Canadian banking sector statistics
Chartered bank lending outstanding and interest rates from the Bank of Canada, plus OSFI industry balance-sheet totals. Sources: Bank of Canada Valet · OSFI Open Government
Business loan rate
Lending rates · %
4.40
+0.06 (1.38%) · 2026-07-01
Source: Bank of Canada Valet API
Bank of Canada — chartered bank indicators
Lending outstanding
Residential mortgages outstanding (insured)
378,001.00
2026-07-01 · -159.00
Lending outstanding
Residential mortgages outstanding (uninsured)
1,254,149.00
2026-07-01 · +1,388.00
Lending outstanding
Variable rate mortgages outstanding (insured + uninsured)
87,676.00
2026-07-01 · +1,323.00
Lending outstanding
Consumer credit outstanding
704,582.00
2026-07-01 · +6,057.00
Lending outstanding
Business loans outstanding
941,538.00
2026-07-01 · +4,184.00
Lending rates
Residential mortgage rate (insured, 5yr fixed)
4.05
2026-07-01 · +0.04
Lending rates
Residential mortgage rate (uninsured, 5yr fixed)
4.49
2026-07-01 · +0.14
Lending rates
Variable rate mortgage rate
3.86
2026-07-01 · -0.04
Lending rates
Consumer credit rate
5.82
2026-07-01 · +0.04
Lending rates
Business loan rate
4.40
2026-07-01 · +0.06
OSFI — industry balance sheet totals
Consolidated M4 total assets (CAD). Per OSFI, industry totals = domestic + foreign subsidiaries + foreign branches.
All Banks
Total All Banks
10,015,397,756
2026-07-31 · -536,988,031
Domestic Banks
Total Domestic Banks
9,794,926,030
2026-07-31 · -523,760,963