of increases in the amount and share of delinquent debt (90 days past due or more) and of increases in bankruptcy risk … disenrollment is linked with individual-level credit risk score and debt data to identify the effects. The results suggest that the …

debt recoveries adequately, however, can lead to further pressure on profits.This paper uses a case study approach to … outline key strategies adopted by two major banks in respect of formal insolvency, the “tip” of a considerable debt recovery … applicable to credit risk assessment. However, whilst the “downside risk” equates with the debt write-off plus transaction costs …

same period the nature of the banks’ “safety net”, the sanction of bankruptcy and court action, has changed too. The effect …