INDIAN INSTITUTE OF BANKING & FINANCE(An ISO 9001 - 2008 CERTIFIED ORGANISATION) Kohinoor City, Commercial-II, Tower-1, 2nd Floor, Kirol Road, Kurla (West), Mumbai - 400 070 Web-site : www.iibf.org.in CAIIB Rules & Syllabus 2017 OBJECTIVE : CAIIB aims at providing advanced knowledge necessary for better decision making covering Treasury Management, Risk Management, Balance Sheet Management, Credit Management, International Banking, Economic Analysis etc. ELIGIBILITY : Candidates must have completed JAIIB or PART-1 of the Associate Examination, and their membership subscription should not be in arrears. SUBJECTS OF EXAMINATION : I. Compulsory Paper 1. Advanced Bank Management 2. Bank Financial Management II. Elective Papers (Candidates to choose any one of their Choice) 1. Corporate Banking 7. Human Resources Management 2. Rural Banking 8. Information Technology 3. International Banking 9. Risk Management 4. Retail Banking 10. Central Banking 5. Co-operative Banking 11. Treasury Management 6. Financial advising There is no exemption in any of the above subject/s for prior qualification/s. The Institute has introduced electives to give opportunities for candidates to specialize in the vertical of their choice. Candidates may choose the elective in the area they are currently working or in the area they would like to work in future. It is suggested that the candidates may choose the elective in the area they are currently working and later move to other elective as this will enable appropriate skills / build up for handling different banking verticals. PASSING CRITERIA : 1. Minimum marks for pass in the subject is 50 out of 100. 2. Candidates securing at least 45 marks in each subject with an aggregate of 50% marks in all subjects of examination in a single attempt will also be declared as having completed the Examination. 3. Candidates will be allowed to retain credits for the subject they have passed in a attempt till the expiry of the time limit for passing the examination as mentioned below: TIME LIMIT FOR PASSING THE EXAMINATION : 1. Candidates will be required to pass the examination within a time limit of 2 years (i.e. 4 consecutive attempts). Initially a candidate will have to pay examination fee for a block of one year (First block) i.e. for two attempts. In case if a candidate is not able to pass the examination within a time limit of one year, he can appear for a further period of one year (Second block) i.e. two attempts on payment of requisite fee. 2. Candidates not able to pass examination within stipulated time period of two years are required to re-enroll themselves afresh. Such candidates will not be granted credit/s for subject/s passed, if any, earlier. 3. Time limit of 2 years will start from the date of application for First block. Attempts will be counted irrespective of whether a candidate appears at any examination or otherwise. EXAMINATION FEES : First Block of 2 attempts `2,700/- * Second Block of 2 attempts `2,700/- * * Plus Service Tax as applicable (Reg. No. AAATT3309DSD002) MEDIUM OF EXAMINATION : Candidates are allowed to attempt the examination either in Hindi or English, and should clearly fill in their choice of medium at the time of registration of application. In any case change of medium will not be allowed at a later stage. PATTERN OF EXAMINATION : (i) Question Paper will contain 100 objective type multiple choice questions for 100 marks including questions based on case studies / case lets. The Institute may however vary the number of questions to be asked for a subject. 1 b) List of Examination centers will be available on the website. Institute conducts examination on half yearly basis. However.org. FEDAI etc. STUDY MATERIAL / COURSEWARE : The Institute has developed a courseware to cover the syllabus. besides going through other books & publications covering the subject / exam concerned etc. In other words. Candidates are advised to make full use of the courseware. there could be changes in the developments / guidelines from the date the question papers are prepared and the dates of the actual examinations.in under the menu “Exam Related” for details of book/s and address of publisher/s outlets. it has been decided that: (i) In respect of the examinations to be conducted by the Institute for the period February to July of a calendar year. instructions / guidelines issued by the regulator(s) and important developments in banking and finance up to 31st December will only be considered for the purpose of inclusion in the question papers". rules and regulations witness rapid changes. However. IRDAI. The table given below further clarifies the situation.iibf. SEBI. instructions / guidelines issued by the regulator(s) and important developments in banking and finance up to 30th June will only be considered for the purpose of inclusion in the question papers. Questions based on current developments relating to the subject / exam may also be asked. All these sources are important from the examination point of view. however periodicity of the examination may be changed depending upon the requirement of banking industry.in. BIS.(ii) The examination will be held in Online Mode only (iii) There will NOT be negative marking for wrong answers. (iv) Questions for the examination will be asked for : (i) Knowledge testing (vi) Problem solving (ii) Conceptual grasp (vii) Case analysis (iii) Analytical / logical exposition DURATION OF EXAMINATION : The duration of the examination will be of 2 hours. (ii) In respect of the examinations to be conducted by the Institute for the period August to January of a calendar year. In order to address these issues effectively. The schedule of examination and dates for registration will be published on IIBF website. Particulars Cut-off Date of Guidelines / Important Developments for Examination/s Developments for Examination/s For the examinations to be conducted by the 31st December 2016 Institute for the period February 2017 to July 2017 For the examinations to be conducted by the Institute for the period August 2017 to January 30th June 2017 2018 2 . etc. First Class with Distinction: 70% or more marks in aggregate and 60 or more marks in each subject in the FIRST PHYSICAL ATTEMPT.) “CLASS OF PASS” CRITERIA : 1. First Class : 60% or more marks in aggregate and pass in all the subjects in the FIRST PHYSICAL ATTEMPT 3.org. The courseware(book) for the subject/s will be available at outlets of publisher/s. the courseware should not be considered as the only source of information while preparing for the examinations. PERIODICITY AND EXAMINATION CENTRES : a) Examination will be conducted on pre-announced dates published on IIBF Web Site. Candidates are also to visit the websites of organizations like RBI. the candidate should not have attempted any of the subject/s pertaining to the concerned examination any time in the past and has to pass all the subject as per the passing criteria and secure prescribed marks for awarding class. Candidates are advised to go through the updates put on the IIBF website from time to time and go through Master Circulars/ Master Directions issued by RBI and publications of IIBF like IIBF Vision. as banking and finance fields are dynamic. The Institute will consider the FIRST PHYSICAL ATTEMPT of the candidate at the examination as first attempt for awarding class. Please visit IIBF website www. 2. Therefore. Bank Quest.iibf. PROCEDURE FOR APPLYING FOR EXAMINATION : Application for examination should be registered online from the Institute’s website www. Candidates re-enrolling for the examination after exhausting all permissible attempts as per the time limit rule will not be considered for awarding class. Cut-off Date of Guidelines / Important Developments for Examinations : The Institute has a practice of asking questions in each exam about the recent developments / guidelines issued by the regulator(s) in order to test if the candidates keep themselves abreast of the current developments. (Institute will conduct examination in those centers where there are 20 or more candidates. Any alterations made will be notified from time to time. Compulsory Paper . FPSB .presentation of data . DB&F and CAIIB papers to enhance the understanding of the concepts. The Institute also reserves to itself the right to vary the syllabus / rules / fee structure from time to time.co-relation . all matters falling within the realm of the subject concerned will have to be studied by the candidate as questions can be asked on all relevant matters under the subject.Challenges ahead .estimating parameters of distribution - Bond valuation .Discounted Cash Flow . Candidates appearing for the examination should particularly prepare themselves for answering questions that may be asked on the latest developments taking place under the various subject/s of the said examination although those topics may not have been specifically included in the syllabus. Candidates can access the e-learning (From Desktops and Laptops only) through our website www.current issues MODULE . On successful passing of this paper.covariance and volatility - Probability distribution . 3 . DISCLAIMER : The above said facilities of e-learning and video lectures offered to the candidates is solely at the discretion of the Institute and subject to such terms / conditions as may be deemed fit by the institute from time to time.B : Business Mathematics Concept of time Value of Money .A: Economic Analysis The fundamentals of Economics : Scarcity and Efficiency . E-LEARNING : Institute facilitates e-learning to all the JAIIB.Financial Markets (i) Money Market (ii) Capital Market (iii) Foreign Exchange Market . DB&F and CAIIB (compulsory subjects) covering 25-30 hours of lectures for each paper.Banking & Finance .modified duration. Financial Plan Construction.TUTORIAL / CONTACT PROGRAMMES : Tutorial / Contact programmes may be organized by the Institute at various centres.Unemployment & inflation .India) is the licensing authority for “Certified Financial Planner (CFP)” certification in the country. He / She then.I : ADVANCED BANK MANAGEMENT MODULE . FPSB-India has developed educational.India viz. In short.duration .Interest rate determination and various types of interest rates. As per the arrangement. ethical and disciplinary standards for financial planners in India and has been duly authorized to use the mark viz.Microeconomics & Macroeconomics in brief .mean / standard deviation .Regression .Net Present Value .org. by FPSB-USA in connection with services related to the financial planning and the certification of financial planning practitioners. Indian Economy (a) Overview of the Indian economy including recent reforms (b) Interaction between fiscal.org.iibf.in. The user id and password will be sent to all the candidates registered for the said examinations at their registered email id with the Institute.Market. For details in this regard candidates may visit Institute's website www. Candidates can access the classes (From Desktops and Laptops only) through our website www. VIDEO LECTURES : Institute facilitates video classes (pre-recorded video classes) for all the JAIIB.Types of economies .globalisation and its impact .in. monetary & exchange rate policies in India .Macroeconomics : Business cycles . to become certified.Time series analysis .Confidence interval analysis .org.org SYLLABUS : The details of the prescribed syllabus which is indicative are furnished in the booklet.iibf.iibf. Examination.Money and banking . For more details visit www. CAIIB COURSE LINKED CFP PROGRAMME : Financial Planning Standards Board India (FPSB . www. COLLABORATION BETWEEN IIBF AND FPSB-INDIA : IIBF and FPSB .in at their convenience and from their place of choice. Hence no candidate has any right / claim whatsoever against the institute by reason of any technical glitches or any shortcomings as the case may be and the decision of the institute in the event of any dispute there-under will be final and conclusive.India have entered into collaboration for creation of an enabling environment for making available world class financial planning education in the country. Experience and Ethics.India will reckon that candidate has met the CFP certification requirements. The user id and password will be sent to all the candidates registered for the said examinations at their registered email id with the Institute. However. Candidates are advised to refer to financial news papers / periodicals more particularly “IIBF VISION” and “BANK QUEST” published by the Institute.fpsbindia.org. Command and Mixed Economies .hypothesis testing .iibf. subjected to other criteria such as experience is awarded a CERTIFIED FINANCIALPLANNER License.in at their convenience and from their place of choice. Education. candidates are required to meet four initial certification requirements viz.Sampling methods .analysis and interpretation of sample data . keeping in view the professional nature of examinations. candidates who have successfully attained the CAIIB qualification from IIBF will be eligible to appear for one final paper of FPSB . Further. questions based on current developments in banking and finance may be asked. Certified Financial Planner (CFP). Business Strategies : Profit and profitability analysis. Direct and indirect quotations. Comparative Statement . Limitation of the use of ratios.Role of FEMA and its rules MODULE .Illustrations of Actual Gap Reports ./ Operational and integrated Risk Management .decision making-simulation . Credit exposures. 4 .Credit Default Swaps / Options MODULE . linkage of domestic operations with foreign operations.profit planning-measures to improve profitability. .effect of NPA on profitability. bond portfolio strategy.On-Balance Sheet Investment and Funding Strategies - Stock options. Counterparty risk. recovery options.Deferred Payment Guarantee . write-off. guarantees.Consortium finance. career path planning and counseling. transition matrices.Organisational Structure - Risk Identification .Contingency Funding . Corporate Debt restructuring. role concepts and analysis. eligible collateral for mitigation.Credit Rating . Multiple banking. spot / forward rates.Stress Testing . attitude and soft skills development. development of new financial products. interest rate futures Mix / Pricing of Assets. statistical and mathematical formulae. Basics of forex derivatives. Asset Classification . Risks in foreign trade. Compulsory Paper . refinance and rediscounting facilities.Ratio analysis . Trend Analysis. NRI accounts Documentary letters of Credit . Swaps. SARFAESI. theories of motivation and their practical implications. credit ratings. Human implications of organizations.Components of assets / Liabilities / ALM Implementation - RBI Guidelines .UCPDC 600.Macros.Risk Management Framework . Derivatives . MODULE . Options.Gap Analysis . premium and discount.D : Balance Sheet Management Prudential norms-Capital Adequacy. Relationship between HRM and HRD.Basis Point Value (BPV) . NPAs.Trading / Managing Liquidity . Structure and functions of HRD.Risk Measurement / .The Relationship Between Gap and Income Statement .Credit Delivery System - Documentation .Risk Monitoring and Control .provisioning . knowledge management. CPs. self development. Reward / punishment and compensation systems. types of insurance and guarantee covers or ECGC. Appraisal methodology for different type of clients / products.Working Capital Concept and Management Appraisal techniques for different constituents .rating methodology. Dealing with credit defaults. Implementation of ‘Basel Norms guidelines : RBI guidelines.Cash Flow Analysis . HRM and Information Technology. Infrastructure financing. cross rates.Cash Budget . development of HRM in India.Role of RBI and exchange control . factors determining exchange rates. IBPs Securitisation and Forfaiting. debt instruments.Value at Risk. Correspondent banking.credit rating . Stressed assets.. pivot table. risk mitigation techniques. role and impact of training.Linear programming . Structuring a Credit Proposal . Role of HR professional. Preparation of projected Financial Statements.Debt Service Coverage Ratio . Credit risk spreads. Performance Management and appraisal systems.C : Treasury Management Concepts and function.Current guidelines on risk management MODULE . risk control and hedging instruments.C : HRM in banks Fundamentals of HRM. instruments in the treasury market.Bill Finance .Mechanics. MODULE . recovery rates. employee behaviour. Shareholder value maximization & EVA. training and development.Statistical analysis using spreadsheets. Banks Balance Sheet . Measurement and management / credit risk . Statement of Sources and Applications of Funds..Rating Methodology . Interest rate risk. Disclosure of the list of defaulters: objectives and procedure.Treasury bills. risk migration and credit metrics. Role and rules of FEDAI .Regulations in India.Risk in Banks . role of ECGC.II : BANK FINANCIAL MANAGEMENT MODULE . risk weights.Sensitivity . Features of Spread sheet .Duration - Downside Potential .B : Risk Management Risk-Concept . information and data management. Control and monitoring of credit . money market instruments such as CDs. various facilities to exporters and importers.Risk management and capital Management – ‘Basel Norms .trade cycle .D : Credit Management Principles of Credit Management Credit Appraisal Analyzing Financial Performance - Relationship between items in Balance Sheet and Profit and Loss Account. Liabilities .Common size Statement. Role of Exim Bank . Back Testing .Post sanction supervision.Objectives and benefits of rating - Term Lending .Credit Scoring . Assumptions. Investments .Funding Liquidity .A: International Banking Forex Business. Syndication of loans. forward exchange rate contracts.Interpretation and analysis of different Ratios.Risk Reporting - Market Risk identification.Technical and economic feasibility studies . Disclosure guidelines. . default probabilities. control and supervision of treasury management. and Limitations . Reconciling dual objectives.B : Foreign Exchange Business i) Foreign Exchange Management Act (FEMA) and its philosophy ii) Different types of Exchange Rates iii) RBI and FEDAI : their role in regulating Foreign Exchange Business of Banks / other Authorised Dealers. India Specific Issues : Banking Regulation Act.Bank Banking v) Investment Banking. Module . An over view of Fiscal Policy : Importance of Budgets. The Basle Norms. Risk Management in Banks. Banker to Banks. Constitution and Governance. Monetary policy Functions. 3. dealing room activities and risk management principles. Liquidity Management. IFC. The Taylor Rule. Finance Commission. v) NRI customers and various banking and investment products available to them under FEMA. 2. 3. iii) Profitability of International Banking operations iv) Correspondent Banking and inter .I : CENTRAL BANKING Module . Wholesale Banking. Reserve Bank of India : Organisational evolution. 2. Evolution of Bank Regulation and supervision. Payment system function. DFHI. instruments of policy (Bank Rate. Major organizational and Functional Developments over time. Prudential Norms. RBIAct.Elective Paper . transparency of policies.A: Rationale and Functions of Central Bank 1. SEZs. ECCBs and other types of Bonds etc. Module . Striking balance between inflation and growth through monetary and fiscal policies. Module . Finances of Union and State Governments. Credit Policy : Objectives. Development of Financial Markets. IBRD.A: International Banking and Finance 1) International Banking i) Global Trends and developments in International Banking ii) International Financial Centres. Functions of a Central Bank : Banker to Government. CRR. Monetary Policy : Objectives. OMO. policy Transmission mechanism and channels. Development of Central Banks in Developed and Developing countries. conflict with fiscal policies. Lags in policy. Glossary of Central Banking Terms. Retail Banking. IRBI. State Budget. 5 . Joint ventures abroad by Indian Corporates. Financial Sector reforms. Effect of liberalisation and Globalisation on Financial Stability. ADRs. Regulation and supervision of Banks. Instruments. Risks to Financial stability. International standards and codes. UTI. Institutions set up by RBI. NABARD.II : INTERNATIONAL BANKING Module . Promotional Functions to support growth and other National objectives. 2. Union Budget. SLR etc. including correspondent Bank arrangements. Merchant Banking vi) International Financial Institutions : IMF. Financial Stability : Financial Development Vs Financial stability.). Offshore Banking Units.C : Monetary Policy and Credit Policy 1. v) Financing of mergers and acquisitions Module . Maintaining Internal and External values of currency.D : Supervision and Financial Stability 1. documentation and Monitoring ii) International Credit Policy Agencies and Global Capital Markets iii) Raising resources : Availability features and risks of various Equity and debt products like ECBs. Linkage to International Financial Stability. other financial regulators and division of functions. Early warning signals and remedial action. Recent Developments. iv) Rules regarding rate structure. BIS. ADB vii) Legal and regulatory aspects viii) Risk Management 2) International Finance i) Fundamental Principles of Lending to MNCs. accountability and transparency of a Central Bank. Facilitation and supervision of Financial System. Indicators of Policy. Syndication of loans iv) Project and infrastructure Finance : Investments both in India (FII & FDI) and abroad. Regulation.B : Central banking in India 1. cover operations. 3. Role of Supervisor under Basel Norms. Autonomy and independence. FEMA. 2. Indian Financial System : Constituents of Indian Financial Markets and their Regulation. Credibility. Evolution and Functions of Central Banking : Evolutions of Theory and Practice of Central Banking. Institutions and communication policies. Investment opportunities abroad for resident Indians. Currency Issue and Management. Contemporary Issues : Desirability. 4. Banking Ombudsman Scheme. Elective Paper . Theory and Practice. IDBI. Govt. Economic life of rural people. vi) Remittance facilities Module . rural indebtedness. various types of LCs. etc. Social forestry. Term loans for irrigation. Exchange risk. role of rating agencies and rating methodology. nutrition and education. Financing allied agriculture activities like Horticulture. Co-operative Credit Societies and Banks. Pricing issues. Cluster based approach and joint finance with SIDBI.main causes and methods of measuring rural poverty. NIAct. occupation. Customs procedures. Indian stamp Act. Project funding techniques and requirement assessment.B : Financing Rural Development Regulation of Rural Financial Services. Marketing issues. EXIM policy.its impact iii) Balance of payment. balance of trade. UCP 600. Godowns / cold-storage facilities etc. Population. Risk rating of SME proposals. Stressed assets under rehabilitation. Banks' role in implementing these policies and schemes ii) WTO. Resources and technical changes in agriculture. including EXIM Bank. Definition of SME . constraints to agriculture development. legal risk etc. Role of agriculture in economic development. Rural Credit Institutions. health. v) Role of Banks in foreign Trade vi) Letters of credit. CGTMSE. State level and District level Credit committees.urban migration. Role of Development and Promotional Institutions in RNFS SME Finance. iv) Documents used in Trade : bill of exchange. Lead bank approach. Disbursement. Financing of SME and small enterprise Refinance from SIDBI.rural social stratification.A: Rural India Demographic features. 6 . Currency risk. Caste and power structure . Economic Features. Airways bill.C : International Trade 1) Regulations covering international trade i) Various Aspects of International Trade. importance in international trade. Module . Returns required to be submitted to RBI 2) mport / Export Finance i) Laws governing trade finance viz. Crop Loans-Assessment. Debt restructuring mechanism for SMEs. rural insurance micro insurance scheme. 3. Rural Development Policy. Financing agriculture / allied activities. Development issues.III : RURAL BANKING Module . Module . Forfaiting and Factoring iii) Risks involved in foreign trade finance : Country risk.D : Derivatives 1. Agriculture Economy. Importance of RNFS. refinance support. Markets and other services. RBI / FEDAI guidelines ii) Role of Banks. Characteristics of Rural Society. Role of ECGC. RBI rules and guidelines regarding derivatives 4. Insurance policy etc. concept of Business Facilitators and Business Correspondents in rural financing. Risk assessment of derivatives. Land Development Banks. Sanction. Economic reforms and its impact on rural economy. various facilities to Exporters and importers including project finance. Working capital assessment of SMEs. FEMA. Revival of sick units. agriculture-industry linkages. Farm mechanization. role.Importance to Indian economy. . DGFT and their schemes. revival package and implementation. Fisheries. Role of Information and communication technologies in rural banking-Models. settlement of disputes. invoice. Lessons from recent crisis in derivatives market. Transport. vii) Exchange control relating to foreign trade. Financial inclusion & inclusive growth for rural development banking. rural money markets. Management Issues. Regional Rural Banks. Treasury operations of banks and corporates 2. Bill of lading. rephasement. Structure and characteristics of Indian agriculture. literacy. Derivatives as hedging instruments. NABARD-Main functions. Rural infrastructure. INCOTERMS.MSMED Act 2006. rural poverty . Commercial Banks. Segments in RNFS. Rural Issues. socio-economic development indicators. policies and programmes for rural farm and non-farm sectors. Elective Paper . types of instruments available in Indian Market. Mathematics of derivative valuation and pricing 5. share in National income -Trends in per capita income. Government policies. Finance against Warehouse / cold storage receipts Financing Rural Non-Farm Sector (RNFS). in financing Foreign Trade. Power. Current account and capital account convertibility. Emerging issues in Indian Agriculture. Function and policies of RBI in Rural Banking. Asset allocation towards a financial plan.C : FINANCIAL INVESTMENT PRODUCTS Financial investment products . capital / Revenue receipts / expenditure. Salary Payment. overview of current state of Investment Banking in India. Divestitures : Identification. Depository & investment process. salaries. Asset Allocation. MODULE . income from other sources. RBI guidelines. Content of a comprehensive financial plan. working with clients. Banking products. Government initiatives. Trusteeship.IV : FINANCIAL ADVISING MODULE . Good practices in financial planning. Corporate Deposits : Importance of Institutional deposits vis-a-vis retail deposits. fundamental and technical analysis-basic philosophies and underlying assumptions .B : Investment Banking 1) Meaning and scope of Investment Banking. Business advisory. Fundamental investment concepts. The Time Value of Money. SEBI etc. understanding and meeting client's needs through financial planning. Permissible deductions from gross total income . MODULE . Implementation. Insurance products. evolution of financial planning as a profession. Investment Timing. Risk-Reward Trade-Off. Agriculture income.V : CORPORATE BANKING MODULE . Fundamental Investment concepts. Mutual fund industry- products & services. income from house property. Commodities Market. Financial counseling. Efficient markets. Attending and Listening skills. Counselor leading responses. etc. profits and gains of business or profession. Will. MODULE . Custodial services. Basic communication principles. income tax return.Module . tax deducted at source.B : FINANCIAL PLANNING Financial Planning. understanding investor's risk appetite. Businessman. Corporate Debt Restructuring. Self Help Groups / NGOs. Secondary market. Role of Regulators viz. Educational loans Module . problems and deficiencies.Securities traded in debt market. Income exempt from tax.D : TAXATION Income Tax law. Emerging trends in rural banking-financing poor as bankable opportunity. Tax triggered investments Estate Planning. latest guidelines of GOI and RBI. Asset allocation the strategic tool . Poverty alleviation programmes / Employment programmes / Production oriented programmes-rationale and philosophy. Elective Paper . Forex Management.Primary market. Management. 2) Merchant Banking : Advisory services for equity / debt issues. gathering initial / additional information from the client. Off shore services. Recommending financial planning strategies to investors. Securities markets .Essentials in financial counseling. Capital gains. their refinance. Using stop loss. Diversification -Spreading Risk.Portfolio analysis & selection. Indian debt markets . linkages with banking.What Are They and Who Uses Them? MODULE . Tax planning strategies. Fund and Non fund based limits and Import- Export finance. arranging finances etc. Total income. participants in the Indian finance system. Assessee. progress and impact. Marketing of financial services. ongoing Service. Tax planning through wills and trusts. Trade services.. Asset classes. Passing of an asset. Cash generation and return on investment. meeting the client's objectives. placement and distribution of equity / debt.Selection of Investment and Insurance Products. Retirement planning and taxation. Heads of income viz.C : Priority Sector Financing and Govt initiatives Components of priority sector. Statutory provisions regarding starting of business / industrial units by NRIs / MNCs. Problems of Rural branches of Commercial banks .transaction costs and risk costs. Elements of non-verbal behavior. Elective Paper . Negotiation and Execution. Direct Investment .Bond and Money markets. various services provided viz. Administration of an estate. Profile of effective counselor. persons having income from more than one source. Taxation of Terminal benefits.D: Problems and prospects in Rural Banking Role of rural banking. Evolution. Micro Credit.. Salaried person.A: Corporate Banking and Finance Corporate Banking : Meaning and importance. Indian economic and social environment. Debt Management. important definitions-person. Role of a Financial planner. understanding market behaviour. Technology based Financial Inclusion. Structuring. Gross total income. regulatory framework.House wife. Rural housing and Urban housing schemes under priority sector.A: Introduction to Financial Advising Indian financial and investment industry. Corporate Finance : Working capital finance. Pension products. Factoring and Forfaiting. Investment in Real estate. Cash Management. 7 . 3) Mergers and Acquisitions. residential status. RBI. Disbursement. DRT Act. Repayments / Collection. role within the bank operations. Amounts. Selling Process in retail products-Direct Selling Agents Customer Relationship Management . Amounts. Billing Cycle.Infrastructure financing cash flow deal agreement with parties involved . Amounts. Amounts. Security.Market Analysis : International competitiveness and SWOT analysis - Assessing the project cost . Property services. Elective Paper .C : Project and Infrastructure Finance Characteristics of Project Finance . Repayments / Collection. Liabilities and Assets Products / Description of Liability products. Moratorium.Credit Management Loans and advances - Priority sector lending .Eligibility. ATMs. Prepayment issues.Role and impact of customer relationship management. Moratorium.Network techniques for project implementation - Disbursement. Applicability of retailing concepts distinction between Retail and Corporate / Wholesale Banking MODULE . Amounts. Personal Loans Eligibility. Disbursement. Security. Rescheduling. Prepayment issues.VI : RETAIL BANKING MODULE .Technology selection.Project planning . 2002-The Consumer Protection Act.Provisions of Bankers Book Evidence Act . and with Builders / Developers for Home loans Delivery Channels . Recovery of Retail Loans .Legal aspects of banking operations . Assessment of technical collaborator .New products like Insurance. Analytics / Alerts. Credit & Investment Management Different Deposit Products . Updated information like income details at different frequencies.Customer requirements. Security.A : Principles and Laws of co-operative Banking Law and rules relating to Co-op Banks Principles of Co-operation .Monitoring and follow-up of the project Elective Paper .D : Other issues related to Retail Banking Securitisation. Scenario analysis and Internal Rate of Return. Prepayment issues.Static information. Accounting entries . Disbursement.Risk mitigation methodologies in projects . Products development process. Purpose. Recovery Agents .B : Retail Products Retail Products Overview . basic loan origination data etc.C : Marketing / Selling of retail products.Eligibility.Growth of e-banking.RBI guidelines. recovery process. Approval process for retail loans. Decision tree.4) Corporate advisory services : Capital restructuring. Eligibility. Margin. Description of Asset Products. Purpose.Personal Finance . Purpose.Defaults.Financial Analysis : Break- even point analysis. Regulations and compliance Technology for Retail Banking .MSME financing . Moratorium.Deposit Policy . Extension counters. supervision and follow up of project by lender . Internet Banking. SARAFAESI Act. Purpose.brief overview of structure of co-operative credit institutions - Membership .Loan process and the relevant accounting including EMI Computation. 1986 . Educational Loans Eligibility.Securitisation as a tool for risk mitigation .Customer relations - 8 . mortgage based securities. Private equity and Venture capital. Process of using the cards. MIS and Accounting Retail Strategies.Estimation of project cash flows - Use of free and equity cash flow valuation for assessing projects . Account opening. with OEMs / Authorised Dealers for Auto / Vehicle loans. Repayments / Collection.Credit Vs Debit Cards. Tie-up with Institutions for Personal loans / Credit cards / Educational loans. Cross selling opportunities. use of Lok Adalat forum. Credit / Debit Cards . Reverse Mortgage . Sensitivity analysis Common risks in projects . Credit scoring. Other Products / Remittances / Funds Transfer MODULE . Stages in customer relationship management process. POS.Special features of Recovery of Debts Due to Banks and Financial Institutions Act. Security.Branch. Auto / Vehicle Loans . Project advisory. Investment advisory / Wealth management. Credit Points. Moratorium. Demat services. Prepayment issues. Repayments. online / Phone Banking. Margin. MODULE . Disbursement.Banker .SPV . Loan Syndication etc. Important Asset Products - Home Loans . MODULE . Security. Trends in retailing .Means of financing projects . 1993 -Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act. Transaction information from disbursement till final settlement of the loan amount.Banking Ombudsman MODULE .VII : CO-OPERATIVE BANKING MODULE . Margin. Purpose.A: Introduction History and definition.B : Co-operative Banking Operations Deposits.Banking related laws . M-Banking. Execution of strategy : Role of CEO. Employee Behaviour.Role of R. dealing with attrition. Steps for effective communication in the organisation 3) Manpower Planning. Changing face of Banking. Human Response . Conflict of new initiatives with work culture and capacity. Executive team. Group Problem Solving and effectiveness. Person . 4) Performance Management and Appraisal Systems : Performance Appraisal System. Recruitment Vs Outsourcing : Concept and Feasibility of Outsourcing. Policies and Practices. Compensation. Management of conflict between Training and operations due to manpower constraints. Responsibility Charting. Need for Knowledge Management Officer.the job training. Relationship between Sustainable strategic success and performance of the organization. Linkage with Educational Institutions.B : Building an HR strategy 1) Strategy Formulation and implementation. Elective Paper .Approach of Banks to profitability - Effects of NPAon profitability . Structure and Functions. Banks) . Career Path Planning and Counseling. Role in the Banks.Role of Directors and Corporate Governance Best Practices - Management Information System. Information and Database Management. 2) Behavioural Dynamics in organizations.Financial Markets . Development of HRM in India. advantages.B.Bancassurance . New insights into HR Management and contemporary issues. HRM and Information Technology. Selection.Electronic Payment systems / core banking solutions . subject matters of Training.Investment Management .Foreign Exchange Market . HRD Audit. Future of Bank Education. Key Performance Areas (KPA) Module . Training infrastructure in Banks.Call money . Role of Change Agent and Managing Change. Loan Policy . Reward and Incentive schemes.guidelines of RBI / NABARD in regard to investment .C : Technology. outsourcing of Training. Core Banking and HR challenges. job rotation. Quality Circles. Training measurement and impact. Weaker section lending. -Supervision and control . Advance. 360 degree performance Appraisal. Policies and Practices : Fundamentals of HRM.Implications of benchmarking. Employee Development strategies and Techniques. Major HRM challenges facing Banks.A: Human Resources Management 1) Concepts.Repos and Reverse Repos . Module .VIII : HUMAN RESOURCES MANAGEMENT Module .Debt market . ISO 9000 Series and other techniques for Organizational improvement and Management of Service Industry. Recruitment. TQM. Learning and instructions. Developing competencies through e-learning. incentive system linked to productivity.I.CRR / SLR Management . set-off and appropriation - Indemnities and Bank Guarantees. Learning Processes. Need for a distinctive HR strategy. Formulating the strategy. 5) Knowledge management in Banks. BPR. Development of soft skills and communications. Effectiveness of HRD.Risk Management . Role and impact of training. On .RTGS . 3) Organizational Change and Development.B. Priority sector lending. Role of P A S. Leadership and Team building. virtual learning and self directed learning. Training and Skill Development 1) Human implications of Organisations. 9 .Profit and Profitability . Group Dynamics. Emerging Trends.D : Supervisory and Regulatory aspects Banking Regulation Act (As applicable to Co-op.A profitability Model MODULE.Management of NPA . Preparation and updation of Manuals and job cards. and line Managers. 2) Organizational Communication. Identification of Training Needs. Motivational strategies.C : Motivation.Meaning and Scope of Investment Policy MODULE. guidelines on Deposits.Branch licensing-Inspection / audit-Statutory / Reserve requirements - R. Competency Mapping. Risk management Technology Banking .Garnishee orders and Attachment orders. Placement and Promotion. Management of transformation.Exposure limits-Asset Liability Management - Capital Adequacy – Basel Norms . 3) Training Methodology. Appraisal Vs Feedback. Control Returns . disadvantages and constraints. Role of HRD professional. Expectations from HR Department. job enrichment. aligning HR Systems with decision framework. Conditions for Optimal Success. Change Management. connecting strategy to organization.Job Fit. Best HR practices in banks. Attitude development.Recommendations of Marathe Committee. Succession Planning. 4) HRM in Banks : Traditional Role of Human Resources Department in Banks. Relationship between HRM and HRD. Importance of Human Capital. Six Sigma and its implication in organizational development. Barriers to Communications. Bankers' right of lien.I.Electronic funds transfer systems . 2) Training and Development. Theories of Motivation and their practical implications.Money Market . Madhav Rao Committee and Vaidyanathan committee . IP Address Mechanisms. Malwares. Equipment & Data Communication: Computer Networks : Network Layers. Data Backups / Restoration. Software Project Management.) Web Browsers (IE 7. I/Os. Mobile Banking. Discipline Management including Domestic Enquiry. 10 . Phone Banking. Trojan horse. MySQL) Application Servers (Oracle 10AS. Network Racks. Digital Signature. Computer Networks. Need for a vigilance Dept in Banks. Software bombs. Experience of Employee Participation in Indian banking industry. Dealing with the cases of Sexual harassment. Spamming. Data Warehousing . NIDS. Elective Paper . Data Downloads / Uploads. Leased Lines. Protocols. Employee Welfare. Application Server and Application Administration.DSS. Semantic Data modeling Normalization (from 1st to 3rd and BCNF. Power Builder.Secure Electronic Transfer (SET). Industrial Relations and Negotiations in the Indian Banking Industry. Frauds in Banks. Internet Banking. Spoofing. 3 Tier Architecture. Patch Panel. SQL etc. In-house / Outsourcing. Policies and Schemes. N-Tier Architecture etc. Credit / Debit Cards. 2) Grievance Redressal and Discipline. Service . Controls and Guidelines Threats to Information System : i) Physical (Insiders / outsiders) ii) Viruses. Bipartite Settlements in Banking. Worms. Cobol). C++. SMS alerts E-Commerce . VLAN. C# and JAVA etc. IPS Module . Conflict Management and Resolution. Twisted Pair. Wi Fi.) and 4th Generation Languages (Clipper. Bridges. Algol. Non-repudiation of Origin. Fibre Optics). Network / Security Equipments: Modems. Digital Certificate. Mechanism and Processes.C : Applications in Banking Centralized Banking System / Core Banking System / System Administration. WAN. EIS. Sun Solaris. MS SQL-2005.B : Systems and Design Systems Design & Analysis(Data modeling. Jack Panels.Data Mining tools MIS and Organization Support Systems . ISPS. Payment Gateways (Credit card / Debit cards). Connectors. 3) Workers' Participation in Management. Hosting. Apachi etc.0.Various phases of SDLC. EFTPOS. 2nd Generation (Fortran. Hubs. Generic Data Modeling. Groupware and Multimedia Business Intelligence . HIDS.Level Agreement Module .CCA. Custom built Software etc. 4th & 5th level of normalization) Software Development Life Cycle (SDLC) .ATM.) and 5th Generation Languages (Logic Programming Languages) Database Management System and Relational Database Management Systems (Oracle10g. WebSheare ) Web Servers (IIS.1st Generation Languages (Assembly). Collective Bargaining Concepts. Wi Max.D : Personnel Management and Industrial Relations 1) The personnel functions : Legal aspects of personnel functions. Internet.Software : (S / W) System Software : Operating Systems (Desktop OS / Server OS) Windows (Desktop / Server) / UNIX (H. Entity Relationships. Band widths. Unix. Role of Management and Functions. System Architecture : Clients (Hardware / Software)..IX : INFORMATION TECHNOLOGY Module .Module .Expert Systems. Data Storage Devices. 3rd Generation (C. VPNS. Routers. ISDN. Intranet. denial of service attacks etc.) Application Software : Packaged Software. Artificial Neural Networks (ANN) Grid Computing.A: Introduction to Information Technology Impact of IT on Banking : Changing Financial Environment and IT as a Strategic Response Hardware (H / W) . Diversity and Gender Issues. Smart Cards E-Mails. RA. Network Equipments : Cables (BNC. GDSS. Network Administration. Firewalls. Data Communication : CLL. IBMAIX) Computer Languages . P. PKI . Linux. Firefox etc. Switches. CA. Satellite Links. Domains. Data Centre. LAN. BeWeblogic. Virtualization and Consolidation. Topologies. Precautions and Controls. Non- repudiation of Receipt. Phishing. Servers (Hardware / Software). Risks attached to Delegation of Financial Powers. Computer Aided Software Engineering (CASE) Tools. trade unionism and Industrial Relations. Disaster Recovery Centre Delivery Channels . MPLS. Database Administration. Extranet. Client Server Architecture.D : Security. Module . SMS Banking. Authentication of payments etc. Capital adequacy norms . data base. controls. Risk analysis 3. Duration analysis. SLAs.. Revaluation : Mark to market and profit calculations. Capacity planning & monitoring. checks and balances . IS Audit. System resiliency tools and techniques . ALM organization . Components of multi-currency balance sheet Module . Prudential norms . IT Act 2000. Risk immunization policy / strategy for fixing exposure limits .Information System Security Measures. Treasury and investment policy . Basel guidelines for E-banking. Risk management / mitigation policy . Accounting. operational risk. emergency in configuration of production systems.CRR / CCIL / RTGS .C : Treasury & International Banking . Exchange rate mechanism . Key risks-Credit risk. Simulation. ALCO techniques / tools . ISO. software. ALM Concept .X : Treasury Management Module . Regulation and compliance C. sources and deployment .D : Risk Management . elimination of single point of failure. Objectives of Treasury . Risk exposure analysis . Operations management . Functions of a Treasurer . legal risk. Forwards 11 . Role of information technology in treasury management B. Financial markets 2. Systems performance monitoring process tools.A: An overview a) Risk definition / policies . BCP / DRP. IS4477. system specifications. Incident & problem management practices. IT Service Delivery & Support : Service level management practices. network services management. Concept of Mid office . Global scenario and treasury operations . Linear and other statistical methods of control c) Risk measurement & Control . moral and ethical codes. Internal control. Change management processes / scheduled. Liquidity Management .XI : Risk Management Module .work load scheduling. 17799. interest rate risk and currency risk b) Asset Liability Management . Structure and organization . valuation and exposure norms A. Exposure norms .A: An overview 1. Back office and Mid office . Policy.B : Treasury operations 1. Dealing and trading operations : control and orderly conduct. Preventive maintenance. Objectives. techniques. Risk Process-Risk Organization . Treasury instruments Module . Gap. BS7799. Responsibility of a Treasurer Module . Internal & External audit Elective Paper . Calculation .fault tolerance. integrated treasury. VaR (Value at risk) . application of patches. Netting 2. liquidity risk. Capital adequacy norms d) Risk management . releases etc. Cost centre / Profit centre. Drafting of RFP. Treasury . Risk adjusted return on capital . Elective Paper . Various RBI Committee Reports on Information Systems. Functionality of hardware. Risk management policy and procedure . clustering. Structure : Front office. market risk. Planning & control. Strategies and Arbitrage opportunities . Liquidity risk .D : Market risk . control / mitigation of pperational risks .linkages to . Regulatory prescriptions of risk management Module . Introduction. c. On clicking fresh edit profile password will be sent to their registered email id. Basel Norms . Introduction to structured products Module . Credit rating / credit scoring and rating system design . d. Inter . Admit letter of all eligible candidates will be emailed to the candidates in their email id registered with the Institute. Three pillars of Basel Norms and Capital for Operational risk . SPOR .Treasury . qualifying criteria for banks for the adoption of the methods . Risk Management Policy . methodology. Frame work for risk management . Methods for estimating capital requirements . . iii.advanced approach . Credit Bureaus .iibf. RBI guidelines . RBI guidelines on risk management . Capital allocation for operational risk.org. Introduction . Basel Norms .VaR Module .policy requirements and strategic approach for ORM . Sound Principles of Operational Risk Management (SPOR) .E : Risk Organization and Policy . Credit . ALCO IMPORTANT RULES / INFORMATION FOR CANDIDATES 1. foreign exchange risk . Interest rate risk . b. If candidates do not remember their Edit profile password. 1 week before the examination date. Candidates are required to produce printed copy of admit letter along with Membership identity card or any other valid photo ID card (Aadhaar card / 12 .standardized approach . For downloading and printing of admit letter from the above mentioned website.organizational set up and key responsibilities of ORM .C : Operational Risk . Credit risk .in under the menu 'Exam Related'. Credit risk . measurement. Futures . Computation of capital charge for operational risk Module . Prescriptions of Basel Norms . Likely forms of operational risk and causes for significant increase in operational risk . Options . 10 days before the examination date. Introduction and definition . Commodity risk . Admit letter of all eligible candidates will be hosted on Institute's website www. Membership or registration number as login id ii. ADMIT LETTER OF EXAMINATIONS : a. Internal Capital Adequacy Assessment Process (ICAAP) . SPOR identification. Stress test and sensitivity analysis . candidates will have to enter the following: i.B : Credit Risk Management . Price risk (Equity) . SPOR . Treatment of market risk under Basel a) Standardized duration method b) Internal measurement approach . Edit profile password. they have to click on the 'Forgot password / Get Password' button after entering the Membership or Registration number. Risk rating and risk pricing . b. g. The calculator can be of any type up to 6 functions. Take-up the examination at other venue arranged by the examination conducting authority. Mobile phones and other electronic / smart gadgets (except calculator as permissible) are not allowed in the examination hall. ii. Consolidated mark sheet for candidates completing examination having more than one subject. This password should not be disclosed to others. Wait till resumption of power supply / solving of technical snag. 5. It is clarified that mere possession of mobile phone and other electronic / smart gadgets in the examination hall whether in switch off mode or silent mode shall also be deemed to be resorting to adoption of unfair means in the examination. Mobile Phones a. will be available on the Institute's website after the declaration 13 . stencils etc. 4. it will be considered to be an act of misconduct and he/she will be liable for punishment. e. d. If the examination could not commence on scheduled time or there is delay due to Failure of power. Candidates are required to strictly follow all the instructions given by the examination conducting authority during the examination and adhere to Rules of the examination. Rules. Result Advice / Consolidated Marksheet / Final Certificate a. Candidates will be allowed to use battery operated portable calculator in the examination. f. 6. PLEASE REFER INSTITUTE'S WEBSITE UNDER THE MENU “EXAM RELATED” FOR DETAILS OF DEBARMENT PERIOD FOR UNFAIR PRACTICES ADOPTED BY CANDIDATES DURING CONDUCT OF INSTITUTE'S EXAMINATIONS. f. Penalities for Misconduct / Unfair Practices : a. which can be downloaded by the candidates. 12 digits. Candidates would be able to login to the system only with the password mentioned in this Admit Letter. Copying answers from other candidates / other printed / Electronic material or permitting others to copy or consultation of any kind will attract the rules relating to unfair practices in the examination. d. Other Rules / Information a.) at the examination venue. No candidate shall impersonate others or allow others to impersonate himself / herself at the examination. periodicals. which will also be reported to the employer of the candidate. in the examination hall at the time of examination / or use mathematical tables. Candidates should ensure that they sign the Attendance Sheet. etc. b. Candidates have to compulsory return any papers given including that given for rough work to invigilator. 2. b. b. candidates have to :- i. during the examination. Result Advice of candidates will be hosted on Institute's website on declaration of result. misuse of the Admit Letter will be considered to be an act of serious misconduct and the Institute will take action as per the Rules of the examination. iii. c. No candidate will be permitted to enter the Examination Venue / hall after expiry of 15 minutes and to leave the hall in the first 30 minutes from the scheduled commencement of the examination. Attempt to use any other type of calculator not complying with the specifications indicated above or having more features than mentioned above shall tantamount to use of unfair means. Employer's card / PAN Card / Driving License / Election voter's card / Passport etc. Candidates are advised to reach the Examination Venue at least 30 minutes before commencement of the examination. candidates will be denied permission to write Examination. Follow instructions given by the examination conducting authority. Communication of any sort between candidates or with outsiders is not permitted and complete silence should be maintained during the examination. e. In the absence of printed copy of Admit Letter and Photo Identity Card. If any candidate violates any of the above rules. e. Keep it safe to avoid the possible misuse. Use of calculator a. notes. slide rules. Violation of any of the Rules / Instructions. c. Candidates should not possess and / or use books. Technical snag of whatsoever nature or for any such reason having bearing upon the conduct of examination. No candidate shall misbehave / argue with the Examination Conducting Authorities at the centre. 3. Scientific calculator is not allowed. in E-mail : [email protected]
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