AI Analysis: Chartered banks, regional distribution of selected assets and liabilities, at end of period, Canada, provinces and international, Bank of Canada

Executive Summary

Statistics Canada's Table 10100158 tracks 44 years of chartered bank assets and liabilities across 19 Canadian regions, containing 112,727 records with values ranging from -$2,986 million to nearly $3.96 trillion CAD as of October 2025. The dataset is heavily right-skewed, with a median of $666 million dwarfed by a mean of $26,655 million, driven by massive national-level aggregates in deposit and mortgage categories. Post-2008 financial crisis growth has been dramatic and sustained, with non-personal deposits, personal deposits, and residential mortgages now representing the dominant balance sheet items in Canada's banking sector.

Key Findings

• Non-personal deposits (total) is the single largest category at $3,955,595 million CAD ($3.96 trillion) as of October 2025, representing the peak value in the entire 44-year dataset and flagged as a major statistical outlier.
• Personal deposits reached $2,331,135 million CAD and residential mortgages hit $1,933,452 million CAD by October 2025, reflecting decades of household savings growth and sustained housing market expansion.
• The dataset is extremely right-skewed, with a median value of just $666 million versus a mean of $26,655 million and a standard deviation of $131,046 million, indicating a small number of very large national aggregates dominate the distribution.
• 2,491 records (out of 112,727) were flagged as statistical outliers with z-scores greater than 3, while 248 records carry negative values as low as -$2,986 million CAD, likely reflecting accounting adjustments or liability reversals.
• A clear inflection point is visible in the time series following the 2008 financial crisis, with top asset and deposit categories growing sharply and continuously through the 2020s across all 36 tracked categories.
• The dataset covers 19 geographic regions — including all provinces, Canada-wide aggregates, and international — and 36 distinct asset and liability categories, providing a comprehensive view of Canada's chartered banking sector over 177 quarterly periods.
• Correlation analysis across 34 variables reveals strong positive co-movement among most asset and liability categories, suggesting they are driven by shared macroeconomic forces such as credit cycles and monetary policy shifts.