AI Analysis: Credit liabilities of private non-financial corporations

Executive Summary

Statistics Canada's Table 36100640 tracks monthly credit liabilities of private non-financial corporations across 24 categories from January 1990 to February 2026, encompassing 36,456 records with values ranging from $0 to $3.6 trillion CAD. The data reveals a strongly right-skewed distribution — mean of $144.4 billion versus a median of $22.4 billion — driven by a few dominant credit categories, while long-term trends confirm sustained growth in Canadian corporate borrowing over 35+ years. Correlation analysis shows many credit categories move together, suggesting broad macroeconomic forces simultaneously influence multiple types of corporate credit liabilities.

Key Findings

• The dataset spans 434 monthly time periods from January 1990 to February 2026, covering 24 distinct credit liability categories across 84 unique data series (vectors).
• The distribution is heavily right-skewed, with a mean of $144,443M CAD — more than 6 times the median of $22,403M CAD — and a standard deviation of $345,741M, indicating extreme variability driven by a small number of very large categories.
• Values range from $0 to a maximum of $3,611,438 million CAD, with the middle 50% of observations falling between $3,916M and $108,204M (an IQR of $104,288M).
• 435 outliers were detected across 8 categories using a strict 3×IQR threshold, likely clustering around major economic disruptions such as the 2008 financial crisis and the COVID-19 pandemic in 2020.
• Strong positive correlations exist among many credit liability categories, suggesting that macroeconomic conditions tend to drive multiple credit types simultaneously rather than in isolation.
• Both raw and seasonally adjusted versions of the data are available, enabling flexible analytical approaches for trend identification and economic modeling.
• Long-term upward trends in total credit liabilities are clearly visible across key categories — including Non-Mortgage Loans, Mortgage Loans, and Debt Securities — reflecting the sustained expansion of Canadian corporate borrowing since 1990.