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 CANSIM2024‑092024‑102024‑112024‑122025‑01
Funds advanced
Residential mortgages, insured, TotalV1226677246,7227,7927,9267,2967,076
Variable rateV1226677255928951,2311,2231,772
Fixed rate, <1 yearV122667726593699586544496
Fixed rate, 1 to <3 yearsV122667727754872783623525
Fixed rate, 3 to <5 yearsV1226677283,1353,5753,4833,0502,820
Fixed rate, 5 years and overV1226677291,6471,7511,8431,8561,463
Residential mortgages, uninsured, TotalV12266773029,65635,64636,76335,41737,353
Variable rateV1226677314,7037,46810,02611,09615,150
Fixed rate, <1 yearV1226677321,9332,4182,1092,0181,905
Fixed rate, 1 to <3 yearsV1226677335,0795,8055,1464,2744,759
Fixed rate, 3 to <5 yearsV12266773415,38717,14516,72715,33412,930
Fixed rate, 5 years and overV1226677352,5532,8092,7542,6952,609
Outstanding balances
Residential mortgages, insured, TotalV122667736382,783382,480382,120381,247384,173
Variable rateV12266773760,37860,88261,67362,53364,816
Fixed rate, <1 yearV1226677384,3754,4624,4134,6465,744
Fixed rate, 1 to <3 yearsV12266773924,93824,61724,14723,34723,576
Fixed rate, 3 to <5 yearsV12266774089,07791,76094,06495,88797,902
Fixed rate, 5 years and overV122667741204,016200,759197,822194,834192,135
Residential mortgages, uninsured, TotalV1226677421,177,0181,182,5161,188,9321,193,7511,212,214
Variable rateV122667743358,935362,099365,772374,770385,025
Fixed rate, <1 yearV12266774411,64012,27512,30511,89922,809
Fixed rate, 1 to <3 yearsV122667745137,666135,699132,836128,985128,049
Fixed rate, 3 to <5 yearsV122667746361,160371,996383,121389,893393,742
Fixed rate, 5 years and overV122667747307,615300,448294,898288,204282,590
  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 CANSIM2024‑092024‑102024‑112024‑122025‑01
Funds advanced
Total variable rate mortgages, TotalV1226677485,4338,55911,51112,51717,198
Closed non-convertible variable rate mortgagesV1226677492,4343,7685,1655,4068,323
Closed convertible variable rate mortgagesV1226677502,6704,3965,8546,6718,345
Open variable rate mortgagesV122667751329395492439529

Consumer credit

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑092024‑102024‑112024‑122025‑01
Funds advanced for non-mortgage loans
Consumer credit, TotalV12266775222,47525,74323,17824,29522,933
Personal loan plansV1226677534,4605,1584,4024,0134,037
Of which: Auto loansV1226677543,6764,3323,5783,3573,264
Personal lines of credit, securedV12266775511,38413,41812,50613,57512,181
Personal lines of credit, unsecuredV1226677564,0364,2823,9794,2774,270
Other personalV1226677572,5942,8852,2922,4292,444
Outstanding balances for non-mortgage loans
Consumer credit, TotalV122667758615,861617,687618,935622,642619,059
Personal loan plansV122667759122,487123,046123,194123,085122,584
Of which: Auto loansV122667760108,566109,149109,288109,305108,816
Credit card loansV12266776199,73399,501100,669102,278100,255
Personal lines of credit, securedV122667762303,547304,807305,299306,401305,978
Personal lines of credit, unsecuredV12266776370,75970,98270,98371,50471,270
Other personalV12266776419,33619,35118,79119,37418,971

Credit extended to corporate sector2

Data available as: CSV, JSON and XML

Month-end, Millions of dollars CANSIM2024‑092024‑102024‑112024‑122025‑01
Funds advanced
Business loans, TotalV122667765185,016201,100181,252169,698156,898
non-mortgage loans
To regulated non-bank financial institutionsV1226677666,5127,0076,5476,8846,484
Lease receivablesV122667767665745659782579
Loans to individuals and others for business purposesV122667768173,663187,567168,486155,456144,117
mortgage loans
Non-residential mortgagesV1226677692,4242,8583,0363,4783,139
Outstanding balances
Business loans, TotalV122667770887,985888,119895,507869,831867,722
non-mortgage loans
To regulated non-bank financial institutionsV12266777116,30916,83816,99116,77515,955
Lease receivablesV12266777218,38218,45518,50418,60418,585
Loans to individuals and others for business purposesV122667773667,832664,987671,223644,459640,431
mortgage loans
Non-residential mortgagesV12266777499,836100,377101,298101,899103,865
  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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