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Financial statements for the three and nine months ended December 31, 2025
… with the administration of the Bank Act , the Cooperative Credit Associations Act , the Green Shield Canada Act , the … or in a group of financial assets with similar credit risk characteristics. Assets that are individually … of estimated future cash flows (excluding future expected credit losses that have not yet been incurred). The present …
Peter Routledge, Superintendent, gives Domestic Stability Buffer announcement
… and Canadian homeowners have weathered the current credit cycle well. Housing and commercial real estate … rates. High valuations that correct could intensify credit risk in real-estate secured lending. Non-financial …
Change Control Log (B2)
… Development Corporation to Export Development Canada Farm Credit Corporation to Farm Credit Canada Alberta Treasury Branches to ATB Financial …
Change Control Log (K4)
… Development Corporation to Export Development Canada Farm Credit Corporation to Farm Credit Canada Alberta Treasury Branches to ATB Financial …
Understanding your pension plan
Understanding your pension plan Private pension plans provide an important source of retirement income for members and their families. Employers generally set up pension plans voluntarily; however, once a pension plan is established, it must be funded and …
Remarks by Superintendent Routledge at the House of Commons Standing Committee on Finance, January 21, 2022
… preserving and protecting the availability and quality of credit that sustains the housing market. A stable housing finance system – with reliably available credit at prudent, risk-based prices – is a pre-requisite for …
Summary of comments and our responses from the public consultation for the MCT Guideline (2026)
… policy update, if appropriate. Other balance sheet assets (credit risk) Suggest revising the text as the amounts subject to the 0.7% credit risk factor should be the assets for remaining …
OSFI holds Domestic Stability Buffer at 3.5%, reflecting resilience in a changing risk environment
… market. Canadian corporate debt growth has moderated but credit quality is vulnerable to trade-related headwinds. Low credit spreads and high earnings multiples remain a feature …
Deputy Superintendent Angie Radiskovic opening remarks at the Northwind Financial Services Forum
… our non-financial near-term priorities to two core areas: credit risk management and senior leader accountability. We … financial institutions (NBFI) Funding and liquidity Credit risk remains central, particularly in a context of …
Actuarial report on the Government annuities as at 31 March 2023
… of a deficit) to the CRF, with a corresponding charge or credit to the Account. Following these adjustments, the … assets value as at 31 March 2023 prior to any charge or credit to the CRF is obtained by adding interest at 7% on the …
Reporting Membership Numbers on the OSFI 49 Annual Information Return
… but who still have a portion of their pension benefit credit (the transfer deficiency) remaining in the plan … under section 26 of the PBSA but whose pension benefit credit remains in the plan at year end For purposes of the …
Opening remarks by Superintendent Peter Routledge at the 2023 Annual Risk Outlook launch
… in deposit stability, funding access, and counterparty credit exposures. Third, commercial real estate risk . … sector . Number five: Corporate and Commercial Credit Risk . Number six: Digital Innovation Risk . Number …
Change Control Log (I3)
… Change: Allowance for Impairment to Allowance for Expected Credit Losses Return Template: 1-2 Change: Line 2(g) … Allowance for Impairment to 2(g) Allowance for Expected Credit Losses 8 Q1 2019 Instructions: 2 Delete: Instructions …
Peter Routledge, Superintendent, gives OSFI Domestic Stability Buffer Announcement – December 2025
… the prudentially sound shift towards the provision of credit for Canadian businesses, including small- and … and commercial real estate, and some signs of strain in credit such as gradually rising delinquencies and provisions …
OSFI-658 – Required Roles and Contact Information Return
… under the Insurance Companies Act , and a cooperative credit association incorporated under the Cooperative Credit Associations Act . "General E-mail Address" means an … and Loan Companies Act , the Bank Act ,and the Cooperative Credit Associations Act collectively or individually, where …