The Bank of Nova Scotia (BNS) 6-K 25 Feb 25 2025 Q1 Scotiabank reports first quarter results Financial data

Cover Page

Cover Page	3 Months Ended
	Jan. 31, 2025
Document Information [Line Items]
Document Type	6-K
Amendment Flag	false
Document Period End Date	Jan. 31, 2025
Document Fiscal Year Focus	2025
Document Fiscal Period Focus	Q1
Entity Registrant Name	BANK OF NOVA SCOTIA
Entity Central Index Key	0000009631
Current Fiscal Year End Date	--10-31

Consolidated Statement of Finan

Consolidated Statement of Financial Position - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Assets
Cash and deposits with financial institutions	[1]	$ 70,198	$ 63,860
Precious metals		3,687	2,540
Trading assets
Securities		126,019	119,912
Loans		8,048	7,649
Other		2,641	2,166
Total trading assets		136,708	129,727
Securities purchased under resale agreements and securities borrowed		195,258	200,543
Derivative financial instruments		48,035	44,379
Investment securities		153,019	152,832
Loans
Residential mortgages		358,791	350,941
Personal loans		106,635	106,379
Credit cards		17,548	17,374
Business and government		290,188	292,671
Loans and receivables gross		773,162	767,365
Allowance for credit losses		6,857	6,536
Loans and receivables		766,305	760,829
Other
Customers' liability under acceptances, net of allowance		207	148
Property and equipment		4,902	5,252
Investments in associates		5,940	1,821
Goodwill and other intangible assets		16,218	16,853
Deferred tax assets		2,892	2,942
Other assets		35,782	30,301
Other Assets		65,941	57,317
Total assets		1,439,151	1,412,027
Deposits
Personal		303,798	298,821
Business and government		617,874	600,114
Financial institutions		44,377	44,914
Deposits	[2]	966,049	943,849
Financial instruments designated at fair value through profit or loss		39,594	36,341
Other
Acceptances		210	149
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments		59,847	51,260
Obligations related to securities sold under repurchase agreements and securities lent		182,259	190,449
Subordinated debentures		8,042	7,833
Other liabilities		61,874	63,028
Other Liabilities		347,087	347,761
Total liabilities		1,352,730	1,327,951
Equity
Common shares		22,136	22,054
Retained earnings		57,445	57,751
Accumulated other comprehensive income (loss)		(4,789)	(6,147)
Other reserves		(229)	(68)
Total common equity		74,563	73,590
Preferred shares and other equity instruments		10,232	8,779
Total equity attributable to equity holders of the Bank		84,795	82,369
Non-controlling interests in subsidiaries		1,626	1,707
Total equity		86,421	84,076
Total liabilities and equity		$ 1,439,151	$ 1,412,027
[1]Net of allowances of $3 (October 31, 2024 – $3).[2]Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).

Consolidated Statement of Incom

Consolidated Statement of Income - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024		Jan. 31, 2024
Interest income
Loans	[1]	$ 11,537	$ 11,970		$ 11,912
Securities	[1]	2,164	2,213		2,303
Securities purchased under resale agreements and securities borrowed	[1]	616	471		346
Deposits with financial institutions	[1]	663	671		878
Interest income	[1]	14,980	15,325		15,439
Interest expense
Deposits		9,088	9,700		9,913
Subordinated debentures		99	112		135
Other		620	590		618
Interest expenses		9,807	10,402		10,666
Net interest income		5,173	4,923		4,773
Non-interest income
Card revenues		218	226		209
Banking services fees		502	484		500
Credit fees		326	282		496
Mutual funds		635	623		538
Brokerage fees		353	310		291
Investment management and trust		286	279		266
Underwriting and advisory fees		223	168		136
Non-trading foreign exchange		264	221		228
Trading revenues		655	408		473
Net gain on sale of investment securities		31	24		3
Net income from investments in associated corporations		113	41		46
Insurance service results		125	133		114
Other fees and commissions		422	362		291
Other		46	42		69
Total non-interest income		4,199	3,603		3,660
Total revenue		9,372	8,526	[2]	8,433	[2]
Provision for credit losses		1,162	1,030	[2]	962	[2]
Profit from operating activity		8,210	7,496		7,471
Non-interest expenses
Salaries and employee benefits		2,709	2,499		2,446
Premises and technology		800	752		708
Depreciation and amortization		403	501	[2],[3]	421	[2]
Communications		97	87		106
Advertising and business development		156	168		152
Professional		205	225		162
Business and capital taxes		184	161		183
Other		1,937	903		561
Total non-interest expenses		6,491	5,296		4,739
Income before taxes		1,719	2,200		2,732
Income tax expense		726	511	[2]	533	[2]
Net income		993	1,689	[2]	2,199	[2]
Net income attributable to non-controlling interests in subsidiaries		(154)	47	[2]	25	[2]
Net income attributable to equity holders of the Bank		1,147	1,642	[2]	2,174	[2]
Preferred shareholders and other equity instrument holders		122	121		108
Common shareholders		$ 1,025	$ 1,521		$ 2,066
Earnings per common share (in dollars)
Basic	[4]	$ 0.82	$ 1.23		$ 1.7
Diluted	[4]	0.66	1.22		1.68
Dividends paid per common share (in dollars)		$ 1.06	$ 1.06		$ 1.06
[1]Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $14,577 for the three months ended January 31, 2025 (October 31, 2024 –$14,967; January 31, 2024 – $14,898).[2]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.[3]Includes impairment charge of software intangible assets of $97 in the Other segment.[4]Earnings per share calculations are based on full dollar and share amounts.

Consolidated Statement of Inc_2

Consolidated Statement of Income (Parenthetical) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Profit or loss [abstract]
Interest income calculated using effective interest method	[1]	$ 14,577	$ 14,967	$ 14,898
[1]Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $14,577 for the three months ended January 31, 2025 (October 31, 2024 –$14,967; January 31, 2024 – $14,898).

Consolidated Statement of Compr

Consolidated Statement of Comprehensive Income - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2025	Oct. 31, 2024		Jan. 31, 2024
Statement of comprehensive income [abstract]
Net income	$ 993	$ 1,689	[1]	$ 2,199	[1]
Net change in unrealized foreign currency translation gains (losses):
Net unrealized foreign currency translation gains (losses)	1,645	(698)		(1,752)
Net gains (losses) on hedges of net investments in foreign operations	(683)	268		616
Income tax expense (benefit):
Net unrealized foreign currency translation gains (losses)	4	6		(5)
Net gains (losses) on hedges of net investments in foreign operations	(190)	73		168
Other comprehensive income on foreign currency translation and hedges of net investments net of tax	1,148	(509)		(1,299)
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	140	160		2,378
Reclassification of net (gains) losses to net income	(107)	(212)		(1,538)
Income tax expense (benefit):
Net gains (losses) in fair value	32	43		639
Reclassification of net (gains) losses to net income	(24)	(56)		(402)
Other comprehensive income net of tax available for sale financial assets net of tax	25	(39)		603
Net change in gains (losses) on derivative instruments designated as cash flow hedges:
Net gains (losses) on derivative instruments designated as cash flow hedges	(204)	1,494		1,647
Reclassification of net (gains) losses to net income	663	(652)		(145)
Income tax expense (benefit):
Net gains (losses) on derivative instruments designated as cash flow hedges	(32)	328		497
Reclassification of net (gains) losses to net income	155	(143)		(72)
Other comprehensive income net of tax cash flow hedges	336	657		1,077
Net changes in finance income/(expense) from insurance contracts:
Net finance income/(expense) from insurance contracts	5	(3)		8
Income tax expense (benefit)	1			2
Other comprehensive income on finance income/(expense) from insurance contracts	4	(3)		6
Other comprehensive income (loss) from investments in associates	(62)	1		(4)
Net change in remeasurement of employee benefit plan asset and liability:
Actuarial gains (losses) on employee benefit plans	260	(74)		(530)
Income tax expense (benefit)	78	(20)		(153)
Other comprehensive income net of tax actuarial gains (losses) on employee benefit plans	182	(54)		(377)
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	4	138		240
Income tax expense (benefit)	(8)	47		60
Other comprehensive income net of tax for equity instruments designated at fair value through other comprehensive income	12	91		180
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	(264)	(46)		(411)
Income tax expense (benefit)	(73)	(13)		(114)
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	(191)	(33)		(297)
Other comprehensive income (loss) from investments in associates	(7)			1
Other comprehensive income (loss)	1,447	111		(110)
Comprehensive income (loss)	2,440	1,800		2,089
Comprehensive income (loss) attributable to non-controlling interests	(65)	7		(18)
Comprehensive income (loss) attributable to equity holders of the Bank	2,505	1,793		2,107
Preferred shareholders and other equity instrument holders	122	121		108
Common shareholders	$ 2,383	$ 1,672		$ 1,999
[1]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.

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 at Oct. 31, 2023		$ 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		2,199	[3]		2,066			2,066	108	2,174	25
Other comprehensive income (loss)		(110)						(67)		(67)	(43)	(1,270)	606	166	1,083	(652)
Total comprehensive income		2,089			2,066			1,999	108	2,107	(18)	(1,270)	606	166	1,083	(652)
Shares/instruments issued		1,494		490				490	1,004	1,494
Shares repurchased/redeemed		(300)							(300)	(300)
Dividends and distributions paid to equity holders		(1,410)			(1,287)			(1,287)	(108)	(1,395)	(15)
Share-based payments	[4]	10					10	10		10
Other		(2)			(9)		7	(2)		(2)
Ending Balance at Jan. 31, 2024		80,452		20,599	56,443		(67)	69,977	8,779	78,756	1,696	(3,025)	(498)	180	(3,462)	(193)
Beginning Balance at Oct. 31, 2024		84,076		22,054	57,751		(68)	73,590	8,779	82,369	1,707	(3,559)	(491)	339	(2,197)	(239)
Statement [Line Items]
Net income		993			1,025			1,025	122	1,147	(154)
Other comprehensive income (loss)		1,447						1,358		1,358	89	1,078	24	15	337	(96)
Total comprehensive income		2,440			1,025			2,383	122	2,505	(65)	1,078	24	15	337	(96)
Shares/instruments issued		1,530		82			(5)	77	1,453	1,530
Dividends and distributions paid to equity holders		(1,458)			(1,320)			(1,320)	(122)	(1,442)	(16)
Share-based payments	[4]	8					8	8		8
Other		(175)			(11)		(164)	(175)		(175)
Ending Balance at Jan. 31, 2025		$ 86,421		$ 22,136	$ 57,445		$ (229)	$ 74,563	$ 10,232	$ 84,795	$ 1,626	$ (2,481)	$ (467)	$ 354	$ (1,860)	$ (335)
[1]Includes undistributed retained earnings of $77 (January 31, 2024 – $70) 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]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.[4]Represents amounts on account of share-based payments (refer to Note 13).

Consolidated Statement of Cha_2

Consolidated Statement of Changes in Equity (Parenthetical) - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure Of Restatement [abstract]
Undistributed retained earnings	$ 77	$ 74	$ 70

Consolidated Statement of Cash

Consolidated Statement of Cash Flows - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Jan. 31, 2024
Cash flows from operating activities
Net income		$ 993	$ 2,199	[1]
Adjustment for:
Net interest income	[2]	(5,173)	(4,773)	[1]
Depreciation and amortization		403	421
Provision for credit losses		1,162	962
Equity-settled share-based payment expense		8	10
Net gain on sale of investment securities		(31)	(3)
Net (gain)/loss on divestitures		1,362
Net income from investments in associated corporations		(113)	(46)
Income tax expense		726	533
Changes in operating assets and liabilities:
Trading assets		(4,277)	(9,682)
Securities purchased under resale agreements and securities borrowed		10,288	(3,332)
Loans		2,872	(473)
Deposits		8,050	2,645
Obligations related to securities sold short		(727)	7,552
Obligations related to securities sold under repurchase agreements and securities lent		(13,728)	5,230
Net derivative financial instruments		4,567	1,272
Other, net		(5,348)	(4,763)
Interest and dividends received		15,455	14,903
Interest paid		(10,511)	(10,327)
Income tax paid		(1,244)	(31)
Net cash from/(used in) operating activities		4,734	2,297
Cash flows from investing activities
Interest-bearing deposits with financial institutions		(4,065)	21,038
Purchase of investment securities		(17,115)	(39,777)
Proceeds from sale and maturity of investment securities		20,067	17,859
Acquisition/divestiture of subsidiaries, associated corporations or business units, net of cash acquired		(2,848)
Property and equipment, net of disposals		(8)	(146)
Other, net		(143)	(167)
Net cash from/(used in) investing activities		(4,112)	(1,193)
Cash flows from financing activities
Redemption of subordinated debentures			(1,750)
Proceeds from preferred shares and other equity instruments issued		1,453	1,004
Redemption of preferred shares			(300)
Proceeds from common shares issued		82	490
Cash dividends and distributions paid		(1,442)	(1,395)
Distributions to non-controlling interests		(16)	(15)
Payment of lease liabilities		(76)	(80)
Other, net		(407)	184
Net cash from/(used in) financing activities		(406)	(1,862)
Effect of exchange rate changes on cash and cash equivalents		275	(204)
Net change in cash and cash equivalents		491	(962)
Cash and cash equivalents at beginning of period	[3]	9,406	10,173
Cash and cash equivalents at end of period	[3]	$ 9,897	$ 9,211
[1]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.[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 5).

Reporting entity

Reporting entity	3 Months Ended
	Jan. 31, 2025
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	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Basis of preparation	2. Basis of preparation Statement of compliance These condensed interim consolidated financial statements of the Bank have been prepared in accordance with International Financial Reporting Standards (IFRS) as issued by the International Accounting Standards Board (IASB) and accounting requirements of OSFI in accordance with Section 308 of the Bank Act. Section 308 states that except as otherwise specified by OSFI, the financial statements are to be prepared in accordance with IFRS. These condensed interim consolidated financial statements were prepared in accordance with International Accounting Standard 34, Interim Financial Reporting The condensed interim consolidated financial statements for the quarter ended January 31, 2025 have been approved by the Board of Directors for issue on February 25, 2025. 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 Currently, there is high uncertainty surrounding future trade policy and tariffs to be implemented by the new U.S. administration. This results in increased measurement uncertainty for estimates used in financial reporting. In particular, the allowance for credit losses, using an expected credit loss approach as required under IFRS 9, is estimated using complex models and incorporates inputs, assumptions, and techniques that require a high degree of judgement and is heavily dependent on the forecast of macroeconomic variables. Due to the high level of uncertainty surrounding future U.S. trade policy and tariffs, estimates and valuation models applied based on conditions and information existing as at January 31, 2025 may be significantly different from the actual outcome.

Material accounting policies

Material accounting policies	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
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, 2024 included in the 2024 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, 2024 as described in Note 3 of the Bank’s audited consolidated financial statements in the 2024 Annual Report.

Future accounting developments

Future accounting developments	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Future accounting developments	4. Future accounting developments There are no significant updates to the future accounting developments disclosed in Note 6 of the Bank’s audited consolidated financial statements in the 2024 Annual Report.

Cash and deposits with financia

Cash and deposits with financial institutions	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Cash and deposits with financial institutions	5. Cash and deposits with financial institutions   As at ($ millions) January 31 October 31 Cash and non-interest-bearing $ 9,897 $ 9,406 Interest-bearing deposits with financial institutions 60,301 54,454 Total $ 70,198 (1) $    63,860 (1) (1) Net of allowances of $3 (October 31, 2024 – $3). The Bank is required to maintain balances with central banks, other regulatory authorities and certain counterparties and these amounted to $5,793 million (October 31, 2024 – $5,322 million) and are included above.

Investment securities

Investment securities	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Investment securities	6. Investment securities The following table presents the carrying amounts of the Bank’s investment securities per measurement category.   As at ($ millions) January 31 October 31 Debt investment securities measured at FVOCI $ 122,132 $ 118,226 Debt investment securities measured at amortized cost 28,494 29,412 Equity investment securities designated at FVOCI 290 3,162 Equity investment securities measured at FVTPL 2,076 2,004 Debt investment securities measured at FVTPL 27 28 Total investment securities $ 153,019 $   152,832 (a) Debt investment securities measured at fair value through other comprehensive income (FVOCI) As at January 31, 2025 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 21,039 $ 315 $ 124 $ 21,230 Canadian provincial and municipal debt 19,090 335 197 19,228 U.S. treasury and other U.S. agency debt 49,249 124 1,072 48,301 Other foreign government debt 29,882 218 382 29,718 Other debt 3,668 23 36 3,655 Total $  122,928 $ 1,015 $  1,811 $  122,132 As at October 31, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 21,473 $ 219 $ 152 $ 21,540 Canadian provincial and municipal debt 17,500 234 209 17,525 U.S. treasury and other U.S. agency debt 47,156 214 994 46,376 Other foreign government debt 29,505 181 400 29,286 Other debt 3,514 22 37 3,499 Total $  119,148 $  870 $  1,792 $  118,226 (b) Debt investment securities measured at amortized cost   As at  January 31, 2025 October 31, 2024 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 7,886 $ 7,831 $ 8,722 $ 8,721 U.S. treasury and other U.S. agency debt 17,496 18,399 17,440 18,440 Other foreign government debt 2,056 2,055 2,044 2,041 Corporate debt 215 209 216 210 Total $  27,653 $  28,494 $  28,422 $  29,412 (1) Balances are net of allowances, which are $1 (October 31, 2024 – $1). (c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) As at January 31, 2025 ($ millions) Cost Gross Gross Fair value Common shares $ 183 $ 136 $ 29 $ 290 Total $ 183 $ 136 $ 29 $ 290 As at October 31, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 2,522 $ 713 $ 73 $ 3,162 Total $  2,522 $  713 $  73 $  3,162 Dividend income earned on equity securities designated at FVOCI of $36 million for the three months ended January 31, 2025 (October 31, 2024 – $21 million; January 31, 2024 – $47 million) has been recognized in interest income. During the three months ended January 31, 2025, the Bank has disposed of certain equity securities designated at FVOCI with a fair value of $1,812 million (October 31, 2024 – nil million) for economic reasons and according to its investment strategy. This has resulted in a realized gain of $ nil 18

Loans, Impaired Loans and Allow

Loans, Impaired Loans and Allowance for Credit Losses	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Loans, Impaired Loans and Allowance for Credit Losses	7. Loans, impaired loans and allowance for credit losses (a) Loans at amortized cost  As at January 31, 2025 October 31, 2024 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 358,791 $ 1,280 $ 357,511 $ 350,941 $ 1,208 $ 349,733 Personal loans 106,635 2,426 104,209 106,379 2,319 104,060 Credit cards 17,548 1,185 16,363 17,374 1,160 16,214 Business and government 290,188 1,966 288,222 292,671 1,849 290,822 Total $  773,162 $  6,857 $  766,305 $  767,365 $  6,536 $  760,829 (b) Impaired loans (1)  As at January 31, 2025 October 31, 2024 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 2,563 $ 711 $ 1,852 $ 2,372 $ 645 $ 1,727 Personal loans 1,169 647 522 1,117 621 496 Credit cards – – – – – – Business and government 3,332 832 2,500 3,250 788 2,462 Total $ 7,064 $ 2,190 $ 4,874 $ 6,739 $ 2,054 $ 4,685 By geography: Canada $ 2,299 $ 623 $ 1,676 $ 2,158 $ 569 $ 1,589 United States 110 20 90 109 22 87 Mexico 1,371 438 933 1,343 424 919 Peru 730 404 326 715 385 330 Chile 1,343 293 1,050 1,249 281 968 Colombia 364 128 236 322 109 213 Other international 847 284 563 843 264 579 Total $  7,064 $  2,190 $  4,874 $    6,739 $  2,054 $    4,685 (1) Interest income recognized on impaired loans during the three months ended January 31, 2025 was $26 (October 31, 2024 – $22). (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. As required under IFRS 9, the allowance for credit losses at each reporting period must be based on inputs, assumptions and information available up to that date. Given the extreme uncertainty surrounding future U.S. trade policies and where tariffs would land, the scenarios this quarter have varying assumptions of imposed tariffs. The base case scenario assumed modest tariffs to provide directional guidance as tariffs remained to be negotiated. While these tariffs represent a fraction of the proposed measures contemplated by the U.S. administration, more severe assumptions are reflected in the pessimistic and very pessimistic scenarios which are described below. As new information comes to light in future quarters, the scenarios and assumptions will be updated accordingly. Stronger than expected domestic demand along with the positive wealth effects of the new U.S. administration’s de-regulation agenda and planned tax cuts are behind a higher growth profile for the U.S. economy in 2024 and 2025 relative to last quarter. These growth drivers are somewhat offset by the increase in uncertainty, especially as it relates to trade policy changes. Beyond 2025, we expect some of the U.S. administration’s advertised tariffs and associated trade uncertainty to lower the economy’s potential growth and slow GDP growth, driving a downward revision relative to last quarter. Canada’s GDP growth in 2024 is higher than in previous quarter largely due to historical revisions that resulted in a higher level of GDP in the first half of the year. Growth is expected to firm up in 2025 as interest rate-sensitive components react to the monetary policy rate easing that started in June of 2024, as well as a stronger U.S. economy and support by the Canadian government in the form of GST relief and cheques. Growth in Canada’s economic activity slows beyond 2025 due to slower population growth consistent with the announced change in the Government of Canada’s immigration policy, a softer U.S. economic growth and the impact on Canada’s economy from assumed U.S. tariffs. The optimistic scenario features somewhat stronger economic activity relative to the base case. The pessimistic scenario features a negative demand-type shock on the world economy with globally tighter private financial conditions, weaker growth and inflation, and lower monetary policy rates than in the baseline scenario. It also assumes U.S. imposed tariffs equivalent to 12.5% on imports from Canada and Mexico, 10% on China, and 5% everywhere else – facing no retaliation from these countries. Lastly, the very pessimistic scenario features a strong stagflationary impulse that leads to a protracted period of financial market uncertainty. It also assumes U.S. imposed tariffs with a magnitude twice that of the pessimistic scenario. Here, all countries retaliate. This results in higher inflation, requiring central banks to raise their policy rate to higher levels than in the base case in order to bring inflation under control, which is dampening economic activity. 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 January 31, 2025 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 2.1 1.7 2.9 2.6 -1.4 2.5 -4.5 3.1 Consumer price index, y/y % 2.0 2.0 2.2 2.4 1.3 1.7 5.7 2.1 Unemployment rate, average % 6.6 6.1 6.2 5.2 8.2 6.9 11.1 7.5 Bank of Canada overnight rate target, average % 3.0 2.7 3.2 3.6 2.6 2.1 3.8 3.3 HPI - Housing Price Index, y/y % change 3.4 2.8 4.3 4.1 -2.0 3.5 -4.8 2.8 USD/CAD exchange rate, average 1.44 1.35 1.43 1.33 1.55 1.34 1.62 1.36 U.S. Real GDP growth, y/y % change 2.1 1.8 2.9 2.5 -1.4 2.7 -3.8 3.1 Consumer price index, y/y % 2.3 2.3 2.5 2.6 2.5 2.1 6.3 2.5 Target federal funds rate, upper limit, average % 4.1 3.0 4.2 3.5 4.0 2.5 5.0 3.6 Unemployment rate, average % 4.1 4.4 4.0 4.1 5.9 5.0 8.0 5.3 Mexico Real GDP growth, y/y % change 0.8 2.1 1.6 2.9 -2.4 2.8 -5.3 3.5 Unemployment rate, average % 3.4 3.9 3.2 3.3 4.3 4.1 6.6 5.0 Chile Real GDP growth, y/y % change 2.5 2.3 4.1 3.1 -0.5 3.0 -4.5 3.9 Unemployment rate, average % 8.0 7.0 7.7 6.4 9.6 7.3 11.9 7.7 Peru Real GDP growth, y/y % change 2.8 3.1 3.8 4.2 -0.7 3.9 -1.7 4.3 Unemployment rate, average % 5.9 5.9 5.3 4.8 7.4 6.5 11.6 7.6 Colombia Real GDP growth, y/y % change 2.9 2.7 4.3 3.7 -0.4 3.4 -1.5 3.9 Unemployment rate, average % 10.4 10.1 10.0 9.2 13.0 11.1 20.3 13.2 Caribbean Real GDP growth, y/y % change 3.8 3.9 4.5 4.7 0.5 4.6 -2.4 5.2 Global WTI oil price, average USD/bbl 66 67 70 81 54 60 47 56 Copper price, average USD/lb 4.50 5.17 4.66 5.71 4.04 5.04 3.78 4.91 Global GDP, y/y % change 3.0 2.6 3.9 3.4 0.2 3.3 -2.1 3.8 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at October 31, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.8 2.2 2.8 3.1 -1.6 2.9 -4.4 3.4 Consumer price index, y/y % 2.2 2.0 2.4 2.5 1.6 1.7 5.8 2.2 Unemployment rate, average % 6.7 6.0 6.3 5.0 8.4 6.9 11.1 7.3 Bank of Canada overnight rate target, average % 3.3 2.6 3.5 3.6 2.9 2.0 4.0 3.2 HPI - Housing Price Index, y/y % change 1.6 4.2 2.4 5.5 -3.7 4.8 -5.8 4.1 USD/CAD exchange rate, average 1.34 1.30 1.33 1.28 1.43 1.28 1.49 1.30 U.S. Real GDP growth, y/y % change 1.6 2.2 2.3 3.1 -1.6 3.0 -4.0 3.4 Consumer price index, y/y % 2.4 2.3 2.6 2.7 1.3 2.0 6.2 2.5 Target federal funds rate, upper limit, average % 4.1 2.9 4.1 3.4 3.6 1.8 4.8 3.4 Unemployment rate, average % 4.3 4.3 4.2 3.9 6.0 4.9 8.1 5.2 Mexico Real GDP growth, y/y % change 1.3 2.1 2.6 2.9 -0.8 2.6 -2.9 3.2 Unemployment rate, average % 3.3 3.9 3.0 3.1 4.1 4.0 6.3 4.9 Chile Real GDP growth, y/y % change 3.0 2.2 4.6 3.2 0.1 3.0 -3.6 3.8 Unemployment rate, average % 7.9 6.7 7.6 6.0 9.5 7.0 11.5 7.4 Peru Real GDP growth, y/y % change 2.6 3.4 3.6 4.5 1.5 3.7 -0.5 4.3 Unemployment rate, average % 6.7 6.2 6.2 5.2 8.1 6.5 11.8 8.0 Colombia Real GDP growth, y/y % change 2.6 2.7 3.7 3.8 1.4 3.1 -0.5 3.6 Unemployment rate, average % 11.1 10.1 10.7 9.1 13.5 10.6 19.8 13.0 Caribbean Real GDP growth, y/y % change 3.6 3.8 4.2 4.5 2.5 4.2 0.6 4.7 Global WTI oil price, average USD/bbl 73 69 78 83 60 60 53 58 Copper price, average USD/lb 4.99 5.29 5.16 5.86 4.50 5.13 4.32 5.02 Global GDP, y/y % change 3.4 2.4 4.3 3.3 0.6 3.1 -1.5 3.5 (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 $4,890 million (October 31, 2024 – $4,682 million) from $4,475 million (October 31, 2024 – $4,316 million). The Bank enhanced certain of its IFRS 9 models in the current year and prior year, with the enhanced models exhibiting higher sensitivity to changes in the macroeconomic outlook. If the Bank was to apply a probability 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 $ Under our current probability-weighted scenarios, if all performing financial assets were in Stage 1, reflecting a 12 month expected loss period, the allowance for credit losses would be $732 million (October 31, 2024 – $693 million) lower than the reported allowance for credit losses on performing financial assets. (iv) Allowance for credit losses Allowance for credit losses ($ millions) Balance as at Provision for (1) Net write-offs Other, including Balance as at Residential mortgages $ 1,208 $ 64 $ (16 ) $ 24 $ 1,280 Personal loans 2,319 548 (485 ) 44 2,426 Credit cards 1,160 325 (331 ) 31 1,185 Business and government 2,036 243 (122 ) 17 2,174 $  6,723 $  1,180 $  (954 ) $  116 $  7,065 Presented as: Allowance for credit losses on loans $ 6,536 $ 6,857 Allowance for credit losses on acceptances (2) 1 1 Allowance for credit losses on off-balance (3) 186 207 (1) Excludes amounts associated with other assets and reversal of impairment losses of $ ) (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 $ 1,084 $ 63 $ (18 ) $ (14 ) $ 1,115 Personal loans 2,414 411 (427 ) (96 ) 2,302 Credit cards 1,237 290 (273 ) (22 ) 1,232 Business and government 1,876 199 (86 ) (58 ) 1,931 $  6,611 $  963 $  (804 ) $  (190 ) $  6,580 Presented as: Allowance for credit losses on loans $ 6,372 $ 6,328 Allowance for credit losses on acceptances (2) 90 96 Allowance for credit losses on off-balance (3) 149 156 (1) Excludes amounts associated with other assets and reversal of impairment losses of $ (1) 962 (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 January 31, 2025 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 160 $ 409 $ 711 $ 1,280 Personal loans 554 1,225 647 2,426 Credit cards 295 890 – 1,185 Business and government 614 520 832 1,966 Total (1) $  1,623 $  3,044 $  2,190 $  6,857 (1) Excludes allowance for credit losses of $223 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at October 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 165 $ 398 $ 645 $ 1,208 Personal loans 544 1,154 621 2,319 Credit cards 288 872 – 1,160 Business and government 586 475 788 1,849 Total (1) $  1,583 $  2,899 $  2,054 $  6,536 (1) Excludes allowance for credit losses of $200 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at January 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 246 $ 336 $ 533 $ 1,115 Personal loans 629 1,050 623 2,302 Credit cards 381 851 – 1,232 Business and government 512 419 748 1,679 Total (1) $  1,768 $  2,656 $  1,904 $  6,328 (1) Excludes allowance for credit losses of $269 for other financial assets including acceptances, investment securities, deposits with banks, off-balance The following table presents the changes to the allowance for credit losses on loans. As at and for the three months ended January 31, 2025 January 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 165 $ 398 $ 645 $ 1,208 $ 265 $ 321 $ 498 $ 1,084 Provision for credit losses Remeasurement (1) (58 ) 36 89 67 (65 ) 36 88 59 Newly originated or purchased financial assets 12 – – 12 11 – – 11 Derecognition of financial assets and maturities (2 ) (6 ) – (8 ) (2 ) (5 ) – (7 ) Changes in models and methodologies (2 ) (14 ) 9 (7 ) – – – – Transfer to (from): Stage 1 53 (43 ) (10 ) – 50 (37 ) (13 ) – Stage 2 (10 ) 55 (45 ) – (11 ) 49 (38 ) – Stage 3 – (25 ) 25 – – (21 ) 21 – Gross write-offs – – (24 ) (24 ) – – (23 ) (23 ) Recoveries – – 8 8 – – 5 5 Foreign exchange and other movements 2 8 14 24 (2 ) (7 ) (5 ) (14 ) Balance at end of period $ 160 $ 409 $ 711 $ 1,280 $ 246 $ 336 $ 533 $ 1,115 Personal loans Balance at beginning of period $ 544 $ 1,154 $ 621 $ 2,319 $ 647 $ 1,103 $ 664 $ 2,414 Provision for credit losses Remeasurement (1) (162 ) 279 390 507 (186 ) 221 352 387 Newly originated or purchased financial assets 101 – – 101 93 – – 93 Derecognition of financial assets and maturities (23 ) (41 ) – (64 ) (23 ) (46 ) – (69 ) Changes in models and methodologies (7 ) 3 8 4 – – – – Transfer to (from): Stage 1 150 (146 ) (4 ) – 172 (169 ) (3 ) – Stage 2 (58 ) 85 (27 ) – (58 ) 82 (24 ) – Stage 3 (2 ) (124 ) 126 – (3 ) (126 ) 129 – Gross write-offs – – (558 ) (558 ) – – (488 ) (488 ) Recoveries – – 73 73 – – 61 61 Foreign exchange and other movements 11 15 18 44 (13 ) (15 ) (68 ) (96 ) Balance at end of period $ 554 $ 1,225 $ 647 $ 2,426 $ 629 $ 1,050 $ 623 $ 2,302 Credit cards Balance at beginning of period $ 288 $ 872 $ – $ 1,160 $ 414 $ 823 $ – $ 1,237 Provision for credit losses Remeasurement (1) (81 ) 168 239 326 (99 ) 181 197 279 Newly originated or purchased financial assets 32 – – 32 40 – – 40 Derecognition of financial assets and maturities (13 ) (11 ) – (24 ) (13 ) (16 ) – (29 ) Changes in models and methodologies (2 ) (7 ) – (9 ) – – – – Transfer to (from): Stage 1 88 (88 ) – – 78 (78 ) – – Stage 2 (27 ) 27 – – (34 ) 34 – – Stage 3 – (88 ) 88 – – (70 ) 70 – Gross write-offs – – (373 ) (373 ) – – (316 ) (316 ) Recoveries – – 42 42 – – 43 43 Foreign exchange and other movements 10 17 4 31 (5 ) (23 ) 6 (22 ) Balance at end of period $ 295 $ 890 $ – $ 1,185 $ 381 $ 851 $ – $ 1,232 Total retail loans Balance at beginning of period $ 997 $ 2,424 $ 1,266 $ 4,687 $  1,326 $  2,247 $  1,162 $  4,735 Provision for credit losses Remeasurement (1) (301 ) 483 718 900 (350 ) 438 637 725 Newly originated or purchased financial assets 145 – – 145 144 – – 144 Derecognition of financial assets and maturities (38 ) (58 ) – (96 ) (38 ) (67 ) – (105 ) Changes in models and methodologies (11 ) (18 ) 17 (12 ) – – – – Transfer to (from): Stage 1 291 (277 ) (14 ) – 300 (284 ) (16 ) – Stage 2 (95 ) 167 (72 ) – (103 ) 165 (62 ) – Stage 3 (2 ) (237 ) 239 – (3 ) (217 ) 220 – Gross write-offs – – (955 ) (955 ) – – (827 ) (827 ) Recoveries – – 123 123 – – 109 109 Foreign exchange and other movements 23 40 36 99 (20 ) (45 ) (67 ) (132 ) Balance at end of period $ 1,009 $ 2,524 $ 1,358 $ 4,891 $ 1,256 $ 2,237 $ 1,156 $ 4,649 Non-retail Business and government Balance at beginning of period $ 739 $ 508 $ 788 $ 2,035 $ 635 $ 403 $ 748 $ 1,786 Provision for credit losses Remeasurement (1) (11 ) 67 179 235 (40 ) 92 162 214 Newly originated or purchased financial assets 358 – – 358 212 – – 212 Derecognition of financial assets and maturities (315 ) (27 ) (8 ) (350 ) (196 ) (34 ) (2 ) (232 ) Changes in models and methodologies – – – – – – – – Transfer to (from): Stage 1 25 (25 ) – – 44 (44 ) – – Stage 2 (22 ) 23 (1 ) – (31 ) 32 (1 ) – Stage 3 (1 ) (5 ) 6 – – (4 ) 4 – Gross write-offs – – (140 ) (140 ) – – (112 ) (112 ) Recoveries – – 18 18 – – 26 26 Foreign exchange and other movements 17 10 (10 ) 17 (10 ) (6 ) (43 ) (59 ) Balance at end of period including off-balance $ 790 $ 551 $ 832 $ 2,173 $ 614 $ 439 $ 782 $ 1,835 Less: Allowance for credit losses on off-balance (2) (176 ) (31 ) – (207 ) (102 ) (20 ) (34 ) (156 ) Balance at end of period (2) $ 614 $ 520 $ 832 $ 1,966 $ 512 $ 419 $ 748 $ 1,679 (1) Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. (2) Allowance for credit losses on off-balance (d) Carrying value of exposures by risk rating Residential mortgages As at January 31, 2025 As at October 31, 2024 Category of PD grades Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 212,730 $ 2,590 $ – $ 215,320 $ 211,165 $ 3,262 $ – $ 214,427 Low 83,365 2,808 – 86,173 78,344 3,625 – 81,969 Medium 22,202 1,940 – 24,142 19,205 2,072 – 21,277 High 2,669 5,526 – 8,195 2,561 5,280 – 7,841 Very high 48 3,024 – 3,072 13 2,814 – 2,827 Loans not graded (2) 18,605 721 – 19,326 18,614 1,614 – 20,228 Default – – 2,563 2,563 – – 2,372 2,372 Total $ 339,619 $ 16,609 $ 2,563 $ 358,791 $  329,902 $  18,667 $ 2,372 $  350,941 Allowance for credit losses 160 409 711 1,280 165 398 645 1,208 Carrying value $ 339,459 $ 16,200 $ 1,852 $ 357,511 $ 329,737 $ 18,269 $ 1,727 $ 349,733 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Personal loans As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 31,216 $ – $ – $ 31,216 $ 30,865 $ – $ – $ 30,865 Low 21,210 17 – 21,227 20,686 12 – 20,698 Medium 13,149 42 – 13,191 13,053 38 – 13,091 High 10,534 4,885 – 15,419 10,535 4,843 – 15,378 Very high 73 2,878 – 2,951 76 2,743 – 2,819 Loans not graded (2) 19,623 1,839 – 21,462 20,482 1,929 – 22,411 Default – – 1,169 1,169 – – 1,117 1,117 Total $ 95,805 $ 9,661 $ 1,169 $ 106,635 $   95,697 $   9,565 $ 1,117 $  106,379 Allowance for credit losses 554 1,225 647 2,426 544 1,154 621 2,319 Carrying value $ 95,251 $ 8,436 $ 522 $ 104,209 $ 95,153 $ 8,411 $ 496 $ 104,060 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Credit cards As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 2,480 $ – $ – $ 2,480 $ 2,382 $ 3 $ – $ 2,385 Low 3,058 5 – 3,063 2,872 25 – 2,897 Medium 4,786 17 – 4,803 4,631 55 – 4,686 High 3,067 1,804 – 4,871 3,069 1,880 – 4,949 Very high 18 1,189 – 1,207 16 1,028 – 1,044 Loans not graded (1) 664 460 – 1,124 895 518 – 1,413 Default – – – – – – – – Total $ 14,073 $ 3,475 $ – $ 17,548 $ 13,865 $ 3,509 $ – $ 17,374 Allowance for credit losses 295 890 – 1,185 288 872 – 1,160 Carrying value $ 13,778 $ 2,585 $ – $ 16,363 $  13,577 $  2,637 $ – $  16,214 (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 Retail As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 118,419 $ 1 $ – $ 118,420 $ 115,396 $ 2 $ – $ 115,398 Low 18,583 14 – 18,597 17,947 26 – 17,973 Medium 8,285 12 – 8,297 8,128 22 – 8,150 High 3,597 763 – 4,360 3,490 505 – 3,995 Very high 13 590 – 603 10 305 – 315 Loans not graded (1) 12,721 2,674 – 15,395 12,634 2,749 – 15,383 Default – – – – – – – – Carrying value $ 161,618 $ 4,054 $ – $ 165,672 $  157,605 $   3,609 $ – $  161,214 (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 January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 364,845 $ 2,591 $ – $ 367,436 $ 359,808 $ 3,267 $ – $ 363,075 Low 126,216 2,844 – 129,060 119,849 3,688 – 123,537 Medium 48,422 2,011 – 50,433 45,017 2,187 – 47,204 High 19,867 12,978 – 32,845 19,655 12,508 – 32,163 Very high 152 7,681 – 7,833 115 6,890 – 7,005 Loans not graded (2) 51,613 5,694 – 57,307 52,625 6,810 – 59,435 Default – – 3,732 3,732 – – 3,489 3,489 Total $ 611,115 $ 33,799 $ 3,732 $ 648,646 $ 597,069 $ 35,350 $ 3,489 $ 635,908 Allowance for credit losses 1,009 2,524 1,358 4,891 997 2,424 1,266 4,687 Carrying value $ 610,106 $ 31,275 $ 2,374 $ 643,755 $  596,072 $  32,926 $ 2,223 $  631,221 (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 January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 144,593 $ 2,180 $ – $ 146,773 $ 146,999 $ 1,829 $ – $ 148,828 Non-investment 123,310 9,527 – 132,837 124,749 8,800 – 133,549 Watch list 9 4,986 – 4,995 10 4,819 – 4,829 Loans not graded (2) 2,222 29 – 2,251 2,190 25 – 2,215 Default – – 3,332 3,332 – – 3,250 3,250 Total $ 270,134 $ 16,722 $ 3,332 $ 290,188 $ 273,948 $ 15,473 $ 3,250 $ 292,671 Allowance for credit losses 614 520 832 1,966 586 475 788 1,849 Carrying value $ 269,520 $ 16,202 $ 2,500 $ 288,222 $  273,362 $  14,998 $ 2,462 $  290,822 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Undrawn loan As at January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 248,127 $ 1,295 $ – $ 249,422 $ 243,635 $ 1,124 $ – $ 244,759 Non-investment 59,029 2,880 – 61,909 59,572 2,894 – 62,466 Watch list – 993 – 993 – 1,142 – 1,142 Loans not graded (2) 3,974 – – 3,974 3,921 – – 3,921 Default – – 34 34 – – 32 32 Total $ 311,130 $ 5,168 $ 34 $ 316,332 $ 307,128 $ 5,160 $ 32 $ 312,320 Allowance for credit losses 176 31 – 207 153 33 – 186 Carrying value $ 310,954 $ 5,137 $ 34 $ 316,125 $  306,975 $  5,127 $ 32 $  312,134 (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 January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 392,720 $ 3,475 $ – $ 396,195 $ 390,634 $ 2,953 $ – $ 393,587 Non-investment 182,339 12,407 – 194,746 184,321 11,694 – 196,015 Watch list 9 5,979 – 5,988 10 5,961 – 5,971 Loans not graded (2) 6,196 29 – 6,225 6,111 25 – 6,136 Default – – 3,366 3,366 – – 3,282 3,282 Total $ 581,264 $ 21,890 $ 3,366 $ 606,520 $ 581,076 $ 20,633 $ 3,282 $ 604,991 Allowance for credit losses 790 551 832 2,173 739 508 788 2,035 Carrying value $ 580,474 $ 21,339 $ 2,534 $ 604,347 $  580,337 $  20,125 $ 2,494 $  602,956 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. (e) Loans past due but not impaired (1) A loan is considered past due when a counterparty has not made a payment by the contractual due date. The following table presents the carrying value of loans that are contractually past due but not classified as impaired because they are either less than 90 days past due or fully secured and collection efforts are reasonably expected to result in repayment or restoring it to a current status in accordance with the Bank’s policy. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. As at January 31, 2025 As at October 31, 2024 ($ millions) 31-60 61-90 91 days (2) Total 31-60 61-90 91 days (2) Total Residential mortgages $ 1,505 $ 715 $ – $ 2,220 $ 1,418 $ 718 $ – $ 2,136 Personal loans 661 360 – 1,021 647 343 – 990 Credit cards 256 187 416 859 242 172 398 812 Business and government 150 54 – 204 192 48 – 240 Total $ 2,572 $ 1,316 $ 416 $ 4,304 $  2,499 $  1,281 $  398 $  4,178 (1) Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due. (2) All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due. (f) Purchased credit-impaired loans Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets:  As at ($ millions) January 31 October 31 Unpaid principal balance (1) $ 248 $ 243 Credit related fair value adjustments (29 ) (29 ) Carrying value 219 214 Stage 3 allowance (1 ) (1 ) Carrying value net of related allowance $ 218 $     213 (1) Represents principal amount owed net of write-offs.

Derecognition of financial asse

Derecognition of financial assets	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Derecognition of financial assets	8. 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 majority of mortgages sold 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) January 31 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 10,202 $ 11,190 Other related assets (2) 6,747 7,202 Liabilities Carrying value of associated liabilities $ 16,807 $  17,923 (1) The fair value of the transferred assets is $16,772 (October 31, 2024 – $18,092) and the fair value of the associated liabilities is $16,769 (October 31, 2024 – $17,692) for a net position of $3 (October 31, 2024 – $400). (2) These include cash held in trust and trust permitted investment assets, including repurchase style transactions of mortgage-backed securities, acquired as part of the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. Securitization of credit card and auto loans The Bank securitizes a portion of its unsecured credit card and auto loan receivables through consolidated structured entities. These receivables continue to be recognized on the Consolidated Statement of Financial Position as personal loans and credit card loans. During the quarter, $ million (October 31, 2024 – ) of the Bank’s Canadian auto loan receivables were securitized through Securitized Term Auto Receivables Trust 2025-A (START 2025-A), a Bank-sponsored consolidated structured entity. As of January 31, 2025, USD $200 million (CAD $291 million) (October 31, 2024 – nil) START 2025-A subordinated notes that were issued to third party investors were outstanding and included in deposits – business and government on the Consolidated Statement of Financial Position. Securities sold under repurchase agreements and securities lent The Bank enters into transactions, such as repurchase agreements and securities lending agreements, where the Bank transfers assets under agreements to repurchase them on a future date and retains all the substantial risks and rewards associated with the assets. The transferred securities remain on the Consolidated Statement of Financial Position. The following table provides the carrying amount of the transferred assets and the associated liabilities:   As at ($ millions) January 31 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 163,805 $ 174,334 Securities lending agreements 71,189 58,477 Total 234,994 232,811 Carrying value of associated liabilities (3) $ 182,259 $  190,449 (1) The fair value of transferred assets is $234,994 (October 31, 2024 – $232,811) and the fair value of the associated liabilities is $182,259 (October 31, 2024 – $190,449) for a net position of $52,735 (October 31, 2024 – $42,362). (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. Other off-balance sheet arrangements The Bank uses a capital vehicle to transfer credit exposure to security holders of the vehicle. While credit exposures are transferred, the related assets are not derecognized from the balance sheet. During the quarter, USD $490 million of guarantee-linked notes (October 31, 2024 – nil) were issued from this vehicle and included in deposits – business and government on the Consolidated Statement of Financial Position.

Investments in Associates

Investments in Associates	3 Months Ended
	Jan. 31, 2025
Investments accounted for using equity method [abstract]
Investments in Associates	9. Investments in associates The Bank had significant investments in the following associates: As at January 31 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying KeyCorp (2) United States Banking 14.92 % December 31, 2024 $ 4,065 $ – Bank of Xi’an Co. Ltd. (3)(4) China Banking 18.11 % December 31, 2024 698 658 Maduro & Curiel’s Bank N.V. (5) Curacao Banking 48.10 % December 31, 2024 558  527 (1) Represents the date of the most recent financial statements. Where available, financial statements prepared by the associates’ management or other published information is used to estimate the change in the Bank’s interest since the most recent financial statements. (2) On December 27, 2024, the Bank completed the acquisition of an additional 10% ownership interest, bringing the total ownership interest in KeyCorp to 14.92% (refer to Note 20 for further details). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. Based on the quoted price on the New York Stock Exchange, the Bank’s Investment in KeyCorp was $4,257 as at January 31, 2025 . (3) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $567 (October 31, 2024 – $570). The market value of the investment has remained below the carrying amount. The Bank performed an impairment test as at January 31, 2025 using a value in use (VIU) discounted cash flow model. The Bank concluded that there is no impairment as at January 31, 2025 (October 31, 2024 – $343). (4) The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. ( 5 The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2025, these reserves amounted to $77

Deposits

Deposits	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Deposits	10. Deposits As at January 31, 2025 October 31 Payable on demand (1) Payable after (2) ($ millions) Interest- Non-interest- Payable on a (3) Total Total Personal $ 5,950 $ 10,647 $ 149,312 $ 137,889 $ 303,798 $ 298,821 Business and government 186,964 32,692 61,448 336,770 617,874 600,114 Financial institutions 9,705 1,458 2,198 31,016 44,377 44,914 $ 202,619 $ 44,797 $ 212,958 (4) $ 505,675 $ 966,049 $ 943,849 Recorded in: Canada $  142,823 $  24,198 $  174,263 $  350,443 $  691,727 $  686,817 United States 48,204 53 2,231 48,608 99,096 90,442 United Kingdom – – 180 30,906 31,086 27,091 Mexico 154 6,936 12,588 17,875 37,553 36,751 Peru 6,167 51 5,823 6,950 18,991 17,710 Chile 1,418 5,254 146 17,058 23,876 23,232 Colombia 27 567 3,631 4,909 9,134 8,102 Other International 3,826 7,738 14,096 28,926 54,586 53,704 Total (5) $ 202,619 $ 44,797 $ 212,958 $ 505,675 $ 966,049 $ 943,849 (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 non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683). 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 January 31, 2025 $ 64,683 $ 39,867 $ 61,186 $ 107,596 $ 19,024 $ 292,356 As at October 31, 2024 $  64,521 $  37,062 $  59,273 $  115,757 $  18,820 $  295,433 (1) The majority of foreign term deposits are in excess of $100,000.

Capital and financing transacti

Capital and financing transactions	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Capital and financing transactions	11. Capital and financing transactions Common shares For the three months ended January 31, 2025 January 31, 2024 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,244,435,686 $  22,054 1,214,044,420 $ 20,109 Issued in relation to share-based payments, net 1,092,275 82 58,042 4 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) – – 8,024,950 486 Outstanding at end of period 1,245,527,961 $ 22,136 1,222,127,412 $  20,599 (1) Effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank has suspended the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and has discontinued issuances of common shares from treasury under the Plan. Additionally, 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. Preferred shares and other equity instruments Issuance On January 31, 2025, the Bank issued USD$1,000 million of 7.350% Limited Recourse Capital Notes Series 6 (NVCC) (LRCN Series 6) due April 27, 2085, which form part of the Bank’s Additional Tier 1 Capital. Non-deferrable interest is payable quarterly at a fixed rate of 7.350% per annum until April 27, 2030; and thereafter, the non-deferrable interest will reset every fifth year until April 27, 208 0 Upon the occurrence of a recourse event, the LRCN Series 6 noteholders’ sole recourse will be limited to their proportionate share of the assets held in the Scotiabank LRCN Trust. A recourse event occurs if (a) there is non-payment in cash by the Bank of the principal amount, together with any accrued and unpaid interest, on the maturity date, (b) there is non-payment in cash of interest which is not cured within 5 business days, (c) there is non-payment in cash of the redemption price in connection with the redemption of LRCN Series 6, (d) an event of default occurs (bankruptcy, insolvency, or liquidation of the Bank), or (e) there is an NVCC Trigger Event. Subject to regulatory consent and approval, the LRCN Series 6 are redeemable, in whole or in part, on April 27, 2030 and each interest payment date thereafter. The LRCN Series 6 and Series 6 AT1 Notes are the Bank’s direct unsecured obligations, ranking subordinate to the Bank’s Subordinated debentures and ranking equally with the Bank’s existing NVCC subordinated additional Tier 1 capital securities. The LRCN Series 6 and the Series 6 AT1 Notes include NVCC provisions necessary for them to qualify as Tier 1 regulatory capital under Basel III. NVCC provisions require the conversion of the Series 6 AT1 Notes into a variable number of common shares if OSFI announces that the Bank has ceased, or is about to cease, to be viable, or if the federal or a provincial government in Canada publicly announces that the Bank has accepted or agreed to accept a capital injection, or equivalent support, from the federal government or any provincial government or political subdivision or agent thereof without which the Bank would have been determined by OSFI to be non-viable. Upon an NVCC Trigger Event, LRCN Series 6 will cease to be outstanding following delivery to the noteholders of their proportionate share of the trust assets comprised of common shares of the Bank received by the Scotiabank LRCN Trust upon automatic conversion of the Series 6 AT1 Notes. The LRCN Series 6 are compound instruments with both equity and liability features. On the date of issuance, the Bank has assigned an insignificant value to the liability component of LRCN Series 6 and, as a result, the full proceeds received have been presented as equity.

Capital Management

Capital Management	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Capital Management	12. Capital management The Bank’s regulatory capital, total loss absorbing capacity and leverage measures were as follows: As at ($ millions) January 31 October 31 Capital (1) Common Equity Tier 1 capital $ 60,294 $ 60,631 Net Tier 1 capital 70,592 69,499 Total regulatory capital 78,622 77,708 Total loss absorbing capacity (TLAC) (2) 135,010 137,752 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1)(3) $ 468,124 $ 463,992 Leverage exposures (4) 1,586,812  1,563,140 Regulatory ratios (1) Common Equity Tier 1 capital ratio 12.9 % 13.1 % Tier 1 capital ratio 15.1 % 15.0 % Total capital ratio 16.8 % 16.7 % Total loss absorbing capacity ratio (2) 28.8 % 29.7 % Leverage ratio (4) 4.4 % 4.4 % Total loss absorbing capacity leverage ratio (2) 8.5 % 8.8 % (1) The regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). (2) This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). (3) As at January 31, 2025, 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 October 31, 2024, the Bank did have a regulatory capital floor add-on to risk-weighted assets for CET1, Tier 1, Total Capital and TLAC RWA). (4) The leverage ratios are based on 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 January 31, 2025, including the Domestic Stability Buffer requirement. In addition, the Bank substantially exceeded OSFI minimum leverage and TLAC leverage ratios as at January 31, 2025.

Share-Based Payments

Share-Based Payments	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Share-Based Payments	13. Share-based payments In Q1 2025, the Bank granted 1,586,630 options with an exercise price of $79.13 per option and a weighted average fair value of $8.26 to select employees, under the terms of the Employee Stock Option Plan. These stock options vest % at the end of the third year and the remaining % at the end of the fourth year. The Bank recorded an increase to equity – other reserves of $8 million for the three months ended January 31, 2025 (January 31, 2024 – $10 million), as a result of equity-classified share-based payment expense.

Employee Benefits

Employee Benefits	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Employee Benefits	14. Employee benefits Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans (1) For the three months ended Pension plans Other benefit plans ($ millions) January 31 January 31 January 31 January 31 Defined benefit service cost $ 83 $ 52 $ 6 $ 5 Interest on net defined benefit (asset) liability (3 ) (8 ) 16 17 Other 3 3 – 3 Defined benefit expense $ 83 $ 47 $ 22 $ 25 Defined contribution expense $ 49 $ 46 $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $  273 $  (472 ) $  (13 ) $  (58 ) (1) Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. (2) Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.

Operating Segments

Operating Segments	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Operating Segments	15. 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 2024 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 Effective the first quarter of 2025, the Bank made voluntary changes to its allocation methodology impacting business segment presentation. The new methodology includes updates related to the Bank’s funds transfer pricing, head office expense allocations, and allocations between business segments. Prior period results for each segment have been revised to conform with the current period’s methodology. Further details on the changes are as follows: 1. Funds transfer pricing methodology was updated, primarily related to the allocation of substantially all liquidity costs to the business lines, reflecting the Bank’s strategic objective to maintain higher liquidity ratios. 2. Periodically, the Bank updates its allocation methodologies. This includes a comprehensive update to the allocation of head office expenses across countries within International Banking, updates to the allocation of clients and associated revenue, expenses, and balances between International Banking, Global Banking and Markets, and Global Wealth Management to align with the strategy, as well as updates to the allocation of head office expenses and taxes from the Other segment to the business segments. 3. To be consistent with the reporting of Scotiabank’s recent minority investment in KeyCorp, the Bank has also made changes to the reporting of certain minority investments in International Banking (Bank of Xi’an) and Global Wealth Management (Bank of Beijing Scotia Asset Management) which will now be reported in the Other segment. For the three months ended January 31, 2025 ($ millions) Canadian (1) International (1) Global Wealth (1) Global (1) Other (2) Total Net interest income (3) $   2,647 $   2,169 $ 232 $ 319 $ (194 ) $ 5,173 Non-interest (4)(5) 765 861 1,347 1,275 (49 ) 4,199 Total revenues 3,412 3,030 1,579 1,594 (243 ) 9,372 Provision for credit losses 538 602 4 18 – 1,162 Depreciation and amortization 136 130 47 64 26 403 Other non-interest 1,475 1,423 975 827  1,388 ( 6 6,088 Provision for income taxes 350 189 144 168 (125 ) 726 Net income $ 913 $ 686 $ 409 $ 517 $ (1,532 ) $ 993 Net income attributable to non-controlling $ – $ 35 $ 2 $ – $ (191 ) $ (154 ) Net income attributable to equity holders of the Bank $ 913 $ 651 $ 407 $ 517 $ (1,341 ) $ 1,147 Average assets ($ billions) $ 460 $ 229 $ 37 $ 511 $ 224 $ 1,461 Average liabilities ($ billions) $ 386 $ 174 $ 43 $ 511 $ 262 $   1,376 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $24, 35 54 (6) Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. For the three months ended October 31, 2024 (1) ($ millions) Canadian (2) International (2) Global Wealth (2) Global (2) Other (3) Total Net interest income (4) $ 2,635 $ 2,147 $ 207 $ 280 $ (346 ) $ 4,923 Non-interest (5)(6) 684 712   1,259 992 (44 ) 3,603 Total revenues 3,319 2,859 1,466   1,272 (390 ) 8,526 Provision for credit losses 450 556 5 19 – 1,030 Depreciation and amortization (7) 133 141 45 66 116 501 Other non-interest 1,445 1,350 904 741 355 4,795 Provision for income taxes 357 168 130 99 (243 ) 511 Net income $ 934 $ 644 $ 382 $ 347 $   (618 ) $   1,689 Net income attributable to non-controlling $ – $ 44 $ 2 $ – $ 1 $ 47 Net income attributable to equity holders of the Bank $ 934 $ 600 $ 380 $ 347 $ (619 ) $ 1,642 Average assets ($ billions) $ 457 $ 224 $ 36 $ 486 $ 216 $ 1,419 Average liabilities ($ billions) $ 385 $ 171 $ 41 $ 478 $ 260 $ 1,335 (1) Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology. (2) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (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 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 net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $(2); International Banking – $36 , (7) Includes impairment charge of software intangible assets of $97 in the Other segment. For the three months ended January 31, 2024 (1) ($ millions) Canadian (2) International (2) Global Wealth (2) Global (2) Other (3) Total Net interest income (4) $     2,491 $     2,240 $ 185 $ 270 $   (413 ) $ 4,773 Non-interest (5)(6) 734 834 1,139 1,023 (70 )     3,660 Total revenues 3,225 3,074     1,324     1,293 (483 ) 8,433 Provision for credit losses 378 574 5 5 – 962 Depreciation and amortization 147 143 47 62 22 421 Other non-interest 1,352 1,439 827 719 (19 ) 4,318 Provision for income taxes 375 183 112 119 (256 ) 533 Net income $ 973 $ 735 $ 333 $ 388 $ (230 ) $ 2,199 Net income attributable to non-controlling $ – $ 22 $ 3 $ – $ – $ 25 Net income attributable to equity holders of the Bank $ 973 $ 713 $ 330 $ 388 $ (230 ) $ 2,174 Average assets ($ billions) $ 445 $ 235 $ 35 $ 505 $ 203 $ 1,423 Average liabilities ($ billions) $ 393 $ 183 $ 41 $ 476 $ 251 $ 1,344 (1) Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology. (2) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (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 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 – $34, and Other – $12.

Interest Income and Expense

Interest Income and Expense	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Interest Income and Expense	16. Interest income and expense For the three months ended January 31, 2025 October 31, 2024 January 31, 2024 ($ millions) Interest Interest Interest Interest Interest Interest Measured at amortized cost (1) $ 13,135 $ 9,746 $ 13,449 $ 10,348 $ 13,539 $ 10,614 Measured at FVOCI (1) 1,442 – 1,518 – 1,359 – 14,577 9,746 14,967 10,348 14,898  10,614 Other 403 (2) 61 (3) 358 (2) 54 (3) 541 (2) 52 (3) Total $ 14,980 $ 9,807 $  15,325 $  10,402 $  15,439 $ 10,666 (1) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (2) Includes dividend income on equity securities. (3) Includes interest on lease liabilities for the three months ended January 31, 2025 – $32 (October 31, 2024 – $30; January 31, 2024 – $30) and insurance finance expense for the three months ended January 31, 2025 – $8 (October 31, 2024 – $8; January 31, 2024 – $7).

Earnings Per Share

Earnings Per Share	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Earnings Per Share	17. Earnings per share For the three months ended ($ millions) January 31 October 31 January 31 Basic earnings per common share Net income attributable to common shareholders $ 1,025 $  1,521 $  2,066 Weighted average number of common shares outstanding (millions) 1,245 1,238 1,214 Basic earnings per common share (1) (in dollars) $ 0.82 $ 1.23 $ 1.70 Diluted earnings per common share Net income attributable to common shareholders $ 1,025 $ 1,521 $ 2,066 Dilutive impact of share-based payment options and others (2) (196 ) (3 ) (15 ) Net income attributable to common shareholders (diluted) $ 829 $ 1,518 $ 2,051 Weighted average number of common shares outstanding (millions) 1,245 1,238 1,214 Dilutive impact of share-based payment options and others (2) (millions) 5 5 7 Weighted average number of diluted common shares outstanding (millions) 1,250 1,243 1,221 Diluted earnings per common share (1) (in dollars) $      0.66 $ 1.22 $ 1.68 (1) Earnings per share calculations are based on full dollar and share amounts. (2) Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial Instruments

Financial Instruments	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Financial Instruments	18. 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, 2024. (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 Exposure at default (1) As at January 31, 2025 October 31 ($ millions) IRB Standardized Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 465,056 $ 68,707 $ 533,763 $ 535,326 Undrawn commitments 89,009 5,479 94,488 99,011 Other exposures (4) 135,971 18,363 154,334 131,677 Total non-retail $ 690,036 $ 92,549 $ 782,585 $ 766,014 Retail (5) Drawn $ 302,945 $ 121,094 $ 424,039 $ 417,760 Undrawn commitments 111,833 9,808 121,641 121,609 Other exposures – 64 64 62 Total retail $ 414,778 $ 130,966 $ 545,744 $ 539,431 Total $  1,104,814 $  223,515 $  1,328,329 $  1,305,445 (1) After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets. (2) Non-retail (3) Non-retail (4) Includes off-balance over-the-counter (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 The Bank’s non-retail Credit quality of retail exposures The Bank’s retail portfolios consist of a number of relatively small loans to a large number of borrowers. The portfolios are distributed across Canada and a wide range of countries. As such, the portfolios inherently have a high degree of diversification. In addition, as of January 31, 2025, 23% (October 31, 2024 – 24%) of the Canadian residential mortgage portfolio is insured. The average loan-to-value Retail standardized portfolio The retail standardized portfolio of $131 billion as at January 31, 2025 (October 31, 2024 – $127 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, $66 billion (October 31, 2024 – $64 billion) was represented by mortgages and loans secured by residential real estate, mostly with a loan-to-value (ii) Liquidity risk Liquidity risk is the risk that the Bank is unable to meet its financial obligations in a timely manner at reasonable prices. The Bank’s liquidity risk is subject to extensive risk management controls and is managed within the framework of policies and limits approved by the Board. The Board receives reports on risk exposures and performance against approved limits. The Asset/Liability Committee (ALCO) provides senior management oversight of liquidity risk. The key elements of the Bank’s liquidity risk management framework include: • liquidity risk measurement and management limits, including limits on maximum net cash outflow by currency over specified short-term horizons; • prudent diversification of its wholesale funding activities by using a number of different funding programs to access the global financial markets and manage its maturity profile, as appropriate; • large holdings of liquid assets to support its operations, which can generally be sold or pledged to meet the Bank’s obligations; • liquidity stress testing, including Bank-specific, global-systemic, and combination systemic/specific scenarios; and • liquidity contingency planning. The Bank’s foreign operations have liquidity management frameworks that are similar to the Bank’s framework. Local deposits are managed from a liquidity risk perspective based on the local management frameworks and regulatory requirements. (iii) Market risk Market risk arises from changes in market prices and rates (including interest rates, credit spreads, equity prices, foreign exchange rates and commodity prices), the correlations among them, and their levels of volatility. Interest rate risk Interest rate risk is the risk of loss due to the following: changes in the level, slope and curvature of the yield curve; the volatility of interest rates and changes in customers’ preferences (e.g. mortgage prepayment rates). Non-trading Foreign currency risk is the risk of loss due to changes in spot and forward rates. As at January 31, 2025, a one per cent increase (decrease) in the Canadian dollar against all currencies in which the Bank operates decreases (increases) the Bank’s before-tax A similar change in the Canadian dollar as at January 31, 2025, would increase (decrease) the unrealized foreign currency translation losses in the accumulated other comprehensive income section of shareholders’ equity by approximately $363 million (October 31, 2024 – $324 million; January 31, 2024 – $345 million), net of hedging. Non-trading Equity risk is the risk of loss due to adverse movements in equity prices. The Bank is exposed to equity risk through its investment equity portfolios. The fair value of investment equity securities is shown in Note 6 Trading portfolio risk management Value at Risk (VaR) is a key measure of market risk in the Bank’s trading activities. The table below shows the Bank’s VaR by risk factor: For the three months ended As at January 31, 2025 January 31 October 31 January 31 ($ millions) Average High Low 2025 2024 2024 Credit spread plus interest rate $ 17.4 $ 22.2 $ 10.4 $ 14.3 $ 12.5 $ 19.3 Credit spread (1) 8.0 11.1 6.6 8.6 7.3 9.6 Interest rate 21.8 28.5 14.5 17.2 17.5 7.8 Equities 5.7 9.6 4.2 4.5 5.4 4.8 Foreign exchange 2.6 5.9 1.0 1.3 2.9 5.2 Commodities 2.8 3.5 2.3 3.1 2.8 3.4 Debt specific (1) n/a n/a n/a n/a 3.6 4.0 Diversification effect (11.4 ) n/a n/a (9.3 )  (15.0 )  (18.2 ) Total VaR $ 17.1 $ 21.6 $ 10.6 $ 13.9 $ 12.1 $ 18.5 (1) Effective November 1, 2024, credit spread VaR also captures issuer-specific credit spread volatility which was previously included in debt specific VaR. (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) As at For the three months ended As at ($ millions) January 31 October 31 January 31 January 31 October 31 January 31 January 31 October 31 January 31 Liabilities Senior note liabilities (3) $ 39,594 $ 36,341 $ 32,074 $ 486 $ 159 $ (4,254 ) $ 4,626 $ 4,140 $ 4,401 (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 instrument’s 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 non-interest The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. Senior note liabilities ($ millions) Contractual Carrying value Difference Changes in fair value Cumulative changes (1) As at January 31, 2025 $ 44,220 $ 39,594 $ 4,626 $ (264 ) $ (1,177 ) As at October 31, 2024 $ 40,481 $ 36,341 $ 4,140 $ (46 ) $    (913 ) As at January 31, 2024 $  36,475 $  32,074 $  4,401 $  (411 ) $ (520 ) (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 8 of the Bank’s audited consolidated financial statements in the 2024 Annual Report for the valuation techniques used to fair value its significant financial assets and liabilities. The following table sets out the fair values of financial instruments of the Bank and excludes non-financial As at   January 31, 2025 October 31, 2024 ($ millions) Total fair Total Total fair Total Assets: Cash and deposits with financial institutions $ 70,198 $ 70,198 $ 63,860 $ 63,860 Trading assets 136,708 136,708  129,727  129,727 Securities purchased under resale agreements and securities borrowed 195,258 195,258 200,543 200,543 Derivative financial instruments 48,035 48,035 44,379 44,379 Investment securities – FVOCI and FVTPL 124,525 124,525 123,420 123,420 Investment securities – amortized cost 27,653 28,494 28,422 29,412 Loans 764,977 766,305 757,825 760,829 Customers’ liability under acceptances 207 207 148 148 Other financial assets 27,460 27,460 22,467 22,467 Liabilities: Deposits 964,081 966,049 941,290 943,849 Financial instruments designated at fair value through profit or loss 39,594 39,594 36,341 36,341 Acceptances 210 210 149 149 Obligations related to securities sold short 34,855 34,855 35,042 35,042 Derivative financial instruments 59,847 59,847 51,260 51,260 Obligations related to securities sold under repurchase agreements and securities lent 182,259 182,259 190,449 190,449 Subordinated debentures 8,022 8,042 7,814 7,833 Other financial liabilities 52,102 52,537 53,342 53,387 (d) Fair value hierarchy The best evidence of fair value for a financial instrument is the quoted price in an active market. Unadjusted quoted market prices for identical instruments represent a Level 1 valuation. Where possible, valuations are based on quoted prices or observable inputs obtained from active markets. Quoted prices are not always available for over-the-counter Where financial instruments trade in inactive markets, 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 January 31, 2025 October 31, 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) $ – $ 3,687 $ – $ 3,687 $ – $ 2,540 $ – $ 2,540 Trading assets Loans – 8,048 – 8,048 – 7,649 – 7,649 Canadian federal government and government guaranteed debt 11,241 2,767 – 14,008 11,229 3,742 – 14,971 Canadian provincial and municipal debt 7,029 3,270 – 10,299 6,228 2,185 – 8,413 U.S. treasury and other U.S. agencies’ debt 10,826 – – 10,826 15,050 – – 15,050 Other foreign governments’ debt 131 10,496 – 10,627 422 9,932 – 10,354 Corporate and other debt 4,152 7,934 – 12,086 4,940 6,990 4 11,934 Equity securities 68,088 75 10 68,173 59,081 88 21 59,190 Other – 2,641 – 2,641 – 2,166 – 2,166 $ 101,467 $ 35,231 $ 10 $ 136,708 $ 96,950 $ 32,752 $ 25 $ 129,727 Investment securities (2) Canadian federal government and government guaranteed debt $ 13,774 $ 7,456 $ – $ 21,230 $ 12,739 $ 8,801 $ – $ 21,540 Canadian provincial and municipal debt 10,989 8,239 – 19,228 12,823 4,702 – 17,525 U.S. treasury and other U.S. agencies’ debt 41,079 7,222 – 48,301 39,999 6,377 – 46,376 Other foreign governments’ debt 1,310 28,408 – 29,718 3,940 25,346 – 29,286 Corporate and other debt 135 3,513 34 3,682 133 3,359 35 3,527 Equity securities 79 309 1,978 2,366 2,983 317 1,866 5,166 $ 67,366 $ 55,147 $ 2,012 $ 124,525 $  72,617 $  48,902 $  1,901 $  123,420 Derivative financial instruments Interest rate contracts $ – $ 12,212 $ – $ 12,212 $ – $ 11,584 $ – $ 11,584 Foreign exchange and gold contracts – 29,262 – 29,262 – 26,004 – 26,004 Equity contracts 118 4,101 58 4,277 150 4,313 44 4,507 Credit contracts – 174 1 175 – 180 2 182 Commodity contracts – 2,103 6 2,109 – 2,095 7 2,102 $ 118 $ 47,852 $ 65 $ 48,035 $ 150 $ 44,176 $ 53 $ 44,379 Liabilities: Deposits (3) $ – $ 178 $ – $ 178 $ – $ 193 $ – $ 193 Financial liabilities designated at fair value through profit or loss – 39,594 – 39,594 – 36,341 – 36,341 Obligations related to securities sold short 29,021 5,834 – 34,855 30,721 4,319 2 35,042 Derivative financial instruments Interest rate contracts – 18,887 23 18,910 – 17,895 13 17,908 Foreign exchange and gold contracts – 31,870 – 31,870 – 25,900 – 25,900 Equity contracts 230 5,400 12 5,642 139 4,687 19 4,845 Credit contracts – 28 1 29 – 46 1 47 Commodity contracts – 3,387 9 3,396 – 2,550 10 2,560 $ 230 $ 59,572 $ 45 $ 59,847 $ 139 $ 51,078 $ 43 $ 51,260 (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 $28,494 (October 31, 2024 – $29,412). (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost. Level 3 instrument fair value changes Financial instruments categorized as Level 3 as at January 31, 2025, in the fair value hierarchy comprised of corporate bonds, equity securities and derivatives. The following table summarizes the changes in Level 3 instruments carried at fair value for the three months ended January 31, 2025. All positive balances represent assets and negative balances represent liabilities. Consequently, positive amounts indicate purchases of assets or settlements of liabilities and negative amounts indicate sales of assets or issuances of liabilities. As at January 31, 2025 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Changes in (2) Trading assets Corporate and other debt $ 4 $ – $ – $ – $ – $ (4 ) $ – $ – Equity securities 21 1 – 1 (13 ) – 10 1 25 1 – 1 (13 ) (4 ) 10 1 Investment securities Corporate and other debt 35 (1 ) – – – – 34 (1 ) Equity securities 1,866 52 5 71 (8 ) (8 ) 1,978 51 1,901 51 5 71 (8 ) (8 ) 2,012 50 Derivative financial instruments – assets Equity contracts 44 11 – 4 – (1 ) 58 11 ( 3 Credit contracts 2 (1 ) – – – – 1 (1 ) Commodity contracts 7 (1 ) – – – – 6 (1 ) Derivative financial instruments – liabilities Interest rate contracts (13 ) (10 ) – – – – (23 ) (10 ) ( 4 Equity contracts (19 ) 3 – – – 4 (12 ) 3 ( 3 Credit contracts (1 ) – – – – – (1 ) – Commodity contracts (10 ) 1 – – – – (9 ) 1 10 3 – 4 – 3 20 3 Obligations related to securities sold short (2 ) – – – – 2 – – Total $  1,934 $  55 $ 5 $  76 $  (21 ) $  (7 ) $  2,042 $  54 (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. (2) 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 (3) Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market (4) Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. The following tables summarize the changes in Level 3 instruments carried at fair value for the three months ended October 31, 2024. As at October 31, 2024 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers out of Fair value, Trading assets $ 48 $ – $ – $ 3 $ (6 ) $  (20 ) $ 25 Investment securities  1,822     13  1  72  (40 ) 33  1,901 Derivative financial instruments 35 1 – (2 ) (8 ) (16 ) 10 Obligations related to securities sold short – – – – – (2 ) (2 ) (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 January 31, 2025: • Trading assets of $1,004 million, investment securities of $788 million and obligations related to securities sold short of $392 million were transferred out of Level 2 into Level 1. • Trading assets of $1,519 million, investment securities of $6,393 million and obligations related to securities sold short of $1,366 million were transferred out of Level 1 into Level 2. During the three months ended October 31, 2024: • Trading assets of $1,873 million, investment securities of $4,558 million and obligations related to securities sold short of $447 million were transferred out of Level 2 into Level 1. • Trading assets of $1,503 million, investment securities of $3,135 million and obligations related to securities sold short of $296 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 January 31, 2025 and October 31, 2024. Level 3 sensitivity The Bank applies judgement in determining unobservable inputs used to calculate the fair value of Level 3 instruments. Refer to Note 8 of the Bank’s audited consolidated financial statements for the year ended October 31, 2024 for a description of the significant unobservable inputs for Level 3 instruments and the potential effect that a change in each unobservable input may have on the fair value measurement. There have been no significant changes to the Level 3 sensitivities during the quarter.

Corporate Income Taxes

Corporate Income Taxes	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Corporate Income Taxes	19. Corporate income taxes Tax assessments The Bank received reassessments totaling $1,634 million (October 31, 2024 – $1,634 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. 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 2014-2019 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 August 12, 2024, the Department of Finance released draft legislation on the proposed increase to the capital gains inclusion rate from 50% to 66.7 % for gains or losses realized after June 24, 2024. On January 31, 2025, the federal government announced that it would defer the implementation date to January 1, 2026. Global Minimum Tax The Organisation for Economic Co-operation € % . These rules apply to the Bank effective November 1, 2024, and have been enacted or substantively enacted in certain jurisdictions in which the Bank operates, including Canada, whose Global Minimum Tax (GMT) Act was The IASB previously issued amendments to IAS 12 Income Taxes for a temporary mandatory exception from the recognition and disclosure of deferred taxes related to the implementation of Pillar Two GMT rules, which the Bank has applied. For the three months ended January 31, 2025, the impact of the GMT on the Bank’s effective tax rate was approximately 1%, and was primarily related to its operations in certain Caribbean jurisdictions and Ireland.

Acquisitions and Divestitures

Acquisitions and Divestitures	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Acquisitions and Divestitures	20. Acquisitions and divestitures Acquisitions Acquisition completed impacting the current period KeyCorp On August 12, 2024, the Bank announced an agreement to acquire an approximate 14.9% pro-forma all-cash The acquisition was completed in two stages – an initial investment of % (Initial Investment) on August 30, 2024, and an additional investment of approximately % (Additional Investment) this quarter. The Bank completed the Additional Investment of approximately 115 million shares in KeyCorp for cash consideration of approximately U.S. $ billion on December 27, 2024. This increased the Bank’s ownership interest from 4.9% to 14.92%, with total common share ownership of approximately 163 million shares. Following completion of the Additional Investment, the Bank designated two individuals to serve on KeyCorp’s Board of Directors. Effective December 27, 2024, the combined % investment is accounted for as an investment in associate as the Bank has significant influence over KeyCorp as defined under IFRS, given its board representation and ownership interest. The Initial Investment of previously accounted for at fair value through other comprehensive income was derecognized and included in the cost base of the investment in associate. The difference between the fixed transaction price and the quoted share price of KeyCorp on the date of Additional Investment (U.S.$17.20) was recognized as a gain in non-interest income – other this quarter, with a corresponding increase in the carrying value of the investment in associate. The carrying amount of the investment in associate upon closing was U.S. billion (CAD $4.1 billion). For the three months ended January 31, 2025, the contribution to the Bank’s profit and loss from KeyCorp, net of funding costs, was $28 million after-tax, and million million after-tax) was recorded in net income from investments in associated corporations representing the Bank’s approximate one-month share of KeyCorp’s financial results under IFRS. Upon completion of the Additional Investment, the total impact to the Bank’s CET1 ratio from both stages of the transaction was a decrease of approximately 51 basis points. Divestitures Divestitures announced that are expected to close in a future period Sale of banking operations in Colombia, Costa Rica and Panama On January 6, 2025, the Bank entered into an agreement with Davivienda to sell Scotiabank’s banking operations in Colombia, Costa Rica and Panama in exchange for an approximately 20% ownership stake in the newly combined entity of Davivienda. The Bank’s ownership will consist of 14.99% voting common shares and the remainder in non-voting preferred shares. At the closing date, the Bank will have the right to designate individuals to serve on the Board of Directors of Davivienda’s combined operations commensurate with its ownership stake. The transaction is expected to be completed in approximately 12 months from the signing date, subject to regulatory approvals in all jurisdictions and customary closing conditions. The Bank’s operations that are part of this transaction have met the criteria for classification as ) and ing million) and the remaining in other assets. The impairment loss was recorded in non-interest expenses – other in the consolidated statement of income and in the Other operating segment. The impact to the Bank’s CET1 capital ratio was a decrease of approximately 12 basis points this quarter. At each future reporting period, any changes in carrying value of the net assets being sold and the fair value of the shares to be received, will be recognized in profit and loss. In addition, upon closing, the net cumulative foreign currency translation reserve at that date, related to these operations will be recorded in the consolidated statement of income. As at January 31, 2025, the net cumulative foreign currency translation losses were Upon closing, the Bank’s investment in Davivienda will be accounted for as an investment in associate, as the Bank will have significant influence over Davivienda in accordance with IFRS, given its board representation and ownership interest. CrediScotia Financiera 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 expected to close in Q2 2025. In Q3 2024, the Bank recorded an impairment loss of million in non-interest income – other and a credit of million in non-interest expenses – salaries and employee benefits (collectively million after-tax), of which the majority related to goodwill. The loss was recorded in the Other operating segment.

Cash and deposits with financ_2

Cash and deposits with financial institutions (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Summary of Cash and Deposits with Financial Institutions	As at ($ millions) January 31 October 31 Cash and non-interest-bearing $ 9,897 $ 9,406 Interest-bearing deposits with financial institutions 60,301 54,454 Total $ 70,198 (1) $    63,860 (1) (1) Net of allowances of $3 (October 31, 2024 – $3).

Investment securities (Tables)

Investment securities (Tables)	3 Months Ended
	Jan. 31, 2025
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) January 31 October 31 Debt investment securities measured at FVOCI $ 122,132 $ 118,226 Debt investment securities measured at amortized cost 28,494 29,412 Equity investment securities designated at FVOCI 290 3,162 Equity investment securities measured at FVTPL 2,076 2,004 Debt investment securities measured at FVTPL 27 28 Total investment securities $ 153,019 $   152,832
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 January 31, 2025 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 21,039 $ 315 $ 124 $ 21,230 Canadian provincial and municipal debt 19,090 335 197 19,228 U.S. treasury and other U.S. agency debt 49,249 124 1,072 48,301 Other foreign government debt 29,882 218 382 29,718 Other debt 3,668 23 36 3,655 Total $  122,928 $ 1,015 $  1,811 $  122,132 As at October 31, 2024 ($ millions) Cost Gross Gross Fair value Canadian federal government issued or guaranteed debt $ 21,473 $ 219 $ 152 $ 21,540 Canadian provincial and municipal debt 17,500 234 209 17,525 U.S. treasury and other U.S. agency debt 47,156 214 994 46,376 Other foreign government debt 29,505 181 400 29,286 Other debt 3,514 22 37 3,499 Total $  119,148 $  870 $  1,792 $  118,226
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  January 31, 2025 October 31, 2024 ($ millions) Fair value Carrying (1) Fair value Carrying (1) Canadian federal and provincial government issued or guaranteed debt $ 7,886 $ 7,831 $ 8,722 $ 8,721 U.S. treasury and other U.S. agency debt 17,496 18,399 17,440 18,440 Other foreign government debt 2,056 2,055 2,044 2,041 Corporate debt 215 209 216 210 Total $  27,653 $  28,494 $  28,422 $  29,412 (1) Balances are net of allowances, which are $1 (October 31, 2024 – $1).
Summary of Equity Investment Securities Designated as at Fair Value Through Other Comprehensive Income	(c) Equity investment securities designated at fair value through other comprehensive income (FVOCI) As at January 31, 2025 ($ millions) Cost Gross Gross Fair value Common shares $ 183 $ 136 $ 29 $ 290 Total $ 183 $ 136 $ 29 $ 290 As at October 31, 2024 ($ millions) Cost Gross Gross Fair value Common shares $ 2,522 $ 713 $ 73 $ 3,162 Total $  2,522 $  713 $  73 $  3,162

Loans, Impaired Loans and All_2

Loans, Impaired Loans and Allowance for Credit Losses (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Disclosure of loans at amortized cost	(a) Loans at amortized cost  As at January 31, 2025 October 31, 2024 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 358,791 $ 1,280 $ 357,511 $ 350,941 $ 1,208 $ 349,733 Personal loans 106,635 2,426 104,209 106,379 2,319 104,060 Credit cards 17,548 1,185 16,363 17,374 1,160 16,214 Business and government 290,188 1,966 288,222 292,671 1,849 290,822 Total $  773,162 $  6,857 $  766,305 $  767,365 $  6,536 $  760,829
Schedule of Impaired Loans	(b) Impaired loans (1)  As at January 31, 2025 October 31, 2024 ($ millions) Gross Allowance Net Gross Allowance Net Residential mortgages $ 2,563 $ 711 $ 1,852 $ 2,372 $ 645 $ 1,727 Personal loans 1,169 647 522 1,117 621 496 Credit cards – – – – – – Business and government 3,332 832 2,500 3,250 788 2,462 Total $ 7,064 $ 2,190 $ 4,874 $ 6,739 $ 2,054 $ 4,685 By geography: Canada $ 2,299 $ 623 $ 1,676 $ 2,158 $ 569 $ 1,589 United States 110 20 90 109 22 87 Mexico 1,371 438 933 1,343 424 919 Peru 730 404 326 715 385 330 Chile 1,343 293 1,050 1,249 281 968 Colombia 364 128 236 322 109 213 Other international 847 284 563 843 264 579 Total $  7,064 $  2,190 $  4,874 $    6,739 $  2,054 $    4,685 (1) Interest income recognized on impaired loans during the three months ended January 31, 2025 was $26 (October 31, 2024 – $22).
Summary of Key Macroeconomic Variables Used for Allowance for Credit Losses Calculations	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 January 31, 2025 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 2.1 1.7 2.9 2.6 -1.4 2.5 -4.5 3.1 Consumer price index, y/y % 2.0 2.0 2.2 2.4 1.3 1.7 5.7 2.1 Unemployment rate, average % 6.6 6.1 6.2 5.2 8.2 6.9 11.1 7.5 Bank of Canada overnight rate target, average % 3.0 2.7 3.2 3.6 2.6 2.1 3.8 3.3 HPI - Housing Price Index, y/y % change 3.4 2.8 4.3 4.1 -2.0 3.5 -4.8 2.8 USD/CAD exchange rate, average 1.44 1.35 1.43 1.33 1.55 1.34 1.62 1.36 U.S. Real GDP growth, y/y % change 2.1 1.8 2.9 2.5 -1.4 2.7 -3.8 3.1 Consumer price index, y/y % 2.3 2.3 2.5 2.6 2.5 2.1 6.3 2.5 Target federal funds rate, upper limit, average % 4.1 3.0 4.2 3.5 4.0 2.5 5.0 3.6 Unemployment rate, average % 4.1 4.4 4.0 4.1 5.9 5.0 8.0 5.3 Mexico Real GDP growth, y/y % change 0.8 2.1 1.6 2.9 -2.4 2.8 -5.3 3.5 Unemployment rate, average % 3.4 3.9 3.2 3.3 4.3 4.1 6.6 5.0 Chile Real GDP growth, y/y % change 2.5 2.3 4.1 3.1 -0.5 3.0 -4.5 3.9 Unemployment rate, average % 8.0 7.0 7.7 6.4 9.6 7.3 11.9 7.7 Peru Real GDP growth, y/y % change 2.8 3.1 3.8 4.2 -0.7 3.9 -1.7 4.3 Unemployment rate, average % 5.9 5.9 5.3 4.8 7.4 6.5 11.6 7.6 Colombia Real GDP growth, y/y % change 2.9 2.7 4.3 3.7 -0.4 3.4 -1.5 3.9 Unemployment rate, average % 10.4 10.1 10.0 9.2 13.0 11.1 20.3 13.2 Caribbean Real GDP growth, y/y % change 3.8 3.9 4.5 4.7 0.5 4.6 -2.4 5.2 Global WTI oil price, average USD/bbl 66 67 70 81 54 60 47 56 Copper price, average USD/lb 4.50 5.17 4.66 5.71 4.04 5.04 3.78 4.91 Global GDP, y/y % change 3.0 2.6 3.9 3.4 0.2 3.3 -2.1 3.8 Base Case Scenario Alternative Scenario Alternative Scenario Alternative Scenario As at October 31, 2024 Next 12 Remaining Next 12 Remaining Next 12 Remaining Next 12 Remaining Canada Real GDP growth, y/y % change 1.8 2.2 2.8 3.1 -1.6 2.9 -4.4 3.4 Consumer price index, y/y % 2.2 2.0 2.4 2.5 1.6 1.7 5.8 2.2 Unemployment rate, average % 6.7 6.0 6.3 5.0 8.4 6.9 11.1 7.3 Bank of Canada overnight rate target, average % 3.3 2.6 3.5 3.6 2.9 2.0 4.0 3.2 HPI - Housing Price Index, y/y % change 1.6 4.2 2.4 5.5 -3.7 4.8 -5.8 4.1 USD/CAD exchange rate, average 1.34 1.30 1.33 1.28 1.43 1.28 1.49 1.30 U.S. Real GDP growth, y/y % change 1.6 2.2 2.3 3.1 -1.6 3.0 -4.0 3.4 Consumer price index, y/y % 2.4 2.3 2.6 2.7 1.3 2.0 6.2 2.5 Target federal funds rate, upper limit, average % 4.1 2.9 4.1 3.4 3.6 1.8 4.8 3.4 Unemployment rate, average % 4.3 4.3 4.2 3.9 6.0 4.9 8.1 5.2 Mexico Real GDP growth, y/y % change 1.3 2.1 2.6 2.9 -0.8 2.6 -2.9 3.2 Unemployment rate, average % 3.3 3.9 3.0 3.1 4.1 4.0 6.3 4.9 Chile Real GDP growth, y/y % change 3.0 2.2 4.6 3.2 0.1 3.0 -3.6 3.8 Unemployment rate, average % 7.9 6.7 7.6 6.0 9.5 7.0 11.5 7.4 Peru Real GDP growth, y/y % change 2.6 3.4 3.6 4.5 1.5 3.7 -0.5 4.3 Unemployment rate, average % 6.7 6.2 6.2 5.2 8.1 6.5 11.8 8.0 Colombia Real GDP growth, y/y % change 2.6 2.7 3.7 3.8 1.4 3.1 -0.5 3.6 Unemployment rate, average % 11.1 10.1 10.7 9.1 13.5 10.6 19.8 13.0 Caribbean Real GDP growth, y/y % change 3.6 3.8 4.2 4.5 2.5 4.2 0.6 4.7 Global WTI oil price, average USD/bbl 73 69 78 83 60 60 53 58 Copper price, average USD/lb 4.99 5.29 5.16 5.86 4.50 5.13 4.32 5.02 Global GDP, y/y % change 3.4 2.4 4.3 3.3 0.6 3.1 -1.5 3.5
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 $ 1,208 $ 64 $ (16 ) $ 24 $ 1,280 Personal loans 2,319 548 (485 ) 44 2,426 Credit cards 1,160 325 (331 ) 31 1,185 Business and government 2,036 243 (122 ) 17 2,174 $  6,723 $  1,180 $  (954 ) $  116 $  7,065 Presented as: Allowance for credit losses on loans $ 6,536 $ 6,857 Allowance for credit losses on acceptances (2) 1 1 Allowance for credit losses on off-balance (3) 186 207 (1) Excludes amounts associated with other assets and reversal of impairment losses of $ ) (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 $ 1,084 $ 63 $ (18 ) $ (14 ) $ 1,115 Personal loans 2,414 411 (427 ) (96 ) 2,302 Credit cards 1,237 290 (273 ) (22 ) 1,232 Business and government 1,876 199 (86 ) (58 ) 1,931 $  6,611 $  963 $  (804 ) $  (190 ) $  6,580 Presented as: Allowance for credit losses on loans $ 6,372 $ 6,328 Allowance for credit losses on acceptances (2) 90 96 Allowance for credit losses on off-balance (3) 149 156 (1) Excludes amounts associated with other assets and reversal of impairment losses of $ (1) 962 (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 January 31, 2025 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 160 $ 409 $ 711 $ 1,280 Personal loans 554 1,225 647 2,426 Credit cards 295 890 – 1,185 Business and government 614 520 832 1,966 Total (1) $  1,623 $  3,044 $  2,190 $  6,857 (1) Excludes allowance for credit losses of $223 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at October 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 165 $ 398 $ 645 $ 1,208 Personal loans 544 1,154 621 2,319 Credit cards 288 872 – 1,160 Business and government 586 475 788 1,849 Total (1) $  1,583 $  2,899 $  2,054 $  6,536 (1) Excludes allowance for credit losses of $200 for other financial assets including acceptances, investment securities, deposits with banks, off-balance As at January 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Residential mortgages $ 246 $ 336 $ 533 $ 1,115 Personal loans 629 1,050 623 2,302 Credit cards 381 851 – 1,232 Business and government 512 419 748 1,679 Total (1) $  1,768 $  2,656 $  1,904 $  6,328 (1) Excludes allowance for credit losses of $269 for other financial assets including acceptances, investment securities, deposits with banks, off-balance The following table presents the changes to the allowance for credit losses on loans. As at and for the three months ended January 31, 2025 January 31, 2024 ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Retail loans: Residential mortgages Balance at beginning of period $ 165 $ 398 $ 645 $ 1,208 $ 265 $ 321 $ 498 $ 1,084 Provision for credit losses Remeasurement (1) (58 ) 36 89 67 (65 ) 36 88 59 Newly originated or purchased financial assets 12 – – 12 11 – – 11 Derecognition of financial assets and maturities (2 ) (6 ) – (8 ) (2 ) (5 ) – (7 ) Changes in models and methodologies (2 ) (14 ) 9 (7 ) – – – – Transfer to (from): Stage 1 53 (43 ) (10 ) – 50 (37 ) (13 ) – Stage 2 (10 ) 55 (45 ) – (11 ) 49 (38 ) – Stage 3 – (25 ) 25 – – (21 ) 21 – Gross write-offs – – (24 ) (24 ) – – (23 ) (23 ) Recoveries – – 8 8 – – 5 5 Foreign exchange and other movements 2 8 14 24 (2 ) (7 ) (5 ) (14 ) Balance at end of period $ 160 $ 409 $ 711 $ 1,280 $ 246 $ 336 $ 533 $ 1,115 Personal loans Balance at beginning of period $ 544 $ 1,154 $ 621 $ 2,319 $ 647 $ 1,103 $ 664 $ 2,414 Provision for credit losses Remeasurement (1) (162 ) 279 390 507 (186 ) 221 352 387 Newly originated or purchased financial assets 101 – – 101 93 – – 93 Derecognition of financial assets and maturities (23 ) (41 ) – (64 ) (23 ) (46 ) – (69 ) Changes in models and methodologies (7 ) 3 8 4 – – – – Transfer to (from): Stage 1 150 (146 ) (4 ) – 172 (169 ) (3 ) – Stage 2 (58 ) 85 (27 ) – (58 ) 82 (24 ) – Stage 3 (2 ) (124 ) 126 – (3 ) (126 ) 129 – Gross write-offs – – (558 ) (558 ) – – (488 ) (488 ) Recoveries – – 73 73 – – 61 61 Foreign exchange and other movements 11 15 18 44 (13 ) (15 ) (68 ) (96 ) Balance at end of period $ 554 $ 1,225 $ 647 $ 2,426 $ 629 $ 1,050 $ 623 $ 2,302 Credit cards Balance at beginning of period $ 288 $ 872 $ – $ 1,160 $ 414 $ 823 $ – $ 1,237 Provision for credit losses Remeasurement (1) (81 ) 168 239 326 (99 ) 181 197 279 Newly originated or purchased financial assets 32 – – 32 40 – – 40 Derecognition of financial assets and maturities (13 ) (11 ) – (24 ) (13 ) (16 ) – (29 ) Changes in models and methodologies (2 ) (7 ) – (9 ) – – – – Transfer to (from): Stage 1 88 (88 ) – – 78 (78 ) – – Stage 2 (27 ) 27 – – (34 ) 34 – – Stage 3 – (88 ) 88 – – (70 ) 70 – Gross write-offs – – (373 ) (373 ) – – (316 ) (316 ) Recoveries – – 42 42 – – 43 43 Foreign exchange and other movements 10 17 4 31 (5 ) (23 ) 6 (22 ) Balance at end of period $ 295 $ 890 $ – $ 1,185 $ 381 $ 851 $ – $ 1,232 Total retail loans Balance at beginning of period $ 997 $ 2,424 $ 1,266 $ 4,687 $  1,326 $  2,247 $  1,162 $  4,735 Provision for credit losses Remeasurement (1) (301 ) 483 718 900 (350 ) 438 637 725 Newly originated or purchased financial assets 145 – – 145 144 – – 144 Derecognition of financial assets and maturities (38 ) (58 ) – (96 ) (38 ) (67 ) – (105 ) Changes in models and methodologies (11 ) (18 ) 17 (12 ) – – – – Transfer to (from): Stage 1 291 (277 ) (14 ) – 300 (284 ) (16 ) – Stage 2 (95 ) 167 (72 ) – (103 ) 165 (62 ) – Stage 3 (2 ) (237 ) 239 – (3 ) (217 ) 220 – Gross write-offs – – (955 ) (955 ) – – (827 ) (827 ) Recoveries – – 123 123 – – 109 109 Foreign exchange and other movements 23 40 36 99 (20 ) (45 ) (67 ) (132 ) Balance at end of period $ 1,009 $ 2,524 $ 1,358 $ 4,891 $ 1,256 $ 2,237 $ 1,156 $ 4,649 Non-retail Business and government Balance at beginning of period $ 739 $ 508 $ 788 $ 2,035 $ 635 $ 403 $ 748 $ 1,786 Provision for credit losses Remeasurement (1) (11 ) 67 179 235 (40 ) 92 162 214 Newly originated or purchased financial assets 358 – – 358 212 – – 212 Derecognition of financial assets and maturities (315 ) (27 ) (8 ) (350 ) (196 ) (34 ) (2 ) (232 ) Changes in models and methodologies – – – – – – – – Transfer to (from): Stage 1 25 (25 ) – – 44 (44 ) – – Stage 2 (22 ) 23 (1 ) – (31 ) 32 (1 ) – Stage 3 (1 ) (5 ) 6 – – (4 ) 4 – Gross write-offs – – (140 ) (140 ) – – (112 ) (112 ) Recoveries – – 18 18 – – 26 26 Foreign exchange and other movements 17 10 (10 ) 17 (10 ) (6 ) (43 ) (59 ) Balance at end of period including off-balance $ 790 $ 551 $ 832 $ 2,173 $ 614 $ 439 $ 782 $ 1,835 Less: Allowance for credit losses on off-balance (2) (176 ) (31 ) – (207 ) (102 ) (20 ) (34 ) (156 ) Balance at end of period (2) $ 614 $ 520 $ 832 $ 1,966 $ 512 $ 419 $ 748 $ 1,679 (1) Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments. (2) Allowance for credit losses on off-balance
Summary of Carrying Value of Exposures by Risk Rating	(d) Carrying value of exposures by risk rating Residential mortgages As at January 31, 2025 As at October 31, 2024 Category of PD grades Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 212,730 $ 2,590 $ – $ 215,320 $ 211,165 $ 3,262 $ – $ 214,427 Low 83,365 2,808 – 86,173 78,344 3,625 – 81,969 Medium 22,202 1,940 – 24,142 19,205 2,072 – 21,277 High 2,669 5,526 – 8,195 2,561 5,280 – 7,841 Very high 48 3,024 – 3,072 13 2,814 – 2,827 Loans not graded (2) 18,605 721 – 19,326 18,614 1,614 – 20,228 Default – – 2,563 2,563 – – 2,372 2,372 Total $ 339,619 $ 16,609 $ 2,563 $ 358,791 $  329,902 $  18,667 $ 2,372 $  350,941 Allowance for credit losses 160 409 711 1,280 165 398 645 1,208 Carrying value $ 339,459 $ 16,200 $ 1,852 $ 357,511 $ 329,737 $ 18,269 $ 1,727 $ 349,733 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Personal loans As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 31,216 $ – $ – $ 31,216 $ 30,865 $ – $ – $ 30,865 Low 21,210 17 – 21,227 20,686 12 – 20,698 Medium 13,149 42 – 13,191 13,053 38 – 13,091 High 10,534 4,885 – 15,419 10,535 4,843 – 15,378 Very high 73 2,878 – 2,951 76 2,743 – 2,819 Loans not graded (2) 19,623 1,839 – 21,462 20,482 1,929 – 22,411 Default – – 1,169 1,169 – – 1,117 1,117 Total $ 95,805 $ 9,661 $ 1,169 $ 106,635 $   95,697 $   9,565 $ 1,117 $  106,379 Allowance for credit losses 554 1,225 647 2,426 544 1,154 621 2,319 Carrying value $ 95,251 $ 8,436 $ 522 $ 104,209 $ 95,153 $ 8,411 $ 496 $ 104,060 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Credit cards As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 2,480 $ – $ – $ 2,480 $ 2,382 $ 3 $ – $ 2,385 Low 3,058 5 – 3,063 2,872 25 – 2,897 Medium 4,786 17 – 4,803 4,631 55 – 4,686 High 3,067 1,804 – 4,871 3,069 1,880 – 4,949 Very high 18 1,189 – 1,207 16 1,028 – 1,044 Loans not graded (1) 664 460 – 1,124 895 518 – 1,413 Default – – – – – – – – Total $ 14,073 $ 3,475 $ – $ 17,548 $ 13,865 $ 3,509 $ – $ 17,374 Allowance for credit losses 295 890 – 1,185 288 872 – 1,160 Carrying value $ 13,778 $ 2,585 $ – $ 16,363 $  13,577 $  2,637 $ – $  16,214 (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 Retail As at January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Very low $ 118,419 $ 1 $ – $ 118,420 $ 115,396 $ 2 $ – $ 115,398 Low 18,583 14 – 18,597 17,947 26 – 17,973 Medium 8,285 12 – 8,297 8,128 22 – 8,150 High 3,597 763 – 4,360 3,490 505 – 3,995 Very high 13 590 – 603 10 305 – 315 Loans not graded (1) 12,721 2,674 – 15,395 12,634 2,749 – 15,383 Default – – – – – – – – Carrying value $ 161,618 $ 4,054 $ – $ 165,672 $  157,605 $   3,609 $ – $  161,214 (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 January 31, 2025 As at October 31, 2024 Category of PD grades ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Very low $ 364,845 $ 2,591 $ – $ 367,436 $ 359,808 $ 3,267 $ – $ 363,075 Low 126,216 2,844 – 129,060 119,849 3,688 – 123,537 Medium 48,422 2,011 – 50,433 45,017 2,187 – 47,204 High 19,867 12,978 – 32,845 19,655 12,508 – 32,163 Very high 152 7,681 – 7,833 115 6,890 – 7,005 Loans not graded (2) 51,613 5,694 – 57,307 52,625 6,810 – 59,435 Default – – 3,732 3,732 – – 3,489 3,489 Total $ 611,115 $ 33,799 $ 3,732 $ 648,646 $ 597,069 $ 35,350 $ 3,489 $ 635,908 Allowance for credit losses 1,009 2,524 1,358 4,891 997 2,424 1,266 4,687 Carrying value $ 610,106 $ 31,275 $ 2,374 $ 643,755 $  596,072 $  32,926 $ 2,223 $  631,221 (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 January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 144,593 $ 2,180 $ – $ 146,773 $ 146,999 $ 1,829 $ – $ 148,828 Non-investment 123,310 9,527 – 132,837 124,749 8,800 – 133,549 Watch list 9 4,986 – 4,995 10 4,819 – 4,829 Loans not graded (2) 2,222 29 – 2,251 2,190 25 – 2,215 Default – – 3,332 3,332 – – 3,250 3,250 Total $ 270,134 $ 16,722 $ 3,332 $ 290,188 $ 273,948 $ 15,473 $ 3,250 $ 292,671 Allowance for credit losses 614 520 832 1,966 586 475 788 1,849 Carrying value $ 269,520 $ 16,202 $ 2,500 $ 288,222 $  273,362 $  14,998 $ 2,462 $  290,822 (1) Stage 3 includes purchased or originated credit-impaired loans. (2) Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category. Undrawn loan As at January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 248,127 $ 1,295 $ – $ 249,422 $ 243,635 $ 1,124 $ – $ 244,759 Non-investment 59,029 2,880 – 61,909 59,572 2,894 – 62,466 Watch list – 993 – 993 – 1,142 – 1,142 Loans not graded (2) 3,974 – – 3,974 3,921 – – 3,921 Default – – 34 34 – – 32 32 Total $ 311,130 $ 5,168 $ 34 $ 316,332 $ 307,128 $ 5,160 $ 32 $ 312,320 Allowance for credit losses 176 31 – 207 153 33 – 186 Carrying value $ 310,954 $ 5,137 $ 34 $ 316,125 $  306,975 $  5,127 $ 32 $  312,134 (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 January 31, 2025 As at October 31, 2024 Grade ($ millions) Stage 1 Stage 2 Stage 3 (1) Total Stage 1 Stage 2 Stage 3 (1) Total Investment grade $ 392,720 $ 3,475 $ – $ 396,195 $ 390,634 $ 2,953 $ – $ 393,587 Non-investment 182,339 12,407 – 194,746 184,321 11,694 – 196,015 Watch list 9 5,979 – 5,988 10 5,961 – 5,971 Loans not graded (2) 6,196 29 – 6,225 6,111 25 – 6,136 Default – – 3,366 3,366 – – 3,282 3,282 Total $ 581,264 $ 21,890 $ 3,366 $ 606,520 $ 581,076 $ 20,633 $ 3,282 $ 604,991 Allowance for credit losses 790 551 832 2,173 739 508 788 2,035 Carrying value $ 580,474 $ 21,339 $ 2,534 $ 604,347 $  580,337 $  20,125 $ 2,494 $  602,956 (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. In cases where borrowers have opted to participate in payment deferral programs, deferral of payments is not considered past due and such loans are not aged further during the deferral period. As at January 31, 2025 As at October 31, 2024 ($ millions) 31-60 61-90 91 days (2) Total 31-60 61-90 91 days (2) Total Residential mortgages $ 1,505 $ 715 $ – $ 2,220 $ 1,418 $ 718 $ – $ 2,136 Personal loans 661 360 – 1,021 647 343 – 990 Credit cards 256 187 416 859 242 172 398 812 Business and government 150 54 – 204 192 48 – 240 Total $ 2,572 $ 1,316 $ 416 $ 4,304 $  2,499 $  1,281 $  398 $  4,178 (1) Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due. (2) All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.
Summary of Purchased Credit Impaired Loans	(f) Purchased credit-impaired loans Certain financial assets including loans are credit-impaired on initial recognition. The following table provides details of such assets:  As at ($ millions) January 31 October 31 Unpaid principal balance (1) $ 248 $ 243 Credit related fair value adjustments (29 ) (29 ) Carrying value 219 214 Stage 3 allowance (1 ) (1 ) Carrying value net of related allowance $ 218 $     213 (1) Represents principal amount owed net of write-offs.

Derecognition of financial as_2

Derecognition of financial assets (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Summary of Carrying Amount of Transferred Assets Do Not Qualify for Derecognition and Associated Liabilities	The following table provides the carrying amount of transferred assets that do not qualify for derecognition and the associated liabilities:  As at ($ millions) January 31 (1) October 31 (1) Assets Carrying value of residential mortgage loans $ 10,202 $ 11,190 Other related assets (2) 6,747 7,202 Liabilities Carrying value of associated liabilities $ 16,807 $  17,923 (1) The fair value of the transferred assets is $16,772 (October 31, 2024 – $18,092) and the fair value of the associated liabilities is $16,769 (October 31, 2024 – $17,692) for a net position of $3 (October 31, 2024 – $400). (2) These include cash held in trust and trust permitted investment assets, including repurchase style transactions of mortgage-backed securities, acquired as part of the principal reinvestment account that the Bank is required to maintain in order to participate in the programs. The following table provides the carrying amount of the transferred assets and the associated liabilities:   As at ($ millions) January 31 (1) October 31 (1) Carrying value of securities associated with: Repurchase agreements (2) $ 163,805 $ 174,334 Securities lending agreements 71,189 58,477 Total 234,994 232,811 Carrying value of associated liabilities (3) $ 182,259 $  190,449 (1) The fair value of transferred assets is $234,994 (October 31, 2024 – $232,811) and the fair value of the associated liabilities is $182,259 (October 31, 2024 – $190,449) for a net position of $52,735 (October 31, 2024 – $42,362). (2) Does not include over-collateralization of assets pledged. (3) Liabilities for securities lending arrangements only include amounts related to cash collateral received. In most cases, securities are received as collateral.

Investments in Associates (Tabl

Investments in Associates (Tables)	3 Months Ended
	Jan. 31, 2025
Investments accounted for using equity method [abstract]
Significant Investments in Associates	The Bank had significant investments in the following associates: As at January 31 October 31 ($ millions) Country of Nature of Ownership Date of financial (1) Carrying Carrying KeyCorp (2) United States Banking 14.92 % December 31, 2024 $ 4,065 $ – Bank of Xi’an Co. Ltd. (3)(4) China Banking 18.11 % December 31, 2024 698 658 Maduro & Curiel’s Bank N.V. (5) Curacao Banking 48.10 % December 31, 2024 558  527 (1) Represents the date of the most recent financial statements. Where available, financial statements prepared by the associates’ management or other published information is used to estimate the change in the Bank’s interest since the most recent financial statements. (2) On December 27, 2024, the Bank completed the acquisition of an additional 10% ownership interest, bringing the total ownership interest in KeyCorp to 14.92% (refer to Note 20 for further details). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. Based on the quoted price on the New York Stock Exchange, the Bank’s Investment in KeyCorp was $4,257 as at January 31, 2025 . (3) Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $567 (October 31, 2024 – $570). The market value of the investment has remained below the carrying amount. The Bank performed an impairment test as at January 31, 2025 using a value in use (VIU) discounted cash flow model. The Bank concluded that there is no impairment as at January 31, 2025 (October 31, 2024 – $343). (4) The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation. ( 5 The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2025, these reserves amounted to $77

Deposits (Tables)

Deposits (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Summary of Deposits	As at January 31, 2025 October 31 Payable on demand (1) Payable after (2) ($ millions) Interest- Non-interest- Payable on a (3) Total Total Personal $ 5,950 $ 10,647 $ 149,312 $ 137,889 $ 303,798 $ 298,821 Business and government 186,964 32,692 61,448 336,770 617,874 600,114 Financial institutions 9,705 1,458 2,198 31,016 44,377 44,914 $ 202,619 $ 44,797 $ 212,958 (4) $ 505,675 $ 966,049 $ 943,849 Recorded in: Canada $  142,823 $  24,198 $  174,263 $  350,443 $  691,727 $  686,817 United States 48,204 53 2,231 48,608 99,096 90,442 United Kingdom – – 180 30,906 31,086 27,091 Mexico 154 6,936 12,588 17,875 37,553 36,751 Peru 6,167 51 5,823 6,950 18,991 17,710 Chile 1,418 5,254 146 17,058 23,876 23,232 Colombia 27 567 3,631 4,909 9,134 8,102 Other International 3,826 7,738 14,096 28,926 54,586 53,704 Total (5) $ 202,619 $ 44,797 $ 212,958 $ 505,675 $ 966,049 $ 943,849 (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 non-interest-bearing (5) Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).
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 January 31, 2025 $ 64,683 $ 39,867 $ 61,186 $ 107,596 $ 19,024 $ 292,356 As at October 31, 2024 $  64,521 $  37,062 $  59,273 $  115,757 $  18,820 $  295,433 (1) The majority of foreign term deposits are in excess of $100,000.

Capital and financing transac_2

Capital and financing transactions (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Schedule of Capital and Financing Transactions	For the three months ended January 31, 2025 January 31, 2024 ($ millions) Number of shares Amount Number of shares Amount Outstanding at beginning of period 1,244,435,686 $  22,054 1,214,044,420 $ 20,109 Issued in relation to share-based payments, net 1,092,275 82 58,042 4 Issued in relation to the Shareholder Dividend and Share Purchase Plan (1) – – 8,024,950 486 Outstanding at end of period 1,245,527,961 $ 22,136 1,222,127,412 $  20,599 (1) Effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank has suspended the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and has discontinued issuances of common shares from treasury under the Plan. Additionally, 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 Management (Tables)

Capital Management (Tables)	3 Months Ended
	Jan. 31, 2025
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) January 31 October 31 Capital (1) Common Equity Tier 1 capital $ 60,294 $ 60,631 Net Tier 1 capital 70,592 69,499 Total regulatory capital 78,622 77,708 Total loss absorbing capacity (TLAC) (2) 135,010 137,752 Risk-weighted assets/exposures used in calculation of capital ratios Risk-weighted assets (1)(3) $ 468,124 $ 463,992 Leverage exposures (4) 1,586,812  1,563,140 Regulatory ratios (1) Common Equity Tier 1 capital ratio 12.9 % 13.1 % Tier 1 capital ratio 15.1 % 15.0 % Total capital ratio 16.8 % 16.7 % Total loss absorbing capacity ratio (2) 28.8 % 29.7 % Leverage ratio (4) 4.4 % 4.4 % Total loss absorbing capacity leverage ratio (2) 8.5 % 8.8 % (1) The regulatory capital ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023). (2) This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018). (3) As at January 31, 2025, 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 October 31, 2024, the Bank did have a regulatory capital floor add-on to risk-weighted assets for CET1, Tier 1, Total Capital and TLAC RWA). (4) The leverage ratios are based on Basel III requirements as determined in accordance with OSFI Guideline – Leverage Requirements (February 2023).

Employee Benefits (Tables)

Employee Benefits (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Summary of Expenses for Bank's Principal Plans	Employee benefits include pensions, other post-retirement benefits, and post-employment benefits. The following table summarizes the expenses for the Bank’s principal plans (1) For the three months ended Pension plans Other benefit plans ($ millions) January 31 January 31 January 31 January 31 Defined benefit service cost $ 83 $ 52 $ 6 $ 5 Interest on net defined benefit (asset) liability (3 ) (8 ) 16 17 Other 3 3 – 3 Defined benefit expense $ 83 $ 47 $ 22 $ 25 Defined contribution expense $ 49 $ 46 $ – $ – Actuarial gains (losses) on employee benefit plans in other comprehensive income (2) $  273 $  (472 ) $  (13 ) $  (58 ) (1) Other plans operated by certain subsidiaries of the Bank are not considered material and are not included in this note. (2) Changes in discount rates and return on plan assets are reviewed and updated on a quarterly basis. In the absence of legislated changes, all other assumptions are updated annually.

Operating Segments (Tables)

Operating Segments (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Schedule of Operating Segments	For the three months ended January 31, 2025 ($ millions) Canadian (1) International (1) Global Wealth (1) Global (1) Other (2) Total Net interest income (3) $   2,647 $   2,169 $ 232 $ 319 $ (194 ) $ 5,173 Non-interest (4)(5) 765 861 1,347 1,275 (49 ) 4,199 Total revenues 3,412 3,030 1,579 1,594 (243 ) 9,372 Provision for credit losses 538 602 4 18 – 1,162 Depreciation and amortization 136 130 47 64 26 403 Other non-interest 1,475 1,423 975 827  1,388 ( 6 6,088 Provision for income taxes 350 189 144 168 (125 ) 726 Net income $ 913 $ 686 $ 409 $ 517 $ (1,532 ) $ 993 Net income attributable to non-controlling $ – $ 35 $ 2 $ – $ (191 ) $ (154 ) Net income attributable to equity holders of the Bank $ 913 $ 651 $ 407 $ 517 $ (1,341 ) $ 1,147 Average assets ($ billions) $ 460 $ 229 $ 37 $ 511 $ 224 $ 1,461 Average liabilities ($ billions) $ 386 $ 174 $ 43 $ 511 $ 262 $   1,376 (1) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (2) Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt gross-up non-interest (3) Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure. (4) Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets. (5) Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $24, 35 54 (6) Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama. For the three months ended October 31, 2024 (1) ($ millions) Canadian (2) International (2) Global Wealth (2) Global (2) Other (3) Total Net interest income (4) $ 2,635 $ 2,147 $ 207 $ 280 $ (346 ) $ 4,923 Non-interest (5)(6) 684 712   1,259 992 (44 ) 3,603 Total revenues 3,319 2,859 1,466   1,272 (390 ) 8,526 Provision for credit losses 450 556 5 19 – 1,030 Depreciation and amortization (7) 133 141 45 66 116 501 Other non-interest 1,445 1,350 904 741 355 4,795 Provision for income taxes 357 168 130 99 (243 ) 511 Net income $ 934 $ 644 $ 382 $ 347 $   (618 ) $   1,689 Net income attributable to non-controlling $ – $ 44 $ 2 $ – $ 1 $ 47 Net income attributable to equity holders of the Bank $ 934 $ 600 $ 380 $ 347 $ (619 ) $ 1,642 Average assets ($ billions) $ 457 $ 224 $ 36 $ 486 $ 216 $ 1,419 Average liabilities ($ billions) $ 385 $ 171 $ 41 $ 478 $ 260 $ 1,335 (1) Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology. (2) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (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 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 net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $(2); International Banking – $36 , (7) Includes impairment charge of software intangible assets of $97 in the Other segment. For the three months ended January 31, 2024 (1) ($ millions) Canadian (2) International (2) Global Wealth (2) Global (2) Other (3) Total Net interest income (4) $     2,491 $     2,240 $ 185 $ 270 $   (413 ) $ 4,773 Non-interest (5)(6) 734 834 1,139 1,023 (70 )     3,660 Total revenues 3,225 3,074     1,324     1,293 (483 ) 8,433 Provision for credit losses 378 574 5 5 – 962 Depreciation and amortization 147 143 47 62 22 421 Other non-interest 1,352 1,439 827 719 (19 ) 4,318 Provision for income taxes 375 183 112 119 (256 ) 533 Net income $ 973 $ 735 $ 333 $ 388 $ (230 ) $ 2,199 Net income attributable to non-controlling $ – $ 22 $ 3 $ – $ – $ 25 Net income attributable to equity holders of the Bank $ 973 $ 713 $ 330 $ 388 $ (230 ) $ 2,174 Average assets ($ billions) $ 445 $ 235 $ 35 $ 505 $ 203 $ 1,423 Average liabilities ($ billions) $ 393 $ 183 $ 41 $ 476 $ 251 $ 1,344 (1) Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology. (2) Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment. (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 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 – $34, and Other – $12.

Interest Income and Expense (Ta

Interest Income and Expense (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Details of Interest Income and Interest Expense from Financial Instruments	For the three months ended January 31, 2025 October 31, 2024 January 31, 2024 ($ millions) Interest Interest Interest Interest Interest Interest Measured at amortized cost (1) $ 13,135 $ 9,746 $ 13,449 $ 10,348 $ 13,539 $ 10,614 Measured at FVOCI (1) 1,442 – 1,518 – 1,359 – 14,577 9,746 14,967 10,348 14,898  10,614 Other 403 (2) 61 (3) 358 (2) 54 (3) 541 (2) 52 (3) Total $ 14,980 $ 9,807 $  15,325 $  10,402 $  15,439 $ 10,666 (1) The interest income/expense on financial assets/liabilities are calculated using the effective interest method. (2) Includes dividend income on equity securities. (3) Includes interest on lease liabilities for the three months ended January 31, 2025 – $32 (October 31, 2024 – $30; January 31, 2024 – $30) and insurance finance expense for the three months ended January 31, 2025 – $8 (October 31, 2024 – $8; January 31, 2024 – $7).

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Jan. 31, 2025
Text Block [Abstract]
Summary of Earnings Per Share	For the three months ended ($ millions) January 31 October 31 January 31 Basic earnings per common share Net income attributable to common shareholders $ 1,025 $  1,521 $  2,066 Weighted average number of common shares outstanding (millions) 1,245 1,238 1,214 Basic earnings per common share (1) (in dollars) $ 0.82 $ 1.23 $ 1.70 Diluted earnings per common share Net income attributable to common shareholders $ 1,025 $ 1,521 $ 2,066 Dilutive impact of share-based payment options and others (2) (196 ) (3 ) (15 ) Net income attributable to common shareholders (diluted) $ 829 $ 1,518 $ 2,051 Weighted average number of common shares outstanding (millions) 1,245 1,238 1,214 Dilutive impact of share-based payment options and others (2) (millions) 5 5 7 Weighted average number of diluted common shares outstanding (millions) 1,250 1,243 1,221 Diluted earnings per common share (1) (in dollars) $      0.66 $ 1.22 $ 1.68 (1) Earnings per share calculations are based on full dollar and share amounts. (2) Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial Instruments (Tables)

Financial Instruments (Tables)	3 Months Ended
	Jan. 31, 2025
Statement [Line Items]
Summary of Credit Risk Exposures	Under the standardized approach, credit risk is estimated using the risk weights as prescribed by the Basel framework, either based on credit assessments by external rating agencies or based on the counterparty type for non-retail Exposure at default (1) As at January 31, 2025 October 31 ($ millions) IRB Standardized Total Total By exposure sub-type Non-retail Drawn (2)(3) $ 465,056 $ 68,707 $ 533,763 $ 535,326 Undrawn commitments 89,009 5,479 94,488 99,011 Other exposures (4) 135,971 18,363 154,334 131,677 Total non-retail $ 690,036 $ 92,549 $ 782,585 $ 766,014 Retail (5) Drawn $ 302,945 $ 121,094 $ 424,039 $ 417,760 Undrawn commitments 111,833 9,808 121,641 121,609 Other exposures – 64 64 62 Total retail $ 414,778 $ 130,966 $ 545,744 $ 539,431 Total $  1,104,814 $  223,515 $  1,328,329 $  1,305,445 (1) After credit risk mitigation and excludes equity securities, centralized counterparties, and other assets. (2) Non-retail (3) Non-retail (4) Includes off-balance over-the-counter (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. The table below shows the Bank’s VaR by risk factor: For the three months ended As at January 31, 2025 January 31 October 31 January 31 ($ millions) Average High Low 2025 2024 2024 Credit spread plus interest rate $ 17.4 $ 22.2 $ 10.4 $ 14.3 $ 12.5 $ 19.3 Credit spread (1) 8.0 11.1 6.6 8.6 7.3 9.6 Interest rate 21.8 28.5 14.5 17.2 17.5 7.8 Equities 5.7 9.6 4.2 4.5 5.4 4.8 Foreign exchange 2.6 5.9 1.0 1.3 2.9 5.2 Commodities 2.8 3.5 2.3 3.1 2.8 3.4 Debt specific (1) n/a n/a n/a n/a 3.6 4.0 Diversification effect (11.4 ) n/a n/a (9.3 )  (15.0 )  (18.2 ) Total VaR $ 17.1 $ 21.6 $ 10.6 $ 13.9 $ 12.1 $ 18.5 (1) Effective November 1, 2024, credit spread VaR also captures issuer-specific credit spread volatility which was previously included in debt specific VaR.
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) As at For the three months ended As at ($ millions) January 31 October 31 January 31 January 31 October 31 January 31 January 31 October 31 January 31 Liabilities Senior note liabilities (3) $ 39,594 $ 36,341 $ 32,074 $ 486 $ 159 $ (4,254 ) $ 4,626 $ 4,140 $ 4,401 (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 instrument’s 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 non-interest
Changes in Fair Value Attributable to Changes in Bank'S Own Credit Risk for Financial Liabilities Designated at Fair Value	The following table presents the changes in fair value attributable to changes in the Bank’s own credit risk for financial liabilities designated at fair value through profit or loss as well as their contractual maturity and carrying amounts. Senior note liabilities ($ millions) Contractual Carrying value Difference Changes in fair value Cumulative changes (1) As at January 31, 2025 $ 44,220 $ 39,594 $ 4,626 $ (264 ) $ (1,177 ) As at October 31, 2024 $ 40,481 $ 36,341 $ 4,140 $ (46 ) $    (913 ) As at January 31, 2024 $  36,475 $  32,074 $  4,401 $  (411 ) $ (520 ) (1) The cumulative change in fair value is measured from the instruments’ date of initial recognition.
Summary of Fair Values of Financial Instruments of Bank Using Valuation Methods and Assumption	The following table sets out the fair values of financial instruments of the Bank and excludes non-financial As at   January 31, 2025 October 31, 2024 ($ millions) Total fair Total Total fair Total Assets: Cash and deposits with financial institutions $ 70,198 $ 70,198 $ 63,860 $ 63,860 Trading assets 136,708 136,708  129,727  129,727 Securities purchased under resale agreements and securities borrowed 195,258 195,258 200,543 200,543 Derivative financial instruments 48,035 48,035 44,379 44,379 Investment securities – FVOCI and FVTPL 124,525 124,525 123,420 123,420 Investment securities – amortized cost 27,653 28,494 28,422 29,412 Loans 764,977 766,305 757,825 760,829 Customers’ liability under acceptances 207 207 148 148 Other financial assets 27,460 27,460 22,467 22,467 Liabilities: Deposits 964,081 966,049 941,290 943,849 Financial instruments designated at fair value through profit or loss 39,594 39,594 36,341 36,341 Acceptances 210 210 149 149 Obligations related to securities sold short 34,855 34,855 35,042 35,042 Derivative financial instruments 59,847 59,847 51,260 51,260 Obligations related to securities sold under repurchase agreements and securities lent 182,259 182,259 190,449 190,449 Subordinated debentures 8,022 8,042 7,814 7,833 Other financial liabilities 52,102 52,537 53,342 53,387
Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis	The following table outlines the fair value hierarchy and instruments carried at fair value on a recurring basis.  As at January 31, 2025 October 31, 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) $ – $ 3,687 $ – $ 3,687 $ – $ 2,540 $ – $ 2,540 Trading assets Loans – 8,048 – 8,048 – 7,649 – 7,649 Canadian federal government and government guaranteed debt 11,241 2,767 – 14,008 11,229 3,742 – 14,971 Canadian provincial and municipal debt 7,029 3,270 – 10,299 6,228 2,185 – 8,413 U.S. treasury and other U.S. agencies’ debt 10,826 – – 10,826 15,050 – – 15,050 Other foreign governments’ debt 131 10,496 – 10,627 422 9,932 – 10,354 Corporate and other debt 4,152 7,934 – 12,086 4,940 6,990 4 11,934 Equity securities 68,088 75 10 68,173 59,081 88 21 59,190 Other – 2,641 – 2,641 – 2,166 – 2,166 $ 101,467 $ 35,231 $ 10 $ 136,708 $ 96,950 $ 32,752 $ 25 $ 129,727 Investment securities (2) Canadian federal government and government guaranteed debt $ 13,774 $ 7,456 $ – $ 21,230 $ 12,739 $ 8,801 $ – $ 21,540 Canadian provincial and municipal debt 10,989 8,239 – 19,228 12,823 4,702 – 17,525 U.S. treasury and other U.S. agencies’ debt 41,079 7,222 – 48,301 39,999 6,377 – 46,376 Other foreign governments’ debt 1,310 28,408 – 29,718 3,940 25,346 – 29,286 Corporate and other debt 135 3,513 34 3,682 133 3,359 35 3,527 Equity securities 79 309 1,978 2,366 2,983 317 1,866 5,166 $ 67,366 $ 55,147 $ 2,012 $ 124,525 $  72,617 $  48,902 $  1,901 $  123,420 Derivative financial instruments Interest rate contracts $ – $ 12,212 $ – $ 12,212 $ – $ 11,584 $ – $ 11,584 Foreign exchange and gold contracts – 29,262 – 29,262 – 26,004 – 26,004 Equity contracts 118 4,101 58 4,277 150 4,313 44 4,507 Credit contracts – 174 1 175 – 180 2 182 Commodity contracts – 2,103 6 2,109 – 2,095 7 2,102 $ 118 $ 47,852 $ 65 $ 48,035 $ 150 $ 44,176 $ 53 $ 44,379 Liabilities: Deposits (3) $ – $ 178 $ – $ 178 $ – $ 193 $ – $ 193 Financial liabilities designated at fair value through profit or loss – 39,594 – 39,594 – 36,341 – 36,341 Obligations related to securities sold short 29,021 5,834 – 34,855 30,721 4,319 2 35,042 Derivative financial instruments Interest rate contracts – 18,887 23 18,910 – 17,895 13 17,908 Foreign exchange and gold contracts – 31,870 – 31,870 – 25,900 – 25,900 Equity contracts 230 5,400 12 5,642 139 4,687 19 4,845 Credit contracts – 28 1 29 – 46 1 47 Commodity contracts – 3,387 9 3,396 – 2,550 10 2,560 $ 230 $ 59,572 $ 45 $ 59,847 $ 139 $ 51,078 $ 43 $ 51,260 (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 $28,494 (October 31, 2024 – $29,412). (3) These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized cost.
Summary of Changes in Level 3 Instruments Carried at Fair Value	As at January 31, 2025 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers Fair value, Changes in (2) Trading assets Corporate and other debt $ 4 $ – $ – $ – $ – $ (4 ) $ – $ – Equity securities 21 1 – 1 (13 ) – 10 1 25 1 – 1 (13 ) (4 ) 10 1 Investment securities Corporate and other debt 35 (1 ) – – – – 34 (1 ) Equity securities 1,866 52 5 71 (8 ) (8 ) 1,978 51 1,901 51 5 71 (8 ) (8 ) 2,012 50 Derivative financial instruments – assets Equity contracts 44 11 – 4 – (1 ) 58 11 ( 3 Credit contracts 2 (1 ) – – – – 1 (1 ) Commodity contracts 7 (1 ) – – – – 6 (1 ) Derivative financial instruments – liabilities Interest rate contracts (13 ) (10 ) – – – – (23 ) (10 ) ( 4 Equity contracts (19 ) 3 – – – 4 (12 ) 3 ( 3 Credit contracts (1 ) – – – – – (1 ) – Commodity contracts (10 ) 1 – – – – (9 ) 1 10 3 – 4 – 3 20 3 Obligations related to securities sold short (2 ) – – – – 2 – – Total $  1,934 $  55 $ 5 $  76 $  (21 ) $  (7 ) $  2,042 $  54 (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. (2) 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 (3) Certain unrealized gains and losses on derivative assets and liabilities are largely offset by mark-to-market (4) Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income. The following tables summarize the changes in Level 3 instruments carried at fair value for the three months ended October 31, 2024. As at October 31, 2024 ($ millions) Fair value, Gains/ (1) Gains/ Purchases/ Sales/ Transfers out of Fair value, Trading assets $ 48 $ – $ – $ 3 $ (6 ) $  (20 ) $ 25 Investment securities  1,822     13  1  72  (40 ) 33  1,901 Derivative financial instruments 35 1 – (2 ) (8 ) (16 ) 10 Obligations related to securities sold short – – – – – (2 ) (2 ) (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		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024	Oct. 31, 2023
Disclosure Of Cash And Cash Equivalents [abstract]
Cash and non-interest-bearing deposits with financial institutions	[1]	$ 9,897	$ 9,406	$ 9,211	$ 10,173
Interest-bearing deposits with financial institutions		60,301	54,454
Total	[2]	$ 70,198	$ 63,860
[1]Represents cash and non-interest-bearing deposits with financial institutions (refer to Note 5).[2]Net of allowances of $3 (October 31, 2024 – $3).

Cash and Deposits with Financ_4

Cash and Deposits with Financial Institutions - Summary of Cash and Deposits with Financial Institutions (Parenthetical) (Detail) - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Cash and Deposits with Financial Institutions [member]
Cash And Cash Equivalents And Short-term Deposits [line items]
Net of allowances	$ 3	$ 3

Cash and Deposits with Financ_5

Cash and Deposits with Financial Institutions - Additional Information (Detail) - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Mandatory Reserve Deposits At Central Banks [abstract]
Cash balances required to maintain with central banks, other regulatory authorities and certain counterparties	$ 5,793	$ 5,322

Investment Securities - Disclos

Investment Securities - Disclosure of Carrying Value of Banks Investment Securities Per Measurement Category (Detail) - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Disclosure of financial assets [line items]
Investment securities	$ 153,019	$ 152,832
Debt Investments [member] | Financial assets measured at fair value through other comprehensive income, category [member]
Disclosure of financial assets [line items]
Investment securities	122,132	118,226
Debt Investments [member] | Financial assets at amortised cost, category [member]
Disclosure of financial assets [line items]
Investment securities	28,494	29,412
Debt Investments [member] | Financial assets at fair value through profit or loss, category [member]
Disclosure of financial assets [line items]
Investment securities	27	28
Equity securities [member] | Investments in equity instruments designated at fair value through other comprehensive income [member]
Disclosure of financial assets [line items]
Investment securities	290	3,162
Equity securities [member] | Financial assets at fair value through profit or loss, category [member]
Disclosure of financial assets [line items]
Investment securities	$ 2,076	$ 2,004

Investment Securities - Discl_2

Investment Securities - Disclosure of Unrealized Gains and Losses on Fair Value Through Other Comprehensive Income Securities (Detail) - Financial assets measured at fair value through other comprehensive income, category [member] - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Disclosure of financial assets [line items]
Cost	$ 122,928	$ 119,148
Gross unrealized gains	1,015	870
Gross unrealized losses	1,811	1,792
Fair value	122,132	118,226
Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	21,039	21,473
Gross unrealized gains	315	219
Gross unrealized losses	124	152
Fair value	21,230	21,540
Canadian provincial and municipal debt [member]
Disclosure of financial assets [line items]
Cost	19,090	17,500
Gross unrealized gains	335	234
Gross unrealized losses	197	209
Fair value	19,228	17,525
U.S. treasury and other U.S. agency debt [member]
Disclosure of financial assets [line items]
Cost	49,249	47,156
Gross unrealized gains	124	214
Gross unrealized losses	1,072	994
Fair value	48,301	46,376
Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	29,882	29,505
Gross unrealized gains	218	181
Gross unrealized losses	382	400
Fair value	29,718	29,286
Other debt [member]
Disclosure of financial assets [line items]
Cost	3,668	3,514
Gross unrealized gains	23	22
Gross unrealized losses	36	37
Fair value	$ 3,655	$ 3,499

Investment Securities - Summary

Investment Securities - Summary of Analysis of Fair Value and Carrying Value of Investment Securities Measured at Amortized Cost (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Financial assets at fair value, investment securities [member]
Disclosure of financial assets [line items]
Cost		$ 27,653	$ 28,422
Financial assets at fair value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost		7,886	8,722
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		17,496	17,440
Financial assets at fair value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost		2,056	2,044
Financial assets at fair value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost		215	216
Financial assets at carrying value, investment securities [member]
Disclosure of financial assets [line items]
Cost	[1]	28,494	29,412
Financial assets at carrying value, investment securities [member] | Canadian federal government issued or guaranteed debt [member]
Disclosure of financial assets [line items]
Cost	[1]	7,831	8,721
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]	18,399	18,440
Financial assets at carrying value, investment securities [member] | Other foreign government debt [member]
Disclosure of financial assets [line items]
Cost	[1]	2,055	2,041
Financial assets at carrying value, investment securities [member] | Corporate debt [member]
Disclosure of financial assets [line items]
Cost	[1]	$ 209	$ 210
[1]Balances are net of allowances, which are $1 (October 31, 2024 – $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	Jan. 31, 2025	Oct. 31, 2024
Debt securities [member]
Disclosure of financial assets [line items]
Allowance account for credit losses of financial assets	$ 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	Jan. 31, 2025	Oct. 31, 2024
Disclosure of financial assets [line items]
Cost	$ 183	$ 2,522
Gross unrealized gains	136	713
Gross unrealized losses	29	73
Fair value	290	3,162
Common shares [member]
Disclosure of financial assets [line items]
Cost	183	2,522
Gross unrealized gains	136	713
Gross unrealized losses	29	73
Fair value	$ 290	$ 3,162

Investment Securities - Additio

Investment Securities - Additional Information (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Fair value of disposed equity securities	$ 1,812		$ 485
Cumulative after-tax gain/(loss) on equity securities designated at FVOCI	539		(18)
Dividend income	$ 36	$ 21	$ 47

Loans, Impaired Loans and All_3

Loans, Impaired Loans and Allowance for Credit Losses - Schedule of Loans at Amortized Cost (Detail) - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Gross carrying amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 773,162	$ 767,365
Gross carrying amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	358,791	350,941
Gross carrying amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	106,635	106,379
Gross carrying amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	17,548	17,374
Gross carrying amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	290,188	292,671
Net Carrying Amount [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	766,305	760,829
Net Carrying Amount [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	357,511	349,733
Net Carrying Amount [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	104,209	104,060
Net Carrying Amount [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	16,363	16,214
Net Carrying Amount [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	288,222	290,822
Financial assets individually assessed for credit losses [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	6,857	6,536
Financial assets individually assessed for credit losses [member] | Residential mortgages [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	1,280	1,208
Financial assets individually assessed for credit losses [member] | Loans to consumers [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	2,426	2,319
Financial assets individually assessed for credit losses [member] | Credit Card [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	1,185	1,160
Financial assets individually assessed for credit losses [member] | Business and government [member]
Disclosure of fair value financial assets amortised cost [line Items]
Financial assets	$ 1,966	$ 1,849

Loans, Impaired Loans and All_4

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		$ 773,162	$ 767,365
Allowance for credit losses		6,857	6,536
Net		766,305	760,829
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		358,791	350,941
Allowance for credit losses		1,280	1,208
Net		357,511	349,733
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		106,635	106,379
Allowance for credit losses		2,426	2,319
Net		104,209	104,060
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans		290,188	292,671
Allowance for credit losses		1,966	1,849
Net		288,222	290,822
Financial instruments credit-impaired [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	7,064	6,739
Allowance for credit losses	[1]	2,190	2,054
Net	[1]	4,874	4,685
Financial instruments credit-impaired [member] | Canada [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	2,299	2,158
Allowance for credit losses	[1]	623	569
Net	[1]	1,676	1,589
Financial instruments credit-impaired [member] | United States [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	110	109
Allowance for credit losses	[1]	20	22
Net	[1]	90	87
Financial instruments credit-impaired [member] | Mexico [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	1,371	1,343
Allowance for credit losses	[1]	438	424
Net	[1]	933	919
Financial instruments credit-impaired [member] | Peru [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	730	715
Allowance for credit losses	[1]	404	385
Net	[1]	326	330
Financial instruments credit-impaired [member] | Chile [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	1,343	1,249
Allowance for credit losses	[1]	293	281
Net	[1]	1,050	968
Financial instruments credit-impaired [member] | Colombia [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	364	322
Allowance for credit losses	[1]	128	109
Net	[1]	236	213
Financial instruments credit-impaired [member] | Other International [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	847	843
Allowance for credit losses	[1]	284	264
Net	[1]	563	579
Financial instruments credit-impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	2,563	2,372
Allowance for credit losses	[1]	711	645
Net	[1]	1,852	1,727
Financial instruments credit-impaired [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	1,169	1,117
Allowance for credit losses	[1]	647	621
Net	[1]	522	496
Financial instruments credit-impaired [member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Gross impaired loans	[1]	3,332	3,250
Allowance for credit losses	[1]	832	788
Net	[1]	$ 2,500	$ 2,462
[1]Interest income recognized on impaired loans during the three months ended January 31, 2025 was $26 (October 31, 2024 – $22).

Loans, Impaired Loans and All_5

Loans, Impaired Loans and Allowance for Credit Losses - Impaired Loans (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2025	Oct. 31, 2024
Impaired loans [abstract]
Interest income recognized on impaired loans	$ 26	$ 22

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	12 Months Ended
	Jan. 31, 2025 $ / lb $ / bbl	Oct. 31, 2024 $ / lb $ / bbl
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	2.10%	1.80%
Unemployment rate, average %	6.60%	6.70%
Bank of Canada overnight rate target, average %	3%	3.30%
HPI – Housing Price Index, y/y % change	3.40%	1.60%
Consumer price index, y/y %	2%	2.20%
USD/CAD exchange rate, average	1.44	1.34
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	1.70%	2.20%
Unemployment rate, average %	6.10%	6%
Bank of Canada overnight rate target, average %	2.70%	2.60%
HPI – Housing Price Index, y/y % change	2.80%	4.20%
Consumer price index, y/y %	2%	2%
USD/CAD exchange rate, average	1.35	1.3
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	2.10%	1.60%
Unemployment rate, average %	4.10%	4.30%
Consumer price index, y/y %	2.30%	2.40%
Target federal funds rate, upper limit, average %	4.10%	4.10%
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	1.80%	2.20%
Unemployment rate, average %	4.40%	4.30%
Consumer price index, y/y %	2.30%	2.30%
Target federal funds rate, upper limit, average %	3%	2.90%
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	0.80%	1.30%
Unemployment rate, average %	3.40%	3.30%
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	2.10%	2.10%
Unemployment rate, average %	3.90%	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	2.50%	3%
Unemployment rate, average %	8%	7.90%
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	2.30%	2.20%
Unemployment rate, average %	7%	6.70%
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	2.80%	2.60%
Unemployment rate, average %	5.90%	6.70%
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	3.10%	3.40%
Unemployment rate, average %	5.90%	6.20%
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	2.90%	2.60%
Unemployment rate, average %	10.40%	11.10%
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	2.70%	2.70%
Unemployment rate, average %	10.10%	10.10%
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	3.80%	3.60%
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	3.90%	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	66	73
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	67	69
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	4.5	4.99
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	5.17	5.29
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%	3.40%
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	2.60%	2.40%
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	2.90%	2.80%
Unemployment rate, average %	6.20%	6.30%
Bank of Canada overnight rate target, average %	3.20%	3.50%
HPI – Housing Price Index, y/y % change	4.30%	2.40%
Consumer price index, y/y %	2.20%	2.40%
USD/CAD exchange rate, average	1.43	1.33
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	2.60%	3.10%
Unemployment rate, average %	5.20%	5%
Bank of Canada overnight rate target, average %	3.60%	3.60%
HPI – Housing Price Index, y/y % change	4.10%	5.50%
Consumer price index, y/y %	2.40%	2.50%
USD/CAD exchange rate, average	1.33	1.28
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	2.90%	2.30%
Unemployment rate, average %	4%	4.20%
Consumer price index, y/y %	2.50%	2.60%
Target federal funds rate, upper limit, average %	4.20%	4.10%
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	2.50%	3.10%
Unemployment rate, average %	4.10%	3.90%
Consumer price index, y/y %	2.60%	2.70%
Target federal funds rate, upper limit, average %	3.50%	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	1.60%	2.60%
Unemployment rate, average %	3.20%	3%
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	2.90%	2.90%
Unemployment rate, average %	3.30%	3.10%
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	4.10%	4.60%
Unemployment rate, average %	7.70%	7.60%
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	3.10%	3.20%
Unemployment rate, average %	6.40%	6%
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	3.80%	3.60%
Unemployment rate, average %	5.30%	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	4.20%	4.50%
Unemployment rate, average %	4.80%	5.20%
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	4.30%	3.70%
Unemployment rate, average %	10%	10.70%
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	3.70%	3.80%
Unemployment rate, average %	9.20%	9.10%
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	4.50%	4.20%
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	4.70%	4.50%
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	70	78
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	81	83
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	4.66	5.16
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	5.71	5.86
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	3.90%	4.30%
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%	3.30%
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	(1.40%)	(1.60%)
Unemployment rate, average %	8.20%	8.40%
Bank of Canada overnight rate target, average %	2.60%	2.90%
HPI – Housing Price Index, y/y % change	(2.00%)	(3.70%)
Consumer price index, y/y %	1.30%	1.60%
USD/CAD exchange rate, average	1.55	1.43
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	2.50%	2.90%
Unemployment rate, average %	6.90%	6.90%
Bank of Canada overnight rate target, average %	2.10%	2%
HPI – Housing Price Index, y/y % change	3.50%	4.80%
Consumer price index, y/y %	1.70%	1.70%
USD/CAD exchange rate, average	1.34	1.28
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	(1.40%)	(1.60%)
Unemployment rate, average %	5.90%	6%
Consumer price index, y/y %	2.50%	1.30%
Target federal funds rate, upper limit, average %	4%	3.60%
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	2.70%	3%
Unemployment rate, average %	5%	4.90%
Consumer price index, y/y %	2.10%	2%
Target federal funds rate, upper limit, average %	2.50%	1.80%
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	(2.40%)	(0.80%)
Unemployment rate, average %	4.30%	4.10%
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	2.80%	2.60%
Unemployment rate, average %	4.10%	4%
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	(0.50%)	0.10%
Unemployment rate, average %	9.60%	9.50%
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	3%	3%
Unemployment rate, average %	7.30%	7%
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	(0.70%)	1.50%
Unemployment rate, average %	7.40%	8.10%
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	3.90%	3.70%
Unemployment rate, average %	6.50%	6.50%
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	(0.40%)	1.40%
Unemployment rate, average %	13%	13.50%
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	3.40%	3.10%
Unemployment rate, average %	11.10%	10.60%
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	0.50%	2.50%
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	4.60%	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	54	60
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	60
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	4.04	4.5
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	5.04	5.13
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	0.20%	0.60%
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	3.30%	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	(4.50%)	(4.40%)
Unemployment rate, average %	11.10%	11.10%
Bank of Canada overnight rate target, average %	3.80%	4%
HPI – Housing Price Index, y/y % change	(4.80%)	(5.80%)
Consumer price index, y/y %	5.70%	5.80%
USD/CAD exchange rate, average	1.62	1.49
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	3.10%	3.40%
Unemployment rate, average %	7.50%	7.30%
Bank of Canada overnight rate target, average %	3.30%	3.20%
HPI – Housing Price Index, y/y % change	2.80%	4.10%
Consumer price index, y/y %	2.10%	2.20%
USD/CAD exchange rate, average	1.36	1.3
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	(3.80%)	(4.00%)
Unemployment rate, average %	8%	8.10%
Consumer price index, y/y %	6.30%	6.20%
Target federal funds rate, upper limit, average %	5%	4.80%
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	3.10%	3.40%
Unemployment rate, average %	5.30%	5.20%
Consumer price index, y/y %	2.50%	2.50%
Target federal funds rate, upper limit, average %	3.60%	3.40%
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	(5.30%)	(2.90%)
Unemployment rate, average %	6.60%	6.30%
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	3.50%	3.20%
Unemployment rate, average %	5%	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	(4.50%)	(3.60%)
Unemployment rate, average %	11.90%	11.50%
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	3.90%	3.80%
Unemployment rate, average %	7.70%	7.40%
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	(1.70%)	(0.50%)
Unemployment rate, average %	11.60%	11.80%
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	4.30%	4.30%
Unemployment rate, average %	7.60%	8%
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	(1.50%)	(0.50%)
Unemployment rate, average %	20.30%	19.80%
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	3.90%	3.60%
Unemployment rate, average %	13.20%	13%
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	(2.40%)	0.60%
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	5.20%	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	47	53
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	56	58
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	3.78	4.32
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	4.91	5.02
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	(2.10%)	(1.50%)
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	3.80%	3.50%

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
		Jan. 31, 2025		Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		$ 6,723		$ 6,611
Provision for credit losses		1,180	[1]	963	[2]
Net write-offs		(954)		(804)
Other, including foreign currency adjustment		116		(190)
Provision for credit losses
Balance at end of year		7,065		6,580
Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		6,536	[3]	6,372
Provision for credit losses
Balance at end of year		6,857	[4]	6,328	[5]
Allowance for credit losses on acceptances [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year	[6]	1		90
Provision for credit losses
Balance at end of year	[6]	1		96
Allowance for credit losses on off balance sheet exposures [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year	[7]	186		149
Provision for credit losses
Balance at end of year	[7]	207		156
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,208		1,084
Provision for credit losses		64	[1]	63	[2]
Net write-offs		(16)		(18)
Other, including foreign currency adjustment		24		(14)
Provision for credit losses
Remeasurement	[8]	67		59
Newly originated or purchased financial assets		12		11
Derecognition of financial assets and maturities		(8)		(7)
Changes in models and methodologies		(7)
Gross write-offs		(24)		(23)
Recoveries		8		5
Foreign exchange and other movements		24		(14)
Balance at end of year		1,280		1,115
Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,208
Provision for credit losses
Balance at end of year		1,280		1,115
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		2,319		2,414
Provision for credit losses		548	[1]	411	[2]
Net write-offs		(485)		(427)
Other, including foreign currency adjustment		44		(96)
Provision for credit losses
Remeasurement	[8]	507		387
Newly originated or purchased financial assets		101		93
Derecognition of financial assets and maturities		(64)		(69)
Changes in models and methodologies		4
Gross write-offs		(558)		(488)
Recoveries		73		61
Foreign exchange and other movements		44		(96)
Balance at end of year		2,426		2,302
Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		2,319
Provision for credit losses
Balance at end of year		2,426		2,302
Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,160		1,237
Provision for credit losses		325	[1]	290	[2]
Net write-offs		(331)		(273)
Other, including foreign currency adjustment		31		(22)
Provision for credit losses
Remeasurement	[8]	326		279
Newly originated or purchased financial assets		32		40
Derecognition of financial assets and maturities		(24)		(29)
Changes in models and methodologies		(9)
Gross write-offs		(373)		(316)
Recoveries		42		43
Foreign exchange and other movements		31		(22)
Balance at end of year		1,185		1,232
Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,160
Provision for credit losses
Balance at end of year		1,185		1,232
Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		4,687		4,735
Provision for credit losses
Remeasurement	[8]	900		725
Newly originated or purchased financial assets		145		144
Derecognition of financial assets and maturities		(96)		(105)
Changes in models and methodologies		(12)
Gross write-offs		(955)		(827)
Recoveries		123		109
Foreign exchange and other movements		99		(132)
Balance at end of year		4,891		4,649
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		2,036		1,876
Provision for credit losses		243	[1]	199	[2]
Net write-offs		(122)		(86)
Other, including foreign currency adjustment		17		(58)
Provision for credit losses
Remeasurement	[8]	235		214
Newly originated or purchased financial assets		358		212
Derecognition of financial assets and maturities		(350)		(232)
Gross write-offs		(140)		(112)
Recoveries		18		26
Foreign exchange and other movements		17		(59)
Balance at end of period including off-balance sheet exposures		2,173		1,835
Less: Allowance for credit losses on off-balance sheet exposures	[7]	(207)		(156)
Balance at end of year		2,174		1,931
Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		2,035		1,786
Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of year	[7]	1,966		1,679
Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,849
Provision for credit losses
Balance at end of year		1,966		1,679
Stage 1 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year	[3]	1,583
Provision for credit losses
Balance at end of year		1,623	[4]	1,768	[5]
Stage 1 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		165		265
Provision for credit losses
Remeasurement	[8]	(58)		(65)
Newly originated or purchased financial assets		12		11
Derecognition of financial assets and maturities		(2)		(2)
Changes in models and methodologies		(2)
Transfer to (from)stage 1		53		50
Transfer to (from)stage 2		(10)		(11)
Foreign exchange and other movements		2		(2)
Balance at end of year		160		246
Stage 1 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		165
Provision for credit losses
Balance at end of year		160		246
Stage 1 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		544		647
Provision for credit losses
Remeasurement	[8]	(162)		(186)
Newly originated or purchased financial assets		101		93
Derecognition of financial assets and maturities		(23)		(23)
Changes in models and methodologies		(7)
Transfer to (from)stage 1		150		172
Transfer to (from)stage 2		(58)		(58)
Transfer to (from)stage 3		(2)		(3)
Foreign exchange and other movements		11		(13)
Balance at end of year		554		629
Stage 1 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		544
Provision for credit losses
Balance at end of year		554		629
Stage 1 [member] | Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		288		414
Provision for credit losses
Remeasurement	[8]	(81)		(99)
Newly originated or purchased financial assets		32		40
Derecognition of financial assets and maturities		(13)		(13)
Changes in models and methodologies		(2)
Transfer to (from)stage 1		88		78
Transfer to (from)stage 2		(27)		(34)
Foreign exchange and other movements		10		(5)
Balance at end of year		295		381
Stage 1 [member] | Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		288
Provision for credit losses
Balance at end of year		295		381
Stage 1 [member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		997		1,326
Provision for credit losses
Remeasurement	[8]	(301)		(350)
Newly originated or purchased financial assets		145		144
Derecognition of financial assets and maturities		(38)		(38)
Changes in models and methodologies		(11)
Transfer to (from)stage 1		291		300
Transfer to (from)stage 2		(95)		(103)
Transfer to (from)stage 3		(2)		(3)
Foreign exchange and other movements		23		(20)
Balance at end of year		1,009		1,256
Stage 1 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	(11)		(40)
Newly originated or purchased financial assets		358		212
Derecognition of financial assets and maturities		(315)		(196)
Transfer to (from)stage 1		25		44
Transfer to (from)stage 2		(22)		(31)
Transfer to (from)stage 3		(1)
Foreign exchange and other movements		17		(10)
Balance at end of period including off-balance sheet exposures		790		614
Less: Allowance for credit losses on off-balance sheet exposures	[7]	(176)		(102)
Stage 1 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		739		635
Stage 1 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of year	[7]	614		512
Stage 1 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		586
Provision for credit losses
Balance at end of year		614		512
Stage 2 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year	[3]	2,899
Provision for credit losses
Balance at end of year		3,044	[4]	2,656	[5]
Stage 2 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		398		321
Provision for credit losses
Remeasurement	[8]	36		36
Derecognition of financial assets and maturities		(6)		(5)
Changes in models and methodologies		(14)
Transfer to (from)stage 1		(43)		(37)
Transfer to (from)stage 2		55		49
Transfer to (from)stage 3		(25)		(21)
Foreign exchange and other movements		8		(7)
Balance at end of year		409		336
Stage 2 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		398
Provision for credit losses
Balance at end of year		409		336
Stage 2 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,154		1,103
Provision for credit losses
Remeasurement	[8]	279		221
Derecognition of financial assets and maturities		(41)		(46)
Changes in models and methodologies		3
Transfer to (from)stage 1		(146)		(169)
Transfer to (from)stage 2		85		82
Transfer to (from)stage 3		(124)		(126)
Foreign exchange and other movements		15		(15)
Balance at end of year		1,225		1,050
Stage 2 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,154
Provision for credit losses
Balance at end of year		1,225		1,050
Stage 2 [member] | Credit cards [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		872		823
Provision for credit losses
Remeasurement	[8]	168		181
Derecognition of financial assets and maturities		(11)		(16)
Changes in models and methodologies		(7)
Transfer to (from)stage 1		(88)		(78)
Transfer to (from)stage 2		27		34
Transfer to (from)stage 3		(88)		(70)
Foreign exchange and other movements		17		(23)
Balance at end of year		890		851
Stage 2 [member] | Credit cards [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		872
Provision for credit losses
Balance at end of year		890		851
Stage 2 [member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		2,424		2,247
Provision for credit losses
Remeasurement	[8]	483		438
Derecognition of financial assets and maturities		(58)		(67)
Changes in models and methodologies		(18)
Transfer to (from)stage 1		(277)		(284)
Transfer to (from)stage 2		167		165
Transfer to (from)stage 3		(237)		(217)
Foreign exchange and other movements		40		(45)
Balance at end of year		2,524		2,237
Stage 2 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	67		92
Derecognition of financial assets and maturities		(27)		(34)
Transfer to (from)stage 1		(25)		(44)
Transfer to (from)stage 2		23		32
Transfer to (from)stage 3		(5)		(4)
Foreign exchange and other movements		10		(6)
Balance at end of period including off-balance sheet exposures		551		439
Less: Allowance for credit losses on off-balance sheet exposures	[7]	(31)		(20)
Stage 2 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		508		403
Stage 2 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of year	[7]	520		419
Stage 2 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		475
Provision for credit losses
Balance at end of year		520		419
Stage 3 [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year	[3]	2,054
Provision for credit losses
Balance at end of year		2,190	[4]	1,904	[5]
Stage 3 [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		645		498
Provision for credit losses
Remeasurement	[8]	89		88
Changes in models and methodologies		9
Transfer to (from)stage 1		(10)		(13)
Transfer to (from)stage 2		(45)		(38)
Transfer to (from)stage 3		25		21
Gross write-offs		(24)		(23)
Recoveries		8		5
Foreign exchange and other movements		14		(5)
Balance at end of year		711		533
Stage 3 [member] | Residential mortgages [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		645
Provision for credit losses
Balance at end of year		711		533
Stage 3 [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		621		664
Provision for credit losses
Remeasurement	[8]	390		352
Changes in models and methodologies		8
Transfer to (from)stage 1		(4)		(3)
Transfer to (from)stage 2		(27)		(24)
Transfer to (from)stage 3		126		129
Gross write-offs		(558)		(488)
Recoveries		73		61
Foreign exchange and other movements		18		(68)
Balance at end of year		647		623
Stage 3 [member] | Personal loans [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		621
Provision for credit losses
Balance at end of year		647		623
Stage 3 [member] | Credit cards [member]
Provision for credit losses
Remeasurement	[8]	239		197
Transfer to (from)stage 3		88		70
Gross write-offs		(373)		(316)
Recoveries		42		43
Foreign exchange and other movements		4		6
Stage 3 [member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		1,266		1,162
Provision for credit losses
Remeasurement	[8]	718		637
Changes in models and methodologies		17
Transfer to (from)stage 1		(14)		(16)
Transfer to (from)stage 2		(72)		(62)
Transfer to (from)stage 3		239		220
Gross write-offs		(955)		(827)
Recoveries		123		109
Foreign exchange and other movements		36		(67)
Balance at end of year		1,358		1,156
Stage 3 [member] | Business and government [member]
Provision for credit losses
Remeasurement	[8]	179		162
Derecognition of financial assets and maturities		(8)		(2)
Transfer to (from)stage 2		(1)		(1)
Transfer to (from)stage 3		6		4
Gross write-offs		(140)		(112)
Recoveries		18		26
Foreign exchange and other movements		(10)		(43)
Balance at end of period including off-balance sheet exposures		832		782
Less: Allowance for credit losses on off-balance sheet exposures	[7]			(34)
Stage 3 [member] | Business and government [member] | Gross carrying amount [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		788		748
Stage 3 [member] | Business and government [member] | Net Amount [member]
Provision for credit losses
Balance at end of year	[7]	832		748
Stage 3 [member] | Business and government [member] | Allowance for credit losses [member]
Disclosure of detailed information about financial instruments [line items]
Balance at beginning of the year		788
Provision for credit losses
Balance at end of year		$ 832		$ 748
[1]Excludes amounts associated with other assets and reversal of impairment losses of $(18). The provision for credit losses, net of these amounts, is $1,162.[2]Excludes amounts associated with other assets and reversal of impairment losses of $(1). The provision for credit losses, net of these amounts, is $962.[3]Excludes allowance for credit losses of $200 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 $223 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 $269 for other financial assets including acceptances, investment securities, deposits with banks, off-balance sheet credit risks and reverse repos.[6]Allowance for credit losses on acceptances is recorded against the financial asset in the Consolidated Statement of Financial Position.[7]Allowance for credit losses on off-balance sheet exposures is recorded in other liabilities in the Consolidated Statement of Financial Position.[8]Includes credit risk changes as a result of significant increases in credit risk, changes in credit risk that did not result in a transfer between stages, changes in model inputs and assumptions and changes due to drawdowns of undrawn commitments.

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
	Jan. 31, 2025	Oct. 31, 2024		Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Provision for credit losses	$ 1,162	$ 1,030	[1]	$ 962	[1]
Allowance for credit losses for other financial assets	223	$ 200		269
Other Assets And Reversal of Impairment Loss [Member]
Disclosure of detailed information about financial instruments [line items]
Reversal of impairment loss	(18)			(1)
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	$ 1,162			$ 962
[1]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.

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		Jan. 31, 2025	Oct. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		$ 773,162	$ 767,365
Allowance for credit losses		6,857	6,536
Carrying value of loans net of ACL		766,305	760,829
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		358,791	350,941
Allowance for credit losses		1,280	1,208
Carrying value of loans net of ACL		357,511	349,733
Residential mortgages [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		215,320	214,427
Residential mortgages [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		86,173	81,969
Residential mortgages [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		24,142	21,277
Residential mortgages [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		8,195	7,841
Residential mortgages [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,072	2,827
Residential mortgages [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	19,326	20,228
Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,563	2,372
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		106,635	106,379
Allowance for credit losses		2,426	2,319
Carrying value of loans net of ACL		104,209	104,060
Personal loans [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		31,216	30,865
Personal loans [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		21,227	20,698
Personal loans [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		13,191	13,091
Personal loans [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		15,419	15,378
Personal loans [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,951	2,819
Personal loans [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	21,462	22,411
Personal loans [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		1,169	1,117
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		17,548	17,374
Allowance for credit losses		1,185	1,160
Carrying value of loans net of ACL		16,363	16,214
Credit Card [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,480	2,385
Credit Card [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,063	2,897
Credit Card [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,803	4,686
Credit Card [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,871	4,949
Credit Card [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		1,207	1,044
Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	1,124	1,413
Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL		165,672	161,214
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		118,420	115,398
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		18,597	17,973
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		8,297	8,150
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		4,360	3,995
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		603	315
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	[1]	15,395	15,383
Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		648,646	635,908
Allowance for credit losses		4,891	4,687
Carrying value of loans net of ACL		643,755	631,221
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		367,436	363,075
Total retail loans [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		129,060	123,537
Total retail loans [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		50,433	47,204
Total retail loans [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		32,845	32,163
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		7,833	7,005
Total retail loans [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	57,307	59,435
Total retail loans [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,732	3,489
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		290,188	292,671
Allowance for credit losses		1,966	1,849
Carrying value of loans net of ACL		288,222	290,822
Business and government [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	2,251	2,215
Business and government [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,332	3,250
Business and government [member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		146,773	148,828
Business and government [member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		132,837	133,549
Business and government [member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,995	4,829
Undrawn loan commitments business and government [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL		316,332	312,320
Allowance for credit losses		207	186
Carrying value of undrawn loan commitments net of ACL		316,125	312,134
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	[1]	3,974	3,921
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		34	32
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		249,422	244,759
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		61,909	62,466
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		993	1,142
Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		606,520	604,991
Allowance for credit losses		2,173	2,035
Carrying value of loans net of ACL		604,347	602,956
Total Non Retail Loans [Member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	6,225	6,136
Total Non Retail Loans [Member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,366	3,282
Total Non Retail Loans [Member] | Investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		396,195	393,587
Total Non Retail Loans [Member] | Non investment grade [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		194,746	196,015
Total Non Retail Loans [Member] | Watch list [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		5,988	5,971
Stage one exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		339,619	329,902
Allowance for credit losses		160	165
Carrying value of loans net of ACL		339,459	329,737
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		212,730	211,165
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		83,365	78,344
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		22,202	19,205
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		2,669	2,561
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		48	13
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	[1]	18,605	18,614
Stage one exposure [Member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		95,805	95,697
Allowance for credit losses		554	544
Carrying value of loans net of ACL		95,251	95,153
Stage one exposure [Member] | Personal loans [member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		31,216	30,865
Stage one exposure [Member] | Personal loans [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		21,210	20,686
Stage one exposure [Member] | Personal loans [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		13,149	13,053
Stage one exposure [Member] | Personal loans [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		10,534	10,535
Stage one exposure [Member] | Personal loans [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		73	76
Stage one exposure [Member] | Personal loans [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	19,623	20,482
Stage one exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		14,073	13,865
Allowance for credit losses		295	288
Carrying value of loans net of ACL		13,778	13,577
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		2,480	2,382
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		3,058	2,872
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		4,786	4,631
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		3,067	3,069
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		18	16
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	[1]	664	895
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		161,618	157,605
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		118,419	115,396
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		18,583	17,947
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		8,285	8,128
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		3,597	3,490
Stage one exposure [Member] | Undrawn loan commitments retail [Member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL		13	10
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	[1]	12,721	12,634
Stage one exposure [Member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		611,115	597,069
Allowance for credit losses		1,009	997
Carrying value of loans net of ACL		610,106	596,072
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		364,845	359,808
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		126,216	119,849
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		48,422	45,017
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		19,867	19,655
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		152	115
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	[1]	51,613	52,625
Stage one exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		270,134	273,948
Allowance for credit losses		614	586
Carrying value of loans net of ACL		269,520	273,362
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	[1]	2,222	2,190
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		144,593	146,999
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		123,310	124,749
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		9	10
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		311,130	307,128
Allowance for credit losses		176	153
Carrying value of undrawn loan commitments net of ACL		310,954	306,975
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	[1]	3,974	3,921
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		248,127	243,635
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		59,029	59,572
Stage one exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		581,264	581,076
Allowance for credit losses		790	739
Carrying value of loans net of ACL		580,474	580,337
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	[1]	6,196	6,111
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		392,720	390,634
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		182,339	184,321
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		9	10
Stage two exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		16,609	18,667
Allowance for credit losses		409	398
Carrying value of loans net of ACL		16,200	18,269
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		2,590	3,262
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		2,808	3,625
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		1,940	2,072
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		5,526	5,280
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		3,024	2,814
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	[1]	721	1,614
Stage two exposure [Member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		9,661	9,565
Allowance for credit losses		1,225	1,154
Carrying value of loans net of ACL		8,436	8,411
Stage two exposure [Member] | Personal loans [member] | Low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		17	12
Stage two exposure [Member] | Personal loans [member] | Medium probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		42	38
Stage two exposure [Member] | Personal loans [member] | High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		4,885	4,843
Stage two exposure [Member] | Personal loans [member] | Very High probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		2,878	2,743
Stage two exposure [Member] | Personal loans [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	1,839	1,929
Stage two exposure [Member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		3,475	3,509
Allowance for credit losses		890	872
Carrying value of loans net of ACL		2,585	2,637
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
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		5	25
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		17	55
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		1,804	1,880
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		1,189	1,028
Stage two exposure [Member] | Credit Card [member] | Loans not graded [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[1]	460	518
Stage two exposure [Member] | Undrawn loan commitments retail [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments net of ACL		4,054	3,609
Stage two exposure [Member] | Undrawn loan commitments retail [Member] | Very low probability of default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of undrawn loan commitments before ACL		1	2
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		14	26
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		12	22
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		763	505
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		590	305
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	[1]	2,674	2,749
Stage two exposure [Member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		33,799	35,350
Allowance for credit losses		2,524	2,424
Carrying value of loans net of ACL		31,275	32,926
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		2,591	3,267
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		2,844	3,688
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		2,011	2,187
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		12,978	12,508
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		7,681	6,890
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	[1]	5,694	6,810
Stage two exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		16,722	15,473
Allowance for credit losses		520	475
Carrying value of loans net of ACL		16,202	14,998
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	[1]	29	25
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		2,180	1,829
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		9,527	8,800
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		4,986	4,819
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		5,168	5,160
Allowance for credit losses		31	33
Carrying value of undrawn loan commitments net of ACL		5,137	5,127
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		1,295	1,124
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		2,880	2,894
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		993	1,142
Stage two exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL		21,890	20,633
Allowance for credit losses		551	508
Carrying value of loans net of ACL		21,339	20,125
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	[1]	29	25
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		3,475	2,953
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		12,407	11,694
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		5,979	5,961
Stage three exposure [Member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	2,563	2,372
Allowance for credit losses	[2]	711	645
Carrying value of loans net of ACL	[2]	1,852	1,727
Stage three exposure [Member] | Residential mortgages [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	2,563	2,372
Stage three exposure [Member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	1,169	1,117
Allowance for credit losses	[2]	647	621
Carrying value of loans net of ACL	[2]	522	496
Stage three exposure [Member] | Personal loans [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	1,169	1,117
Stage three exposure [Member] | Total retail loans [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	3,732	3,489
Allowance for credit losses	[2]	1,358	1,266
Carrying value of loans net of ACL	[2]	2,374	2,223
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	[2]	3,732	3,489
Stage three exposure [Member] | Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	3,332	3,250
Allowance for credit losses	[2]	832	788
Carrying value of loans net of ACL	[2]	2,500	2,462
Stage three exposure [Member] | Business and government [member] | Default [member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	3,332	3,250
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	[2]	34	32
Carrying value of undrawn loan commitments net of ACL	[2]	34	32
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	[2]	34	32
Stage three exposure [Member] | Total Non Retail Loans [Member]
Disclosure of detailed information about financial instruments [line items]
Carrying value of loans before ACL	[2]	3,366	3,282
Allowance for credit losses	[2]	832	788
Carrying value of loans net of ACL	[2]	2,534	2,494
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	[2]	$ 3,366	$ 3,282
[1]Portfolios where the customer account level ‘Probability of Default’ has not been determined have been included in the ‘Loans not graded’ category.[2]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	12 Months Ended
	Jan. 31, 2025	Oct. 31, 2024
CANADA
Disclosure of detailed information about financial instruments [line items]
Percentage of imposed import tariffs by US	12.50%
MEXICO
Disclosure of detailed information about financial instruments [line items]
Percentage of imposed import tariffs by US	12.50%
CHINA
Disclosure of detailed information about financial instruments [line items]
Percentage of imposed import tariffs by US	10%
Other Countries [member]
Disclosure of detailed information about financial instruments [line items]
Percentage of imposed import tariffs by US	5%
Base case scenario [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	$ 4,890	$ 4,682
Base case scenario [member] | Previously stated [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	4,475	4,316
Pessimistic scenario [member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1 and Stage 2)	1,082	942
Probability Weighted Scenarios [Member]
Disclosure of detailed information about financial instruments [line items]
ACL (Stage 1)	$ 732	$ 693

Loans, Impaired Loans and Al_11

Loans, Impaired Loans and Allowance for Credit Losses - Loans Past Due But Not Impaired (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		$ 773,162	$ 767,365
Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		358,791	350,941
Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		106,635	106,379
Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		17,548	17,374
Business and government [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross		290,188	292,671
Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	4,304	4,178
Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	2,220	2,136
Financial assets past due but not impaired [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	1,021	990
Financial assets past due but not impaired [member] | Credit Card [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	859	812
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	[1]	204	240
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	[1]	2,572	2,499
31 - 60 days [member] | Financial assets past due but not impaired [member] | Residential mortgages [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	1,505	1,418
31 - 60 days [member] | Financial assets past due but not impaired [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	661	647
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	[1]	256	242
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	[1]	150	192
61 - 90 days [member] | Financial assets past due but not impaired [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	1,316	1,281
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	[1]	715	718
61 - 90 days [member] | Financial assets past due but not impaired [member] | Personal loans [member]
Disclosure of detailed information about financial instruments [line items]
Loans and receivables gross	[1]	360	343
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	[1]	187	172
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	[1]	54	48
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	[1],[2]	416	398
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	[1],[2]	$ 416	$ 398
[1]Loans past due 30 days or less are not presented in this analysis as they are not administratively considered past due.[2]All loans that are over 90 days past due are considered impaired with the exception of credit card receivables which are considered impaired when 180 days past due.

Loans, Impaired Loans and Al_12

Loans, Impaired Loans and Allowance for Credit Losses - Summary of Purchased Credit Impaired Loans (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024	Oct. 31, 2023
Disclosure of detailed information about financial instruments [line items]
Allowance		$ (7,065)	$ (6,723)	$ (6,580)	$ (6,611)
Loans acquired in business combination [member]
Disclosure of detailed information about financial instruments [line items]
Unpaid principal balance	[1]	248	243
Credit related fair value adjustments		(29)	(29)
Carrying value		219	214
Carrying value net of related allowance		218	213
Loans acquired in business combination [member] | Stage 3 [member]
Disclosure of detailed information about financial instruments [line items]
Allowance		$ (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		Jan. 31, 2025	Oct. 31, 2024
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of associated liabilities	[1]	$ 16,807	$ 17,923
Residential mortgage loans [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	10,202	11,190
Other related assets [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1],[2]	$ 6,747	$ 7,202
[1]The fair value of the transferred assets is $16,799 (October 31, 2024 – $18,092) and the fair value of the associated liabilities is $16,769 (October 31, 2024 – $17,692) for a net position of $30 (October 31, 2024 – $400).[2]These include cash held in trust and trust permitted investment assets, including repurchase style transactions of mortgage-backed securities, acquired as part of 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	Jan. 31, 2025	Oct. 31, 2024
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 16,772	$ 18,092
Fair value of associated liabilities	16,769	17,692
Net position	$ 3	$ 400

Derecognition of Financial As_5

Derecognition of Financial Assets - Additional Information (Detail) $ in Millions, $ in Millions	Jan. 31, 2025 CAD ($)	Jan. 31, 2025 USD ($)	Oct. 31, 2024 CAD ($)	Oct. 31, 2024 USD ($)
Capital Vehicle [Member]
Disclosure of financial assets [line items]
Assets that entity continues to recognise		$ 490
Securitisations [member] | Subordinated Notes [Member]
Disclosure of financial assets [line items]
Notes and debentures issued	$ 291	$ 200	$ 0
Securitisations [member] | Unsecured Credit Card And Auto Loan [Member]
Disclosure of financial assets [line items]
Assets that entity continues to recognise	$ 2,990

Derecognition of Financial As_6

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Other Financial Assets Do Not Qualify for Derecognition and Associated Liabilities (Detail) - Other Financial Assets [Member] - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	$ 234,994	$ 232,811
Carrying value of associated liabilities	[1],[2]	182,259	190,449
Repurchase agreement [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1],[3]	163,805	174,334
Securities lending [member]
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Carrying value of assets	[1]	$ 71,189	$ 58,477
[1]The fair value of transferred assets is $234,994 (October 31, 2024 – $232,811) and the fair value of the associated liabilities is $182,259 (October 31, 2024 – $190,449) for a net position of $52,735 (October 31, 2024 – $42,362).[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_7

Derecognition of Financial Assets - Summary of Carrying Amount of Transferred Other Financial Assets Do Not Qualify for Derecognition and Associated Liabilities (Parenthetical) (Detail) - Other Financial Assets [Member] - CAD ($) $ in Millions	Jan. 31, 2025	Oct. 31, 2024
Disclosure of transferred financial assets that are not derecognised in their entirety [line items]
Fair value of transferred assets	$ 234,994	$ 232,811
Fair value of the associated liabilities	182,259	190,449
Net position	$ 52,735	$ 42,362

Investments in Associates - Sum

Investments in Associates - Summary of Significant Investments in Associates (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024
KeyCorp [Member]
Disclosure of associates [line items]
Country of incorporation	[1]	United States
Nature of business	[1]	Banking
Ownership percentage	[1]	14.92%
Date of financial statements	[1],[2]	Dec. 31, 2024
Carrying value	[1]	$ 4,065
Bank of Xian Co Ltd [member]
Disclosure of associates [line items]
Country of incorporation	[3],[4]	China
Nature of business	[3],[4]	Banking
Ownership percentage	[3],[4]	18.11%
Date of financial statements	[2],[3],[4]	Dec. 31, 2024
Carrying value	[3],[4]	$ 698	$ 658
Maduro and curiels bank NV [member]
Disclosure of associates [line items]
Country of incorporation	[5]	Curacao
Nature of business	[5]	Banking
Ownership percentage	[5]	48.10%
Date of financial statements	[2],[5]	Dec. 31, 2024
Carrying value	[5]	$ 558	$ 527
[1]On December 27, 2024, the Bank completed the acquisition of an additional 10% ownership interest, bringing the total ownership interest in KeyCorp to 14.92% (refer to Note 20 for further details). The Bank has significant influence over KeyCorp through a combination of its ownership interest and board representation. Based on the quoted price on the New York Stock Exchange, the Bank’s Investment in KeyCorp was $4,257 as at January 31, 2025.[2]Represents the date of the most recent financial statements. Where available, financial statements prepared by the associates’ management or other published information is used to estimate the change in the Bank’s interest since the most recent financial statements.[3]Based on the quoted price on the Shanghai Stock Exchange, the Bank’s Investment in Bank of Xi’an Co. Ltd. was $567 (October 31, 2024 – $570). The market value of the investment has remained below the carrying amount. The Bank performed an impairment test as at January 31, 2025 using a value in use (VIU) discounted cash flow model. The Bank concluded that there is no impairment as at January 31, 2025 (October 31, 2024 – $343).[4]The Bank has significant influence over the Bank of Xi’an Co. Ltd. through a combination of its ownership interest and board representation.[5]The local regulator requires financial institutions to set aside reserves for general banking risks. These reserves are not required under IFRS, and represent undistributed retained earnings related to a foreign associated corporation, which are subject to local regulatory restrictions. As of January 31, 2025, these reserves amounted to $77 (October 31, 2024 – $74).

Investments in Associates - S_2

Investments in Associates - Summary of Significant Investments in Associates (Parenthetical) (Detail) - CAD ($) $ in Millions		3 Months Ended	12 Months Ended
	Dec. 27, 2024	Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of associates [line items]
Undistributed retained earnings		$ 77	$ 74	$ 70
Investments in associates based on quoted stock exchange price		567	570
Impairment losses		0	$ 343
KeyCorp [member]
Disclosure of associates [line items]
Investments in associates based on quoted stock exchange price		$ 4,257
Additional Proportion of Investment Acquired in Associates	10%
Proportion of ownership interest in associate	14.92%

Deposits - Summary of Deposits

Deposits - Summary of Deposits (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Disclosure Of Deposits [line items]
Payable after notice	[1],[2],[3]	$ 212,958
Payable on a fixed date	[1],[4]	505,675
Total	[1]	966,049	$ 943,849
Canada [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	174,263
Payable on a fixed date	[4]	350,443
Total		691,727	686,817
United States [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	2,231
Payable on a fixed date	[4]	48,608
Total		99,096	90,442
United Kingdom [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	180
Payable on a fixed date	[4]	30,906
Total		31,086	27,091
Mexico [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	12,588
Payable on a fixed date	[4]	17,875
Total		37,553	36,751
Peru [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	5,823
Payable on a fixed date	[4]	6,950
Total		18,991	17,710
Chile [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	146
Payable on a fixed date	[4]	17,058
Total		23,876	23,232
Colombia [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	3,631
Payable on a fixed date	[4]	4,909
Total		9,134	8,102
Other International [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	14,096
Payable on a fixed date	[4]	28,926
Total		54,586	53,704
Personal [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	149,312
Payable on a fixed date	[4]	137,889
Total		303,798	298,821
Business and government [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	61,448
Payable on a fixed date	[4]	336,770
Total		617,874	600,114
Financial institution [member]
Disclosure Of Deposits [line items]
Payable after notice	[2]	2,198
Payable on a fixed date	[4]	31,016
Total		44,377	$ 44,914
Interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	[1],[5]	202,619
Interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	142,823
Interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	48,204
Interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	154
Interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	6,167
Interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	1,418
Interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	27
Interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	3,826
Interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	5,950
Interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	186,964
Interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	9,705
Non- interest bearing [member]
Disclosure Of Deposits [line items]
Payable on demand	[1],[5]	44,797
Non- interest bearing [member] | Canada [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	24,198
Non- interest bearing [member] | United States [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	53
Non- interest bearing [member] | Mexico [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	6,936
Non- interest bearing [member] | Peru [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	51
Non- interest bearing [member] | Chile [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	5,254
Non- interest bearing [member] | Colombia [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	567
Non- interest bearing [member] | Other International [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	7,738
Non- interest bearing [member] | Personal [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	10,647
Non- interest bearing [member] | Business and government [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	32,692
Non- interest bearing [member] | Financial institution [member]
Disclosure Of Deposits [line items]
Payable on demand	[5]	$ 1,458
[1]Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).[2]Deposits payable after notice include all deposits for which the Bank requires notice of withdrawal, generally savings accounts.[3]Includes $122 (October 31, 2024 – $124) of non-interest-bearing deposits.[4]All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments.[5]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		Jan. 31, 2025	Oct. 31, 2024
Disclosure Of Deposits [line Items]
Payable after notice	[1],[2],[3]	$ 212,958
Deposits	[1]	966,049	$ 943,849
U.S. dollar [member]
Disclosure Of Deposits [line Items]
Deposits		309,983	295,316
Chile, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits		20,198	19,271
Mexico, Pesos [member]
Disclosure Of Deposits [line Items]
Deposits		34,709	34,416
Other Foreign Currencies [member]
Disclosure Of Deposits [line Items]
Deposits		115,267	109,683
Non interest bearing deposits [member]
Disclosure Of Deposits [line Items]
Payable after notice		$ 122	$ 124
[1]Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).[2]Deposits payable after notice include all deposits for which the Bank requires notice of withdrawal, generally savings accounts.[3]Includes $122 (October 31, 2024 – $124) of non-interest-bearing deposits.

Deposits - Summary of Maturity

Deposits - Summary of Maturity Schedule for Term Deposits (Detail) - Canada [member] - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Disclosure Of Deposits [line items]
Term deposit	[1]	$ 292,356	$ 295,433
Within three months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	64,683	64,521
Three to six months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	39,867	37,062
Six to twelve months [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	61,186	59,273
One to 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	107,596	115,757
Over 5 years [member]
Disclosure Of Deposits [line items]
Term deposit	[1]	$ 19,024	$ 18,820
[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	Jan. 31, 2025 CAD ($)
Disclosure Of Deposits [line Items]
Deposits payable on a fixed date	$ 505,675	[1],[2]
Foreign countries [member] | Bottom of range [member]
Disclosure Of Deposits [line Items]
Deposits payable on a fixed date	$ 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 $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).

Capital and financing transac_3

Capital and financing transactions - Schedule of capital and financing transactions (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Jan. 31, 2024
Disclosure of classes of share capital [line items]
Beginning Balance		$ 84,076	$ 78,571
Issued in relation to share-based payments, net	[1]	8	10
Ending Balance		$ 86,421	$ 80,452
Common shares [member]
Disclosure of classes of share capital [line items]
Outstanding at beginning of year		1,244,435,686	1,214,044,420
Beginning Balance		$ 22,054	$ 20,109
Issued in relation to share-based payments, net (shares)		1,092,275	58,042
Issued in relation to share-based payments, net		$ 82	$ 4
Issued in relation to the Shareholder Dividend and Share Purchase Plan (shares)	[2]		8,024,950
Issued in relation to the Shareholder Dividend and Share Purchase Plan	[2]		$ 486
Outstanding at end of year		1,245,527,961	1,222,127,412
Ending Balance		$ 22,136	$ 20,599
[1]Represents amounts on account of share-based payments (refer to Note 13).[2]Effective November 1, 2024, and until such time as the Bank elects otherwise, the Bank has suspended the discount to the Average Market Price (as defined in the Plan) for dividend reinvestments and stock dividends under the Plan and has discontinued issuances of common shares from treasury under the Plan. Additionally, 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 - Additional Information (Detail) $ in Millions, $ in Millions		3 Months Ended
	Jan. 31, 2025 USD ($)	Jan. 31, 2025 CAD ($)	Jan. 31, 2024 CAD ($)
Disclosure of objectives, policies and processes for managing capital [line items]
Issue of equity		$ 1,530	$ 1,494
Fixed interest rate [member] | April Twenty Seven Two Thousand Thirty [Member]
Disclosure of objectives, policies and processes for managing capital [line items]
Interest Rate Payable	7.35%
U.S Treasury Rate plus [Member] | April Twenty Seven Two Thousand Eighty Five [Member]
Disclosure of objectives, policies and processes for managing capital [line items]
Interest Rate Payable	2.903%
Series 6 NVCC and LRCN [Member] | April Twenty Seven Two Thousand Eighty Five [Member]
Disclosure of objectives, policies and processes for managing capital [line items]
Interest Rate Payable	7.35%
Issue of equity	$ 1,000
Additional Tier 1 Capital [Member] | Scotiabank LRCN Trust [Member] | Fixed interest rate [member]
Disclosure of objectives, policies and processes for managing capital [line items]
Interest Rate Payable	7.35%
Issue of equity	$ 1,000

Capital Management - Summary of

Capital Management - Summary of Regulatory Capital and Capital Ratios (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Capital
Common Equity Tier 1 capital		$ 60,294	$ 60,631
Net Tier 1 capital		70,592	69,499
Total regulatory capital		78,622	77,708
Total loss absorbing capacity (TLAC)	[1]	135,010	137,752
Risk-weighted assets/exposures used in calculation of capital ratios
Risk-weighted assets	[2],[3]	468,124	463,992
Leverage exposures	[4]	$ 1,586,812	$ 1,563,140
Regulatory ratios
Common Equity Tier 1 capital ratio	[3]	12.90%	13.10%
Tier 1 capital ratio	[3]	15.10%	15%
Total capital ratio	[3]	16.80%	16.70%
Total loss absorbing capacity ratio	[1],[3]	28.80%	29.70%
Leverage ratio	[3],[4]	4.40%	4.40%
Total loss absorbing capacity leverage ratio	[1],[3]	8.50%	8.80%
[1]This measure has been disclosed in this document in accordance with OSFI Guideline – Total Loss Absorbing Capacity (September 2018).[2]As at January 31, 2025, 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 October 31, 2024, the Bank did not have a regulatory capital floor add-on to risk-weighted assets for CET1, Tier 1, Total Capital and TLAC RWA).[3]The regulatory capital ratios are based on Revised Basel III requirements as determined in accordance with OSFI Guideline – Capital Adequacy Requirements (November 2023).[4]The leverage ratios are based on 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 Millions	Jan. 31, 2025	Oct. 31, 2024
Disclosure of regulatory capital and capital ratios [Line Items]
Common Equity Tier 1 Capital	$ 0	$ 0
Tier 1 Capital	$ 0	$ 0

Share-Based Payments - Addition

Share-Based Payments - Additional Information (Detail) - Employee stock options [member]	3 Months Ended
	Jan. 31, 2025 CAD ($) $ / shares	Jan. 31, 2024 CAD ($)
Disclosure of terms and conditions of share-based payment arrangement [line items]
Number of share options, granted	1,586,630
Exercise price of options granted | $ / shares	$ 79.13
Weighted average grant date fair value of options granted	$ 8.26
Increase to equity	$ 8,000,000	$ 10,000,000
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 Financial Information related to Principal Plans (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of defined benefit plans [line items]
Actuarial gains (losses) on employee benefit plans in other comprehensive income		$ 260	$ (74)	$ (530)
Pension plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit service cost	[1]	83		52
Interest on net defined benefit (asset) liability	[1]	(3)		(8)
Other	[1]	3		3
Defined benefit expense	[1]	83		47
Defined contribution expense	[1]	49		46
Actuarial gains (losses) on employee benefit plans in other comprehensive income	[1],[2]	273		472
Other benefit plans [member]
Disclosure of defined benefit plans [line items]
Defined benefit service cost	[1]	6		5
Interest on net defined benefit (asset) liability	[1]	16		17
Other	[1]			3
Defined benefit expense	[1]	22		25
Actuarial gains (losses) on employee benefit plans in other comprehensive income	[1],[2]	$ 13		$ 58
[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 - Additional

Operating Segments - Additional Information (Detail)	3 Months Ended
	Jan. 31, 2025
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
		Jan. 31, 2025		Oct. 31, 2024	[2]	Jan. 31, 2024	[2]
Disclosure of operating segments [line items]
Net interest income	[1]	$ 5,173		$ 4,923		$ 4,773
Non-interest income	[3]	4,199	[4]	3,603	[5]	3,660	[6]
Total revenue		9,372		8,526		8,433
Provision for credit losses		1,162		1,030		962
Depreciation and amortization		403		501	[7]	421
Other non-interest expenses		6,088		4,795		4,318
Provision for income taxes		726		511		533
Net income		993		1,689		2,199
Net income attributable to non-controlling interests in subsidiaries		(154)		47		25
Net income attributable to equity holders of the Bank		1,147		1,642		2,174
Average assets		1,461,000		1,419,000		1,423,000
Average liabilities		1,376,000		1,335,000		1,344,000
Operating segments [member] | Canadian banking [member]
Disclosure of operating segments [line items]
Net interest income	[1],[8]	2,647		2,635		2,491
Non-interest income	[3],[8]	765	[4]	684	[5]	734	[6]
Total revenue	[8]	3,412		3,319		3,225
Provision for credit losses	[8]	538		450		378
Depreciation and amortization	[8]	136		133	[7]	147
Other non-interest expenses	[8]	1,475		1,445		1,352
Provision for income taxes	[8]	350		357		375
Net income	[8]	913		934		973
Net income attributable to equity holders of the Bank	[8]	913		934		973
Average assets	[8]	460,000		457,000		445,000
Average liabilities	[8]	386,000		385,000		393,000
Operating segments [member] | International banking [member]
Disclosure of operating segments [line items]
Net interest income	[1],[8]	2,169		2,147		2,240
Non-interest income	[3],[8]	861	[4]	712	[5]	834	[6]
Total revenue	[8]	3,030		2,859		3,074
Provision for credit losses	[8]	602		556		574
Depreciation and amortization	[8]	130		141	[7]	143
Other non-interest expenses	[8]	1,423		1,350		1,439
Provision for income taxes	[8]	189		168		183
Net income	[8]	686		644		735
Net income attributable to non-controlling interests in subsidiaries	[8]	35		44		22
Net income attributable to equity holders of the Bank	[8]	651		600		713
Average assets	[8]	229,000		224,000		235,000
Average liabilities	[8]	174,000		171,000		183,000
Operating segments [member] | Global Wealth Management [member]
Disclosure of operating segments [line items]
Net interest income	[1],[8]	232		207		185
Non-interest income	[3],[8]	1,347	[4]	1,259	[5]	1,139	[6]
Total revenue	[8]	1,579		1,466		1,324
Provision for credit losses	[8]	4		5		5
Depreciation and amortization	[8]	47		45	[7]	47
Other non-interest expenses	[8]	975		904		827
Provision for income taxes	[8]	144		130		112
Net income	[8]	409		382		333
Net income attributable to non-controlling interests in subsidiaries	[8]	2		2		3
Net income attributable to equity holders of the Bank	[8]	407		380		330
Average assets	[8]	37,000		36,000		35,000
Average liabilities	[8]	43,000		41,000		41,000
Operating segments [member] | Global banking and markets [member]
Disclosure of operating segments [line items]
Net interest income	[1],[8]	319		280		270
Non-interest income	[3],[8]	1,275	[4]	992	[5]	1,023	[6]
Total revenue	[8]	1,594		1,272		1,293
Provision for credit losses	[8]	18		19		5
Depreciation and amortization	[8]	64		66	[7]	62
Other non-interest expenses	[8]	827		741		719
Provision for income taxes	[8]	168		99		119
Net income	[8]	517		347		388
Net income attributable to equity holders of the Bank	[8]	517		347		388
Average assets	[8]	511,000		486,000		505,000
Average liabilities	[8]	511,000		478,000		476,000
Operating segments [member] | Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Net interest income	[1]	(194)	[9]	(346)	[10]	(413)	[11]
Non-interest income	[3]	(49)	[4],[9]	(44)	[5],[10]	(70)	[6],[11]
Total revenue		(243)	[9]	(390)	[10]	(483)	[11]
Depreciation and amortization		26	[12]	116	[7],[10]	22	[11]
Other non-interest expenses		1,388	[9],[13]	355	[10]	(19)	[11]
Provision for income taxes		(125)	[9]	(243)	[10]	(256)	[11]
Net income		(1,532)	[9]	(618)	[10]	(230)	[11]
Net income attributable to non-controlling interests in subsidiaries		(191)	[9]	1	[10]
Net income attributable to equity holders of the Bank		(1,341)	[9]	(619)	[10]	(230)	[11]
Average assets		224,000	[9]	216,000	[10]	203,000	[11]
Average liabilities		$ 262,000	[9]	$ 260,000	[10]	$ 251,000	[11]
[1]Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.[2]Effective Q1 2025, changes were made to the methodology used to allocate certain income, expenses and balance sheet items between business segments. Prior period results for each segment have been reclassified to conform with the current period’s methodology.[3]Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.[4]Includes income (on a taxable equivalent basis) from associated corporations for Canadian Banking – $24, International Banking – $35, and Other – $54.[5]Includes net income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $(2); International Banking – $36, and Other – $7.[6]Includes income (on a taxable equivalent basis) from associated corporations for International Banking – $34, and Other – $12.[7]Includes impairment charge of software intangible assets of $97 in the Other segment.[8]Business line revenues and provision for income taxes are reported on a taxable equivalent basis, with the offset in the Other segment.[9]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 $0 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.[10]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 $2 to arrive at the amounts reported in the Consolidated Statement of Income.[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 $43 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 $0 to arrive at the amounts reported in the Consolidated Statement of Income.[13]Includes the impairment loss related to the announced sale of the banking operations in Colombia, Costa Rica and Panama.

Operating Segments - Schedule_2

Operating Segments - Schedule of Operating Segments (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Canadian banking [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations	$ 24	$ (2)
International banking [member]
Disclosure of operating segments [line items]
Net income from investments in associated corporations	35	36	$ 34
Other smaller operating segments and corporate adjustments [member]
Disclosure of operating segments [line items]
Tax-exempt income	0	2	43
Net income from investments in associated corporations	$ 54	7	$ 12
Other smaller operating segments and corporate adjustments [member] | Operating Segments [Member] | Computer software [member]
Disclosure of operating segments [line items]
Impairment loss recognised in profit or loss intangible assets other than goodwill		$ 97

Interest Income and Expense - D

Interest Income and Expense - Details of Interest Income from Financial Assets (Detail) - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of Interest Income Expense [line items]
Measured at amortized cost	[1]	$ 13,135	$ 13,449	$ 13,539
Measured at FVOCI	[1]	1,442	1,518	1,359
Interest income calculated using effective interest method	[2]	14,577	14,967	14,898
Other	[3]	403	358	541
Interest income	[2]	14,980	15,325	15,439
Measured at amortized cost	[1]	9,746	10,348	10,614
Interest expense calculated using effective interest method		9,746	10,348	10,614
Other	[4]	61	54	52
Interest expenses		$ 9,807	$ 10,402	$ 10,666
[1]The interest income/expense on financial assets/liabilities are calculated using the effective interest method.[2]Includes interest income on financial assets measured at amortized cost and FVOCI, calculated using the effective interest method, of $14,577 for the three months ended January 31, 2025 (October 31, 2024 –$14,967; January 31, 2024 – $14,898).[3]Includes dividend income on equity securities.[4]Includes interest on lease liabilities for the three months ended January 31, 2025 – $32 (October 31, 2024 – $30; January 31, 2024 – $30) and insurance finance expense for the three months ended January 31, 2025 – $8 (October 31, 2024 – $8; January 31, 2024 – $7).

Interest Income and Expense -_2

Interest Income and Expense - Details of Interest Income from Financial Assets (Parenthetical) (Detail) - CAD ($) $ in Millions	3 Months Ended
	Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Expenses by nature [abstract]
Interest expense on lease liabilities	$ 32	$ 30	$ 30
Insurance finance expense	$ 8	$ 8	$ 7

Earnings Per Share - Summary of

Earnings Per Share - Summary of Earnings Per Share (Detail) - CAD ($) $ / shares in Units, shares in Millions, $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Basic earnings per common share
Net income attributable to common shareholders		$ 1,025	$ 1,521	$ 2,066
Weighted average number of common shares outstanding		1,245	1,238	1,214
Basic earnings per common share	[1]	$ 0.82	$ 1.23	$ 1.7
Diluted earnings per common share
Net income attributable to common shareholders		$ 1,025	$ 1,521	$ 2,066
Dilutive impact of share-based payment options and others	[2]	(196)	(3)	(15)
Net income attributable to common shareholders (diluted)		$ 829	$ 1,518	$ 2,051
Weighted average number of common shares outstanding		1,245	1,238	1,214
Dilutive impact of share-based payment options and others	[2]	5	5	7
Weighted average number of diluted common shares outstanding		1,250	1,243	1,221
Diluted earnings per common share	[1]	$ 0.66	$ 1.22	$ 1.68
[1]Earnings per share calculations are based on full dollar and share amounts.[2]Certain options were not included in the calculation of diluted earnings per share as they were anti-dilutive.

Financial Instruments - Summary

Financial Instruments - Summary of Credit Risk Exposures (Detail) - CAD ($) $ in Millions		Jan. 31, 2025		Oct. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Total	[1]	$ 1,328,329		$ 1,305,445
IRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Total	[1]	1,104,814
Standardized portfolio [Member]
Disclosure of detailed information about financial instruments [line items]
Total	[1]	223,515
Non retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	533,763		535,326
Undrawn commitments	[1]	94,488		99,011
Other exposures	[1],[4]	154,334		131,677
Total	[1]	782,585		766,014
Non retail [member] | IRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	465,056
Undrawn commitments	[1]	89,009
Other exposures	[1],[4]	135,971
Total	[1]	690,036
Non retail [member] | Standardized portfolio [Member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[2],[3]	68,707
Undrawn commitments	[1]	5,479
Other exposures	[1],[4]	18,363
Total	[1]	92,549
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	424,039		417,760
Undrawn commitments	[1],[5]	121,641		121,609
Other exposures	[1],[5]	64		62
Total	[1],[5]	545,744		539,431
Retail [member] | IRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	302,945
Undrawn commitments	[1],[5]	111,833
Total	[1],[5]	414,778
Retail [member] | Standardized portfolio [Member]
Disclosure of detailed information about financial instruments [line items]
Drawn	[1],[5]	121,094
Undrawn commitments	[1],[5]	9,808
Other exposures	[1],[5]	64
Total		$ 130,966	[1],[5]	$ 127,000
[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
		Jan. 31, 2025		Oct. 31, 2024	Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	$ 1,328,329		$ 1,305,445
Decreases (increases) in the Bank's before-tax annual earnings		38		45	$ 61
The unrealized foreign currency translation losses		363		324	$ 345
Derivative liabilities transferred into Level 3		0		0
Derivative liabilities transferred out of Level 3		0		0
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		392		447
Liabilities transferred out of level one into level two		1,366		296
Trading assets [member]
Disclosure of detailed information about financial instruments [line items]
Assets transferred out of level two into level one		1,004		1,873
Assets transferred out of level one into level two		1,519		1,503
Investment Securities [Member]
Disclosure of detailed information about financial instruments [line items]
Assets transferred out of level two into level one		788		4,558
Assets transferred out of level one into level two		6,393		3,135
Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	223,515
AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1]	1,104,814
Retail [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1],[2]	545,744		539,431
Retail [member] | Standardized portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount		130,966	[1],[2]	127,000
Retail [member] | Standardized portfolio [member] | Real estate secured [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount		66,000		$ 64,000
Retail [member] | AIRB portfolio [member]
Disclosure of detailed information about financial instruments [line items]
Credit risk exposure default amount	[1],[2]	$ 414,778
Percentage of residential mortgage portfolio insured		23%		24%
Percentage of residential mortgage portfolio uninsured to average loan value		52%		51%
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		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		$ 14.3	$ 12.5	$ 19.3
Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	[1]	8.6	7.3	9.6
Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		17.2	17.5	7.8
Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		4.5	5.4	4.8
Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		1.3	2.9	5.2
Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		3.1	2.8	3.4
Debt specific risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	[1]		3.6	4
Risk diversification effect [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		(9.3)	(15)	(18.2)
Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		13.9	$ 12.1	$ 18.5
Weighted average [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		17.4
Weighted average [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	[1]	8
Weighted average [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		21.8
Weighted average [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		5.7
Weighted average [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		2.6
Weighted average [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		2.8
Weighted average [member] | Risk diversification effect [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		(11.4)
Weighted average [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		17.1
Top of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		22.2
Top of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	[1]	11.1
Top of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		28.5
Top of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		9.6
Top of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		5.9
Top of range [member] | Commodity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		3.5
Top of range [member] | Bank risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		21.6
Bottom of range [member] | Credit risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		10.4
Bottom of range [member] | Credit spread [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk	[1]	6.6
Bottom of range [member] | Interest rate risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		14.5
Bottom of range [member] | Equity price risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		4.2
Bottom of range [member] | Currency risk [member]
Disclosure of detailed information about financial instruments [line items]
Value at risk		1
Bottom of range [member] | Commodity price 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		$ 10.6
[1]Effective November 1, 2024, credit spread VaR also captures issuer-specific credit spread volatility which was previously included in debt specific VaR.

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
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Fair value	[1]	$ 39,594	$ 36,341	$ 32,074
Change in Fair value Gains/(Losses)	[1],[2]	486	159	(4,254)
Cumulative change in FV Gains/(Losses)	[1],[3]	$ 4,626	$ 4,140	$ 4,401
[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 instrument’s 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		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024	Jan. 31, 2024
Disclosure of detailed information about financial instruments [line items]
Contractual maturity amount		$ 44,220	$ 40,481	$ 36,475
Carrying value	[1]	39,594	36,341	32,074
Difference between contractual maturity amount and carrying value		4,626	4,140	4,401
Changes in fair value for the period attributable to changes in own credit risk recorded in other comprehensive income Gains/(Losses)		(264)	(46)	(411)
Cumulative changes in fair value attributable to changes in own credit risk Gains/(Losses)	[2]	$ (1,177)	$ (913)	$ (520)
[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		Jan. 31, 2025	Oct. 31, 2024
Assets:
Cash and deposits with financial institutions	[1]	$ 70,198	$ 63,860
Trading assets		136,708	129,727
Securities purchased under resale agreements and securities borrowed		195,258	200,543
Derivative financial instruments		48,035	44,379
Customers' liability under acceptances		207	148
Liabilities:
Deposits	[2]	966,049	943,849
Financial instruments designated at fair value through profit or loss		39,594	36,341
Acceptances		210	149
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments		59,847	51,260
Obligations related to securities sold under repurchase agreements and securities lent		182,259	190,449
Subordinated debentures		8,042	7,833
Gross carrying amount [member]
Assets:
Cash and deposits with financial institutions		70,198	63,860
Trading assets		136,708	129,727
Securities purchased under resale agreements and securities borrowed		195,258	200,543
Derivative financial instruments		48,035	44,379
Investment securities – FVOCI and FVTPL		124,525	123,420
Investment securities – amortized cost		28,494	29,412
Loans		766,305	760,829
Customers' liability under acceptances		207	148
Other financial assets		27,460	22,467
Liabilities:
Deposits		966,049	943,849
Financial instruments designated at fair value through profit or loss		39,594	36,341
Acceptances		210	149
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments		59,847	51,260
Obligations related to securities sold under repurchase agreements and securities lent		182,259	190,449
Subordinated debentures		8,042	7,833
Other financial liabilities		52,537	53,387
At fair value [member]
Assets:
Cash and deposits with financial institutions		70,198	63,860
Trading assets		136,708	129,727
Securities purchased under resale agreements and securities borrowed		195,258	200,543
Derivative financial instruments		48,035	44,379
Investment securities – FVOCI and FVTPL		124,525	123,420
Investment securities – amortized cost		27,653	28,422
Loans		764,977	757,825
Customers' liability under acceptances		207	148
Other financial assets		27,460	22,467
Liabilities:
Deposits		964,081	941,290
Financial instruments designated at fair value through profit or loss		39,594	36,341
Acceptances		210	149
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments		59,847	51,260
Obligations related to securities sold under repurchase agreements and securities lent		182,259	190,449
Subordinated debentures		8,022	7,814
Other financial liabilities		$ 52,102	$ 53,342
[1]Net of allowances of $3 (October 31, 2024 – $3).[2]Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).

Financial Instruments - Summa_3

Financial Instruments - Summary of Fair Value Hierarchy of Instruments Carried at Fair Value on a Recurring Basis (Detail) - CAD ($) $ in Millions		Jan. 31, 2025	Oct. 31, 2024
Assets:
Precious metals		$ 3,687	$ 2,540
Trading assets
Loans		8,048	7,649
Securities		126,019	119,912
Other		2,641	2,166
Derivative financial instruments
Derivative Financial Assets		48,035	44,379
Liabilities:
Deposits	[1]	966,049	943,849
Financial liabilities designated at fair value through profit or loss		39,594	36,341
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments
Derivative Financial Liabilities		59,847	51,260
Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[2]	3,687	2,540
Trading assets
Assets		136,708	129,727
Investment securities
Investment securities	[3]	124,525	123,420
Derivative financial instruments
Derivative Financial Assets		48,035	44,379
Liabilities:
Deposits	[4]	178	193
Financial liabilities designated at fair value through profit or loss		39,594	36,341
Obligations related to securities sold short		34,855	35,042
Derivative financial instruments
Derivative Financial Liabilities		59,847	51,260
Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans		8,048	7,649
Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		14,008	14,971
Investment securities
Investment securities	[3]	21,230	21,540
Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities		10,299	8,413
Investment securities
Investment securities	[3]	19,228	17,525
Recurring fair value measurement [member] | U.S. treasury and other U.S. agencies debt [member] | IFRS9 [member]
Trading assets
Securities		10,826	15,050
Investment securities
Investment securities	[3]	48,301	46,376
Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		10,627	10,354
Investment securities
Investment securities	[3]	29,718	29,286
Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		12,086	11,934
Investment securities
Investment securities	[3]	3,682	3,527
Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		68,173	59,190
Investment securities
Investment securities	[3]	2,366	5,166
Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other		2,641	2,166
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		12,212	11,584
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		29,262	26,004
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		4,277	4,507
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		175	182
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,109	2,102
Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		18,910	17,908
Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		31,870	25,900
Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		5,642	4,845
Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		29	47
Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		3,396	2,560
Level 1 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Trading assets
Assets		101,467	96,950
Investment securities
Investment securities	[3]	67,366	72,617
Derivative financial instruments
Derivative Financial Assets		118	150
Liabilities:
Obligations related to securities sold short		29,021	30,721
Derivative financial instruments
Derivative Financial Liabilities		230	139
Level 1 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		11,241	11,229
Investment securities
Investment securities	[3]	13,774	12,739
Level 1 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities		7,029	6,228
Investment securities
Investment securities	[3]	10,989	12,823
Level 1 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agencies debt [member] | IFRS9 [member]
Trading assets
Securities		10,826	15,050
Investment securities
Investment securities	[3]	41,079	39,999
Level 1 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		131	422
Investment securities
Investment securities	[3]	1,310	3,940
Level 1 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		4,152	4,940
Investment securities
Investment securities	[3]	135	133
Level 1 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		68,088	59,081
Investment securities
Investment securities	[3]	79	2,983
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		118	150
Level 1 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		230	139
Level 2 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Assets:
Precious metals	[2]	3,687	2,540
Trading assets
Assets		35,231	32,752
Investment securities
Investment securities	[3]	55,147	48,902
Derivative financial instruments
Derivative Financial Assets		47,852	44,176
Liabilities:
Deposits	[4]	178	193
Financial liabilities designated at fair value through profit or loss		39,594	36,341
Obligations related to securities sold short		5,834	4,319
Derivative financial instruments
Derivative Financial Liabilities		59,572	51,078
Level 2 [member] | Recurring fair value measurement [member] | Trading loans [member] | IFRS9 [member]
Trading assets
Loans		8,048	7,649
Level 2 [member] | Recurring fair value measurement [member] | Canadian federal government and government guaranteed debt [member] | IFRS9 [member]
Trading assets
Securities		2,767	3,742
Investment securities
Investment securities	[3]	7,456	8,801
Level 2 [member] | Recurring fair value measurement [member] | Canadian provincial and municipal debt [member] | IFRS9 [member]
Trading assets
Securities		3,270	2,185
Investment securities
Investment securities	[3]	8,239	4,702
Level 2 [member] | Recurring fair value measurement [member] | U.S. treasury and other U.S. agencies debt [member] | IFRS9 [member]
Investment securities
Investment securities	[3]	7,222	6,377
Level 2 [member] | Recurring fair value measurement [member] | Other foreign governments debt [member] | IFRS9 [member]
Trading assets
Securities		10,496	9,932
Investment securities
Investment securities	[3]	28,408	25,346
Level 2 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities		7,934	6,990
Investment securities
Investment securities	[3]	3,513	3,359
Level 2 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		75	88
Investment securities
Investment securities	[3]	309	317
Level 2 [member] | Recurring fair value measurement [member] | Other trading assets [member] | IFRS9 [member]
Trading assets
Other		2,641	2,166
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		12,212	11,584
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		29,262	26,004
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		4,101	4,313
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		174	180
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		2,103	2,095
Level 2 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		18,887	17,895
Level 2 [member] | Recurring fair value measurement [member] | Foreign exchange and gold contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		31,870	25,900
Level 2 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		5,400	4,687
Level 2 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		28	46
Level 2 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		3,387	2,550
Level 3 [member] | Recurring fair value measurement [member] | IFRS9 [member]
Trading assets
Assets		10	25
Investment securities
Investment securities	[3]	2,012	1,901
Derivative financial instruments
Derivative Financial Assets		65	53
Liabilities:
Obligations related to securities sold short			2
Derivative financial instruments
Derivative Financial Liabilities		45	43
Level 3 [member] | Recurring fair value measurement [member] | Corporate and other debt [member] | IFRS9 [member]
Trading assets
Securities			4
Investment securities
Investment securities	[3]	34	35
Level 3 [member] | Recurring fair value measurement [member] | Equity securities [member] | IFRS9 [member]
Trading assets
Securities		10	21
Investment securities
Investment securities	[3]	1,978	1,866
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		58	44
Level 3 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		1	2
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Assets		6	7
Level 3 [member] | Recurring fair value measurement [member] | Interest rate contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		23	13
Level 3 [member] | Recurring fair value measurement [member] | Equity contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		12	19
Level 3 [member] | Recurring fair value measurement [member] | Credit contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		1	1
Level 3 [member] | Recurring fair value measurement [member] | Commodity Contracts [member] | IFRS9 [member]
Derivative financial instruments
Derivative Financial Liabilities		$ 9	$ 10
[1]Deposits denominated in U.S. dollars amount to $309,983 (October 31, 2024 – $295,316), deposits denominated in Chilean pesos amount to $20,198 (October 31, 2024 – $19,271), deposits denominated in Mexican pesos amount to $34,709 (October 31, 2024 – $34,416) and deposits denominated in other foreign currencies amount to $115,267 (October 31, 2024 – $109,683).[2]The fair value of precious metals is determined based on quoted market prices and forward spot prices, where applicable, less the cost to sell.[3]Excludes debt investment securities measured at amortized cost of $28,494 (October 31, 2024 – $29,412).[4]These amounts represent embedded derivatives bifurcated from structured note liabilities measured at amortized 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	Jan. 31, 2025	Oct. 31, 2024
Gross carrying amount [member]
Disclosure of fair value measurement of assets [line items]
Investment securities measured at amortized cost	$ 28,494	$ 29,412

Financial Instruments - Summa_5

Financial Instruments - Summary of Changes in Level 3 Instruments Carried at Fair Value (Detail) - Level 3 [member] - CAD ($) $ in Millions		3 Months Ended
		Jan. 31, 2025	Oct. 31, 2024
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		$ 1,934
Gains/(losses) recorded in income	[1]	55
Gains/(losses) recorded in OCI		5
Purchases/ Issuances		76
Sales/ Settlements		(21)
Transfers into/out of Level 3		(7)
Fair value, ending balance		2,042	$ 1,934
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	54
Derivative financial instruments [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		10
Gains/(losses) recorded in income	[1]	3
Purchases/ Issuances		4
Transfers into/out of Level 3		3
Fair value, ending balance		20	10
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	3
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		(2)
Transfers into/out of Level 3		2	(2)
Fair value, ending balance			(2)
Trading assets [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		25	48
Gains/(losses) recorded in income	[1]	1
Purchases/ Issuances		1	3
Sales/ Settlements		(13)	(6)
Transfers into/out of Level 3		(4)	(20)
Fair value, ending balance		10	25
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	1
Trading assets [member] | Corporate and other debt [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		4
Transfers into/out of Level 3		(4)
Fair value, ending balance			4
Trading assets [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		21
Gains/(losses) recorded in income	[1]	1
Purchases/ Issuances		1
Sales/ Settlements		(13)
Fair value, ending balance		10	21
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	1
Investment securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		1,901	1,822
Gains/(losses) recorded in income	[1]	51	13
Gains/(losses) recorded in OCI		5	1
Purchases/ Issuances		71	72
Sales/ Settlements		(8)	(40)
Transfers into/out of Level 3		(8)	33
Fair value, ending balance		2,012	1,901
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	50
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		35
Gains/(losses) recorded in income	[1]	(1)
Fair value, ending balance		34	35
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	(1)
Investment securities [member] | Equity securities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		1,866
Gains/(losses) recorded in income	[1]	52
Gains/(losses) recorded in OCI		5
Purchases/ Issuances		71
Sales/ Settlements		(8)
Transfers into/out of Level 3		(8)
Fair value, ending balance		1,978	1,866
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	51
Derivative financial assets [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		10	35
Gains/(losses) recorded in income	[1]		1
Purchases/ Issuances			(2)
Sales/ Settlements			(8)
Transfers into/out of Level 3			(16)
Fair value, ending balance			10
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		44
Gains/(losses) recorded in income	[1]	11
Purchases/ Issuances		4
Transfers into/out of Level 3		(1)
Fair value, ending balance		58	44
Change in unrealized gains/(losses)recorded in income for instruments still held	[2],[3]	11
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		7
Gains/(losses) recorded in income	[1]	(1)
Fair value, ending balance		6	7
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	(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]	(1)
Fair value, ending balance		1	2
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	(1)
Interest rate contracts [member] | Derivative financial liabilities [member]
Disclosure of significant unobservable inputs used in fair value measurement of equity [line items]
Fair value, beginning balance		(13)
Gains/(losses) recorded in income	[1]	(10)
Fair value, ending balance		(23)	(13)
Change in unrealized gains/(losses)recorded in income for instruments still held	[2],[4]	(10)
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		(10)
Gains/(losses) recorded in income	[1]	1
Fair value, ending balance		(9)	(10)
Change in unrealized gains/(losses)recorded in income for instruments still held	[2]	1
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		(19)
Gains/(losses) recorded in income	[1]	3
Transfers into/out of Level 3		4
Fair value, ending balance		(12)	(19)
Change in unrealized gains/(losses)recorded in income for instruments still held	[2],[3]	3
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)
[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.[2]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[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.[4]Certain unrealized losses on interest rate derivative contracts are largely offset by mark-to-market changes on embedded derivatives on certain deposit liabilities in the Consolidated Statement of Income.

Corporate Income Taxes - Additi

Corporate Income Taxes - Additional Information (Detail) € in Millions, $ in Millions		3 Months Ended
	Aug. 12, 2024	Jan. 31, 2025 EUR (€)	Jan. 31, 2025 CAD ($)	Oct. 31, 2024 CAD ($)
Disclosure Of Income Taxes [Line Items]
Expected Increase In Effective Tax Rate		1%
Revenue Amount For Tax Assessment | €		€ 750
Global minimum tax rate		15%
2014 to 2019 taxation year [member] | Subsidiaries [member]
Disclosure Of Income Taxes [Line Items]
Subsidiary amount for tax assessment notice served			$ 637	$ 637
2011 to 2019 taxation year [member]
Disclosure Of Income Taxes [Line Items]
Reassessed tax by Canada Revenue Agency			1,634	$ 1,634
2018 to 2019 taxation year [member] | Subsidiaries [member]
Disclosure Of Income Taxes [Line Items]
Subsidiary amount for tax assessment notice served			$ 3
Top of range [member]
Disclosure Of Income Taxes [Line Items]
Capital gains inclusion rate	66.70%
Bottom of range [member]
Disclosure Of Income Taxes [Line Items]
Capital gains inclusion rate	50%

Acquisitions and Divestitures -

Acquisitions and Divestitures - Additional Information (Detail) $ / shares in Units, $ in Millions, $ in Billions							3 Months Ended			12 Months Ended
	Jan. 31, 2025 CAD ($)	Jan. 06, 2025	Dec. 27, 2024 CAD ($)	Dec. 27, 2024 USD ($) $ / shares shares	Aug. 12, 2024 USD ($) $ / shares	May 06, 2024 CAD ($)	Jan. 31, 2025 CAD ($) shares	Oct. 31, 2024 CAD ($)	Jan. 31, 2024 CAD ($)	Oct. 31, 2024 CAD ($)	Aug. 30, 2024
Disclosure of detailed information about business combination [line items]
Total liabilities	$ 1,352,730						$ 1,352,730	$ 1,327,951		$ 1,327,951
Property, plant and equipment	4,902						4,902	5,252		5,252
Assets	1,439,151						1,439,151	1,412,027		1,412,027
Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, net of tax							(62)	1	$ (4)
Share of profit (loss) of associates and joint ventures accounted for using equity method							113	$ 41	$ 46
Impairment losses							0			$ 343
CrediScotia Financiera SA [Member]
Disclosure of detailed information about business combination [line items]
After tax impairment loss on disposal of business						$ 90
Recovery of expenses						7
Impairment losses						$ 143
Colombia, Costa Rica and Panama [Member]
Disclosure of detailed information about business combination [line items]
Goodwill	589						589
Intangible assets from acquisition	151						151
Total liabilities	$ 22,000						$ 22,000
Proportion of ownership interest in common share		14.99%
Proportion of ownership interest in associate		20%
Percentage in the tier one ratio	0.0012						0.0012
Property, plant and equipment	$ 290						$ 290
Assets	23,000						23,000
Net cumulative foreign currency translation losses							(132)
Deposit liabilities	17,600						17,600
Other iabilities	3,300						3,300
Cash and deposits available for sale	2,100						2,100
Investment Securities available for sale	2,400						2,400
Loans available for sale	17,000						17,000
Impairment losses	$ 1,362
KeyCorp [member]
Disclosure of detailed information about business combination [line items]
Proportion of ownership interest in associate			14.92%	14.92%	14.90%
Additional investment recognized gain (loss) in non-interest income | $ / shares				$ 17.2
Carrying Amount Of Investment In Associates			$ 4,100	$ 2.8
Proportion Of Initial Investment To Be Acquired In Associates				4.90%							4.90%
Cash and cash equivalents in subsidiary or businesses acquired or disposed			$ 2,000
Number of shares in entity held by entity or by its subsidiaries or associates | shares				115
Profit (loss) to bank contribution							28
Share of other comprehensive income of associates and joint ventures accounted for using equity method that will be reclassified to profit or loss, net of tax							35
Share of profit (loss) of associates and joint ventures accounted for using equity method							$ 40
Number of Common Share Acquired For Ownership | shares							163,000,000
Par value per share | $ / shares					$ 17.17
Amount payable for the purchase of interest in associates					$ 2.8
Additional proportion of investment to be acquired in associates					10%
KeyCorp [member] | Top of range [member]
Disclosure of detailed information about business combination [line items]
Proportion of ownership interest in associate			14.92%	14.92%
KeyCorp [member] | Bottom of range [member]
Disclosure of detailed information about business combination [line items]
Proportion of ownership interest in associate			4.90%	4.90%