1. Explain the difference between bank credit risk and bank capital risk?

2. What is the difference between lending to individual borrowers via a residential home mortgage compared to other types of consumer lending?

3.

I. Graph on two separate lines for 2007 to 2014

(1) the residential loans as a percentage of total loans and

(2) impaired loans (NPLs)/gross loans.

Please include the 4 major Australian banks and Barclays Bank* in the UK.

II. Explain the reasons for any change in the importance of residential loans

III. Interpret these banks' credit quality over 2006-2014

4. Explain the impact you would expect from Australia's introduction of comprehensive credit reporting (CCR).

Referencing requirements:

Work submitted for assessment must be consistent with the guidelines set down in the faculty of business and economics Q Manual.

Marks will be deducted where in-text citations and/or the reference list is not consistent with its recommendations.