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

Our Valet API is designed to help you integrate your applications and processes with our data. For details, please see our documentation.

Mortgages1

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2025‑062025‑072025‑082025‑092025‑10
Funds advanced
Residential mortgages, insured, TotalV12266772410,96311,02011,17610,30311,412
Variable rateV1226677251,9821,7871,7661,8782,788
Fixed rate, <1 yearV122667726660621587660614
Fixed rate, 1 to <3 yearsV122667727642691709664668
Fixed rate, 3 to <5 yearsV1226677283,2853,8114,3174,4304,711
Fixed rate, 5 years and overV1226677294,3934,1103,7982,6712,632
Residential mortgages, uninsured, TotalV12266773040,66539,88239,775 R37,62544,452
Variable rateV12266773112,80711,21310,61912,00817,707
Fixed rate, <1 yearV1226677321,9441,9391,8521,9632,047
Fixed rate, 1 to <3 yearsV1226677334,9105,1995,0974,6535,117
Fixed rate, 3 to <5 yearsV12266773415,01215,91617,34815,647 R16,603
Fixed rate, 5 years and overV1226677355,9935,6144,859 R3,3552,978
Outstanding balances
Residential mortgages, insured, TotalV122667736381,015377,123378,556377,809378,898
Variable rateV12266773771,20671,60572,10572,69774,642
Fixed rate, <1 yearV1226677386,4126,5056,6176,7716,586
Fixed rate, 1 to <3 yearsV12266773919,80519,33419,28919,08719,198
Fixed rate, 3 to <5 yearsV122667740104,132102,354105,010107,489110,008
Fixed rate, 5 years and overV122667741179,459177,325175,535171,764168,464
Residential mortgages, uninsured, TotalV1226677421,230,4441,235,1991,239,4301,243,3841,247,378
Variable rateV122667743428,606432,183435,131440,047449,587
Fixed rate, <1 yearV12266774423,66523,82823,99324,31224,071
Fixed rate, 1 to <3 yearsV122667745103,734101,400100,05898,71297,457
Fixed rate, 3 to <5 yearsV122667746412,851420,020428,590436,148442,239
Fixed rate, 5 years and overV122667747261,588257,769251,657244,165234,024
  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 CANSIM2025‑062025‑072025‑082025‑092025‑10
Funds advanced
Total variable rate mortgages, TotalV12266774815,03513,34012,83614,34820,727
Closed non-convertible variable rate mortgagesV1226677496,8706,1275,6636,3438,986
Closed convertible variable rate mortgagesV1226677507,4526,5036,5567,48211,179
Open variable rate mortgagesV122667751714710617524561

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollarsCANSIM2025‑062025‑072025‑082025‑092025‑10
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775228,78729,37427,84827,34429,287
Personal loan plansV1226677534,8055,0754,6734,5144,908
Of which: Auto loansV1226677543,8984,1553,8483,7524,132
Personal lines of credit, securedV12266775517,41517,62616,86416,29817,876
Personal lines of credit, unsecuredV1226677564,2374,3914,1324,3124,140
Other personalV1226677572,3292,2822,1792,2212,364
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758640,629644,719649,974656,214659,514
Personal loan plansV122667759124,430124,715124,935125,087125,265
Of which: Auto loansV122667760110,482110,798111,069111,262111,514
Credit card loansV122667761102,843102,497103,668104,854103,902
Personal lines of credit, securedV122667762320,977325,247329,103333,255337,378
Personal lines of credit, unsecuredV12266776372,59172,82173,00673,51973,454
Other personalV12266776419,78819,43919,26319,49819,514

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2025‑062025‑072025‑082025‑092025‑10
Funds advanced
Business loans, TotalV122667765175,868172,144153,011165,080 R174,368
non-mortgage loans
To regulated non-bank financial institutionsV1226677667,3637,0536,7236,6636,485
Lease receivablesV122667767642725546842 R769
Loans to individuals and others for business purposesV122667768162,535158,898141,409152,291 R161,144
mortgage loans
Non-residential mortgagesV1226677692,4212,7421,9432,6683,366
Outstanding balances
Business loans, TotalV122667770898,728900,030897,221903,023 R903,680
non-mortgage loans
To regulated non-bank financial institutionsV12266777117,06116,93817,00616,76416,855
Lease receivablesV12266777219,08719,13219,12619,394 R18,583
Loans to individuals and others for business purposesV122667773680,073676,207673,862680,027 R679,788
mortgage loans
Non-residential mortgagesV12266777492,42693,26193,52593,89294,759
  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.

Share this page on Facebook
Share this page on X
Share this page on X
Share this page on LinkedIn
Share this page on LinkedIn Share this page by email