Assessment task details and instructions
Please note:
Discuss means evaluate the good and bad aspects of an issue, the for and against of any proposition before coming to a balanced and informed judgement that is persuasive.
Part 1
A financial institution in Cameroon (Mahmad Financial Services) that engage in trade finance requires a corresponding bank in the EU to make international payments, to carry out international transactions. Specifically, they want the bank to be able to confirm its letter of credit. As a consultant, you have been commissioned to identify which of the EU banks (Deutsche Bank AG, Banco Santander SA, and Societe Generale) could be the best choice for Mahmad Financial Services to correspond with. An overall assessment is required based on the analysis of the following:
a) Liquidity risk
b) Credit risk
c) Profitability
Your analysis should include:
I. A brief introduction including the main conclusion of your analysis (10 marks)
II. A consideration of the current state and changes in:
1. Liquidity risk (10 marks)
2. Credit risk (10 marks)
3. Profitability (10 marks)
III. A conclusion restating your findings, their significance and shortcomings of your analysis
(10 marks)
Additional Instruction
• Use “Orbis Global” database to find the financial reports for Deutsche Bank AG, Societe Generale, and Banco Santander SA.
• A 5-year historical performance is adequate for assessing the performances of the banks.
• It is expected that the assessment is well structured and adequately discussed by comparing ratios and other variables.
• Using graphs and tables will enhance your evaluation and presentation and will help reduce your word count.
(50 marks)
Part 2- Answer both questions
Question 1
In addition to trade finance, Mahmad Finance Service also engages in loan sales and securitization. Describe the concept of securitization and Discuss the role of securitization as a tool for risk management.
(25 marks)
Question 2
Critics of the Bank for International Settlements argue that the institution started with simple rules for regulation that have now become very complex. Discuss
(25 marks)
Help Notes:
• You are being assessed on your understanding of the material delivered on the module – use material from the lectures and seminars (e.g. slides etc), this will be given far more credit than random paraphrased downloads from the internet which usually struggle to achieve a pass mark.
• You should use relevant ratios for your analysis of the bank’s performance. The analysis of each element of task II requires to use of two measures (or ratios). DO NOT copy ratios or measures from other sources (e.g. Annual Reports). You MUST compute them yourself.
• Words that are not your own MUST be enclosed in inverted commas and the source given immediately afterwards and a full reference at the end (e.g. “Tomorrow is another day” (Mitchell 1936) with a full reference at the end i.e. Gone with the Wind etc) – Refer to the library for guidance on referencing.
• You are preparing a business report so presentation is important. Think of including graphs and tables that YOU have developed. Remember 1) A FULL title; 2) source given at the bottom left; 3) all graphs and tables must be self-explanatory including keys and explanation even if it is repetition. DO NOT present graphs or tables that cannot be understood unless you have read the text. DO NOT present screenshots of images, tables or graphs. There are appropriate ways to insert the
• You MUST show that you have independent, critical judgement. That means presenting the good AND the bad points, the for AND against on any issue.
• Submissions along the lines that “this is a great company because they say so…” are heading for a fail.
• ALWAYS reread what you have written the next day and make sure that it is clear – if not then REWRITE.
Assessment Criteria
Assessment Criteria will be available on Blackboard and will be discussed during the module.
You should look at the assessment criteria to find out what we are specifically looking at during the assessment.
General overall descriptors
Less than 50
Basic knowledge with occasional inaccuracies. Superficial depth or limited breadth with unsatisfactory identification of key themes. Critical analysis evident, with some evaluation and synthesis, although limited. Some appropriate academic argument although not well applied and lacking in clarity. Unsatisfactory application of the theory with the real world example. Unsatisfactory academic style. Unsatisfactory in relation to structure, logical progression and clarity.
50-59
Mostly accurate knowledge with satisfactory depth and breadth. Fair identification of key themes. Sound critical analysis and evaluation. Relevant academic argument. Demonstrates basic ability to synthesize information in order to formulate appropriate conclusions. Integration of theory and practice. Acceptable academic style. Fair in relation to structure, logical progression and clarity. Few inconsistencies in use of language/ grammar. Reasonable presentation of results.
60-69
Consistently accurate knowledge with appropriate depth and breadth. Good identification of key themes. Clear, in depth critical analysis, evaluation and academic argument with synthesis of different ideas and perspectives. Aware of the influence of varied perspectives. Clear and relevant application of theory to practice. Good academic style. Well presented in relation to structure, logical progression and clarity. Very few inconsistencies in use of language/ grammar. Good presentation or results.
70 +
Comprehensive knowledge demonstrating very good depth. Demonstrates ability to transfer knowledge between different contexts appropriately. Very good analysis and synthesis of material with evidence of critique and independent thought. Aware of and able to integrate various perspectives. Clear insight into links between theory and practice. Very good academic style. Very well presented in relation to structure, logical progression and clarity. No inconsistencies in use of language/ grammar. Very good presentation of results.
These are the three banks for number 1 question, you are to use work with the latest 5 years. Maybe you can start solving the profitability part and the number 2 questions too.
Please use tables, charts, graphs to bullet points or explain further where necessary.
Please don’t forget to use APA Harvard 7th edition referencing method.
Attached above is the financial data for each of the bank while the named Excel data for deutche bank is the information that i have already gathered. please go through it carefully and confirm with me, if it can be done with your company. please remember i use to be your very customer thank you.
Please I need you guys to do a very good job please. That is %100 course work.