BFF2401 Commercial Banking and Finance
Individual Assignment (20%)
Semester 1, 2023
Due date: Friday 5th May 2023, before 4:30PM (Week 9)
This individual assessment task is designed to test a student’s achievement of learning
objectives 1–6. The total mark is 30 marks (weight: 20% of total assessment). Word limit:
1,500 words (±10%), excluding tables, graphs and references.
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Topic: Essay on Banks’ Liquidity and Funding Management
Question 1: “Liquidity and funding management is vital for both banking institutions and
non-financial firms, but even more so for banks.” Do you agree with this statement? Support
your arguments with two (2) real-life examples. (7 marks)
Guide: 400 words.
Question 2:
(A) Choose one (1) measure of asset liquidity and one (1) measure of liability liquidity and
justify why you have chosen these specific ratios to assess a bank’s liquidity and
funding position. (3 marks)
(B) Find annual bank data (2017-2022) to calculate these two ratios for the top four
Australian banks, and construct two (2) graphs (one for each ratio). NOTE: All your
raw dollar figures, calculated ratios, and relevant formulas/workings must be tabulated
and placed alongside the main discussion. Your graphs must be placed underneath the
data table. (4 marks)
(C) Conduct trend and peer analyses based on your graphs. (4 marks)
Guide: 450 words; Suggested data source for 2(B): Annual reports on top 4 banks’ websites.
Question 3: Do you think the Australian major banks have responded appropriately to the
liquidity/funding pressure during the 2017-2022 period? Evidence your arguments with one
specific liquidity/funding management policy undertaken by each of these banks. Your
answer must evaluate the effectiveness of each of the four (4) policies and how it contributes
to the empirical peer/trend observations discussed in 2(C). (10 marks)
Guide: 450 words.
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Introduction and Conclusion (2 marks): Approximately 200 words are recommended for
introduction and conclusion together. Subheadings should be used to separate the three
questions and different sections.
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. Any other email addresses will
not be accepted.
Faculty style guide
Work submitted for this assessment must follow the ESSAY style as outlined here.
Submission date and time
The due date of the assignment is Friday 5th May 2023, before 4:30PM (Week 9).
All assignments must be submitted online via Turnitin (link to be posted under the
“Individual Assignment” section on Moodle).
Online submission: The online submission via Turnitin has TWO parts,
• PART 1 for the completed individual assignment coversheet file (template available
on Moodle), and
• PART 2 for the individual assignment (essay) file (.docx).
Part 2 of the submission must be a .docx file (other file formats may not be compatible for
Turnitin). The name of your .docx file should conform to the following format:
S12023 – Your First name and Last name and Student ID - Tutorial day and time –
Your tutor’s First name and Last name.
For example: S12023 – Jane Smith 1234567 – Tuesday 10AM – Glenn Emery
IMPORTANT: You are allowed to resubmit your assignment via Turnitin as often as you
wish until the assignment due date. A similarity report of below 20% is acceptable, anything
above will be investigated, penalised, or failed depending on the nature of similarity.
Students who use Apple MacBook to prepare their assignment must convert their final
.pages file to .docx before submission. Otherwise, pages. files cannot be read by Turnitin and
will not be accepted for grading.
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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, please refer to the University's Student Academic Integrity
Policy.
Referencing requirements
To build your skills in citing and referencing, and using different referencing styles, see the
online resources Citing and Referencing Tutorial. In this unit you are required to use the APA
referencing style for written reports. You can get more information about using the APA
reference style from the Monash Library Resource.
Conditions for the use of generative artificial intelligence (AI)
Generative AI tools are restricted for certain functions in this assessment task. ChatGPT or
other AI tools may be used for study purposes and to learn about your topic, but you may
NOT include any AI-generated materials in the final submission. Copying and pasting AI-
generated text (and then editing) is NOT permitted. Any use of generative AI must be
appropriately acknowledged (see Learn HQ).
IMPORTANT: It is a student’s responsibility to fact-check and critically evaluate AI tools’
trustworthiness. These tools can compromise your privacy, security, creativity, intellectual
abilities, and should be used carefully.
Acknowledgement of AI use
If generative AI was used, students must include the following paragraph on the first page of
their assignment file submitted in Part 2 of Turnitin.
“I acknowledge the use of to generate materials for
background research and self-study in the drafting of this assessment. No content generated
by AI technologies has been presented as my own work.”
Estimated return date
Students can expect to receive feedback on this assessment within two weeks of submission.
Applications for extension of time (special consideration)
Information on eligibility and how to apply for an extension on your assignment can be found
here: https://www.monash.edu/students/admin/exams/cant-complete/extend
Penalty for late lodgement
Unless an extension or special consideration has been granted, or otherwise specified in the
learning management system, students who submit an assessment task after the due date will
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receive a late-submission penalty of 10 per cent of the available marks in that task. A further
penalty of 10 per cent of the available marks will be applied for each additional day (24-hour
period), or part thereof, the assessment task is overdue.
LATE submission: Late assignments must also be submitted via the same Turnitin link. No
hard copies will be accepted. Late penalties are based on the submission time recorded on
Moodle. Tasks submitted more than seven days after the due date will receive a mark of
zero for that task. For further details, please refer to Monash University Marking and
Feedback Procedure.
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Marking criteria
Criterion HD (80-100%) D (70-79%)
C (60-69%) P (50-59%) N (0-49%)
Literature and evidence base
(Citing and referencing)
Response makes
effective use of a
wide range of
relevant, credible and
reliable sources to
inform the argument
throughout.
Most points in the
argument are
informed by relevant,
credible and reliable
literature.
All key points,
and some
additional ideas
are supported by
relevant, credible
sources. Some
ideas do not have
any appropriate
citations.
Key points in the
response are
supported by
relevant, credible
sources. Other
ideas need further
referencing.
Most points in the
response lack
credible, relevant
or reliable
evidence to
support them.
Knowledge of topic The response
demonstrates
insight, awareness
and understanding
of deeper and more
subtle aspects of the
topic. Ability to
consider topic in
the broader context
of the discipline.
There is evidence of
an awareness and
understanding of
deeper and more
subtle aspects of the
topic.
The response
demonstrates
sound
knowledge of
principles and
concepts.
Knowledge of
principles and
concepts is at
least adequate
to communicate
intelligently in
the topic and to
serve as a
basis for further
study.
There is scant
knowledge of
principles and
concepts.
Articulation of argument The response
demonstrates strong
evidence of
originality and
independent thought.
There is evidence of
originality and
independent thought.
The argument is
well-reasoned
based on broad
evidence.
The argument is
sound based on
evidence.
There is very little
evidence of ability
of construct
coherent
argument.
Analytical and evaluative
skills
The response
demonstrates highly
developed analytical
and evaluative
skills.
There is clear
evidence of
analytical and
evaluative skills.
There is
evidence of
analytical and
evaluative
skills.
There is some
evidence of
analytical and
evaluative skills.
There is very little
evidence of
analytical and
evaluative skills.
Structure The response is
effectively structured
at each level (whole
document, sections
and paragraphs).
The response
includes appropriate
sections and clear
paragraphs each with
their own focus.
The response
includes
appropriate
sections.
A basic attempt to
structure the
response into
sections is
evident.
The information is
jumbled and lacks
structure.
Style and formatting The response has an
academic tone.
Formatting meets all
stated requirements.
The response mostly
has an academic tone,
but lapses into
informality in a few
places.
Formatting is mostly
consistent with stated
requirements.
The tone of the
response changes
frequently
between sections,
with some
academic phrasing
and some
informality.
Formatting is
largely
appropriate in
some sections, but
there is
inconsistency
across the
document.
The tone of the
response is
academic in
places, but with
numerous lapses
into informality.
Basic formatting
is consistent with
requirements, but
several details
have been
overlooked.
The tone of the
response is casual
and informal.
Formatting is
inconsistent with
most
requirements.