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Monash University BFF2401 COMMERCIAL BANKING

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

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Topic: Liquidity risk

QUESTION 1

a. Define bank liquidity risk. Clearly explain the sources of bank liquidity risk. Illustrate your explanation

with examples. (5 marks)

b. Define bank asset liquidity and liability liquidity. Clearly explain and demonstrate how asset liquidity

and liability liquidity are different in their balance sheet implications. (6 marks)

QUESTION 2

a. Provide three graphs for (1) Customer loans/Customer deposits, (2) Liquid assets/ Deposits and shortterm

funding, and (3) Basel liquidity coverage ratio for the four major Australian banks from 2013 to

2017. (9 marks)

b. Interpret the liquidity risk of these banks. Your interpretation must be supported with evidence from

these banks’ real-world practices, actual regulatory changes, changes in market forces, etc. (12

marks)

QUESTION 3

“There is a trade-off between liquidity and profitability.” Do you agree with this statement? Using data

of one major Australian bank, explain whether this statement is supported. (8 marks)

Note: Approximately 200 words are recommended for introduction and conclusion together.

Subheadings should be used to separate questions 1, 2 and 3.

Suggested data sources: Banks’ annual reports from their own websites, or Orbis Bank Focus database

(https://guides.lib.monash.edu/subject-databases/banking-finance).

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BFF2401 COMMERCIAL BANKING

AND FINANCE – SEMESTER 2 2018

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Word limit: 2,000 words (±10%), excluding references and appendices (if any)

Weighting/Value: graded out of 40, worth 20% of total assessment

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

Marks may be deducted where in-text citations and/or the reference list is not consistent with the American

Psychological Association (APA) style, which is illustrated in the Q Manual.

Faculty Style Guide

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

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

Estimated return date:

Marked assignments will be returned to you during tutorials or by appointment. At the end of the teaching

week 11, uncollected assignments will be handed to the Chief Examiner and can be collected from the Chief

Examiner during consultation times. You should retain the marked copy of your submission until the final

results for the unit are released.

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).

Submission details:

You are required to submit both a hard copy and a soft copy of your assignment by 3pm Wednesday 12

September 2018.

a. Hard copy submission:

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

application-forms. Please do not forget to write your tutor’s name on the cover sheet 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 which has been created on Moodle under the

“Assignment” topic. Note that you are allowed to resubmit your assignment as often as you wish until the

assignment due date.

The name of your submission file should conform the following format:

S218 – Your First name and Last name and Student ID - Tutorial day and time – Your tutor’s First name and

Last name

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For example:

S218 – John Smith 1234567 – MON 10AM – Xing Yan

In order to protect your privacy, please ensure none of your personal details (Name, Student ID, address, etc)

are in the header, footer or body text of the assignment.

Penalties 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 2 marks (out of 40) will be deducted for each working day the assignment is late

(based on the 3pm cut-off).

Assignments will NOT be accepted after 3pm October 10, 2018.

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.

Applications for extension of time:

Applications for an extension of time allocated to an in-semester assessment task must be made by

completing the application form. The application form must be submitted to the Chief Examiner for

consideration no later than two university working days after the due date.

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