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Average Deposits by Segment
Reflects the average deposit levels in various segments, providing a view of the bank's funding base and customer loyalty.Business & Government deposits have been the engine of balance-sheet growth, rising far faster than personal deposits and shifting the funding mix toward corporate cash; personal balances are steady but losing share. At the same time secured borrowings have climbed materially since 2024, signaling heavier reliance on wholesale funding to finance growth — a potential margin and liquidity risk if funding costs rise. Smaller, volatile ‘Bank’ deposits are recovering but remain a minor, unstable source.
Date | Personal | Business and Government | Bank | Secured Borrowings |
|---|---|---|---|---|
Jul 31, 2026 | C$261.89B | C$500.75B | C$32.32B | C$57.22B |
Apr 30, 2026 | C$261.41B | C$480.41B | C$30.71B | C$60.24B |
Jan 31, 2026 | C$258.88B | C$466.39B | C$27.58B | C$63.04B |
Oct 31, 2025 | C$258.14B | C$457.28B | C$26.72B | C$65.98B |
Jul 31, 2025 | C$256.13B | C$448.86B | C$27.06B | C$60.62B |
Apr 30, 2025 | C$255.52B | C$441.34B | C$27.40B | C$60.36B |
Jan 31, 2025 | C$258.67B | C$443.53B | C$20.11B | C$59.87B |
Oct 31, 2024 | C$252.89B | C$435.50B | C$20.01B | C$56.45B |
Jul 31, 2024 | C$250.23B | C$414.18B | C$27.50B | C$51.53B |
Apr 30, 2024 | C$248.40B | C$408.56B | C$25.85B | C$49.15B |