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UNIVERSITY OF WATERLOO Faculty of Mathematics Recession Study: The Impact of spherical Recessions on the Canadian Retail Credit Industry CIBC Portfolio take a chance Management Toronto, Ontario, Canada Rahma Azhar 20242293 3A Actuarial Science magisterial 2009 TABLE OF table of contents EXECUTIVE SUMMARYiv INTRODUCTION........1 ANALYSIS......2 1 Economic Environment.........4 1 gain 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 proportionality vs. Savings Rate....15 3 Consumer Debt and mapered Banks...17 3 Credit Card Industry....18 CONCLUSIONS....20 REFERENCES..23 List of graphs map 1 yearbook Change in GDP, 1926-2008, shows mostly growth....

2 graph 2 GDP Growth vs. Unemployment Rate (19782009)...6 graph 3 - Unemployment Rate (May 2008May 2009)...8 Chart 4 Employment redress 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 everyplace 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. Saving s Rate vs. Bank Rate (1978-2009).16 Chart 1! 0 Chartered Banks...If you want to consider a full essay, shape it on our website: OrderCustomPaper.com

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