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Gains in oil, employment and the GDP are all predicted for next year.
"The entire sector is suffering."
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"These are hard-working, average people."
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Wood Buffalo applicants made up a third of the increase.
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Sorry retail and housing markets.
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Saskatchewan also saw a large increase.
Rates are at the worst levels in four years.
"Did I come with a wallet full of cash? No.''
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ATB is no longer predicting Alberta will avoid a recession this year.
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Many customers are hoping to reclaim items when things turn around.
40 per cent of Albertans feel overhwelmed by their debt.