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ES30089: Economics of banking

Follow this link for further information on academic years Academic Year: 2013/4
Further information on owning departmentsOwning Department/School: Department of Economics
Further information on credits Credits: 6
Further information on unit levels Level: Honours (FHEQ level 6)
Further information on teaching periods Period: Semester 1
Further information on unit assessment Assessment: CW 20%, EX 80%
Further information on supplementary assessment Supplementary Assessment: Reassessment not allowed
Further information on requisites Requisites: While taking this unit you must take ES30025
Further information on descriptions Description: Aims:
The aim of this unit is to provide students with an understanding to the theory of banking, based on an economic analysis of their activities. This will allow students to obtain a sound theoretical framework in which to analyze and explain actual events in banking.

Learning Outcomes:
By the end of this unit, the student should be able to:
* analyze the competition between banks;
* evaluate the lending contract between banks and their customers;
* assess the susceptibility of banks to financial fragility;
* analyze the conflicts of interest between customers and banks.

Intellectual Skills
* the facility to apply subject-specific knowledge into a range of complex situations; TFA
* a critical awareness of current issues and frameworks in banking; F
* the ability to acquire and analyse data, information and situations; to evaluate relevance and validity, and to synthesise it in the context of the theory of finance as applied to financial intermediaries such as banks; FA
Professional Practical Skills
* evaluate the current standing of theories and empirical evidence and suggest improvements for the operation and regulation of banks; TFA
* operate effectively both independently as well as within teams and assume leadership roles where appropriate; FA
* be self-directed and able to act autonomously in planning and implementing. F
Transferable/Key Skills
* ability to conduct in-depth research in the context of the theory of finance as applied to financial intermediaries such as banks. FA
* the facility to communicate including presenting and marketing themselves and their ideas. FA

This unit covers a wide range of topics in commercial and investment banking, providing an economic analysis of the following topics:
* the role of banks in the economy;
* competition between banks;
* debt contracts and credit rationing;
* regulation of banks;
* advisory in M&A;
* underwriting IPOs;
* advising clients on investments.
Further information on programme availabilityProgramme availability:

ES30089 is Optional on the following programmes:

Department of Economics
  • UHES-AFB03 : BSc (hons) Economics (Full-time) - Year 3
  • UHES-AKB03 : BSc (hons) Economics (Full-time with Thick Sandwich Placement) - Year 4
  • UHES-AFB02 : BSc (hons) Economics and International Development (Full-time) - Year 3
  • UHES-AKB02 : BSc (hons) Economics and International Development (Full-time with Thick Sandwich Placement) - Year 4
  • UHES-AFB01 : BSc (hons) Economics and Politics (Full-time) - Year 3
  • UHES-AKB01 : BSc (hons) Economics and Politics (Full-time with Thick Sandwich Placement) - Year 4

* This unit catalogue is applicable for the 2013/4 academic year only. Students continuing their studies into 2014/15 and beyond should not assume that this unit will be available in future years in the format displayed here for 2013/14.
* Programmes and units are subject to change at any time, in accordance with normal University procedures.
* Availability of units will be subject to constraints such as staff availability, minimum and maximum group sizes, and timetabling factors as well as a student's ability to meet any pre-requisite rules.