Finance and Real Estate Infographics Canada

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.

Between 2022 and 2023, Canada’s population increased by 2 million, but only 500,000 housing starts were recorded and even fewer units were actually completed, and the number of family doctors in Canada increased by just 815.

CPP’s long-term performance has been solid, but it hasn't outpaced key benchmarks like the S&P/TSX Index or gold. Meanwhile, its domestic investment share continues to shrink, while U.S. exposure grows.

Despite paying out significant dividends, the market capitalization of 4 out of the 6 Big Banks in Canada has more than doubled over the past decade.

The worst fiscal days of the 1980s are behind us, but 16 straight years of deficits (FY2009–FY2024) have piled on the debt and the interest payments that come with it.

Latest data shows that off-branch transactions (online, telephone, and ATM) now make up over 91% of all transactions at each of Canada’s Big 5 banks.

U.S. federal spending hit historic highs, with rising deficits and debt interest burdens. Long-term fiscal stability may require spending cuts and revenue increases.

National Bank exceeded earnings estimates with strong financial markets and wealth management growth. Rising credit loss provisions highlight increasing risk.

Big 5 Canadian banks' net interest margins declined post-COVID. U.S. banks had higher margins due to riskier loans. Profitability depends on efficiency, non-interest income, and credit risks.