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 CANSIM2025‑072025‑082025‑092025‑102025‑11
Funds advanced
Residential mortgages, insured, TotalV12266772410,97911,13410,26411,3759,232
Variable rateV1226677251,787 R1,766 R1,878 R2,788 R3,025
Fixed rate, <1 yearV122667726621587660614528
Fixed rate, 1 to <3 yearsV122667727691708664668524
Fixed rate, 3 to <5 yearsV1226677283,8094,3134,4294,7073,316
Fixed rate, 5 years and overV1226677294,0843,7822,6472,6181,860
Residential mortgages, uninsured, TotalV12266773039,59839,46937,30244,07941,223
Variable rateV12266773111,09410,49711,84317,49218,832
Fixed rate, <1 yearV1226677321,9381,8451,9572,0461,818
Fixed rate, 1 to <3 yearsV1226677335,1815,0724,6405,1004,494
Fixed rate, 3 to <5 yearsV12266773415,83817,25215,55416,51813,033
Fixed rate, 5 years and overV1226677355,5474,8043,3082,9243,046
Outstanding balances
Residential mortgages, insured, TotalV122667736375,775377,228376,488377,591377,370
Variable rateV12266773771,30771,80472,38974,31876,610
Fixed rate, <1 yearV1226677386,5046,6176,7716,5866,408
Fixed rate, 1 to <3 yearsV12266773919,32819,28219,08019,18818,959
Fixed rate, 3 to <5 yearsV122667740102,229104,885107,364109,885111,134
Fixed rate, 5 years and overV122667741176,408174,640170,883167,614164,258
Residential mortgages, uninsured, TotalV1226677421,224,8491,229,0821,233,0451,237,0301,240,431
Variable rateV122667743428,668431,621436,421445,846457,156
Fixed rate, <1 yearV12266774423,81523,97724,29024,03623,856
Fixed rate, 1 to <3 yearsV122667745100,85799,51698,17996,95194,702
Fixed rate, 3 to <5 yearsV122667746417,171425,711433,235439,337442,313
Fixed rate, 5 years and overV122667747254,338248,257240,919230,860222,404
  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 CANSIM2025‑072025‑082025‑092025‑102025‑11
Funds advanced
Total variable rate mortgages, TotalV12266774813,20812,69314,17020,49122,077
Closed non-convertible variable rate mortgagesV1226677496,1275,6636,3438,9869,978
Closed convertible variable rate mortgagesV1226677506,3986,4357,33710,97611,640
Open variable rate mortgagesV122667751683594490529459

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollarsCANSIM2025‑072025‑082025‑092025‑102025‑11
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775229,35927,83127,31929,25626,296
Personal loan plansV1226677535,0664,6624,4954,8824,136
Of which: Auto loansV1226677544,1473,8383,7414,1233,421
Personal lines of credit, securedV12266775517,62216,85916,29317,87216,191
Personal lines of credit, unsecuredV1226677564,3904,1314,3104,1393,710
Other personalV1226677572,2822,1792,2212,3642,259
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758643,508648,765654,989658,278663,715
Personal loan plansV122667759124,422124,636124,776124,935125,001
Of which: Auto loansV122667760110,553110,817111,004111,252111,359
Credit card loansV122667761102,497103,668104,854103,902105,200
Personal lines of credit, securedV122667762324,475328,339332,490336,616340,508
Personal lines of credit, unsecuredV12266776372,67572,86073,37173,31173,249
Other personalV12266776419,43919,26319,49819,51419,758

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2025‑072025‑082025‑092025‑102025‑11
Funds advanced
Business loans, TotalV122667765171,847152,667164,637174,082159,341
non-mortgage loans
To regulated non-bank financial institutionsV1226677667,0536,7236,6636,4856,431
Lease receivablesV122667767706527824748767
Loans to individuals and others for business purposesV122667768158,881141,389152,273161,133146,921
mortgage loans
Non-residential mortgagesV1226677692,6281,8542,4313,2292,634
Outstanding balances
Business loans, TotalV122667770893,469890,592896,416897,068899,660
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,93817,00616,76416,85516,860
Lease receivablesV12266777218,20518,20418,47917,66917,719
Loans to individuals and others for business purposesV122667773675,779673,430679,600679,367681,441
mortgage loans
Non-residential mortgagesV12266777489,97690,25490,58291,43892,673
  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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