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{"sheet":"Summary","index":0,"n_rows":69,"n_cols":9,"rows_kept":69,"cut":false,"hidden":false,"merged":[[45,8,46,13],[42,8,43,13],[47,8,51,13],[37,8,39,13],[14,8,15,13],[2,8,2,9],[3,8,4,13],[43,14,44,14],[8,8,10,13],[17,8,18,13],[20,8,24,13],[26,8,35,13],[53,8,55,13],[57,8,57,13],[63,8,63,12],[59,8,59,12]]}
[]
[]
[null,null,null,null,null,null,null,null,"PLEASE NOTE: "]
[null,null,null,null,null,null,null,null,"The 2020 - Q3 results published in this report were obtained with the data available as of mid-November 2020 and are thus partially based on an incomplete data set, due to the reporting lag (see our Data Timing and Timeliness Report). Also, these results are based on securitisation data, which does not fully represent lenders’ assets. In particular:"]
[]
[null,null,null,null,null,null,null,null,"a) Securitised loans tend to be of better quality than non-securitised loans"]
[null,null,null,null,null,null,null,null,"b) Securitisation is not equally important in all countries and to all lenders"]
[null,null,null,null,null,null,null,null,"c) Large securitisations may disproportionately affect the overall statistics"]
[null,null,null,null,null,null,null,null,"Please refer to our Data Availability Report Q1 2019 for an overview of data availability and concentration issues. For this report, we focused on delinquency and loan modification statistics for auto loans and leases, as COVID-19 defaults have mostly not yet materialised. Please do not hesitate to contact us if you have comments/requests/questions at enquiries@eurodw.eu."]
[]
[]
[]
[]
[null,null,null,"COVID-19 Tracker (Auto - November 2020)",null,null,null,null,"Comment"]
[null,null,null,null,null,null,null,null,"This November 2020 AUTO COVID-19 Tracker focuses exclusively on our auto loan and lease data. Auto securitisations tend to report monthly, which makes it possible to follow the chronological impact of the crisis on the loans more precisely."]
[null,null,null,"Analyst Contacts",null,null,null,"Contents"]
[null,null,null,"Usman Jamil",null,null,null,"IMPORTANT"]
[null,null,null,"Senior Research Analyst ",null,null,null,"Statistics By Country","In terms of delinquencies, the impact of the crisis on auto loans is visible in all countries, with a surge in delinquencies in March 2020, followed by a peak in May that generally stabilised or receded somewhat afterwards, to above pre-crisis levels."]
[null,null,null,"+49 (0) 69 50986 9306",null,null,null,"EU and UK Auto - Arrears"]
[null,null,null,"Usman.Jamil@eurodw.eu",null,null,null,"EU and UK Auto - Modifications"]
[null,null,null,null,null,null,null,"DE Auto - Arrears","Our \"Auto Arrears” tabs, organized by country, focus on arrears and show the evolution of arrears by arrears buckets, and often show a ripple effect, starting in March/April 2020. The column \"one\" month in arrears increased first, and the column \"two\" months in arrears reacted just a month later etc. The data selected for these charts include the deals that were active throughout this crisis (adding a deal in between would artificially lower observed delinquency levels given that all loans are supposed to be performing at the time of securitisation)."]
[null,null,null,"Ludovic Thebault, PhD",null,null,null,"DE Auto - Modifications"]
[null,null,null,"Head of Research",null,null,null,"FI Auto - Arrears"]
[null,null,null,"+49 (0) 69 50986 9302",null,null,null,"FI Auto - Modifications"]
[null,null,null,"ludovic.thebault@eurodw.eu",null,null,null,"ES Auto - Arrears"]
[null,null,null,null,null,null,null,"ES Auto - Modifications"]
[null,null,null,"European DataWarehouse GmbH\n\n",null,null,null,"FR Auto - Arrears","It is striking however, that the delinquency peak looks moderate and short-lived given the severity of the crisis. As is the case in other markets, auto loans were often modified to avoid default. Specific flags are available to identify the modified loans (see our blog Special Reporting Guidelines: How to Report Data to Reflect Covid-19) but these were not always used, and we therefore had to use other criteria to identify modified loans. Modified loans are loans where the repayment schedule was at least temporarily modified to make repayment lower or zero for a while (a so called \"payment holiday\"). This kind of change usually materialises in three main ways 1) the maturity of the loan is postponed and/or 2) the monthly instalment is brought to zero or reduced (we selected a 50% reduction at least in instalment amount) and/or 3) the arrears or unpaid amounts are capitalised which results in an increase in the loan amount after modification. If we had used another definition, for instance a decrease of 30% at least of the instalment amount and a loan amount that stops amortising, we would have found higher levels of loan modifications. Had we only looked for loans where the amount due had been reduced to zero, we would have found lower amounts of loan modifications."]
[null,null,null,"Walther-von-Cronberg-Platz 2",null,null,null,"FR Auto - Modifications"]
[null,null,null,"60594 Frankfurt am Main ",null,null,null,"IT Auto - Arrears"]
[null,null,null,"www.eurodw.eu",null,null,null,"IT Auto - Modifications"]
[null,null,null,"enquiries@eurodw.eu",null,null,null,"PT Auto - Arrears"]
[null,null,null,null,null,null,null,"PT Auto - Modifications"]
[null,null,null,null,null,null,null,"UK Auto - Arrears"]
[null,null,null,null,null,null,null,"UK Auto - Modifications"]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Periodic loan modifications peaked in April/May 2020 and decreased over the summer. It is important to note that loan modifications were already happening, although at lower levels, in most countries, prior to March 2020. As of September 2020, loan modifications were trending back towards pre-crisis levels (see “Statistics by Country” tab)."]
[]
[]
[null,null,null,null,null,null,null,"Related Publications"]
[null,null,null,null,null,null,null,"Reporting for COVID-19"]
[null,null,null,null,null,null,null,"Monitoring the Impact of COVID-19","Looking at loan redemptions, we note also that periodic loan redemptions have typically been higher than loan modifications. It is striking, that loan redemptions dropped to their lowest levels during April/May 2020 before trending back to pre-crisis levels; as more loans were being modified, fewer loans were being redeemed."]
[null,null,null,null,null,null,null,"Monitoring the Impact of COVID-19: RMBS"]
[null,null,null,null,null,null,null,"Data Availabilit Report Q1 2019"]
[null,null,null,null,null,null,null,"Data Timing and Timeliness Report","Overall, we find that cumulative payment holidays for EU + UK tend to be in the 4-5% range as of end of Q3 2020, ranging from 3.7% for Germany to 15.1% for Italy."]
[]
[null,null,null,null,null,null,null,null,"In the Excel version of our COVID Tracker, the data is presented on a country by country basis, with one tab for arrears-related statistics, and another tab focusing on loan status and modifications. In the \"Loan Modifications\" tabs, Table A and Table B show the stratification of the outstanding amounts by loan status. Delinquencies and defaults in these tables do not always match the values in our \"Arrears\" tabs, because the two samples do not completely overlap (in the arrears tab we select only the deals that have been active throughout the crisis whereas for the \" Modifications\" tabs we use all deals that reported data in March 2020)."]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"In the \" Modifications\" tabs, Table C (amount) and Table E (percentage) focus on the periodic loan modifications and table D and F show the cumulative loan modifications. We track first loan modifications only, but we know that some loans were modified several times already. The category \"Any of 3\" refers to any of the three-loan modification/payment holiday flags being hit for the first time since the beginning of the COVID-19 crisis. "]
[]
[]
[]
[null,null,null,null,null,null,null,null,"Table H shows the number of deals available in every month and the outstanding amount of loans that were taken into consideration. \t"]
[]
[null,null,null,null,null,null,null,null,"Please do not hesitate to contact us at enquiries@eurodw.eu if you have questions."]
[]
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[]
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[null,null,null,"\n"]

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[null,"Summary"]
[null,"Copyright © 2020 by European DataWarehouse GmbH, Walther-von-Cronberg-Platz 2 60594 Frankfurt am Main. Telephone: +49 (0) 69 50986 9300. All rights reserved. All information contained herein is obtained by European DataWarehouse and is believed to be accurate and reliable. European DataWarehouse is not responsible for any errors or omissions. The content is provided “as is” without any representation or warranty of any kind. European DataWarehouse does not provide investment advice of any sort. Opinions analyses, and estimates constitute our judgment as of the date of this material and are subject to change without notice. European DataWarehouse assumes no obligation to update the content following publication in any form or format. "]

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[null,"Summary"]
[]
[]
[null,null,"Implied Payment Holiday Periodic* (any of 3 Payment Holiday Flags)"]
[null,null,"DE","ES","FI","FR","IT","PT","UK","EU + UK"]
[null,"2019-09",3.1721319654984372E-3,1.0312153074722905E-3,2.5209288800601497E-3,1.7340940610481087E-3,3.5170499090098847E-3,2.9864630080199271E-3,3.6385681441058063E-3,3.1208922941493374E-3]
[null,"2019-10",3.3884228435982714E-3,1.5062504368713926E-3,6.5573716649125011E-3,8.6469438208400026E-3,5.2923109259906389E-3,2.9533028483374568E-3,4.5460932846324645E-3,4.0950061220294378E-3]
[null,"2019-11",3.5493026297909562E-3,8.0903915230575449E-4,1.5483746075114043E-2,4.2235389380073712E-3,3.0850543007281076E-3,2.6948216819652764E-3,3.4080605437043221E-3,3.7119187726987147E-3]
[null,"2019-12",3.3522588036329864E-3,7.9638806335005446E-4,1.1308429320096035E-2,4.2512253592212985E-3,1.2060123643260602E-2,2.4207104882366325E-3,2.4760904096119978E-3,4.30784704645964E-3]
[null,"2020-01",3.0432100196787011E-3,2.5805207853079916E-3,1.0466320082449789E-2,3.2325737306906025E-3,1.924343832964195E-3,2.8714674954386792E-3,3.5425274870019871E-3,3.1672411811047648E-3]
[null,"2020-02",3.1292187791471205E-3,6.9084981652809147E-3,1.1476397039501589E-2,2.8751598311713314E-3,3.6397566174680415E-2,2.7514627668715078E-3,3.1101745617429051E-3,6.7883742608970095E-3]
[null,"2020-03",4.3209737375962979E-3,7.7654619166027854E-3,4.7764529774776063E-2,4.7409274393239815E-3,2.6800524430046598E-2,7.4738586055733301E-3,3.9623563789404105E-3,7.583034732520518E-3]
[null,"2020-04",1.0018977684081155E-2,1.1298591929655936E-2,2.2235108188801745E-2,1.4169943392521341E-2,3.9817252040935162E-2,2.0977890370629419E-2,3.2213145278433843E-3,1.2464896943812184E-2]
[null,"2020-05",6.4605485198881091E-3,1.3446642123037825E-2,1.1710401055779642E-2,6.0645513545702521E-3,3.3510227559132515E-2,4.4069901751472317E-2,3.4536718497314603E-3,9.4793230453582341E-3]
[null,"2020-06",5.33669364165277E-3,1.3539460049697019E-2,6.9028646846871228E-3,4.1476276606493478E-3,1.2967319364879694E-2,1.2363137478014421E-2,1.6129150638465987E-2,8.3106300487464438E-3]
[null,"2020-07",3.7066893011197611E-3,8.1508443830773658E-3,5.0936032265877689E-3,2.8928597798009432E-3,4.687654619114745E-3,8.8910194449026841E-3,9.4401331260281201E-3,5.0034589829139105E-3]
[null,"2020-08",3.6587525444169598E-3,6.7433177354382316E-3,4.0694832598871678E-3,2.9368434977690913E-3,7.5498039696137494E-3,1.6926730993291699E-3,5.1940006078379074E-3,4.5743719407092811E-3]
[null,"2020-09",3.3995285097196495E-3,2.3093194747806248E-3,null,3.0304672928932359E-3,5.3225406268056202E-3,2.7823685518958974E-3,5.7867281752864153E-3,3.9038250106425074E-3]
[null,null,"For details, please refer to Table C for the relevant countries"]
[null,null,"\"Any of 3\" means a loan where "]
[null,null,"- Either the maturity date has increased for the first time in that month and not before"]
[null,null,"- The loan balance has increased for the first time in that month and not before"]
[null,null,"- The amount due has decreased 50% at least in that month and not before"]
[null,null,"- Any of the events mentioned above have taken place in that month and none of them before"]
[null,null,"*Amount of loans that were flagged as \"Any of 3\" in a given month as % of outstanding amount of loans in that month"]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,"Implied Payment Holiday Cumulative* (any of 3 Payment Holiday Flags)"]
[null,null,"DE","ES","FI","FR","IT","PT","UK","EU + UK"]
[null,"2020-02",3.0535754353068576E-3,5.0336269375535914E-3,1.1476397039501589E-2,2.8751598311713314E-3,3.3595678810401208E-2,2.7514627668715078E-3,2.9301299164928266E-3,6.4306745017476338E-3]
[null,"2020-03",7.2337663256761171E-3,1.1001460621739659E-2,5.6925332635553882E-2,7.6998097185416153E-3,5.9885923695370082E-2,9.9794458026839731E-3,6.8455850311039523E-3,1.3694505421279453E-2]
[null,"2020-04",1.6820114467090017E-2,1.8704464454381297E-2,7.7204253858910415E-2,2.0365553516580624E-2,9.5379632233985503E-2,2.97234575068131E-2,9.8356394389205667E-3,2.5155276879582161E-2]
[null,"2020-05",2.2884788562539195E-2,2.7848740389131894E-2,8.7431448808204471E-2,2.6152593746782051E-2,0.1249665921746724,6.992436848963629E-2,1.302704323434686E-2,3.3788031728013923E-2]
[null,"2020-06",2.7836593739173555E-2,3.7457044844428834E-2,9.3174051716440748E-2,2.9769026126764783E-2,0.13711986852191702,7.550731936895283E-2,2.849131519279902E-2,4.1324738963321096E-2]
[null,"2020-07",3.1220825407520181E-2,4.2505978029131163E-2,9.7187780509122704E-2,3.2473056231462502E-2,0.1411413975213914,7.9388619735861407E-2,3.6995044588564945E-2,4.5712637544249486E-2]
[null,"2020-08",3.4501909492805183E-2,4.6748778827981972E-2,0.100241239009835,3.5206097772782552E-2,0.14745014246338156,8.0097134486799795E-2,4.1622500874676352E-2,4.966465169891688E-2]
[null,"2020-09",3.7429406350311008E-2,4.7575229418213412E-2,null,3.7003670885161537E-2,0.15097725910419763,8.1222454024212742E-2,4.6708107746682027E-2,5.2620891864686131E-2]
[null,null,"For details, please refer to the \"implied Payment Holidays Cumulative\" tabs for the relevant countries"]
[null,null,"\"Any of 3\" means a loan where "]
[null,null,"- Either the maturity date has increased for the first time in that month and not before"]
[null,null,"- The loan balance has increased for the first time in that month and not before"]
[null,null,"- The amount due has decreased 50% at least in that month and not before"]
[null,null,"- Any of the events mentioned above have taken place in that month and none of them before"]
[null,null,"*Cumulative Amount of loans that were modified at some point for the first time since Feb 2020 as % of outstanding amount of loans in February 2020"]
[]
[]
[]
[]
[]
[]
[null,null,"Periodic Redeemed Loans*"]
[null,null,"DE","ES","FI","FR","IT","PT","UK","EU + UK"]
[null,"2019-09",1.1891720708858591E-2,9.3653276319514492E-3,2.7445900134617517E-2,8.9947689942676858E-3,6.3587559998335508E-3,6.3895444804585562E-3,2.0219658977790864E-2,1.2333837691988434E-2]
[null,"2019-10",1.2514081452238686E-2,1.0890469936124096E-2,3.03520101475791E-2,1.0608104208044603E-2,8.2032621950436316E-3,7.9073462436738979E-3,1.6621403715179783E-2,1.2552263647392103E-2]
[null,"2019-11",1.2528466701636343E-2,1.0112423872425965E-2,2.2538295434432202E-2,1.0163283284527681E-2,7.48078058758585E-3,6.8082229609380636E-3,1.5731438056600024E-2,1.2266161574194681E-2]
[null,"2019-12",1.1809967240865216E-2,6.4410902418007591E-3,1.9350929418766739E-2,1.0098180641700769E-2,9.4368623450065484E-3,7.0707827813423461E-3,1.2973990464329663E-2,1.1232993791560199E-2]
[null,"2020-01",1.307224928061438E-2,8.4690446756052161E-3,2.5325477987352508E-2,9.8815677853615839E-3,6.9725729290087361E-3,7.3471464724523157E-3,1.6845583373668965E-2,1.2562892407771684E-2]
[null,"2020-02",1.2080144526494937E-2,8.7568083560925561E-3,2.4609519712379575E-2,1.0132656978827443E-2,8.0152095668470751E-3,6.0789164641407104E-3,1.6914295400770517E-2,1.2078028065091017E-2]
[null,"2020-03",1.245395859340892E-2,9.1927359180400212E-3,2.5484324798019157E-2,9.4836770913230024E-3,8.4227688663311776E-3,6.2175985450677942E-3,2.4116081270131998E-2,1.3410092852991825E-2]
[null,"2020-04",9.5250727222591178E-3,5.4776952882486509E-3,2.0099312677207541E-2,4.2783241274948827E-3,3.7291011047753844E-3,3.0015271020648183E-3,6.4222359249807145E-3,7.9970275275494471E-3]
[null,"2020-05",1.1054550085022112E-2,7.0808306702781713E-3,2.1385224422010227E-2,4.524807924437037E-3,6.5084536789706523E-3,4.0707923110930621E-3,7.4844288770317454E-3,9.4400046173645034E-3]
[null,"2020-06",1.2919588809447475E-2,8.3104350322740807E-3,2.4815017998014631E-2,9.6651991321502415E-3,8.9359768592800967E-3,9.0530014001435899E-3,1.5675521161493792E-2,1.2484587452328737E-2]
[null,"2020-07",1.5760123845114264E-2,9.6716226306350576E-3,2.9229039877545535E-2,1.2851448705561682E-2,8.6945380939929644E-3,1.0758283836191608E-2,2.0803428120800754E-2,1.5287206109696522E-2]
[null,"2020-08",1.4190849030740726E-2,8.7654795300904243E-3,2.5199035909861604E-2,9.2617266594304214E-3,5.8081379762889513E-3,1.0173233915531366E-2,1.6870595501084107E-2,1.3140394883698127E-2]
[null,"2020-09",1.4714504036484466E-2,1.3398289264708946E-2,null,1.1677550485141536E-2,6.4135069938363216E-3,1.1361329597753258E-2,2.885842313191013E-2,1.6200853692421475E-2]

{"sheet":"EU and UK Auto - Arrears","index":3,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[]}
[null,"Summary"]
[]
[]
[]
[null,"EU AND UK"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding EU and UK Loan Amount",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.98853777081692618,6.0130208145734625E-3,2.2380650095082176E-3,1.0093647233390536E-3,1.2926708516364984E-3,5.9114313376740051E-4,1.8330507282327346E-4,1.2577895292692926E-4,null,"2019-09",63,71472,6089632,718017205.14999974,62690592316.990013]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.98821252945754678,6.1804786712233786E-3,2.3448124333991264E-3,1.047468031736004E-3,1.2690189705494412E-3,6.1011808048251062E-4,1.9355727756977006E-4,1.3606088911399277E-4,null,"2019-10",63,72779,6052573,730156593.08999968,61974765819.259972]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.98865671595572724,5.8700296947574379E-3,2.1180140143871795E-3,1.1214120270341479E-3,1.2530167038986464E-3,6.3047220536545509E-4,2.023078153905901E-4,1.4512641454122533E-4,null,"2019-11",64,69724,6066312,700961779.38,61811142915.349953]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.98828279114269058,6.002860573708608E-3,2.2787707708002815E-3,1.0813468857408099E-3,1.3210484935901137E-3,6.4688687332997816E-4,2.1703507660125233E-4,1.6306061429994791E-4,null,"2019-12",65,72017,6083134,727775250.10999954,62144537008.549965]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.98861844467554449,5.7480866174054752E-3,2.2597691102204144E-3,1.0753688905704062E-3,1.3088768291974417E-3,6.024706387728814E-4,2.1484530714337374E-4,1.6202460767056622E-4,null,"2020-01",65,71763,6203852,727795774.18000019,64002065359.630058]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.98833834908708473,6.0945200972649339E-3,2.2471024570194808E-3,1.0548954200931392E-3,1.2925683384417957E-3,6.2693855509286822E-4,2.0619172304787978E-4,1.2934790911328851E-4,null,"2020-02",65,73215,6175449,737911005.25,63331495546.829987]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.98726938916296814,6.7321397418009365E-3,2.4991225663949955E-3,1.1124574760729919E-3,1.3780036003376041E-3,6.4632679071047671E-4,2.1201228681528688E-4,1.4370985944063737E-4,null,"2020-03",65,76214,6075433,789903173.10999966,62080894969.389946]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.9838838982501974,8.8421460526920178E-3,3.204506723007974E-3,1.38310706221101E-3,1.5714664744696544E-3,7.3441056137092035E-4,2.1180873517275559E-4,1.6691290477485694E-4,null,"2020-04",64,90965,6006839,983183281.37000084,61012871256.039955]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.9810146035669195,9.5974334579957601E-3,4.3618428785361027E-3,1.9308951352178805E-3,1.8430681926458279E-3,8.3856339986565357E-4,2.2245116754172534E-4,1.8688561672713317E-4,null,"2020-05",65,99949,5946997,1142129643.9999993,60171815450.190018]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.9839747837448477,6.2280139363301845E-3,3.4262216224302897E-3,2.6477807862381342E-3,2.3612053107618684E-3,9.1916194072715345E-4,2.2433859029297057E-4,2.0716278963292032E-4,null,"2020-06",64,88836,5940314,963224841.8299998,60149354341.480003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.98556836904219525,5.5111115054917413E-3,2.5141407047842282E-3,1.8913010829750894E-3,3.0735208516886924E-3,9.9321749884527868E-4,2.2578705879618154E-4,2.1883295523183029E-4,null,"2020-07",65,81089,5924498,863352960.93000007,59839080069.670006]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.98590543677013853,5.7609778765622373E-3,2.4194499397134517E-3,1.4026513134372681E-3,2.9863237254353242E-3,1.0467595914127373E-3,2.4416005043135608E-4,2.3120208863776259E-4,null,"2020-08",65,78634,5864710,830650681.36000001,58946828379.880028]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.98641137315696992,5.4695864400706017E-3,2.5304796752003591E-3,1.3160440968262874E-3,2.4800546029873703E-3,1.2952284741170675E-3,2.5362868394164165E-4,2.4039059819100727E-4,null,"2020-09",63,75517,5811480,790928822.19000018,58218977012.069969]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"EU and UK Auto - Modifications","index":4,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag**","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"EU + UK","2020-02",71743142862.119308,87499010.330000103,131208278.61999999,14265245.979999997,240359296.86000007,917680634.83000076,0,461492.87,0,33413762.420000002,39249109.970000006]
[null,null,"2020-03",73058675730.399872,106143142.70000012,305164405.34999985,17514347.349999998,246174339.48999998,1086223460.3699999,0,482219.21,0,42102066.309999987,81851182.910000101]
[null,null,"2020-04",69882469166.330368,353623086.45999998,217203639.24999967,26413001.369999994,244726553.59,1316652218.9500017,0,312966.86,0,32769367.030000001,40052569.499999896]
[null,null,"2020-05",68847866362.730621,416583149.16999996,171124249.69000024,24203481.91,256523186.22000003,1470219698.4099991,0,135659.22,0,30033448.23,39625379.390000001]
[null,null,"2020-06",68683574231.740211,191142274.46000001,422676251.49999988,22496482.039999999,268774233.60999995,1272081047.1400001,0,139655.63,0,27824545.220000003,59397342.390000105]
[null,null,"2020-07",66769115661.789993,161795699.08999994,373006790.56000078,28301351.120000005,248008394.37999988,1158975365.190001,0,768639.78,0,36222726.719999991,37935599.370000005]
[null,null,"2020-08",65913062031.640022,155835081.09000009,361791812.15000004,28574096.009999987,247239410.47000009,1138039258.0899982,0,140515.72,0,31328041.600000001,37647000.419999994]
[null,null,"2020-09",58621611702.629837,102665107.53999998,326792715.70999908,23829819.160000004,222267102.75,909771276.06000006,0,146087.87,0,25727053.59,994161.61999999988]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"EU + UK","2020-02",0.98000011968755063,1.1952228070178147E-3,1.7922845811023211E-3,1.9486103075578835E-4,3.2832704324581262E-3,1.2535374059326259E-2,0,6.3039204834410473E-6,0,4.5642677285192011E-4,5.3613670845383433E-4]
[null,null,"2020-03",0.97483925546877193,1.416293152980442E-3,4.0718811110776777E-3,2.3369809485324498E-4,3.2847626572033786E-3,1.4493737517051599E-2,0,6.4343654049225502E-6,0,5.6177786642058281E-4,1.0921597662359661E-3]
[null,null,"2020-04",0.9690525207997065,4.9036524815888978E-3,3.0119389977635927E-3,3.6626618756935173E-4,3.3935962265236488E-3,1.8257871638066879E-2,0,4.3398770568326007E-6,0,4.5440921169872004E-4,5.5540458002563832E-4]
[null,null,"2020-05",0.96620021305825432,5.8462629090626269E-3,2.4015310167900235E-3,3.3966788825358303E-4,3.6000063658373047E-3,2.0632833824682714E-2,0,1.9038203243182973E-6,0,4.2148472584196923E-4,5.5609639095304669E-4]
[null,null,"2020-06",0.96808185647752387,2.6941138398860649E-3,5.9575410106130888E-3,3.1708361629543982E-4,3.7883214721555702E-3,1.7929739322390566E-2,0,1.9684194229871652E-6,0,3.921816488660907E-4,8.3719419284632548E-4]
[null,null,"2020-07",0.97028205458044303,2.3511987807435285E-3,5.420497059602839E-3,4.1127238005086905E-4,3.6040329734355488E-3,1.6842113114704779E-2,0,1.1169795759290814E-5,0,5.2638501133392543E-4,5.5127630392637404E-4]
[null,null,"2020-08",0.97054207803493353,2.2946059365172517E-3,5.3272320592772883E-3,4.2074152929206686E-4,3.640496190186103E-3,1.6757148771237549E-2,0,2.0690347964703955E-6,0,4.6129221823488565E-4,5.5433622552491341E-4]
[null,null,"2020-09",0.9732344100861765,1.7044433353346944E-3,5.425403817074047E-3,3.9562201241223209E-4,3.6900724211367179E-3,1.5103998089664962E-2,0,2.4253468618608069E-6,0,4.2711984704432552E-4,1.6505044294570492E-5]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed*","Repuchased*"]
[null,"EU + UK","2020-02",195423839.64000005,195291213.09,113848333.74999997,459630622.54999977,830252726.49999988,11398868.23]
[null,null,"2020-03",306822818.60000014,123186167.77000003,175918485.54000005,519180239.45000017,941704538.48999989,25961933.850000005]
[null,null,"2020-04",463752259.2899999,341873949.1699999,456617441.22999996,819155365.24999976,532045207.32999998,50978315.530000001]
[null,null,"2020-05",392468504.73000002,452206856.56000006,397897185.34999996,617023686.12000012,624968634.68000019,151826987.89000002]
[null,null,"2020-06",221960732.31999999,510076075.4000001,159561520.25999996,538683996.14999986,820929857.74999988,29760323.310000002]
[null,null,"2020-07",107240640.49000001,199822387.11999997,127409607.55999997,313623797.29999989,973481543.42999983,12721409.690000001]
[null,null,"2020-08",89890490.049999997,168218928.55000001,104588191.41999997,282469082.47999996,825701848.17999983,11323160.779999999]
[null,null,"2020-09",65830523.719999984,116235711.29999998,87575214.339999959,211296421.15000001,888816129.67999995,8235933.3200000003]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"EU + UK","2020-02",195423839.64000005,195291213.09,113848333.74999997,459630622.54999977,830252726.49999988,11398868.23]
[null,null,"2020-03",502246658.24000019,318477380.86000001,289766819.29000002,978810862,1771957264.9899998,37360802.080000006]
[null,null,"2020-04",965998917.53000009,660351330.02999997,746384260.51999998,1797966227.2499998,2304002472.3199997,88339117.610000014]
[null,null,"2020-05",1358467422.2600002,1112558186.5900002,1144281445.8699999,2414989913.3699999,2928971107,240166105.50000003]
[null,null,"2020-06",1580428154.5800002,1622634261.9900002,1303842966.1299999,2953673909.5199995,3749900964.75,269926428.81000006]
[null,null,"2020-07",1687668795.0700002,1822456649.1100001,1431252573.6899998,3267297706.8199992,4723382508.1800003,282647838.50000006]
[null,null,"2020-08",1777559285.1200001,1990675577.6600001,1535840765.1099999,3549766789.2999992,5549084356.3600006,293970999.28000003]
[null,null,"2020-09",1843389808.8400002,2106911288.96,1623415979.4499998,3761063210.4499993,6437900486.0400009,302206932.60000002]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"EU + UK","2020-02",2.8862527818923314E-3,2.8842939945222974E-3,1.6814482337726313E-3,6.7883742608970095E-3,1.2078028065091017E-2,1.658240268268657E-4]
[null,null,"2020-03",4.4813879908804045E-3,1.7992306289538029E-3,2.5694275023937997E-3,7.583034732520518E-3,1.3410092852991825E-2,3.6970400942315165E-4]
[null,null,"2020-04",7.0568104229479277E-3,5.2022164841434944E-3,6.9482415535935694E-3,1.2464896943812184E-2,7.9970275275494471E-3,7.6624126481164199E-4]
[null,null,"2020-05",6.0294861042673766E-3,6.9472452566829721E-3,6.1128868204224562E-3,9.4793230453582341E-3,9.4400046173645034E-3,2.2933110354506092E-3]
[null,null,"2020-06",3.4243332730209946E-3,7.8692769595210075E-3,2.4616598495106794E-3,8.3106300487464438E-3,1.2484587452328737E-2,4.5259087054234085E-4]
[null,null,"2020-07",1.710884666956145E-3,3.1879057853077823E-3,2.0326542531012783E-3,5.0034589829139105E-3,1.5287206109696522E-2,1.9977246949305378E-4]
[null,null,"2020-08",1.4557081143577583E-3,2.7241775981262772E-3,1.6937262087614621E-3,4.5743719407092811E-3,1.3140394883698127E-2,1.8019918970602506E-4]
[null,null,"2020-09",1.2162574432786637E-3,2.1475227759803531E-3,1.6180033253387178E-3,3.9038250106425074E-3,1.6200853692421475E-2,1.5012008252583974E-4]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"EU + UK","2020-02",2.7341674835206593E-3,2.7323119105203044E-3,1.5928476933299573E-3,6.4306745017476338E-3,1.1616034216104045E-2,1.5948113045376598E-4]
[null,null,"2020-03",7.0269138309656106E-3,4.455804883315804E-3,4.0541165119128081E-3,1.3694505421279453E-2,2.4791386481039138E-2,5.2271355630696789E-4]
[null,null,"2020-04",1.3515253995071287E-2,9.2389502611025711E-3,1.044263370878775E-2,2.5155276879582161E-2,3.2235210675285189E-2,1.2359492236827961E-3]
[null,null,"2020-05",1.900626586913693E-2,1.5565759136156373E-2,1.6009598046263E-2,3.3788031728013923E-2,4.0979122995860644E-2,3.3601548179154998E-3]
[null,null,"2020-06",2.2111710005562335E-2,2.270221404385666E-2,1.8242017187754058E-2,4.1324738963321096E-2,5.2464721311020687E-2,3.7765303657665665E-3]
[null,null,"2020-07",2.3612109714624602E-2,2.5497921437332479E-2,2.0024600145495598E-2,4.5712637544249486E-2,6.6084664439540669E-2,3.9545151233223337E-3]
[null,null,"2020-08",2.4869764130918962E-2,2.7851466047863982E-2,2.1487889540830286E-2,4.966465169891688E-2,7.7637027490719684E-2,4.1129370337319561E-3]
[null,null,"2020-09",2.5790796476358142E-2,2.9477715449399661E-2,2.2713151023011139E-2,5.2620891864686131E-2,9.0072420046082832E-2,4.2281656625495585E-3]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"EU + UK","2020-02",0.34091026563412063,6.567910818897206E-2,0.39970923487435428,0.19370139130255343]
[null,null,"2020-03",0.41639951245225071,9.9362686196836289E-2,0.29381541666306488,0.19042238468784775]
[null,null,"2020-04",0.57346735740023846,0.14684820752032757,0.18704248705214604,9.264194802728784E-2]
[null,null,"2020-05",0.4422430527499413,0.2699581455151126,7.625890587217922E-2,0.21153989586276681]
[null,null,"2020-06",0.66441180738847172,0.23255276805260808,6.4766421113058623E-2,3.8269003445861399E-2]
[null,null,"2020-07",0.62469618741457433,0.22489162858225312,8.2264655448627724E-2,6.8147528554545325E-2]
[null,null,"2020-08",0.59584493654676673,0.15986898861054777,0.1174419149804157,0.12684415986227016]
[null,null,"2020-09",0.50541494537573761,0.1925849837367814,0.15258002872227494,0.1494200421652061]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"EU + UK","2020-02",67708497629.190025,80]
[null,null,"2020-03",68466024192.590019,84]
[null,null,"2020-04",65716978563.280006,80]
[null,null,"2020-05",65091534824.540009,80]
[null,null,"2020-06",64818671146.509972,80]
[null,null,"2020-07",62681396683.969994,77]
[null,null,"2020-08",61750353084.800003,77]
[null,null,"2020-09",54125484767.879997,63]

{"sheet":"DE Auto - Arrears","index":5,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"GERMANY",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding Germany",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.99038787053606547,4.7826888511061259E-3,1.8347749359613249E-3,9.1097324671719478E-4,1.2475164210901755E-3,5.8447241404071008E-4,1.5715155212906037E-4,9.4552042889410202E-5,null,"2019-09",38,35667,3654289,390833669.85000014,40660466686.020027]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.99001833044244358,4.8637825572670238E-3,1.9461616282405953E-3,1.0310053822043658E-3,1.2819148133239896E-3,5.8639756193203639E-4,1.6933297857031724E-4,1.030746360183204E-4,null,"2019-10",38,36195,3627929,399863286.78000009,40059759990.479996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.9905014568758489,4.6583110393797478E-3,1.7186235656102518E-3,9.3561401385848682E-4,1.2825978397089056E-3,6.186487038444677E-4,1.7871018759817528E-4,1.0603777415154928E-4,null,"2019-11",39,34352,3634654,378280510.44999999,39825108493.54998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.98969123809921933,4.9998129827515253E-3,1.9652625206802781E-3,1.0187437865853404E-3,1.357332058017453E-3,6.4528109101339251E-4,2.0668273713892799E-4,1.1564672459343341E-4,null,"2019-12",40,37942,3669260,415849011.13,40339374905.780022]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.99062026665447878,4.3459585198211232E-3,1.8920374550462603E-3,9.3590580456280842E-4,1.3116817563622837E-3,5.845003819505806E-4,1.9983647738126587E-4,1.0981295039620245E-4,null,"2020-01",40,35944,3811520,397726604.93000013,42402762453.790031]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.98978820951726676,5.1987888219413728E-3,1.8049818354480608E-3,9.4322179308345335E-4,1.3083748294577546E-3,6.3530162355466342E-4,2.056320894263322E-4,1.1548948982107848E-4,null,"2020-02",40,39306,3811468,428352495.24000007,41946855055.860016]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.98958985391257381,4.930369844811479E-3,2.1066606716811129E-3,9.8656954454541665E-4,1.3779338943860435E-3,6.6723238012349672E-4,2.1764933385437599E-4,1.2373041802480106E-4,null,"2020-03",40,38624,3703147,423121446.93999988,40645101748.47998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.98771425956150583,6.1966423550849376E-3,2.2985307019035093E-3,1.2185533184299563E-3,1.4962528204890576E-3,7.231268594299861E-4,2.0804345934979912E-4,1.4459092380754025E-4,null,"2020-04",40,44810,3693734,494005616.20999944,40209673864.029976]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.98499115118030178,7.590026860774552E-3,2.9543661213351307E-3,1.4832681801411661E-3,1.7955770484359668E-3,8.0110123412568219E-4,2.2086913797749651E-4,1.6364023690841671E-4,null,"2020-05",40,50164,3656814,593203298.11000037,39523570743.909988]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.98657728954558321,5.0393206971650444E-3,3.1151424875265152E-3,1.7648463823809833E-3,2.1683226643848755E-3,9.2035315783733169E-4,2.3350597946648728E-4,1.8121908565591629E-4,null,"2020-06",40,46786,3639890,524403584.38999987,39068382363.669998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.98772242228848917,4.56851369921462E-3,2.2408900366987709E-3,1.629647432931621E-3,2.4200990387700915E-3,9.90365887627779E-4,2.3631854220421096E-4,1.9174307406310111E-4,null,"2020-07",40,43622,3609329,472471732.04000008,38482487599.900024]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.98771139596060642,5.027174407830304E-3,2.1722620572123303E-3,1.1925943128470045E-3,2.3516319084249861E-3,1.0928653940737616E-3,2.5290911616513285E-4,1.9916684284109715E-4,null,"2020-08",40,43416,3562333,464820893.24999994,37825361754.669968]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.98850409447609966,4.4514335980077322E-3,2.1047247630855154E-3,1.1737019869212499E-3,2.0458888800799803E-3,1.2527282403390415E-3,2.654993570624382E-4,2.0192869840410485E-4,null,"2020-09",38,40315,3514456,427584547.80000013,37194507810.720001]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"DE Auto - Modifications","index":6,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"DE","2020-02",42455226302.849159,52827421.540000007,125750429.71999998,13558562.589999996,147983228.59999999,368236382.26999992,0,0,0,-1310579.76,1213026.5699999998]
[null,null,"2020-03",42577839084.319794,63258187.350000121,296357143.74999982,16551072.91,146356036.83000001,398565329.96999979,0,0,0,-1029952.62,1162247.8600000001]
[null,null,"2020-04",41923644437.750481,260435544.07999983,192132732.76999968,18684201.279999994,140613859.04000002,465174564.10000014,0,0,0,-1051041.9100000001,1261689.7]
[null,null,"2020-05",40901808983.690559,301044742.71000004,142300987.88000023,16889613.289999999,138260599.42999998,572583255.40999913,0,0,0,-1129111.07,1053890.33]
[null,null,"2020-06",40487125705.350182,72720353.450000003,354694449.11999989,16883874.799999997,134751585.67999992,513149848.04999983,0,0,0,-1067364.5899999999,1178908.82]
[null,null,"2020-07",39905410846.790146,70586148.370000035,342589181.9700008,22630379,130706875.58999988,446258215.6000011,0,0,0,-1247533.3899999997,1303747.18]
[null,null,"2020-08",39233478701.15023,64174604.989999995,330559968.97000003,24369512.959999986,138148454.51000005,436298741.90000015,0,0,0,-1426502.1400000001,1131331.22]
[null,null,"2020-09",37708859647.599945,62792498.609999992,326792715.70999908,23829819.160000004,145728925.78999999,393926080.04000026,0,0,0,-1180598.01,994161.61999999988]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"DE","2020-02",0.9835912583232761,1.2238914864296858E-3,2.913352116431585E-3,3.1412112948878601E-4,3.428435618058332E-3,8.531201412370128E-3,0,0,0,-3.036315920390955E-5,2.8103073149460456E-5]
[null,null,"2020-03",0.97882206916555414,1.4542426568658865E-3,6.8129552578490753E-3,3.8049266428465486E-4,3.3645793653621081E-3,9.1626195544188341E-3,0,0,0,-2.3677583840137932E-5,2.6718919505414627E-5]
[null,null,"2020-04",0.97494816039669474,6.0565143610003475E-3,4.4681099861019627E-3,4.3450725505187008E-4,3.2700216079946348E-3,1.0817787709416141E-2,0,0,0,-2.4442325813917527E-5,2.9341009554475191E-5]
[null,null,"2020-05",0.97216720500607334,7.1553271939354219E-3,3.3822551396703662E-3,4.0143770052615411E-4,3.2862219019193948E-3,1.3609340928348139E-2,0,0,0,-2.6837071032751008E-5,2.504920055999398E-5]
[null,null,"2020-06",0.97372952294051585,1.7489499152955922E-3,8.5305254624589641E-3,4.0606308963589584E-4,3.2408227295405503E-3,1.2341433184838201E-2,0,0,0,-2.5670491419620762E-5,2.8353169134386636E-5]
[null,null,"2020-07",0.9752475407724579,1.7250534739446128E-3,8.3725301938187141E-3,5.5306338158585646E-4,3.1943427288746323E-3,1.0906095641624333E-2,0,0,0,-3.0488443667455456E-5,3.1862251361491748E-5]
[null,null,"2020-08",0.97530855743043843,1.5953222474414466E-3,8.217419845335543E-3,6.0580390312427602E-4,3.4342447914373327E-3,1.0845989462533409E-2,0,0,0,-3.5461544333922254E-5,2.8123864023351799E-5]
[null,null,"2020-09",0.97535332029015043,1.6241507322398224E-3,8.4526120199094786E-3,6.1636690838247506E-4,3.7693314770031773E-3,1.0189040817105486E-2,0,0,0,-3.053659537155305E-5,2.5714350580573721E-5]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"DE","2020-02",22357015.619999997,64925479.009999998,61245960.04999999,126320628.15000002,495824367.36999995,8979548.3300000001]
[null,null,"2020-03",59074019.980000004,67250950.810000017,77573268.719999999,172926574.18999997,515196662.33999997,23470408.050000001]
[null,null,"2020-04",134599495.37000003,186955541.06999999,272502338.28000009,396569053.07999992,381196067.08999991,48041674.890000001]
[null,null,"2020-05",69883295.849999994,209832317.52000001,124768109.84999999,250884072.61999992,436698451.54999995,23184692.290000003]
[null,null,"2020-06",40640735.56000001,214238770.53999993,73428564.180000007,204846794.72999996,501709575.75999993,10019223.68]
[null,null,"2020-07",31274912.170000009,59828925.359999985,83896576.390000001,139999249.79999998,604303786.23999989,7550874.8100000005]
[null,null,"2020-08",24634022.689999994,59191064.440000013,78539820.040000021,135732229.79000002,535979160.08999997,7089964.2800000003]
[null,null,"2020-09",24143637.840000007,48833511.019999996,72339246.219999984,121104996.34999992,532634924.62000012,5551178.0500000007]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"DE","2020-02",22357015.619999997,64925479.009999998,61245960.04999999,126320628.15000002,495824367.36999995,8979548.3300000001]
[null,null,"2020-03",81431035.599999994,132176429.82000002,138819228.76999998,299247202.33999997,1011021029.7099999,32449956.380000003]
[null,null,"2020-04",216030530.97000003,319131970.88999999,411321567.05000007,695816255.41999984,1392217096.7999997,80491631.270000011]
[null,null,"2020-05",285913826.82000005,528964288.40999997,536089676.9000001,946700328.03999972,1828915548.3499997,103676323.56000002]
[null,null,"2020-06",326554562.38000005,743203058.94999993,609518241.08000016,1151547122.7699997,2330625124.1099997,113695547.24000001]
[null,null,"2020-07",357829474.55000007,803031984.30999994,693414817.47000015,1291546372.5699997,2934928910.3499994,121246422.05000001]
[null,null,"2020-08",382463497.24000007,862223048.75,771954637.51000023,1427278602.3599997,3470908070.4399996,128336386.33000001]
[null,null,"2020-09",406607135.0800001,911056559.76999998,844293883.73000026,1548383598.7099996,4003542995.0599995,133887564.38000001]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"DE","2020-02",5.5382873049614016E-4,1.6083361137340429E-3,1.5171869483405055E-3,3.1292187791471205E-3,1.2080144526494937E-2,2.1877553574953552E-4]
[null,null,"2020-03",1.4761021555157836E-3,1.6804218416951375E-3,1.9383490273180001E-3,4.3209737375962979E-3,1.245395859340892E-2,5.6735517015483051E-4]
[null,null,"2020-04",3.4005410405248443E-3,4.7232717211491198E-3,6.884538329158257E-3,1.0018977684081155E-2,9.5250727222591178E-3,1.2004332849487162E-3]
[null,null,"2020-05",1.7995738783005907E-3,5.4034194128848812E-3,3.2129198916567504E-3,6.4605485198881091E-3,1.1054550085022112E-2,5.8689546806484679E-4]
[null,null,"2020-06",1.0587773918601636E-3,5.5813745391686299E-3,1.9129698958267828E-3,5.33669364165277E-3,1.2919588809447475E-2,2.5800633750989175E-4]
[null,null,"2020-07",8.2805002526520149E-4,1.5840601849382533E-3,2.2212872036789285E-3,3.7066893011197611E-3,1.5760123845114264E-2,1.9692532936950951E-4]
[null,null,"2020-08",6.6402646840553741E-4,1.5955345164642214E-3,2.1170930946466417E-3,3.6587525444169598E-3,1.4190849030740726E-2,1.8771739691134597E-4]
[null,null,"2020-09",6.7773409552995888E-4,1.370801518893723E-3,2.0306291012618448E-3,3.3995285097196495E-3,1.4714504036484466E-2,1.5335613203029127E-4]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"DE","2020-02",5.4044089792632736E-4,1.5694574253941197E-3,1.48051163028091E-3,3.0535754353068576E-3,1.198566798314005E-2,2.1706453334034275E-4]
[null,null,"2020-03",1.9684497585342174E-3,3.195128975654265E-3,3.3557067687864793E-3,7.2337663256761171E-3,2.4439626576548971E-2,7.8441970349517331E-4]
[null,null,"2020-04",5.2221520135489396E-3,7.7144450688893052E-3,9.9429638021143948E-3,1.6820114467090017E-2,3.3654360255037319E-2,1.9457413376854659E-3]
[null,null,"2020-05",6.9114558008325664E-3,1.2786766349240542E-2,1.2959009882056467E-2,2.2884788562539195E-2,4.4210764888381611E-2,2.5061898399508682E-3]
[null,null,"2020-06",7.8938729530925698E-3,1.7965605756486525E-2,1.4734014195395145E-2,2.7836593739173555E-2,5.6338697266771709E-2,2.7483866668520391E-3]
[null,null,"2020-07",8.6498880627569174E-3,1.9411863105548825E-2,1.6762063996308436E-2,3.1220825407520181E-2,7.0946661335270444E-2,2.9309155710585161E-3]
[null,null,"2020-08",9.2453715373138467E-3,2.0842701306804632E-2,1.8660623785631058E-2,3.4501909492805183E-2,8.390299967095205E-2,3.1023027869050285E-3]
[null,null,"2020-09",9.8290008344989813E-3,2.202316416433087E-2,2.0409295784029495E-2,3.7429406350311008E-2,9.6778497090699092E-2,3.236492595638137E-3]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"DE","2020-02",0.72905624681978498,0.18043423008422485,7.0679298595046722E-2,1.9830224500943509E-2]
[null,null,"2020-03",0.62674673488992483,0.33193513292910581,2.8030933320461259E-2,1.3287198860508035E-2]
[null,null,"2020-04",0.75373772592254817,0.21360036361976908,2.7378869802659567E-2,5.2830406550229457E-3]
[null,null,"2020-05",0.74496556618830412,0.19219267518276337,4.9464298555976033E-2,1.3377460072956765E-2]
[null,null,"2020-06",0.6680336922031832,0.18702045067020928,0.12865370195578218,1.6292155170825356E-2]
[null,null,"2020-07",0.73292286275347829,0.19165114573045983,6.1998004965140734E-2,1.3427986550921145E-2]
[null,null,"2020-08",0.60662698772564982,0.21723203340931901,0.10260507436432835,7.3535904500703422E-2]
[null,null,"2020-09",0.54587882767877038,0.25267176265761948,0.17097646375232409,3.047294591128609E-2]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"DE","2020-02",40368103691.500008,41]
[null,null,"2020-03",40020278921.25,42]
[null,null,"2020-04",39581788240.739998,42]
[null,null,"2020-05",38833246410.530014,41]
[null,null,"2020-06",38384589501.479996,41]
[null,null,"2020-07",37769351145.160004,40]
[null,null,"2020-08",37097952961.350006,40]
[null,null,"2020-09",35624056690.139992,39]

{"sheet":"ES Auto - Arrears","index":7,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"ESPAGNE",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding Spain",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.98428273369861208,4.8687528334122538E-3,2.2761298215332945E-3,1.2284069027071946E-3,1.7177793303701108E-3,2.5924416150340844E-3,1.7420173254330737E-3,1.2917384728979558E-3,null,"2019-09",2,1345,141769,12856496.900000002,817985561.44999993]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.98382518143145126,4.707041995371493E-3,2.2836651262278175E-3,1.3757554499977515E-3,1.6983742614328072E-3,2.6563891014159389E-3,1.9067324241573188E-3,1.5468602099457359E-3,null,"2019-10",2,1325,137756,12519368.73,774003657.40999997]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.98264035686362039,4.899344730044196E-3,2.3627258562679745E-3,1.4643881054584957E-3,2.1066475676448275E-3,2.5899935793417439E-3,2.1274443685586493E-3,1.8090989290637004E-3,null,"2019-11",2,1348,131933,12694530.640000001,731266797.38]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.98225727773433213,4.2823779132210018E-3,2.539044214495024E-3,1.4813411427242258E-3,2.2323161449492278E-3,2.788119356232026E-3,2.1166233980748623E-3,2.3029000959716426E-3,null,"2019-12",2,1359,125073,12242250.570000002,689987161.30999994]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.98072073853464492,4.6590183003885812E-3,2.3973554863784292E-3,1.7076802702288814E-3,2.5233423636343505E-3,2.9342319247187476E-3,2.328900144205003E-3,2.7287329758010673E-3,null,"2020-01",2,1389,119759,12538836.09,650379482.25]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.97830863546876123,6.1195977348070685E-3,2.6943653256656149E-3,1.431268015167357E-3,2.8184342681713496E-3,2.9831179102284651E-3,2.6488530827778185E-3,2.995728194421384E-3,null,"2020-02",2,1479,114690,13284431.459999999,612429496.5799998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.97703583895467283,5.3978428922448283E-3,3.5378812394233706E-3,1.5889190177574694E-3,2.8550737691283583E-3,3.3082243874354824E-3,2.6148478453796825E-3,3.6613718939580413E-3,null,"2020-03",2,1529,110340,13245400.889999999,576785751.66999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.97265892209689864,7.8515528194932124E-3,3.4752052133704778E-3,2.2431540009106416E-3,3.0950499505823241E-3,3.6784687386247563E-3,2.6825541579873604E-3,4.3150930221322421E-3,null,"2020-04",2,1764,106076,14901691.66,545029413.72000027]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.97140751825665372,7.53039676183382E-3,3.9521362144071849E-3,1.8873158923591023E-3,3.4631145208623699E-3,4.0691315646873569E-3,2.7943432341973736E-3,4.8960435549990815E-3,null,"2020-05",2,1752,102007,14675471.640000001,513263303.67999995]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.97183253190103946,5.7194421318515999E-3,4.0777713596774137E-3,2.4091239152721012E-3,3.1164616442288661E-3,4.1650075849927219E-3,3.0708434453022362E-3,5.6088180176355187E-3,null,"2020-06",2,1643,97058,13556206.4,481271740.59000009]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.97155810071769466,5.788987484516268E-3,3.1038329304621682E-3,2.1881353513592107E-3,3.3754113967062382E-3,4.4739713176158288E-3,3.0581197470963312E-3,6.4534410545493484E-3,null,"2020-07",2,1560,91852,12787740.949999999,449609248.06999999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.96965524802384617,5.5376426861556503E-3,3.87192143567532E-3,1.7914498475707194E-3,3.5271311651167607E-3,4.825954085244501E-3,3.5044340192392359E-3,7.2862187371517933E-3,null,"2020-08",2,1583,88329,12746024.120000001,420040477.83999991]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.96762210451756869,6.3543367869686902E-3,3.4266142481546033E-3,2.207820098732452E-3,3.3075444679310714E-3,5.0672645160260927E-3,3.7347565096550847E-3,8.2795588549631604E-3,null,"2020-09",2,1610,83938,12689221.679999998,391910020.43000007]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"ES Auto - Modifications","index":8,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"ES","2020-02",4276209932.900095,29565518.230000101,2536653.08,174459.99,17595944.970000003,42116198.619999968,0,0,0,270.92,0]
[null,null,"2020-03",4508448296.4900579,29477668.630000006,2490440.41,203403.68,18985217.41,47779282.480000004,0,0,0,135.54,0]
[null,null,"2020-04",3955275402.6700144,41481763.57000009,705165.53,2048871,19698888.850000001,68117028.479999989,0,0,0,13439.46,0]
[null,null,"2020-05",3922952268.3600402,65863097.359999985,902680.8,2002565.75,20262659.729999993,64894279.590000018,0,0,0,120564.25,0]
[null,null,"2020-06",4085606930.860075,87010556.970000014,1112991.26,2036619.51,28932799.019999988,49810271.210000016,0,0,0,8613.94,0]
[null,null,"2020-07",3579784496.9600377,59945731.590000011,1167354.3400000001,2086028.97,22088540.230000004,48586821.170000009,0,0,0,312.5,0]
[null,null,"2020-08",3640648662.9900055,59824413.600000098,1175209.99,2084488.0699999998,22677085.299999986,45620708.45000001,0,0,0,76861.2,0]
[null,null,"2020-09",2076131873.520004,29864320.370000001,0,0,10621903.65,28850696.450000007,0,0,0,77603.600000000006,0]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"ES","2020-02",0.97894119607226215,6.768354274633028E-3,5.8070914176832202E-4,3.9938654546253532E-5,4.0281921807499678E-3,9.6415476550559161E-3,0,0,0,6.2020984236391442E-8,0]
[null,null,"2020-03",0.97852661323604206,6.3979181646742064E-3,5.4053236492935218E-4,4.4147320989596837E-5,4.1206063088757901E-3,1.0370153186496827E-2,0,0,0,2.9417992274918307E-8,0]
[null,null,"2020-04",0.9676892211535667,1.0148839560965146E-2,1.7252429048288264E-4,5.0127239708661628E-4,4.8194880174409803E-3,1.6665366510915963E-2,0,0,0,3.2880695415912936E-6,0]
[null,null,"2020-05",0.96221586493221611,1.6154802010848929E-2,2.2140819650931043E-4,4.9118633197783152E-4,4.9699948722750379E-3,1.5917171837257264E-2,0,0,0,2.9571818915388062E-5,0]
[null,null,"2020-06",0.96029824745537418,2.0451327497336441E-2,2.6160214981477701E-4,4.7869562081800872E-4,6.8004868464024331E-3,1.1707615773544438E-2,0,0,0,2.0246567096811706E-6,0]
[null,null,"2020-07",0.96395070777942915,1.6141957831150768E-2,3.1434072169092087E-4,5.6171792011153036E-4,5.947917816450779E-3,1.3083273782359446E-2,0,0,0,8.414880740359673E-8,0]
[null,null,"2020-08",0.96514978190217149,1.5859679162516294E-2,3.1155262991134361E-4,5.5260570089888435E-4,6.0117814042228027E-3,1.2094223004363807E-2,0,0,0,2.0376195915541666E-5,0]
[null,null,"2020-09",0.96764715778322474,1.3919214426472088E-2,0,0,4.95067534402011E-3,1.3446782825301144E-2,0,0,0,3.6169620981941316E-5,0]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"ES","2020-02",313786.35000000003,2378334.3999999994,28372582.449999996,30177694.629999999,39041967.189999998,0]
[null,null,"2020-03",3926815.4199999995,3261924.04,29882742.970000003,35778468.439999998,43610985.799999997,0]
[null,null,"2020-04",36698451.899999991,6898300.5099999998,20021943.239999998,46181193.059999995,23244080.260000002,0]
[null,null,"2020-05",44872659.159999996,13760122.539999999,47619415.82,54821934.599999994,29656638.82,0]
[null,null,"2020-06",45080463.979999997,28013436.940000001,54103357.380000003,57603887.090000004,36588460.140000001,102525.87]
[null,null,"2020-07",22038336.309999999,17840435.77,25322512.889999997,30269458.93,37464165.229999997,0]
[null,null,"2020-08",19409771.710000001,21998233.879999999,12777848.719999999,25436518.93,33915178.259999998,0]
[null,null,"2020-09",3364179.51,14334873.869999999,5715845.54,4954752.08,30150643.789999999,0]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"ES","2020-02",313786.35000000003,2378334.3999999994,28372582.449999996,30177694.629999999,39041967.189999998,0]
[null,null,"2020-03",4240601.7699999996,5640258.4399999995,58255325.420000002,65956163.069999993,82652952.989999995,0]
[null,null,"2020-04",40939053.669999987,12538558.949999999,78277268.659999996,112137356.13,105897033.25,0]
[null,null,"2020-05",85811712.829999983,26298681.489999998,125896684.47999999,166959290.72999999,135553672.06999999,0]
[null,null,"2020-06",130892176.80999997,54312118.43,180000041.85999998,224563177.81999999,172142132.20999998,102525.87]
[null,null,"2020-07",152930513.11999997,72152554.200000003,205322554.74999997,254832636.75,209606297.43999997,102525.87]
[null,null,"2020-08",172340284.82999998,94150788.079999998,218100403.46999997,280269155.68000001,243521475.69999996,102525.87]
[null,null,"2020-09",175704464.33999997,108485661.95,223816249.00999996,285223907.75999999,273672119.48999995,102525.87]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"ES","2020-02",7.1834262021796964E-5,5.4446567374601606E-4,6.4952587069142349E-3,6.9084981652809147E-3,8.7568083560925561E-3,0]
[null,null,"2020-03",8.5228733724798222E-4,7.0797739567722822E-4,6.4858366669974946E-3,7.7654619166027854E-3,9.1927359180400212E-3,0]
[null,null,"2020-04",8.9785647575083768E-3,1.6877234498763169E-3,4.8985258136051545E-3,1.1298591929655936E-2,5.4776952882486509E-3,0]
[null,null,"2020-05",1.1006298723970517E-2,3.3750622759767812E-3,1.1680019089287409E-2,1.3446642123037825E-2,7.0808306702781713E-3,0]
[null,null,"2020-06",1.0595901976638906E-2,6.5843961139504534E-3,1.2716680814551439E-2,1.3539460049697019E-2,8.3104350322740807E-3,2.3286975688569604E-5]
[null,null,"2020-07",5.9343990964668839E-3,4.8040044595391461E-3,6.8187496324983261E-3,8.1508443830773658E-3,9.6716226306350576E-3,0]
[null,null,"2020-08",5.1456041674980196E-3,5.8318153155920921E-3,3.3874562054440165E-3,6.7433177354382316E-3,8.7654795300904243E-3,0]
[null,null,"2020-09",1.5679826424536136E-3,6.6812229677725666E-3,2.664051239544558E-3,2.3093194747806248E-3,1.3398289264708946E-2,0]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"ES","2020-02",5.2339432927604642E-5,3.9670519067580464E-4,4.7325349752298249E-3,5.0336269375535914E-3,6.5121839210110499E-3,0]
[null,null,"2020-03",7.0733061496650973E-4,9.4079276652644678E-4,9.7169640983295526E-3,1.1001460621739659E-2,1.3786478249575112E-2,0]
[null,null,"2020-04",6.8286171583963762E-3,2.0914264281169073E-3,1.3056615919673236E-2,1.8704464454381297E-2,1.766358118834899E-2,0]
[null,null,"2020-05",1.4313358079689108E-2,4.3866091559760087E-3,2.0999514711678068E-2,2.7848740389131894E-2,2.2610296233084321E-2,0]
[null,null,"2020-06",2.1832760758698267E-2,9.0592388092187708E-3,3.0023932264413335E-2,3.7457044844428834E-2,2.8713236196603653E-2,1.7101272557615435E-5]
[null,null,"2020-07",2.5508746107115236E-2,1.2035016090107993E-2,3.4247716903115941E-2,4.2505978029131163E-2,3.4962243405630693E-2,1.7101272557615435E-5]
[null,null,"2020-08",2.8746287971366705E-2,1.5704312369847439E-2,3.6379056765539902E-2,4.6748778827981972E-2,4.0619281061242622E-2,1.7101272557615435E-5]
[null,null,"2020-09",2.9307431717167202E-2,1.8095363380971848E-2,3.733245742897022E-2,4.7575229418213412E-2,4.5648395929912988E-2,1.7101272557615435E-5]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"ES","2020-02",0.82677876204621381,0,2.6598257062488535E-2,0.14662298089129749]
[null,null,"2020-03",0.97797567984491629,0,3.4405513259393285E-3,1.8583768829144511E-2]
[null,null,"2020-04",0.8416166075386956,0.13863759059547687,1.7179099590301793E-2,2.5667022755256879E-3]
[null,null,"2020-05",0.6369146588369915,0.33216391114361588,2.5578807262288401E-2,5.3426227571042838E-3]
[null,null,"2020-06",0.55991326311987977,0.42771822442986318,8.2316938921621098E-3,4.1368185580950628E-3]
[null,null,"2020-07",0.5907171515525349,0.38975851530600414,4.8480202179109052E-3,1.4676312923550266E-2]
[null,null,"2020-08",0.86653884039937523,0.11579554688126725,1.5050456252893248E-2,2.6151564664641793E-3]
[null,null,"2020-09",0.73797382768079467,0.14272647418864995,0.10937623836844546,9.92345976211002E-3]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"ES","2020-02",4368198978.71,8]
[null,null,"2020-03",4607384444.6400003,9]
[null,null,"2020-04",4087340559.5600004,8]
[null,null,"2020-05",4076998115.8400002,8]
[null,null,"2020-06",4254518782.77,9]
[null,null,"2020-07",3713659285.7600002,8]
[null,null,"2020-08",3772107429.5999999,8]
[null,null,"2020-09",2145546397.5899999,5]

{"sheet":"FI Auto - Arrears","index":9,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"FRANCE",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding Finland",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.93731678332426727,5.5105856299332893E-2,4.604557668726905E-3,1.4901560386384981E-3,1.4826466690344071E-3,0,0,0,null,"2019-09",4,6887,112033,95429978.450000003,1522416741.05]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.92944247984287365,5.5247758207788621E-2,8.9437665297927241E-3,2.9565020587459193E-3,3.4094933607993635E-3,0,0,0,null,"2019-10",3,4224,62709,48139496.460000001,682273078.08999991]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.93623406976933632,5.1537890611732147E-2,8.1411641865435577E-3,2.0115792742578494E-3,2.0752961581299557E-3,0,0,0,null,"2019-11",4,6526,104789,87862480.520000011,1377890673.0000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.92811162845507844,5.8524756981479478E-2,8.0017923149653426E-3,2.8376271289085532E-3,2.5241951195682771E-3,0,0,0,null,"2019-12",4,7165,102152,95024542.650000006,1321834680.74]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.93341853109142237,4.9304301673288219E-2,1.1549492291229882E-2,2.5714643825881047E-3,3.1562105614716621E-3,0,0,0,null,"2020-01",4,6387,98791,83896139,1260052389.5799997]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.93677463305778153,4.7770871191401811E-2,9.5654455409329518E-3,2.8118037030770426E-3,3.0772465068067815E-3,0,0,0,null,"2020-02",4,5928,95674,76091635.200000018,1203498514.5999999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.92619704801272718,5.740288039687047E-2,9.8007625456375622E-3,3.126934593609861E-3,3.4723744511550537E-3,0,0,0,null,"2020-03",4,6670,92417,84515721.189999998,1145153668.1699998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.93386359600272673,4.9496510608230605E-2,9.7944689063770383E-3,3.6147101308031987E-3,3.230714351862262E-3,0,0,0,null,"2020-04",4,5782,89780,72592497.339999989,1097617846.6400001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.92624701476905869,5.6446860952930299E-2,9.0130797800435265E-3,4.4227331292954492E-3,3.8703113686720941E-3,0,0,0,null,"2020-05",4,6232,87007,77519315.220000014,1051066814.1399999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.93306067961064409,5.0397086828669072E-2,9.5606716545126192E-3,3.1735382152049138E-3,3.8080236909691411E-3,0,0,0,null,"2020-06",4,5431,83992,67020287.090000004,1001209553.6700001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.94044816839943868,4.4735230409692003E-2,8.7900472365469093E-3,2.7507592231218619E-3,3.2757947312006858E-3,0,0,0,null,"2020-07",4,4698,80701,56475956.349999994,948349611.28999996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.92838733821070285,5.4913138805380672E-2,1.0687043941040116E-2,2.7960197955053281E-3,3.2164592473711384E-3,0,0,0,null,"2020-08",4,5423,77780,64667806.569999993,903021965.02999997]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month refers to PCD "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Deals with quarterly submissions were excluded"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"FI Auto - Modifications","index":10,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"FR","2020-02",1183394455.569994,1504596.35,0,0,0,18599462.680000003,0,0,0,0,0]
[null,null,"2020-03",1122766125.110003,3606940.92,0,0,0,18780602.140000001,0,0,0,0,0]
[null,null,"2020-04",1075327317.9900019,4026284.7,0,0,0,18264243.949999999,0,0,0,0,0]
[null,null,"2020-05",1030369501.5800021,2507419.65,0,0,0,18189892.91,0,0,0,0,0]
[null,null,"2020-06",982861227.40999997,1786083.98,0,0,0,16562242.280000001,0,0,0,0,0]
[null,null,"2020-07",933166610.92000091,1131682.3900000001,0,0,0,14051317.98,0,0,0,0,0]
[null,null,"2020-08",887317928.57999897,624000.39,0,0,0,15080036.060000001,0,0,0,0,0]
[null,null,"2020-09"]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"FR","2020-02",0.9832953187842679,1.250185464915245E-3,0,0,0,1.5454495750816855E-2,0,0,0,0,0]
[null,null,"2020-03",0.98045018438811249,3.1497440214849257E-3,0,0,0,1.6400071590402431E-2,0,0,0,0,0]
[null,null,"2020-04",0.97969190395524708,3.6682026557104128E-3,0,0,0,1.6639893389042468E-2,0,0,0,0,0]
[null,null,"2020-05",0.98030828080426569,2.385594917723291E-3,0,0,0,1.7306124278011033E-2,0,0,0,0,0]
[null,null,"2020-06",0.98167384021382642,1.783926225486953E-3,0,0,0,1.6542233560686678E-2,0,0,0,0,0]
[null,null,"2020-07",0.98399008109535979,1.1933177137707887E-3,0,0,0,1.4816601190869442E-2,0,0,0,0,0]
[null,null,"2020-08",0.98260946349242095,6.9101352366248412E-4,0,0,0,1.6699522983916602E-2,0,0,0,0,0]
[null,null,"2020-09"]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",8070862.5800000001,7724.71,14107321.15,13811826.789999999,31009284.119999997,0]
[null,null,"2020-03",41053275.409999996,41140.43,49632232.700000003,54697726.479999997,30670347.039999999,0]
[null,null,"2020-04",41008917.189999998,62416.99,26496158,24405651.57,23016801.640000001,0]
[null,null,"2020-05",13655245.109999999,20540.03,14325240.300000001,12308413.93,23472803.98,0]
[null,null,"2020-06",7604763.9499999993,20947.89,8164206.7299999995,6911214.0700000003,26082241.91,0]
[null,null,"2020-07",4481305.49,0,5362810.2699999996,4830516.6400000006,29264393.969999999,0]
[null,null,"2020-08",3434966.58,24927.14,3712064.58,3674832.77,23897495.910000004,0]
[null,null,"2020-09",0,0,0,0,0,0]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",8070862.5800000001,7724.71,14107321.15,13811826.789999999,31009284.119999997,0]
[null,null,"2020-03",49124137.989999995,48865.14,63739553.850000001,68509553.269999996,61679631.159999996,0]
[null,null,"2020-04",90133055.179999992,111282.13,90235711.849999994,92915204.840000004,84696432.799999997,0]
[null,null,"2020-05",103788300.28999999,131822.16,104560952.14999999,105223618.77000001,108169236.78,0]
[null,null,"2020-06",111393064.23999999,152770.04999999999,112725158.88,112134832.84,134251478.69,0]
[null,null,"2020-07",115874369.72999999,152770.04999999999,118087969.14999999,116965349.48,163515872.66,0]
[null,null,"2020-08",119309336.30999999,177697.19,121800033.72999999,120640182.25,187413368.56999999,0]
[null,null,"2020-09"]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",6.706167462684794E-3,6.4185455206543554E-6,1.1721926515786995E-2,1.1476397039501589E-2,2.4609519712379575E-2,0]
[null,null,"2020-03",3.5849577703929221E-2,3.5925685035567326E-5,4.3341111398013714E-2,4.7764529774776063E-2,2.5484324798019157E-2,0]
[null,null,"2020-04",3.7361744176751012E-2,5.6865866559175686E-5,2.4139693137378709E-2,2.2235108188801745E-2,2.0099312677207541E-2,0]
[null,null,"2020-05",1.2991795503669235E-2,1.9542078318594984E-5,1.3629238510133293E-2,1.1710401055779642E-2,2.1385224422010227E-2,0]
[null,null,"2020-06",7.5955766923360172E-3,2.0922583012930827E-5,8.1543436137555391E-3,6.9028646846871228E-3,2.4815017998014631E-2,0]
[null,null,"2020-07",4.7253728336581159E-3,0,5.6548874024477062E-3,5.0936032265877689E-3,2.9229039877545535E-2,0]
[null,null,"2020-08",3.8038571740454667E-3,2.7604134744576091E-5,4.1107134972920385E-3,4.0694832598871678E-3,2.5199035909861604E-2,0]
[null,null,"2020-09"]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",6.706167462684794E-3,6.4185455206543554E-6,1.1721926515786995E-2,1.1476397039501589E-2,2.576595130265398E-2,0]
[null,null,"2020-03",4.0817780324662149E-2,4.0602576078991702E-5,5.2961888258902225E-2,5.6925332635553882E-2,5.1250276100673141E-2,0]
[null,null,"2020-04",7.4892535459386927E-2,9.2465531656253205E-5,7.4977834002554741E-2,7.7204253858910415E-2,7.0375186817866642E-2,0]
[null,null,"2020-05",8.623882707864873E-2,1.0953246589075601E-4,8.6880831909254441E-2,8.7431448808204471E-2,8.9878994836941367E-2,0]
[null,null,"2020-06",9.2557708122326249E-2,1.2693829543343916E-4,9.3664560040995007E-2,9.3174051716440748E-2,0.11155101320139178,0]
[null,null,"2020-07",9.6281273573912557E-2,1.2693829543343916E-4,9.8120577397844341E-2,9.7187780509122704E-2,0.13586711630827966,0]
[null,null,"2020-08",9.9135424649571896E-2,1.4765052706281089E-4,0.10120497221426317,0.100241239009835,0.15572380546916548,0]
[null,null,"2020-09"]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"FR","2020-02",0.99836285157019733,1.0937368729179875E-4,0,1.5277747425108555E-3]
[null,null,"2020-03",0.99911210616848556,0,6.3764315364770059E-4,2.5025067786667987E-4]
[null,null,"2020-04",0.99816324655315791,1.3435799766358086E-3,2.6061770786296636E-4,2.325557623434534E-4]
[null,null,"2020-05",1,0,0,0]
[null,null,"2020-06",1,0,0,0]
[null,null,"2020-07",0.9989369950317758,0,0,1.0630049682241144E-3]
[null,null,"2020-08",0.99781815053350531,2.1818494664946637E-3,0,0]
[null,null,"2020-09"]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"FR","2020-02",1203498514.5999999,4]
[null,null,"2020-03",1145153668.1700001,4]
[null,null,"2020-04",1097617846.6399999,4]
[null,null,"2020-05",1051066814.14,4]
[null,null,"2020-06",1001209553.6700001,4]
[null,null,"2020-07",948349611.28999996,4]
[null,null,"2020-08",903021965.02999997,4]
[null,null,"2020-09"]

{"sheet":"FR Auto - Arrears","index":11,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"FRANCE",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding France",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.99110512163952347,4.1051942572342646E-3,1.7273238470015941E-3,7.7573773761987997E-4,7.0479153465289213E-4,6.1921718068803163E-4,4.4962214529135013E-4,5.1299165798837924E-4,null,"2019-09",5,5287,630010,36349419.610000007,4086556121.0500011]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.99166274287974376,3.6444118508921434E-3,1.7062765682546396E-3,7.7103114483744904E-4,7.5528481987073635E-4,5.1416796735735812E-4,4.4003669987781335E-4,5.0604806916611299E-4,null,"2019-10",5,5235,644189,35375333.090000018,4243042115.6199999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.99202773203563854,3.3340554590712769E-3,1.6125569226869204E-3,8.6435266159592592E-4,7.9215692607265511E-4,4.4793786309902365E-4,4.3102982437892193E-4,4.9017830745644655E-4,null,"2019-11",5,5163,662021,35462243.380000003,4448200128.0600004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.99230176311000373,3.2167751636313115E-3,1.4429252224153885E-3,7.9401506664710843E-4,9.2825815244174548E-4,3.7496590991633217E-4,4.2831548364233383E-4,5.1298189130222866E-4,null,"2019-12",5,4969,660954,34281342.389999986,4453142047.9599991]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.99180963628148811,3.4307628565893571E-3,1.735424262772102E-3,8.1163844498585648E-4,8.953121886047413E-4,4.0262917725063658E-4,4.0234128539248353E-4,5.1225550291709597E-4,null,"2020-01",5,5245,658444,36311449.720000006,4433435555.2399988]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.99292094886392912,3.475928844415002E-3,1.5324534377279162E-3,7.7969011012042448E-4,6.9619607015736305E-4,3.2255768048974621E-4,1.9216566871303888E-4,8.005932444742223E-5,null,"2020-02",5,4114,650759,31120416.870000001,4396128276.4899998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.99255399217242402,3.6349758754468803E-3,1.6522296905469088E-3,8.3111229239206017E-4,7.295091615925522E-4,3.3726958683181314E-4,1.5126871421442578E-4,1.096425065516922E-4,null,"2020-03",5,4628,687958,35004854.050000004,4701157299.3999987]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.99055891945390317,4.6351696412756088E-3,2.1021272114576288E-3,1.035644083459333E-3,9.6750211373409709E-4,4.0735874516152686E-4,1.5907979333892424E-4,1.3419895766964102E-4,null,"2020-04",4,5176,648092,40193951.730000012,4257346554.1100001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.99062047567393297,3.9472681777696023E-3,2.2910764215933106E-3,1.2188880106219079E-3,1.1524376830243275E-3,4.6656316127606875E-4,1.5232518282761324E-4,1.5096568895381205E-4,null,"2020-05",5,5124,635044,39753356.029999994,4238312589.000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.99304577214799172,2.6799734808291482E-3,1.5435992918208397E-3,8.6666238613118641E-4,1.1788310012747691E-3,4.3140372290989928E-4,1.0333073206642713E-4,1.5042723697590747E-4,null,"2020-06",4,4523,675434,34370310.560000002,4942361868.4100008]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.99356295887750201,2.5818384723288383E-3,1.1368767048995185E-3,7.0247745421467137E-4,1.2495003834560119E-3,5.1636088197834062E-4,1.1345256654721847E-4,1.3653465907360483E-4,null,"2020-07",5,4460,708695,34594258.279999994,5374248450.7499981]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.99429090966893618,2.3316056246952678E-3,1.0903622191821996E-3,5.9506079800047094E-4,8.8613411587547795E-4,5.2013130960888645E-4,1.3066039885125462E-4,1.5513586485041135E-4,null,"2020-08",5,4086,715654,30933128.550000001,5418223702.2399998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.99406599468996937,2.761176717932677E-3,1.0660855559779764E-3,5.9977591990366711E-4,7.088145618864666E-4,5.065197007451045E-4,1.4645819390739435E-4,1.4517465967751777E-4,null,"2020-09",5,4234,725100,32626311.460000001,5498193843.0099983]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month refers to PCD "]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Deals with quarterly submissions were excluded"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"FR Auto - Modifications","index":12,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"FR","2020-02",4825396650.5000343,2575441.42,2856526.03,527802.16,13948018.990000002,71922975.919999912,0,156320.13,0,11391.15,0]
[null,null,"2020-03",5166213249.3800182,3529176.4499999997,5966615.2199999997,719989.27,16359022.540000003,87441164.479999885,0,155854.76,0,4081.32,0]
[null,null,"2020-04",4624804821.1600733,4721952.24,24308348.039999999,5678950.4199999999,18909480.360000003,106174004.69000009,0,0,0,575.35,0]
[null,null,"2020-05",4811184397.9501171,5358622.21,27867659.859999999,5310695.12,23124706.34,90418403.400000215,0,0,0,1419.83,0]
[null,null,"2020-06",4525721730.9099731,2909275.6499999901,29703734.119999997,3315792.48,26792488.539999988,69208451.160000011,0,0,0,3825.68,0]
[null,null,"2020-07",4820565663.2098246,4650668.3099999996,29250254.25,3584943.15,28960495.59,64785979.75,0,58474.74,0,13197.670000000002,0]
[null,null,"2020-08",4855934762.7897158,5961295.7400000002,30056633.190000001,2120094.98,28623710.91,59591251.150000006,0,0,0,66403.839999999997,0]
[null,null,"2020-09",3673441498.3199372,6725591.9400000004,0,0,15216432.549999999,31082268.720000003,0,0,0,6665.44,0]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"FR","2020-02",0.98129121751718551,5.2374099576127083E-4,5.8090227785891155E-4,1.0733368916748634E-4,2.836464964021475E-3,1.4626234840338424E-2,0,3.1789214814962215E-5,0,2.3165008520620908E-6,0]
[null,null,"2020-03",0.97837736940921294,6.683553706859299E-4,1.1299574797693699E-3,1.3635155460723481E-4,3.0980713854024456E-3,1.6559606108456179E-2,0,2.9515771559953214E-5,0,7.7292030595067009E-7,0]
[null,null,"2020-04",0.96660256375084108,9.8690675987233201E-4,5.0805412216548274E-3,1.1869231778756444E-3,3.9521564481044174E-3,2.2190788391217985E-2,0,0,0,1.2025043359874095E-7,0]
[null,null,"2020-05",0.96935858169201139,1.0796564828240798E-3,5.61478276502448E-3,1.0700001212830797E-3,4.6591713569193935E-3,1.8217521514250032E-2,0,0,0,2.8606768753868044E-7,0]
[null,null,"2020-06",0.97167382316347972,6.2462236115067515E-4,6.3774006911398486E-3,7.1190164738884742E-4,5.7523553854229156E-3,1.4859075376766218E-2,0,0,0,8.2137465200553371E-7,0]
[null,null,"2020-07",0.97348395211638461,9.391742137138824E-4,5.9069111587910471E-3,7.239574916298898E-4,5.8483961576057033E-3,1.3083135054064899E-2,0,1.180861852554342E-5,0,2.6651892843988475E-6,0]
[null,null,"2020-08",0.97462657492060556,1.1964817348219796E-3,6.0326167649718196E-3,4.2552073077618694E-4,5.7450173217944763E-3,1.1960460722950862E-2,0,0,0,1.3327804079393175E-5,0]
[null,null,"2020-09",0.98576912636216807,1.8048146115827465E-3,0,0,4.0833342324963157E-3,8.340936120932332E-3,0,0,0,1.7886728204667291E-6,0]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",8122786.9400000004,7911725.5099999998,3287363.4299999997,11010951.159999998,39290062.989999995,2112220.5300000003]
[null,null,"2020-03",12256580.91,6573635.8899999997,7942737.129999999,18476880.379999999,36319478.359999999,2180867.17]
[null,null,"2020-04",37237065.760000005,32274538.729999997,25477800.949999999,48505785.609999999,14688110.139999999,2639931.7400000002]
[null,null,"2020-05",18393408.589999996,24752569.530000001,7429449.5,22162530.459999997,17589348.280000001,98916807.579999998]
[null,null,"2020-06",10570319.140000001,9767587.9400000013,4433256.7700000005,13849790.15,32099580.230000004,4815777.5599999996]
[null,null,"2020-07",5541661.129999999,5714162.3700000001,5372643.96,10355578.529999999,47196891.890000008,2006856.0799999998]
[null,null,"2020-08",4956847.5199999996,5114013.8900000006,6130587.540000001,10466683.140000001,33154229.740000002,1839203.2]
[null,null,"2020-09",1134493.82,1150553.05,5446607.4000000004,6884135.4600000009,25920308.32,1683345.9200000002]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",8122786.9400000004,7911725.5099999998,3287363.4299999997,11010951.159999998,39290062.989999995,2112220.5300000003]
[null,null,"2020-03",20379367.850000001,14485361.399999999,11230100.559999999,29487831.539999999,75609541.349999994,4293087.7]
[null,null,"2020-04",57616433.610000007,46759900.129999995,36707901.509999998,77993617.150000006,90297651.489999995,6933019.4400000004]
[null,null,"2020-05",76009842.200000003,71512469.659999996,44137351.009999998,100156147.61,107886999.77,105849827.02]
[null,null,"2020-06",86580161.340000004,81280057.599999994,48570607.780000001,114005937.76000001,139986580,110665604.58]
[null,null,"2020-07",92121822.469999999,86994219.969999999,53943251.740000002,124361516.29000001,187183471.89000002,112672460.66]
[null,null,"2020-08",97078669.989999995,92108233.859999999,60073839.280000001,134828199.43000001,220337701.63000003,114511663.86]
[null,null,"2020-09",98213163.809999987,93258786.909999996,65520446.68,141712334.89000002,246258009.95000002,116195009.78]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",2.12100756671153E-3,2.0658955844106677E-3,8.5839044666125009E-4,2.8751598311713314E-3,1.0132656978827443E-2,5.4472822045549757E-4]
[null,null,"2020-03",3.1448794143523863E-3,1.6867095595185057E-3,2.0380031492607631E-3,4.7409274393239815E-3,9.4836770913230024E-3,5.6946412650369976E-4]
[null,null,"2020-04",1.0878024286942267E-2,9.4283265608949198E-3,7.4428028056306422E-3,1.4169943392521341E-2,4.2783241274948827E-3,7.6895417793902438E-4]
[null,null,"2020-05",5.0331694379834192E-3,6.7732892389335891E-3,2.0329933944256062E-3,6.0645513545702521E-3,4.524807924437037E-3,2.5446056765327608E-2]
[null,null,"2020-06",3.1655171357925036E-3,2.9251214263177113E-3,1.3276373292928909E-3,4.1476276606493478E-3,9.6651991321502415E-3,1.4500329524571043E-3]
[null,null,"2020-07",1.5480785114825684E-3,1.5962672145778259E-3,1.5008630930709063E-3,2.8928597798009432E-3,1.2851448705561682E-2,5.4645564440291335E-4]
[null,null,"2020-08",1.3908403659332372E-3,1.4349396307746945E-3,1.7201797277636144E-3,2.9368434977690913E-3,9.2617266594304214E-3,5.1378654980478332E-4]
[null,null,"2020-09",4.9941585773204784E-4,5.0648529608735438E-4,2.3976526433618817E-3,3.0304672928932359E-3,1.1677550485141536E-2,7.5837666443147572E-4]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"FR","2020-02",2.12100756671153E-3,2.0658955844106677E-3,8.5839044666125009E-4,2.8751598311713314E-3,1.0259350825513913E-2,5.5153923890726092E-4]
[null,null,"2020-03",5.3214240055701485E-3,3.7823916056021925E-3,2.9323837297019375E-3,7.6998097185416153E-3,1.9743027916836915E-2,1.1210033654109608E-3]
[null,null,"2020-04",1.504469987412258E-2,1.2209861310778817E-2,9.5851014480519657E-3,2.0365553516580624E-2,2.3578360910026609E-2,1.8103376096182742E-3]
[null,null,"2020-05",1.9847553757300615E-2,1.8673207900623417E-2,1.152506598514977E-2,2.6152593746782051E-2,2.8171260006233167E-2,2.7639317109125917E-2]
[null,null,"2020-06",2.2607656545186337E-2,2.1223702956358597E-2,1.2682670046883922E-2,2.9769026126764783E-2,3.6553044861480623E-2,2.8896804313925061E-2]
[null,null,"2020-07",2.4054685166730011E-2,2.2715774792504567E-2,1.4085565207938954E-2,3.2473056231462502E-2,4.887701267737856E-2,2.9420830976500681E-2]
[null,null,"2020-08",2.5349008306634412E-2,2.4051136933242664E-2,1.5686373238086231E-2,3.5206097772782552E-2,5.753418572235227E-2,2.9901080419547144E-2]
[null,null,"2020-09",2.56452452994771E-2,2.4351567283438826E-2,1.7108581600024011E-2,3.7003670885161537E-2,6.4302450172018577E-2,3.0340632688994333E-2]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"FR","2020-02",0.91881913746219712,2.0107295834106906E-2,2.0546597027940754E-2,4.0526969675755149E-2]
[null,null,"2020-03",0.94057958778652573,1.4294936025515131E-2,1.4385483300334206E-2,3.0739992887624978E-2]
[null,null,"2020-04",0.99104950636690536,1.4353123402492277E-3,3.8846095160211132E-3,3.6305717768241245E-3]
[null,null,"2020-05",0.98213714122685081,5.7435700122181665E-3,4.6801695063090005E-3,7.4391192546220735E-3]
[null,null,"2020-06",0.94093648529139862,3.311647693543527E-2,9.0637821555877799E-3,1.6883255617578256E-2]
[null,null,"2020-07",0.91516571855053142,8.9693015927879392E-3,2.3351817616462597E-2,5.2513162240218049E-2]
[null,null,"2020-08",0.91024541138195014,7.8430312498295306E-3,1.3060256491408071E-2,6.8851300876812127E-2]
[null,null,"2020-09",0.60307694756768271,2.0056169190943673E-2,0.10739400942704121,0.26947287381433244]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"FR","2020-02",3829683150.3499999,5]
[null,null,"2020-03",3897313472.1999998,5]
[null,null,"2020-04",3423146039.9200001,4]
[null,null,"2020-05",3654438583.2099996,5]
[null,null,"2020-06",3339207682.8400002,4]
[null,null,"2020-07",3579702895.4899998,5]
[null,null,"2020-08",3563922676.8299999,5]
[null,null,"2020-09",2271641563.71,2]

{"sheet":"IT Auto - Arrears","index":13,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"ITALY",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding Italy",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.98736214919020371,7.9888348414185531E-3,1.9942940049607221E-3,1.0219485779352987E-3,1.148759326632889E-3,3.9262134802399553E-4,8.1042360516654006E-5,1.0350350308540086E-5,null,"2019-09",9,11171,949915,86273745.969999999,6826615321.5799971]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.98710081771149849,8.2308139076508538E-3,2.0691682322376806E-3,9.5741804330242797E-4,1.1801145099097641E-3,3.5613219820120886E-4,8.3580192563321662E-5,2.1955204636230049E-5,null,"2019-10",9,11371,931232,85631082.980000019,6638489251.8599997]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.98718340846250408,8.1845405016290774E-3,1.9431192759854156E-3,9.528129888837501E-4,1.1971872858557607E-3,3.590517890884911E-4,8.9351012286035882E-5,9.052868376738444E-5,null,"2019-11",9,11245,928730,84552917.950000048,6597145403.4899998]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.98702312376741219,8.3164888717025872E-3,2.0487764297640767E-3,8.519843710141161E-4,1.1871694175119103E-3,3.1494227710400095E-4,1.1935763257664267E-4,1.3815723291431172E-4,null,"2019-12",9,11362,920012,84273004.549999967,6494090183.1500015]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.98644124102272335,8.5646620132383052E-3,2.102911576757713E-3,1.0696057576569825E-3,1.1786405197485817E-3,3.619521387232516E-4,1.3554372439194824E-4,1.45443246759566E-4,null,"2020-01",9,11619,907956,86466884.819999978,6377197571.3200016]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.98659794073833784,8.4210638350004398E-3,2.0580951581669967E-3,1.0619614428780582E-3,1.2262670426610907E-3,4.4072011871926041E-4,1.4013701294868033E-4,5.3814651287420923E-5,null,"2020-02",9,11300,895953,84188740.470000014,6281776466.3100014]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.98603078572939995,8.9351597811330313E-3,2.1738432491598763E-3,1.0232051290093324E-3,1.2887810808688801E-3,3.6490280024975932E-4,1.2546021180802252E-4,5.7862018371263613E-5,null,"2020-03",9,11277,878923,85943715.420000017,6152365749.0799999]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.98143370894379622,1.2394096494977263E-2,2.8674313579017383E-3,1.2498512665608521E-3,1.4458065945141488E-3,3.8548930657314733E-4,1.494626484146102E-4,7.4153387262050206E-5,null,"2020-04",9,14534,865396,112437743.25000001,6056015329.5900011]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.97784234877619103,1.3340887054695456E-2,5.0242332811645035E-3,1.5168838501616491E-3,1.6032068668975375E-3,4.2086983056762535E-4,1.6080110968385775E-4,9.0769230638122666E-5,null,"2020-05",9,16574,860182,132984512.36,6001742288.3300018]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.98069430970150628,1.0204329483905346E-2,3.6006295643680958E-3,2.8447871811697954E-3,1.952887858418577E-3,4.395702124216583E-4,1.4824380928120371E-4,1.1524218892863758E-4,null,"2020-06",9,14491,840402,112868937.97000001,5846407780.5500021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.98560849219181623,7.2047136999111973E-3,2.1564524048614865E-3,1.5211319160306706E-3,2.7749129776942533E-3,4.6177917252736631E-4,1.507529466418534E-4,1.2176469051689714E-4,null,"2020-07",9,11054,834612,83883762.459999964,5828698672.7200003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.98726179814100679,6.6575407464755957E-3,1.6821799766513104E-3,8.4954696283898623E-4,2.6725609604330838E-3,5.6450541867080341E-4,1.8125745483740154E-4,1.3061033908572217E-4,null,"2020-08",9,9700,826238,72609287.36999999,5700120642.9100018]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.98786755932414183,6.8352218549297726E-3,1.613398736619971E-3,6.9909510224691932E-4,1.9449547446488064E-3,6.9542101732906396E-4,1.9799240787048649E-4,1.4635681221268087E-4,null,"2020-09",9,9368,826965,68946465.779999986,5682819114.6400013]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"IT Auto - Modifications","index":14,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"IT","2020-02",7855411214.7400122,57733.86,0,0,16986499.359999999,203738354.90000069,0,305172.74,0,50477.54,207096.79]
[null,null,"2020-03",8217381290.039999,5269468.62,288174.09999999998,38597.57,20426637.329999998,239101024.16000018,0,326364.45,0,54257.009999999995,209166.89]
[null,null,"2020-04",7531176304.7299261,41898901.609999999,0,0,18963494.120000005,263908052.02000111,0,312966.86,0,32150.959999999999,230079.59]
[null,null,"2020-05",7455674680.5098934,40727389.350000001,0,0,20570469.91,279370849.56000012,0,135659.22,0,41030.49,259971.99]
[null,null,"2020-06",7817070333.2000132,26716004.41,37165077,260195.25,23601555.040000003,271394301.94999981,0,139655.63,0,37694.47,246035.06]
[null,null,"2020-07",7317881939.1299992,25481468.429999899,0,0,15583916.339999998,256865796.80999991,0,710165.04,0,47541.04,327581.38]
[null,null,"2020-08",7177106008.189929,25250766.369999997,0,0,15555347.779999999,246904736.81999913,0,140515.72,0,47978.229999999996,339729.19]
[null,null,"2020-09",6002995057.1799412,3282696.62,0,0,16199645.660000002,231807045.31999996,0,146087.87,0,48300.08,0]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"IT","2020-02",0.97259477442192832,7.1481490921625321E-6,0,0,2.1031337585812456E-3,2.5225268787105657E-2,0,3.7784070636949485E-5,0,6.249729045062948E-6,2.5641083610696993E-5]
[null,null,"2020-03",0.9686772704123755,6.211728894133402E-4,3.3970396497225713E-5,4.5499396258353002E-6,2.4079227425543516E-3,2.8185588481435184E-2,0,3.8472332416754307E-5,0,6.3958979743632083E-6,2.4656907707499035E-5]
[null,null,"2020-04",0.9585890999560488,5.3330089163165922E-3,0,0,2.4137263589349089E-3,3.3590952040005256E-2,0,3.9835293784724264E-5,0,4.0922637529766523E-6,2.9285171156840401E-5]
[null,null,"2020-05",0.95625048182872063,5.2236165549674873E-3,0,0,2.6383288710681023E-3,3.58315673562059E-2,0,1.7399390403745001E-5,0,5.2624916608466067E-6,3.334350697319719E-5]
[null,null,"2020-06",0.9560258344399134,3.2673609575308831E-3,4.5452800392552792E-3,3.1821816920600948E-5,2.8864645435470737E-3,3.3191458298901258E-2,0,1.7079850188622527E-5,0,4.6100246766960003E-6,3.0090029066130414E-5]
[null,null,"2020-07",0.96074301467389001,3.345386411175984E-3,0,0,2.0459661537935779E-3,3.3723148589520614E-2,0,9.3235461725243228E-5,0,6.2415221330780482E-6,4.3007187761442546E-5]
[null,null,"2020-08",0.96138971863559231,3.3823977447296691E-3,0,0,2.0836743122405938E-3,3.3073452613115187E-2,0,1.8822401168454742E-5,0,6.4267933325352511E-6,4.5507499821473235E-5]
[null,null,"2020-09",0.95979140991988421,5.2485534091529997E-4,0,0,2.5900872148174204E-3,3.7062567724579117E-2,0,2.3357321034570662E-5,0,7.7224787694929483E-6,0]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"IT","2020-02",143983705.37,90400995.350000024,3069807.6599999997,235167133.49000001,52547015.259999998,259684.59999999998]
[null,null,"2020-03",174527831.21000004,9070999.4799999986,6618128.4600000009,184029665.34000003,58958725.660000004,224978.55]
[null,null,"2020-04",185461466.31999999,88678036.599999994,110142728.5,248453193.66999999,23593953.599999998,196748.34999999998]
[null,null,"2020-05",196909106.53,177706858.86999997,198550778.41999999,207106413.81,40611695.170000002,26506500.649999995]
[null,null,"2020-06",71507470.830000013,107292162.38000001,15134797.259999998,85071987.299999997,60050272.5,14767577.229999999]
[null,null,"2020-07",23309453.710000001,27669619.059999999,3681742.79,28150389.59,52320438.879999995,3022983.9400000004]
[null,null,"2020-08",23294874.870000001,27740390.66,1666617.49,44160722.940000005,34879136.82,2274098.11]
[null,null,"2020-09",21793781.609999996,5422965.4299999988,2726950.96,24689541.609999999,29578353.870000001,927446.55]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"IT","2020-02",143983705.37,90400995.350000024,3069807.6599999997,235167133.49000001,52547015.259999998,259684.59999999998]
[null,null,"2020-03",318511536.58000004,99471994.830000028,9687936.120000001,419196798.83000004,111505740.92,484663.14999999997]
[null,null,"2020-04",503973002.90000004,188150031.43000001,119830664.62,667649992.5,135099694.52000001,681411.5]
[null,null,"2020-05",700882109.43000007,365856890.29999995,318381443.03999996,874756406.30999994,175711389.69,27187912.149999995]
[null,null,"2020-06",772389580.26000011,473149052.67999995,333516240.29999995,959828393.6099999,235761662.19,41955489.379999995]
[null,null,"2020-07",795699033.97000015,500818671.73999995,337197983.08999997,987978783.19999993,288082101.06999999,44978473.319999993]
[null,null,"2020-08",818993908.84000015,528559062.39999998,338864600.57999998,1032139506.14,322961237.88999999,47252571.429999992]
[null,null,"2020-09",840787690.45000017,533982027.82999998,341591551.53999996,1056829047.75,352539591.75999999,48180017.979999989]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"IT","2020-02",2.2284816617467978E-2,1.3991649945626941E-2,4.7512390779361208E-4,3.6397566174680415E-2,8.0152095668470751E-3,3.9610746299938482E-5]
[null,null,"2020-03",2.5416757648420198E-2,1.3210236660460793E-3,9.6380827050748514E-4,2.6800524430046598E-2,8.4227688663311776E-3,3.2140150678628693E-5]
[null,null,"2020-04",2.9722161503599596E-2,1.4211593264875875E-2,1.7651537162310743E-2,3.9817252040935162E-2,3.7291011047753844E-3,3.1096716632846728E-5]
[null,null,"2020-05",3.186028306365838E-2,2.8753321396484982E-2,3.2125908823862015E-2,3.3510227559132515E-2,6.5084536789706523E-3,4.2479470741120127E-3]
[null,null,"2020-06",1.08997125923192E-2,1.6354287458028981E-2,2.3069609141848049E-3,1.2967319364879694E-2,8.9359768592800967E-3,2.1975375448115022E-3]
[null,null,"2020-07",3.8815330780195725E-3,4.6075958267316605E-3,6.130905769796811E-4,4.687654619114745E-3,8.6945380939929644E-3,5.0235528574486127E-4]
[null,null,"2020-08",3.9825375821889017E-3,4.7425516970828864E-3,2.8492820099266478E-4,7.5498039696137494E-3,5.8081379762889513E-3,3.7868699740654672E-4]
[null,null,"2020-09",4.6982762929859909E-3,1.1690761325129926E-3,5.8787269124623443E-4,5.3225406268056202E-3,6.4135069938363216E-3,2.0109925525190722E-4]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"IT","2020-02",2.0569329768811651E-2,1.2914571687154233E-2,4.3854883386353305E-4,3.3595678810401208E-2,7.5068000401309429E-3,3.7098213020394262E-5]
[null,null,"2020-03",4.5502154665690388E-2,1.4210443182872215E-2,1.3840062826510771E-3,5.9885923695370082E-2,1.5929568906462122E-2,6.9238363699022955E-5]
[null,null,"2020-04",7.199694482503767E-2,2.6878875165427661E-2,1.7118856961283735E-2,9.5379632233985503E-2,1.9300171231921924E-2,9.7345583764098392E-5]
[null,null,"2020-05",0.10012713036436287,5.2265851927023835E-2,4.5483569667352015E-2,0.1249665921746724,2.5101906562149348E-2,3.8840306915406812E-3]
[null,null,"2020-06",0.11034259707051707,6.7593474340489901E-2,4.7645707633068732E-2,0.13711986852191702,3.3680612427409447E-2,5.9937080689194859E-3]
[null,null,"2020-07",0.11367255610205995,7.1546321071027805E-2,4.8171676744482042E-2,0.1411413975213914,4.1155044052891894E-2,6.4255677254541847E-3]
[null,null,"2020-08",0.11700043241898705,7.5509278142697187E-2,4.8409767608043205E-2,0.14745014246338156,4.6137833358518163E-2,6.7504425009089321E-3]
[null,null,"2020-09",0.12011386445418565,7.628399611490029E-2,4.8799336368032235E-2,0.15097725910419763,5.0363359526268824E-2,6.8829363402699477E-3]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"IT","2020-02",0.16762303871802353,5.6316498447952119E-2,0.52220279028647698,0.25385767254754737]
[null,null,"2020-03",0.13494132441067419,4.2040021348638622E-2,0.49722775409717984,0.3257909001435072]
[null,null,"2020-04",0.24674482213486681,0.12920911683429206,0.39911501121361348,0.22493104981722759]
[null,null,"2020-05",0.2741093532501338,0.21752308003832374,9.534155352606688E-2,0.41302601318547555]
[null,null,"2020-06",0.56368940157074221,0.26015790118247706,7.5195402768239689E-2,0.10095729447854114]
[null,null,"2020-07",0.42391648911792545,0.14432014674615901,0.17764773904690537,0.25411562508901031]
[null,null,"2020-08",0.19624365983984357,0.17884108342497398,0.25406411337379298,0.37085114336138958]
[null,null,"2020-09",0.17128347144155859,0.18408251591174862,0.24523339618800555,0.39940061645868713]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"IT","2020-02",6461067543.9500008,10]
[null,null,"2020-03",6866644189.0100002,11]
[null,null,"2020-04",6239837782.2399998,10]
[null,null,"2020-05",6180394133.2400007,10]
[null,null,"2020-06",6560491409.6899986,11]
[null,null,"2020-07",6005218361.2700014,10]
[null,null,"2020-08",5849254247.8899994,10]
[null,null,"2020-09",4638676027.3200006,8]

{"sheet":"PT Auto - Arrears","index":15,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"PORTUGAL",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding Portugal",null,null,null,null,null,null,null,null,null,"Data Availability"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.90438361992963867,6.5656589051897057E-2,1.3068909901602166E-2,5.0953446048198339E-3,6.3238201172166018E-3,3.806481497752515E-3,8.3289818580469693E-4,8.3233671126858302E-4,null,"2019-09",2,6487,69395,47508935.840000011,496870262.23999995]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.90567630162041957,6.4884702209174208E-2,1.2252739734526957E-2,4.8874973862881718E-3,6.5662429751683869E-3,3.8934257364117097E-3,9.9081188425820103E-4,8.4827845375299964E-4,null,"2019-10",2,6365,67513,45224520.769999988,479460851.79999989]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.90109916680461055,6.8784579570713267E-2,1.2701386560260293E-2,4.9948629260505211E-3,6.3406356205947707E-3,3.9086763046600114E-3,1.2494429098559524E-3,9.2124930325475211E-4,null,"2019-11",2,6374,65866,45933066.420000002,464435585.99000001]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.90188301204496968,6.7835315401039181E-2,1.2214363110511623E-2,5.5810493683223755E-3,5.9242434247356798E-3,4.0636465685864737E-3,1.3420727753936073E-3,1.1562973064412254E-3,null,"2019-12",2,6134,64120,43996433.63000001,448407911.28000003]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.90209427696132938,6.6873582867040773E-2,1.2289203686944953E-2,6.1115769975922081E-3,5.2403441117601672E-3,4.6779158384661554E-3,1.4636204978809289E-3,1.2494790389855806E-3,null,"2020-01",2,6028,62342,42415388.13000001,433226851.43999994]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.89593389590668471,7.2497440737715635E-2,1.2964540639296009E-2,5.6014218244631415E-3,5.6533712622907255E-3,4.270623749898516E-3,1.5568554368522048E-3,1.5218504427990218E-3,null,"2020-02",2,6176,60862,43710119.730000004,420022639.56000006]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.891647515027857,7.3199387146999251E-2,1.4790040317883847E-2,6.3132048475577542E-3,6.7502106795779802E-3,3.8152852378027457E-3,1.749434530866355E-3,1.7349222114549144E-3,null,"2020-03",2,6274,59411,43948240.11999999,405604358.14000005]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.88901744413494987,7.0219012734769173E-2,1.7170005533205294E-2,8.0395313467786222E-3,7.7475254071296528E-3,3.9798662462747908E-3,1.8310048689612916E-3,1.99560972793082E-3,null,"2020-04",2,6306,58299,43847320.109999992,395082990.91000021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.89925101583955447,6.0830833902199025E-2,1.4596436631813259E-2,8.3515857699891765E-3,8.4008476090475237E-3,4.5445795419510578E-3,1.7482644260003667E-3,2.2764362794448342E-3,null,"2020-05",2,5628,56833,38467373.010000005,381814003.69000012]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.90477861650828972,5.9080565397768937E-2,1.1592016099939807E-2,6.7129717165479675E-3,8.8365350583909531E-3,4.5852734397071673E-3,1.7781941275017098E-3,2.6358276518537622E-3,null,"2020-06",2,5299,55403,35243519.43,370121900.54000002]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.90946761743200377,5.8725613109122977E-2,9.1574402396308631E-3,5.6278309180011572E-3,7.5546239744384482E-3,4.5912340695487769E-3,1.9139452292125344E-3,2.9616950280410038E-3,null,"2020-07",2,4925,53777,32392115.970000006,357795907.40000015]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.90643570116899963,6.3081226685299557E-2,8.8941966345432305E-3,4.7400313386225584E-3,6.63298635406347E-3,4.8999126873634623E-3,2.0214321548385644E-3,3.2945129762694731E-3,null,"2020-08",2,4867,51891,32099306.299999997,343072162.15000004]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.90072380823311671,6.7524075645240239E-2,1.0735903946639331E-2,4.7914344511649854E-3,5.9275309325485005E-3,4.8350173500129236E-3,1.649184402730406E-3,3.8130450385468724E-3,null,"2020-09",2,4953,50417,32909098.66,331490340.98000002]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"PT Auto - Modifications","index":16,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"PT","2020-02",769623909.97000098,968298.93,64669.79,4421.24,25645079.780000001,20823552.789999992,0,0,0,497733.84,1986913.64]
[null,null,"2020-03",743613477.19999683,1001700.73,62031.869999999995,1283.92,25518218.809999999,20089986.699999999,0,0,0,420159.34,1943978.52]
[null,null,"2020-04",718141482.49000192,1058640.26,57392.909999999996,978.67,25428054.560000002,24412644.480000019,0,0,0,288371.62,2018881.23]
[null,null,"2020-05",697038599.78000236,1081877.8899999999,52921.15,607.75,25981934.190000001,20973749.75,0,0,0,503365.45,2025810.08]
[null,null,"2020-06",335600129.06,0,0,0,25286282.120000001,9235489.3599999994,0,0,0,0,0]
[null,null,"2020-07",325112323.17000091,0,0,0,24697215.199999996,7986369.0299999993,0,0,0,0,0]
[null,null,"2020-08",311331468.32999891,0,0,0,24314137.710000001,7426556.1100000003,0,0,0,0,0]
[null,null,"2020-09",300089848.15000021,0,0,0,23836902.420000002,7563590.4100000001,0,0,0,0,0]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"PT","2020-02",0.93900710012842903,1.1814076440948955E-3,7.8902683748717582E-5,5.3942915462873794E-6,3.1289194221783806E-2,2.5406518257042352E-2,0,0,0,6.0727792325527576E-4,2.424204850099765E-3]
[null,null,"2020-03",0.93813497999948203,1.263735156929214E-3,7.8258757951651483E-5,1.6197800341870138E-6,3.2193517770930817E-2,2.534531695412693E-2,0,0,0,5.3006862585612275E-4,2.452502954689093E-3]
[null,null,"2020-04",0.93095084440763287,1.3723508083027872E-3,7.4400350530168875E-5,1.2686826831634843E-6,3.296323836104946E-2,3.1646928282263329E-2,0,0,0,3.738257845952167E-4,2.6171433229431737E-3]
[null,null,"2020-05",0.93229496959206559,1.4470207458786631E-3,7.0782481695560515E-5,8.1287071899376527E-7,3.4751054752569302E-2,2.8052566086841306E-2,0,0,0,6.7325550844610476E-4,2.7095379617843147E-3]
[null,null,"2020-06",0.90672864418551435,0,0,0,6.8318794654160839E-2,2.495256116032479E-2,0,0,0,0,0]
[null,null,"2020-07",0.9086529958726971,0,0,0,6.9025985734346429E-2,2.2321018392956554E-2,0,0,0,0,0]
[null,null,"2020-08",0.90748099868819365,0,0,0,7.087178848212497E-2,2.164721282968142E-2,0,0,0,0,0]
[null,null,"2020-09",0.90527478798576966,0,0,0,7.1908286526629589E-2,2.2816925487600656E-2,0,0,0,0,0]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"PT","2020-02",642341.61,480030.73,1531172.6199999999,2255139,5145091.0600000005,9838.8799999999992]
[null,null,"2020-03",4508492.1099999994,713825.08000000007,1323115.0900000001,5924160.2799999993,5096034.42,7848.05]
[null,null,"2020-04",14182095.66,1963161.75,1179147.54,16182479.859999999,2379162.9699999997,63665.47]
[null,null,"2020-05",31145131.43,6325181.0299999993,3515739.32,32949252.770000003,3140235.4299999997,3173473.0599999996]
[null,null,"2020-06",3757814.91,1157779.1000000001,1830557.33,4575867.9400000004,3456562.71,0]
[null,null,"2020-07",2153628.79,740293,1867507.35,3181170.37,3981876.46,0]
[null,null,"2020-08",523258.43000000005,326703.87,108075.28,580709.02,3639941.46,0]
[null,null,"2020-09",684627.59,455801.94,276739,922328.29999999993,3897755.9099999997,0]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"PT","2020-02",642341.61,480030.73,1531172.6199999999,2255139,5145091.0600000005,9838.8799999999992]
[null,null,"2020-03",5150833.72,1193855.81,2854287.71,8179299.2799999993,10241125.48,17686.93]
[null,null,"2020-04",19332929.379999999,3157017.56,4033435.25,24361779.140000001,12620288.449999999,81352.399999999994]
[null,null,"2020-05",50478060.810000002,9482198.5899999999,7549174.5700000003,57311031.910000004,15760523.879999999,3254825.4599999995]
[null,null,"2020-06",54235875.719999999,10639977.689999999,9379731.9000000004,61886899.850000001,19217086.59,3254825.4599999995]
[null,null,"2020-07",56389504.509999998,11380270.689999999,11247239.25,65068070.219999999,23198963.050000001,3254825.4599999995]
[null,null,"2020-08",56912762.939999998,11706974.559999999,11355314.529999999,65648779.240000002,26838904.510000002,3254825.4599999995]
[null,null,"2020-09",57597390.530000001,12162776.499999998,11632053.529999999,66571107.539999999,30736660.420000002,3254825.4599999995]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"PT","2020-02",7.8371179050484201E-4,5.8567861251530384E-4,1.8681617645666612E-3,2.7514627668715078E-3,6.0789164641407104E-3,1.1624620229890497E-5]
[null,null,"2020-03",5.6878664590220979E-3,9.0055424986443342E-4,1.6692281495058457E-3,7.4738586055733301E-3,6.2175985450677942E-3,9.5752933045572527E-6]
[null,null,"2020-04",1.8384725366885721E-2,2.5449122957421065E-3,1.528568429493931E-3,2.0977890370629419E-2,3.0015271020648183E-3,8.0319690614003906E-5]
[null,null,"2020-05",4.1656874337572182E-2,8.4599826435571204E-3,4.7023308084624604E-3,4.4069901751472317E-2,4.0707923110930621E-3,4.1138793635319788E-3]
[null,null,"2020-06",1.0152911525952471E-2,3.1281021153053219E-3,4.9458227879227244E-3,1.2363137478014421E-2,9.0530014001435899E-3,0]
[null,null,"2020-07",6.0191543431835247E-3,2.0690370814453875E-3,5.2194765545828603E-3,8.8910194449026841E-3,1.0758283836191608E-2,0]
[null,null,"2020-08",1.5252138987925754E-3,9.5228906931002077E-4,3.1502200389184218E-4,1.6926730993291699E-3,1.0173233915531366E-2,0]
[null,null,"2020-09",2.0653017761422675E-3,1.3750082088440101E-3,8.3483277124112834E-4,2.7823685518958974E-3,1.1361329597753258E-2,0]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"PT","2020-02",7.8371179050484201E-4,5.8567861251530384E-4,1.8681617645666612E-3,2.7514627668715078E-3,6.277451848313324E-3,1.2004276449352673E-5]
[null,null,"2020-03",6.2844583854592823E-3,1.4566063600639364E-3,3.4824755192491195E-3,9.9794458026839731E-3,1.2495050393381118E-2,2.1579569753909929E-5]
[null,null,"2020-04",2.3587830002330792E-2,3.8518318696539491E-3,4.9211365299265683E-3,2.97234575068131E-2,1.5397833028187412E-2,9.9256897067381505E-5]
[null,null,"2020-05",6.1587558399988133E-2,1.156909457397815E-2,9.2106396767419781E-3,6.992436848963629E-2,1.92291892615973E-2,3.9711658863845764E-3]
[null,null,"2020-06",6.6172414504050717E-2,1.2981684257324499E-2,1.1444076434351472E-2,7.550731936895283E-2,2.3446491874838202E-2,3.9711658863845764E-3]
[null,null,"2020-07",6.8800026118832569E-2,1.3884905134652065E-2,1.3722595381690806E-2,7.9388619735861407E-2,2.8304722264172133E-2,3.9711658863845764E-3]
[null,null,"2020-08",6.9438446228456255E-2,1.4283511843195453E-2,1.3854456481578313E-2,8.0097134486799795E-2,3.2745762661585291E-2,3.9711658863845764E-3]
[null,null,"2020-09",7.0273750536996873E-2,1.483962925634728E-2,1.4192101768472493E-2,8.1222454024212742E-2,3.750135877371779E-2,3.9711658863845764E-3]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"PT","2020-02",0.64311094528034696,0.20610928505783707,0,0.15077976966181592]
[null,null,"2020-03",0.15451182413181597,0.70573275773127608,0.11287333493858548,2.6882083198322377E-2]
[null,null,"2020-04",2.7105262805708644E-2,0.41846730640371382,0.54332598896036499,1.1101441830212559E-2]
[null,null,"2020-05",1.5878419749535792E-2,0.80677052580349307,0.17399449869651745,3.3565557504536109E-3]
[null,null,"2020-06",0.14243863596783696,0.40146847998961183,0.4372208981415745,1.887198590097669E-2]
[null,null,"2020-07",0.20953158320287871,0.3313275125747181,0.38479591926331924,7.4344984959083871E-2]
[null,null,"2020-08",0.26069282820727796,0.40209441059554452,0.10807565966973527,0.22913710152744216]
[null,null,"2020-09",0.49206134096932908,0.33025714023590547,9.4245734385317428E-2,8.3435784409448072E-2]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"PT","2020-02",819614579.98000014,3]
[null,null,"2020-03",792650837.08999991,3]
[null,null,"2020-04",771406446.22000003,3]
[null,null,"2020-05",747658866.04000008,3]
[null,null,"2020-06",370121900.54000002,2]
[null,null,"2020-07",357795907.39999998,2]
[null,null,"2020-08",343072162.14999998,2]
[null,null,"2020-09",331490340.98000002,2]

{"sheet":"UK Auto - Arrears","index":17,"n_rows":34,"n_cols":31,"rows_kept":34,"cut":false,"hidden":false,"merged":[[1,8,1,13]]}
[null,"Summary"]
[]
[]
[]
[]
[null,"UNITED KINGDOM",null,null,null,null,null,null,null,null,null,null,null,null,null,"Amount in Arrears as % of Total Outstanding UK",null,null,null,null,null,null,null,null,null,"Data Availability UK"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Month","Zero","One","Two","Three","Three - Six","Six - Twelve","Twelve - Eighteen","Eighteen +",null,"Month","Deals","Delinquent loans","Active loans"," Balance of Delinquent loans","Total Balance"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-09",0.98523258355455523,7.6080944932103651E-3,3.7414782728830043E-3,1.2807446541522498E-3,1.5347893777780076E-3,4.1537474819509029E-4,8.8981929945276933E-5,4.1155782669439121E-5,null,"2019-09",7,11515,644254,144194936.98000002,9802098364.6499996]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-10",0.98446707775716147,8.5209781869589139E-3,3.9609576380565531E-3,1.0817194912709882E-3,1.2057520082052653E-3,5.9840055262411478E-4,8.582962942901872E-5,4.1541075314875221E-5,null,"2019-10",7,12288,643954,151543000.74000001,9780009952.0900021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-11",0.98520079199204846,7.4870927187522356E-3,3.5765797895557002E-3,1.90185173749756E-3,1.0737590095802124E-3,6.4257831815149916E-4,7.644350861584764E-5,2.2475828965526669E-5,null,"2019-11",7,11242,643108,144038510.53999999,9744986506.8799973]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2019-12",0.98585133136071912,7.1660011306985977E-3,3.6397089759259804E-3,1.3900763790971528E-3,1.162815165915288E-3,6.9028731196496844E-4,4.1708167971042045E-5,1.8432845162213166E-5,null,"2019-12",7,10251,643715,137133207.84000003,9719534799.0700016]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-01",0.9842366940785412,8.4263848050535259E-3,3.7521132823244768E-3,1.5417792108097185E-3,1.3142387251260878E-3,5.9213425880397621E-4,4.9462105290834321E-5,2.0499112768850679E-5,null,"2020-01",7,11538,643831,152336610.49000001,9705063445.5900021]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-02",0.9857463772388757,6.7730051720336941E-3,4.1179465495988863E-3,1.4383514529899279E-3,1.2521586347682147E-3,5.4255520413656888E-4,4.460962147764061E-5,1.8966677777756158E-5,null,"2020-02",7,10840,641717,137254801.48000002,9674283612.0300007]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-03",0.98030558135969037,1.1737388573086824E-2,4.2022559893305691E-3,1.5920704269537275E-3,1.4373265822067163E-3,5.9569616627473535E-4,6.4035467733982004E-5,2.1421844716659383E-5,null,"2020-03",7,13882,635654,188639515.69,9599880062.6199989]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-04",0.97089933234368775,1.7121514639203819E-2,7.1311625479232301E-3,1.9909080288069776E-3,1.8946325567311747E-3,8.4670038515400974E-4,8.2706454566796846E-5,2.1905564981186477E-5,null,"2020-04",7,18375,635242,277796958.40999997,9549723103.6799984]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-05",0.96601514398819432,1.6148297198369067E-2,1.0325416029420182E-2,4.1136898203638994E-3,2.1487884384452658E-3,1.1004167160067752E-3,9.9159907744192981E-5,2.2164387262496109E-5,null,"2020-05",7,20707,636117,323045632.85000002,9513112521.5800018]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-06",0.97421154688827827,8.4960118198699423E-3,5.2377600379001086E-3,6.9648064562019777E-3,3.7388817957844499E-3,1.1573815296366129E-3,9.0847098841818701E-5,3.0570441531709564E-5,null,"2020-06",7,16094,632127,242782283.07999995,9440808687.7200031]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-07",0.97566444836896449,7.9698313352874577E-3,4.371561963503484E-3,3.7257656971158575E-3,6.8129366440287508E-3,1.3054010212545709E-3,9.2934488335984431E-5,3.330775195628205E-5,null,"2020-07",7,15468,626233,227223351.22999996,9346240190.8300037]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-08",0.97644795095599557,8.104676652635253E-3,4.3591006469658675E-3,2.9357315681106245E-3,6.8496314771724111E-3,1.1494655356138282E-3,9.9506812851445718E-5,3.455125832504882E-5,null,"2020-08",7,14982,620265,217442041.76999992,9240009640.0700016]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2020-09",0.97627642733635545,8.1102709330578612E-3,5.3843710930935396E-3,2.5481616845273863E-3,5.4911074785459904E-3,2.0270377768077962E-3,1.0417664565465741E-4,3.7928360797844556E-5,null,"2020-09",7,15037,610604,216173176.81,9120055882.2900066]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"Please note, the figures will not necessarilly add up with those found in the \"Arrears\" and \"Default\" categories for the countries because :"]
[null,"- We selected only the deals that consistently reported data from 2019-09  to 2020-09 (deals that stopped reporting in between or that became active in between are not selected in that sample)"]
[null,"- There is a possibility that loans flagged as \"Defaulted\" do not report number of months in arrears"]

{"sheet":"UK Auto - Modifications","index":18,"n_rows":91,"n_cols":14,"rows_kept":91,"cut":false,"hidden":false,"merged":[[70,3,70,6],[81,3,81,4],[2,3,2,13],[14,3,14,13],[25,3,25,8],[37,3,37,8],[48,3,48,8],[59,3,59,8]]}
[null,"Summary"]
[]
[null,null,"Table A","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased*","Repurchased by Seller – restructure*","Repurchased by Seller – special servicing*","Redeemed*","Others"]
[null,"UK","2020-02",9585355824.7600117,0,0,0,15585102.31000001,135490503.35999978,0,0,0,33802161.530000001,0]
[null,null,"2020-03",9959021045.8599968,0,0,0,16087962.819999998,187641661.89000005,0,0,0,42324687.969999991,42746123.600000098]
[null,null,"2020-04",9299518331.1498566,0,0,0,18267519.830000009,275409594,0,0,0,32869672.840000004,0]
[null,null,"2020-05",9203040112.8600502,0,0,0,25512234.990000013,324917990.20999998,0,0,0,29574539.98,0]
[null,null,"2020-06",9609623395.5899944,0,0,0,26248135.77,259359987.92999998,0,0,0,26826063.970000003,21019727.18]
[null,null,"2020-07",9060087225.1300106,0,0,0,22948941.010000002,224174008.14999998,0,0,0,34666902.299999997,0]
[null,null,"2020-08",8973789636.7301426,0,0,0,14937261.549999999,221050535.75999999,0,0,0,29609692.250000004,0]
[null,null,"2020-09",8860093777.8600254,0,0,0,10663292.680000009,216541595.11999992,0,0,0,26775082.48,0]
[null,null,null,"*Amounts flagged as \"redeemed\" or \"Repurchased\" in that month, often zero as 0 is typically reported once a loan was redeemed or repurchased"]
[null,null,null,"** Account status = performing and payment due = 0"]
[null,null,"Table B","Loan Status According to Fields AA74 (Account Status) and Field AA28 (Payment Due = 0) by Percentage of Current Balance AA27"]
[null,null,null,"Performing","Performing +flag","Restructured - no arrears","Restructured - arrears","Defaulted","Arrears","Repurchased","Repurchased by Seller – restructure","Repurchased by Seller – special servicing","Redeemed","Others"]
[null,"UK","2020-02",0.98107744656666773,0,0,0,1.5951616881325222E-3,1.3867683109592771E-2,0,0,0,3.4597086356068308E-3,0]
[null,null,"2020-03",0.97181835800093486,0,0,0,1.5698910103028492E-3,1.8310395259814372E-2,0,0,0,4.1301156586074292E-3,4.171240070340654E-3]
[null,null,"2020-04",0.96607681511882837,0,0,0,1.8977141341151968E-3,2.8610817673584955E-2,0,0,0,3.4146530734714621E-3,0]
[null,null,"2020-05",0.96034613528203383,0,0,0,2.6622263919959693E-3,3.3905506479945981E-2,0,0,0,3.0861318460243575E-3,0]
[null,null,"2020-06",0.9664637109378722,0,0,0,2.6398402577479793E-3,2.6084478661116128E-2,0,0,0,2.6979639333421729E-3,2.1140062099215288E-3]
[null,null,"2020-07",0.9698358425025585,0,0,0,2.4565663647521329E-3,2.3996677146583524E-2,0,0,0,3.7109139861059032E-3,0]
[null,null,"2020-08",0.97125377625922205,0,0,0,1.6166939804369582E-3,2.3924805048054915E-2,0,0,0,3.2047247122860925E-3,0]
[null,null,"2020-09",0.97213321097694294,0,0,0,1.1699809519509477E-3,2.3759034774564019E-2,0,0,0,2.9377732965419753E-3,0]
[]
[null,null,"Table C","Periodic Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"UK","2020-02",9994839.5800000001,19957995.449999999,1269541.56,30387131.98,165981611.25999999,37575.89]
[null,null,"2020-03",10270810.390000001,30246696.799999997,2315751.48,40605520.82,250097628.87,77832.03]
[null,null,"2020-04",13047278.360000001,18234222.269999996,350237.43999999994,31008583.410000004,62167102.219999999,36295.08]
[null,null,"2020-05",15938080.390000001,16749640.489999998,915627.67,33096692.330000006,72045599.739999995,45514.31]
[null,null,"2020-06",40139914.749999993,145275630.04999998,1493295.19,160373391.75,158020709.86000001,55218.97]
[null,null,"2020-07",16150689.529999997,80226413.930000007,1006103.4299999998,88188563.25,196282943.40000004,140694.85999999999]
[null,null,"2020-08",10842806.67,40078966.640000001,1066811.55,47989382.350000001,157603029.38,119895.19]
[null,null,"2020-09",14709803.350000001,46038005.990000002,1069825.22,52740667.350000001,266634143.17000002,73962.8]
[null,null,null,"*For Redeemed and Repurchased, we report the amount of the loan in the month prior to its repurchase or redemption "]
[]
[null,null,"Table D","Cumulative Amount of Balance of Loans Identified in Any of the Categories"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"UK","2020-02",9994839.5800000001,19957995.449999999,1269541.56,30387131.98,165981611.25999999,37575.89]
[null,null,"2020-03",20265649.969999999,50204692.25,3585293.04,70992652.799999997,416079240.13,115407.92]
[null,null,"2020-04",33312928.329999998,68438914.519999996,3935530.48,102001236.21000001,478246342.35000002,151703]
[null,null,"2020-05",49251008.719999999,85188555.00999999,4851158.1500000004,135097928.54000002,550291942.09000003,197217.31]
[null,null,"2020-06",89390923.469999999,230464185.05999997,6344453.3399999999,295471320.29000002,708312651.95000005,252436.28]
[null,null,"2020-07",105541613,310690598.99000001,7350556.7699999996,383659883.54000002,904595595.35000014,393131.14]
[null,null,"2020-08",116384419.67,350769565.63,8417368.3200000003,431649265.89000005,1062198624.7300001,513026.33]
[null,null,"2020-09",131094223.02000001,396807571.62,9487193.540000001,484389933.24000007,1328832767.9000001,586989.13]
[]
[null,null,"Table E","Amounts in Table C as % of Outstanding Loan Amounts in a Given Month"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"UK","2020-02",1.0229888043029832E-3,2.0427347270820205E-3,1.2993973460826113E-4,3.1101745617429051E-3,1.6914295400770517E-2,3.8291573300326503E-6]
[null,null,"2020-03",1.0022432970656315E-3,2.9515245608751311E-3,2.25975002007589E-4,3.9623563789404105E-3,2.4116081270131998E-2,7.5050833923540016E-6]
[null,null,"2020-04",1.3554113960694667E-3,1.8942550301518709E-3,3.6384279112306451E-5,3.2213145278433843E-3,6.4222359249807145E-3,3.749500271882691E-6]
[null,null,"2020-05",1.663154101106514E-3,1.7478411823347076E-3,9.5546632792903224E-5,3.4536718497314603E-3,7.4844288770317454E-3,4.7282362463705789E-6]
[null,null,"2020-06",4.0369709996978514E-3,1.4610731216729447E-2,1.5018440904930656E-4,1.6129150638465987E-2,1.5675521161493792E-2,5.4776752586275886E-6]
[null,null,"2020-07",1.7288484313792074E-3,8.5878259018244852E-3,1.0769820901638867E-4,9.4401331260281201E-3,2.0803428120800754E-2,1.4911817380949893E-5]
[null,null,"2020-08",1.1735417643825732E-3,4.3378382237018983E-3,1.1546345395188234E-4,5.1940006078379074E-3,1.6870595501084107E-2,1.2834164806176674E-5]
[null,null,"2020-09",1.6139658023945635E-3,5.0513093554235763E-3,1.1738167251700481E-4,5.7867281752864153E-3,2.885842313191013E-2,8.0051630036741575E-6]
[]
[null,null,"Table F","Amounts in Table D as % of Outstanding Loan Amount in February 2020"]
[null,null,null,"1) Maturity Date Extended","2) Current Balance Increased","3) Payment Due Reduced 50%","any of 3","Redeemed","Repuchased"]
[null,"UK","2020-02",9.637690876249848E-4,1.9244830206339436E-3,1.2241766375435911E-4,2.9301299164928266E-3,1.6005053884674263E-2,3.6233179064187431E-6]
[null,null,"2020-03",1.9541491211922182E-3,4.8410712405126607E-3,3.4571786514146411E-4,6.8455850311039523E-3,4.012113515480626E-2,1.1128401298772743E-5]
[null,null,"2020-04",3.2122547126184698E-3,6.5993365553331587E-3,3.7949009483050837E-4,9.8356394389205667E-3,4.611570174162271E-2,1.46282149633034E-5]
[null,null,"2020-05",4.7491107144597682E-3,8.2144485942893461E-3,4.6778102106867525E-4,1.302704323434686E-2,5.306281893875682E-2,1.9017008267235618E-5]
[null,null,"2020-06",8.6196689866869011E-3,2.222289368305317E-2,6.1177450203468773E-4,2.849131519279902E-2,6.8300229619401742E-2,2.4341589608489263E-5]
[null,null,"2020-07",1.0177026179691743E-2,2.9958859542021016E-2,7.0878970443251019E-4,3.6995044588564945E-2,8.7227140027799174E-2,3.7908326299997517E-5]
[null,null,"2020-08",1.1222561909204672E-2,3.3823540791020609E-2,8.116587886215829E-4,4.1622500874676352E-2,0.10242427517106241,4.9469420097655471E-5]
[null,null,"2020-09",1.2640979247502009E-2,3.8262832354823369E-2,9.1481847097014143E-4,4.6708107746682027E-2,0.12813491743157784,5.6601406529616715E-5]
[]
[null,null,"Table G","For loans Whose Maturity Date was Extended, Length of Extension"]
[null,null,null,"1 to 3 Months","4 to 6 Months","7 to 12 Months","> 12 Months"]
[null,"UK","2020-02",0.99729249181205959,0,1.2359608076871202E-3,1.4715473802532002E-3]
[null,null,"2020-03",0.97873673335332589,1.1288047933674297E-3,1.8714402535085644E-2,1.420059318220945E-3]
[null,null,"2020-04",0.73563374867706899,0.26436625132293112,0,0]
[null,null,"2020-05",0.42031712389926013,0.57876894420658653,6.1607544696290733E-4,2.9785644719037586E-4]
[null,null,"2020-06",0.90472463696500516,9.4867000184647887E-2,0,4.0836285034710995E-4]
[null,null,"2020-07",0.67862396460790597,0.31371371609791571,7.6623192941781479E-3,0]
[null,null,"2020-08",0.84132602449140592,0.15552942345323584,3.1445520553581904E-3,0]
[null,null,"2020-09",0.87394594503535628,0.12486138572341962,1.1926692412240849E-3,0]
[]
[null,null,"Table H","Available Data"]
[null,null,null,"Balance","Number of Deals"]
[null,"UK","2020-02",9770233591.9599991,8]
[null,null,"2020-03",10247821482.139999,9]
[null,null,"2020-04",9626065117.8199997,8]
[null,null,"2020-05",9583044878.0400009,8]
[null,null,"2020-06",9943077310.4400005,8]
[null,null,"2020-07",9341877076.5900002,7]
[null,null,"2020-08",9239387126.2900009,7]
[null,null,"2020-09",9114073748.1399994,7]