<?xml version="1.0" encoding="UTF-8"?>
<data>
<terms url="https://www.bankofcanada.ca/terms/"></terms>
<groupDetail>
    <label>Monitoring payment deferrals during the COVID-19 pandemic</label>
    <description><![CDATA[Monitoring payment deferrals during the COVID-19 pandemic]]></description>
    <link>https://www.bankofcanada.ca/?p=217127</link>
</groupDetail>
<seriesDetail>
<series id="FSHUB_20201105_C1_S1">
<label>Peak</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C1_S2">
<label>As of September 2020</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C2_S1">
<label>Share of borrowers deferring payments</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C2_S2">
<label>Share of borrowers</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C3_S1">
<label>Renters</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C3_S2">
<label>Homeowners with a mortgage</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C4A_S1">
<label>%</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C4B_S1">
<label>%</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C5A_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C5A_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C5B_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C5B_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6A_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6A_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6A_S3">
<label>Typical arrears</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6B_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6B_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6B_S3">
<label>Typical arrears</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6C_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6C_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6C_S3">
<label>Typical arrears</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6D_S1">
<label>Deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6D_S2">
<label>Not deferring</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C6D_S3">
<label>Typical arrears</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C7_S1">
<label>Active</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C7_S2">
<label>Ended</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C8A_S1">
<label>All accounts, pre-pandemic</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C8A_S2">
<label>Expired deferrals</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C8B_S1">
<label>Renters</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
<series id="FSHUB_20201105_C8B_S2">
<label>Homeowners</label>
<description></description>
<dimension key="k" name="Category"/>
</series>
</seriesDetail>
<observations>
<o k="Mortgages"><v s="FSHUB_20201105_C1_S1">15.7</v><v s="FSHUB_20201105_C1_S2">8.2</v><v s="FSHUB_20201105_C7_S1">52</v><v s="FSHUB_20201105_C7_S2">48</v><v s="FSHUB_20201105_C8A_S1">0.5</v><v s="FSHUB_20201105_C8A_S2">0.2</v><v s="FSHUB_20201105_C8B_S2">0.2</v></o>
<o k="Ontario"><v s="FSHUB_20201105_C2_S1">40</v><v s="FSHUB_20201105_C2_S2">43</v></o>
<o k="Could not pay due to pandemic-related decline in household income"><v s="FSHUB_20201105_C3_S1">44.05</v><v s="FSHUB_20201105_C3_S2">42.96</v></o>
<o k="Single mortgage"><v s="FSHUB_20201105_C4A_S1">43</v></o>
<o k="Single credit card"><v s="FSHUB_20201105_C4B_S1">42</v></o>
<o k="Subprime"><v s="FSHUB_20201105_C5A_S1">9</v><v s="FSHUB_20201105_C5A_S2">11</v><v s="FSHUB_20201105_C5B_S1">18</v><v s="FSHUB_20201105_C5B_S2">13</v></o>
<o k="0–10"><v s="FSHUB_20201105_C6A_S1">29</v><v s="FSHUB_20201105_C6A_S2">60</v><v s="FSHUB_20201105_C6A_S3">16</v><v s="FSHUB_20201105_C6B_S1">25</v><v s="FSHUB_20201105_C6B_S2">59</v><v s="FSHUB_20201105_C6B_S3">8</v><v s="FSHUB_20201105_C6C_S1">11</v><v s="FSHUB_20201105_C6C_S2">51</v><v s="FSHUB_20201105_C6C_S3">6</v><v s="FSHUB_20201105_C6D_S1">9</v><v s="FSHUB_20201105_C6D_S2">64</v><v s="FSHUB_20201105_C6D_S3">4</v></o>
<o k="Installment and auto loans"><v s="FSHUB_20201105_C1_S1">6.3</v><v s="FSHUB_20201105_C1_S2">2.0</v><v s="FSHUB_20201105_C8A_S1">1.5</v><v s="FSHUB_20201105_C8A_S2">1.5</v><v s="FSHUB_20201105_C8B_S1">2.0</v><v s="FSHUB_20201105_C8B_S2">0.8</v></o>
<o k="Quebec"><v s="FSHUB_20201105_C2_S1">14</v><v s="FSHUB_20201105_C2_S2">15</v></o>
<o k="Could not pay due to reasons unrelated to COVID-19"><v s="FSHUB_20201105_C3_S1">15.73</v><v s="FSHUB_20201105_C3_S2">18.64</v></o>
<o k="Single non-mortgage loan"><v s="FSHUB_20201105_C4A_S1">27</v></o>
<o k="Single line of credit"><v s="FSHUB_20201105_C4B_S1">3</v></o>
<o k="Near prime"><v s="FSHUB_20201105_C5A_S1">19</v><v s="FSHUB_20201105_C5A_S2">15</v><v s="FSHUB_20201105_C5B_S1">24</v><v s="FSHUB_20201105_C5B_S2">15</v></o>
<o k="11–20"><v s="FSHUB_20201105_C6A_S1">13</v><v s="FSHUB_20201105_C6A_S2">10</v><v s="FSHUB_20201105_C6A_S3">3</v><v s="FSHUB_20201105_C6B_S1">9</v><v s="FSHUB_20201105_C6B_S2">9</v><v s="FSHUB_20201105_C6B_S3">3</v><v s="FSHUB_20201105_C6C_S1">6</v><v s="FSHUB_20201105_C6C_S2">5</v><v s="FSHUB_20201105_C6C_S3">1</v><v s="FSHUB_20201105_C6D_S1">5</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">1</v></o>
<o k="Installment  and auto loans"><v s="FSHUB_20201105_C7_S1">32</v><v s="FSHUB_20201105_C7_S2">68</v></o>
<o k="HELOCs"><v s="FSHUB_20201105_C1_S1">1.6</v><v s="FSHUB_20201105_C1_S2">0.7</v><v s="FSHUB_20201105_C7_S1">46</v><v s="FSHUB_20201105_C7_S2">54</v><v s="FSHUB_20201105_C8A_S1">0.3</v><v s="FSHUB_20201105_C8A_S2">0.4</v><v s="FSHUB_20201105_C8B_S2">0.4</v></o>
<o k="British Columbia"><v s="FSHUB_20201105_C2_S1">14</v><v s="FSHUB_20201105_C2_S2">15</v></o>
<o k="Requested as a precaution"><v s="FSHUB_20201105_C3_S1">23.18</v><v s="FSHUB_20201105_C3_S2">27.34</v></o>
<o k="Two or more loans"><v s="FSHUB_20201105_C4A_S1">31</v><v s="FSHUB_20201105_C4B_S1">17</v></o>
<o k="Single installment or auto loan"><v s="FSHUB_20201105_C4B_S1">38</v></o>
<o k="Prime"><v s="FSHUB_20201105_C5A_S1">21</v><v s="FSHUB_20201105_C5A_S2">20</v><v s="FSHUB_20201105_C5B_S1">22</v><v s="FSHUB_20201105_C5B_S2">17</v></o>
<o k="21–30"><v s="FSHUB_20201105_C6A_S1">8</v><v s="FSHUB_20201105_C6A_S2">6</v><v s="FSHUB_20201105_C6A_S3">3</v><v s="FSHUB_20201105_C6B_S1">6</v><v s="FSHUB_20201105_C6B_S2">5</v><v s="FSHUB_20201105_C6B_S3">2</v><v s="FSHUB_20201105_C6C_S1">5</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">1</v><v s="FSHUB_20201105_C6D_S1">5</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">2</v></o>
<o k="Lines of credit (excluding HELOCs)"><v s="FSHUB_20201105_C1_S1">1.2</v><v s="FSHUB_20201105_C1_S2">0.4</v><v s="FSHUB_20201105_C8A_S1">0.5</v><v s="FSHUB_20201105_C8A_S2">0.3</v><v s="FSHUB_20201105_C8B_S1">0.4</v><v s="FSHUB_20201105_C8B_S2">0.3</v></o>
<o k="Energy-intensive regions"><v s="FSHUB_20201105_C2_S1">23</v><v s="FSHUB_20201105_C2_S2">17</v></o>
<o k="Decided to repay other debt obligations"><v s="FSHUB_20201105_C3_S1">8.34</v><v s="FSHUB_20201105_C3_S2">4.71</v></o>
<o k="Prime plus"><v s="FSHUB_20201105_C5A_S1">21</v><v s="FSHUB_20201105_C5A_S2">5</v><v s="FSHUB_20201105_C5B_S1">16</v><v s="FSHUB_20201105_C5B_S2">8</v></o>
<o k="31–40"><v s="FSHUB_20201105_C6A_S1">6</v><v s="FSHUB_20201105_C6A_S2">4</v><v s="FSHUB_20201105_C6A_S3">2</v><v s="FSHUB_20201105_C6B_S1">5</v><v s="FSHUB_20201105_C6B_S2">4</v><v s="FSHUB_20201105_C6B_S3">2</v><v s="FSHUB_20201105_C6C_S1">5</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">1</v><v s="FSHUB_20201105_C6D_S1">5</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">2</v></o>
<o k="Lines of  credit (excluding HELOCs)"><v s="FSHUB_20201105_C7_S1">36</v><v s="FSHUB_20201105_C7_S2">64</v></o>
<o k="Credit cards"><v s="FSHUB_20201105_C1_S1">1.7</v><v s="FSHUB_20201105_C1_S2">0.5</v><v s="FSHUB_20201105_C8A_S1">1.7</v><v s="FSHUB_20201105_C8A_S2">0.6</v><v s="FSHUB_20201105_C8B_S1">0.7</v><v s="FSHUB_20201105_C8B_S2">0.5</v></o>
<o k="Other regions"><v s="FSHUB_20201105_C2_S1">9</v><v s="FSHUB_20201105_C2_S2">9</v></o>
<o k="Other/not applicable"><v s="FSHUB_20201105_C3_S1">8.69</v><v s="FSHUB_20201105_C3_S2">6.36</v></o>
<o k="Super prime"><v s="FSHUB_20201105_C5A_S1">30</v><v s="FSHUB_20201105_C5A_S2">49</v><v s="FSHUB_20201105_C5B_S1">20</v><v s="FSHUB_20201105_C5B_S2">46</v></o>
<o k="41–50"><v s="FSHUB_20201105_C6A_S1">5</v><v s="FSHUB_20201105_C6A_S2">3</v><v s="FSHUB_20201105_C6A_S3">2</v><v s="FSHUB_20201105_C6B_S1">5</v><v s="FSHUB_20201105_C6B_S2">3</v><v s="FSHUB_20201105_C6B_S3">2</v><v s="FSHUB_20201105_C6C_S1">5</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">1</v><v s="FSHUB_20201105_C6D_S1">5</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">2</v></o>
<o k="Credit  cards"><v s="FSHUB_20201105_C7_S1">31</v><v s="FSHUB_20201105_C7_S2">69</v></o>
<o k="51–60"><v s="FSHUB_20201105_C6A_S1">5</v><v s="FSHUB_20201105_C6A_S2">2</v><v s="FSHUB_20201105_C6A_S3">2</v><v s="FSHUB_20201105_C6B_S1">5</v><v s="FSHUB_20201105_C6B_S2">2</v><v s="FSHUB_20201105_C6B_S3">2</v><v s="FSHUB_20201105_C6C_S1">6</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">1</v><v s="FSHUB_20201105_C6D_S1">5</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">3</v></o>
<o k="61–70"><v s="FSHUB_20201105_C6A_S1">5</v><v s="FSHUB_20201105_C6A_S2">2</v><v s="FSHUB_20201105_C6A_S3">3</v><v s="FSHUB_20201105_C6B_S1">6</v><v s="FSHUB_20201105_C6B_S2">2</v><v s="FSHUB_20201105_C6B_S3">2</v><v s="FSHUB_20201105_C6C_S1">6</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">2</v><v s="FSHUB_20201105_C6D_S1">6</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">3</v></o>
<o k="71–80"><v s="FSHUB_20201105_C6A_S1">6</v><v s="FSHUB_20201105_C6A_S2">2</v><v s="FSHUB_20201105_C6A_S3">3</v><v s="FSHUB_20201105_C6B_S1">7</v><v s="FSHUB_20201105_C6B_S2">3</v><v s="FSHUB_20201105_C6B_S3">3</v><v s="FSHUB_20201105_C6C_S1">7</v><v s="FSHUB_20201105_C6C_S2">4</v><v s="FSHUB_20201105_C6C_S3">3</v><v s="FSHUB_20201105_C6D_S1">7</v><v s="FSHUB_20201105_C6D_S2">3</v><v s="FSHUB_20201105_C6D_S3">4</v></o>
<o k="81–90"><v s="FSHUB_20201105_C6A_S1">7</v><v s="FSHUB_20201105_C6A_S2">3</v><v s="FSHUB_20201105_C6A_S3">5</v><v s="FSHUB_20201105_C6B_S1">9</v><v s="FSHUB_20201105_C6B_S2">3</v><v s="FSHUB_20201105_C6B_S3">5</v><v s="FSHUB_20201105_C6C_S1">9</v><v s="FSHUB_20201105_C6C_S2">5</v><v s="FSHUB_20201105_C6C_S3">4</v><v s="FSHUB_20201105_C6D_S1">9</v><v s="FSHUB_20201105_C6D_S2">4</v><v s="FSHUB_20201105_C6D_S3">6</v></o>
<o k="91–100"><v s="FSHUB_20201105_C6A_S1">15</v><v s="FSHUB_20201105_C6A_S2">8</v><v s="FSHUB_20201105_C6A_S3">59</v><v s="FSHUB_20201105_C6B_S1">25</v><v s="FSHUB_20201105_C6B_S2">10</v><v s="FSHUB_20201105_C6B_S3">71</v><v s="FSHUB_20201105_C6C_S1">38</v><v s="FSHUB_20201105_C6C_S2">15</v><v s="FSHUB_20201105_C6C_S3">79</v><v s="FSHUB_20201105_C6D_S1">42</v><v s="FSHUB_20201105_C6D_S2">13</v><v s="FSHUB_20201105_C6D_S3">73</v></o>
</observations>
</data>