2009-12-31

OSFI Stress Testing Guideline (2009)

OSFI’s 2009 Stress Testing Guideline mandates federally regulated financial institutions to implement robust, enterprise-wide stress testing programs that directly inform risk appetite, capital allocation, and strategic planning. The framework requires senior management oversight, documented policies, and flexible information systems to ensure stress tests accurately identify vulnerabilities across credit, market, insurance, liquidity, and concentration risks. It further emphasizes targeted assessments of securitization, reputational exposure, counterparty credit risk, and reverse stress testing, with OSFI actively integrating these results into its supervisory reviews and internal capital adequacy assessments.

Canada

Office of the Superintendent of Financial Institutions

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