AI Analysis: Chartered banks, classification of non-mortgage loans, at end of period, Bank of Canada

Executive Summary

Statistics Canada's Table 10100148 tracks 65 categories of chartered bank non-mortgage loans from October 1981 to October 2025, revealing a strongly right-skewed lending landscape where a handful of large categories — led by 'Total, loans to private businesses' averaging $98,331M CAD — dominate the $2 trillion-scale market. Over 44 years of quarterly data, non-mortgage lending has grown substantially across most categories, with Canadian dollar loans (median $5,514M) consistently outpacing foreign currency loans (median $1,589M). Nine statistical outliers were identified across the time series, reflecting the impact of major economic cycles, recessions, and credit expansions on Canadian chartered bank lending.

Key Findings

• The dataset spans 44 years (October 1981 to October 2025), containing 15,390 valid observations across 65 loan categories and 2 currency types, with values ranging from -$39M to over $2,049,020M CAD.
• The distribution is heavily right-skewed, with a mean of $42,312M far exceeding the median of $3,373M, indicating that a small number of large aggregate loan categories dominate the dataset.
• The top-ranked individual loan category — 'Total, loans to private businesses' — averaged $98,331M CAD across all reporting periods, making it the single largest driver of non-mortgage lending volume.
• Canadian dollar loans (9,678 records, median $5,514M) carry significantly higher typical values than foreign currency loans (5,712 records, median $1,589M), though the dataset's maximum value of $2,049,020M appears in the foreign currency segment.
• Nine statistical outliers were detected using a combined IQR and Z-score (>2.5) method, with the IQR bounds spanning from -$845,876M to $1,867,624M CAD, reflecting the extreme value range across the 44-year history.
• Correlation analysis across 12 loan categories revealed that most loan types move together over time, consistent with broad macroeconomic cycles simultaneously influencing multiple segments of chartered bank lending.
• The dataset is updated quarterly by Statistics Canada, with the most recent update on March 3, 2026, ensuring the trends and rankings reflect current chartered bank lending activity through October 2025.