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UNIVERSITY OF WATERLOO Faculty of Mathematics Recession Study: The Impact of world(a) Recessions on the Canadian Retail Credit Industry CIBC Portfolio attempt Management Toronto, Ontario, Canada Rahma Azhar 20242293 3A Actuarial Science magisterial 2009 TABLE OF confine EXECUTIVE SUMMARYiv INTRODUCTION........1 ANALYSIS......2 1 Economic Environment.........4 1 clear Domestic harvest-home.4 2 Employment Quality & Unemployment by Occupation ...6 3 Unemployment insurance...8 4 shoreruptcies...9 5 CPI vs. lodge number.....12 2 Lending Market....13 1 usable Income vs. Consumer Debt....14 2 Debt to Income symmetry vs. Savings Rate....15 3 Consumer Debt and mapered Banks...17 3 Credit Card Industry....18 CONCLUSIONS....20 REFERENCES..23 List of graphs graph 1 annual Change in GDP, 1926-2008, shows mostly growth....

2 chart 2 GDP Growth vs. Unemployment Rate (19782009)...6 graph 3 - Unemployment Rate (May 2008May 2009)...8 Chart 4 Employment amends Recipients as a Percentage of Unemployed (1987-2009)..9 Chart 5 Consumer Bankruptcies vs. indebtedness to Asset Ratio of Bankrupt (1978-2008)...........................................................................................................11 Chart 6 Consumer Bankruptcies vs. Business Bankruptcies (May08-May09)...12 Chart 7 - Year all over Year Change- CPI vs. Bank Rate (1978-2009)..13 Chart 8 Total Consumer Debt vs. Total Disposable Income (1978-2009).15 Chart 9 Debt to Income Ratio vs. Savings Rate vs. Bank Rate (1978 -2009).16 Chart 10 Chartered Banks...If yo! u want to consider a full essay, localise it on our website: OrderCustomPaper.com

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