{"id":392379,"date":"2020-12-03T05:57:25","date_gmt":"2020-12-03T10:57:25","guid":{"rendered":"http:\/\/www.marketnewsdesk.com\/?p=392379"},"modified":"2020-12-03T05:57:25","modified_gmt":"2020-12-03T10:57:25","slug":"cibc-announces-fourth-quarter-and-fiscal-2020-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/","title":{"rendered":"CIBC Announces Fourth Quarter and Fiscal 2020 Results"},"content":{"rendered":"
\n

Canada NewsWire<\/p>\n<\/p><\/div>\n

\n
\n\n\n
\n

\n
\n CIBC’s 2020 audited annual consolidated financial statements and accompanying management’s discussion and analysis (MD&A) will be available today at www.cibc.com<\/a>, along with the supplementary financial information and supplementary regulatory capital reports which include fourth quarter financial information. All amounts are expressed in Canadian dollars, unless otherwise indicated.<\/i>
\n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

\n TORONTO<\/span>, Dec. 3, 2020<\/span> \/CNW\/ – CIBC<\/b> (TSX: CM) (NYSE: CM) today announced its results for the fourth quarter and fiscal year ended October 31, 2020<\/span>.<\/p>\n

“We delivered resilient financial performance in fiscal 2020 against the backdrop of a global pandemic and an evolving geopolitical environment. Throughout this period, our team was guided by our purpose as we responded, ensuring that we supported our clients, team members and communities through a uniquely challenging time,” said Victor G. Dodig<\/span>, CIBC President and Chief Executive Officer. “At the same time, we took steps to position our bank for the future, including making strategic investments in our people, processes and platforms, and taking steps to enhance our efficiency. As we enter fiscal 2021, our strong financial position will enable us to continue executing our client-focused strategy to deliver growth and generate value for all our stakeholders.”<\/p>\n

\n Fourth quarter highlights<\/b>\n <\/p>\n

\n\n\n\n\n\n\n\n\n\n
\n \n <\/td>\n\n

\n
\n Q4\/20<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n

\n
\n Q4\/19<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n

\n
\n Q3\/20<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n

\n
\n YoY
Variance<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n

\n
\n QoQ
Variance<\/b>
\n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Reported Net Income<\/span>\n <\/p>\n<\/td>\n

\n

\n $1,016 million<\/span>\n <\/p>\n<\/td>\n

\n

\n $1,193 million<\/span>\n <\/p>\n<\/td>\n

\n

\n $1,172 million<\/span>\n <\/p>\n<\/td>\n

\n

\n -15%<\/span>\n <\/p>\n<\/td>\n

\n

\n -13%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Adjusted Net Income (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

\n

\n $1,280 million<\/span>\n <\/p>\n<\/td>\n

\n

\n $1,309 million<\/span>\n <\/p>\n<\/td>\n

\n

\n $1,243 million<\/span>\n <\/p>\n<\/td>\n

\n

\n -2%<\/span>\n <\/p>\n<\/td>\n

\n

\n +3%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Reported Diluted Earnings Per Share (EPS)<\/span>\n <\/p>\n<\/td>\n

\n

\n $2.20<\/span>\n <\/p>\n<\/td>\n

\n

\n $2.58<\/span>\n <\/p>\n<\/td>\n

\n

\n $2.55<\/span>\n <\/p>\n<\/td>\n

\n

\n -15%<\/span>\n <\/p>\n<\/td>\n

\n

\n -14%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Adjusted Diluted EPS (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

\n

\n $2.79<\/span>\n <\/p>\n<\/td>\n

\n

\n $2.84<\/span>\n <\/p>\n<\/td>\n

\n

\n $2.71<\/span>\n <\/p>\n<\/td>\n

\n

\n -2%<\/span>\n <\/p>\n<\/td>\n

\n

\n +3%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Reported Return on Common Shareholders’ Equity (ROE)<\/span>\n <\/p>\n<\/td>\n

\n

\n 10.7%<\/span>\n <\/p>\n<\/td>\n

\n

\n 12.9%<\/span>\n <\/p>\n<\/td>\n

\n

\n 12.1%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n<\/tr>\n
\n

\n Adjusted ROE (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

\n

\n 13.5%<\/span>\n <\/p>\n<\/td>\n

\n

\n 14.2%<\/span>\n <\/p>\n<\/td>\n

\n

\n 12.9%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Common Equity Tier 1 (CET1) Ratio<\/span>\n <\/p>\n<\/td>\n

\n

\n 12.1%<\/span>\n <\/p>\n<\/td>\n

\n

\n 11.6%<\/span>\n <\/p>\n<\/td>\n

\n

\n 11.8%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

\n\n\n
\n

\n (1)\u00a0 For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

CIBC’s results for the fourth quarter of 2020 were affected by the following items of note aggregating to a negative impact of $0.59<\/span> per share:<\/p>\n

    \n
  • \n $220 million<\/span> ($220 million<\/span> after-tax) goodwill impairment charge related to our controlling interest in CIBC FirstCaribbean; <\/li>\n
  • \n $114 million<\/span> ($84 million<\/span> after-tax) charge related to the consolidation of our real estate portfolio; <\/li>\n
  • \n $79 million<\/span> ($58 million<\/span> after-tax) gain as a result of plan amendments related to pension and other post-employment plans; and <\/li>\n
  • \n $23 million<\/span> ($18 million<\/span> after-tax) amortization of acquisition-related intangible assets.<\/li>\n<\/ul>\n

    For the year ended October 31, 2020<\/span>, CIBC reported net income of $3.8 billion<\/span> and adjusted net income(1)<\/sup> of $4.4 billion<\/span>, compared with reported net income of $5.1 billion<\/span> and adjusted net income(1)<\/sup> of $5.4 billion<\/span> for 2019. <\/p>\n

    The following table summarizes our performance in 2020 against our key financial measures and targets:<\/p>\n

    \n\n\n\n\n\n\n\n\n
    \n

    \n
    \n Financial Measure<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n Target<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n 2020 Reported Results<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n 2020 Adjusted Results <\/b>
    \n (1)<\/sup>
    \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Diluted EPS growth (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 5% to 10% annually<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $8.22, down 27% from 2019<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $9.69, down 19% from 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n ROE (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 15% +<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 10.0%<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 11.7%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Efficiency ratio<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 52% run rate in 2022<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 60.6%, an increase of 230 basis<\/span>\n <\/p>\n

    \n points from 2019<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 55.8%, a decline of 30 basis points<\/span>\n <\/p>\n

    \n from 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n CET1 ratio<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n Strong buffer to regulatory<\/span>\n <\/p>\n

    \n minimum<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 12.1%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Dividend payout ratio (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 40% to 50%<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 70.7%<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n 60.0%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Total shareholder return<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n Outperform the S&P\/TSX<\/span>\n <\/p>\n

    \n Composite Banks Index over a<\/span>\n <\/p>\n

    \n rolling five-year period<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n CIBC \u2013 27.7%<\/span>\n <\/p>\n

    \n S&P\/TSX Composite Banks Index \u2013 35.3%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

    \n\n\n\n
    \n

    \n (1)\u00a0 For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n (2)\u00a0 Through the cycle.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

    Core business performance(1)
    <\/sup>F2020 Financial Highlights<\/b><\/p>\n

    \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    \n

    \n (C$ million)<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n F2020<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n F2019<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n

    \n
    \n YoY Variance<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n
    \n Canadian Personal and Business Banking<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n Reported Net Income<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,962<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $2,289<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 14%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Adjusted Net Income (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,968<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $2,463<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 20%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n
    \n Canadian Commercial Banking and Wealth Management<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n Reported Net Income<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,202<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,287<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 7%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Adjusted Net Income (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,203<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,288<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 7%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n
    \n U.S. Commercial Banking and Wealth Management<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n Reported Net Income<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $380<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $682<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 44%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Adjusted Net Income (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $441<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $722<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n down 39%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n
    \n Capital Markets<\/b>
    \n <\/span>\n <\/p>\n<\/td>\n

    		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
    \n

    \n Reported Net Income<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,131<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $954<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n up 19%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n Adjusted Net Income (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $1,131<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n $954<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n up 19%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

    \n\n\n\n
    \n

    \n (1)<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n Certain prior period information has been revised due to enhancements made to our transfer pricing methodology. See the “External reporting changes” section of our 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

    \n

    \n (2)<\/span>\n <\/p>\n<\/td>\n

    		\n

    \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

    \n Strong fundamentals<\/b>
    \n
    While investing in core businesses, CIBC has continued to strengthen key fundamentals. In 2020, CIBC maintained its capital strength and sound risk management practices: <\/p>\n

      \n
    • Capital ratios were strong, with a Basel III CET1 ratio of 12.1% as noted above, and Tier 1 and Total capital ratios of 13.6% and 16.1%, respectively, at October 31, 2020<\/span>; <\/li>\n
    • Market risk, as measured by average Value-at-Risk, was $8.5 million<\/span> in 2020 compared with $5.7 million<\/span> in 2019; <\/li>\n
    • We continued to have solid credit performance, with a loan loss ratio of 26 basis points compared with 29 basis points in 2019; <\/li>\n
    • Average Liquidity Coverage Ratio was 145% for the three months ended October 31, 2020<\/span>; and <\/li>\n
    • Leverage Ratio was 4.7% at October 31, 2020<\/span>.<\/li>\n<\/ul>\n

      \n Credit quality<\/b>
      \n
      Provision for credit losses was $291 million<\/span> for the fourth quarter, down $111 million<\/span> or 28% from the same quarter last year. Provision for credit losses on performing loans was up $41 million<\/span>, primarily due to an unfavourable impact of model parameter updates in Canadian Personal and Business Banking and negative credit migration in U.S. Commercial Banking and Wealth Management. Provision for credit losses on impaired loans was down $152 million<\/span>, due to lower insolvencies and write-offs in credit cards and personal lending, reflecting the impact of the client relief programs and government support.<\/p>\n

      \n Making a difference in our Communities<\/b>
      \n
      Part of being a genuinely caring bank means supporting the organizations and charities that keep our communities strong. In aggregate, we invested $75 million<\/span> in community organizations across Canada and the U.S. during 2020.
      In the fourth quarter:<\/p>\n

        \n
      • Team CIBC rallied around a reimagined Canadian Cancer Society CIBC Run for the Cure, raising $2 million<\/span> to help change the future of breast cancer, bringing our total funds raised in support of this cause to a total of $56 million<\/span> over the past 24 years. <\/li>\n
      • We announced several key donations to community organizations, including a commitment of $750,000<\/span> to Ronald McDonald House Canada<\/span> over the next three years as part of its National Mission Partnership and $500,000<\/span> over three years to support educational and employment opportunities for persons with disabilities at Holland Bloorview. <\/li>\n
      • Towards an inclusive future, we committed an additional $275,000<\/span> for youth-focused organizations in Canada<\/span> and the U.S. that support the Black community; sponsored the second annual Startup & Slay digital series, hosted by How She Hustles, a network for diverse women entrepreneurs and leaders; and supported Actua, an organization that engages young Indigenous peoples for the future of work through transformational STEM programming as we recognized Orange Shirt Day honouring the First Nations, Inuit and M\u00e9tis children who were forcibly removed from their communities and sent to Residential Schools.<\/li>\n<\/ul>\n

        \n <\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Fourth quarter financial highlights<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n As at or for the<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n As at or for the<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n twelve months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Unaudited<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Financial results <\/b>($ millions)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Net interest income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,729<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,801<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 11,044<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 10,551<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,808<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,979<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,971<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 7,697<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8,060<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4,600<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,708<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,772<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 18,741<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 18,611<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 291<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 402<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,489<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,286<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,891<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,702<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,838<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11,362<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,856<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income before income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,418<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,481<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,532<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,890<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6,469<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 402<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 339<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,098<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,348<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Preferred shareholders and other equity instrument holders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 32<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 122<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 111<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Common shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 985<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,139<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,153<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,668<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,985<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,015<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,170<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,185<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,790<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,096<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Financial measures<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Reported efficiency ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 62.9<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 57.4<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 59.5<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 60.6<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 58.3<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Loan loss ratio (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 0.17<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.29<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.33<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 0.26<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.29<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Reported return on common shareholders’ equity (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 10.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12.1<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 10.0<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 14.5<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net interest margin<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1.43<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.43<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.69<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1.50<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.65<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net interest margin on average interest-earning assets (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1.60<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.61<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.90<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1.69<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1.84<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on average assets (4)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 0.52<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.62<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.72<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 0.52<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.80<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on average interest-earning assets (3)(4)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 0.58<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.69<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.81<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 0.58<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 0.89<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Reported effective tax rate<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 28.3<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 22.1<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 22.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20.8<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Common share information<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Per share ($)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n – basic earnings<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2.21<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.56<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.59<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 8.23<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 11.22<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n – reported diluted earnings<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2.20<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2.55<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2.58<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 8.22<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 11.19<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n – dividends<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1.46<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.46<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.44<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5.82<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5.60<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n – book value<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 84.05<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 83.17<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 79.87<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 84.05<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 79.87<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Closing share price ($)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 99.38<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 92.73<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 112.31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 99.38<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 112.31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Shares outstanding (thousands)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n – weighted-average basic<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 446,321<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,416<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,357<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 445,435<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 444,324<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n – weighted-average diluted<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 446,877<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,894<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 446,392<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 446,021<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,457<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n – end of period<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 447,085<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 446,009<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,342<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 447,085<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 445,342<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Market capitalization\u00a0($ millions)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 44,431<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 41,358<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 50,016<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 44,431<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 50,016<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Value measures<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Total shareholder return<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 8.74<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 14.24<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 9.60<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (5.90)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4.19<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Dividend yield (based on closing share price)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5.8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 6.3<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5.1<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5.9<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Reported dividend payout ratio <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 66.2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 57.1<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 55.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 70.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 49.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Market value to book value ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1.18<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.11<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.41<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1.18<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.41<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Selected financial measures – adjusted<\/b>
        \n \u00a0(5)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Adjusted efficiency ratio (6)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 56.4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 54.8<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 56.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 55.8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 55.5<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Adjusted return on common shareholders’ equity (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 13.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 14.2<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15.4<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Adjusted effective tax rate<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 24.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 21.2<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20.2<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 21.8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Adjusted diluted earnings per share<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2.79<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.84<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 9.69<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 11.92<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Adjusted dividend payout ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 52.2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 53.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 50.5<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 60.0<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 46.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n On- and off-balance sheet information <\/b>($ millions)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Cash, deposits with banks and securities<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 211,564<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 212,766<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 138,669<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 211,564<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 138,669<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Loans and acceptances, net of allowance<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 416,388<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 414,457<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 398,108<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 416,388<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 398,108<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 769,551<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 768,545<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 651,604<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 769,551<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 651,604<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Deposits<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 570,740<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 566,135<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 485,712<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 570,740<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 485,712<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Common shareholders’ equity<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 37,579<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 37,095<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 35,569<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 37,579<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 35,569<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Average assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 778,933<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 757,589<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 655,971<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 735,492<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 639,716<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Average interest-earning assets (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 692,465<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 673,527<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 585,816<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 654,142<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 572,677<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Average common shareholders’ equity<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 36,762<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 37,360<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 35,553<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 36,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 34,467<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Assets under administration (AUA) (7)(8)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,368,904<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,413,768<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,425,651<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,368,904<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,425,651<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Assets under management (AUM) (8)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 265,936<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 265,639<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 252,007<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 265,936<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 252,007<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Balance sheet quality and liquidity measures <\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Risk-weighted assets (RWA) ($ millions)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 254,871<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 256,683<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 239,863<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 254,871<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 239,863<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n CET1 ratio (9)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 12.1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11.8<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 12.1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Tier 1 capital ratio (9)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 13.6<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 13.6<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12.9<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Total capital ratio (9)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 16.1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15.4<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 16.1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Leverage ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4.3<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4.3<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Liquidity coverage ratio (LCR)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 145<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 150<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 125<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n n\/a<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Other information<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 43,853<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 43,952<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 45,157<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 43,853<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 45,157<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n

        <\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n The ratio is calculated as the provision for credit losses on impaired loans to average loans and acceptances, net of allowance for credit losses.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Annualized.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Average interest-earning assets include interest-bearing deposits with banks, interest-bearing demand deposits with Bank of Canada, securities, cash collateral on securities borrowed, securities purchased under resale agreements, loans net of allowances, and certain sublease-related assets.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Net income expressed as a percentage of average assets or average interest-earning assets.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Adjusted measures are non-GAAP measures. Adjusted measures are calculated in the same manner as reported measures, except that financial information included in the calculation of adjusted measures is adjusted to exclude the impact of items of note. For additional information and a reconciliation of reported results to adjusted results, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (6)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Calculated on a tax equivalent basis (TEB).<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (7)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Includes the full contract amount of AUA or custody under a 50\/50 joint venture between CIBC and The Bank of New York Mellon of $1,861.5 billion (July 31, 2020: $1,903.7 billion; October 31, 2019: $1,923.2 billion).<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n AUM amounts are included in the amounts reported under AUA.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (9)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Effective beginning in the second quarter of 2020, ratios reflect the expected credit loss transitional arrangement announced by OSFI on March 27, 2020.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Not applicable.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \u00a0<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Review of Canadian Personal and Business Banking fourth quarter results<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n

        \n Oct. 31(1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Revenue<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2,139<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,056<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,225<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for credit losses <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Impaired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 89<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 151<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 218<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Performing<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 41<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 69<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 37<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 130<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 220<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 255<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,149<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,146<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,156<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income before income taxes <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 860<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 690<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 814<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 226<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 182<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 213<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 634<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 508<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 601<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 634<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 508<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 601<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Efficiency ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 53.8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 55.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 52.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on equity\u00a0(2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 37.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 29.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 36.8<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Average allocated common equity\u00a0(2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 6,728<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,790<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,472<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 12,879<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 12,739<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 13,431<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n
        \n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        Net income for the quarter was $634 million<\/span>, up $33 million<\/span> from the fourth quarter of 2019. Adjusted net income(2)<\/sup> for the quarter was $635 million<\/span>, up $32 million<\/span> from the fourth quarter of 2019.<\/p>\n

        Revenue of $2,139 million<\/span> was down $86 million<\/span> from the fourth quarter of 2019, primarily due to narrower margins and lower fees largely driven by reduced client transaction activity as a result of the pandemic, partially offset by volume growth.\u00a0<\/p>\n

        Provision for credit losses of $130 million<\/span> was down $125 million<\/span> from the fourth quarter of 2019, due to a lower provision for credit losses on impaired loans as a result of lower insolvencies and write-offs in credit cards and personal lending, reflecting the impact of the client relief programs and government support.<\/p>\n

        Non-interest expenses of $1,149 million<\/span> were down $7 million<\/span> from the fourth quarter of 2019.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Review of Canadian Commercial Banking and Wealth Management fourth quarter results<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n

        \n Oct. 31(1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Commercial banking<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 409<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 417<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 414<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Wealth management<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 619<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 596<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 612<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,028<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,013<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,026<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for (reversal of) credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Impaired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 21<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 45<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Performing<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 12<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 9<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 25<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 57<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 80<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 540<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 519<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 530<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income before income taxes <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 463<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 437<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 416<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 123<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 117<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 111<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 340<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 320<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 305<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 340<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 320<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 305<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Efficiency ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 52.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 51.2<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 51.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on equity (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 20.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 19.4<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 19.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Average allocated common equity (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 6,551<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,591<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,126<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4,984<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,981<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,048<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n
        \n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        Net income for the quarter was $340 million<\/span>, up $35 million<\/span> from the fourth quarter of 2019. Adjusted net income(2)<\/sup> for the quarter was $341 million<\/span>, up $35 million<\/span> from the fourth quarter of 2019.<\/p>\n

        Revenue of $1,028 million<\/span> was up $2 million<\/span> from the fourth quarter of 2019, driven mainly by volume growth and market appreciation in wealth management. Revenue declined in commercial banking due to changes in the interest rate environment and muted client lending activity, which more than offset volume growth in deposits.<\/p>\n

        Provision for credit losses of $25 million<\/span> was down $55 million<\/span> from the fourth quarter of 2019, due to lower provision for credit losses on impaired loans in the retail and wholesale sectors. <\/p>\n

        Non-interest expenses of $540 million<\/span> were up $10 million<\/span> from the fourth quarter of 2019, primarily due to higher employee-related compensation, partially offset by lower travel and business development activity.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Review of U.S. Commercial Banking and Wealth Management fourth quarter results<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n Oct. 31(1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Commercial banking (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 358<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 364<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 343<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Wealth management<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 157<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 150<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 159<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue (3)(4)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 515<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 514<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 502<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for (reversal of) credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Impaired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 55<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 42<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 13<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Performing<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 27<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 118<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 82<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 160<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 17<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 270<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 271<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 286<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income before income taxes <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 163<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 83<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 199<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 32<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 21<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 20<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 131<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 62<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 179<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 131<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 62<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 179<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Efficiency ratio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 52.4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 52.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 57.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on equity (5)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5.7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2.6<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 8.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Average allocated common equity (5)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 9,191<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 9,559<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 8,842<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,101<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,105<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,113<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n
        \n\n\n\n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain information has been reclassified to conform to the presentation adopted in the first quarter of 2020. Commercial banking now includes the Other line of business, which includes the treasury activities relating to CIBC Bank USA, as these activities primarily support the commercial banking line of business.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Revenue and income taxes are reported on a TEB. Accordingly, revenue and income taxes include a TEB adjustment of nil for the quarter ended October 31, 2020 (July 31, 2020: nil; October 31, 2019: nil). The equivalent amounts are offset in the revenue and income taxes of Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Included $5 million of accretion of the acquisition date fair value discount on the acquired loans of The PrivateBank, shown as an item of note, for the quarter ended October 31, 2020 (July 31, 2020: <\/span>
        \n $5 million; October 31, 2019: $8 million).<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        Net income for the quarter was $131 million<\/span>, down $48 million<\/span> from the fourth quarter of 2019. Adjusted net income(5)<\/sup> for the quarter was $144 million<\/span>, down $46 million<\/span> from the fourth quarter of 2019.<\/p>\n

        Revenue of $515 million<\/span> was up $13 million<\/span> from the fourth quarter of 2019, primarily due to higher loan and deposit volumes and strong growth in asset management fees, partially offset by margin compression due to decline in interest rates and lower transactional loan-related fees.<\/p>\n

        Provision for credit losses of $82 million<\/span> was up $65 million<\/span> from the fourth quarter of 2019. The current quarter included a higher provision for credit losses on performing loans due to unfavourable credit migration. Provision for credit losses on impaired loans was up mainly due to impairments as a result of certain borrower-specific performance issues.<\/p>\n

        Non-interest expenses of $270 million<\/span> were down $16 million<\/span> from the fourth quarter of 2019, primarily due to lower business development and employee-related compensation.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Review of Capital Markets fourth quarter results<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n

        \n Oct. 31(1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Revenue <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Global markets<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 470<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 637<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 432<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Corporate and investment banking<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 322<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 363<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 308<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,000<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 740<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for (reversal of) credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Impaired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 19<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 56<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 24<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Performing<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (11)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 21<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 61<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 45<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 384<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 413<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 386<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income before income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 400<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 526<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 133<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 134<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 79<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 267<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 392<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 230<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income attributable to:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 267<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 392<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 230<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Efficiency ratio <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 48.5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 41.3<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 52.0<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Return on equity (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 15.8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n %<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 22.7<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 14.4<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n %<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Average allocated common equity (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 6,707<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,895<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 6,335<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,470<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,476<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,449<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n
        \n\n\n\n\n\n
        \n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Revenue and income taxes are reported on a TEB. Accordingly, revenue and income taxes include a TEB adjustment of $37 million for the quarter ended October 31, 2020 (July 31, 2020: $51 million; October 31, 2019: $48 million). The equivalent amounts are offset in the revenue and income taxes of Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        Reported and adjusted(3)<\/sup> net income for the quarter was $267 million<\/span>, compared with reported and adjusted(3)<\/sup> net income of $230 million<\/span> for the fourth quarter of 2019. <\/p>\n

        Revenue of $792 million<\/span> was up $52 million<\/span> from the fourth quarter of 2019. In global markets, revenue increased driven by interest rate and commodities trading and global markets financing activities, partially offset by lower foreign exchange trading revenue. In corporate and investment banking, revenue increased driven by higher corporate banking and debt underwriting activity, partially offset by lower advisory and equity underwriting revenue.<\/p>\n

        Provision for credit losses of $8 million<\/span> was down $37 million<\/span> from the fourth quarter of 2019, mainly due to a decline in provision for credit losses on performing loans from accounts migrating to impaired, while the fourth quarter of 2019 reflected the impact of a worsening of our economic outlook.\u00a0 <\/p>\n

        \n

        Non-interest expenses of $384 million<\/span> were down $2 million<\/span> from the fourth quarter of 2019, primarily due to lower performance-related compensation, partially offset by higher spending on strategic initiatives.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Review of Corporate and Other fourth quarter results<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31(1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n International banking<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 178<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 180<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 201<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (52)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (55)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 78<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 126<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 125<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 279<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Provision for (reversal of) credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Impaired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (6)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 6<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Performing<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 52<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 21<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Total provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 46<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 27<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 548<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 353<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 480<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Loss before income taxes <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (468)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (255)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (206)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Income taxes (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (112)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (145)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (84)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net loss<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (356)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (110)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (122)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income (loss) attributable to:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (357)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (112)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (130)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n
        \n

        \n Full-time equivalent employees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 22,419<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 22,651<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 23,116<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n<\/tr>\n<\/table><\/div>\n

        <\/p>\n

        \n\n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Revenue and income taxes of Capital Markets and U.S. Commercial Banking and Wealth Management are reported on a TEB. The equivalent amounts are offset in the revenue and income taxes of Corporate and Other. Accordingly, revenue and income taxes include a TEB adjustment of $37 million for the quarter ended October 31, 2020 (July 31, 2020: $51 million; October 31, 2019: $48 million).<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n For additional information, see the “Non-GAAP measures” section.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        Net loss for the quarter was $356 million<\/span>, compared with a net loss of $122 million<\/span> for the fourth quarter of 2019. Adjusted net loss(3)<\/sup> for the quarter was $107 million<\/span>, compared with an adjusted net loss(3)<\/sup> of $20 million<\/span> for the fourth quarter of 2019.<\/p>\n

        Revenue of $126 million<\/span> was down $153 million<\/span> from the fourth quarter of 2019. \u00a0International banking revenue was down primarily due to lower revenue in CIBC FirstCaribbean due to a decrease in margins and fee income, partially offset by higher loan volumes. Other revenue was down primarily due to lower Treasury revenue largely as a result of excess liquidity costs, interest income in the prior year related to the expected settlement of certain income tax matters, shown as an item of note, and the impact of changes relating to our adoption of IFRS 16 “Leases” in the current year that were largely offset in non-interest expenses.<\/p>\n

        Provision for credit losses was $46 million<\/span>, up $41 million<\/span> from the fourth quarter of 2019, due to a higher provision for credit losses on performing loans related to the COVID-19 pandemic in the Caribbean<\/span> region, partially offset by a lower provision on impaired loans in CIBC FirstCaribbean.<\/p>\n

        Non-interest expenses of $548 million<\/span> were up $68 million<\/span> from the fourth quarter of 2019, primarily due to a charge related to the consolidation of our real estate portfolio and a higher goodwill impairment charge related to our controlling interest in CIBC FirstCaribbean, partially offset by a gain in the current quarter as a result of plan amendments related to pension and other post-employment plans, and lower legal provisions, all shown as items of note. The current quarter was also impacted by changes relating to our adoption of IFRS 16, as noted above.<\/p>\n

        Income tax benefit was up $28 million<\/span> from the fourth quarter of 2019, primarily due to higher losses. The goodwill impairment charge related to our controlling interest in CIBC FirstCaribbean, shown as an item of note, is not deductible for tax purposes.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Consolidated balance sheet<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, as at October 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n ASSETS<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Cash and non-interest-bearing deposits with banks<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 43,531<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 3,840<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Interest-bearing deposits with banks<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 18,987<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13,519<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Securities<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 149,046<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 121,310<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash collateral on securities borrowed<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 8,547<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 3,664<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Securities purchased under resale agreements<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 65,595<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 56,111<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Loans<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Residential mortgages<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 221,165<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 208,652<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Personal<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 42,222<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 43,651<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Credit card<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 11,389<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 12,755<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Business and government<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 135,546<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 125,798<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Allowance for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (3,540)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,915)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 406,782<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 388,941<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Other<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Derivative instruments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 32,730<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 23,895<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Customers’ liability under acceptances<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 9,606<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 9,167<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Property and equipment<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,997<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,813<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Goodwill<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5,253<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5,449<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Software and other intangible assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,961<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,969<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Investments in equity-accounted associates and joint ventures<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 658<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 586<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Deferred tax assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 650<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 517<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 23,208<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20,823<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 77,063<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 64,219<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 769,551<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 651,604<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n LIABILITIES AND EQUITY<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Deposits<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Personal<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 202,152<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 178,091<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Business and government <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 311,426<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 257,502<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Bank<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 17,011<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11,224<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Secured borrowings<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 40,151<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 38,895<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 570,740<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 485,712<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Obligations related to securities sold short <\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 15,963<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15,635<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash collateral on securities lent<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,824<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,822<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Obligations related to securities sold under repurchase agreements<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 71,653<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 51,801<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Other<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Derivative instruments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 30,508<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 25,113<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Acceptances<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 9,649<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 9,188<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Deferred tax liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 33<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 38<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 22,134<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 19,031<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 62,324<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 53,370<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Subordinated indebtedness<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5,712<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,684<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Equity<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Preferred shares and other equity instruments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3,575<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Common shares<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 13,908<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13,591<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Contributed surplus <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 117<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 125<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Retained earnings<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 22,119<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20,972<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Accumulated other comprehensive income (AOCI) <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,435<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 881<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total shareholders’ equity<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 41,154<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 38,394<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 181<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 186<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total equity<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 41,335<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 38,580<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 769,551<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 651,604<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \u00a0<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Consolidated statement of income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions, except as noted<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Interest income<\/b>
        \n \u00a0(1)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Loans<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,099<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 3,120<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 4,091<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 13,863<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 16,048<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Securities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 572<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 568<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 707<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,568<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,779<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Securities borrowed or purchased under resale agreements<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 87<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 113<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 375<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 842<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,474<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Deposits with banks<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 42<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 37<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 104<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 249<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 396<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,800<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 3,838<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,277<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 17,522<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 20,697<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Interest expense<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Deposits<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 822<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 913<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,040<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5,326<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8,422<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Securities sold short<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 59<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 57<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 64<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 254<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 291<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Securities lent or sold under repurchase agreements<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 71<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 83<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 307<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 656<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,198<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Subordinated indebtedness<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 36<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 33<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 56<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 159<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 198<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 20<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 23<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 9<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 83<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 37<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,008<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,109<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,476<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 6,478<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,146<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Net interest income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,729<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,801<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11,044<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,551<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Non-interest income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Underwriting and advisory fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 103<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 123<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 105<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 468<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 475<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Deposit and payment fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 186<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 176<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 228<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 781<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 908<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Credit fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 265<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 261<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 248<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 958<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Card fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 105<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 98<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 110<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 410<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 458<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Investment management and custodial fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 357<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 336<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 341<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,382<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,305<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Mutual fund fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 402<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 391<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 403<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,586<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,595<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Insurance fees, net of claims<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 95<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 94<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 107<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 386<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 430<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Commissions on securities transactions<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 83<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 88<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 77<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 362<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 313<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Gains (losses) from financial instruments measured\/designated at<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n fair value through profit or loss (FVTPL), net<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 86<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 270<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 168<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 694<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 761<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Gains (losses) from debt securities measured at fair value through<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n other comprehensive income (FVOCI) and amortized cost, net<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 9<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 34<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Foreign exchange other than trading<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 45<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 63<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 59<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 234<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 304<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Income from equity-accounted associates and joint ventures<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 12<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 22<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 79<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 92<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 65<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 44<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 97<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 286<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 427<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,808<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,979<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,971<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 7,697<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8,060<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total revenue<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4,600<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,708<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,772<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 18,741<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 18,611<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Provision for credit losses<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 291<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 402<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,489<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,286<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Non-interest expenses<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Employee compensation and benefits <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,371<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,512<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,436<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 6,259<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,726<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Occupancy costs<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 321<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 202<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 230<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 944<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 892<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Computer, software and office equipment<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 516<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 474<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 493<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,939<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,874<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Communications<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 72<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 79<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 308<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 303<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Advertising and business development<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 71<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 51<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 95<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 271<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 359<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Professional fees<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 53<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 51<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 67<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 203<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 226<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Business and capital taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 22<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 117<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 110<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 457<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 311<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 421<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,321<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,366<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,891<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,702<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,838<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11,362<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,856<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Income before income taxes<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,418<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,481<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,532<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,890<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6,469<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Income taxes<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 402<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 339<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,098<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,348<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Net income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Net income attributable to non-controlling interests<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Preferred shareholders and other equity instrument holders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 32<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 122<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 111<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Common shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 985<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,139<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,153<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,668<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 4,985<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Net income attributable to equity shareholders<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,015<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,170<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,185<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,790<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,096<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Earnings per share (in dollars)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Basic<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2.21<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.56<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.59<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 8.23<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 11.22<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Diluted<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2.20<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2.55<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2.58<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 8.22<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 11.19<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Dividends per common share (in dollars)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1.46<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.46<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1.44<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5.82<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5.60<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        <\/p>\n

        \n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Interest income included $3.3 billion for the quarter ended October 31, 2020 (July 31, 2020: $3.5 billion; October 31, 2019: $4.8 billion) calculated based on the effective interest rate method.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \u00a0<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Consolidated statement of comprehensive income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other comprehensive income (loss) (OCI), net of income tax, that is subject to subsequent <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n reclassification to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n Net foreign currency translation adjustments<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on investments in foreign operations<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (187)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,388)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (79)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 382<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (21)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) on hedges of investments in foreign operations<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 103<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 770<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 35<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (202)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (10)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (84)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (618)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (44)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 180<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (31)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net change in debt securities measured at FVOCI<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on securities measured at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 158<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 53<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 254<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 244<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net (gains) losses reclassified to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (5)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (7)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (22)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (28)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 151<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 49<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 232<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 216<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net change in cash flow hedges<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on derivatives designated as cash flow hedges<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 32<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 78<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 91<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 142<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 137<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net (gains) losses reclassified to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (62)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (83)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (50)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 19<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (6)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (30)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 41<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 161<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 131<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n OCI, net of income tax, that is not subject to subsequent reclassification to net income <\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on post-employment defined benefit plans<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 147<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (210)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 80<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (220)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) due to fair value change of fair value option (FVO) liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n

        \n attributable to changes in credit risk<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (8)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (63)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (56)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 28<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) on equity securities designated at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 25<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 27<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 50<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 164<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (246)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 74<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (194)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Total OCI<\/b>
        \n \u00a0(1)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 50<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (718)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 647<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 122<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Comprehensive income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,066<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 454<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,264<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 4,439<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,243<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Comprehensive income attributable to non-controlling interests<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Preferred shareholders and other equity instrument holders<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 31<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 32<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 122<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 111<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Common shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,035<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 421<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,224<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,315<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5,107<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Comprehensive income attributable to equity shareholders<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,065<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 452<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,256<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 4,437<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,218<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Includes $1 million of losses for the quarter ended October 31, 2020 (July 31, 2020: $21 million of gains; October 31, 2019: $2 million of gains), relating to our investments in equity-accounted associates and joint ventures.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Income tax (expense) benefit allocated to each component of OCI<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Subject to subsequent reclassification to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n Net foreign currency translation adjustments<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on investments in foreign operations<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 56<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 42<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) on hedges of investments in foreign operations<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (3)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (65)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (46)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (16)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (9)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (4)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (16)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net change in debt securities measured at FVOCI<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on securities measured at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (7)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (41)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (13)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (59)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (36)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net (gains) losses reclassified to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 7<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 10<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (6)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (39)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (11)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (52)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (26)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net change in cash flow hedges<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on derivatives designated as cash flow hedges<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (12)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (28)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (32)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (51)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (49)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net (gains) losses reclassified to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 22<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 30<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 17<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (7)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 10<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (15)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (58)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (47)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Not subject to subsequent reclassification to net income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Net gains (losses) on post-employment defined benefit plans<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (42)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 75<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (19)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 77<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) due to fair value change of FVO liabilities attributable<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n

        \n to changes in credit risk<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 22<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 20<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (10)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) on equity securities designated at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (9)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (17)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (47)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 89<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (16)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 67<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (45)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 43<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (38)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (130)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (22)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        <\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Consolidated statement of changes in equity<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Preferred shares and other equity instruments<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2,825<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2,825<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,250<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Issue of preferred shares and limited recourse capital notes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 750<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 750<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 575<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,575<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,575<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,825<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Common shares<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 13,800<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,722<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 13,591<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,243<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Issue of common shares<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 89<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 81<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 97<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 371<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 377<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Purchase of common shares for cancellation<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (30)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (68)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (30)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Treasury shares<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 19<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 13,908<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,800<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,591<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 13,908<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 13,591<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Contributed surplus<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 122<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 119<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 128<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 125<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 136<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Compensation expense arising from equity-settled share-based awards<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 16<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Exercise of stock options and settlement of other equity-settled share-based awards<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (8)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (20)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (27)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 117<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 122<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 125<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 117<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 125<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Retained earnings<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Balance at beginning of period before accounting policy changes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n n\/a<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 20,972<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 18,537<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of adopting IFRS 15 at November 1, 2018<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n n\/a<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n n\/a<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 6<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of adopting IFRS 16 at November 1, 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n n\/a<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 148<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at beginning of period after accounting policy changes<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 21,726<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 21,238<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 20,535<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 21,120<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 18,543<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net income attributable to equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,015<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,170<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,185<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,790<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5,096<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Dividends and distributions<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Preferred and other equity instruments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (30)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (31)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (32)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (122)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (111)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Common <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (652)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (650)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (641)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2,592)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2,488)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Premium on purchase of common shares for cancellation<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (79)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (166)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (79)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Realized gains (losses) on equity securities designated at FVOCI reclassified from AOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 62<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 93<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 18<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (2)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (4)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (7)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 22,119<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 21,726<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 20,972<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 22,119<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 20,972<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n AOCI, net of income tax<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n AOCI, net of income tax, that is subject to subsequent reclassification to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n Net foreign currency translation adjustments<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,257<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,875<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,037<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 993<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,024<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net change in foreign currency translation adjustments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (84)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (618)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (44)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 180<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (31)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,173<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,257<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 993<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,173<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 993<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net gains (losses) on debt securities measured at FVOCI<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 309<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 158<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 28<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 77<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (139)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net change in securities measured at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 151<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 49<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 232<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 216<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 309<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 77<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 309<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 77<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net gains (losses) on cash flow hedges<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 304<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 72<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 113<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (18)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net change in cash flow hedges<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (30)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 41<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 161<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 131<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 274<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 304<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 113<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 274<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 113<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n AOCI, net of income tax, that is not subject to subsequent reclassification to net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n Net gains (losses) on post-employment defined benefit plans<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (430)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (220)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (374)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (363)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (143)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net change in post-employment defined benefit plans<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 147<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (210)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 80<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (220)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (283)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (430)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (363)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (283)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (363)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net gains (losses) due to fair value change of FVO liabilities attributable to changes<\/b>
        \n <\/span>\n <\/p>\n

        \n
        \n \u00a0\u00a0 in credit risk<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (32)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 31<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 3<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 16<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (12)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net change attributable to changes in credit risk<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (8)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (63)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (56)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 28<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (40)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (32)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 16<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (40)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 16<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n
        \n Net gains (losses) on equity securities designated at FVOCI<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 39<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 12<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 49<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 45<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 65<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net gains (losses) on equity securities designated at FVOCI<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 25<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 27<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 50<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Realized gains (losses) on equity securities designated at FVOCI reclassified to retained<\/span>\n <\/p>\n

        \n \u00a0\u00a0 earnings<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (62)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (93)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (18)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 39<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 45<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 45<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total AOCI, net of income tax<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,435<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,447<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 881<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,435<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 881<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Non-controlling interests<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Balance at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 179<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 184<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 182<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 186<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 173<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net income attributable to non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Dividends<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (2)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (15)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (11)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Other<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 8<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Balance at end of period<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 181<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 179<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 186<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 181<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 186<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Equity at end of period<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 41,335<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 40,099<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 38,580<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 41,335<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 38,580<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n n\/a<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Not applicable.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \u00a0<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n

        \n
        \n Consolidated statement of cash flows<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash flows provided by (used in) operating activities<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Adjustments to reconcile net income to cash flows provided by (used in) operating activities:<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 291<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 402<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,489<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,286<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Amortization and impairment (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 536<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 249<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 312<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,311<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 838<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Stock options and restricted shares expense<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 16<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Deferred income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (16)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (52)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 18<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (228)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 108<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Losses (gains) from debt securities measured at FVOCI and amortized cost<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (4)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (10)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (6)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (9)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (34)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net losses (gains) on disposal of land, buildings and equipment<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (7)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Other non-cash items, net<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (89)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (39)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (767)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (229)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net changes in operating assets and liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Interest-bearing deposits with banks<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 64<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,348)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (761)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (5,468)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (208)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Loans, net of repayments<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (2,256)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 6,334<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3,550)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (18,891)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (17,653)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Deposits, net of withdrawals<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3,775<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 22,072<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 3,187<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 82,120<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 19,838<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Obligations related to securities sold short<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (263)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,287<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2,092<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 328<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,853<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Accrued interest receivable<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (179)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 223<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (93)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 97<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (122)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Accrued interest payable<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 109<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (238)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 120<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (238)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 138<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Derivative assets<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 10,715<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3,107)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 667<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (8,832)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2,484)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Derivative liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (12,386)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,643<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (884)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5,184<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,037<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Securities measured at FVTPL<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (1,868)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3,278)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2,704<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (8,296)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,826)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Other assets and liabilities measured\/designated at FVTPL<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 975<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 759<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (417)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,563<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,222<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Current income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (221)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 292<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,287<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (309)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Cash collateral on securities lent<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 260<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (95)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (909)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Obligations related to securities sold under repurchase agreements<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 6,678<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (14,802)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,704<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 19,852<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 20,961<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Cash collateral on securities borrowed<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (1,335)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,480)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,235<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (4,883)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,824<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Securities purchased under resale agreements<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (10,747)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 10,574<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3,597)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (9,394)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (10,785)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Other, net<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,845<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2,147)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,765<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (742)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4,041)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2,994)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 18,575<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5,972<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 60,295<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 18,635<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash flows provided by (used in) financing activities<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Issue of subordinated indebtedness<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,000<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,000<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,500<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Redemption\/repurchase\/maturity of subordinated indebtedness<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (33)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,000)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (33)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,001)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Issue of preferred shares and limited recourse capital notes, net of issuance cost<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 747<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 747<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 568<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Issue of common shares for cash<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 41<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 43<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 163<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 157<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Purchase of common shares for cancellation<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (109)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (234)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (109)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net sale (purchase) of treasury shares<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 19<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Dividends and distributions paid<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (650)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (642)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (623)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2,571)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (2,406)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Repayment of lease liabilities<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (78)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (77)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (307)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 9<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 319<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,690)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (1,221)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (1,290)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash flows provided by (used in) investing activities<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Purchase of securities measured\/designated at FVOCI and amortized cost<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (10,056)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (16,201)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (12,619)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (54,075)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (42,304)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Proceeds from sale of securities measured\/designated at FVOCI and amortized cost<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,346<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,159<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2,640<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11,883<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 13,764<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Proceeds from maturity of debt securities measured at FVOCI and amortized cost<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 4,968<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,952<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 5,730<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 23,093<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 10,948<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash used in acquisitions, net of cash acquired<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (25)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (25)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net sale (purchase) of property and equipment<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (100)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (98)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (106)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (309)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (272)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (2,842)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (7,188)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (4,380)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (19,408)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (17,889)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Effect of exchange rate changes on cash and non-interest-bearing deposits with banks<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (13)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (103)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 25<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Net increase (decrease) in cash and non-interest-bearing deposits with banks<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n
        \n during the period<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (5,840)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11,603<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (101)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 39,691<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n (540)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash and non-interest-bearing deposits with banks at beginning of period<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 49,371<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 37,768<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 3,941<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,840<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,380<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Cash and non-interest-bearing deposits with banks at end of period <\/b>
        \n (2)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 43,531<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 49,371<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 3,840<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 43,531<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 3,840<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash interest paid<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 899<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,347<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,356<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 6,716<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 10,008<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash interest received<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 3,401<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 3,850<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 4,978<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 16,774<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 19,840<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash dividends received<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 220<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 211<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 206<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 845<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 735<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Cash income taxes paid<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 639<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 69<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 308<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 39<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1,549<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        <\/p>\n

        \n\n\n\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Comprises amortization and impairment of buildings, right-of-use assets, furniture, equipment, leasehold improvements, software and other intangible assets, and goodwill.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Includes restricted cash of $463 million (July 31, 2020: $468 million; October 31, 2019: $479 million) and interest-bearing demand deposits with Bank of Canada.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \n Non-GAAP measures
        <\/b>We use a number of financial measures to assess the performance of our business lines. Some measures are calculated in accordance with International Financial Reporting Standards (IFRS or GAAP), while other measures do not have a standardized meaning under GAAP, and accordingly, these measures may not be comparable to similar measures used by other companies. Investors may find these non-GAAP measures useful in understanding how management views underlying business performance.<\/p>\n

        Management assesses results on a reported and adjusted basis and considers both as useful measures of performance. Adjusted results remove items of note from reported results and are used to calculate our adjusted measures. Adjusted measures represent non-GAAP measures.<\/p>\n

        For a more detailed discussion on our non-GAAP measures, see the “Non-GAAP measures” section of CIBC’s 2020 Annual Report. To reflect the changes that we made in the first quarter of 2020 (see the “External reporting changes” section of CIBC’s 2020 Annual Report for additional details regarding these changes).<\/p>\n

        The following table provides a reconciliation of GAAP (reported) results to non-GAAP (adjusted) results.<\/p>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n For the three<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n For the twelve<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n months ended<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2019<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n Oct. 31<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Operating results \u2013 reported<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 4,600<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 4,708<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 4,772<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 18,741<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 18,611<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 291<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 402<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,489<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,286<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,891<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,702<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,838<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 11,362<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,856<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Income before income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,418<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,481<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,532<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,890<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6,469<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 402<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 309<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 339<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,098<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,348<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net income attributable to non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net income attributable to equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,015<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,170<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,185<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 3,790<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,096<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Diluted EPS ($)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2.20<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.55<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.58<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 8.22<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 11.19<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Impact of items of note<\/b>
        \n \u00a0(1)(2)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n Revenue<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Settlement of certain income tax matters (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (67)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (67)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Purchase accounting adjustments (4)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (7)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (34)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of items of note on revenue<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (74)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (101)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Expenses<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Amortization of acquisition-related intangible assets (5)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (23)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (26)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (28)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (105)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (109)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Transaction and integration-related costs as well as purchase accounting adjustments (6)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 9<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 11<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Charge related to the consolidation of our real estate portfolio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (114)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (114)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Gain as a result of plan amendments related to pension and other post-employment plans<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 79<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 79<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Restructuring charge (7)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (339)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Goodwill impairment (8)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (220)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (135)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (248)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (135)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Increase in legal provisions (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (70)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (28)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (70)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (28)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Charge for payment made to Air Canada (9)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (227)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of items of note on expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (278)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (96)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (182)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (797)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (488)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total pre-tax impact of items of note on net income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 278<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 96<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 108<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 797<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 387<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Settlement of certain income tax matters (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (18)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (18)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Transaction and integration-related costs as well as purchase accounting adjustments (4)(6)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (12)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Amortization of acquisition-related intangible assets (5)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 5<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 25<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 27<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Charge related to the consolidation of our real estate portfolio<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 30<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Gain as a result of plan amendments related to pension and other post-employment plans<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (21)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (21)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Restructuring charge (7)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 89<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Increase in legal provisions (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 19<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 7<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 19<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 7<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Charge for payment made to Air Canada (9)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 60<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of items of note on income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 14<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 142<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 64<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Total after-tax impact of items of note on net income<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 264<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 116<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 655<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 323<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Impact of items of note on diluted EPS ($)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 0.59<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 0.16<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 0.26<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1.47<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 0.73<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Operating results \u2013 adjusted<\/b>
        \n \u00a0(10)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n Total revenue (11)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 4,600<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 4,708<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 4,698<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 18,741<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 18,510<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Provision for credit losses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 291<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 525<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 402<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2,489<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,286<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Non-interest expenses<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 2,613<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,606<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2,656<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 10,565<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 10,368<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Income before income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,696<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,577<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,640<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 5,687<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 6,856<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Income taxes<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 416<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 334<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 331<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 1,240<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,412<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Net income<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,280<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,243<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,309<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,447<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,444<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net income attributable to non-controlling interests<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 8<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 2<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Net income attributable to equity shareholders<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1,279<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,241<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 1,301<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n 4,445<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n 5,419<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Adjusted diluted EPS ($)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 2.79<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.71<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2.84<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 9.69<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 11.92<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain information has been reclassified to conform to the presentation adopted in the current quarter.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Reflects the impact of items of note on our adjusted results as compared with our reported results.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Recognized in Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (4)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Includes the accretion of the acquisition date fair value discount on the acquired loans of The PrivateBank, shown as an item of note from the fourth quarter of 2017 to the fourth quarter of 2019, recognized in U.S. Commercial Banking and Wealth Management.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (5)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Amortization of acquisition-related intangible assets is recognized in the SBU of the acquired business or Corporate and Other. A summary is provided in the table below.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n

        \n Canadian Personal and Business Banking (pre-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (2)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (8)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (9)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Canadian Personal and Business Banking (after-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (1)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (6)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (7)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Canadian Commercial Banking and Wealth Management (pre-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (1)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (1)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Canadian Commercial Banking and Wealth Management (after-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (1)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (1)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n U.S. Commercial Banking and Wealth Management (pre-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (17)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (21)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (22)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (83)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (88)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n U.S. Commercial Banking and Wealth Management (after-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (13)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (15)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (16)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (61)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (65)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Corporate and Other (pre-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (3)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (13)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (11)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n

        \n Corporate and Other (after-tax)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n (3)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n (12)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n (9)<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n (6)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Transaction costs include legal and other advisory fees and interest adjustments relating to the obligation payable to dissenting shareholders. Integration costs are comprised of direct and incremental costs incurred as part of planning for and executing the integration of the businesses of The PrivateBank (subsequently rebranded as CIBC Bank USA) and Geneva Advisors with CIBC, including enabling cross-sell opportunities and expansion of services in the U.S. market, the upgrade and conversion of systems and processes, project management, integration-related travel, severance, consulting fees and marketing costs related to rebranding activities. Purchase accounting adjustments, shown as an item of note from the fourth quarter of 2017 to the fourth quarter of 2019, include changes in the fair value of contingent consideration relating to the Geneva Advisors and Wellington Financial acquisitions. These items are recognized in Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (7)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Restructuring charge associated with ongoing efforts to transform our cost structure and simplify our bank. This charge consists primarily of employee severance and related costs and was recognized in Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (8)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Goodwill impairment charge related to our controlling interest in CIBC FirstCaribbean recognized in Corporate and Other.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (9)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Charge for a payment made to Air Canada, including related sales tax and transaction costs, to secure our participation in its new loyalty program recognized in Canadian Personal and Business Banking.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (10)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Adjusted to exclude the impact of items of note.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (11)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Excludes TEB adjustments of $37 million (July 31, 2020: $51 million; October 31, 2019: $48 million). Our adjusted efficiency ratio is calculated on a TEB.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n Canadian<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n U.S.<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n Canadian<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Commercial<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Commercial<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n Personal<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Banking and<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Banking and<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n

        \n and Business<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Wealth<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Wealth<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Capital<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Corporate<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n CIBC<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n $ millions, for the three months ended<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Banking<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Management<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Management<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n Markets<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n and Other<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Total<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Reported net income (loss)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 634<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 340<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 131<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 267<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (356)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,016<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n After-tax impact of items of note<\/b>
        \n \u00a0(1)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 13<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 249<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 264<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Adjusted net income (loss)<\/b>
        \n \u00a0(2)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 635<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 341<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 144<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 267<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (107)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,280<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n 2020<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Reported net income (loss)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 508<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 320<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 62<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 392<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (110)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,172<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Jul. 31<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n After-tax impact of items of note (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 15<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 54<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 71<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Adjusted net income (loss) (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 510<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 320<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 77<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 392<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (56)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,243<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Reported net income (loss)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 601<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 305<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 179<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 230<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (122)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,193<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Oct. 31 (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n After-tax impact of items of note (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 2<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 11<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 102<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 116<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Adjusted net income (loss) (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 603<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 306<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 190<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 230<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (20)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,309<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n $ millions, for the twelve months ended<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
        \n

        \n
        \n 2020<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n Reported net income (loss)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,962<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,202<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 380<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,131<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (883)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 3,792<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n
        \n Oct. 31<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n After-tax impact of items of note<\/b>
        \n \u00a0(1)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 6<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 1<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 61<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n –<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 587<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n 655<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n
        \n Adjusted net income (loss)<\/b>
        \n \u00a0(2)<\/sup>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,968<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,203<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 441<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 1,131<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n (296)<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n $<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n

        		\n

        \n
        \n 4,447<\/b>
        \n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n 2019<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Reported net income (loss)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,289<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,287<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 682<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 954<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n (91)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,121<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n Oct. 31 (3)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n After-tax impact of items of note (1)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 174<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 1<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 40<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n \n <\/td>\n\n

        \n –<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 108<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n 323<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n\n \n <\/td>\n\n

        \n Adjusted net income (loss) (2)<\/sup><\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 2,463<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 1,288<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 722<\/span>\n <\/p>\n<\/td>\n

        		\n \n <\/td>\n\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 954<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 17<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n $<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n 5,444<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n \n <\/td>\n<\/tr>\n
        \n

        \n (1)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Reflects impact of items of note under the “2020 Financial results review” section of the 2020 Annual Report.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (2)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Non-GAAP measure.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

        \n

        \n (3)<\/span>\n <\/p>\n<\/td>\n

        		\n

        \n Certain prior period information has been revised. See the “External reporting changes” section of the 2020 Annual Report to Shareholders for additional details.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

        \n Basis of presentation<\/b>
        \n
        The interim consolidated financial information in this news release is prepared in accordance with IFRS and is unaudited whereas the annual consolidated financial information is derived from audited financial statements. These interim consolidated financial statements follow the same accounting policies and methods of application as CIBC’s consolidated financial statements as at and for the year ended October 31, 2020<\/span>.<\/p>\n

        \n Conference Call\/Webcast
        <\/b>The conference call will be held at 8:00 a.m. (ET)<\/span> and is available in English (416-340-2217, or toll-free 1-800-806-5484, passcode 1028175#) and French (514-392-1587, or toll-free 1-800-898-3989, passcode 7008374#). Participants are asked to dial in 10 minutes before the call. Immediately following the formal presentations, CIBC executives will be available to answer questions.<\/p>\n

        A live audio webcast of the conference call will also be available in English and French at www.cibc.com\/en\/about-cibc\/investor-relations\/quarterly-results.html<\/a>.\u00a0<\/p>\n

        Details of CIBC’s 2020 fourth quarter and fiscal year results, as well as a presentation to investors, will be available in English and French at www.cibc.com<\/a>, Investor Relations section, prior to the conference call\/webcast. We are not incorporating information contained on the website in this news release.<\/p>\n

        A telephone replay will be available in English (905-694-9451 or 1-800-408-3053, passcode 2796615#) and French (514-861-2272 or 1-800-408-3053, passcode 7602633#) until 11:59 p.m. (ET)<\/span>January 3, 2021<\/span>. The audio webcast will be archived at www.cibc.com\/en\/about-cibc\/investor-relations\/quarterly-results.html<\/a>.<\/p>\n

        \n About CIBC<\/b>
        \n
        CIBC is a leading North American financial institution with 10 million personal banking, business, public sector and institutional clients. Across Personal and Business Banking, Commercial Banking and Wealth Management, and Capital Markets businesses, CIBC offers a full range of advice, solutions and services through its leading digital banking network, and locations across Canada, in the United States<\/span> and around the world. Ongoing news releases and more information about CIBC can be found at         https:\/\/www.cibc.com\/en\/about-cibc\/media-centre.html<\/a>.<\/p>\n

        The information below forms a part of this news release.<\/p>\n

        Nothing in CIBC’s corporate website (www.cibc.com<\/a>) should be considered incorporated herein by reference.<\/p>\n

        The Board of Directors of CIBC reviewed this news release prior to it being issued.<\/p>\n

        \n A NOTE ABOUT FORWARD-LOOKING STATEMENTS:
        <\/b>
        \n From time to time, we make written or oral forward-looking statements within the meaning of certain securities laws, including in this news release, in other filings with Canadian securities regulators or the U.S. Securities and Exchange Commission and in other communications. All such statements are made pursuant to the “safe harbour” provisions of, and are intended to be forward-looking statements under applicable Canadian and U.S. securities legislation, including the U.S. Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, statements made in the “Core business performance”, “Strong fundamentals”, and “Making a difference in our Communities” sections of this news release, and the Management’s Discussion and Analysis in our 2020 Annual Report under the heading “Economic and market environment \u2013 Outlook for calendar year 2021” and other statements about our operations, business lines, financial condition, risk management, priorities, targets, ongoing objectives, strategies, the regulatory environment in which we operate and outlook for calendar year 2021 and subsequent periods. Forward-looking statements are typically identified by the words “believe”, “expect”, “anticipate”, “intend”, “estimate”, “forecast”, “target”, “objective” and other similar expressions or future or conditional verbs such as “will”, “should”, “would” and “could”. By their nature, these statements require us to make assumptions, including the economic assumptions set out in the “Economic and market environment \u2013 Outlook for calendar year 2021” section of our 2020 Annual Report, as updated by quarterly reports, and are subject to inherent risks and uncertainties that may be general or specific. Given the continuing impact of the coronavirus (COVID-19) pandemic on the global economy, financial markets, and our business, results of operations, reputation and financial condition and the expectation that oil prices will remain well below year-ago levels, there is inherently more uncertainty associated with our assumptions as compared to prior periods. A variety of factors, many of which are beyond our control, affect our operations, performance and results, and could cause actual results to differ materially from the expectations expressed in any of our forward-looking statements. These factors include: the occurrence, continuance or intensification of public health emergencies, such as the COVID-19 pandemic, and any related government policies and actions; credit, market, liquidity, strategic, insurance, operational, reputation, legal, conduct, regulatory and environmental and related social risk; currency value and interest rate fluctuations, including as a result of market and oil price volatility; the effectiveness and adequacy of our risk management and valuation models and processes; legislative or regulatory developments in the jurisdictions where we operate, including the Organisation for Economic Co-operation and Development Common Reporting Standard, and regulatory reforms in the United Kingdom<\/span> and Europe<\/span>, the Basel Committee on Banking Supervision’s global standards for capital and liquidity reform, and those relating to bank recapitalization legislation and the payments system in Canada<\/span>; amendments to, and interpretations of, risk-based capital guidelines and reporting instructions, and interest rate and liquidity regulatory guidance; the resolution of legal and regulatory proceedings and related matters; the effect of changes to accounting standards, rules and interpretations; changes in our estimates of reserves and allowances; changes in tax laws; changes to our credit ratings; political conditions and developments, including changes relating to economic or trade matters; the possible effect on our business of international conflicts and terrorism; natural disasters, disruptions to public infrastructure and other catastrophic events; reliance on third parties to provide components of our business infrastructure; potential disruptions to our information technology systems and services; increasing cyber security risks which may include theft or disclosure of assets, unauthorized access to sensitive information, or operational disruption; social media risk; losses incurred as a result of internal or external fraud; anti-money laundering; the accuracy and completeness of information provided to us concerning clients and counterparties; the failure of third parties to comply with their obligations to us and our affiliates or associates; intensifying competition from established competitors and new entrants in the financial services industry including through internet and mobile banking; technological change; global capital market activity; changes in monetary and economic policy; general business and economic conditions worldwide, as well as in Canada<\/span>, the U.S. and other countries where we have operations, including increasing Canadian household debt levels and global credit risks; our success in developing and introducing new products and services, expanding existing distribution channels, developing new distribution channels and realizing increased revenue from these channels; changes in client spending and saving habits; our ability to attract and retain key employees and executives; our ability to successfully execute our strategies and complete and integrate acquisitions and joint ventures; the risk that expected benefits of an acquisition, merger or divestiture will not be realized within the expected time frame or at all; and our ability to anticipate and manage the risks associated with these factors. This list is not exhaustive of the factors that may affect any of our forward-looking statements. These and other factors should be considered carefully and readers should not place undue reliance on our forward-looking statements. Any forward-looking statements contained in this news release represent the views of management only as of the date hereof and are presented for the purpose of assisting our shareholders and financial analysts in understanding our financial position, objectives and priorities and anticipated financial performance as at and for the periods ended on the dates presented, and may not be appropriate for other purposes. We do not undertake to update any forward-looking statement that is contained in this news release or in other communications except as required by law.<\/i>\n <\/p>\n

        SOURCE CIBC<\/p>\n<\/p><\/div>\n

        \"\"<\/p>\n","protected":false},"excerpt":{"rendered":"

        Canada NewsWire CIBC’s 2020 audited annual consolidated financial statements and accompanying management’s discussion and analysis (MD&A) will be available today at www.cibc.com, along with the supplementary financial information and supplementary regulatory capital reports which include fourth quarter financial information. All amounts are expressed in Canadian dollars, unless otherwise indicated. TORONTO, Dec. 3, 2020 \/CNW\/ – CIBC (TSX: CM) (NYSE: CM) today announced its results for the fourth quarter and fiscal year ended October 31, 2020. “We delivered resilient financial performance in fiscal 2020 against the backdrop of a global pandemic and an evolving geopolitical environment. Throughout this period, our team was guided by our purpose as we responded, ensuring that we supported our clients, team members and communities through a … <\/p>\n

        Continue reading “CIBC Announces Fourth Quarter and Fiscal 2020 Results”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-392379","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nCIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"Canada NewsWire CIBC’s 2020 audited annual consolidated financial statements and accompanying management’s discussion and analysis (MD&A) will be available today at www.cibc.com, along with the supplementary financial information and supplementary regulatory capital reports which include fourth quarter financial information. All amounts are expressed in Canadian dollars, unless otherwise indicated. TORONTO, Dec. 3, 2020 \/CNW\/ – CIBC (TSX: CM) (NYSE: CM) today announced its results for the fourth quarter and fiscal year ended October 31, 2020. “We delivered resilient financial performance in fiscal 2020 against the backdrop of a global pandemic and an evolving geopolitical environment. Throughout this period, our team was guided by our purpose as we responded, ensuring that we supported our clients, team members and communities through a … Continue reading "CIBC Announces Fourth Quarter and Fiscal 2020 Results"\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/\" \/>\n<meta property=\"og:site_name\" content=\"Market Newsdesk\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-03T10:57:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203\" \/>\n<meta name=\"author\" content=\"Newsdesk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Newsdesk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"34 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/\"},\"author\":{\"name\":\"Newsdesk\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"headline\":\"CIBC Announces Fourth Quarter and Fiscal 2020 Results\",\"datePublished\":\"2020-12-03T10:57:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/\"},\"wordCount\":6876,\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rt.prnewswire.com\\\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/\",\"name\":\"CIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rt.prnewswire.com\\\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203\",\"datePublished\":\"2020-12-03T10:57:25+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#primaryimage\",\"url\":\"https:\\\/\\\/rt.prnewswire.com\\\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203\",\"contentUrl\":\"https:\\\/\\\/rt.prnewswire.com\\\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/cibc-announces-fourth-quarter-and-fiscal-2020-results\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CIBC Announces Fourth Quarter and Fiscal 2020 Results\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#website\",\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/\",\"name\":\"Market Newsdesk\",\"description\":\"Latest Business News in Real Time\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/#\\\/schema\\\/person\\\/482f27a394d4fda80ecb5499e519d979\",\"name\":\"Newsdesk\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g\",\"caption\":\"Newsdesk\"},\"url\":\"https:\\\/\\\/www.marketnewsdesk.com\\\/index.php\\\/author\\\/newsdesk\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/","og_locale":"en_US","og_type":"article","og_title":"CIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk","og_description":"Canada NewsWire CIBC’s 2020 audited annual consolidated financial statements and accompanying management’s discussion and analysis (MD&A) will be available today at www.cibc.com, along with the supplementary financial information and supplementary regulatory capital reports which include fourth quarter financial information. All amounts are expressed in Canadian dollars, unless otherwise indicated. TORONTO, Dec. 3, 2020 \/CNW\/ – CIBC (TSX: CM) (NYSE: CM) today announced its results for the fourth quarter and fiscal year ended October 31, 2020. “We delivered resilient financial performance in fiscal 2020 against the backdrop of a global pandemic and an evolving geopolitical environment. Throughout this period, our team was guided by our purpose as we responded, ensuring that we supported our clients, team members and communities through a … Continue reading \"CIBC Announces Fourth Quarter and Fiscal 2020 Results\"","og_url":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/","og_site_name":"Market Newsdesk","article_published_time":"2020-12-03T10:57:25+00:00","og_image":[{"url":"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203","type":"","width":"","height":""}],"author":"Newsdesk","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Newsdesk","Est. reading time":"34 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#article","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/"},"author":{"name":"Newsdesk","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"headline":"CIBC Announces Fourth Quarter and Fiscal 2020 Results","datePublished":"2020-12-03T10:57:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/"},"wordCount":6876,"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#primaryimage"},"thumbnailUrl":"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/","url":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/","name":"CIBC Announces Fourth Quarter and Fiscal 2020 Results - Market Newsdesk","isPartOf":{"@id":"https:\/\/www.marketnewsdesk.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#primaryimage"},"image":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#primaryimage"},"thumbnailUrl":"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203","datePublished":"2020-12-03T10:57:25+00:00","author":{"@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979"},"breadcrumb":{"@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#primaryimage","url":"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203","contentUrl":"https:\/\/rt.prnewswire.com\/rt.gif?NewsItemId=C4132&Transmission_Id=202012030554CANADANWWEB______C4132&DateId=20201203"},{"@type":"BreadcrumbList","@id":"https:\/\/www.marketnewsdesk.com\/index.php\/cibc-announces-fourth-quarter-and-fiscal-2020-results\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.marketnewsdesk.com\/"},{"@type":"ListItem","position":2,"name":"CIBC Announces Fourth Quarter and Fiscal 2020 Results"}]},{"@type":"WebSite","@id":"https:\/\/www.marketnewsdesk.com\/#website","url":"https:\/\/www.marketnewsdesk.com\/","name":"Market Newsdesk","description":"Latest Business News in Real Time","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.marketnewsdesk.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.marketnewsdesk.com\/#\/schema\/person\/482f27a394d4fda80ecb5499e519d979","name":"Newsdesk","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a0d0bd5b0f0ca12a265a459b13169dac35f33776d8501eda5e68844a366f2f46?s=96&d=mm&r=g","caption":"Newsdesk"},"url":"https:\/\/www.marketnewsdesk.com\/index.php\/author\/newsdesk\/"}]}},"_links":{"self":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts\/392379","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/comments?post=392379"}],"version-history":[{"count":0,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/posts\/392379\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/media?parent=392379"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/categories?post=392379"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marketnewsdesk.com\/index.php\/wp-json\/wp\/v2\/tags?post=392379"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}