🍁 Global Loan Portfolio of Canadian Lenders (Q4 2025)
Canadian banks, credit unions, and MFCs hold $5.84T in loans, with over $4T concentrated in the Big 5 banks.
Key Points:
1️⃣ Market Share:
- 🔹 The Big 5 Banks hold nearly 70% of total loans.
- 🔹 The Big 7 (Big 6 banks + Desjardins) account for close to 80% of the market.
2️⃣ Residential Lending:
Residential mortgages and HELOCs within Canada represent 45% of all loans issued globally by Canadian lenders.
3️⃣ Beyond the Big 7:
The next-largest loan providers are First National, MCAP, nesto, and ATB.
4️⃣ Top Credit Unions (by loan portfolio):
- 🔹 Desjardins: $312B
- 🔹 Servus: $25.7B
- 🔹 Vancity: $24.6B
- 🔹 Meridian: $23.1B
- 🔹 Coast Capital: $19.5B
5️⃣ Geographic Breakdown:
Nearly 22% of all loans held by Canadian lenders are outside Canada.
Global Loan Portfolio of Canadian Lenders (Q4 2025)
| Lender | Loan Portfolio (In Billion CA$) |
|---|---|
| RBC | $1,042.4 |
| TD | $983.7 |
| Scotiabank (Inc. Tangerine) | $779.5 |
| BMO | $677.2 |
| CIBC | $589.5 |
| Desjardins | $312.3 |
| National Bank | $302.6 |
| First National | $165.3 |
| MCAP | $157.1 |
| Nesto | $73.0 |
| ATB | $58.1 |
| Equitable Bank (Inc. Concentra) | $45.7 |
| Laurentian Bank (Inc. B2B) | $35.8 |
| Manulife Bank | $29.4 |
| Fairstone Bank | $28.9 |
| Servus Credit Union | $25.7 |
| Vancity | $24.6 |
| Meridian Credit Union | $23.1 |
| Coast Capital Savings | $19.5 |
| Others | $471.2 |
Sources: OSFI, Lenders' Annual & Quarterly Financial Reports, Statistics Canada
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