Commercial Banking and Finance Written Assignment

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BFF2401 Commercial Banking and Finance

Written Assignment (10%)

Semester 1, 2019

Due date: Monday May 6th, before 11AM (Week 9)

This individual assessment task is designed to test a student’s achievement of objectives 1-6.

The total mark is 20 marks (weight: 10% of total assessment). Word limit: 1,200 words

(±10%), excluding references and appendices.

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Topic: Banks’ credit risk exposure

The 2018 Banking Royal Commission report has revealed that Australian banks’ credit risk

exposures are rising.

a. Provide a theoretical definition of credit risk and give one example in the context of bank lending. Contrast between individual loan credit risk and portfolio credit risk.

(Guide: 300 words, 6 marks)

b. Choose one ratio that captures credit risk, and find annual (yearly) data to calculate and graph this ratio for the top four Australian banks over 2014-2018. Conduct trend

and peer analyses based on your graph, and comment on these banks’ credit risk.

(Guide: 350 words, 8 marks; your data and calculated ratios must be shown in the

appendix)

c. Find and discuss two (2) examples from the 2018 Banking Royal Commission to illustrate how some banks’ misconduct can increase their credit risk exposure. (Guide:

350 words, 6 marks)

Note: Approximately 200 words are recommended for introduction and conclusion

together. Subheadings should be used to separate parts a, b and c.

Suggested data source for part b: Orbis Bank Focus database (access via Monash library

database website, under the “Banking and Finance” tab) or banks’ annual reports published

on their website.

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Instructions to students

You are required to retain a copy of the assignment until results are finalised.

Any query by email must be sent from your Monash student email address

<Your.Name>@student.monash.edu. Any other email addresses will not be accepted.

Referencing requirements

Work submitted for assessment must be consistent with the guidelines set down in the Q

Manual, which is the faculty's student guide for producing quality work on time. Copies of

this manual can be purchased at the bookshop or accessed online at:

http://www.buseco.monash.edu.au/qmanual/qmanual.pdf

Chapter 3 of the Q-Manual provides instructions on how to properly cite and list references

for an assignment.

Faculty style guide

Work submitted for this assessment must follow the ESSAY style as outlined in the Faculty

Q Manual.

Estimated return date

Marked assignments will be returned to you during tutorials. If you do not attend the tutorial

you may collect your assignment from the Chief Examiner during consultation times.

Academic integrity

In order to ensure the academic integrity of your submission and to deter others from copying

your work, your submission may be processed by text matching software such as Turnitin.

For additional information, the University's Student Academic Integrity Policy can be found

at URL:

http://www.policy.monash.edu/policy-bank/academic/education/conduct/student-academic-

integrity-policy.html

Criteria for marking

Overall, the work submitted for assessment will be graded in accord with the table showing

examples of grades and corresponding achievement levels published in the Q Manual (2012,

p. 6).

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Submission date and time

The due date of the assignment is Monday May 6th 2019 before 11AM (week 9).

Assignments should be submitted BOTH via Moodle (electronic copy) AND via the

department assignment box at Building H, Level 3 (printed copy). Both submissions must be

completed by 11AM on the due date.

a. Hard copy submission:

A hard copy of your assignment should be submitted via the department assignment box

labelled BFF2401 and located on Level 3, Building H, Caulfield campus. Work submitted for

assessment must be accompanied by a completed and signed assignment coversheet,

available at URL:

https://www.monash.edu/business/current-students/forms-and-guidelines/application-forms

Please do not forget to write your tutor’s name and tutorial time on the coversheet as your

assignment will be returned during your tutorial class.

b. Online submission:

You are required to submit a .docx file via the submission link on Moodle under the

“Individual Assignment” heading. The name of your submission file should conform to the

following format:

S119 – Your First name and Last name and Student ID - Tutorial day and time – Your tutor’s

First name and Last name

For example: S119 – John Smith 1234567 – Thursday 1PM – Xing Yan

Applications for extension of time

All applications for an extension of the time allocated to an assessment task must be made by

completing the application form. The form together with supporting evidence must be

submitted to the chief examiner for approval no later than 48 hours after the due date.

Penalty for late lodgement

An assessment is late if it is submitted after the due date, or after the extended due date if an

extension has been granted. A penalty of 1 (out of 20) mark will be deducted for each

working day (24 hours) the assignment is late after the due date (based on the 11AM cut-off).

Assignments will NOT be accepted after May 20th 2019.

LATE submission: Late assignments must be submitted via Moodle (electronic copy) and via

the Late Assignment Box (printed copy). The student should also notify the chief examiner

of their late submission promptly via e-mail so that late penalties are properly recorded.

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Should you have any queries or issues, please contact:

Dr Tram Vu

[email protected]

9903 4544