BIC-3032 Individual Case Study Analysis Assignment Sample 2023
CASE 1 – Crash course
Introduction
This study mainly describes the case study of the most popular global bank in the world that is Lehman brothers. This case study mainly highlighted those monetary problems and fiscal issues are some of the major problems that cause a financial crisis in the European finance market. This financial problem is responsible for the Crash problem that was mainly created by the euro crisis. Besides this study also explain the global recession rate that is from the 18 centuries to the 21st century. On the other side, this study also demonstrates the general equilibrium theory that determines the market phenomena.
Overview of the case study
Lehman Brothers are one of the important global banks in the world and it is famous for its financial system. The main function of this financial bank company is to maintain the tax-financial issue within the financial industry. Due to this reason, it created a problem on the credit turned purpose from the 80 years. However, it addressed the major challenges of this firm that was constructive losses and its share price dropped (Bernanke, 2018).
Therefore, fiscal stimulus and the monetary problem must be prevented within this banking company. Due to this purpose, the GDP rate is less in this crisis time of the developed countries specially notified in the European country. Hence in this region, the main banking crisis is the euro crisis. On the other hand, it describes that this euro crisis is a major problem in the world economy that is the Crash problem.
Hence for this purpose, America’s federal government is purchasing bonds to overcome this problem in the financial market. Maximum financiers and central bankers claim that macroeconomics is important for reducing the inflation rate and for stabilizing economic growth throughout the world.
Before the crisis arises, European banks want to adopt the American capital market and purchase dodgy securities. Investors of this region recognised several types of securitized products that reduce the interest rate in the world. Less interest rate is the main issue for the banks and the other investors that create a risk for their assets.
Hence this less interest rate creates a problem for the money market. This financial bank company faced bankruptcy in 2007 due to its counterparties’ viability. In this bankruptcy, this company sold its credit protection. Financial failure is one of the main parts of the Crash (Zhang and Broadstock, 2020). In this case, bankers are not only responsible for this but regulators boards and the central bankers are also responsible for this banking crisis.
This creates an issue of the economic imbalance and on the financial institutes. In this case, bankruptcy is the main concerning factor of the global imbalances.
Finding and analysis
Covid-19 is mainly concerning issues that infect economic activity throughout the world. Alternatively, due to this because it also affects the financial condition of the world. Nowadays these pandemic issues create long-term and short-term effects on the global economic prospects. From the past few days, this issue has created the greatest economic shock all over the country. Therefore, these problems also create an effect on economic growth.
Due to this purpose, this study mainly focuses on the fact that in 2020 the global GDP rate will reach 5.2 % (worldbank.org, 2020). In this situation, the government handles several types of financial crises such as fiscal and monetary problems through the help of the market exchange rate. Hence along with the help of the market exchange rate the government gives importance to the currency value. It also helps to stabilise the foreign currency.
With the help of the foreign currency, government overcomes the economic damage and the capital loss-oriented problem. During this time human capital investment ratio is also decreases day by day for the less working activity. Hence these issues create challenges in the global trade purpose and the supply linkages purposes.
Figure 1: Global recession in 2020
(Source: worldbank.org, 2020)
The above diagram explains the global recession rate in 2020. Here this diagram shows that in 1991-2021 this recession rate is less than the decade of 1901 to 1961. This diagram also highlighted those advanced economies rateis affected as 7% whereas 2.5% rates are affected in the emerging markets and the developing economy (Alexakiset al. 2019).
Therefore, many emerging markets are focused on the fact that their economic growth decreases and it takes on the challenges of the economic condition and the financial condition of the country. In this case, Walrasian General Equilibrium theory gives a brief description of the various types of function of the macro economy.
Therefore, this macro economy function helps to understand market phenomena. In this case, this theory focuses that in a way demand helps to balance the market economy (economics discussion.net, 2021).
Figure 2: General equilibrium theory
(Source: economics discussion.net, 2021)
Recommendations
In the present day financial or the banking crisis is a new concerning issue that mainly arises after globalisation and industrialisation. In this case, the maximum banking company and the country’s government take solid action regarding the financial crisis (Chapra, 2017). Hence the main benefit of the bank and the financial institute is that it overcomes the financial turbulence. In the financial crisis, financial institutions must develop the world’s economic activity and also enhance the world trade system.
On the other hand, the government of the country also maintains the financial sectors properly. Hence the banks must maintain their balance sheets appropriately. Besides, the financial institution must maintain the quality of the bank loans. Alternatively, discuss that banking institutions must adopt the economic recovery policies that help to develop the economic growth of the economy in a sustained way.
These policies help to measure the macroeconomics situation and also support the repair of financial institution’s balance sheets. Hence it also helps to stabilise the country’s financial capital flow system globally (Verdun, 2017).
Conclusion
Lastly, this study describes that in the case study highlighted that this popular global bank observed bankruptcy in 2007. The major reason for this bankruptcy is the viability of the counterparties. This case study also describes that investor of the UK region determine several types of securitised products that remove the interest rate globally.
Hence this is the only reason that the financial institutions of this region buy dodgy securities. On the other hand, this study also describes that in the current situation Covid-19 pandemic affects the global GDP rate. Therefore, this pandemic situation also decreases economic activity and this is the main factor causing a financial crisis globally.
To overcome this situation banking institutions, take several types of recommendations such as several types of financial policies to enhance the economy in a sustained way.
CASE 2 – The next financial crisis may be triggered by central banks
Introduction
This study also defines another type of case study that is based on the Deutsche bank. This financial bank confronts the monetary-oriented financial problem. In that case, it also creates barriers to equity issues, fixed exchange issues, and the creation of credit issues. This study also provides the concept of the banking business and the role of the central bank during the financial crisis. Besides, this study also discusses the UK’s GDP rate in the pandemic situation. This study also analyzes the economic fall rate of the UK country to the other regions of the world.
Overview of the case
This case study mainly shows that the Deutsche bank confronts another type of banking crisis such as the assets -return on the long-term basis. In recent days this type of crisis has mainly been noticed in the developed markets (Illeset al. 2019). In this crisis time, this banking institution is suffering from the equity problem that decreases at 15 % annually. On the other side government bonds and the currency rate also decrease by 10%.
However, this is the main factor creating an impact on the national debt and the double inflation purpose. In the 19th century, this financial institution company faced this type of financial crisis. This case study addresses that this financial bank observes the monetary system-oriented problem. This problem includes other types of problems such as fixed exchange-oriented issues and the credit creation issue.
This case study also highlighted that the country spread out its money supply to control the trade deficit problem and the currency exchange problem (Martinez et al. 2019).
These are key elements for financial bubbles or inflation. Due to this reason, maximum countries changed their financial system to the floating exchange system in the 1970s. Hence this purpose, the government deals with the economic crisis and the trade imbalance through the help of policymakers.
This study also addresses that in 1966 Japan notified the market-related pressure and on the other hand in 1993 France recognised the budget balance-oriented problem. Therefore it is also the main responsible factor that transforms the credit expansion cycle. However, it gives importance to the debt uses of the financial assets purpose or the credit purchase purpose (Mancini-Griffoliet al. 2018).
Central banks cut the interest rate and provide awareness of the financial crisis. Many investors adopt the strategy to overcome the debt -related issues. Hence the investors borrowed the money for purchasing the financial assets.
Finding and analysis
A banking business is one type of company’s financial agreement that mainly deals with the financial institution for giving the business loans and the credit purpose (Shao, 2017). The banking business involves various types of aspects such as a retail bank, and an investment bank that is compact with the capital market. Hence the other name of this banking business is corporate banking that also provides advice as well as financial services for the small and the medium business sector.
This service includes real-estate loans, credit card loans, and commercial loans. On the other hand, central banks also play a major role in determining financial stability throughout the world. Besides they make a monetary policy to maintain the inflation rate and manage the volatile currency exchange rate (Ekinci and Omay, 2020).
Figure 3: In 2020 GDP growth rate fall in the UK country
(Source: theguardian.com, 2020)
The above diagram explains that in 2020 the UK country’s GDP growth rate decreases due to the restriction of the coronavirus. At the pre-pandemic level, this country’s production level, as well as the manufacturing rate, has increased rather than the post-lockdown period. Hence this rate decreases in early 2020. The rate decreased by 19% when the pandemic expanded throughout this region.
On the other hand, it also notices that in this situation economic conditions are declining in several regions such as 3.5% of the economy fall in the US, in Germany its 5%, in France its 8.3% whereas in Italy it 8.9% (theguardian.com, 2020). Hence in this time lockdown system disrupts the business activity. In this case currency crisis theory on the main theory that represents the international -financial condition.
This theory explains three parts of the financial policy goals such as capital flow on an international basis, stability of the currency exchange rate, and monetary issues. Besides this theory is helps to understand the coordination problems that arise between the investors. However, this theory maintains the economic activity and also the business crisis (voxeu.org, 2021).
Recommendations
This study also describes several types of strategies that adopt this region for their financial crisis purpose. Here in this case the government of this region must adopt the monetary policy to gain price stability. Besides, this policy also helps to maintain the economic fluctuation throughout this country. This policy also helps to determine the explicit inflation target. Besides this policy is also helps the low-income countries to control the monetary transition (Zouaghiet al. 2018).
This kind of strategy also helps to take equilibrium on the interest rates. However central banks apply this concept to supply the money for maintaining the open market operation. On the other hand, central banks also adopt foreign exchange policies to maintain the fixed exchange rate properly (Valasai et al. 2017). Therefore, with the help of this policy, it overall controls the world’s trade-off system effectively.
Conclusion
Finally, conclude this study, explain that banking business discusses various types of aspects such as a retail bank, and the investment bank. The main activity of the banking business is to maintain the overall financial operation such as credit loans and bank loans. On the other hand, this study also demonstrates that credit banks also take a strategy to control the financial stability and the inflation rate.
Alternatively, it says that this study takes two types of approaches to control the business crisis such as monetary policy and the currency exchange policy. This study also provides information on the UK’s financial condition during the pandemic situation.
Reference List
Journals
Alexakis, C., Izzeldin, M., Johnes, J. and Pappas, V., 2019. Performance and productivity in Islamic and conventional banks: Evidence from the global financial crisis. Economic Modelling, 79, pp.1-14.
Bernanke, B.S., 2018. The real effects of disrupted credit: evidence from the global financial crisis. Brookings Papers on Economic Activity, 2018(2), pp.251-342.
Chapra, M.U., 2017. The looming international financial crisis: Can the introduction of risk sharing in the financial system as required by Islamic finance, play a positive role in reducing its severity?. Islamic Economic Studies, 25(2).
Ekinci, M.F. and Omay, T., 2020. Current account and credit growth: The role of household credit and financial depth. The North American Journal of Economics and Finance, 54, p.101244.
Illes, A., Lombardi, M.J. and Mizen, P., 2019. The divergence of bank lending rates from policy rates after the financial crisis: The role of bank funding costs. Journal of International Money and Finance, 93, pp.117-141.
Mancini-Griffoli, T., Peria, M.S.M., Agur, I., Ari, A., Kiff, J., Popescu, A. and Rochon, C., 2018. Casting light on central bank digital currency. IMF staff discussion note, 8.
Martinez, M.G., Zouaghi, F., Marco, T.G. and Robinson, C., 2019. What drives business failure? Exploring the role of internal and external knowledge capabilities during the global financial crisis. Journal of Business Research, 98, pp.441-449.
Shao, L., 2017. Aggregate fluctuations and the role of trade credit (No. 2017-37). Bank of Canada Staff Working Paper.
Valasai, G.D., Uqaili, M.A., Memon, H.R., Samoo, S.R., Mirjat, N.H. and Harijan, K., 2017. Overcoming electricity crisis in Pakistan: A review of sustainable electricity options. Renewable and Sustainable Energy Reviews, 72, pp.734-745.
Verdun, A., 2017. Political leadership of the European central bank. Journal of European Integration, 39(2), pp.207-221.
Zhang, D. and Broadstock, D.C., 2020. Global financial crisis and rising connectedness in the international commodity markets. International Review of Financial Analysis, 68, p.101239.
Zouaghi, F., Sánchez, M. and Martínez, M.G., 2018. Did the global financial crisis impact firms’ innovation performance? The role of internal and external knowledge capabilities in high and low tech industries. Technological Forecasting and Social Change, 132, pp.92-104.
Websites
economicsdiscussion.ne, (2021), “General Equilibrium Theory”, available from:https://www.economicsdiscussion.net/firm/general-equilibrium-theory-with-diagram/6002 [Accessed by 2nd August, 2021]
theguardian.com, (2020), “UK economy hit by record slump in 2020 but double-dip recession avoided”, Available from:https://www.theguardian.com/business/2021/feb/12/uk-avoided-double-dip-recession-despite-covid-slump-in-2020-ons-gdp [Accessed by 2nd August, 2021]
voxeu.org, (2021), “Financial crisis theory”, Available from:https://voxeu.org/article/theories-financial-crises [Accessed by 2nd August, 2021]
worldbank.org, (2020), “The Global Economic Outlook during the COVID-19 Pandemic: a Changed World”, available from: https://www.worldbank.org/en/news/feature/2020/06/08/the-global-economic-outlook-during-the-covid-19-pandemic-a-changed-world [Accessed by 2nd August, 2021]
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