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.

Monthly Series


Month-end, Millions of dollars CANSIM2021‑112021‑122022‑012022‑022022‑03
Funds advanced
Residential mortgages, insured, TotalV1226677247,4996,1915,3305,6717,152
Variable rateV1226677252,5152,2112,0952,0482,692
Fixed rate, <1 yearV122667726390321275256291
Fixed rate, 1 to <3 yearsV122667727568463429501578
Fixed rate, 3 to <5 yearsV1226677289947666498011,016
Fixed rate, 5 years and overV1226677293,0322,4291,8822,0662,574
Residential mortgages, uninsured, TotalV12266773036,49332,55529,80829,97737,119
Variable rateV12266773120,52618,90317,90317,57421,898
Fixed rate, <1 yearV122667732844740654604716
Fixed rate, 1 to <3 yearsV1226677333,1472,9062,689 R2,7533,532
Fixed rate, 3 to <5 yearsV1226677344,3463,5342,9973,3754,340
Fixed rate, 5 years and overV1226677357,6316,4725,5655,6716,633
Outstanding balances
Residential mortgages, insured, TotalV122667736420,878418,307415,496413,018409,411
Variable rateV12266773771,29772,95774,00074,98376,110
Fixed rate, <1 yearV1226677383,5623,4363,2873,1363,012
Fixed rate, 1 to <3 yearsV12266773916,60816,06215,63015,19314,804
Fixed rate, 3 to <5 yearsV12266774074,53173,37072,17470,99669,647
Fixed rate, 5 years and overV122667741254,879252,483250,404248,709245,838
Residential mortgages, uninsured, TotalV122667742948,974960,224970,351979,757992,112
Variable rateV122667743300,962314,375327,294339,543354,811
Fixed rate, <1 yearV1226677444,6774,6504,6344,5144,448
Fixed rate, 1 to <3 yearsV12266774555,69055,81855,88555,75956,037
Fixed rate, 3 to <5 yearsV122667746194,935194,112192,871191,828190,912
Fixed rate, 5 years and overV122667747392,710391,269389,667388,113385,903
  1. 1. As of January 2019, insured and uninsured residential mortgages exclude residential mortgages to the corporate sector.[]

Residential variable rate mortgages

Month-end, Millions of dollars CANSIM2021‑112021‑122022‑012022‑022022‑03
Funds advanced
Total variable rate mortgages, TotalV12266774823,20721,26420,13719,75924,795
Closed non-convertible variable rate mortgagesV12266774911,19110,1779,94010,12412,849
Closed convertible variable rate mortgagesV12266775010,96510,2939,4558,93411,159
Open variable rate mortgagesV1226677511,052794742702788

Consumer credit

Month-end, Millions of dollars CANSIM2021‑112021‑122022‑012022‑022022‑03
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775222,92221,85920,06520,87724,914
Personal loan plansV1226677534,2063,6503,3893,7984,773
Of which: Auto loansV1226677543,0642,7412,4372,7463,683
Personal lines of credit, securedV12266775513,19612,78711,63611,89514,268
Personal lines of credit, unsecuredV1226677563,4813,5163,2283,5293,751
Other personalV1226677572,0401,9071,8121,6552,122
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758530,578533,167532,662535,492539,481
Personal loan plansV122667759111,617111,150110,793111,145111,586
Of which: Auto loansV12266776095,43695,13194,74294,66694,986
Credit card loansV12266776171,36772,77771,68571,21571,481
Personal lines of credit, securedV122667762279,370280,727281,579284,161286,954
Personal lines of credit, unsecuredV12266776351,00751,13051,05851,51551,550
Other personalV12266776417,21817,38317,54617,45517,910

Credit extended to corporate sector2

Month-end, Millions of dollars CANSIM2021‑112021‑122022‑012022‑022022‑03
Funds advanced
Business loans, TotalV122667765104,253113,62499,45896,814 R119,642
non-mortgage loans
To regulated non-bank financial institutionsV1226677662,7863,2692,9453,0073,386
Lease receivablesV122667767704805608666835
Loans to individuals and others for business purposesV12266776894,604103,24191,22187,834109,107
mortgage loans
Non-residential mortgagesV1226677693,1263,3152,4182,6062,836
Outstanding balances
Business loans, TotalV122667770595,370605,784611,963620,444638,869
non-mortgage loans
To regulated non-bank financial institutionsV12266777110,20810,28910,30310,70210,903
Lease receivablesV12266777216,95117,04117,02317,03217,758
Loans to individuals and others for business purposesV122667773385,554393,984399,331405,846421,660
mortgage loans
Non-residential mortgagesV12266777490,96391,84692,29993,12093,411
  1. 2. As of January 2019, Total business loans exclude non-residential mortgages to the personal sector.[]


Source: Bank of Canada

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.