Mortgage Loan Insurance Business Supplement

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1 CANADA MORTGAGE AND HOUSING CORPORATION Mortgage Loan Insurance Business Supplement YEAR-END December 31, March 31, The following Mortgage Loan Insurance Business Supplement is prepared for the year ending using non-ifrs measures to analyse its performance. CMHC believes that these performance measures provide meaningful information that enables greater transparency and clarity with respect to CMHC's residential mortgage insurance underwriting practices.

2 INSURANCE VOLUMES Three Months Ended Twelve Months Ended 30 September 30 June Total Insured Volumes (units) 82,556 83,165 83,113 87, , ,773 39,804 45,759 53,292 54, , ,415 19,289 7,240 5,980 6,082 38,136 49,973 23,463 30,166 23,841 27,479 95, ,385 Total Insured Volumes ($M) 14,455 14,457 16,045 15,769 55,597 61,053 9,589 10,760 13,125 12,489 41,714 44,246 3,365 1,927 1,424 1,496 7,954 10,406 1,501 1,770 1,496 1,784 5,929 6,402 Insurance-in-force: As at 30 September 30 June Insurance-in-force (loans) 2,807,352 2,824,646 2,877,851 1,470,673 1,489,056 1,504,724 1,314,600 1,313,381 1,351,851 22,079 22,209 21,276 Insurance-in-force ($B) CANADA MORTGAGE AND HOUSING CORPORATION 2

3 LOAN-TO-VALUE Three Months Ended 30 September 30 June 2013 Percentage distribution of loans insured in period by loan-to-value (LTV) ratio based on original property value <=50% >50% <=55% >55% <=60% >60% <=65% >65% <=70% >70% <=75% >75% <=80% >80% <=85% >85% <=90% >90% <=95% >95% Average loan-to-value Average equity Distribution based on loan amounts, not number of loans. 3 CANADA MORTGAGE AND HOUSING CORPORATION 3

4 LOAN-TO-VALUE Twelve Months Ended 2013 Percentage distribution of loans insured in period by loan-to-value (LTV) ratio based on original property value <=50% >50% <=55% >55% <=60% >60% <=65% >65% <=70% >70% <=75% >75% <=80% >80% <=85% >85% <=90% >90% <=95% >95% Average loan-to-value Average equity Average equity by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. 4 CANADA MORTGAGE AND HOUSING CORPORATION 4

5 LOAN-TO-VALUE Insurance-in-force: Based On Loan Amount and Property Value at Origination 1 As at 30 September 30 June Percentage distribution of insurancein-force by loan-to-value (LTV) ratio <=50% >50% <=55% >55% <=60% >60% <=65% >65% <=70% >70% <=75% >75% <=80% >80% <=85% >85% <=90% >90% <=95% >95% Average loan-to-value Average equity Average equity by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories LTV calculated on the basis of loan amounts and property values at insurance origination. Distribution based on outstanding loan amounts, not number of loans. 5 CANADA MORTGAGE AND HOUSING CORPORATION 5

6 2 2 2 LOAN-TO-VALUE Insurance-in-force: Based On Outstanding Loan Amounts and Updated Property Value 1 As at 30 September 30 June Percentage distribution of insurancein-force by loan-to-value (LTV) ratio <=50% >50% <=55% >55% <=60% >60% <=65% >65% <=70% >70% <=75% >75% <=80% >80% <=85% >85% <=90% >90% <=95% >95% Average loan-to-value Average equity Average equity by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories LTV calculated on the basis of outstanding loan amounts and estimated updated property values reflecting changes in local resale prices. 2 CMHC does not estimate updated property value for multi-unit residential. Distribution based on outstanding loan amounts, not number of loans. 6 CANADA MORTGAGE AND HOUSING CORPORATION 6

7 AMORTIZATION 2013 Three Months Ended 30 September 30 June Percentage distribution of loans insured during the period by amortization (years) <= >5 <= >10 <= >15 <= >20 <= >25 <= >30 <= > Average amortization period (years) Distribution based on loan amounts, not number of loans. 7 CANADA MORTGAGE AND HOUSING CORPORATION 7

8 AMORTIZATION Twelve Months Ended 2013 Percentage distribution of loans insured during the period by amortization (years) <= >5 <= >10 <= >15 <= >20 <= >25 <= >30 <= > Average amortization period (years) Average amortization period (years) by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. 8 CANADA MORTGAGE AND HOUSING CORPORATION 8

9 AMORTIZATION Insurance-in-force: Amortization at Origination As at 30 September 30 June Percentage distribution of insurance-in-force by amortization (years) <= >5 <= >10 <= >15 <= >20 <= >25 <= >30 <= > Average amortization period (years) Average amortization period (years) by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on outstanding loan amounts, not number of loans. 9 CANADA MORTGAGE AND HOUSING CORPORATION 9

10 GEOGRAPHY 2013 Three Months Ended 30 September 30 June Percentage distribution of loans insured during period by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. 10 CANADA MORTGAGE AND HOUSING CORPORATION 10

11 GEOGRAPHY Twelve Months Ended 2013 Percentage distribution of loans insured during period by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. 11 CANADA MORTGAGE AND HOUSING CORPORATION 11

12 GEOGRAPHY Insurance-in-force: As at 30 September 30 June Percentage distribution of insurance-in-force by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on outstanding loan amounts, not number of loans. 12 CANADA MORTGAGE AND HOUSING CORPORATION 12

13 ARREARS Insurance-in-force: As at 30 September 30 June Arrears by Product 7, % 7, % 7, % 1, % 2, % 2, % Multi-unit residential % % % 9, % 9, % 9, % Arrears by region Atlantic 1, % 1, % 1, % Quebec 2, % 2, % 2, % Ontario 2, % 2, % 2, % Prairies and Territories 1, % 1, % 1, % British Columbia 1, % 1, % 1, % 9, % 9, % 9, % Arrears by province No of Loans in Arrears Arrears Rate No of Loans in Arrears Arrears Rate Newfoundland % % Prince Edward Island % % Nova Scotia % % New Brunswick % % Quebec 2, % 2, % Ontario 2, % 2, % Manitoba % % Saskatchewan % % Alberta % % British Columbia 1, % 1, % Territories % % No of Loans in Arrears Arrears Rate 13 CANADA MORTGAGE AND HOUSING CORPORATION 13

14 CREDIT SCORE Three Months Ended 30 September 30 June 2013 Percentage distribution of loans insured during period by credit score at origination No credit score < >=600 < >=660 < >=680 < >=700 < >= Average credit score at origination Distribution based on loan amounts, not number of loans. Distribution and average credit score for portfolio insurance does not include substitution pools. 14 CANADA MORTGAGE AND HOUSING CORPORATION 14

15 CREDIT SCORE Twelve Months Ended 2013 Percentage distribution of loans insured during period by credit score at origination No credit score < >=600 < >=660 < >=680 < >=700 < >= Average credit score at origination Average credit score at origination by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. Distribution and average credit score for portfolio insurance does not include substitution pools. 15 CANADA MORTGAGE AND HOUSING CORPORATION 15

16 CREDIT SCORE Insurance-in-force: As at 30 September 30 June Percentage distribution of insurance-in-force by credit score at origination No credit score < >=600 < >=660 < >=680 < >=700 < >= Average credit score at origination Average credit score at origination by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on outstanding loan amounts, not number of loans. 16 CANADA MORTGAGE AND HOUSING CORPORATION 16

17 VOLUMES BY LOAN AMOUNT Three Months Ended 30 September 30 June 2013 Percentage distribution of loans insured during period by loan amount (per unit) Over $1,000, Over $850,000 to $1,000, Over $600,000 to $850, Over $400,000 to $600, Over $300,000 to $400, Over $200,000 to $300, $200,000 or under Average insured loan amount ($) 240, ,482 63, , , ,109 58, , , ,015 62, , , ,992 64, ,669 Distribution based on number of units insured. 17 CANADA MORTGAGE AND HOUSING CORPORATION 17

18 VOLUMES BY LOAN AMOUNT Twelve Months Ended 2013 Percentage distribution of loans insured during period by loan amount (per unit) Over $1,000, Over $850,000 to $1,000, Over $600,000 to $850, Over $400,000 to $600, Over $300,000 to $400, Over $200,000 to $300, $200,000 or under Average insured loan amount ($) 238, ,574 62, , , ,232 63, ,598 Average insured loan amount ($) by province Newfoundland 198, ,991 38, , , ,149 39, ,334 Prince Edward Island 126, ,466 45, , , ,004 48, ,655 Nova Scotia 148, ,386 71, , , ,325 86, ,905 New Brunswick 115, ,086 47, , , ,099 45, ,621 Quebec 164, ,717 57, , , ,351 52, ,977 Ontario 276, ,653 57, , , ,772 60, ,968 Manitoba 209, ,804 56, , , ,964 78, ,421 Saskatchewan 238, ,413 54, , , ,068 66, ,783 Alberta 325, ,368 79, , , ,966 88, ,588 British Columbia 291, ,613 78, , , ,219 79, ,208 Territories 260, , , , , , , , CANADA MORTGAGE AND HOUSING CORPORATION 18

19 VOLUMES BY LOAN AMOUNT Insurance-in-force: As at 30 September 30 June Percentage distribution of insurance-in-force by outstanding loan amount (per unit) Over $1,000, Over $850,000 to $1,000, Over $600,000 to $850, Over $400,000 to $600, Over $300,000 to $400, Over $200,000 to $300, $200,000 or under Average outstanding loan amount ($) 184, ,749 52, , , ,708 52, , , ,846 54, ,723 Average outstanding loan amount ($) by province Newfoundland 137, ,995 36, , , ,123 33, , , ,061 33, ,304 Prince Edward Island 106,140 86,126 43,505 87, ,461 85,245 43,758 87, ,361 85,172 43,693 88,933 Nova Scotia 123, ,930 69, , , ,944 69, , , ,424 67, ,973 New Brunswick 100,915 86,692 43,155 89, ,751 86,586 42,870 89, ,534 86,873 43,307 90,307 Quebec 138, ,636 48,802 99, , ,093 49,430 99, , ,026 49, ,147 Ontario 200, ,344 48, , , ,562 48, , , ,554 51, ,946 Manitoba 162, ,257 52, , , ,544 52, , , ,263 53, ,961 Saskatchewan 177, ,839 50, , , ,159 50, , , ,788 54, ,851 Alberta 248, ,172 65, , , ,820 64, , , ,995 67, ,969 British Columbia 241, ,650 64, , , ,421 65, , , ,328 67, ,523 Territories 205, ,778 88, , , ,345 86, , , ,149 87, , CANADA MORTGAGE AND HOUSING CORPORATION 19

20 GROSS DEBT SERVICE RATIOS Three Months Ended 30 September 30 June 2013 Percentage distribution of loans insured in period by CMHC borrower average gross debt service ratio <= 30% >30% <=35% >35% <=39% >39% Average Gross Debt Service Ratio (GDS) Distribution based on loan amounts, not number of loans. 20 CANADA MORTGAGE AND HOUSING CORPORATION 20

21 GROSS DEBT SERVICE RATIOS Twelve Months Ended 2013 Percentage distribution of loans insured in period by CMHC borrower average gross debt service ratio <= 30% >30% <=35% >35% <=39% >39% Average Gross Debt Service Ratio (GDS) Average Gross Debt Service Ratio (GDS) by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on loan amounts, not number of loans. 21 CANADA MORTGAGE AND HOUSING CORPORATION 21

22 GROSS DEBT SERVICE RATIOS Insurance-in-force: As at Percentage distribution of insurance-in-force in period by CMHC borrower average gross debt service ratio at origination <= 30% >30% <=35% >35% <=39% >39% Average Gross Debt Service Ratio (GDS) Average Gross Debt Service Ratio (GDS) by province 30 September 30 June Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on outstanding loan amounts, not number of loans. 22 CANADA MORTGAGE AND HOUSING CORPORATION 22

23 INTEREST RATES Three months ended 30 September 30 June Interest Rate on 5 Year Fixed Term 2013 CMHC 1 (%) Bank of Canada 2 (%) Difference (bps) Results based on loans not dollars 1 Average interest rate on transactional purchase loans approved by CMHC in the quarter. 2 Chartered Bank administered 5 year interest rates, reported in the Bank of Canada Weekly Financial Statistics Report. Average for the quarter weighted by CMHC business. 23 CANADA MORTGAGE AND HOUSING CORPORATION 23

24 INTEREST RATES Distribution of interest rate type for homeowner purchase loans at origination Three months ended 30 September 30 June 2013 Fixed Variable and Other % of purchase loans that are fixed interest rate at origination by province Newfoundland Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Territories Distribution based on purchase loan amounts, not number of loans. 24 CANADA MORTGAGE AND HOUSING CORPORATION 24

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