The numbers of building societies and credit unions have been steadily          declining in recent years. In the most part this has been due to the quest for scale, with institutions merging to create bigger ones. In recent years, however, a number of these institutions have restructured into banks (Defence Bank, Heritage Bank and MECU Limited, for example).

Purpose: This project will further students’ understanding of how non-bank financial institutions are responding to the ever changing the Australian financial sector.

Value:                              25%

Word limit:                     2000 + 10% Words

Due Date:                        11:59p.m, Monday 14 May 2018

Submission:            (1) Soft copy uploaded to Moodle and Turnitin Word .doc or .docx

Topic:                       The numbers of building societies and credit unions have been steadily declining in recent years. In the most part this has been due to the quest for scale, with institutions merging to create bigger ones. In recent years, however, a number of these institutions have restructured into banks (Defence Bank, Heritage Bank and MECU Limited, for example).

Research   these    and    other    institutions that have   changed from building societies/credit unions into banks and determine the rationale for this change. Also

consider  the  implications  of  this  trend  for  the  remaining  non-bank  financial institutions.

Research requirements: Students need to support their analysis with a minimum of 6 academic journal articles plus the text. Students aiming for a Credit or higher grade will need to use more sources. Articles should be relevant and recent. Non-academic journal sources may also be used, but relevant and validity should be clarified with the lecturer/tutor.

Presentation: Report format – 2000 + 10% word report – Word .doc or .docx; Title page, executive summary, table of contents, appropriate headings and sub-headings, recommendations/findings/conclusions, in-text referencing and reference list (Harvard – Anglia style), attachments if relevant. Single spaced, font Times New Roman 12pt, Calibri 11pt or Arial 10pt.

Sources: (1) Apra.gov.au; (2) rba.gov.au; (3) individual institution websites.

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