Survey of Suppliers of Business Financing 2008 Note to readers Statistics Canada conducts the Survey of Suppliers of Business Financing in partnership with Industry Canada and the Department of Finance as part of a larger program of research into financing for small- and mediumsized enterprises. Since most suppliers of financing do not track the employment size of their business, they were asked to group their by authorization size, that is, by the maximum amount they were allowed to borrow. Note that authorization size is used in this survey as a proxy for business size for lack of employment size indicators. The survey was based on a census of enterprises in selected finance and leasing industries, including government business enterprises, with assets of $5 million or more. Excluded from the survey were government programs, private not-for-profit organizations, informal suppliers such as business "angels" and family members, and foreign suppliers. Domestic banks include the six large domestic banks and several smaller ones as defined by the Office of the Superintendent of Financial Institutions. Other banks include foreign banks, trust companies and all other deposit-accepting institutions except credit unions and caisses populaires, which appear in their own category. Finance companies include non-deposit accepting enterprises that provide financing to businesses, often for the purchase of goods and services. Debt financing is commonly provided; however, companies that purchase accounts receivable or provide both debt and lease financing are also included here. Examples include the acceptance companies of vehicle and equipment manufacturers, factoring companies and many government business enterprises. Enterprises providing only lease financing are usually classified as leasing companies. Portfolio managers, venture capital companies and financial funds include enterprises typically engaged in managing or investing pools of assets. Examples include mutual fund companies, investment advisors, venture capital companies, labour-sponsored venture capital funds, mutual funds and segregated funds. Insurance companies include life, health, and property and casualty insurers and re-insurers. Leasing companies include enterprises providing lease financing, usually for vehicles or equipment.
Definitions of groupings Définitions des groupements Industry (NAICS code) L'industrie (code SCIAN) Agriculture (111, 112, 1151, 1152) 1 Agriculture (111, 112, 1151, 1152) Forestry, fishing and hunting (113, 114, 1153) Foresterie, pêche et chasse (113, 114, 1153) 2 Mining and oil and gas extraction (21) Extraction minière et extraction de pétrole et de gaz (21) Utilities (22) 3 Services publics (22) Construction (23) 4 Construction (23) Manufacturing (31-33) 5 Fabrication (31-33) Wholesale trade (41) 6 Commerce de gros (41) Retail trade (44-45) 7 Commerce de détail (44-45) Transportation and warehousing (48-49) 8 Transport et entreposage (48-49) Information and cultural industries (51) 9 Industrie de l information et industrie culturelle (51) Finance and insurance (52) 10 Finance et assurances (52) Real estate and rental and leasing (53) 11 Services immobiliers et services de location et de location à bail (53) Professional, scientific and technical services (54) 12 Services professionnels, scientifiques et techniques (54) Educational services (61) Services d enseignement (61) 13 Health care and social assistance (62) Soins de santé et assistance sociale (62) Arts, entertainment and recreation (71) Arts, spectacles et loisirs (71) 14 Accommodation and food services (72) Hébergement et services de restauration (72) Management of companies and enterprises (55) Gestion de sociétés et d'entreprises (55) Administration and waste management (56) Services administratifs et services de gestion des déchets (56) 15 Other services except public administration (81) Autres services, sauf les administrations publiques (81) All other industries and/or unknown Autres industries et/ou inconnues
North American Industry Classification System (NAICS) Agriculture (111, 112, 1151, 1152) 111 Crop Production This subsector comprises establishments, such as farms, orchards, groves, greenhouses and nurseries, primarily engaged in growing crops, plants, vines, trees and their seeds (excluding those engaged in forestry 112 Animal Production This subsector comprises establishments, such as ranches, farms and feedlots, primarily engaged in raising animals, producing animal products and fattening animals. 1151 Support Activities for Crop Production This industry comprises establishments primarily engaged in providing support activities for growing crops. 1152 Support Activities for Animal Production This industry comprises establishments primarily engaged in providing support activities related to raising livestock, including companion animals. All Other Primary Industries (113, 114, 1153, and 21) 113 Forestry and Logging This subsector comprises establishments primarily engaged in growing and harvesting timber on a long production cycle (of ten years or more). 114 Fishing, Hunting and Trapping This subsector comprises establishments primarily engaged in harvesting fish and other wild animals from their natural habitats. 1153 Support Activities for Forestry This industry comprises establishments primarily engaged in performing particular support activities, related to harvesting timber. 21 Mining and Oil and Gas Extraction This sector comprises establishments primarily engaged in extracting naturally occurring minerals and engaged in exploration for minerals, development of mineral properties and mining operations. 22 Utilities This sector comprises establishments primarily engaged in operating electric, gas and water utilities. 23 Construction This sector comprises establishments primarily engaged in constructing, repairing and renovating buildings and engineering works, and in subdividing and developing land. 31-33 Manufacturing This sector comprises establishments primarily engaged in the physical or chemical transformation of materials or substances into new products. 41 Wholesale Trade This sector comprises establishments primarily engaged in wholesaling merchandise and providing related logistics, marketing and support services. The wholesaling process is generally an intermediate step in the distribution of merchandise and is therefore organized to sell merchandise in large quantities to retailers, and business and institutional.
44-45 Retail Trade This sector comprises establishments primarily engaged in retailing merchandise, generally without transformation, and rendering services incidental to the sale of merchandise. The retailing process is the final step in the distribution of merchandise and they are organized to sell merchandise in small quantities to the general public. 48-49 Transportation and Warehousing This sector comprises establishments primarily engaged in transporting passengers and goods, warehousing and storing goods, and providing services to these establishments. 51 Information and Cultural Industries This sector comprises establishments primarily engaged in creating and disseminating information and cultural products, such as written works, musical works or recorded performances, recorded dramatic performances, software and information databases, or providing the means to disseminate them. Establishments that provide access to equipment and expertise to process information are also included. This sector includes publishing industries, software publishing, the motion picture and sound recording industries, the broadcasting and telecommunications industries, and the information services and data processing industries. 52 Finance and Insurance This sector comprises establishments primarily engaged in financial transactions (transactions involving the creation, liquidation, or change in ownership of financial assets) or in facilitating financial transactions. 53 Real Estate and Rental and Leasing This sector comprises establishments primarily engaged in renting, leasing or otherwise allowing the use of tangible or intangible assets. 54 Professional, Scientific and Technical Services This sector comprises establishments primarily engaged in activities in which human capital is the major input. These establishments make available the knowledge and skills of their employees, often on an assignment basis. The main components of this sector are legal services industries, accounting and related services industries, architectural, engineering and related services industries, surveying and mapping services industries, design services industries, management, scientific and technical consulting services industries, scientific research and development services industries, and advertising services industries. 55 Management of Companies and Enterprises This sector comprises establishments primarily engaged in managing companies and enterprises and/or holding the securities or financial assets of companies and enterprises, for the purpose of owning a controlling interest in them and/or influencing their management decisions. 56 Administrative and Support, Waste Management and Remediation Services Two different types of establishments are included here: those primarily engaged in activities that support the day-to-day operations of other organizations; and those primarily engaged in waste management activities. 61 Educational Services This sector comprises establishments primarily engaged in providing instruction and training in a wide variety of subjects. This instruction and training is provided by specialized establishments, such as schools, colleges, universities and training centres. 62 Health Care and Social Assistance This sector comprises establishments primarily engaged in providing health care by diagnosis and treatment, providing residential care for medical and social reasons, and providing social assistance, such as counselling, welfare, child protection, community housing and food services, vocational rehabilitation and child care, to those requiring such assistance.
71 Arts, Entertainment and Recreation This sector comprises establishments primarily engaged in operating facilities or providing services to meet the cultural, entertainment and recreational interests of their patrons. They produce, promote or participate in live performances, events or exhibits intended for public viewing; provide the artistic, creative and technical skills necessary for the production of artistic products and live performances; preserve and exhibit objects and sites of historical, cultural or educational interest; and operate facilities or provide services that enable patrons to participate in sports or recreational activities or pursue amusement, hobbies and leisure-time interests. 72 Accommodation and Food Services This sector comprises establishments primarily engaged in providing short-term lodging and complementary services to travellers, vacationers and others, in facilities such as hotels, motor hotels, resorts, motels, casino hotels, bed and breakfast accommodation, housekeeping cottages and cabins, recreational vehicle parks and campgrounds, hunting and fishing camps, and various types of recreational and adventure camps. 81 Other Services (except Public Administration) This sector comprises establishments, not classified to any other sector, primarily engaged in repairing, or performing general or routine maintenance, on motor vehicles, machinery, equipment and other products to ensure that they work efficiently; providing personal care services, funeral services, laundry services and other services to individuals, such as pet care services and photo finishing services; organizing and promoting religious activities; supporting various causes through grant-making, advocating (promoting) various social and political causes, and promoting and defending the interests of their members. Private households are also included. 91 Public Administration This sector comprises establishments primarily engaged in activities of a governmental nature, that is, the enactment and judicial interpretation of laws and their pursuant regulations, and the administration of programs based on them.
Data Reliability Rating Code Description CV Range between a Excellent 0 and 4.99% b Very Good 5 and 9.99% c Good 10 and 14.99% d Acceptable 15 and 24.99% e Use with caution 25 and 49.99% f Unreliable >= 50% Instruments Term Instrument Term Loans Mortgage Loans Umbrella credit Other (please specify) Operating Instruments Line of Credit Credit Card Symbols Code Description x suppressed to meet the confidentiality requirements of the Statistics Act r revised 0.0 true zero or a value rounded to zero Note Figures may not add to totals due to rounding
Knowledge-Based Industries (KBIs) Introduction Knowledge based firms are considered the backbone of the new economy. They have been considered to be consistently outperforming the total economy in terms of growth and job creation since the 1970s. Because of their smaller size and the nature of their activities, they imply different challenges for traditional suppliers of finance. Typically, firms involved in pharmaceuticals, health biotech, new materials, telecommunications, information technology, software, medical equipment and avionics are considered to be in the knowledge-based industries. They have long product development cycles and their comparative advantage usually comes from innovative and creative people who make up the development team. These companies face particular financing challenges because of their lack of fixed assets, the difficulty that traditional lenders have in assessing their potential, and the unique operational risks they face. As a result of challenges faced by these firms in obtaining financing, we have been asked to undertake collection of data related to the knowledge based industries to see the extent of financing activities related to firms in these industries. Definition for KBI In 1996, based on research undertaken by Industry Canada and the Business Development Bank of Canada, a definition of knowledge-based industries (KBI) was developed using the Standard Industrial Classification (SIC). This has since been converted to the North American Industrial Classification System (NAICS). Since there was no single definition of KBI, Industry Canada proposed the use of a two-tiered categorization of industries that would be appropriate for identifying industries as KBI. * Tier I - a narrow band of science and technology-based firms, composed of knowledge producers; and * Tier II - a broad band of "high knowledge" firms which, based on measures of research and development and knowledge worker inputs, could be considered to be business innovators and high-knowledge users. These are the industries that are included in the Tier I group: NAICS 2002 Industry 325410 Pharmaceutical and Medicine Manufacturing 333310 Commercial and Service Industry Machinery Manufacturing 334110 Computer and Peripheral Equipment Manufacturing 334210 Telephone Apparatus Manufacturing 334220 Radio and Television Broadcasting and Wireless Communications Equipment Manufacturing 334290 Other Communications Equipment Manufacturing 334310 Audio and Video Equipment Manufacturing 334410 Semi-Conductor and Other Electronic Component Manufacturing 334511 Navigational and Guidance Instruments Manufacturing 334512 Measuring, Medical and Controlling Devices Manufacturing 335920 Communication and Energy Wire and Cable Manufacturing 336410 Aerospace Products and Parts Manufacturing 511210 Software Publishers 512110 Motion Picture and Video Production 512190 Post-Production and Other Motion Picture and Video Industries 515210 Pay and Specialty Television 517110 Wired Telecommunications Carriers 517210 Wireless Telecommunications Carriers (Except Satellite) 517310 Telecommunications Resellers 517410 Satellite Telecommunications 517510 Cable and Other Program Distribution 517910 Other Telecommunications 518210 Data Processing, Hosting and Related Services 541360 Geophysical Surveying and Mapping Services 541370 Surveying and Mapping (Except Geophysical) Services 541380 Testing Laboratories 541510 Computer Systems Design and Related Services 541620 Environmental Consulting Services 541690 Other Scientific and Technical Consulting Services 541710 Research and Development in the Physical, Engineering and Life Sciences
These are the industries that are included in the Tier II group: NAICS 2002 Industry 221111 Hydro-Electric Power Generation 221112 Fossil-Fuel Electric Power Generation 221113 Nuclear Power Generation 221119 Other Electric Power Generation 221121 Electric Bulk Power Transmission and Control 221122 Electric Power Distribution 324110 Petroleum Refineries 324121 Asphalt Paving Mixture and Block Manufacturing 324190 Other Petroleum and Coal Products Manufacturing 325110 Petrochemical Manufacturing 325120 Industrial Gas Manufacturing 325130 Synthetic Dye and Pigment Manufacturing 325181 Alkali and Chlorine Manufacturing 325189 All Other Basic Inorganic Chemical Manufacturing 325190 All Other Basic Organic Chemical Manufacturing 325210 Resin and Synthetic Rubber Manufacturing 325313 Chemical Fertilizer (except Potash) Manufacturing 325314 Mixed Fertilizer Manufacturing 325320 Pesticide and Other Agricultural Chemical Manufacturing 325520 Adhesive Manufacturing 325910 Printing Ink Manufacturing 325920 Explosives Manufacturing 325991 Custom Compounding of Purchased Resins 325999 All Other Miscellaneous Chemical Product Manufacturing 332991 Ball and Roller Bearing Manufacturing 333110 Agricultural Implement Manufacturing 333120 Construction Machinery Manufacturing 333130 Mining and Oil and Gas Field Machinery Manufacturing 333210 Sawmill and Woodworking Machinery Manufacturing 333220 Rubber and Plastics Industry Machinery Manufacturing 333291 Paper Industry Machinery Manufacturing 333299 All Other Industrial Machinery Manufacturing 333413 Industrial and Commercial Fan and Blower and Air Purification Equipment Manufacturing 333416 Heating Equipment and Commercial Refrigeration Equipment Manufacturing 333611 Turbine and Turbine Generator Sets Units Manufacturing 333619 Other Engine and Power Transmission Equipment Manufacturing 333910 Pump and Compressor Manufacturing 333920 Material Handling Equipment Manufacturing 333990 All Other General-Purpose Machinery Manufacturing 335311 Power Distribution and Specialty Transformers Manufacturing 335312 Motor and Generator Manufacturing 335315 Switchgear and Switchboard, and Relay and Industrial Control Apparatus Manufacturing 336320 Motor Vehicle and Electronic Equipment Manufacturing 486110 Pipeline Transportation of Crude Oil 486210 Pipeline Transportation of Natural Gas 486910 Pipeline Transportation of Refined Petroleum Products 486990 All Other Pipeline Transportation 541310 Architectural Services 541320 Landscape Architectural Services 541330 Engineering Services 541340 Drafting Services Page 18
Table B2-B4E. Debt financing provided by credit unions and caisses populaires to enterprises in Canada (as of December 31, 2008) by geography and by authorization size. Credit unions,caisses populaires Debt financing (as of December 31, 2008) Province or territory Authorization level of client Less than $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 $1,000,000 - $4,999,999 $5,000,000 or more All authorization size * Variable Newfoundland and Labrador Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon Northwest Territories Nunavut Total Canada Estimate 2,508 9,944 18,629 29,346 141,923 101,883 191,179 388,591 89,268 193,402 - - - 1,166,673 Estimate 1,643 7,458 10,990 13,122 55,047 54,022 116,720 160,358 43,689 76,784 - - - 539,833 Estimate 143 632 1,731 2,387 10,593 8,229 20,118 31,613 8,493 17,585 - - - 101,524 Estimate x 17,842 29,890 x 341,509 170,248 231,901 556,365 138,391 217,305 - - - 1,748,026 Estimate x 14,897 20,131 x 159,334 115,814 154,648 284,903 79,098 115,784 - - - 968,559 Estimate x 413 822 x 10,025 4,369 6,315 14,676 4,037 5,830 - - - 47,723 Estimate x 28,130 45,677 x 975,560 301,499 483,756 859,318 280,680 336,514 - - - 3,420,207 Estimate x 23,091 30,091 x 498,544 203,449 349,318 481,478 165,052 208,484 - - - 2,017,578 Estimate x 336 648 x 14,242 4,115 6,577 11,755 4,176 4,699 - - - 48,096 Estimate x 56,090 90,438 x 3,541,276 947,310 1,032,931 1,676,043 793,831 1,006,631 - - - 9,371,921 Estimate x 41,760 69,137 x 2,025,231 696,354 749,815 1,078,918 534,246 691,893 - - - 6,037,303 Estimate x 347 585 x 22,662 5,732 6,308 10,548 5,083 6,002 - - - 58,683 Estimate x 45,000 48,001 x 3,884,414 1,051,261 814,543 938,929 908,491 1,440,989 - - - 9,301,658 Estimate x 33,391 33,884 x 2,306,943 806,253 605,314 562,992 653,865 1,108,412 - - - 6,218,817 Estimate x 118 141 x 11,295 2,977 2,219 2,824 2,639 3,848 - - - 26,546 Estimate x 25,232 41,258 x 5,027,292 1,120,833 786,417 792,949 1,033,805 1,698,155 - - - 10,694,226 Estimate x 19,183 24,337 x 2,972,636 875,268 569,414 452,836 778,869 1,360,364 - - - 7,156,049 Estimate x 31 62 x 7,294 1,553 1,065 1,238 1,514 2,385 - - - 15,391 Estimate x 31,544 x x 11,815,175 2,600,793 1,739,849 1,869,771 2,378,861 5,319,293 - - - 26,151,216 Estimate x 25,393 x x 6,921,747 2,018,566 1,311,520 837,034 1,856,535 4,377,192 - - - 17,553,685 Estimate x 19 x x 6,241 1,173 854 1,040 1,192 2,440 - - - 13,169 Estimate x 27,799 x x 15,824,163 6,378,770 960,345 927,455 2,885,294 5,065,064 - - - 32,272,409 Estimate x 23,282 x x 6,903,240 3,689,929 669,222 427,143 1,223,292 3,757,442 - - - 16,739,827 Estimate x 4 x x 1,025 196 106 136 174 447 - - - 2,116 Estimate x 241,581 414,639 x 41,551,312 12,672,597 6,240,921 8,009,421 8,508,621 15,277,353 - - - 94,126,336 Estimate x 188,455 208,222 x 21,842,722 8,459,655 4,525,971 4,285,662 5,334,646 11,696,355 - - - 57,231,651 Estimate x 1,900 4,026 x 83,377 28,344 43,562 73,830 27,308 43,236 - - - 313,248 *Note: This table allocates 100% of credit union lending to the province where the credit union is located. Column totals may not correspond with credit union amounts in table B4 (debt financing by province/territory of client business) due to legislative changes allowing interprovincial lending.
Table B2-B4E. Debt financing provided by credit unions and caisses populaires to enterprises in Canada (as of December 31, 2007) by geography and by authorization size. Credit unions,caisses populaires Debt financing (as of December 31, 2007) Province or territory Authorization level of client Less than $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 $1,000,000 - $4,999,999 $5,000,000 or more All authorization size * Variable Newfoundland and Labrador Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon Northwest Territories Nunavut Total Canada Estimate 2,333 13,668 20,808 26,496 161,448 110,939 209,952 399,041 64,796 180,202 - - - 1,189,683 Estimate 1,539 10,112 15,042 11,408 60,544 57,214 131,852 176,743 31,446 62,894 - - - 558,794 Estimate 135 869 1,923 2,290 12,261 8,608 22,241 30,699 6,281 18,396 - - - 103,703 Estimate x 23,218 25,281 40,630 379,665 142,105 267,355 517,320 103,024 202,945 - - - 1,702,634 Estimate x 18,533 18,687 21,749 171,152 87,400 179,081 278,708 56,323 96,099 - - - 928,308 Estimate x 560 692 1,140 11,171 3,925 7,288 13,174 3,031 6,230 - - - 47,247 Estimate x 40,808 39,731 91,426 1,068,590 297,436 522,845 854,608 208,234 301,677 - - - 3,427,177 Estimate x 32,369 30,832 53,457 541,491 204,386 377,307 498,771 119,578 183,444 - - - 2,042,601 Estimate x 484 549 x 15,602 4,062 7,230 11,443 3,102 4,511 - - - 48,317 Estimate x 57,892 78,659 x 3,650,044 882,298 1,057,276 1,400,033 622,334 905,092 - - - 8,866,139 Estimate x 42,757 62,916 132,936 2,085,545 652,547 764,012 887,026 400,332 652,136 - - - 5,684,875 Estimate x 334 524 x 23,374 5,556 6,674 8,808 3,992 5,790 - - - 56,394 Estimate x 43,357 41,895 163,078 3,774,036 931,901 815,765 902,827 700,374 1,302,785 - - - 8,684,428 Estimate x 32,656 31,566 102,565 2,243,331 721,994 602,350 573,740 493,107 1,023,768 - - - 5,830,888 Estimate x 121 133 465 10,925 2,699 2,258 2,645 2,037 3,685 - - - 24,992 Estimate x 35,550 14,677 x 4,967,003 935,940 824,820 761,456 790,422 1,680,619 - - - 10,173,903 Estimate x 25,898 11,107 x 2,954,032 747,512 598,178 454,811 556,989 1,360,172 - - - 6,808,589 Estimate x 46 26 x 7,193 1,355 1,176 1,137 1,163 2,438 - - - 14,774 Estimate x x x x 11,063,435 2,049,872 1,707,240 1,672,147 1,639,949 4,769,783 - - - 23,250,700 Estimate x x x x 6,430,240 1,647,621 1,252,524 838,487 1,233,355 3,987,718 - - - 15,582,164 Estimate x x x x 5,818 997 876 894 835 2,261 - - - 11,877 Estimate x x x x 12,800,525 2,443,891 841,880 744,440 2,334,503 4,933,532 - - - 24,224,256 Estimate x x x x 5,028,299 1,520,913 557,954 329,563 962,578 3,341,794 - - - 11,788,488 Estimate x x x x 861 156 107 108 108 445 - - - 1,803 Estimate x 257,574 238,615 x 37,864,746 7,794,382 6,247,133 7,251,872 6,463,636 14,276,635 - - - 81,518,920 Estimate x 189,515 185,048 x 19,514,634 5,639,587 4,463,258 4,037,849 3,853,708 10,708,025 - - - 49,224,707 Estimate x 2,429 3,858 x 87,205 27,358 47,850 68,908 20,549 43,756 - - - 309,107 *Note: This table allocates 100% of credit union lending to the province where the credit union is located. Column totals may not correspond with credit union amounts in table B4 (debt financing by province/territory of client business) due to legislative changes allowing interprovincial lending.
Table B2-B4E. Debt financing provided by credit unions and caisses populaires to enterprises in Canada (as of December 31, 2006) by geography and by authorization size. Credit unions,caisses populaires Authorization level of client Less than $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 $1,000,000 - $4,999,999 $5,000,000 or more All authorization size * Debt financing (as of December 31, 2006) Variable Province or territory Newfoundland Prince Edward Nova Scotia New Quebec Ontario Manitoba Saskatchewan Alberta British Yukon Northwest Nunavut Total and Labrador Island Brunswick Columbia Territories Canada Estimate x 13,223 21,701 x 177,327 103,423 209,657 441,396 65,622 169,710 - - - 1,262,803 Estimate x 8,826 14,879 x 69,220 54,549 129,385 232,496 33,601 61,878 - - - 635,169 Estimate x 953 2,171 x 13,682 8,018 21,946 39,692 6,262 17,332 - - - 115,237 Estimate 1,586 19,550 24,871 85,240 412,470 146,727 291,920 582,525 107,148 179,534 - - - 1,851,571 Estimate 902 14,413 16,747 52,869 191,642 91,720 192,724 335,028 60,591 93,254 - - - 1,049,890 Estimate 51 490 666 2,561 12,125 3,968 7,558 15,882 3,049 5,415 - - - 51,765 Estimate x 40,786 42,045 x 1,119,984 328,457 553,571 961,496 229,705 296,005 - - - 3,696,155 Estimate x 30,342 30,870 x 579,274 229,841 395,346 595,415 136,552 192,486 - - - 2,268,179 Estimate x 478 597 x 16,355 4,488 7,573 13,723 3,283 4,273 - - - 52,600 Estimate x x 77,623 215,245 3,630,603 928,033 1,024,343 1,405,661 667,263 893,102 - - - 8,898,068 Estimate x x 62,636 150,314 2,083,001 679,866 734,763 920,865 437,207 647,831 - - - 5,759,946 Estimate x x 527 1,451 23,299 5,795 6,667 9,384 4,112 5,628 - - - 57,233 Estimate x x 43,025 142,254 3,601,431 924,547 779,425 867,605 748,809 1,187,741 - - - 8,344,553 Estimate x x 31,332 93,713 2,135,303 690,741 589,511 568,194 524,090 941,588 - - - 5,610,596 Estimate x x 130 424 10,397 2,688 2,181 2,634 2,115 3,371 - - - 24,084 Estimate x x 18,513 114,086 4,732,907 939,771 777,300 646,023 784,909 1,589,728 - - - 9,644,421 Estimate x x 13,750 67,646 2,869,001 716,743 575,896 393,185 556,819 1,311,607 - - - 6,535,119 Estimate x x 28 176 6,838 1,384 1,100 1,008 1,104 2,296 - - - 13,995 Estimate x 25,697 11,130 x 9,943,453 2,074,464 1,553,908 1,384,446 1,533,734 4,067,471 - - - 20,798,767 Estimate x 20,105 9,911 x 5,781,553 1,509,100 1,154,432 740,833 1,147,262 3,345,382 - - - 13,807,490 Estimate x 17 9 x 5,271 1,038 824 757 775 1,959 - - - 10,769 Estimate - x - x 10,803,732 2,597,263 734,466 530,960 1,505,593 3,845,839 - - - 20,059,253 Estimate - x - x 4,059,741 1,227,941 484,697 206,440 499,865 2,504,634 - - - 9,003,158 Estimate - x - x 719 166 88 78 94 348 - - - 1,499 Estimate x 243,720 238,908 x 34,421,907 8,042,685 5,924,590 6,820,112 5,642,783 12,229,130 - - - 74,555,591 Estimate x 178,898 180,125 x 17,768,735 5,200,501 4,256,754 3,992,456 3,395,987 9,098,660 - - - 44,669,547 Estimate x 2,437 4,128 x 88,686 27,545 47,937 83,158 20,794 40,622 - - - 327,182
Table B2-B4E. Debt financing provided by credit unions and caisses populaires to enterprises in Canada (as of December 31, 2005) by geography and by authorization size. Credit unions,caisses populaires Debt financing (as of December 31, 2005) Province or territory Authorization level of client Less than $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 $1,000,000 - $4,999,999 $5,000,000 or more All authorization size * Variable Newfoundland and Labrador Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon Northwest Territories Nunavut Total Canada Estimate 2,199 13,851 15,531 64,141 207,918 106,321 219,635 495,074 82,423 185,089 - - - 1,392,182 Estimate 1,542 8,639 11,046 32,445 80,715 56,216 140,556 288,993 42,931 78,444 - - - 741,527 Estimate 153 920 2,164 5,697 16,331 9,181 21,769 43,319 7,779 22,677 - - - 129,990 Estimate 1,241 19,007 21,280 83,400 458,446 217,524 292,839 602,748 138,239 176,032 - - - 2,010,756 Estimate 692 14,657 15,941 48,091 214,252 151,021 202,373 376,169 78,529 89,474 - - - 1,191,199 Estimate 39 436 622 2,423 13,449 5,595 8,304 16,424 4,036 5,362 - - - 56,690 Estimate 2,367 44,472 37,384 139,038 1,199,237 344,313 528,257 915,105 277,584 274,831 - - - 3,762,588 Estimate 1,624 33,706 29,400 85,464 632,129 239,892 379,826 593,004 169,327 172,943 - - - 2,337,315 Estimate 35 669 576 2,050 17,479 4,869 7,550 13,078 4,090 4,065 - - - 54,461 Estimate 8,404 64,618 67,179 221,629 3,692,734 976,614 951,555 1,205,199 748,355 895,667 - - - 8,831,954 Estimate 6,006 51,247 53,859 147,218 2,138,627 710,589 695,129 810,041 506,732 656,867 - - - 5,776,315 Estimate 53 433 492 1,467 23,710 6,293 5,974 8,210 4,866 5,753 - - - 57,251 Estimate x x 44,871 146,060 3,539,903 975,569 735,897 757,333 682,313 1,135,226 - - - 8,070,574 Estimate x x 35,355 92,916 2,123,288 727,475 542,885 518,318 487,901 884,970 - - - 5,452,473 Estimate x x 142 435 10,222 2,900 2,018 2,496 2,014 3,289 - - - 23,660 Estimate x x 20,981 118,209 4,555,837 1,023,793 728,243 514,221 655,600 1,375,029 - - - 9,030,005 Estimate x x 15,487 69,640 2,802,249 786,764 551,932 327,202 467,302 1,115,240 - - - 6,164,776 Estimate x x 33 181 6,603 1,497 1,012 847 975 2,007 - - - 13,208 Estimate x 28,475 10,226 x 9,105,142 1,916,052 1,328,662 1,123,025 1,132,391 3,522,622 - - - 18,369,757 Estimate x 21,219 7,901 x 5,254,582 1,380,271 1,001,810 620,530 832,836 2,862,019 - - - 12,079,796 Estimate x 20 7 x 4,899 968 670 626 635 1,734 - - - 9,674 Estimate x x - x 9,265,708 2,288,060 610,385 450,859 1,342,942 2,497,311 - - - 16,512,187 Estimate x x - x 3,134,622 1,007,816 410,978 150,558 336,017 1,694,215 - - - 6,761,907 Estimate x x - x 633 142 71 77 76 256 - - - 1,262 Estimate 55,174 268,488 217,452 985,027 32,024,925 7,848,246 5,395,473 6,063,564 5,059,847 10,061,807 - - - 67,980,003 Estimate 38,184 198,292 168,989 573,285 16,380,464 5,060,044 3,925,489 3,684,814 2,921,575 7,554,172 - - - 40,505,308 Estimate 314 2,648 4,036 12,368 93,326 31,445 47,368 85,076 24,471 45,143 - - - 346,195
Table B2-B4E. Debt financing provided by credit unions and caisses populaires to enterprises in Canada (as of December 31, 2004) by geography and by authorization size. Credit unions,caisses populaires Debt financing (as of December 31, 2004) Province or territory Authorization level of client Less than $25,000 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 $1,000,000 - $4,999,999 $5,000,000 or more All authorization size * Variable Newfoundland and Labrador Prince Edward Island Nova Scotia New Brunswick Quebec Ontario Manitoba Saskatchewan Alberta British Columbia Yukon Northwest Territories Nunavut Total Canada Estimate 2,375 12,344 18,419 67,128 244,022 140,217 224,674 503,495 95,117 214,529 - - - 1,522,320 Estimate 1,419 9,209 11,766 36,064 107,219 72,166 140,347 305,990 53,528 94,573 - - - 832,281 Estimate 177 1,073 2,450 6,401 19,443 10,876 23,459 41,717 8,945 22,317 - - - 136,858 Estimate 1,562 18,675 22,664 82,359 512,213 194,749 285,526 597,732 149,562 176,457 - - - 2,041,499 Estimate 818 12,384 16,900 49,954 267,964 127,953 195,704 388,828 88,705 95,223 - - - 1,244,433 Estimate 48 503 664 2,390 15,017 5,447 7,902 15,708 4,297 5,196 - - - 57,172 Estimate 3,013 41,911 37,356 136,228 1,281,428 385,969 491,991 878,281 299,621 280,337 - - - 3,836,135 Estimate 1,847 31,593 28,866 87,645 762,469 267,270 350,965 594,442 192,390 179,843 - - - 2,497,330 Estimate 46 651 576 2,000 18,708 5,478 6,834 12,263 4,334 3,940 - - - 54,830 Estimate 8,924 63,368 69,050 214,777 3,698,381 948,415 880,951 1,143,872 731,671 910,655 - - - 8,670,064 Estimate 6,191 50,239 55,929 145,382 2,117,363 696,805 639,591 807,966 508,380 674,726 - - - 5,702,572 Estimate 59 438 502 1,404 23,855 6,086 5,513 7,575 4,735 5,667 - - - 55,834 Estimate x 43,417 34,739 114,209 3,543,526 909,140 725,058 650,190 x 1,102,103 - - - 7,748,228 Estimate x 32,103 27,208 77,059 2,105,543 682,590 541,915 466,207 x 872,659 - - - 5,254,084 Estimate x 127 116 342 10,246 2,701 1,936 2,061 x 3,112 - - - 22,485 Estimate x 33,337 16,370 104,039 4,486,448 886,765 650,232 525,199 x 1,240,774 - - - 8,500,287 Estimate x 27,872 11,189 65,680 3,127,577 670,963 490,275 319,067 x 1,002,203 - - - 6,120,303 Estimate x 48 27 158 6,507 1,304 924 796 x 1,804 - - - 12,401 Estimate x x 9,829 x 8,205,905 1,605,699 1,226,544 1,026,831 807,027 2,960,017 - - - 16,018,064 Estimate x x 9,164 x 4,282,494 1,194,643 920,828 516,937 607,621 2,377,573 - - - 10,015,582 Estimate x x 6 x 4,470 822 678 494 469 1,453 - - - 8,493 Estimate x x - x 8,096,124 1,500,066 441,813 1,077,683 1,179,257 1,787,062 - - - 14,128,821 Estimate x x - x 2,703,189 614,894 278,841 444,972 250,918 1,204,786 - - - 5,514,175 Estimate x x - x 549 101 56 96 57 202 - - - 1,068 Estimate 57,887 263,885 208,427 864,204 30,068,047 6,571,020 4,926,789 6,403,283 4,429,942 8,671,934 - - - 62,465,418 Estimate 37,815 195,456 161,022 537,609 15,473,818 4,327,284 3,558,466 3,844,409 2,543,295 6,501,586 - - - 37,180,760 Estimate 368 2,861 4,341 12,774 98,795 32,815 47,302 80,710 25,484 43,691 - - - 349,141