Economic Of Banking and finance- Case study

You are required to conduct a case study relating to one of the banks in the United States and compile it into a report format. You are advised to conduct research based on the information from the bank’s/stock exchange website. Bank: Jp Morgan The task objectives are to assess a student’s learning and understanding of the various topics outlined in the module. They are:

1. Identify and critically discuss two key roles of the bank in terms of its contributions to the country’s financial system. (10 marks)

2. Critically evaluate the problems associated with relying on debt finance being provided by the bank with those parties who are a financial surplus unit to those who are a financial deficit unit. Your evaluations should support with real-life examples to demonstrate your understanding and appreciation of the problems encountered by the bank. (15 marks)

3. Critically explain the main changes to capital adequacy, liquidity, and leverage requirements as stipulated by Basel III and discuss the likely impact of these changes on the bank’s financial conditions. (40 marks)

4. Critically explain the processes of asset securitization with the use of a diagram to demonstrate your understanding and examine why a bank may wish to securitize. (15 marks)

5. Critically discuss the implications of the global financial crisis which occurred in 2008 on the bank’s financial performances shortly after the crisis. Also, discuss what were the measures implemented by the country’s government to calm its financial markets during that time. (20 marks)

Written Requirements Your answer to each question should follow an essay style. In addressing each question ensure that the above outcomes are achieved. Present the answers in a logical and concise manner. Use bullet points sparingly. Tables and diagrams can be used however they must be correctly labeled, numbered and sourced, and accompanied by a brief explanation highlighting the main points or implications. You may include any additional (supporting) information in the appendices at the end of the assessment item. Information in the appendices should only be included if it is referenced in the body of the assignment.

Qn1: Identity and critically discuss two keys roles of the bank in terms of its contributions to the country’s financial system.

– brokerage function, asset transformation, asymmetric information in Financial System

– how they impact the financial system

– annual report, what did chairman and CFO said, what they did and what they have not done, what they contribute to the Financial system

– where the money come and go – look at the loan, what kind of industry

– customer of the bank

– management discussion in the annual report

Qn2: Critically evaluate the problems associated with relying on debt finance being provided by the bank with those parties who are a financial surplus unit to those who are a financial deficit unit. Your evaluations should support with real-life examples to demonstrate your understanding and appreciation of the problems encountered by the bank.

– what is the problem that money come

– what is the problem to lend money

– risk, problem, the challenge faced by bank encounter

– what is the problem the depositors will do to you as bank

– how to prevent the problem

– maintain sufficient liquidity

– diversity deposit

– balance sheet (annual report)

– internal running of the bank (annual report)

Qn3: Critically explain the main changes to capital adequacy, liquidity, and leverage requirements as stipulated by Basel III and discuss the likely impact of these changes on the bank’s financial conditions.

– leverage ratio

– capital ratio tier 1 and tier 2

– liquidity

– systematic

– can read PWC (Price Water Cooper)

– what they do, before and after

– how they impact the bank

Qn4: Critically explain the processes of asset securitization with the use of a diagram to demonstrate your understanding and examine why a bank may wish to securitize.

– What they did

– if they haven’t, what can help them (what way to help the bank)

Qn5: Critically discuss the implications of the global financial crisis which occurred in 2008 on the bank’s financial performances shortly after the crisis. Also, discuss what were the measures implemented by the country’s government to claim its financial markets during the time.

– financial crisis impact that bank performance

– what the chairman said

– what the government restore the market

– giving incentive to the corporation

– governance soften MNC

– refer the previous annual report

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