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Assessment Brief – Level Six Undergraduate
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Programme:
BA (Hons) Finance and Investment Management (Newcastle Cohort)
BA (Hons) International Banking and Finance (Newcastle Cohort)
BA (Hons) International Banking and Finance (London Cohort)
BA (Hons) International Banking and Finance (Qatar Cohort)
Module Code:
AF6007/LD6010
Module Title:
Banking Risk 2
Distributed on:
Referral/Deferral Assessment
Submission Time and Date:
27th August 2020 by 23.59 hrs
Word Limit:
3,000 words
Weighting
This coursework accounts for 100% of the total mark for this module
Submission of Assessment
All assignments must be submitted to the correct Submission Point that is located on the Module site under ‘Assessment’ using Turnitin.
Do not email assignments as attachments to the University unless asked to do so by the programme administrator.
It is your responsibility to ensure that your assignment arrives before the submission deadline stated above. See the University policy on late submission of work (the relevant extract is set out below).
Electronic Management of Assessment (EMA): Please ensure that you submit to the correct submission point on Turnitin.
Instructions on Assessment:
The assessment for this module is by means of an assignment and this assignment accounts for 100% of the overall mark for the module. You must attempt both sections to meet the learning outcomes.
Part A:
Using examples (Please choose one bank from either, HSBC Holdings PLC, Barclays PLC or JPMorgan Chase & Co) you are required to present a report critically analysing and demonstrating your understanding of the sources, measurement, management and regulatory infrastructure of the following three risks:
1. Interest Rate Risk
2. Liquidity Risk
3. Operational Risk
(2500 Words, 75 Marks)
Part B:
Based on the interest rate, liquidity and operational risks identified in Part A, construct a fraud risk assessment framework of three associated risks that your chosen bank is currently exposed to or will be exposed to in the foreseeable future. Pay particular attention to the current regulatory infrastructure in which the bank operates.
(500 Words, 25 Marks)
Total for Assignment: 100 Marks
Assessment Brief – Level Six Undergraduate
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Assessment structure guidelines are as follows:
• Length maximum of 3000 words (with a +/- 10% tolerance level) which must be stated.
• Font – Arial 12, whole document being fully justified with 1.5 line spacing.
• Titles and headings should be in bold. Section headings should be numbered e.g. 3.1.
• Referencing must be APA 6th for example:
McMath, M. (2016) Liquidity mismatch and maturity transformation: a study on the UK banks, International Journal of Risk and Return, Vol. 11(7), pp. 21-29
• APA 6th Citation should be as:
McMath (2015) and if more than two authors should be as McMath et al., (2015).
• Quotations of more than 2 lines must be indented and in italics with the reference and page number stated. Shorter quotations should be in italics but do not need to be indented.
• Tables and diagrams should be inserted at an appropriate point in the text and should be easily readable.
• If you are attaching any appendices, please keep it to the minimum.
Late submission of work
Where coursework is submitted without approval, after the published hand-in deadline, the following penalties will apply.
For coursework submitted up to 1 working day (24 hours) after the published hand-in deadline without approval, 10% of the total marks available for the assessment (i.e.100%) shall be deducted from the assessment mark.
For clarity: a late piece of work that would have scored 65%, 55% or 45% had it been handed in on time will be awarded 55%, 45% or 35% respectively as 10% of the total available marks will have been deducted.
The Penalty does not apply to Pass/Fail Modules, i.e. there will be no penalty for late submission if assessments on Pass/Fail are submitted up to 1 working day (24 hours) after the published hand-in deadline.
Coursework submitted more than 1 working day (24 hours) after the published hand-in deadline without approval will be regarded as not having been completed. A mark of zero will be awarded for the assessment and the module will be failed, irrespective of the overall module mark.
For clarity: if the original hand-in time on working day A is 12noon the 24 hour late submission allowance will end at 12noon on working day B.
These provisions apply to all assessments, including those assessed on a Pass/Fail basis.
Word limits and penalties
If the assignment is within +10% of the stated word limit no penalty will apply.
The word count is to be declared on the front page of your assignment and the assignment cover sheet. The word count does not include:
• Title and Contents page
• Reference list
• Appendices
• Appropriate tables, figures and illustrations
• Glossary
• Bibliography
• Quotes from interviews and focus groups.
Please note, in text citations [e.g. (Smith, 2011)] and direct secondary quotations [e.g. “dib-dab nonsense analysis” (Smith, 2011 p.123)] are INCLUDED in the word count.
Assessment Brief – Level Six Undergraduate
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If this word count is falsified, students are reminded that under ARTA this will be regarded as academic misconduct.
If the word limit of the full assignment exceeds the +10% limit, 10% of the mark provisionally awarded to the assignment will be deducted. For example: if the assignment is worth 70 marks but is above the word limit by more than 10%, a penalty of 7 marks will be imposed, giving a final mark of 63.
Students must retain an electronic copy of this assignment (including ALL appendices) and it must be made available within 24hours of them requesting it be submitted.
Note: For those assessments or partial assessments based on calculation, multiple choice etc., marks will be gained on an accumulative basis. In these cases, marks allocated to each section will be made clear.
Academic Misconduct
The Assessment Regulations for Taught Awards (ARTA) contain the Regulations and procedures applying to cheating, plagiarism and other forms of academic misconduct.
The full policy is available at: https://www.northumbria.ac.uk/about-us/university-services/academic-registry/quality-and-teaching-excellence/assessment/guidance-for-students/
You are reminded that plagiarism, collusion and other forms of academic misconduct as referred to in the Academic Misconduct procedure of the assessment regulations are taken very seriously by Newcastle Business School. Assignments in which evidence of plagiarism or other forms of academic misconduct is found may receive a mark of zero.
You are advised to use the Plagiarism Checker prior to the formal submission of your assignment.
Mapping to Programme Goals and Objectives
Programme (Level) Learning Outcomes that this module contributes to:
Knowledge & Understanding:
• Assess knowledge of contemporary professional practice in business and management informed by theory and research. [LO 1.1]
• Appraise knowledge of business and management to complex problems in professional practice in order to identify justifiable, sustainable and responsible solutions [LO 1.2]
Intellectual / Professional skills & abilities:
• Critique creative and critical thinking skills that involve independence, understanding, justification and the ability to challenge the thinking of self and others [LO 2.2]
Personal Values Attributes (Global / Cultural awareness, Ethics, Curiosity) (PVA):
• Critique their personal skills and attitudes for progression to post-graduate contexts including professional work, entrepreneurship and higher level study [LO 3.2]
Module Specific Assessment Criteria
Assessment Brief – Level Six Undergraduate
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You will be expected to demonstrate the following learning outcomes at the end of the Module:
Knowledge & Understanding:
• Develop knowledge and understanding of interest rate, liquidity, and operational risks. [MLO1]
• Critically evaluate and develop an effective fraud assessment framework to prevent the fraud associated with the banking risk in the banking and finance institutions. [MLO2]
Intellectual / Professional skills & abilities:
• You will develop the quantitative as well as qualitative evaluation while measuring and managing the interest rate, liquidity and operational risks. [MLO3]
Personal Values Attributes (Global / Cultural awareness, Ethics, Curiosity) (PVA):
• You will become culturally and ethically aware of the impact of risk management systems on organisational decision-making and their antecedents’ effects on the banking and financial institutions. [MLO4]
Assessment Brief – Level Six Undergraduate
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Components
Completely Insufficient
0-5
Weak
6-9
Adequate
10-12
Good
13-15
Very Good
16-17
Excellent
18-22
Outstanding
23-25
A1. Interest Rate Risk
Limited/No knowledge of interest rate risk has been demonstrated. You haven’t attempted to example any application
Your review of the Interest Rate risk lacks sufficient details, mainly confined to the definitions. Further, you have only provided limited application
Your review of the Interest Rate Risk is restricted to background research and the lecture content but you have mentioned the relevant regulations. Further, you have only provided limited application
Your review of the Interest Rate Risk is reasonably researched covering most of the sources, measurement and management with generally sound arguments. Further, your application examples show a good level of understanding.
Your review of the Interest Rate Risk is well researched covering all key sources (as well as traditional theory), measurement and management with rationalised arguments. From your research, It is clear that you understand the regulations. The application examples have been selective to demonstrate your understanding.
Your review of the Interest Rate Risk is critically researched with insightful arguments covering all traditional theory, key sources, measurement and management. You have demonstrated further understanding via your application examples, which highlight how your bank addresses the regulatory requirements.
You have produced an exemplary review of the interest rate risk literature, providing critical arguments of how banks address the regulations on all aspects of identifying key sources, measurement and management. You have fully understood how this risk affects your bank via your quantitative examples and have ascertained areas for improvement.
A2. Liquidity Risk
Limited/No knowledge of liquidity risk has been demonstrated. You haven’t attempted to example any application
Your review of the Liquidity risk lacks sufficient details, mainly confined to the definitions. Further, you have only provided limited application
Your review of the Liquidity is restricted to background research and the lecture content but you have mentioned the relevant regulations. Further, you have only provided limited application
Your review of the Liquidity Risk is reasonably researched covering most of the sources, measurement and management with generally sound arguments. Further, your application examples show a good level of understanding.
Your review of the Liquidity Risk is well researched covering all key sources, measurement and management with rationalised arguments. From your research, It is clear that you understand the regulations. The application examples have been selective to demonstrate your understanding.
Your review of the Liquidity Risk is critically researched with insightful arguments covering all traditional theory, key sources, measurement and management. You have demonstrated further understanding via your application examples, which highlight how your bank addresses the regulatory requirements. Further, you have understood how market liquidity risk affects your bank.
You have produced an exemplary review of the Liquidity risk literature, providing critical arguments of how banks address the regulations on all aspects of identifying key sources, measurement and management. You have fully understood how this risk affects your bank via your quantitative examples and have ascertained areas for improvement.
Assessment Brief – Level Six Undergraduate
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A3. Operational Risk
Limited/No knowledge operational has been demonstrated. You haven’t attempted to example any application
Your review of the operational risk lacks sufficient details, mainly confined to the definitions. Further, you have only provided limited application
Your review of the Operational Risk is restricted to background research and the lecture content but you have mentioned the relevant regulations. Further, you have only provided limited application
Your review of the Operational Risk is reasonably researched covering most of the sources, measurement and management with generally sound arguments. Further, your application examples show a good level of understanding.
Your review of the Operational Risk is well researched covering all key sources (as well as traditional theory), measurement and management with rationalised arguments. From your research, It is clear that you understand the regulations. The application examples have been selective to demonstrate your understanding.
Your review of the Operational Risk is critically researched with insightful arguments covering all traditional theory, key sources, measurement and management. You have demonstrated further understanding via your application examples, which highlight how your bank addresses the regulatory requirements.
You have produced an exemplary review of the operational risk literature, providing critical arguments of how banks address the regulations on all aspects of identifying key sources, measurement and management. You have fully understood how this risk affects your bank via your quantitative examples and have ascertained areas for improvement.
B. Fraud Risk Framework
Limited discussion of fraud theory. Limited/No knowledge regarding the Fraud Risk Framework.
Your review of the fraud risk theory lacks sufficient details, mainly confined to the definitions. Further, the Fraud Risk Frame work is only a basic attempt
Your review of the fraud risk theory is restricted to background research and the lecture content. The Fraud Risk Frame Work has been applied correctly but needs further explanation
You have provided good understanding of the fraud risk theory including relevant extensions and arguments. Your Fraud Risk Framework shows you have investigated your banks examples using relevant media/academic sources.
Your literature review of the fraud risk theory is well researched covering all rationalised arguments. Very good understanding presented in constructing an effective Fraud Risk Assessment Framework to mitigate against potential fraud risks for the bank of your choice
Your literature review of the fraud risk theory is comprehensively researched covering all rationalised and insightful arguments. An excellent approach to construct an effective Fraud Risk Assessment Framework to mitigate against potential fraud risks for the bank of your choice. Further you have drawn from wider examples to compare and contrast
You have produced an exemplary review of the fraud risk theory and legal environment literature, covering all rationalised and insightful arguments. An outstanding approach to construct an effective Fraud Risk Assessment Framework to highlight areas for improvement and mitigate against potential fraud risks for the bank of your choice. Further, you have used wider examples to critically evaluate your banks examples.