Redit policy analysis of Barclays, UK and HSBC, UK

This chapter of my dissertation should include the following:
1. What are the credit policies of Barclays UK and HSBC UK?
2. What is the impact of credit policies on their lending portfolio?
3. What is the impact of credit policies on their financial performance?
4. Do the sources of their finance effect the credit policy?
5. How do they evaluate the credit risk?
All the information must be taken from the annual reports (!!!) of Barclays and HSBC for the last 10 years (2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013). I donai??i??t need any other sources, only annual reports from Barclays UK and HSBC UK. You can find all the annual reports on the web-sites of these banks. I have put in the order form that number of sources is 30. So, 20 would be annual reports of Barclays UK for ten year and HSBC, UK for ten years. And the rest 10 should be the benchmarks to the previous research ai??i?? 2 for each question.
This chapter should include findings from the annual reports. Answer for each question must be the paraphrased information from the annual reports for each year one by one.
1) For example, first question is what are the credit policies of Barclays UK and HSBC UK?
The answer to this question should be focused on the credit policies of these banks. First, write about Barclays UK. You should investigate whether credit policy of Barclays UK focused on consumer lending, SME, corporate or other. You should find this information ONLY in the annual reports from the year 2004 to the year 2013, one by one. When you paraphrase information from the reports, you should put in brackets name of the report, year and pages. All the findings should have proper references with exact pages from the annual reports. Secondly, do the same for HSBC. Again, information should be taken only from the annual reports for the last ten years (2004-2013), should be paraphrased and again you should write in brackets after each statement where did you get it from with pages. The main idea of this question is to have a look at how the credit focuses or credit policies of these banks have changed from year to year from 2004 to 2013. No citation, please. Paraphrase all the information.
After you did that, you should give benchmark to the previous research. 2 benchmark should be enough.
2) Second question, what is the impact of credit policies on their lending portfolio?
In this part, you should have a look at the lending portfolio of Barclays UK and HSBC UK. Again, information should be from the annual reports and first, have a look at the annual reports of Barclays UK. Starting from 2004, again, you should find information in numbers about where did they lend each year from 2004 to 2013. Paraphrase information and put in brackets where did you get this information with pages. Then, you should find how credit policies for each year (from the question 1) influenced the lending portfolio of Barclays. Like in first question you should do it year by year and highlight the changes. Then do the same for HSBC. After you did that, you should give benchmark to the previous research. 2 benchmark should be enough.
3) What is the impact of credit policies on their financial performance?
Again, start with Barclays UK. The answer to this question would be the findings in the annual reports from 2004 to 2013 focused on profitability. You should find whether credit policies (from the 1 question) lead to increase in profitability. Exact figures in numbers should be taken from the reports. Again, year by year, paraphrased information from the annual reports only, with number of pages where did you get the information from in brackets. Then, do the same for HSBC. After you did that, you should give benchmark to the previous research. 2 benchmark should be enough.
4) Do the sources of their finance effect the credit policy?
Starting with Barclays again, you should find the information about how Barclays sourcing its finance. Again, you should find this information only in the annual reports from 2004 to 2013 year by year. After you find it you should answer the question do these sources effect the credit policies of Barclays again, year by year. You should investigate whether there liability mismatches or other. Then, do the same for HSBC. Again, year by year, paraphrased information from the annual reports only, with number of pages where did you get the information from in brackets. After you did that, you should give benchmark to the previous research. 2 benchmarks should be enough.
5) How do they evaluate the credit risk?
In this part you should find are the credit policies efficient, if not, then why. Find from the annual reports, how Barclays evaluate credit risk. With proper calculations and figures. Then, do the same for HSBC. Again, year by year, paraphrased information from the annual reports only, with number of pages where did you get the information from in brackets. After you did that, you should give benchmark to the previous research. 2 benchmarks should be enough.

I will confirm the most important things once again. All the finding should be from the annual reports of Barclays and HSBC for the years 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013. Answer each question fist, for Barclays, then for HSBC, year by year from 2004. Information should be found for each year!!! after each finding, please, put the exact page and year of the report where did you get that information! Paraphrase all the information from the reports. Only numbers should not be paraphrased))) Please, do necessary calculations where necessary and answer all the questions. And, of course, no plagiarism! No less than 2500 words!!!
Thatai??i??s all. Thank you in advance. If you have any questions, please, contact me asap.