Tendencias de crédito global

  United States
 

  Auto loan delinquency has surpassed pre-COVID levels, in both subprime and non-subprime segments

  Bankcard delinquencies are rising across the US YoY but there are differences in the rate of increase by geographic region

  Canada
 

  Consumers with no mortgage are showing early signs of financial stress and are missing payments on non mortgage credit products at a faster rate than consumers with a mortgage

  Mortgage delinquencies remained low

  United Kingdom, Australia & New Zealand
 

  United Kingdom:  Mortgage delinquency rates remain at low levels with many households still on low interest rates, expected increase in delinquencies as consumers roll off fixed rates

  United Kingdom:  Unsecured delinquency rates are starting to rise uniformly, with most product types approaching pre-pandemic levels

  Australia:  Early personal loan delinquency increased by 0.4% compared to Q4 2021. This is likely to rise further due to the after-effects of the holidays season and increasing cost of living

  New Zealand:  Signs of strain on mortgage delinquencies in recent months as home ownership seeks to meet significant increases in mortgage interest payments as they roll off fixed rates

 

  Argentina
 

  Argentina:  Delinquency remains stable during 2022. This market behavior shows the same trend since 2021, according to historical loan delinquency levels