Commercial banking

1. Explain the difference between bank credit risk and bank capital risk? (3 marks)
2. What is the difference between lending to individual borrowers via a residential home
mortgage compared to other types of consumer lending? (3 marks)
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. (8 marks)
(ii) Explain the reasons for any change in the importance of residential loans (8 marks)
(iii) Interpret these banks’ credit quality over 2006-2014 (8 marks)
4. Explain the impact you would expect from Australia’s introduction of comprehensive credit
reporting (CCR). (10 marks)

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