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OSFI-656 – Board of Director Information Return
… Companies Act , or sections 431 and 432 of the Cooperative Credit Associations Act . Applicability This return only … Canadian Property & Casualty Insurance Companies, Credit Union Centrals, Trust and Loan Companies, and …
Domestic Stability Buffer - Decision Summary Note - December 2023
… capitalized, they continue to build up provisions for credit losses in an environment characterized by rising gross … March 2020 to May 2020 Total household debt and credit card debt (6 month average of annualized quarterly … Canada, OSFI calculations Total household debt and credit card debt (6 month average of annualized quarterly …
Preserving Financial Resilience in Banking
… For example, under the internal ratings-based approach to credit risk we have removed the ability for banks to estimate … on certain input parameters used in the calculation of credit risk capital requirements for retail exposures. … capital with the risk under the Standardized Approach to credit risk by having more risk-sensitive rules, such as more …
Why the biggest AI challenge may be explaining what it does
… to a consumer explaining why they shouldn’t be extended credit,” David Palmer of the Federal Reserve Board said. The … important for an AI chatbot versus AI models that make credit decisions. How complex is the model? Extremely complex …
Consultation outcomes - OSFI Guideline Consequential Changes as a Result of IFRS 17
… of 2023 Guideline Rationale C-1 — Impairment - Sound Credit Risk Assessment and Valuation Practices for Financial … redundant as a result of the move to the IFRS expected credit loss model. Therefore, this Guideline will be …
Angie Radiskovic, Assistant Superintendent and Chief Strategy and Risk Officer, delivers remarks for OSFI’s February Quarterly Release Announcement Day
… on the traditional land of the Mississaugas of the Credit, the Anishinaabeg, the Chippewa, the Haudenosaunee, … with the Basel Framework, and we are clarifying the credit valuation adjustment framework. As announced by the …
Business Specifications for the Climate-Related Risk Returns for Insurers
… asset_class , insurance_class , region , sector and, credit_quality region (N.B. asset_class , sector , and credit_quality are not fields included in the IC1 (OSFI 1002) … Appendix III – Regions Appendix IV – Sectors Appendix V – Credit Quality Ratings These tables correspond to those …
Financial highlights for the period ended September 30, 2025
… taking in response (Integrity and security risk, Wholesale credit risk, Funding and liquidity risks, Real estate secured … could cause stress in the mortgage insurance industry. Credit risks and market volatility could impact investment … Risks Financial risks, primarily liquidity risk and credit risk, are closely managed and continue to be rated …
Actuarial Report (16th) on the Old Age Security Program
… to the number of immigrants less the number of emigrants, plus the number of returning Canadians and the net increase … Allowance: 3.7% 5 Benefit indexation CPI less 1% CPI CPI plus 60% of the real wage increase Table 15 - Footnote 1 For … at rates equal to the assumed rate of growth in prices plus 60% of the assumed real wage increase. Accordingly, the …
Guideline B-15 readiness self-assessment questionnaire: What we heard report
… risks as part of existing risk appetite for risks such as credit, underwriting, and reputational risks. Lastly, … affect FRFIs across different key risk categories, such as credit, market, and operational risks. As shown in Charts 2 … in assessing the impact of climate-related risks on credit, market, operational, and insurance risks Chart 2 - …
Authorization of Amendments Reducing Benefits in Defined Benefit Pension Plans
… former member’s or other person’s pension benefit credit Footnote 9 accrued before the date of the amendment on … Footnote 9 Section 2 of the PBSA defines a pension benefit credit as the aggregate value at a particular time of a …
Sale of all or Substantially all Assets by Deposit-taking Institutions
… shareholder(s) (and/or members, in the case of a federal credit union or an association). The second requires … shareholder(s) (and/or members, in the case of a federal credit union or an association); a copy of any other … and, where the applicant is an association or a federal credit union, the Voting Package, with a view to obtain …
Financial highlights for the period ended December 31, 2025
… taking in response (Integrity and security risk, Wholesale credit risk, Funding and liquidity risks, Real estate secured … could cause stress in the mortgage insurance industry. Credit risks and market volatility could impact investment … Risks Financial risks, primarily liquidity risk and credit risk, are closely managed and continue to be rated …
Opening Remarks by Superintendent Peter Routledge – Northwind’s 35th Annual Financial Services Forum, Cambridge, ON
… array of risks on which we focus, those beyond traditional credit, market, and liquidity risks. I encourage our … change risks can drive more traditional risks, including credit, market, insurance, operational and legal risks. Left …
Loan-to-income limits for uninsured mortgage portfolios
… mortgage origination volumes, and in turn, reduced credit risk to financial institutions’ mortgage portfolios. … property. First and second mortgages, home equity lines of credit, and other secured loans held by the same or a …