<?xml version="1.0" encoding="UTF-8"?>
<data>
<terms url="https://www.bankofcanada.ca/terms/"></terms>
<groupDetail>
    <label>Household credit performance</label>
    <description><![CDATA[Sources: TransUnion and Bank of Canada calculations]]></description>
    <link>https://www.bankofcanada.ca/?p=229200</link>
</groupDetail>
<seriesDetail>
<series id="FVI_FIN_STRESS">
<label>Rates of financial stress</label>
<description>Share of indebted households behind on payments for at least 60 days in any credit category (%)</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_MTG">
<label>Mortgages</label>
<description>Rates of loans in arrears (%), by product type—Mortgages</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_AUTO">
<label>Automobile loans</label>
<description>Rates of loans in arrears (%), by product type—Automobile loans</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_CC">
<label>Credit cards</label>
<description>Rates of loans in arrears (%), by product type—Credit cards</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_HELOC">
<label>Home equity lines of credit</label>
<description>Rates of loans in arrears (%), by product type—Home equity lines of credit</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_LOC">
<label>Unsecured lines of credit</label>
<description>Rates of loans in arrears (%), by product type—Unsecured lines of credit</description>
<dimension key="d" name="Date"/>
</series>
<series id="FVI_LOANS_ARR_INSTALL">
<label>Instalment loans</label>
<description>Rates of loans in arrears (%), by product type—Instalment loans</description>
<dimension key="d" name="Date"/>
</series>
</seriesDetail>
<observations>
<o d="2015-01-01"><v s="FVI_FIN_STRESS">1.93</v><v s="FVI_LOANS_ARR_AUTO">0.50</v><v s="FVI_LOANS_ARR_CC">0.53</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.69</v><v s="FVI_LOANS_ARR_LOC">0.28</v><v s="FVI_LOANS_ARR_MTG">0.26</v></o>
<o d="2015-04-01"><v s="FVI_FIN_STRESS">1.93</v><v s="FVI_LOANS_ARR_AUTO">0.52</v><v s="FVI_LOANS_ARR_CC">0.53</v><v s="FVI_LOANS_ARR_HELOC">0.13</v><v s="FVI_LOANS_ARR_INSTALL">1.81</v><v s="FVI_LOANS_ARR_LOC">0.28</v><v s="FVI_LOANS_ARR_MTG">0.26</v></o>
<o d="2015-07-01"><v s="FVI_FIN_STRESS">1.92</v><v s="FVI_LOANS_ARR_AUTO">0.45</v><v s="FVI_LOANS_ARR_CC">0.57</v><v s="FVI_LOANS_ARR_HELOC">0.13</v><v s="FVI_LOANS_ARR_INSTALL">1.34</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.25</v></o>
<o d="2015-10-01"><v s="FVI_FIN_STRESS">1.84</v><v s="FVI_LOANS_ARR_AUTO">0.33</v><v s="FVI_LOANS_ARR_CC">0.58</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">0.92</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.25</v></o>
<o d="2016-01-01"><v s="FVI_FIN_STRESS">1.94</v><v s="FVI_LOANS_ARR_AUTO">0.33</v><v s="FVI_LOANS_ARR_CC">0.60</v><v s="FVI_LOANS_ARR_HELOC">0.14</v><v s="FVI_LOANS_ARR_INSTALL">0.96</v><v s="FVI_LOANS_ARR_LOC">0.29</v><v s="FVI_LOANS_ARR_MTG">0.26</v></o>
<o d="2016-04-01"><v s="FVI_FIN_STRESS">1.95</v><v s="FVI_LOANS_ARR_AUTO">0.35</v><v s="FVI_LOANS_ARR_CC">0.62</v><v s="FVI_LOANS_ARR_HELOC">0.13</v><v s="FVI_LOANS_ARR_INSTALL">0.97</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.26</v></o>
<o d="2016-07-01"><v s="FVI_FIN_STRESS">1.96</v><v s="FVI_LOANS_ARR_AUTO">0.36</v><v s="FVI_LOANS_ARR_CC">0.62</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.04</v><v s="FVI_LOANS_ARR_LOC">0.25</v><v s="FVI_LOANS_ARR_MTG">0.26</v></o>
<o d="2016-10-01"><v s="FVI_FIN_STRESS">1.96</v><v s="FVI_LOANS_ARR_AUTO">0.36</v><v s="FVI_LOANS_ARR_CC">0.64</v><v s="FVI_LOANS_ARR_HELOC">0.13</v><v s="FVI_LOANS_ARR_INSTALL">1.07</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.25</v></o>
<o d="2017-01-01"><v s="FVI_FIN_STRESS">1.97</v><v s="FVI_LOANS_ARR_AUTO">0.35</v><v s="FVI_LOANS_ARR_CC">0.64</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.07</v><v s="FVI_LOANS_ARR_LOC">0.25</v><v s="FVI_LOANS_ARR_MTG">0.24</v></o>
<o d="2017-04-01"><v s="FVI_FIN_STRESS">1.98</v><v s="FVI_LOANS_ARR_AUTO">0.33</v><v s="FVI_LOANS_ARR_CC">0.66</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.05</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.23</v></o>
<o d="2017-07-01"><v s="FVI_FIN_STRESS">2.00</v><v s="FVI_LOANS_ARR_AUTO">0.34</v><v s="FVI_LOANS_ARR_CC">0.66</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.05</v><v s="FVI_LOANS_ARR_LOC">0.27</v><v s="FVI_LOANS_ARR_MTG">0.22</v></o>
<o d="2017-10-01"><v s="FVI_FIN_STRESS">2.02</v><v s="FVI_LOANS_ARR_AUTO">0.34</v><v s="FVI_LOANS_ARR_CC">0.68</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.03</v><v s="FVI_LOANS_ARR_LOC">0.31</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2018-01-01"><v s="FVI_FIN_STRESS">1.98</v><v s="FVI_LOANS_ARR_AUTO">0.34</v><v s="FVI_LOANS_ARR_CC">0.65</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.18</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2018-04-01"><v s="FVI_FIN_STRESS">2.00</v><v s="FVI_LOANS_ARR_AUTO">0.35</v><v s="FVI_LOANS_ARR_CC">0.65</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.32</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2018-07-01"><v s="FVI_FIN_STRESS">2.01</v><v s="FVI_LOANS_ARR_AUTO">0.37</v><v s="FVI_LOANS_ARR_CC">0.66</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.35</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2018-10-01"><v s="FVI_FIN_STRESS">1.99</v><v s="FVI_LOANS_ARR_AUTO">0.39</v><v s="FVI_LOANS_ARR_CC">0.66</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.41</v><v s="FVI_LOANS_ARR_LOC">0.21</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2019-01-01"><v s="FVI_FIN_STRESS">2.05</v><v s="FVI_LOANS_ARR_AUTO">0.42</v><v s="FVI_LOANS_ARR_CC">0.68</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.40</v><v s="FVI_LOANS_ARR_LOC">0.20</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2019-04-01"><v s="FVI_FIN_STRESS">2.18</v><v s="FVI_LOANS_ARR_AUTO">0.44</v><v s="FVI_LOANS_ARR_CC">0.75</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.41</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2019-07-01"><v s="FVI_FIN_STRESS">1.96</v><v s="FVI_LOANS_ARR_AUTO">0.45</v><v s="FVI_LOANS_ARR_CC">0.61</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.47</v><v s="FVI_LOANS_ARR_LOC">0.21</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2019-10-01"><v s="FVI_FIN_STRESS">1.97</v><v s="FVI_LOANS_ARR_AUTO">0.48</v><v s="FVI_LOANS_ARR_CC">0.63</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.49</v><v s="FVI_LOANS_ARR_LOC">0.22</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2020-01-01"><v s="FVI_FIN_STRESS">1.99</v><v s="FVI_LOANS_ARR_AUTO">0.49</v><v s="FVI_LOANS_ARR_CC">0.64</v><v s="FVI_LOANS_ARR_HELOC">0.13</v><v s="FVI_LOANS_ARR_INSTALL">1.50</v><v s="FVI_LOANS_ARR_LOC">0.27</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
<o d="2020-04-01"><v s="FVI_FIN_STRESS">1.93</v><v s="FVI_LOANS_ARR_AUTO">0.51</v><v s="FVI_LOANS_ARR_CC">0.60</v><v s="FVI_LOANS_ARR_HELOC">0.15</v><v s="FVI_LOANS_ARR_INSTALL">1.50</v><v s="FVI_LOANS_ARR_LOC">0.36</v><v s="FVI_LOANS_ARR_MTG">0.22</v></o>
<o d="2020-07-01"><v s="FVI_FIN_STRESS">1.54</v><v s="FVI_LOANS_ARR_AUTO">0.46</v><v s="FVI_LOANS_ARR_CC">0.48</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.44</v><v s="FVI_LOANS_ARR_LOC">0.22</v><v s="FVI_LOANS_ARR_MTG">0.22</v></o>
<o d="2020-10-01"><v s="FVI_FIN_STRESS">1.50</v><v s="FVI_LOANS_ARR_AUTO">0.43</v><v s="FVI_LOANS_ARR_CC">0.45</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.33</v><v s="FVI_LOANS_ARR_LOC">0.21</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2021-01-01"><v s="FVI_FIN_STRESS">1.42</v><v s="FVI_LOANS_ARR_AUTO">0.40</v><v s="FVI_LOANS_ARR_CC">0.45</v><v s="FVI_LOANS_ARR_HELOC">0.10</v><v s="FVI_LOANS_ARR_INSTALL">1.27</v><v s="FVI_LOANS_ARR_LOC">0.21</v><v s="FVI_LOANS_ARR_MTG">0.19</v></o>
<o d="2021-04-01"><v s="FVI_FIN_STRESS">1.41</v><v s="FVI_LOANS_ARR_AUTO">0.39</v><v s="FVI_LOANS_ARR_CC">0.46</v><v s="FVI_LOANS_ARR_HELOC">0.10</v><v s="FVI_LOANS_ARR_INSTALL">1.28</v><v s="FVI_LOANS_ARR_LOC">0.20</v><v s="FVI_LOANS_ARR_MTG">0.17</v></o>
<o d="2021-07-01"><v s="FVI_FIN_STRESS">1.42</v><v s="FVI_LOANS_ARR_AUTO">0.43</v><v s="FVI_LOANS_ARR_CC">0.47</v><v s="FVI_LOANS_ARR_HELOC">0.09</v><v s="FVI_LOANS_ARR_INSTALL">1.29</v><v s="FVI_LOANS_ARR_LOC">0.20</v><v s="FVI_LOANS_ARR_MTG">0.16</v></o>
<o d="2021-10-01"><v s="FVI_FIN_STRESS">1.42</v><v s="FVI_LOANS_ARR_AUTO">0.43</v><v s="FVI_LOANS_ARR_CC">0.48</v><v s="FVI_LOANS_ARR_HELOC">0.09</v><v s="FVI_LOANS_ARR_INSTALL">1.39</v><v s="FVI_LOANS_ARR_LOC">0.19</v><v s="FVI_LOANS_ARR_MTG">0.14</v></o>
<o d="2022-01-01"><v s="FVI_FIN_STRESS">1.52</v><v s="FVI_LOANS_ARR_AUTO">0.46</v><v s="FVI_LOANS_ARR_CC">0.51</v><v s="FVI_LOANS_ARR_HELOC">0.08</v><v s="FVI_LOANS_ARR_INSTALL">1.47</v><v s="FVI_LOANS_ARR_LOC">0.21</v><v s="FVI_LOANS_ARR_MTG">0.13</v></o>
<o d="2022-04-01"><v s="FVI_FIN_STRESS">1.58</v><v s="FVI_LOANS_ARR_AUTO">0.50</v><v s="FVI_LOANS_ARR_CC">0.54</v><v s="FVI_LOANS_ARR_HELOC">0.07</v><v s="FVI_LOANS_ARR_INSTALL">1.49</v><v s="FVI_LOANS_ARR_LOC">0.20</v><v s="FVI_LOANS_ARR_MTG">0.12</v></o>
<o d="2022-07-01"><v s="FVI_FIN_STRESS">1.67</v><v s="FVI_LOANS_ARR_AUTO">0.52</v><v s="FVI_LOANS_ARR_CC">0.58</v><v s="FVI_LOANS_ARR_HELOC">0.08</v><v s="FVI_LOANS_ARR_INSTALL">1.53</v><v s="FVI_LOANS_ARR_LOC">0.20</v><v s="FVI_LOANS_ARR_MTG">0.12</v></o>
<o d="2022-10-01"><v s="FVI_FIN_STRESS">1.69</v><v s="FVI_LOANS_ARR_AUTO">0.54</v><v s="FVI_LOANS_ARR_CC">0.61</v><v s="FVI_LOANS_ARR_HELOC">0.09</v><v s="FVI_LOANS_ARR_INSTALL">1.57</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.12</v></o>
<o d="2023-01-01"><v s="FVI_FIN_STRESS">1.70</v><v s="FVI_LOANS_ARR_AUTO">0.56</v><v s="FVI_LOANS_ARR_CC">0.61</v><v s="FVI_LOANS_ARR_HELOC">0.09</v><v s="FVI_LOANS_ARR_INSTALL">1.63</v><v s="FVI_LOANS_ARR_LOC">0.22</v><v s="FVI_LOANS_ARR_MTG">0.12</v></o>
<o d="2023-04-01"><v s="FVI_FIN_STRESS">1.78</v><v s="FVI_LOANS_ARR_AUTO">0.58</v><v s="FVI_LOANS_ARR_CC">0.64</v><v s="FVI_LOANS_ARR_HELOC">0.10</v><v s="FVI_LOANS_ARR_INSTALL">1.72</v><v s="FVI_LOANS_ARR_LOC">0.23</v><v s="FVI_LOANS_ARR_MTG">0.12</v></o>
<o d="2023-07-01"><v s="FVI_FIN_STRESS">1.83</v><v s="FVI_LOANS_ARR_AUTO">0.61</v><v s="FVI_LOANS_ARR_CC">0.66</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.76</v><v s="FVI_LOANS_ARR_LOC">0.26</v><v s="FVI_LOANS_ARR_MTG">0.13</v></o>
<o d="2023-10-01"><v s="FVI_FIN_STRESS">1.88</v><v s="FVI_LOANS_ARR_AUTO">0.63</v><v s="FVI_LOANS_ARR_CC">0.68</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">1.83</v><v s="FVI_LOANS_ARR_LOC">0.28</v><v s="FVI_LOANS_ARR_MTG">0.14</v></o>
<o d="2024-01-01"><v s="FVI_FIN_STRESS">1.92</v><v s="FVI_LOANS_ARR_AUTO">0.59</v><v s="FVI_LOANS_ARR_CC">0.71</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.81</v><v s="FVI_LOANS_ARR_LOC">0.30</v><v s="FVI_LOANS_ARR_MTG">0.15</v></o>
<o d="2024-04-01"><v s="FVI_FIN_STRESS">2.00</v><v s="FVI_LOANS_ARR_AUTO">0.60</v><v s="FVI_LOANS_ARR_CC">0.74</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">1.90</v><v s="FVI_LOANS_ARR_LOC">0.33</v><v s="FVI_LOANS_ARR_MTG">0.15</v></o>
<o d="2024-07-01"><v s="FVI_FIN_STRESS">2.05</v><v s="FVI_LOANS_ARR_AUTO">0.61</v><v s="FVI_LOANS_ARR_CC">0.75</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">2.06</v><v s="FVI_LOANS_ARR_LOC">0.36</v><v s="FVI_LOANS_ARR_MTG">0.16</v></o>
<o d="2024-10-01"><v s="FVI_FIN_STRESS">2.08</v><v s="FVI_LOANS_ARR_AUTO">0.65</v><v s="FVI_LOANS_ARR_CC">0.76</v><v s="FVI_LOANS_ARR_HELOC">0.12</v><v s="FVI_LOANS_ARR_INSTALL">2.25</v><v s="FVI_LOANS_ARR_LOC">0.37</v><v s="FVI_LOANS_ARR_MTG">0.17</v></o>
<o d="2025-01-01"><v s="FVI_FIN_STRESS">2.12</v><v s="FVI_LOANS_ARR_AUTO">0.68</v><v s="FVI_LOANS_ARR_CC">0.77</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">2.31</v><v s="FVI_LOANS_ARR_LOC">0.37</v><v s="FVI_LOANS_ARR_MTG">0.18</v></o>
<o d="2025-04-01"><v s="FVI_FIN_STRESS">2.10</v><v s="FVI_LOANS_ARR_AUTO">0.67</v><v s="FVI_LOANS_ARR_CC">0.76</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">2.34</v><v s="FVI_LOANS_ARR_LOC">0.38</v><v s="FVI_LOANS_ARR_MTG">0.19</v></o>
<o d="2025-07-01"><v s="FVI_FIN_STRESS">2.11</v><v s="FVI_LOANS_ARR_AUTO">0.67</v><v s="FVI_LOANS_ARR_CC">0.76</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">2.50</v><v s="FVI_LOANS_ARR_LOC">0.37</v><v s="FVI_LOANS_ARR_MTG">0.20</v></o>
<o d="2025-10-01"><v s="FVI_FIN_STRESS">2.16</v><v s="FVI_LOANS_ARR_AUTO">0.67</v><v s="FVI_LOANS_ARR_CC">0.78</v><v s="FVI_LOANS_ARR_HELOC">0.11</v><v s="FVI_LOANS_ARR_INSTALL">2.64</v><v s="FVI_LOANS_ARR_LOC">0.38</v><v s="FVI_LOANS_ARR_MTG">0.21</v></o>
</observations>
</data>