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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 …
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 …
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 …