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Internal Model Oversight Framework - Guideline (2019)
… closed August 30, 2019. We'll keep this draft on the site until the final guideline is released. This guideline …
Strengthening Climate Risk Financial Resilience: Insights from the Standardized Climate Scenario Exercise
… location-specific climate related physical risk into credit, underwriting, and risk management decisions. This gap … exposures along with current and climate-adjusted values, plus maturity and duration where relevant. Credit Risk … relatives aux divulgations sur les risques climatiques pour les assureurs (PDF) Return to footnote 10 referrer …
Office of the Superintendent of Financial Institutions 2025–26 Departmental plan
… with real estate secured lending and mortgage, whole-sale credit, funding and liquidity, and integrity and security … are available on OSFI’s website: Gender-based analysis plus Information on OSFI’s departmental sustainable … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department’s actual …
Office of the Superintendent of Financial Institutions’ 2023-2024 Departmental results report
… Guidelines , which incorporate the Market Risk and Credit Valuation Adjustments disclosure requirements. … are available on OSFI's website: Gender-based analysis plus Federal tax expenditures The tax system can be used to … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department’s actual …
Office of the Superintendent of Financial Institutions 2024–25 Departmental plan
… relating to culture. Conduct a Gender-based Analysis (GBA) Plus review and pilot, and develop culture metrics as part of … are available on OSFI’s website: Gender-based analysis plus Information on OSFI’s departmental sustainable … indicators. Departmental Results Report ( rapport sur les résultats ministériels ) A report on a department’s …
2021-22 Departmental Plan
… will continue to assess the interaction of the expected credit loss framework ( IFRS 9 ) with the regulatory capital … Sustainable Development Strategy Gender-based analysis plus Federal tax expenditures OSFI's Departmental Plan does … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department's actual …
2021-22 Departmental Results Report
… will remain the greater of the mortgage contract rate plus 2 percent or 5.25 percent. Continued to adapt its work, … OSFI released final revisions to its capital (including credit, operational and market risks), leverage, liquidity, … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department’s actual …
Minimum Qualifying Rate - Letter (2021)
… to be the greater of the mortgage contractual rate plus 2 percent or 5.25 percent. Purpose and Components of the …
Amendments to the minimum qualifying rate for uninsured mortgages - Letter (2021)
… should be the greater of the mortgage contractual rate plus 200 basis points or 5.25 percent. OSFI has updated …
Mortgage Insurer Capital Adequacy Test - Guideline (2025)
… Residential exposures; Multi-unit residential exposures. Credit risk Footnote 1 (reference chapter 4): Counterparty … 6). The MICAT does not include capital requirements or credit for reinsurance. Any mortgage insurer that is … replacement cost (obtained by "marking to market") plus an amount for potential future credit exposure (an …
2022-23 Departmental Plan
… products (e.g., Combined Mortgage-Home Equity Line of Credit (HELOC) Loan Plans – "CLPs" and other mortgage-related … determine alignment with DEI objectives, conducting a GBA Plus review and strategy pilot, and providing foundational … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department's actual …
2022-23 Departmental Results Report
… the Silicon Valley Bank collapse and the near failure of Credit Suisse, a globally, systemically important bank. I am … remain the greater of either the mortgage contract rate plus 2% or 5.25%. This measure ensures that borrowers meet a … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department’s actual …
2023-24 Departmental Plan
… are available on OSFI's website: Gender-based analysis plus Federal tax expenditures OSFI’s Departmental Plan does … as evaluations, research papers and gender-based analysis plus. Organizational contact information Mailing address … indicators. Departmental Results Report (rapport sur les résultats ministériels) A report on a department's actual …
2020-2021 Annual Report to Parliament on the Administration of the Privacy Act
… la protection des renseignements personnels , j'autorise les agents et les employés du Bureau du surintendant des institutions … financières occupant, par intérim ou autrement, les postes identifiés dans l'annexe ci-jointe à exercer en …
2019-2020 Annual Report to Parliament on the administration of the Privacy Act
… la protection des renseignements personnels , j'autorise les agents et les employés du Bureau du surintendant des institutions … financières occupant, par intérim ou autrement, les postes identifiés dans l'annexe ci-jointe à exercer en …