Funds advanced and outstanding balances for new and existing lending by chartered banks

View or download the latest monthly data. For metadata and background information, see the notes.

Typically published within the third week of the month.

Legend

Mortgages
Funds advanced
Residential mortgages, insured, Total
Fixed rate, 5 years and over
Residential mortgages, uninsured, Total
Fixed rate, 5 years and over
Outstanding balances
Residential mortgages, insured, Total
Fixed rate, 5 years and over
Residential mortgages, uninsured, Total
Fixed rate, 5 years and over
Residential variable rate mortgages
Funds advanced
Total variable rate mortgages, Total
Consumer credit
Funds advanced for non-mortgage loans
Consumer credit, Total
Outstanding balances for non-mortgage loans
Consumer credit, Total
Credit extended to corporate sector for mortgage loans
Funds advanced
Business loans, Total
Credit extended to corporate sector
Outstanding balances
Business loans, Total

Monthly series

Data available as: CSV, JSON and XML

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Mortgages1

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑122025‑012025‑022025‑032025‑04
Funds advanced
Residential mortgages, insured, TotalV1226677247,2967,0767,2297,9158,547
Variable rateV1226677251,2231,7722,041 R2,3672,399
Fixed rate, <1 yearV122667726544496518592567
Fixed rate, 1 to <3 yearsV122667727623525519457481
Fixed rate, 3 to <5 yearsV1226677283,0502,8202,5372,6962,561
Fixed rate, 5 years and overV1226677291,8561,4631,6141,8032,539
Residential mortgages, uninsured, TotalV12266773035,42837,35335,49536,52738,928
Variable rateV12266773111,09615,15016,08316,76816,738
Fixed rate, <1 yearV1226677322,0181,9051,7421,7861,751
Fixed rate, 1 to <3 yearsV1226677334,2744,7594,2144,0274,089
Fixed rate, 3 to <5 yearsV12266773415,34512,93010,93211,05912,136
Fixed rate, 5 years and overV1226677352,6952,6092,5252,8874,214
Outstanding balances
Residential mortgages, insured, TotalV122667736381,247384,173383,336382,018381,207
Variable rateV12266773762,53364,81666,42368,12869,540
Fixed rate, <1 yearV1226677384,6465,7445,8795,9505,956
Fixed rate, 1 to <3 yearsV12266773923,34723,57622,68822,00021,093
Fixed rate, 3 to <5 yearsV12266774095,88797,90298,39199,061100,268
Fixed rate, 5 years and overV122667741194,834192,135189,954186,879184,350
Residential mortgages, uninsured, TotalV1226677421,193,7511,212,2141,214,7941,220,9441,224,509
Variable rateV122667743374,770385,025396,151408,100418,073
Fixed rate, <1 yearV12266774411,89922,80922,63122,73422,831
Fixed rate, 1 to <3 yearsV122667745128,985128,049122,740118,044112,778
Fixed rate, 3 to <5 yearsV122667746389,893393,742395,767399,078402,176
Fixed rate, 5 years and overV122667747288,204282,590277,504272,988268,652
  1. 1. As of January 2019, insured and uninsured residential mortgages exclude residential mortgages to the corporate sector.[←]

Residential variable rate mortgages

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑122025‑012025‑022025‑032025‑04
Funds advanced
Total variable rate mortgages, TotalV12266774812,51717,19818,399 R19,38519,567
Closed non-convertible variable rate mortgagesV1226677495,4068,3238,9638,8869,672
Closed convertible variable rate mortgagesV1226677506,6718,3458,8879,8319,090
Open variable rate mortgagesV122667751439529548668805

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollarsCANSIM2024‑122025‑012025‑022025‑032025‑04
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775224,29522,93321,59125,368 R27,387
Personal loan plansV1226677534,0134,0373,8134,601 R4,773
Of which: Auto loansV1226677543,3573,2643,0303,825 R3,999
Personal lines of credit, securedV12266775513,57512,18111,89413,45615,710
Personal lines of credit, unsecuredV1226677564,2774,2703,9255,2064,411
Other personalV1226677572,4292,4441,9592,1052,493
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758622,642619,059619,559623,618 R629,112
Personal loan plansV122667759123,085122,584122,383123,649 R123,855
Of which: Auto loansV122667760109,305108,816108,534109,795 R109,996
Credit card loansV122667761102,278100,25599,554100,169100,477
Personal lines of credit, securedV122667762306,401305,978307,100308,938312,977
Personal lines of credit, unsecuredV12266776371,50471,27071,67471,83172,275
Other personalV12266776419,37418,97118,84719,03119,528

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑122025‑012025‑022025‑032025‑04
Funds advanced
Business loans, TotalV122667765169,393 R156,812 R152,988 R165,642 R166,467
non-mortgage loans
To regulated non-bank financial institutionsV1226677666,8846,4846,0976,1086,538
Lease receivablesV122667767782588545770761
Loans to individuals and others for business purposesV122667768155,151 R144,023 R140,474 R154,136153,686
mortgage loans
Non-residential mortgagesV1226677693,4783,1393,0022,3222,792
Outstanding balances
Business loans, TotalV122667770864,318 R864,702 R873,164 R875,759 R883,772
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,77515,95515,64015,56216,114
Lease receivablesV12266777218,60418,58518,77918,86718,905
Loans to individuals and others for business purposesV122667773638,947 R637,411 R644,296 R660,424 R666,442
mortgage loans
Non-residential mortgagesV122667774101,898103,865104,50091,41391,911
  1. 2. As of January 2019, Total business loans exclude non-residential mortgages to the personal sector.[←]

Notes

See also: Chartered Banks: Notes for Banking and Financial Statistics

Source: Bank of Canada

Federally-regulated credit unions and subsidiaries of non-bank financial institutions are excluded from the universe of chartered banks for the purposes of the Banking and Financial Statistics (BFS) tables. This treatment is consistent with the methodology used by Statistics Canada in their key economic and financial statistical programs (e.g., National Balance Sheet Accounts), which follows the NAICS framework.

The data shown is to provide information on the funds advanced and outstanding balances vis-à-vis new and existing loans, booked in Canada, in Canadian dollars only, to Canadian households and corporate sectors by institutions. Reporting coverage encompasses banks and foreign bank branches.

Information provided on mortgages and consumer credit tables represent credit extended to individuals for non-business purposes. These loans are those used to finance the acquisition of housing, consumer goods and services, including the acquisition of securities.

The funds advanced and outstanding balance section classify amounts across terms based on the term set at loan origination.

Funds advanced represents the cumulative total of new credit extended, new draws on existing credit facilities, mortgage or term-loan renewals and refinancing for a given month.

Outstanding balances are reported as month-end accounting book values, gross of allowances for expected credit losses. Outstanding balances for credit card lending is reported based on the closest billing cycle period.

Data collection on outstanding balances, auto-loans, open and closed variable rate residential mortgages began in July 2016.

For precise definitions of loan categories and general detail, please visit the Report on New and Existing Lending (A4) instructions on the OSFI website.

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