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46 Results

November 28, 2017

Analysis of Household Vulnerabilities Using Loan-Level Mortgage Data

This report examines detailed data on home mortgages to provide a better understanding of the vulnerabilities associated with the mortgage market. The proportion of low-ratio mortgages is growing, particularly in regions with strong house price growth. Moreover, these borrowers exhibit less flexibility to adverse shocks, since they have high debt levels relative to income and have taken mortgages with long amortization periods.
November 1, 2017

Opening Statement before the Standing Senate Committee on Banking, Trade and Commerce

Opening statement Stephen S. Poloz Standing Senate Committee on Banking, Trade and Commerce Ottawa, Ontario
Good afternoon, Mr. Chairman and committee members. Senior Deputy Governor Wilkins and I are pleased to be back before you today to discuss the Bank’s Monetary Policy Report (MPR), which we published last week. When we were last here in April, we were celebrating the fact that we had upgraded our economic forecast following a […]
June 12, 2017

Canadian Economic Update: Strength in Diversity

Remarks Carolyn A. Wilkins The Associates of the Asper School of Business Winnipeg, Manitoba
Senior Deputy Governor Carolyn A. Wilkins talks about encouraging signs that growth is broadening across Canada’s regions and sectors.

Household Risk Assessment Model

Technical Report No. 106 Brian Peterson, Tom Roberts
Household debt can be an important source of vulnerability to the financial system. This technical report describes the Household Risk Assessment Model (HRAM) that has been developed at the Bank of Canada to stress test household balance sheets at the individual level.
Content Type(s): Staff research, Technical reports Research Topic(s): Financial stability, Housing, Sectoral balance sheet JEL Code(s): C, C0, C6, C63, C65, D, D0, D1, D14
May 6, 2016

Stress Prevention: Central Banks and Financial Stability

Remarks Lawrence L. Schembri Joint Workshop: Bank of Canada, International Monetary Fund, Centre for International Governance Innovation, and Peterson Institute for International Economics Ottawa, Ontario
Deputy Governor Lawrence Schembri discusses central banks and the maintenance of financial stability.
February 24, 2016

Connecting the Dots: Elevated Household Debt and the Risk to Financial Stability

Remarks Lawrence L. Schembri Guelph Chamber of Commerce Guelph, Ontario
Deputy Governor Lawrence Schembri discusses household debt, the risk it poses to financial stability and the role of the Bank of Canada.
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