FINWIRES · TerminalLIVE
FINWIRES

Bank of Canada Minutes Reveal A Neutral Stance, Not Hawkish, Says Rosenberg Research

By

The Bank of Canada's minutes for its April 29 rate decision were released on Wednesday, notes Rosenberg Research.

"By far", it said, the most important quote was: "With slack in the labour market and excess supply in the economy, businesses would be less likely to pass higher costs on to consumers. Given this starting point, and with the policy interest rate on the stimulative end of the range for the neutral rate of interest, members agreed they could look through the initial inflation shock from higher oil prices."

In other words, the research added, the "calm" CPI-trim and CPI-median measures and the weak labor market in Canada will stall any immediate rush to raise rates. The warnings were all about the risk that inflation would become "more persistent" in a sustained oil shock.

On balance, the minutes are still more hawkish than prior, but are explicitly two-sided and keep both cuts and hikes on the table, said the research. Hard to square that with the nearly two hikes that are still priced in, it added.

The BoC also touched on the housing market, which has been persistently weak, the research noted. The BoC described housing weakness as at least partly structural -- based on slower population growth and a lack of affordability -- rather than entirely cyclical.

Rosenberg said: "This is partly an exercise in blame-shifting: if it isn't entirely cyclical, the BoC's rate policy isn't the only cause. This might be true -- but we still assesses that the slow pace of easing in the last 18 months was a contributing factor to current housing weakness."

Related Articles

Treasury

BMO Notes A "Late Thaw" in Canada's April Existing Home Sales

Canadian existing home sales nudged up 0.7% month over month in April from March in seasonally adjusted terms, but no one is going to mistake this for a sign of spring for the chilly housing market, said Bank of Montreal on Thursday.Sales remain 4% below last year's "anemic" levels and about 10% below normal April levels, added the bank, while noting that with new listings edging up, the sales balance turned further against sellers and prices receded a bit further yet.The MLS Home Price Index dipped another 0.1% last month, pulling prices down 4.0% from year-ago levels and a towering 20.5% below the peaks hit just over four years ago -- at the very height of the pandemic housing frenzy in February 2022.While the price declines appear to be ebbing, the reality is that with the national sales-to-new listings ratio dropping to 45.6% in April, there is little prospect for a quick turn anytime soon, said BMO.The Canadian Real Estate Association (CREA) suggests that a ratio between 45% and 65% is consistent with a balanced market. The ratio is scraping the very low end of that generous range, and BMO asserts that 45% is more consistent with falling prices.In fact, some further softness in prices may be precisely what's required to more fully return the Canadian housing market to normal affordability, the bank said. While the big decline in interest rates and home prices over the past few years has improved affordability from the dire circumstances in 2023, Canada is still not back to long-term norms, it added.With the prospect of additional interest rate cuts all but erased -- indeed, market pricing anticipates interest rate hikes ahead -- that leaves only a further decline in prices as the avenue to improved affordability, said BMO. Suffice it to say that if the Bank of Canada actually follows up on its musing about possible "consecutive" rate hikes, sales and, ultimately, prices will surely fall "heavily," it added.As it is, BMO noted, five-year bond yields are now up 30 bps from their average of the past year, already acting as a dampener on the market, without the BoC even lifting a finger.While there are still substantial regional differences, much of the country is dealing with generally "chilly" activity, it said.Expectations for a marked recovery in Canadian housing activity have been dialed back again, with sales dampened by consumer caution amid the upswing in oil-driven inflation and the related rise in long-term interest rates. Given lingering affordability issues in many regions of the country, and the now-distant prospect of any further rate cuts by the BoC, it's tough to see the market springing to life anytime soon, according to BMO.

$$CXY
Treasury

Canada's Wholesale Trade Rise a Tad Better Than Expected in March, says StatsCan

Canadian wholesale sales, excluding oil, oil products, and other hydrocarbons and excluding oilseed and grain, rose 1.9% month over month to $89.0 billion in March, said the country's statistical agency on Thursday.March's rise was slightly better than the 1.3% month-over-month consensus figure provided by Scotiabank.Sales increased in five of the seven subsectors, representing 79.6% of total wholesale sales, noted Statistics Canada in a statement. The largest increase came from the machinery, equipment and supplies subsector.Wholesale sales were 3.3% higher in March than in the same month one year earlier.In volume terms, wholesale sales excluding oil, oil products, and other hydrocarbons and excluding oilseed and grain increased 1.7% month over month in March.Wholesale inventories, excluding oil, oil products, and other hydrocarbons and excluding oilseed and grain, increased by 0.3% month over month to $137.2 billion in March, pointed out StatsCan.Inventories rose in three of the seven subsectors in March, with the largest increases occurring in the machinery, equipment and supplies subsector (2.0% to $41.4 billion) and the food, beverage and tobacco subsector (0.5% to $15.6 billion).The inventory-to-sales ratio decreased from 1.57 in February to 1.54 in March. This ratio measures the number of months required to exhaust inventories if sales remain at their current levels.

$$CXY
Treasury

Brief: Canada's Wholesale Trade Up 1.9% M/M in March; Scotiabank Says Consensus Saw 1.3% M/M Gain

$$CXY