Under UK Insolvency law creditors face a strategic choice when dealing with someinsolvent individual debtors. Since 1986 Individual Voluntary Arrangements (IVAs) havebeen available to return better recoveries than bankruptcy but returns are subject to agreater degree of uncertainty.In this paper...

Over the last twenty years UK banks have reviewed and streamlined traditional credit assessment techniques for Small and Medium Sized Enterprises. In pursuit of margin and market share, today’s due diligence relies increasingly on centralised data and statistical “certainty” than on the...

Over the last ten to fifteen years, and in response to the huge growth in demand for unsecured consumer credit, UK banks have reviewed, automated, de-skilled and streamlined traditional credit assessment techniques. In pursuit of margin and market share, today’s due diligence relies...

The bulk of the collection is letterbooks (1880-1901), dealing primarily (after 1883) with the affairs of the Thatcher Brothers Banking Company; also includes materials concerning the L.D.S. Church in Cache Valley, the Logan L.D.S. Temple, the Utah and Northern Railroad, Logan City Government,...

Thesis (DBA(DoctorateofBusinessAdministration) )--University of South Australia, 2006.

This study looked at factors that determine bank switching behaviour among employed graduates, and their propensity to tell the bank and/or other people about the switching incident. Data was collected using a structured questionnaire sent via email using convenience sampling. 93 responses were...

An increase in the credit rating on an organisation?s debt is generally perceived positively, as higher credit ratings are, in the main, associated with lower perceived volatility in the market value of the assets of the entity that has issued the debt. If banks price their assets to realise a...

The study of financial stability has become the cornerstone of modern macroeconomic policy particularly for developed countries. The recent global financial crisis has underscored the importance of understanding financial instability especially in the context of managing credit risk with...

This study investigates the efficiency and productivity of a balanced panel of 10 Australian banks during the period 1995-2005. It begins with a preliminary analysis based on financial indicators (popularly referred to as financial ratios) covering aspects of profitability, operational...

In June 2004 the Committee published a revised framework for the international convergence of capital measurement and capital standards, known as Basel II. The proposal includes a formal capital charge against operational risk in the business activities of banks. The calculation of an...