Sectoral balance sheet
-
Recent Evolution of Canada’s Credit-to-GDP Gap: Measurement and Interpretation
Over the past several years, the Bank for International Settlements has noted that Canada’s credit-to-GDP gap has widened and is above thresholds indicating future banking stress. -
November 28, 2017 Release of the Financial System Review
Press conference following the release of the Financial System Review. -
November 28, 2017 Analysis of Household Vulnerabilities Using Loan-Level Mortgage Data
This report examines detailed data on home mortgages to provide a better understanding of the vulnerabilities associated with the mortgage market. The proportion of low-ratio mortgages is growing, particularly in regions with strong house price growth. Moreover, these borrowers exhibit less flexibility to adverse shocks, since they have high debt levels relative to income and have taken mortgages with long amortization periods. -
June 12, 2017 Canadian Economic Update: Strength in Diversity
Senior Deputy Governor Carolyn A. Wilkins talks about encouraging signs that growth is broadening across Canada’s regions and sectors. -
June 8, 2017 Release of the Financial System Review
Press conference following the release of the Financial System Review. -
December 15, 2016 Release of the Financial System Review
Press conference following the release of the Financial System Review. -
Household Risk Assessment Model
Household debt can be an important source of vulnerability to the financial system. This technical report describes the Household Risk Assessment Model (HRAM) that has been developed at the Bank of Canada to stress test household balance sheets at the individual level. -
June 9, 2016 Release of the Financial System Review
Press conference following the release of the Financial System Review. -
May 6, 2016 Stress Prevention: Central Banks and Financial Stability
Deputy Governor Lawrence Schembri discusses central banks and the maintenance of financial stability.