BKF3111 Practical Issues in Banking is a course offered by the University of Malaya that provides students with a comprehensive understanding of the practical aspects of banking. This course is designed to help students explore the issues that are currently facing the banking industry and the challenges that banks face in the competitive global financial marketplace. The course covers a range of topics, including risk management, bank regulation, financial analysis, and ethical issues in banking.
Students will gain a practical understanding of banking through case studies, simulations, and discussions with industry experts. Through these experiences, students will develop critical thinking skills, learn how to analyze and interpret financial data, and understand the importance of ethical behavior in the banking industry.
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Here, we will provide some assignment objectives. These are:
Assignment Objective 1: Differentiate between various banking instruments and the roles of institutions shaping modern banking and finance today and into the future.
Banking instruments are financial products or services offered by banks and other financial institutions to their customers. These instruments can be broadly classified into three categories: deposit instruments, credit instruments, and investment instruments.
Deposit Instruments:
These instruments allow customers to deposit their money with a bank and earn interest on it. The most common deposit instruments include savings accounts, current accounts, fixed deposits, and recurring deposits.
Credit Instruments:
Credit instruments allow customers to borrow money from banks and other financial institutions. The most common credit instruments include loans, credit cards, overdrafts, and lines of credit.
Investment Instruments:
Investment instruments allow customers to invest their money in various financial products and earn returns on their investment. The most common investment instruments include mutual funds, stocks, bonds, and insurance policies.
Institutions shaping modern banking and finance today include central banks, commercial banks, investment banks, fintech companies, and regulatory authorities.
Central banks:
Central banks are responsible for implementing monetary policy, regulating the banking system, and maintaining financial stability. Examples of central banks include the Federal Reserve in the United States and the European Central Bank in Europe.
Commercial banks:
Commercial banks are financial institutions that provide banking services to individuals, businesses, and other organizations. Examples of commercial banks include JPMorgan Chase, Bank of America, and Wells Fargo.
Investment banks:
Investment banks are financial institutions that provide various financial services such as underwriting, mergers and acquisitions, and trading of securities. Examples of investment banks include Goldman Sachs, Morgan Stanley, and J.P. Morgan.
Fintech companies:
Fintech companies are technology-based financial firms that offer innovative financial services such as mobile banking, online payments, and peer-to-peer lending. Examples of fintech companies include PayPal, Square, and Robinhood.
Regulatory authorities:
Regulatory authorities are responsible for enforcing laws and regulations related to the financial sector. Examples of regulatory authorities include the Securities and Exchange Commission (SEC) in the United States and the Financial Conduct Authority (FCA) in the United Kingdom.
In the future, institutions shaping modern banking and finance are likely to include artificial intelligence (AI), blockchain technology, and cryptocurrencies. These technologies have the potential to revolutionize the financial sector by increasing efficiency, reducing costs, and providing greater transparency. However, their adoption will depend on regulatory frameworks and public acceptance.
Assignment Objective 2: Apply their knowledge to case studies on banking and better understand the theory underpinning international banking and finance.
International Banking:
International banking refers to banking activities that cross national borders. These activities include trade finance, foreign currency exchange, and international lending. The theory underpinning international banking is that it allows companies to expand their operations globally and access a wider range of financial products and services. It also helps countries to finance their trade and investment activities.
Case Study: HSBC
HSBC is one of the world’s largest international banks. It has a presence in more than 60 countries and provides a range of banking services, including trade finance, corporate banking, and foreign exchange. In 2012, HSBC was fined $1.9 billion by US authorities for breaching anti-money laundering rules. The bank was accused of allowing drug cartels to launder money through its accounts. The case highlighted the challenges of regulating international banking and the need for stronger anti-money laundering measures.
International Finance:
International finance refers to the study of financial transactions that cross national borders. These transactions include foreign direct investment, portfolio investment, and international trade. The theory underpinning international finance is that it helps countries to access capital and finance their economic development. It also allows investors to diversify their portfolios and access higher returns.
Case Study: Greek Financial Crisis
The Greek financial crisis began in 2009 when Greece’s public debt reached 120% of its GDP. The crisis was caused by a combination of factors, including high levels of public spending, a lack of economic competitiveness, and the global financial crisis. The crisis had a significant impact on the European Union and the global financial system. The case highlighted the risks of high levels of public debt and the need for effective fiscal management.
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