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## TABLE 22 Average Deposits ($ millions, except as noted) 

<img src='content_image/88920.jpg'>

As at October 31, 2002, 2001 and 2000, deposits by foreign depositors in our Canadian bank offices amounted to $8,612 million, $8,668 million and $9,148 million, respectively. As at October 31, 2002, 2001 and 2000, total deposits payable after notice included $19,581 million, $20,021 million and $18,597 million, respectively, of chequing accounts that would have been classified as demand 

## TABLE 23 Unrealized Gains (Losses) on Investment Securities (a) ($ millions) 

deposits under U.S. reporting requirements. As at October 31, 2002, 2001 and 2000, total deposits payable on a fixed date included $14,953 million, $21,362 million and $27,041 million, respectively, of federal funds purchased and commercial paper issued. These amounts would have been classified as short-term borrowings for U.S. reporting purposes. 

<img src='content_image/88921.jpg'>

(a) Unrealized gains (losses) may be offset by related losses (gains) on liabilities or by hedge contracts. 

NA — not available 

## TABLE 24 Contractual Obligations ($ millions) 

<img src='content_image/88922.jpg'>

(a) Includes deposits that are redeemable at the customersGLYPH<213> option under certain conditions. 

(b) Represents Innovative Tier 1 capital instruments. 

