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OSFI maintains the Domestic Stability Buffer level at 2.50% - Letter (2022)
… In the context of increased uncertainty, OSFI expects that management and boards of directors exercise vigilance and heightened prudence in their capital management practices with a view to preserving capital. The …
Letter to industry – OSFI’s policy plan
… Instead, taking a narrower focus on board and senior management accountability, with a consultative document … in January 2026 to streamline and clarify credit risk management guidance across key lending areas. See our policy …
Capital Adequacy Requirements (CAR) – Guideline (2026)
… Implementation Notes for IRB Institutions Collateral Management Principles for IRB Institutions Oversight …
Substantial Investments - Appendix A.5
… investment diversification and professional investment management to the holders of their securities. In addition, … investment counselling services; providing portfolio management services; networking financial services; or acting … acting as real estate agent; specialized business management or advisory services, including acting as a …
Domestic Stability Buffer – Supporting the resilience of Canada’s banking system
… capital buffers to cover those losses and support the flow of bank lending to the economy. What is the domestic …
Applying for a Licence to be a Pooled Registered Pension Plan Administrator
… the corporation's business plan, financial resources, risk management procedures, operational capability, and the … Such costs would generally include a fund's investment management fee, its fund operating expenses, and any other … whether the proposed cost is net of taxes (investment management fees plus fund operating expenses and any other …
Directives of the Superintendent – FAQs
… plan text provides that the small benefit must be taken in cash (i.e. where this cash payment is not at the option of the member) A death …
OSFI’s Assistant Superintendent, Regulatory Response Sector, Tolga Yalkin delivered remarks addressing non-financial risks
… guideline on operational resilience and operational risk management. The simultaneous launch of these two guidelines … effectively addressing what we call the four Cs—capital, cash, credit, and contingency—is critical to prudent risk management for financial institutions. This said, we have for …
Superintendent Routledge participates in a fireside chat at TD Annual Conference
… On credit risk, OSFI is consolidating existing credit risk management guidance for mortgage lending, commercial real … a priority expectation that is key to resilience, risk management and public trust. Moderator: Do bank valuations … strengthen boards, and strong boards strengthen management. OSFI's Supervisory Framework can be leveraged by …
Substantial Investments - Appendix A.1
… investment diversification and professional investment management to the holders of their securities. In addition, … investment counselling services; providing portfolio management services; networking financial services; or acting … or dealing with real property; specialized business management or advisory services, including acting as a …
Substantial Investments - Appendix A.2
… investment diversification and professional investment management to the holders of their securities. In addition, … investment counselling services; providing portfolio management services; networking financial services; or acting … acting as real estate agent; specialized business management or advisory services, including acting as a …
Key validation rules for the H4 regulatory return
… and Unencumbered Assets Available Unencumbered Assets = Cash (unencumbered) + Securities + Loans + Collateral In … – Collateral out + Adjustments Encumbered Assets = Cash (encumbered) + Cash Margin Given + Collateral In (non-rehypothecateable) + …
Appointed Actuary: Legal Requirements, Qualifications and Peer Review – Guideline (2023)
… participating policyholders and a policy respecting the management of each of the participating accounts (165(2)(e)) … and OSFI's Guideline E-16 Participating account management and disclosure to participating and adjustable … in the work of the AA by the public, by insurance company management and directors, and by supervisory authorities. It …
Remarks by Superintendent Peter Routledge at the Responsible Investment Association Virtual Conference, June 7, 2022
… who acted with urgency to advance sound climate risk management in the Canadian financial system. I hope they see … across nations to deliver more climate-related risk management commitments. This global coalition recognizes that … will have to adapt as global climate change risk management efforts change the relative values of what Canada …
Internal Model Oversight Framework - Guideline (2019)
… and recommendations and report any disagreements to senior management, including the model executive. The insurer should …