Maria teNyenhuis - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-29T12:50:02+00:00Variable-rate mortgages with fixed payments: Examining trigger rates
https://www.bankofcanada.ca/2022/11/staff-analytical-notes-2022-19/
We estimate the share of variable-rate mortgages with fixed payments that reached the so-called trigger rateāthe interest rate at which mortgage payments no longer cover the principal. Amid rising interest rates, this share was close to 50% at the end of October 2022 and could potentially reach 65% in 2023.2022-11-22T11:43:13+00:00enVariable-rate mortgages with fixed payments: Examining trigger rates2022-11-22Resilience of bank liquidity ratios in the presence of a central bank digital currency
https://www.bankofcanada.ca/2022/05/staff-analytical-note-2022-5/
Could Canadian banks continue to meet their regulatory liquidity requirements after the introduction of a cash-like retail central bank digital currency (CBDC)? We conduct a hypothetical exercise to estimate how a CBDC could affect bank liquidity by increasing the run-off rates of transactional retail deposits under four increasingly severe scenarios.2022-05-09T11:00:50+00:00enResilience of bank liquidity ratios in the presence of a central bank digital currency2022-05-09