Credit Risk Analysis

Australian: commonwealth bank and Bendigo Bank. The time period is from 2008 to 2010.

. Compare and discuss changes in loan composition and loan credit (default) risk for each bank from 2008-10
a.Loan composition
i. Compare the types of loans made by each bank, & analyse how these loans changed over the sample period
ii.compare the types of loans made by industry, geographical location, and the maturity of the loans made for each bank
iii.have the banks increased or decreased lending in some areas or locations?
b. Credit quality
i.Use different methods of measuring credit risk (quality) of loans for each bank, such as
1.provisions for loan impairments to total (gross) loans
2.loan impairment expense to provisions for loan impairment
ii.How has credit risk (quality) of loans changed for each bank over the sample period?
iii.Compare & discuss changes in loan composition & credit risk for each bank over the sample period

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