Electronic copy available at: http://ssrn.com/abstract=1245582 Submission Cover 21 st Australasian Finance and Banking Conference 1. Title Credit Losses in Australasian Banking 2. Primary Author Kurt Hess 3. Co-Authors (separate with comma) Arthur Grimes, Mark Holmes 4. Prizes Select the prizes for which you would like to be considered (you may pick more than one). (For more information about prizes please see the conference web site: www.banking.unsw.edu.au/afbc ) Prize Yes/No Barclay's Global Investors Australia Prize Yes BankScope Prize No Sirca Research Prize No Australian Securities Exchange Prize No 5. Journals Select the journals for which you would like to be considered (you may pick more than one). Journal Yes/No Journal of Banking and Finance No Journal of Financial Stability No 6. Conference Proceedings Yes/No Would you like your paper (if accepted) to be published by World Scientific Publishing Co Ltd as a review volume compiling selected papers? Yes