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Best JAIIB/DBF & CAIIB study material and Online Mock tests:
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JAIIB and CAIIB Exams are conducted by INDIAN INSTITUTE OF BANKING & FINANCE (IIBF).
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- Memory based Mock (Based On Nov 2019 and Dec 2020)
- Total Questions- 1500+
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⇒JAIIB/DBF Paper-II (Accounting & Finance for Bankers)
- Full length Mock (Actual Exam Pattern)- 5 (Each Mock 120 Questions)
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- Memory based Mock (Based On Nov 2019 and Dec 2020)
- Total Questions- 1300+
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⇒JAIIB/DBF Paper-III (Legal and Regulatory Aspects of Banking)
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⇒JAIIB/DBF COMBO (Paper-I + Paper-II + Paper-III)
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⇒Advance Bank Management Paper-1 (CAIIB)
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- Full length Mock (Actual Exam Pattern)- 5 (Each Mock 100 Questions)
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⇒CAIIB Retail Banking in India (Optional paper)
- Full length Mock (Actual Exam Pattern)- 3 (Each Mock 100 Questions)
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⇒CAIIB Paper-1 + Paper-2 + Paper-3 COMBO
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DETAILED and UPDATED Syllabus of JAIIB
PAPER 1 – PRINCIPLES & PRACTICES OF BANKING
MODULE A – INDIAN FINANCIAL SYSTEM
Indian Financial System – An Overview
Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA
Banking Regulation
Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending
Retail Banking, Wholesale and International Banking
Retail Banking- Products, Opportunities; Wholesale Banking, Products; International Banking, Requirements of Importers & Exporters, Remittance Services; Universal Banking; ADRs; GDRs; Participatory Notes
Role of Money Markets, Debt Markets & Forex Market
Types of Money & Debt Market Instruments including G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.
Role and Functions of Capital Markets, SEBI
Overview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products/ Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc. QIBs.
Factoring, Forfaiting Services and Off-Balance Sheet items
Types & advantages of Factoring & forfaiting services; Types of off-balance sheet items
Risk Management, Basel Accords
Introduction to Risk Management; Basel I, II & III Accords
CIBIL, Fair Practices Code for Debt Collection, BCSB
Role and Functions of CIBIL; Fair Practices Code for Debt Collection; Codes of BCSBI
Recent Developments in the Financial System
Structure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement System
MODULE B – FUNCTIONS OF BANKS
Banker Customer Relationship
Types; Different Deposit Products & Services; Services to Customers & Investors
KYC/ AML/ CFT norms
PMLA Act; KYC Norms
Bankers’ Special Relationship
Mandate; POA; Garnishee Orders; Banker’s Lien; Right of Set off
Consumer Protection – COPRA, Banking Ombudsman Scheme
Operational Aspects of COPRA Act & Banking Ombudsman Scheme
Payment and Collection of Cheques and Other Negotiable Instruments
NI Act; Role & Duties of Paying & Collecting Banks; Endorsements; Forged Instruments; Bouncing of Cheques; Its Implications; Return of Cheques; Cheque Truncation System
Opening accounts of various types of customers
Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar, SB Rate Deregulation
Ancillary Services
Remittances; Safe Deposit Lockers; Govt. Business; EBT
Cash Operations
Cash Management Services and its Importance
Principles of Lending, Working Capital Assessment and Credit Monitoring
Cardinal Principles; Non-fund Based Limits; WC; Term Loans; Credit Appraisal Techniques; Sources of WC Funds & its Estimation; Operating Cycle; Projected Net WC; Turnover Method; Cash Budget; Credit Monitoring & Its Management; Base Rate
Priority Sector Advances
Targets; Sub-Targets; Recent Developments
Agricultural Finance
Types of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc.)
Micro, Small and Medium Enterprises
MSMED Act, 2006 Policy Package for MSMEs; Performance and Credit Rating Scheme; Latest Developments
Government Sponsored Schemes
SGSY; SJSRY; PMRY; SLRS
Self Help Groups
Need for & Functions of SHGs; Role of NGOs in Indirect Finance to SHGs; SHGs & SGSY Scheme; Capacity Building
Credit Cards, Home Loans, Personal Loans, Consumer Loans
Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards; Procedure and Practices for Home Loans, Personal Loans and Consumer Loans
Documentation
Types of Documents; Procedure; Stamping; Securitisation
Different Modes of Charging Securities
Assignment; Lien; Set-off; Hypothecation; Pledge; Mortgage
Types of collaterals and their characteristics
Land & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.; Supply Bills
Non-Performing Assets
Definition; Income Recognition; Asset Classification; Provisioning Norms; CDR
Financial Inclusion BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, RSETI
Financial Literacy
Importance of financial literacy, customer awareness
MODULE C – BANKING TECHNOLOGY
Essentials of Bank Computerization
Computer Systems; LANs; WANs; UPS; Core Banking
Payment Systems and Electronic Banking
ATMs; HWAK; PIN; Electromagnetic Cards; Electronic Banking; Signature Storage & Retrieval System; CTS; Note & Coin Counting Machines; Microfiche; NPC; RUPAY
Data Communication Network and EFT systems
Components & Modes of Transmission; Major Networks in India; Emerging Trends in Communication Networks for Banking; Evolution of EFT System; SWIFT; Automated Clearing Systems; Funds Transfer Systems; Recent Developments in India
Role of Technology Upgradation and its impact on Banks
Trends in Technology Developments; Role & Uses of Technology Upgradation; Global Trends; Impact of IT on Banks
Security Considerations
Risk Concern Areas; Types of Threats; Control Mechanism; Computer Audit; IS Security; IS Audit; Evaluation Requirements
Overview of IT Act
Gopalakrishna Committee Recommendations
Preventive Vigilance in Electronic Banking
Phishing; Customer Education; Safety Checks; Precautions
MODULE D – SUPPORT SERVICES – MARKETING OF BANKING SERVICES/ PRODUCTS
Marketing – An Introduction
Concept; Management; Products & Services; Marketing Mix; Brand Image
Social Marketing/ Networking
Evolution, Importance & Relevance of Social Marketing/ Networking
Consumer Behavior and Product
Consumer Behavior; Product Planning, Development, Strategies, etc.; CRM
Pricing
Importance, Objectives, Factors, Methods, Strategies of Pricing; Bank Pricing
Distribution
Distribution Channels; Channels for Banking Services; Net Banking; Mobile Banking
Channel Management
Meaning, Levels, Dynamics, Advantages
Promotion
Role of Promotion in Marketing; Promotion Mix
Role of Direct Selling Agent/ Direct Marketing Agent in a bank
Definition; Relevance; Banker as DSA/ DMA; Delivery Channels in Banks; Benefits
Marketing Information Systems – a longitudinal analysis
Functions & Components of MKIS; MKIS Model; Use of Computers & Decision Models; Performance of MKIS; Advantages
MODULE E – ETHICS IN BANKS AND FINANCIAL INSTITUTIONS
Ethics, Business Ethics & Banking: An Integrated Perspective
Business Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts
Ethics at the Individual Level
Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making.
Ethical Dimensions: Employees
Obligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders
Work Ethics and the Workplace
Work Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India
Banking Ethics: Changing Dynamics
Ethics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents and Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management
PAPER 2 – ACCOUNTING & FINANCE FOR BANKERS
MODULE A – BUSINESS MATHEMATICS AND FINANCE
Calculation of Interest and Annuities
Calculation of Simple Interest & Compound Interest; Calculation of Equated Monthly Instalments; Fixed and Floating Interest Rates; Calculation of Annuities; Interest Calculation using Products/ Balances; Amortization of a Debt; Sinking Funds
Calculation of YTM
Debt- Definition, Meaning & Salient Features; Loans; Introduction to Bonds; Terms associated with Bonds; Cost of Debt Capital; Bond value with semi-annual Interest; Current Yield on Bond; Calculation of Yield-to- Maturity of Bond; Theorems for Bond Value; Duration of Bond; Properties of Duration; Bond Price Volatility
Capital Budgeting
Present Value and Discounting; Discounted Technique for Investment Appraisal; Internal Rate of Return (IRR); Method of Investment Appraisal; NPV and IRR compared; Investment Opportunities with Capital Rationing; Investment Decision making under condition of uncertainty; Expected NPV Rule; Risk Adjusted Discount Rate Approach for NPV Determination; Sensitivity Analysis for NPV Determination; Decision Tree Analysis for NPV Estimation; Payback Methods; ARR.
Depreciation and its Accounting
Depreciation, its types and methods; Comparing Depreciation Methods
Foreign Exchange Arithmetic
Fundamentals of Foreign Exchange; Forex Markets; Direct and Indirect Quote; Some Basic Exchange Rate Arithmetic – Cross Rate, Chain Rule, Value date, etc.; Forward Exchange Rates – Forward Points; Arbitrage; Calculating Forward Points; Premium/ discount; etc.
MODULE B – PRINCIPLES OF BOOKKEEPING & ACCOUNTANCY
Definition, Scope and Accounting Standards
Nature and Purpose of Accounting; Historical Perspectives; Origins of Accounting Principles; Accounting Standards in India and its Definition and Scope; Generally Accepted Accounting Principles of USA (US GAAP); Transfer Pricing; Overview of IFRS; Difference between GAAP & IFRS.
Basic Accountancy Procedures
Concepts of Accountancy; Going Concern Entity; Double Entry System; Principle of Conservatism; Revenue Recognition and Realization; Accrual and Cash Basis.
Maintenance of Cash/ Subsidiary Books and Ledger
Record Keeping Basics; Account Categories; Debit and Credit Concepts; Accounting and Columnar Accounting Mechanics; Journals; Ledgers; subsidiary books; etc.
Bank Reconciliation Statement
Need for Bank Reconciliation; Causes of Differences; Preparation of Bank Reconciliation Statement; How to prepare a Bank Reconciliation Statement when Extracts of Cash Book and Pass Book are given; Adjusting the Cash Book Balance; Advantages of Bank Reconciliation Statement.
Trial Balance, Rectification of Errors and Adjusting & Closing Entries
Meaning of a Trial Balance; Features and Purpose of a Trial Balance; Types of Trial Balance and Preparation of a Trial Balance; Disagreement of a Trial Balance; Classification of Errors; Location of Errors; Rectification of Errors; Suspense Account and Rectification; Rectification of Errors when Books are closed; Adjusting and Closing Entries.
Capital and Revenue Expenditure
Expenditure; Distinction between Capital and Revenue Expenditure; Deferred Revenue Expenditure; Receipts; General Illustrations.
Bills of Exchange
Types of Instruments of Credit; Term and Due Date of a Bill; Certain Important Terms; Accounting Entries to be Passed; Accommodation Bill etc.
MODULE C – FINAL ACCOUNTS
Balance Sheet Equation
Balance Sheet Equation; Computation of Balance Sheet Equation.
Preparation of Final Accounts
Preparation of Trading A/C; Profit and Loss A/C; Profit & Loss Appropriation Account; Balance Sheets
Ratio Analysis
Meaning of Accounting Ratios; Classification of Ratios; Uses of Accounting Ratios; Limitations of Accounting Ratios; Calculation and interpretation of various Ratios; Different Users and their Use of Ratios.
Final Accounts of Banking Companies
Definition and Functions of a Bank; Requirements of Banking Companies as to Accounts and Audit; Significant Features of Accounting Systems of Banks; Principal Books of Accounts; Preparation and Presentation of Financial Statements of Banks; CMA Format; Accounting Treatment of Specific Items; Preparation of Profit and Loss Account; Comments on Profit and Loss Account; Important Items of Balance Sheet; Disclosure Requirements of Banks; Additional Disclosures prescribed by RBI; Disclosures required under BASEL norms.
Company Accounts I & II
Definition and Types of Companies; Distinction between Partnership and Limited Liability Company; Classes of Share Capital; Issue of Shares; General Illustrations Non-Voting Shares; Form of Balance Sheet; Legal Requirements
for Assets; Legal Requirements for Liabilities; Legal Requirements for Profit & Loss A/c; Preparation of Final Accounts
Accounting in a Computerized Environment
Meaning, features of and terms used in Computerized Accounting; Difference between Computerized and Manual Accounting; Advantages and Disadvantages of Computerized Accounting; Functions performed by Computerized Accounting Softwares available in the Market; Computerization – Scope and Experiences in Banking; The Core Banking Components; Information Security; Internet and World Wide Web – Influences on Banking
MODULE D – BANKING OPERATIONS
Banking Operations & Accounting Functions
Preparation of Vouchers, cash receipt and payment entries, clearing inward and outward entries, transfer debit and credit entries, what is KYC and what are the different documents to satisfy KYC, verify KYC and authenticity of documents, operational aspects in regard to opening of all types of accounts, scrutiny of loan applications/ documents, allowing withdrawals and accounting entries involved at various stages, operational aspects of CBS environment etc., Back office operations in banks, handling of unreconciled entries in banks.
PAPER 3 – LEGAL & REGULATORY ASPECTS OF BANKING
MODULE A – REGULATIONS AND COMPLIANCE
Legal Framework of Regulation of Banks
Business of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949; Role of RBI; Govt. as a Regulator of Banks; Control over Co-operative Banks; Regulation by other Authorities.
Control over Organization of Banks
Licensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves; Shareholding in Banking Companies; Subsidiaries of Banking Companies; Board of Directors; Chairman of Banking Company; Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance; Directors and Corporate Governance.
Regulation of Banking Business
Power of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances; Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines; Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets in India.
Returns Inspection, Winding up, Mergers & Acquisitions
Annual Accounts & Balance Sheet; Audit & Auditors; Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings; Amalgamation of Banks; Winding up of Banks; Penalties for offences.
Public Sector Banks and Co-operative Banks
SBI and its Subsidiaries; Regional Rural Banks; Nationalized Banks; Application of BR Act to Public Sector Banks; Disinvestment of Shares by Govt.; Co-operative Banks
Financial Sector Legislative Reforms
Need, Approach for Financial Sector Legislative Reforms; Important Reforms
Recent Legislative Changes in RBI Act
Recent Legislative Changes in RBI Act, Need thereof
Financial Sector Development Council
Role and Functions of Financial Sector Development Council
MODULE B – LEGAL ASPECTS OF BANKING OPERATIONS
Different Types of Borrowers
Types of Borrowers; Limited Liability Partnership
Types of Credit Facilities
Cash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance
Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies
Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company
Indemnities
Definition of Contract of Indemnity; Features of Indemnity Contract & Guarantee; Scope and Application of Indemnity Contracts to Banks; Obligations of a Banker; Precaution & Rights of an Indemnity Holder
Bank Guarantees
Definition and Types of Bank Guarantees; Banker’s Duty to Honor Guarantee; Precautions to be taken for Issuance of Bank Guarantee; Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement.
Letters of Credit
General Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit; Documents under a Letter of credit; UCPDC 600; Banks obligation for payment of Letter of credit.
Deferred Payment Guarantees
Purpose of DPGs; Methods of Payment
Laws Relating to Bill Finance
Class of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker
Various Types of Securities
Types of Securities; Escrow Arrangements; Trust and Retention Arrangements.
Laws Relating to Securities and Modes of Charging – I
Mortgage; Types of Mortgage; Enforcement of Mortgages
Laws Relating to Securities and Modes of Charging – II
Lien; Pledge; Hypothecation; etc.
Registration and Satisfaction of Charges
Definition of Charge; Procedure for Registration of Charge; Effect of Non-registration of Charges; Provisions of Law relating to Registration of Charges
Case Laws on Responsibility of Paying Bank
Negotiable Instruments Act and Paying Banks; Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable
Case Laws on Responsibility of Collecting Bank
Statutory protection to Collecting Bank; Duties of Collecting Bank
MODULE C – BANKING RELATED LAWS
Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act)
Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI)
Constitutional Validity; Definitions; Regulation & Reconstruction; Enforcement of Security Interest; Central Registry; Offences & Penalties; Miscellaneous Provisions
Banking Ombudsmen Scheme
Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance
Bankers Books Evidence Act, 1891
Applicability; Definition; Important Provisions
The Legal Services Authorities Act, 1987
Lok Adalats- Organization; Jurisdiction; Disposal of Cases; Awards
The Consumer Protection Act, 1986 and CERSAI
Preamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies; Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India
The Law of Limitation
Definition; Computation of Limitation; Important Provisions in schedule to the Limitation Act
Tax Laws
Income Tax; Commodity Transaction Tax; Service Tax
Negotiable Instruments Act, 1881
Applicability; Definition; Important Provisions
Payment & Settlements Systems Act, 2007
Applicability; Definition; Important Provisions
MODULE D – COMMERCIAL LAWS WITH REFERENCE TO BANKING OPERATIONS
Indian Contract Act, 1872
Meaning and essentials of contract; Contract of Indemnity & Rights of Indemnity Holder; Contract of Guarantee; Contract of Bailment; Contract of Pledge; Contract of Agency
The Sale of Goods Act, 1930
Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of Unpaid Seller
Indian Partnership Act, 1932
Definition & Types of Partnerships; Relation of partners to one another & to third Parties; Minor admitted to benefits of partnership; Dissolution of a firm; Effect of non registration; Limited liability partnerships formation, registration, rights and liabilities of partners
Definition and features of a company
Definition & Features of a Company; Distinction between Company and Partnership
The Companies Act, 1956 (Now Companies Act, 2013)
Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of Company- Acquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding up of Companies
Foreign Exchange Management Act, 1999
Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement
Transfer of Property Act, 1882
Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court intervention; Lease of Immovable Property
The Right to Information Act, 2005
Applicability; Definition; Important Provisions
Right to Information and Obligation of Public Authorities
Obligations; Procedure; Disposal; Appeal; Orders; Penalties.
The Prevention of Money Laundering Act, 2002
Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information; Maintenance & Verifications of Records of Identity of Clients.
Information Technology Act, 2000
Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates; Penalties; Appeal.
DETAILED and UPDATED Syllabus of CAIIB
COMPULSORY PAPER – I: ADVANCED BANK MANAGEMENT
MODULE – A: Economic Analysis
The fundamentals of Economics: Scarcity and Efficiency – Microeconomics & Macroeconomics in brief – Types of economies – Market, Command and Mixed Economies – Macroeconomics: Business cycles – Money and banking – Unemployment & inflation – Interest rate determination and various types of interest rates.
Indian Economy (a) Overview of the Indian economy including recent reforms (b) Interaction between fiscal, monetary & exchange rate policies in India – Financial Markets (i) Money Market (ii) Capital Market (iii) Foreign Exchange Market – globalization and its impact – Challenges ahead – Banking & Finance – current issues
MODULE – B: Business Mathematics
Concept of time Value of Money – Net Present Value – Discounted Cash Flow – Sampling methods – presentation of data – analysis and interpretation of sample data – hypothesis testing – Time series analysis – mean/ standard deviation – co-relation – Regression – covariance and volatility – Probability distribution – Confidence interval analysis – estimating parameters of distribution – Bond valuation – duration – modified duration.
Linear programming – decision making-simulation – Statistical analysis using spreadsheets. Features of Spread sheet – Macros, pivot table, statistical and mathematical formulae.
MODULE – C: HRM in banks
Fundamentals of HRM, development of HRM in India, Relationship between HRM and HRD, Structure and functions of HRD, Role of HR professional, Human implications of organizations; training and development, attitude and soft skills development, role and impact of training, career path planning and counseling, employee behavior, theories of motivation and their practical implications, role concepts and analysis, self-development., Performance Management and appraisal systems; Reward/ punishment and compensation systems., HRM and Information Technology, information and data management, knowledge management.
MODULE – D: Credit Management
Principles of Credit Management Credit Appraisal Analyzing Financial Performance – Relationship between items in Balance Sheet and Profit and Loss Account. Trend Analysis, Comparative Statement – Common Size Statement, Preparation of projected Financial Statements. – Ratio analysis – Interpretation and analysis of different Ratios, Limitation of the use of ratios. Statement of Sources and Applications of Funds.
Structuring a Credit Proposal – Working Capital Concept and Management Appraisal techniques for different constituents – trade cycle – credit rating – Technical and economic feasibility studies – Credit Rating – Rating Methodology – Objectives and benefits of rating – Term Lending – Debt Service Coverage Ratio – Cash Flow Analysis – Cash Budget – Bill Finance – Deferred Payment Guarantee – Credit Scoring – Credit Delivery System – Documentation – Post sanction supervision, Control and monitoring of credit – Consortium finance, Multiple banking, Syndication of loans. Infrastructure financing.
Dealing with credit defaults, Stressed assets, Corporate Debt restructuring, SARFAESI, NPAs, recovery options, write-off. Disclosure of the list of defaulters: objectives and procedure. Appraisal methodology for different type of clients/ products.
COMPULSORY PAPER – II: BANK FINANCIAL MANAGEMENT
MODULE – A: International Banking
Forex Business; factors determining exchange rates, Direct and indirect quotations, spot/ forward rates, premium and discount, cross rates.
Basics of forex derivatives; forward exchange rate contracts, Options, Swaps. Correspondent banking, NRI accounts
Documentary letters of Credit – UCPDC 600, various facilities to exporters and importers. Risks in foreign trade, role of ECGC, types of insurance and guarantee covers or ECGC. Role of Exim Bank – Role of RBI and exchange control – Regulations in India, Role and rules of FEDAI – Role of FEMA and its rules
MODULE – B: Risk Management
Risk-Concept – Risk in Banks – Risk Management Framework – Organizational Structure – Risk Identification – Risk Measurement/ – Sensitivity – Basis Point Value (BPV) – Duration – Downside Potential – Value at Risk, Back Testing – Stress Testing – Risk Monitoring and Control – Risk Reporting – Market Risk identification, Measurement and management/ credit risk – rating methodology, risk weights, eligible collateral for mitigation, guarantees; credit ratings, transition matrices, default probabilities, Credit risk spreads, risk migration and credit metrics, Counterparty risk. Credit exposures, recovery rates, risk mitigation techniques, -/ Operational and integrated Risk Management – Risk management and capital Management – ‘Basel Norms – Current guidelines on risk management
MODULE – C: Treasury Management
Concepts and function; instruments in the treasury market, development of new financial products, control and supervision of treasury management, linkage of domestic operations with foreign operations.
Interest rate risk, interest rate futures, Mix/ Pricing of Assets, Liabilities – On-Balance Sheet Investment and Funding Strategies – Stock options, debt instruments, bond portfolio strategy, risk control and hedging instruments. Investments – Treasury bills, money market instruments such as CDs, CPs, IBPs Securitisation and Forfaiting; refinance and rediscounting facilities.
Derivatives – Credit Default Swaps/ Options
MODULE – D: Balance Sheet Management
Prudential norms – Capital Adequacy. Implementation of ‘Basel Norms guidelines: RBI guidelines. Banks Balance Sheet – Components of assets/ Liabilities/ ALM Implementation – RBI Guidelines – Gap Analysis – Mechanics, Assumptions, and Limitations – Illustrations of Actual Gap Reports – The Relationship Between Gap and Income Statement – Funding Liquidity – Trading/ Managing Liquidity – Contingency Funding – Business Strategies : Profit and profitability analysis, Asset Classification – provisioning – effect of NPA on profitability, Shareholder value maximization & EVA- profit planning-measures to improve profitability. Disclosure guidelines
Elective Paper – VI: RETAIL BANKING
MODULE – A: Introduction
History and definition, role within the bank operations, Applicability of retailing concepts distinction between Retail and Corporate/ Wholesale Banking
MODULE – B: Retail Products
Retail Products Overview – Customer requirements, Products development process, Liabilities and Assets Products/ Description of Liability products, Description of Asset Products, Approval process for retail loans, Credit scoring.
Important Asset Products –
Home Loans – Eligibility, Purpose, Amounts, Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection.
Auto/ Vehicle Loans – Eligibility, Purpose, Amounts, Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection.
Personal Loans Eligibility, Purpose, Amounts, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection.
Educational Loans Eligibility, Purpose, Amounts, Security, Disbursement, Moratorium, Prepayment issues, Repayments.
Credit/ Debit Cards – Credit Vs Debit Cards, Eligibility, Purpose, Amounts, Margin, Security, Process of using the cards, Billing Cycle, Credit Points.
Other Products/ Remittances/ Funds Transfer
MODULE – C: Marketing/ Selling of retail products, MIS and Accounting
Retail Strategies; Tie-up with Institutions for Personal loans/ Credit cards/ Educational loans, with OEMs/ Authorized Dealers for Auto/ Vehicle loans, and with Builders/ Developers for Home loans
Delivery Channels – Branch, Extension counters, ATMs, POS, Internet Banking, M-Banking.
Selling Process in retail products – Direct Selling Agents.
Customer Relationship Management – Role and impact of customer relationship management, Stages in customer relationship management process.
Regulations and compliance
Technology for Retail Banking – Static information, Account opening, basic loan origination data etc. Updated information like income details at different frequencies. Transaction information from disbursement till final settlement of the loan amount. Analytics/ Alerts.
Accounting entries – Loan process and the relevant accounting including EMI Computation.
MODULE – D: Other issues related to Retail Banking
Securitization, mortgage based securities.
Trends in retailing – New products like Insurance, Demat services, online/ Phone Banking, Property services, Investment advisory/ Wealth management, Reverse Mortgage – Growth of e-banking, Cross selling opportunities.
Recovery of Retail Loans – Defaults, Rescheduling, recovery process. SARAFAESI Act, DRT Act, use of Lok Adalat forum. Recovery Agents – RBI guidelines.
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