"TERMS AND CONDITIONS" "https://www.bankofcanada.ca/terms/" "NAME" "Business Outlook Survey—data by region (four quarter moving averages) - Credit conditions" "DESCRIPTION" "Regions are identified by province or defined as follows: the Atlantic region includes Newfoundland and Labrador, Prince Edward Island, Nova Scotia and New Brunswick; the Prairies region includes Manitoba, Saskatchewan, Alberta, Nunavut and the Northwest Territories; and the British Columbia region includes the province of British Columbia and the territory of Yukon. Because the responses are presented here as four-quarter moving averages, these charts may not show the same movements as the aggregate BOS data published each quarter." "LINK" "https://www.bankofcanada.ca/?p=217702" "SERIES" "id","label","description" "BOS_FIN_AT","Atlantic region","Credit conditions, four-quarter moving average - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "BOS_FIN_QC","Quebec","Credit conditions, four-quarter moving average - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "BOS_FIN_ON","Ontario","Credit conditions, four-quarter moving average - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "BOS_FIN_PR","Prairies region","Credit conditions, four-quarter moving average - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "BOS_FIN_BC","British Columbia","Credit conditions, four-quarter moving average - Over the past 3 months, how have the terms and conditions for obtaining financing changed (compared with the previous 3 months)?" "OBSERVATIONS" "date","BOS_FIN_AT","BOS_FIN_QC","BOS_FIN_ON","BOS_FIN_PR","BOS_FIN_BC" "2004Q1","-27.01","2.56","-4.52","-2.98","-9.91" "2004Q2","-21.65","-0.07","-11.63","-9.85","-15.27" "2004Q3","-8.63","-1.39","-6.74","-9.66","-19.57" "2004Q4","-10.72","-7.12","-6.74","-21.67","-12.80" "2005Q1","-14.20","-6.25","-7.15","-23.06","-9.93" "2005Q2","-24.32","-6.25","-5.68","-30.96","-11.27" "2005Q3","-24.54","-10.42","-12.24","-41.33","-11.58" "2005Q4","-15.17","-5.52","-8.91","-40.50","-8.35" "2006Q1","-17.09","0.64","-3.14","-36.49","-5.96" "2006Q2","-12.92","5.05","1.46","-39.05","-1.17" "2006Q3","-14.71","12.34","0.69","-39.71","-2.40" "2006Q4","-9.80","4.32","-4.21","-33.46","-5.73" "2007Q1","-10.96","-1.84","-7.78","-41.23","-4.17" "2007Q2","-13.93","-2.08","-10.91","-41.00","-10.00" "2007Q3","2.14","-1.88","2.68","-17.79","-7.62" "2007Q4","12.86","2.81","6.16","1.62","-3.87" "2008Q1","17.86","11.35","11.40","28.13","-0.03" "2008Q2","25.00","4.91","19.74","46.61","4.14" "2008Q3","15.00","9.39","21.54","49.13","9.77" "2008Q4","14.04","15.27","41.68","50.97","25.55" "2009Q1","26.54","22.53","43.27","48.42","28.37" "2009Q2","30.38","28.75","36.25","43.03","32.78" "2009Q3","22.11","14.27","29.41","32.74","28.94" "2009Q4","8.30","9.78","6.22","5.97","9.30" "2010Q1","-6.28","0.59","4.27","-10.04","2.63" "2010Q2","-11.91","-6.13","0.46","-16.02","-1.79" "2010Q3","-12.96","-1.03","-6.49","-21.59","-8.04" "2010Q4","-19.61","-10.23","-6.44","-9.82","-7.92" "2011Q1","-24.35","-15.28","-8.84","-7.05","-5.14" "2011Q2","-24.35","-16.45","-12.59","-13.74","-10.91" "2011Q3","-19.45","-17.83","-12.77","-12.43","-9.35" "2011Q4","-14.69","-8.54","-7.74","-11.18","-5.41" "2012Q1","-11.72","-6.98","-12.90","-16.73","-15.88" "2012Q2","-12.02","1.38","-5.61","-5.62","-4.34" "2012Q3","-15.10","-1.24","-2.30","-5.97","0.35" "2012Q4","-9.14","-6.65","-7.29","-8.54","-5.77" "2013Q1","-1.97","-5.09","1.04","-5.76","7.28" "2013Q2","-3.46","-9.50","1.04","-5.76","1.51" "2013Q3","6.09","-8.71","2.08","-1.32","1.51" "2013Q4","2.52","-4.76","9.94","-3.95","6.92" "2014Q1","-5.36","-1.99","5.86","-5.34","-1.56" "2014Q2","-7.56","-6.40","-3.08","-15.06","-5.73" "2014Q3","-10.18","-2.95","-6.34","-22.84","-10.42" "2014Q4","-10.32","-2.95","-14.29","-17.58","-15.31" "2015Q1","-14.70","-8.51","-14.47","-14.66","-12.19" "2015Q2","-10.60","-10.67","-6.57","-6.13","-11.59" "2015Q3","-14.30","-8.04","-2.00","3.88","-5.34" "2015Q4","-12.38","-6.48","-6.42","2.56","-0.34" "2016Q1","-3.45","-0.76","-2.07","15.06","-0.34" "2016Q2","-7.14","4.26","-9.67","18.63","6.80" "2016Q3","-7.14","0.31","-14.99","10.85","11.49" "2016Q4","-10.48","-1.26","-14.70","15.62","11.21" "2017Q1","-14.05","-4.20","-16.87","3.18","12.78" "2017Q2","-12.02","-2.63","-12.04","1.99","12.33" "2017Q3","-17.93","0.00","-8.04","11.01","9.02" "2017Q4","-19.60","-1.39","-6.11","8.75","9.19" "2018Q1","-14.36","-1.39","-3.73","14.70","9.19" "2018Q2","-11.03","0.08","-3.89","16.01","-1.75" "2018Q3","-10.00","0.08","-3.89","12.40","-2.90" "2018Q4","-3.08","2.79","-0.56","16.15","0.22" "2019Q1","-11.89","-1.38","-7.35","16.15","-1.34" "2019Q2","-18.56","-2.85","-5.41","11.01","7.86" "2019Q3","-11.89","-7.85","-8.41","14.96","1.39" "2019Q4","-10.24","-16.31","-10.91","13.47","-7.25" "2020Q1","-7.26","-13.61","-13.02","10.03","-5.86" "2020Q2","4.41","-23.61","-8.02","17.66","9.01" "2020Q3","8.25","-18.61","-10.46","7.51","3.69" "2020Q4","4.68","-17.72","-9.96","-2.52","4.70" "2021Q1","5.27","-17.81","-5.71","-14.13","0.37" "2021Q2","0.27","-11.15","-13.28","-25.01","-19.01" "2021Q3","-8.93","-17.81","-6.85","-26.20","-10.57" "2021Q4","-12.26","-12.95","-1.72","-19.69","-6.38" "2022Q1","-8.69","-14.33","1.94","-2.25","-3.44" "2022Q2","-5.12","-7.43","11.47","6.57","2.81" "2022Q3","2.03","8.97","15.47","8.70","5.63" "2022Q4","11.13","17.30","17.34","16.20","10.96" "2023Q1","7.56","21.91","21.91","10.37","16.51" "2023Q2","11.68","36.19","27.49","9.93","9.81" "2023Q3","17.03","31.47","29.99","19.71","14.81" "2023Q4","16.26","30.30","33.74","22.80","12.18"