How to write an assignment with the help of AI on Banking and Financial Regulation Assessment

Every year you will receive an assignment from your university on your subject Banking and Financial Regulation, this will consist of 3000 words, This assessment is worth 100% of the overall module mark.

So you’ve got this big assignment on Banking and Financial Regulation, and honestly? It looks pretty tough. 3000 words, ratio calculations, bank comparisons, and lots of technical stuff. But here’s the good news you can use AI tools like ChatGPT or DeepSeek to help you work smarter, not harder.

Let me walk you through exactly how to do this without getting into trouble or losing marks.

First you NEED to understand this:

AI is your assistant, not your ghostwriter. Your university has strict rules about academic misconduct. Using AI to write everything = big trouble. Using AI to help you understand, structure, and improve your work = smart studying.

Think of AI like a tutor who’s available 24/7. They’ll explain things, help you brainstorm, and check your work – but YOU have to do the actual thinking and writing.

Basic Concept of your Assignment

Let me break down this assignment in plain English:

Part A (50 marks) – You’re a consultant. A South African bank wants to partner with a European bank. You need to analyze three banks (Santander, BNP Paribas, Deutsche Bank) using three specific ratios:

• Liquidity Coverage Ratio (can they pay short-term bills?)
• Capital Adequacy Ratio (do they have enough safety cushion?)
• Noninterest Income Ratio (how do they make money besides loans?)

Part B (50 marks) – Answer 2 out of 3 essay questions about Basel III rules, shadow banking, or credit scores.

How to solve Part A of the Banking and Financial Regulation Assessment

If you are searching for ” How to write an assignment with the help of AI on Banking and Financial Regulation Assessment then follow the following steps for the guidelines:

Step 1: Getting the Data

Your brief says to use Orbis Global  database. AI can’t access this directly. So first, you need to:

1. Log into Orbis through your university library
2. Download the financial reports for all three banks (5 years of data)
3. Put the numbers into a spreadsheet

Step 2: Calculating Ratios

Once you have the raw numbers, ask AI to help with calculations:

 Here are Deutsche Bank’s liquidity coverage ratios for 2019-2023: [paste numbers]. Help me calculate the 5-year average and identify any trends. Show your working.

 I have these balance sheet numbers for BNP Paribas. What’s the formula for Capital Adequacy Ratio? Walk me through calculating it step by step.

Step 3: Understanding What the Numbers Mean

 If a bank’s Liquidity Coverage Ratio drops from 160% to 125% over five years, is that concerning? What factors could cause this?

 Compare these three banks’ Capital Adequacy Ratios – Santander at 14%, BNP at 15.5%, Deutsche at 13.8%. Which is best positioned for a financial crisis and why?

 What does a high Noninterest Income Ratio tell you about a bank’s business model? What are the pros and cons?

Step 4: Building Your Analysis

 Help me structure a paragraph comparing Banco Santander and Deutsche Bank on asset utilization. What key points should I include?

 I think Bank A is the best choice because of X, Y, Z. What counterarguments should I address to show critical thinking?

 Rewrite this analysis to be more critical. I’m being too positive about Bank B.

How to solve Part B of the Banking and Financial Regulation Assessment

For Question 1 (Basel III and Stress Tests):

 Explain what bank stress tests are in the context of Basel III. How do they work in practice?

 What are the strengths AND weaknesses of stress testing as a regulatory tool? Give me balanced arguments for both sides.

 Help me evaluate whether stress tests actually prevented bank failures. Can you provide examples where they worked and where they didn’t?

For Question 2 (Securitization and Shadow Banking):

 What is asset securitization in simple terms? Why do banks do it?

 Explain shadow banking activities. Why are commercial banks getting more involved in these?

 What are the main regulatory gaps when it comes to securitization? What risks do these gaps create for bank sustainability?

For Question 3 (Credit Scores vs. Loan Officer Judgment):

 What are the arguments FOR using credit scores as the primary loan decision tool?

 What are the arguments AGAINST relying mainly on credit scores? What other factors matter?

 Help me develop a balanced conclusion on whether loan officers should prioritize credit scores or use broader judgment.

Make sure

DO NOT copy ratios from annual reports. You MUST compute them yourself.  AI can help you understand formulas, but you need to do the actual math using raw data from Orbis. Show your calculations in an appendix or table.

Create Your OWN Graphs and Tables, No screenshots from anywhere! Your brief is clear:  DO NOT present screenshots of images, tables or graphs.

• Calculate numbers in Excel
• Create simple bar charts or line graphs
• Label everything properly (title, source at bottom left, keys/legends)
• Ask AI:  What’s the best way to visualize a 5-year comparison of three banks’ capital ratios?

Use material from lectures and seminars this will be given far more credit than random paraphrased downloads from the internet.  Upload your lecture slides to ChatGPT or DeepSeek and ask: Based on these lecture slides about Basel III, what are the key points I should include in my answer about stress tests?  If AI helps you with an idea, you don’t reference it (unless your university has a specific AI policy check!). But any actual source (lecture, textbook, annual report) needs proper citation.

Ask AI:

 How do I reference a bank’s annual report in Harvard style?

Sample Prompts for Each Assignment Section

For all of your tasks, you can use chatgpt and deepseek. Following are the prompts you can use for this task:

• Explain what a correspondent bank is in simple terms. Why would a South African bank need a European correspondent bank for trade finance?
• What is a letter of credit and what does it mean to ‘confirm’ one? Give me an example.
• Break down what Liquidity Coverage Ratio, Capital Adequacy Ratio, and Noninterest Income Ratio measure. Use analogies.

For your Introduction (8 marks):

 Help me outline an introduction for a banking report comparing three European banks. I need: background on banking industry challenges, an overview of my analysis approach, and my main conclusion stated upfront.

For Liquidity Coverage analysis (13 marks):

 I’ve calculated these LCR ratios: [paste data]. What are the key trends I should discuss? What external factors (regulatory changes, economic conditions) might explain these trends?

For your Conclusion (8 marks):

 I’ve concluded that BNP Paribas is the best correspondent bank. Help me write a conclusion that restates my key findings, explains why this matters, and honestly addresses limitations in my analysis.

For Part B essays (25 marks each):

 Help me structure a 750-word academic essay answering: ‘Explain stress tests and evaluate their effectiveness under Basel III.’ I need an introduction, 3 main body paragraphs (explanation, strengths, weaknesses), and a conclusion.

Conclusion

Using ChatGPT or DeepSeek for this assignment is totally fine smart, even. But use them as:

• A tutor for explaining concepts you don’t understand
• A brainstorming partner for generating ideas and counterarguments
• A writing coach for improving your structure and clarity
• A proofreader for catching awkward phrasing

Don’t use ChatGPT or DeepSeek as a ghostwriter for submitting AI text as your own or as a reference librarian without checking sources

Your professor wants to see your understanding, your critical thinking, and your analysis. AI can help you get there, but you’re still the one driving the car.

Good luck!

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