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Earthquake Exposure Sound Practices - Letter (2013)
… the description of best practices in earthquake exposure management; Increase OSFI’s flexibility in the collection of … together with the earthquake exposure risk management policy, prior to January 1, 2014. When a … also file an approved copy of its earthquake exposure risk management policy with its designated OSFI Relationship …
Commercial Lending Criteria
… Process The Office expects companies to follow sound risk management practices in the context of commercial lending … capital position, a consistently sound record of credit management based on a significant volume of commercial … their commercial lending business plan, their credit risk management programs, their credit granting and monitoring …
Summary of stakeholder comments on the Internal Liquidity Adequacy Assessment Process (ILAAP) Discussion Paper
… already provide expectations for robust liquidity management, reporting, and controls. While the draft ILAAP … them with clear expectations on intraday liquidity risk management. They are wary of any more prescriptive … They would prefer to set their own buffers that consider management actions and their internal risk appetite. …
2026 Life Insurance Capital Adequacy Test - Filing Instructions
… page. Original Signatures The Attestation of Senior Management on the Attestation page of the LCQ Return should … Repurchase Agreements / Securities Lending Grand Total Cash resources $75,000 - no data - no data $3,100 - no data … if the liabilities are positive (representing cash-out-flow from the insurer's perspective); or negative if the …
OSFI launches consultation on fiat-referenced crypto-asset arrangements and activities
… will help inform OSFI’s potential development of risk management expectations for FRFIs that engage in activities … to a fiat currency and backed at least one-for-one by cash and cash equivalents, issued as a liability of a financial …
Non Mortgage Loans (A2)
… in this return conforms with the definitions of financial flow sector accounts detailed in the attached Definition of Financial Flow Sectors. This concept is also used in the Securities … it and charges costs of production against revenue, management of the institution is relatively autonomous. Not …
Assessment of Regulatory Capital Models for Deposit-Taking Institutions
… of the model's integration into the institutions' risk management practices. Operations: an assessment of the … and/or the Guideline E-23 "Enterprise-Wide Model Risk Management for Deposit-Taking Institutions". These four … – the capital model is relevant to risk measurement and management of the risks in the business (i.e. fit for …
Pillar 3 Disclosure Guideline for Small and Medium-Sized Deposit-Taking Institutions (SMSBs) (2025)
… practices covering their financial condition and risk management activities that are at a level of detail … facilitating the transparency of SMSBs’ risks and risk management, and the level of resources required of SMSBs to … be described, together with the corresponding responses by management. The level of detail of such disclosure should be …
Perspectives on the Industry from the New Superintendent
… Remarks by Superintendent Peter Routledge, OSFI Risk Management Webcast for Deposit-Taking Institutions CHECK … for that introduction. Welcome everyone to our OSFI Risk Management Webcast for Deposit-Taking Institutions. For those … at hand today is a very important and topical one. Risk management, of course, has long been a cornerstone of our …
OSFI issues final Guideline B-15 and responds to consultation feedback
… (OSFI) publishes final Guideline B-15 – Climate Risk Management , and its responses to draft Guideline B-15 … Guideline B-15 sets out expectations for the sound management of climate-related risks for federally regulated … a questionnaire to FRFIs to report on their climate risk management readiness. Letter Banks Life Insurance and …
Consultation on international recommendations related to, and risks posed by, fiat-referenced cryptoasset arrangements and activities
… Date: April 17, 2023 This letter seeks to consult on the management of risks associated with single fiat-referenced … a single fiat currency and backed at least one-for-one by cash and cash equivalents, or issued as a liability of a financial …
Derivatives Sound Practices – Letter (2015)
… also reflects current practices with respect to the risk management of derivatives activities. OSFI expects that the sophistication of an institution’s risk management practices and measurement techniques will depend … risk. OSFI agrees and the change had been made. Risk Management – P. 5 Greater clarity was requested with respect …
Guide to Intervention for Federally Regulated Deposit-Taking Institutions (DTI)
… independent challenge, advice, and guidance to senior management on crisis management policies. The board also … extending the survival horizon of the net cumulative cash flow OSFI often uses supervisory influence, or moral suasion, …
Pillar 3 Disclosure Guideline for Domestic Systemically Important Banks (D-SIBs) (2025)
… practices covering their financial condition and risk management activities that are among the best of their … be described, together with the corresponding responses by management. [Basel Framework, DIS 10.15] Disclosures should … be sufficiently flexible. They should reflect how senior management and the board of directors internally assess and …
Letter to Industry – We are Updating Guideline B-15 for the Final CSSB Standards
… financial institutions in Guideline B-15 : Climate Risk Management. The updates reflect our commitment to ensuring … for on-balance sheet and off-balance sheet assets under management setting the implementation date to disclose Scope … for the off-balance sheet component of assets under management to fiscal year 2029 We will include these updates …