Finance and Real Estate Infographics Canada

Leading banks and credit unions across North America shape the financial landscape, with U.S. and Canadian institutions holding significant influence.

Net interest margins reflect bank profitability, influenced by income, operating costs, credit risk, and loan composition across major institutions

Canada’s banking sector is dominated by major banks and credit unions, showing strong centralization and influence across financial services.

Canada’s top lenders show improving mortgage health, with reduced negative amortizations, fewer long-term loans, and strong credit risk profiles.

Advertised mortgage rates often differ from actual offers—borrowers should rely on real data, not posted rates, and always negotiate.

Canada’s residential loan market is dominated by major banks, with mortgages leading and HELOCs forming a smaller loan segment.

Several major banks beat expectations, but rising credit loss provisions signal growing concern over economic conditions and borrower stability.

Canada’s housing minister downplays price concerns, despite strong evidence showing extreme home price growth and declining affordability compared to peers.

Good News: Negative amortization mortgages—where payments don’t even cover interest—dropped 83% in volume, falling from 6% to 1% of all mortgages in a year, reflecting relief from Bank of Canada rate cuts. Bad News: Despite this progress, 31.7% of mortgages still have remaining amortizations of 25 years or more, raising concerns about long-term debt sustainability.