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UNIVERSITY OF WATERLOO Faculty of Mathematics Recession Study: The Impact of worldwide Recessions on the Canadian Retail Credit Industry CIBC Portfolio stake 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 unwashed 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 map 2 GDP Growth vs. Unemployment Rate (19782009)...6 graph 3 - Unemployment Rate (May 2008May 2009)...8 Chart 4 Employment indemnification 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 everywhere 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 Rat e vs. Bank Rate (1978-2009).16 Chart 10 Ch! artered Banks...If you want to consider a full essay, assemble it on our website: OrderCustomPaper.com

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