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 CANSIM2025‑102025‑112025‑122026‑012026‑02
Funds advanced
Residential mortgages, insured, TotalV12266772411,3759,2328,5477,7327,957
Variable rateV1226677252,7673,0043,0372,4542,383
Fixed rate, <1 yearV122667726614528506412392
Fixed rate, 1 to <3 yearsV122667727668524385384424
Fixed rate, 3 to <5 yearsV1226677284,7073,3162,8732,7402,838
Fixed rate, 5 years and overV1226677292,6181,8601,7461,7411,919
Residential mortgages, uninsured, TotalV12266773044,07941,22341,83638,29939,076
Variable rateV12266773117,49218,83219,69817,07917,287
Fixed rate, <1 yearV1226677322,0461,8181,6291,4131,205
Fixed rate, 1 to <3 yearsV1226677335,1004,4944,3293,9673,874
Fixed rate, 3 to <5 yearsV12266773416,51813,03313,01512,85113,599
Fixed rate, 5 years and overV1226677352,9243,0463,1662,9893,109
Outstanding balances
Residential mortgages, insured, TotalV122667736377,591377,370376,167375,675375,787
Variable rateV12266773774,31876,61078,91580,42281,935
Fixed rate, <1 yearV1226677386,5866,4085,9415,6455,435
Fixed rate, 1 to <3 yearsV12266773919,18818,95919,33719,11718,992
Fixed rate, 3 to <5 yearsV122667740109,885111,134111,583112,254112,752
Fixed rate, 5 years and overV122667741167,614164,258160,390158,236156,673
Residential mortgages, uninsured, TotalV1226677421,237,0301,240,4311,247,1841,247,4121,248,213
Variable rateV122667743445,846457,156468,192476,589485,025
Fixed rate, <1 yearV12266774424,03623,85623,22322,77322,182
Fixed rate, 1 to <3 yearsV12266774596,95194,70295,39592,89890,533
Fixed rate, 3 to <5 yearsV122667746439,337442,313446,673447,895448,929
Fixed rate, 5 years and overV122667747230,860222,404213,701207,256201,545
  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 CANSIM2025‑102025‑112025‑122026‑012026‑02
Funds advanced
Total variable rate mortgages, TotalV12266774820,49122,07723,06619,79319,934
Closed non-convertible variable rate mortgagesV1226677498,9869,97810,3708,7369,341
Closed convertible variable rate mortgagesV12266775010,97611,64012,19810,65610,124
Open variable rate mortgagesV122667751529459498401468

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollarsCANSIM2025‑102025‑112025‑122026‑012026‑02
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775229,25626,29628,33624,49723,620
Personal loan plansV1226677534,8824,1364,1183,8733,921
Of which: Auto loansV1226677544,1233,4213,4973,2103,150
Personal lines of credit, securedV12266775517,87216,19117,92314,88014,013
Personal lines of credit, unsecuredV1226677564,1393,7104,1023,8553,708
Other personalV1226677572,3642,2592,1921,8891,979
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758658,278663,715670,236668,924671,870
Personal loan plansV122667759124,935125,001124,862124,485124,457
Of which: Auto loansV122667760111,252111,359111,339111,007110,851
Credit card loansV122667761103,902105,200107,105105,336104,623
Personal lines of credit, securedV122667762336,616340,508344,662345,665348,583
Personal lines of credit, unsecuredV12266776373,31173,24973,57273,25673,677
Other personalV12266776419,51419,75820,03620,18220,531

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2025‑102025‑112025‑122026‑012026‑02
Funds advanced
Business loans, TotalV122667765174,108159,361185,004160,751154,522
non-mortgage loans
To regulated non-bank financial institutionsV1226677666,4856,4317,9327,1366,377
Lease receivablesV122667767769785869696565
Loans to individuals and others for business purposesV122667768161,139146,923169,073148,514142,040
mortgage loans
Non-residential mortgagesV1226677693,2292,6343,8652,5052,833
Outstanding balances
Business loans, TotalV122667770897,910900,400912,799906,510913,682
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,85516,86016,86716,57116,971
Lease receivablesV12266777218,40918,34118,27717,45017,360
Loans to individuals and others for business purposesV122667773679,468681,560693,636687,025692,185
mortgage loans
Non-residential mortgagesV12266777491,43892,67393,65194,20195,127
  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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