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

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Mortgages1

Month-end, Millions of dollars CANSIM2025‑032025‑042025‑052025‑062025‑07
Funds advanced
Residential mortgages, insured, TotalV1226677247,9158,5479,85110,96311,020
Variable rateV1226677252,3672,3992,1421,9821,786
Fixed rate, <1 yearV122667726592567553660621
Fixed rate, 1 to <3 yearsV122667727457481527642691
Fixed rate, 3 to <5 yearsV1226677282,6962,5612,8173,2853,811
Fixed rate, 5 years and overV1226677291,8032,5393,8124,3934,111
Residential mortgages, uninsured, TotalV12266773036,52738,92840,16240,66539,882
Variable rateV12266773116,76816,73813,90312,80711,214
Fixed rate, <1 yearV1226677321,7861,7511,6551,9441,939
Fixed rate, 1 to <3 yearsV1226677334,0274,0894,4634,9105,199
Fixed rate, 3 to <5 yearsV12266773411,05912,13614,39415,01115,916
Fixed rate, 5 years and overV1226677352,8874,2145,7485,9935,614
Outstanding balances
Residential mortgages, insured, TotalV122667736382,018381,207381,565381,015377,124
Variable rateV12266773768,12869,54070,50371,20671,605
Fixed rate, <1 yearV1226677385,9505,9565,9386,4126,504
Fixed rate, 1 to <3 yearsV12266773922,00021,09320,21419,79919,329
Fixed rate, 3 to <5 yearsV12266774099,061100,268101,629104,130102,353
Fixed rate, 5 years and overV122667741186,879184,350183,282179,467177,333
Residential mortgages, uninsured, TotalV1226677421,220,9441,224,5091,227,7901,230,4981,235,253
Variable rateV122667743408,100418,073424,366428,606432,183
Fixed rate, <1 yearV12266774422,73422,83123,00123,66423,827
Fixed rate, 1 to <3 yearsV122667745118,044112,778107,645103,744101,411
Fixed rate, 3 to <5 yearsV122667746399,078402,176407,733412,859 R420,028
Fixed rate, 5 years and overV122667747272,988268,652265,044261,624257,804
  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 CANSIM2025‑032025‑042025‑052025‑062025‑07
Funds advanced
Total variable rate mortgages, TotalV12266774819,38519,56716,324 R15,03513,340
Closed non-convertible variable rate mortgagesV1226677498,8869,6727,9386,8706,127
Closed convertible variable rate mortgagesV1226677509,8319,0907,6727,4526,503
Open variable rate mortgagesV122667751668805713 R714710

Consumer credit

Month-end, Millions of dollarsCANSIM2025‑032025‑042025‑052025‑062025‑07
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775224,45827,38727,48928,78929,376
Personal loan plansV1226677534,6014,7734,9684,8055,075
Of which: Auto loansV1226677543,8253,9994,0603,8984,155
Personal lines of credit, securedV12266775513,45615,71016,16117,41717,628
Personal lines of credit, unsecuredV1226677564,2964,4114,2384,2374,391
Other personalV1226677572,1052,4932,1232,3292,282
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758623,618629,112632,519640,629644,719
Personal loan plansV122667759123,649123,855124,086124,430124,715
Of which: Auto loansV122667760109,795109,996110,183110,482110,798
Credit card loansV122667761100,169100,477101,153102,843102,497
Personal lines of credit, securedV122667762308,938312,977316,152320,977325,247
Personal lines of credit, unsecuredV12266776371,83172,27572,02172,59172,821
Other personalV12266776419,03119,52819,10619,78819,439

Credit extended to corporate sector2

Month-end, Millions of dollars CANSIM2025‑032025‑042025‑052025‑062025‑07
Funds advanced
Business loans, TotalV122667765165,642166,467166,193175,868172,143
non-mortgage loans
To regulated non-bank financial institutionsV1226677666,1086,5387,1707,3637,053
Lease receivablesV122667767770761658642725
Loans to individuals and others for business purposesV122667768154,136153,686152,460162,535158,897
mortgage loans
Non-residential mortgagesV1226677692,3222,7922,676 R2,4212,742
Outstanding balances
Business loans, TotalV122667770875,759883,772885,846898,675899,977
non-mortgage loans
To regulated non-bank financial institutionsV12266777115,56216,11416,49717,06116,938
Lease receivablesV12266777218,86718,90518,98219,08719,132
Loans to individuals and others for business purposesV122667773660,424666,442666,910680,073676,207
mortgage loans
Non-residential mortgagesV12266777491,41391,91192,47792,42693,261
  1. 2. As of January 2019, Total business loans exclude non-residential mortgages to the personal sector.[]

Notes

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.