instruments [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Gains/(losses) recorded in income		(1)
Purchases/ Issuances		6
Transfers into/out of Level 3		30
Fair value, ending balance		35
Change in unrealized gains/(losses)recorded in income for instruments still held	[1]	(1)
Obligations related to securities sold short [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance					$ (1)
Sales/ Settlements					1
Trading assets [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		12	5		1
Gains/(losses) recorded in income	[2]		(1)
Purchases/ Issuances		38	1		1
Sales/ Settlements		(1)	(1)
Transfers into/out of Level 3		(1)	8		18
Fair value, ending balance		48	12		20
Trading assets [member] | Corporate and other debt [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Purchases/ Issuances		8
Transfers into/out of Level 3		4
Fair value, ending balance		12
Trading assets [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		4
Purchases/ Issuances		3
Sales/ Settlements		(1)
Transfers into/out of Level 3		2
Fair value, ending balance		8	4
Trading assets [member] | Trading loans [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		8
Purchases/ Issuances		27
Transfers into/out of Level 3		(7)
Fair value, ending balance		28	8
Investment securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		1,789	1,832		1,807
Gains/(losses) recorded in income		26	60	[2]	(11)	[2]
Gains/(losses) recorded in OCI		(1)	(103)		3
Purchases/ Issuances		48	58		84
Sales/ Settlements		(36)	(57)		(29)
Transfers into/out of Level 3		(4)	(1)		(105)
Fair value, ending balance		1,822	1,789		1,749
Change in unrealized gains/(losses)recorded in income for instruments still held	[1]	26
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		42
Gains/(losses) recorded in OCI		3
Transfers into/out of Level 3		(7)
Fair value, ending balance		38	42
Investment securities [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		1,747
Gains/(losses) recorded in income		26
Gains/(losses) recorded in OCI		(4)
Purchases/ Issuances		48
Sales/ Settlements		(36)
Transfers into/out of Level 3		3
Fair value, ending balance		1,784	1,747
Change in unrealized gains/(losses)recorded in income for instruments still held	[1]	26
Derivative financial assets [member] | Interest rate contracts [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Purchases/ Issuances		8
Fair value, ending balance		8
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		14
Gains/(losses) recorded in income		(1)
Purchases/ Issuances		1
Transfers into/out of Level 3		27
Fair value, ending balance		41	14
Change in unrealized gains/(losses)recorded in income for instruments still held	[1],[3]	(1)
Derivative financial assets [member] | Credit 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		12
Fair value, ending balance		13	2
Change in unrealized gains/(losses)recorded in income for instruments still held	[1]	(1)
Derivative financial assets [member] | Commodity Contracts [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		6
Fair value, ending balance		6	6
Derivative financial instruments [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance			22		18
Gains/(losses) recorded in income	[2]		(10)		(6)
Purchases/ Issuances			1		2
Sales/ Settlements			1
Transfers into/out of Level 3			(14)		1
Fair value, ending balance					$ 15
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		(12)
Gains/(losses) recorded in income		1
Purchases/ Issuances		(3)
Transfers into/out of Level 3		(9)
Fair value, ending balance		(23)	(12)
Change in unrealized gains/(losses)recorded in income for instruments still held	[1],[3]	1
Credit contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		(1)
Fair value, ending balance		(1)	(1)
Commodity Contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		(9)
Fair value, ending balance		$ (9)	$ (9)
[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]Gains or losses for items in Level 3 may be offset with losses or gains on related hedges in Level 1 or Level 2.[3]Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market changes on other instruments included in trading revenues in the Consolidated Statement of Income, since these instruments act as an economic hedge to certain derivative assets and liabilities.

Provisions - Additional Informa

Provisions - Additional Information (Detail) - CAD ($) $ in Millions	Jul. 31, 2024	Jun. 30, 2024
Disclosure of Provisions [Line Items]
Amount of taxable temporary differences associated with investments in subsidiaries, associates and interests in joint ventures for which deferred tax liabilities have not been recognized	$ 176
Legal Proceedings Provision [Member] | Scotia Peru Holdings SA [Member]
Disclosure of Provisions [Line Items]
Provisions for fine and penalties	$ 34	$ 142

Corporate Income Taxes - Additi

Corporate Income Taxes - Additional Information (Detail) - CAD ($) $ in Millions		3 Months Ended
	Apr. 16, 2024	Jul. 31, 2024	Apr. 30, 2024
Disclosure Of Income Taxes [Line Items]
Global minimum tax rate		15%
Bottom of range [member]
Disclosure Of Income Taxes [Line Items]
Capital gains inclusion rate	50%
Top of range [member]
Disclosure Of Income Taxes [Line Items]
Capital gains inclusion rate	66.70%
2011 to 2018 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency			$ 1,556
2018 to 2019 taxation year [member] | Subsidiaries [member]
Disclosure Of Income Taxes [Line Items]
Subsidiary amount for tax assessment notice served		$ 3
2011 to 2019 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency		1,634	1,556
2019 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency			78
2014 to 2018 taxation year [Member] | Subsidiaries [member]
Disclosure Of Income Taxes [Line Items]
Subsidiary amount for tax assessment notice served		$ 551	$ 551

Divestiture - Additional Inform

Divestiture - Additional Information (Detail) - CAD ($) $ in Millions		9 Months Ended
	May 06, 2024	Jul. 31, 2024	Apr. 30, 2024	Oct. 31, 2023
Disclosure of analysis of single amount of discontinued operations [line items]
Impairment loss		$ 0	$ 0	$ 185
CrediScotia Financiera SA [Member]
Disclosure of analysis of single amount of discontinued operations [line items]
Impairment loss	$ 143
Gains (losses) on subsequent increase in fair value less costs to sell not in excess of recognised cumulative impairment loss or write-down to fair value less costs to sell	7
After tax impairment loss on disposal of business	$ 90

Events after the Consolidated_2

Events after the Consolidated Statement of Financial Position date - Additional Information (Detail) - KeyCorp [Member] - Acquirement of Subsidiary [Member] $ in Billions	Aug. 12, 2024 CAD ($)
Disclosure of non-adjusting events after reporting period [line items]
Estimated percentage points reduction in common equity tier one ratio on closing of initial investment	0.0010
Additional proportion of investment to be acquired in associates	10%
Proportion of initial investment to be acquired in associates	4.90%
Proportion of ownership interest in associate	14.90%
Amount payable for the purchase of interest in associates	$ 2.8
Top of range [member]
Disclosure of non-adjusting events after reporting period [line items]
Estimated percentage points reduction in common equity tier one ratio on closing of additional investment	0.0045
Bottom of range [member]
Disclosure of non-adjusting events after reporting period [line items]
Estimated percentage points reduction in common equity tier one ratio on closing of additional investment	0.0040