Here in the attachment it asks me to address 4 differences between deposit and non-deposit liabilities. I have no idea what they are besides the funding cost and the withdraw risk. What are the rest 2 differences?
BFF2401 Commercial Banking and Finance Written Assignment (20%) Semester 2, 2017 Due date: Monday September 18th, before 11AM (Week 9) This individual assessment task is designed to test a student's achievement of objectives 1-6. The total mark is 30 marks (weight: 20% of total assessment). Word limit: 2,000 words (10%), excluding references and appendices. ***** Topic: Banks' liability management The 2008 global financial crisis was partly caused by banks' failure in liability management (or funding management). a. Contrast between deposit and non-deposit liability sources by highlighting differences in their funding costs as well as other non-cost implications (for instance, risks, market factors, etc.). Your discussion should be supported by real-life examples. (Guide: 1000 words, 16 marks) b. Comment on the relative importance of different liability items on a specific Australian bank balance sheet. (Guide: 300 words, 6 marks) c. Download Orbis data for four (4) Australian commercial banks during 2012-2016 with regard to their liability mix and construct two (2) graphs that illustrate the trends in their liability mix over these years. Each graph is a line chart containing four (4) lines for the chosen banks. Based on these graphs, comment on differences between banks (peer analysis) as well as changes over time (trend analysis). (Guide: 500 words, 8 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 c: Orbis Bank Focus (access via Monash library database website, under the \"Banking and Finance\" tab). ***** 1 Instructions to students You are required to retain a copy of the assignment until results are finalised. You are required to write down the name of your tutor, date and time of tutorial on the assignment cover sheet. Any query by email must be sent from your Monash student email address
@student.monash.edu. Any other email addresses will not be accepted. The file submitted electronically on Moodle must be named following the format: S217 - Your First name and Last name and Student ID - Tutorial day and time - Your tutor's First name and Last name. For example: S217 - John Smith 1234567 - MON 10AM - Michael Wang Faculty Style Guide Work submitted for this assessment must follow the ESSAY style as outlined in the Faculty Q Manual. Copies of this manual can be obtained at the bookshop or online at: http://www.buseco.monash.edu.au/qmanual/qmanual.pdf Submission date and time The due date of the assignment is Monday September 18th 2017 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. Note that the electronic submission link only permits ONE attempt. 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 found at the following URL. The form must be submitted to the chief examiner for approval no later than 48 hours after the due date. http://www.monash.edu/__data/assets/pdf_file/0006/277152/in-semester.pdf 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% for the overall unit will be deducted for each working day (24 hours) the assignment is late after the due date (based on the 11AM cutoff). Assignments will NOT be accepted after 6 October 2017. 2 LATE submission: Late assignments must be submitted via Moodle (electronic copy) and via the chief examiner's mailbox (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. Assessment coversheet Work submitted for assessment must be accompanied by a completed and signed assignment coversheet, available at URL: https://business.monash.edu/students/admin-information/application-forms 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-academicintegrity-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). Should you have any queries or issues, please contact: Dr Tram Vu Tram.Vu@monash.edu 9903 4544 3 BFF2401 Commercial Banking and Finance Individual Assignment - Semester 2, 2017 FEEDBACK FORM Student Name: _____________________________________________________________________________ Tutorial day / time: _____________________________________________________________________________ Banks' liability management (a) Differentiate between banks' deposit funding and non-deposit funding. Marks available 16 Aim: Students must show understanding of four (4) differences from a theoretical perspective, supported with real-world examples. For each difference discussed, 2 marks are awarded for a theoretical explanation and 2 marks for examples. (b) Choose a specific Australian bank balance sheet, and comment on the relative importance of different liability items 6 Aim: Students must include the balance sheet of the chosen bank in their essay, calculate the proportions of three (3) liability items and comment on their relative weight. 2 marks for each item discussed. (c) Provide two (2) graphs to illustrate banks' liability mix and conduct trend analysis and peer analysis for each graph. 8 Aim: Download relevant data from Orbis or banks' annual reports from 2012 to 2016, present them meaningfully in line charts for the 4 chosen banks, and provide trend and peer analyses. 4 marks are allocated to each graph (2 marks for the graphical presentation and 2 marks for trend and peer analyses). DEDUCTIONS (up to 2 marks): Referencing Introduction/Conclusion Late penalty (1.5 marks per business day/30) TOTAL MARKS 30 Note: Your mark will be converted into % out of 20% when entered into the gradebook. Marks awarded Comments: ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________
