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Consolidated balance sheet Millions of Canadian dollars. as all October 31 2022 2021 ASSETS Cash and non-interest-bearing deposits with banks 5 31.535 $ 34,573 Interest-bearing deposits with banks 32.326 22,424 Securities (Note 4) 175.379 161.401 Cash collateral on securities borrowed 15.326 12.368 Securities purchased under resale agreements 69.213 67,572 Loans (Note 5) Residential mortgages 269.706 251526 Personal 45.429 41.897 Credit card 16.479 11.134 Business and government 188.542 150,213 Allowance for credit losses {3.073) (2849) 517.063 451,921 Other Derivative instruments {Note 12) 43.035 35,912 Customers' liability under acceptances 11.574 10.958 Property and equipment (Note 7] 3.377 3286 Goodwill (Note a) 5.348 4.954 Software and other intangible assets (Note a) 2.592 2,029 Investments in equityvaccounted assoCiates and 10\"\" ventures {Note 25) 632 858 Deferred tax assets (Note 19) 460 402 Other assets (Note 9} 35.197 29.225 102.2 35 87.424 5 943.597 $ 837.683 LIABILITIES AND EQUITY Deposits {Note t0] Personal 5 232.095 $ 213932 Business and government 397.166 344.388 Bank 22.523 20,246 Secured borrowings 45.766 42.592 697.572 821.158 Obligations related to securities sold short 15.284 22.790 Cash cottateral on securities tent 4.353 2.463 981198339? '9'9194'9. $989!\"??? 819 . 98.8.91. \"NYE"??? '19. \"EN"? 174.71 1' 1.2330 Other Derivative instruments [Note 12) 52.340 32.101 Acceptances 11.566 10.961 Deferred tax liabilities (Note 19) 45 38 Other liabilities (Note 11) 28.072 24.923 92.043 68,023 Subordinated indebtedness {Nola t4) 6.292 5539 Equity Preferred shares and other equity instruments (Note 15) 4.923 4.325 Common shares (Note 15) 14.726 14351 Contributed surplus 115 110 Retained earnings 23.323 25,793 Accumulated other comprehensive income (AOCI) 1.594 1,069 Total shareholders' equity 50.151 45,848 Non-controlling interests 201 182 Total equity 50.362 45.830 5 943.597 $ 837.583 The accompanying notes and shaded sections In "MD&A Management of risk\" are an integral part of these consolidated financtal statements