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 CANSIM2024‑082024‑092024‑102024‑112024‑12
Funds advanced
Residential mortgages, insured, TotalV1226677247,8466,7227,7927,9267,296
Variable rateV1226677254285928951,2311,223
Fixed rate, <1 yearV122667726652593699586544
Fixed rate, 1 to <3 yearsV122667727900754872783623
Fixed rate, 3 to <5 yearsV1226677283,9473,1353,5753,4833,050
Fixed rate, 5 years and overV1226677291,9181,6471,7511,8431,856
Residential mortgages, uninsured, TotalV12266773035,12029,65635,64636,76335,417
Variable rateV1226677314,0284,7037,46810,02611,096
Fixed rate, <1 yearV1226677322,0971,9332,4182,1212,018
Fixed rate, 1 to <3 yearsV1226677335,8405,0795,8055,1344,274
Fixed rate, 3 to <5 yearsV12266773420,02015,38717,14516,72715,334
Fixed rate, 5 years and overV1226677353,1352,5532,8092,7552,695
Outstanding balances
Residential mortgages, insured, TotalV122667736382,092382,783382,480382,120381,247
Variable rateV12266773759,88960,37860,88261,67362,533
Fixed rate, <1 yearV1226677384,3474,3754,4624,4134,646
Fixed rate, 1 to <3 yearsV12266773924,96024,93824,61724,14723,347
Fixed rate, 3 to <5 yearsV12266774086,38089,07791,76094,06495,887
Fixed rate, 5 years and overV122667741206,515204,016200,759197,822194,834
Residential mortgages, uninsured, TotalV1226677421,172,0931,177,0181,182,5161,188,9321,193,751
Variable rateV122667743358,215358,935362,099365,772374,770
Fixed rate, <1 yearV12266774411,15711,64012,27512,30511,899
Fixed rate, 1 to <3 yearsV122667745138,841137,666135,699132,836128,985
Fixed rate, 3 to <5 yearsV122667746350,776361,160371,996383,121389,893
Fixed rate, 5 years and overV122667747313,103307,615300,448294,898288,204
  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 CANSIM2024‑082024‑092024‑102024‑112024‑12
Funds advanced
Total variable rate mortgages, TotalV1226677484,6045,4338,55911,51112,517
Closed non-convertible variable rate mortgagesV1226677492,2242,4343,7685,1655,406
Closed convertible variable rate mortgagesV1226677502,0882,6704,3965,8546,671
Open variable rate mortgagesV122667751293329395492439

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑082024‑092024‑102024‑112024‑12
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775224,90622,47525,74323,17824,295
Personal loan plansV1226677534,7644,4605,1584,4024,013
Of which: Auto loansV1226677543,8183,6764,3323,5783,357
Personal lines of credit, securedV12266775512,80811,38413,41812,50613,575
Personal lines of credit, unsecuredV1226677564,3814,0364,2823,9794,277
Other personalV1226677572,9542,5942,8852,2922,429
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758612,939615,861617,687618,935622,642
Personal loan plansV122667759122,100122,487123,046123,194123,085
Of which: Auto loansV122667760108,151108,566109,149109,288109,305
Credit card loansV12266776198,70999,73399,501100,669102,278
Personal lines of credit, securedV122667762302,556303,547304,807305,299306,401
Personal lines of credit, unsecuredV12266776370,32170,75970,98270,98371,504
Other personalV12266776419,25319,33619,35118,79119,374

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑082024‑092024‑102024‑112024‑12
Funds advanced
Business loans, TotalV122667765184,707185,016201,100181,252169,698
non-mortgage loans
To regulated non-bank financial institutionsV1226677666,5026,5127,0076,5476,884
Lease receivablesV122667767646665745659782
Loans to individuals and others for business purposesV122667768172,698173,663187,567168,486155,456
mortgage loans
Non-residential mortgagesV1226677692,6332,4242,8583,0363,478
Outstanding balances
Business loans, TotalV122667770884,999887,985888,119895,507869,831
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,37316,30916,83816,99116,775
Lease receivablesV12266777218,37818,38218,45518,50418,604
Loans to individuals and others for business purposesV122667773665,694667,832664,987671,223644,459
mortgage loans
Non-residential mortgagesV122667774100,17899,836100,377101,298101,899
  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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