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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 CANSIM2024‑022024‑032024‑042024‑052024‑06
Funds advanced
Residential mortgages, insured, TotalV1226677243,7714,6425,7196,9608,167
Variable rateV122667725308293260294366
Fixed rate, <1 yearV122667726388433493602823
Fixed rate, 1 to <3 yearsV1226677276968178828711,015
Fixed rate, 3 to <5 yearsV1226677281,2621,7832,5343,3113,948
Fixed rate, 5 years and overV1226677291,1161,3161,5491,8812,015
Residential mortgages, uninsured, TotalV12266773019,17421,57726,46730,88932,422
Variable rateV1226677313,1322,8962,7912,6793,147
Fixed rate, <1 yearV1226677321,3081,5301,7002,0412,309
Fixed rate, 1 to <3 yearsV1226677335,2935,4865,8735,9875,857
Fixed rate, 3 to <5 yearsV1226677347,7209,79613,91517,41018,195
Fixed rate, 5 years and overV1226677351,7201,8702,1872,7722,913
Outstanding balances
Residential mortgages, insured, TotalV122667736387,465386,521385,430385,975384,934
Variable rateV12266773761,54161,37560,72660,50561,039
Fixed rate, <1 yearV1226677384,4364,3594,4114,5704,549
Fixed rate, 1 to <3 yearsV12266773924,93624,88624,80324,74125,092
Fixed rate, 3 to <5 yearsV12266774074,81875,50377,18679,96580,570
Fixed rate, 5 years and overV122667741221,734220,398218,303216,194213,684
Residential mortgages, uninsured, TotalV1226677421,141,5571,144,9741,150,0331,156,0151,158,224
Variable rateV122667743367,296365,973364,223361,026361,382
Fixed rate, <1 yearV1226677449,4499,6989,97610,37210,439
Fixed rate, 1 to <3 yearsV122667745136,777138,094139,103139,816139,918
Fixed rate, 3 to <5 yearsV122667746285,232290,832299,545311,603322,478
Fixed rate, 5 years and overV122667747342,801340,378337,186333,198324,007
  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 CANSIM2024‑022024‑032024‑042024‑052024‑06
Funds advanced
Total variable rate mortgages, TotalV1226677483,4723,2073,0982,9963,698
Closed non-convertible variable rate mortgagesV1226677492,0621,8411,7161,6941,922
Closed convertible variable rate mortgagesV1226677501,1571,1071,1191,0041,401
Open variable rate mortgagesV122667751253259263298375

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑022024‑032024‑042024‑052024‑06
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775218,49718,83623,68624,01824,539
Personal loan plansV1226677533,7264,0054,7364,9194,625
Of which: Auto loansV1226677542,8823,2393,7903,8363,627
Personal lines of credit, securedV1226677558,9819,34612,08812,19013,144
Personal lines of credit, unsecuredV1226677563,8123,5084,2354,0234,180
Other personalV1226677571,9781,9772,6262,8862,591
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758596,944597,981601,885604,376608,724
Personal loan plansV122667759120,141120,283120,603121,071121,534
Of which: Auto loansV122667760102,891103,038103,329103,691107,476
Credit card loansV12266776193,52593,98094,72895,98397,424
Personal lines of credit, securedV122667762306,949307,460310,827311,536301,181
Personal lines of credit, unsecuredV12266776358,09657,92157,11356,93269,534
Other personalV12266776418,23318,33818,61418,85519,050

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑022024‑032024‑042024‑052024‑06
Funds advanced
Business loans, TotalV122667765148,330147,021197,507198,892220,251
non-mortgage loans
To regulated non-bank financial institutionsV1226677664,5924,9416,2035,5116,700
Lease receivablesV122667767633887745776841
Loans to individuals and others for business purposesV122667768138,624137,592186,100187,822207,122
mortgage loans
Non-residential mortgagesV1226677692,3852,0282,8012,5892,888
Outstanding balances
Business loans, TotalV122667770745,177758,002772,730804,476846,343
non-mortgage loans
To regulated non-bank financial institutionsV12266777112,74413,08313,85613,79614,863
Lease receivablesV12266777219,80419,75818,07518,11618,295
Loans to individuals and others for business purposesV122667773537,926550,851565,190595,772629,890
mortgage loans
Non-residential mortgagesV12266777498,05097,76998,22999,37399,362
  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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