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 CANSIM2024‑102024‑112024‑122025‑012025‑02
Funds advanced
Residential mortgages, insured, TotalV1226677247,7927,9267,2967,0767,229
Variable rateV1226677258951,2311,2231,7722,040
Fixed rate, <1 yearV122667726699586544496518
Fixed rate, 1 to <3 yearsV122667727872783623525519
Fixed rate, 3 to <5 yearsV1226677283,5753,4833,0502,8202,537
Fixed rate, 5 years and overV1226677291,7511,8431,8561,4631,614
Residential mortgages, uninsured, TotalV12266773035,64636,76335,42837,35335,495
Variable rateV1226677317,46810,02611,09615,15016,083
Fixed rate, <1 yearV1226677322,4182,1092,0181,9051,742
Fixed rate, 1 to <3 yearsV1226677335,8055,1464,2744,7594,214
Fixed rate, 3 to <5 yearsV12266773417,14516,72715,34512,93010,932
Fixed rate, 5 years and overV1226677352,8092,7542,6952,6092,525
Outstanding balances
Residential mortgages, insured, TotalV122667736382,480382,120381,247384,173383,336
Variable rateV12266773760,88261,67362,53364,81666,423
Fixed rate, <1 yearV1226677384,4624,4134,6465,7445,879
Fixed rate, 1 to <3 yearsV12266773924,61724,14723,34723,57622,688
Fixed rate, 3 to <5 yearsV12266774091,76094,06495,88797,90298,391
Fixed rate, 5 years and overV122667741200,759197,822194,834192,135189,954
Residential mortgages, uninsured, TotalV1226677421,182,5161,188,9321,193,7511,212,2141,214,794
Variable rateV122667743362,099365,772374,770385,025396,151
Fixed rate, <1 yearV12266774412,27512,30511,89922,80922,631
Fixed rate, 1 to <3 yearsV122667745135,699132,836128,985128,049122,740
Fixed rate, 3 to <5 yearsV122667746371,996383,121389,893393,742395,767
Fixed rate, 5 years and overV122667747300,448294,898288,204282,590277,504
  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 CANSIM2024‑102024‑112024‑122025‑012025‑02
Funds advanced
Total variable rate mortgages, TotalV1226677488,55911,51112,51717,19818,398
Closed non-convertible variable rate mortgagesV1226677493,7685,1655,4068,3238,963
Closed convertible variable rate mortgagesV1226677504,3965,8546,6718,3458,887
Open variable rate mortgagesV122667751395492439529548

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑102024‑112024‑122025‑012025‑02
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775225,74323,17824,29522,93321,591
Personal loan plansV1226677535,1584,4024,0134,0373,813
Of which: Auto loansV1226677544,3323,5783,3573,2643,030
Personal lines of credit, securedV12266775513,41812,50613,57512,18111,894
Personal lines of credit, unsecuredV1226677564,2823,9794,2774,2703,925
Other personalV1226677572,8852,2922,4292,4441,959
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758617,687618,935622,642619,059619,559
Personal loan plansV122667759123,046123,194123,085122,584122,383
Of which: Auto loansV122667760109,149109,288109,305108,816108,534
Credit card loansV12266776199,501100,669102,278100,25599,554
Personal lines of credit, securedV122667762304,807305,299306,401305,978307,100
Personal lines of credit, unsecuredV12266776370,98270,98371,50471,27071,674
Other personalV12266776419,35118,79119,37418,97118,847

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑102024‑112024‑122025‑012025‑02
Funds advanced
Business loans, TotalV122667765201,100181,252169,698156,907153,127
non-mortgage loans
To regulated non-bank financial institutionsV1226677667,0076,5476,8846,4846,097
Lease receivablesV122667767745659782588545
Loans to individuals and others for business purposesV122667768187,567168,486155,456144,117140,613
mortgage loans
Non-residential mortgagesV1226677692,8583,0363,4783,1393,002
Outstanding balances
Business loans, TotalV122667770888,119895,507869,830867,722876,267
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,83816,99116,77515,95515,640
Lease receivablesV12266777218,45518,50418,60418,58518,779
Loans to individuals and others for business purposesV122667773664,987671,223644,458640,431647,399
mortgage loans
Non-residential mortgagesV122667774100,377101,298101,898103,865104,500
  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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