Bio

Maria teNyenhuis is an economist in the Financial Stability Department. She received her Master of Arts in Economics from the University of British Columbia.


Show all

Staff analytical notes

Resilience of bank liquidity ratios in the presence of a central bank digital currency

Staff Analytical Note 2022-5 Alissa Gorelova, Bena Lands, Maria teNyenhuis
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.

The Impact of Recent Policy Changes on the Canadian Mortgage Market

Staff Analytical Note 2018-35 Olga Bilyk, Maria teNyenhuis
Recent policy changes are having a clear impact on the mortgage market. The number of new, highly indebted borrowers has fallen, and overall mortgage activity has slowed significantly.

The Characteristics of Uninsured Mortgages and their Securitization Potential

Staff Analytical Note 2018-24 Adi Mordel, Maria teNyenhuis
Following changes to housing finance policies that target insured mortgages, uninsured mortgage credit has been growing. This robust growth creates a larger pool of mortgages that may be suitable for private-label residential mortgage-backed securities (RMBS).

See More