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Risk Quantification at IRB Institutions
… Requirements (CAR) Guideline A-1 allows institutions Banks and bank holding companies to which the Bank Act applies and … Institutions will plan their quantification carefully, with attention to ratings philosophy, governance and data … EAD estimates as they become available. The need to use fresh internal data is obvious as new business replaces old …
Revised Regulatory Notice on Commercial Real Estate Lending
… Background Commercial real estate (CRE) is highly cyclical with the potential for significant losses, especially when … the current rapidly evolving risk environment, inflation and elevated interest rates have increased the potential for … of such real estate, loans for residential real estate with 5 or more units where repayment depends on sale or …
Business and Powers – Ownership Interests in Commodities
… Business and Powers – Ownership Interests in Commodities Note: … purchases a specific amount of natural gas (as agreed to with the storage facility operator) from third parties and … the statutes. Based on this prohibition, FRFIs may not buy and sell goods for commercial purposes. Buying and …
Capital Adequacy Requirements (CAR) – Guideline (2027)
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) – Guideline (2026) … Approach Chapter 6 - Securitization Chapter 7 - Settlement and Counterparty Risk Chapter 8 - Credit Valuation Adjustment … Draft guideline Capital Adequacy Requirements Banks Trust and Loan Companies Financial risk …
Register of OSFI-Regulated Internationally Active Insurance Groups
… (ComFrame) For more information on ComFrame, please visit the Insurance Core Principles and ComFrame page on the IAIS website. . ComFrame establishes supervisory standards and guidance focusing on the effective group-wide supervision …
OSFI response to draft guideline B-10 consultation feedback – Third-party Risk Management
… (FRFIs). A non-attributed summary of comments received and OSFI’s responses are available. The financial industry … of third-party risk. Reflects a principles-based approach with increased emphasis on a risk-based approach to managing … on May 18, 2023 from 1 p.m. to 2:30 p.m. ET. To register visit: Information session B-10 before May 17 at noon. Letter …
Liquidity Adequacy Requirements (LAR) – Guideline (2027)
… the version of this chapter currently in effect, please visit Liquidity Adequacy Requirements (LAR) – Guideline (2026) . Subsections 485(1) and 949(1) of the Bank Act (BA) and subsection 473(1) of … Funding Ratio (NSFR). These standards – in conjunction with additional liquidity metrics where OSFI reserves the …
Data Collection Modernization Initiative: Get Ready for Implementation
… technology platform advance key data initiatives and improve data quality Together these efforts will help … engagement is critical to the success of DCM. We met with 34 senior leaders in the banking and insurance sectors … data initiatives, and refining potential existing returns. Visit the DCM webpage or email Shaheena Mukhi (email: …
Liquidity Adequacy Requirements (LAR) (2027) Chapter 5 – Operating Cash Flow Statement
… the version of this chapter currently in effect, please visit Liquidity Adequacy Requirements (LAR) (2026) Chapter 5 … (OCFS) is used by OSFI as a supervisory tool to measure and monitor liquidity for Category III institutions, as … institution's liquidity risk management framework in line with OSFI's Guideline B-6 Liquidity Principles Footnote 1 . …
Capital and Liquidity Treatment of Crypto-asset Exposures (Banking) – Guideline (2027)
… Capital and Liquidity Treatment of Crypto-asset Exposures (Banking) – … the version of this guideline currently in effect, please visit Capital and Liquidity Treatment of Crypto-asset … (Banking) – Guideline (2026) . Note For institutions with a fiscal year ending October 31 or December 31, …
Earthquake Exposure Sound Practices - Letter (2013)
… Practices - Letter (2013) To: Federally Regulated Property and Casualty Insurance Companies In August 2012, OSFI … OSFI reviewed the submissions and had follow-up meetings with a number of groups. Today, OSFI is publishing the final … price increases would have on consumers’ willingness to buy the coverage, and concerns on affordability. OSFI …
RBC Capital Markets Canadian Bank CEO Conference
… CEO Conference Thank you Darko for your kind introduction and for hosting this conference. I wish we could do this in … crucial prerequisite for building trust and reconciliation with our fellow citizens of Indigenous descent. I urge you to … outside the regulated sector. One example is the rise of Buy Now Pay Later (or BNPL) providers, which provide, in my …
Capital Adequacy Requirements (CAR) (2027) – Chapter 8 – Credit Valuation Adjustment (CVA) Risk
… the version of this guideline currently in effect, please visit Capital Adequacy Requirements (CAR) (2026) – Chapter 8 … Valuation Adjustment (CVA) Risk . Note For institutions with a fiscal year ending October 31 or December 31, … Requirements (CAR) for banks, banks holding companies, and trust and loan companies, collectively referred to as …
Report on New and Existing Lending (A4)
… Report on New and Existing Lending (A4) Summary of key updates by section … as outstanding loan balances at the end of the month, with the exception of credit card lending which should be … the interest rate to be reported is the institution's buy rate and not the dealer markup rate. Include: both direct …
Settlement Risk in Foreign Exchange Transactions – Guideline (2013)
… exchange settlement risk by banks, bank holding companies and trust and loan companies (collectively referred to as … Supervisory guidance for managing risks associated with the settlement of foreign exchange transactions . Banks … FX forward A contract between two parties that agree to buy or sell an amount of currency against a second currency …