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Guide to Foreign Bank Branching
… or continue as a bank, bank holding company, federal credit union or federally regulated trust or loan company … an AFB may require several months to prepare for the on-site review, and the timing related to the making of the … on the Applicant and its owners issued by a recognized credit rating agency, if available; the audited consolidated …
Acts and regulations
… made under the Trust and Loan Companies Act Cooperative Credit Associations Act Regulations made under the Cooperative Credit Associations Act Insurance Companies Act Regulations …
Annual Risk Outlook – Semi-annual update – Fiscal Year 2024-2025
… Real estate secured lending and mortgage risks Wholesale credit risks Funding and liquidity risks Integrity and … systems, other service providers such as utilities, credit bureaus, market information and records management …
Chapter 5: 2024-25 Financial overview
… 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 …
Speech from the Superintendent at the Global Risk Institute Summit 2025
… make nearly $1 trillion in loans, or other extensions of credit, and remain above current capital minimums; a material … their risks, Canadians benefit: from reliable access to credit and financial services to stronger support for …
Federal Home Buyers Plan
Federal Home Buyers Plan Guidance Locked-in retirement funds Defined benefit plans Defined contribution plans The Pension Benefits Standards Act, 1985 and the Pension Benefits Standards Regulations, 1985 limit the usage of funds held in a locked-in …
Perspectives on the Industry from the New Superintendent
… of risk, the familiar ones such as operational risk and credit risk remain with us. Although we have managed these … interest rates for consumer lending products such as credit cards and lines of credit. And you waived personal banking fees for many …
Change Control Log (GR)
… for “TAPE” files San Marino and San Marinese Institut of Credit Congo, Democratic Republic and Central Bank of Congo … Montenegro Instructions for Guarantees and Other Unused Credit Commitments Change: Page references for credit derivatives Book value to Balance sheet value Example …
OSFI-602 – Return of Shareholders
… return applies to Canadian Domestic Banks only. Federal Credit Unions (FCUs) are only required to submit this return …
Pension Investment Risk Management
… including the use of portfolio limits (e.g., asset class, credit quality), stress testing and asset/liability … view of the investment portfolio and all material market, credit and liquidity risks ensures that plan administrators … (e.g., asset price, interest rates and foreign exchange) Credit risk (e.g., default, counterparty, credit spread, …
COVID-19 solvency special payments relief
… and/or address their obligations using letters of credit. Under the Relief Regulations, from the …
Model Risk Unstructured Regulatory Return (OSFI947)
… (OSFI947) Purpose This return supports the monitoring of credit risk model performance by providing quarterly …
OSFI’s first Quarterly Release Day of 2026 – Technical Briefing
… The release items will include: Consultative Document on Credit Risk Management Consultative Document on Senior Leader …
Peter Routledge participates in a fireside chat at the 2025 IIF-CBA Canada Forum
… make nearly $1 trillion in loans, or other extensions of credit, and remain above current capital minimums; a material … institutions are deploying AI — especially in areas like credit risk, model risk, cybersecurity, and decision-making. …
Superintendent Peter Routledge participates in a fireside chat at Morningstar DBRS
… make nearly $1 trillion in loans, or other extensions of credit, and remain above current capital minimums; a material … four key risks: integrity and security, wholesale credit, funding and liquidity, and real estate secured …