IIBF June Syllabus 2014
IIBF JAIIB May / June 2014 Syllabus - Page 2
IIBF JAIIB June 2014 Syllabus
Paper 1 – Principles & Practices of Banking
The candidates would be able to acquire knowledge in the following :
- Various functions associated with banking.
Practice and procedures relating to deposit and credit, documentation, monitoring and control.
An insight into marketing of banking services and banking technology.
Module A : Indian Financial System
- Recent developments in the Indian Financial System; market structure and Financial Innovation. RBI, SEBI, IRDA etc. their major functions.
- Role and Functions of Banks – Regulatory provisions / enactments governing Banks, Retail Banking : Approach, Products, Marketing etc.,
- Wholesale Banking; International Banking, Role and Functions of Capital Markets, Role and Functions of Mutual Funds, Role and Functions of Insurance Companies – Bank assurance.
- Importance of Risk Management in Banks types of Risk – Impact and Management Factoring & Forfeiting, Alliances / mergers / consolidation.
- ADR / GDR / Off Balance Sheet Items, Participatory Notes, Credit Information Bureau Ltd., Fair Practices for Debt Collection, Basel – II, Banking Codes and Standard Boards.
Module B : Functions of Banks
I. Deposits :
- Banker – Customer relations – Know your Customer ( KYC ) guidelines – Different Deposit Products – services rendered by Banks – Mandate and Power of Attorney;
- Banker’s lien – right of set off – garnishee order – Income tax attachment order etc.
- Payment and collection of Cheque – duties and responsibilities of paying and collecting banker – protection available to paying and collecting banker under NI Act – endorsements – forged instruments – bouncing of cheques and their implications.
- Opening of accounts for various types of customers – minors – joint account holders – HUF -
firms – companies – trusts – societies – Government and public bodies Importance of AML.
II. Credit :
Principles of lending – various credit Products / Facilities – working capital and term loans – Credit Appraisal Techniques – Approach to lending; – credit management – credit monitoring – NPA Management.
Different types of documents; Documentation Procedures; Stamping of documents Securities – Different modes of charging – types of collaterals and their characteristics Priority Sector Lending – Sectors – Targets – Issues / problems – recent developments – Financial Inclusion.
III. Agriculture / SMEs / SHGs / SSI / Tiny Sector Financing
New Products & Services – Factoring, Securitisation, Bancassurance, Mutual Funds etc. Credit Cards / Home Loans / Personal Loans / Consumer Loans – Brief outline of procedures and practices. Ancillary Services : Remittances, Safe Deposit lockers etc.
Module C : Banking Technology
Electronic Banking – Core Banking – Electronic Products Banking Technology – Distribution Channels – Teller Machines at the Bank Counters – Cash Dispensers – ATMs – Anywhere Anytime Banking – Home Banking ( Corporate and Personal ) Electronic Payment Systems.
On line Banking – Online enquiry and update facilities – Personal identification numbers and their use in conjunction with magnetic cards of both credit and debit cards, smart cards, signature storage and display by electronic means, cheque truncation, microfiche, note and coin counting devices.
Electronic funds transfer systems – plain messages ( Telex or data communication ) – structured messages ( SWIFT, etc.. ) – RTGS
Information Technology – Current Trends – Banknet, RBI net, Datanet, Nicnet, I-net, Internet, E-mail, etc. – Role and uses of technology up gradation – Global developments in Banking Technology – Information Technology in finance and service delivery Impact of Technology on Banks – Protecting the confidentiality and secrecy of data – effect on customers and service quality – Computer Audit – Information System Audit. Information System Security and Disaster Management.
Module D : Support Services – Marketing of Banking Services / Products.
Marketing Management – Meaning, Importance and Functions – Marketing of Services – Product Research & Development – Test Marketing of Bank Products – Product Life Cycle – Product Modification – New Product Development – Packaging and Branding of Bank Products – Diversification – Pricing of Bank Products and Services – Objectives, Strategies and Methods – Factors Influencing the Pricing Decisions, Importance of Pricing. Distribution – Factors Influencing – Direct and Indirect Channels of Bank Products – Physical Distribution – Channel Functions and Services – Promotion – Promotion Mix and Role of Promotion in Marketing – Marketing Information Systems.
Role of DSA / DMA in Bank Marketing – Channel Management – Selling Function in a Bank – Portfolio and Wealth Management – Tele Marketing / Mobile Phone Banking.
IIBF CAIIB Syllabus 2014
Compulsory Paper – I : Advance 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 3 (ii) Capital Market
(iii) Foreign Exchange Market – globalisation 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 behaviour, 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 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 – Organisational 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-II – 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 – II 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 – I : Central Banking
Module – A : Rationale and Functions of Central Bank
- Evolution and Functions of Central Banking : Evolutions of Theory and Practice of Central Banking, Development of Central Banks in Developed and Developing countries.
- Functions of a Central Bank : Banker to Government, Banker to Banks, Monetary policy Functions, Currency Issue and Management, Payment system function, Maintaining Internal and External values of currency, Regulation, Facilitation and supervision of Financial System, Promotional Functions to support growth and other National
objectives, Development of Financial Markets, Institutions and communication policies.
- Contemporary Issues : Desirability, Autonomy and independence, Credibility, accountability and transparency of a Central Bank, conflict with fiscal policies.
Module – B : Central banking in India
- Reserve Bank of India : Organisational evolution, Constitution and Governance, Major organizational and Functional Developments over time, Recent Developments, RBI Act.
- India Specific Issues : Banking Regulation Act, FEMA, Banking Ombudsman Scheme, Financial Sector reforms, other financial regulators and division of functions. Institutions set up by RBI; NABARD, IDBI, DFHI, IRBI, UTI.
- Glossary of Central Banking Terms.
Module – C : Monetary Policy and Credit Policy
- Monetary Policy : Objectives, Reconciling dual objectives, The Taylor Rule, Indicators of Policy, instruments of policy ( Bank Rate, OMO, CRR, SLR etc.), policy Transmission mechanism and channels, transparency of policies, Lags in policy.
- Credit Policy : Objectives, Theory and Practice, Instruments.
- An over view of Fiscal Policy : Importance of Budgets, Union Budget, State Budget, Finances of Union and State Governments, Finance Commission.
- Striking balance between inflation and growth through monetary and fiscal policies.
Module – D : Supervision and Financial Stability
- Indian Financial System : Constituents of Indian Financial Markets and their Regulation. Evolution of Bank Regulation and supervision.
- Financial Stability : Financial Development Vs Financial stability, Risks to Financial stability, Early warning signals and remedial action, Liquidity Management, Regulation and supervision of Banks, Risk Management in Banks, The Basle Norms, Prudential Norms, Effect of liberalisation and Globalisation on Financial Stability, Linkage to International Financial Stability, International standards and codes. Role of Supervisor under Basel-II.
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