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16.04.2025

BoC maintains its benchmark interest rate at 2.75%, as expected

The Bank of Canada (BoC) kept its benchmark interest rate unchanged at 2.75 per cent on Wednesday. Market participants had mostly expected the rate to remain hold in April.

In its policy statement, the Canadian central bank noted:

- Shift in direction of U.S. trade policy and the unpredictability of tariffs have increased uncertainty, diminished prospects for economic growth, and raised inflation expectations;

- Pervasive uncertainty makes it unusually challenging to project GDP growth and inflation in Canada and globally;

- If uncertainty is high but U.S. tariffs are limited in scope (scenario 1), Canadian growth is expected to weaken temporarily and inflation to remain around the 2% target;

- In case of a protracted trade war (scenario 2), Canada’s economy is seen to fall into recession this year and inflation rises temporarily above 3% next year;

- Many other trade policy scenarios are possible. There is also an unusual degree of uncertainty about the economic outcomes within any scenario, since the magnitude and speed of the shift in US trade policy are unprecedented;

- Extreme financial market volatility is adding to uncertainty;

- CAD has recently appreciated as a result of broad USD weakness;

- Canada’s economy is slowing as tariff announcements and uncertainty pull down consumer and business confidence. Trade tensions are also disrupting recovery in the labour market;

- Lower global oil prices are expected to dampen inflation in the near term;

- Tariffs and supply chain disruptions may push up some prices. How much upward pressure this puts on inflation will depend on the evolution of tariffs and how quickly businesses pass on higher costs to consumers;

- Short-term inflation expectations have moved up, as businesses and consumers anticipate higher costs from trade conflict and supply disruptions;

- Longer-term inflation expectations are little changed;

- Governing Council will continue to assess the timing and strength of both the downward pressures on inflation from a weaker economy and the upward pressures on inflation from higher costs;

- Focus will be on ensuring that Canadians continue to have confidence in price stability through this period of global upheaval;

- BoC will support economic growth while ensuring that inflation remains well-controlled;

- Governing Council will proceed carefully, with particular attention to the risks and uncertainties facing the Canadian economy;

- Monetary policy cannot resolve trade uncertainty or offset the impacts of a trade war. What it can and must do is maintain price stability for Canadians

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