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 CANSIM2025‑052025‑062025‑072025‑082025‑09
Funds advanced
Residential mortgages, insured, TotalV1226677249,85110,96311,02011,17610,303
Variable rateV1226677252,1421,9821,787 R1,7661,878
Fixed rate, <1 yearV122667726553660621587660
Fixed rate, 1 to <3 yearsV122667727527642691709664
Fixed rate, 3 to <5 yearsV1226677282,8173,2853,8114,3174,430
Fixed rate, 5 years and overV1226677293,8124,3934,110 R3,7982,671
Residential mortgages, uninsured, TotalV12266773040,16240,66539,88239,77337,625
Variable rateV12266773113,90312,80711,213 R10,61912,008
Fixed rate, <1 yearV1226677321,6551,9441,9391,8521,963
Fixed rate, 1 to <3 yearsV1226677334,4634,9105,1995,0974,653
Fixed rate, 3 to <5 yearsV12266773414,39415,012 R15,91617,34815,646
Fixed rate, 5 years and overV1226677355,7485,9935,6144,8573,355
Outstanding balances
Residential mortgages, insured, TotalV122667736381,565381,015377,123 R378,556377,809
Variable rateV12266773770,50371,20671,60572,10572,697
Fixed rate, <1 yearV1226677385,9386,4126,505 R6,6176,771
Fixed rate, 1 to <3 yearsV12266773920,21419,805 R19,334 R19,289 R19,087
Fixed rate, 3 to <5 yearsV122667740101,629104,132 R102,354 R105,010 R107,489
Fixed rate, 5 years and overV122667741183,282179,459 R177,325 R175,535 R171,764
Residential mortgages, uninsured, TotalV1226677421,227,7901,230,444 R1,235,199 R1,239,430 R1,243,384
Variable rateV122667743424,366428,606432,183435,131440,047
Fixed rate, <1 yearV12266774423,00123,665 R23,828 R23,99324,312
Fixed rate, 1 to <3 yearsV122667745107,645103,734 R101,400 R100,058 R98,712
Fixed rate, 3 to <5 yearsV122667746407,733412,851 R420,020 R428,590 R436,148
Fixed rate, 5 years and overV122667747265,044261,588 R257,769 R251,657 R244,165
  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 CANSIM2025‑052025‑062025‑072025‑082025‑09
Funds advanced
Total variable rate mortgages, TotalV12266774816,32415,03513,34012,83614,348
Closed non-convertible variable rate mortgagesV1226677497,9386,8706,1275,6636,343
Closed convertible variable rate mortgagesV1226677507,6727,4526,5036,5567,482
Open variable rate mortgagesV122667751713714710617524

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollarsCANSIM2025‑052025‑062025‑072025‑082025‑09
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775227,48928,787 R29,374 R27,84827,344
Personal loan plansV1226677534,9684,8055,0754,6734,514
Of which: Auto loansV1226677544,0603,8984,1553,8483,752
Personal lines of credit, securedV12266775516,16117,415 R17,626 R16,86416,298
Personal lines of credit, unsecuredV1226677564,2384,2374,3914,1324,312
Other personalV1226677572,1232,3292,2822,1792,221
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758632,519640,629644,719649,974656,214
Personal loan plansV122667759124,086124,430124,715124,935125,087
Of which: Auto loansV122667760110,183110,482110,798111,069111,262
Credit card loansV122667761101,153102,843102,497103,668104,854
Personal lines of credit, securedV122667762316,152320,977325,247329,103333,255
Personal lines of credit, unsecuredV12266776372,02172,59172,82173,00673,519
Other personalV12266776419,10619,78819,43919,26319,498

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2025‑052025‑062025‑072025‑082025‑09
Funds advanced
Business loans, TotalV122667765166,193175,868172,144 R153,011164,916
non-mortgage loans
To regulated non-bank financial institutionsV1226677667,1707,3637,0536,7236,663
Lease receivablesV122667767658642725546737
Loans to individuals and others for business purposesV122667768152,460162,535158,898 R141,409152,231
mortgage loans
Non-residential mortgagesV1226677692,6762,4212,7421,9432,668
Outstanding balances
Business loans, TotalV122667770885,846898,728 R900,030 R897,221 R898,800
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,49717,06116,93817,00616,764
Lease receivablesV12266777218,98219,08719,13219,12617,512
Loans to individuals and others for business purposesV122667773666,910680,073676,207673,862677,687
mortgage loans
Non-residential mortgagesV12266777492,47792,42693,26193,52593,892
  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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