Higher loan loss reserves weigh on earnings
Lower interest rates push November sales higher in Toronto and Montreal
Rising expenses are impacting households across income brackets
However, affordability remains a concern
Only two sectors make up nearly 60% of loans
Experts predict a seller's market in nearly half the nation’s housing regions
Mortgage holders benefit, but first-time credit users continue to struggle
Changes signal a new phase for the company
Executive describes immigrants as ‘the lifeblood of Canada’ amid a government pullback on immigration numbers