What Canada OSFI Capital Adequacy Requirements (CAR) Guideline - D-SIB Framework and Domestic Stability Buffer requires
OSFI's Capital Adequacy Requirements (CAR) Guideline implements Basel III for Canadian federally regulated deposit-taking institutions: minimum CET1 ≥7.0% (including 2.5% Capital Conservation Buffer); D-SIB surcharge 1.0% for Canada's Big Six (RBC, TD, BMO, Scotiabank, CIBC, National Bank); Domestic Stability Buffer (DSB) 3.5% effective February 2024 (countercyclical in nature); and an Output Floor of 72.5% from Q2 2023.
Pillar: Banking & Global Finance · Authority: Office of the Superintendent of Financial Institutions (OSFI); Bank Act (RSC 1985, c. B-1.01); Financial Institutions and Deposit Insurance System Amendment Act 2022 · Version: 2023.1.0 · Last updated:
Primary source: https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/capital-adequacy-requirements-car-2023
SHA-256 integrity: 495ea4b99d78cde9fd5b9ea92af2554bd5b0490d8517a7641e7ab8cc944562c2
Primary Citations — 5 traced to source
- {"source":"OSFI Capital Adequacy Requirements (CAR) Guideline (2023 edition)","url":"https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/capital-adequacy-requirements-car-2023","section":"Chapter 2 (CET1 composition); Chapter 4 (Output Floor); Chapter 8 (D-SIB surcharge); Chapter 9 (Domestic Stability Buffer)"}
- {"source":"OSFI Domestic Stability Buffer - Announcement (November 2023)","url":"https://www.osfi-bsif.gc.ca/en/news/announcements/domestic-stability-buffer-requirement","section":"DSB level 3.5% effective February 1, 2024; release mechanism description"}
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