CAIIB Syllabus 2024, Check Revised Syllabus

Post Name :  CAIIB Syllabus 2024, Check Revised Syllabus
Post Date :   31 January , 2024
Post Description : The Indian Institute of Banking and Finance (IIBF) has defined the syllabus for the Certified Associate of Indian Institute of Bankers (CAIIB) Course. The CAIIB syllabus has been recently updated to make the course more relevant and to emphasize a deeper understanding of concepts. The revised CAIIB syllabus became effective for the June 2023 CAIIB Exam. Since the syllabus is a crucial resource for preparing effectively for the examination, we will now provide a detailed breakdown of the CAIIB Syllabus for 2023, module by module.

CAIIB Revised Syllabus 2023

The updated CAIIB Syllabus for 2023 was officially released on the IIBF website, and it applies starting from the June 2023 session. The CAIIB Revised Syllabus includes four compulsory subjects and five elective papers. Among the five elective papers, candidates can choose one according to their preference. Here’s a breakdown of the CAIIB Compulsory and Elective Subjects:

CAIIB Syllabus: CAIIB Compulsory Subjects:

  1. Paper 1: Advanced Bank Management (ABM)
  2. Paper 2: Bank Financial Management (BFM)
  3. Paper 3: Advanced Business and Financial Management (ABFM)
  4. Paper 4: Banking Regulations and Business Laws (BRBL)

CAIIB Syllabus: CAIIB Elective Subjects:

  1. Rural Banking
  2. Human Resources Management
  3. Risk Management
  4. Central Banking
  5. Information Technology and Digital Banking

These subjects form the core of the CAIIB course, and candidates can select one elective subject that aligns with their interests and career goals.

CAIIB Syllabus 2023 Highlights

The CAIIB exam is conducted by the Indian Institute of Banking and Finance and is designed for the promotion of banking employees who have already cleared the JAIIB (Junior Associate of Indian Institute of Banking and Finance) exam.

Success in the CAIIB exam offers benefits to bankers, including additional increments at each scale of their career. Below, you’ll find a summarized overview of the CAIIB Examination.

CAIIB Syllabus 2023 Highlights
Conducting Body Indian Institute of Banking and Finance
Exam Name CAIIB 2023
Category Syllabus
Exam Level National Level
Mode of Exam Online
Types of Questions Multiple Choice Type
Number of Papers 5 Papers
No. of Questions 100 each paper
Official Website

Updated CAIIB Syllabus 2023: Compulsory Papers

In the previous CAIIB curriculum, there were only two compulsory subjects. However, with the introduction of the updated CAIIB Syllabus, the number of compulsory subjects has been increased to four. The two newly added papers in this revised syllabus are Advanced Business and Financial Management (ABFM) and Banking Regulations and Business Laws (BRBL).

CAIIB Syllabus Paper 1: Advanced Bank Management(ABM)

CAIIB Syllabus Paper 1 Module A: Statistics

1. Definition of Statistics, Importance & Limitations & Data Collection, Classification & Tabulation:

  • Importance of Statistics
  • Functions of Statistics
  • Limitations or Demerits of Statistics
  • Definitions
  • Collection of Data
  • Classification and Tabulation
  • Frequency Distribution

2. Sampling Techniques:

  • Random Sampling
  • Sampling Distributions
  • Sampling from Normal Populations
  • Sampling from Non-Normal Populations
  • Central Limit Theorem
  • Finite Population Multiplier

3. Measures of Central Tendency & Dispersion, Skewness, Kurtosis:

  • Arithmetic Mean
  • Combined Arithmetic Mean
  • Geometric Mean
  • Harmonic Mean
  • Median and Quartiles
  • Mode
  • Introduction to Measures of Dispersion
  • Range and Coefficient of Range
  • Quartile Deviation and Coefficient of Quartile Deviation
  • Standard Deviation and Coefficient of Variation
  • Skewness and Kurtosis

4. Correlation and Regression:

  • Scatter Diagrams
  • Correlation
  • Regression
  • Standard Error of Estimate

5. Time Series:

  • Variations in Time Series
  • Trend Analysis
  • Cyclical Variation
  • Seasonal Variation
  • Irregular Variation
  • Forecasting Techniques

6. Theory of Probability:

  • Mathematical Definition of Probability
  • Conditional Probability
  • Random Variable
  • Probability Distribution of Random Variable
  • Expectation and Standard Deviation
  • Binomial Distribution
  • Poisson Distribution
  • Normal Distribution
  • Credit Risk
  • Value at Risk
  • Option Valuation

7. Estimation:

  • Estimates
  • Estimator and Estimates
  • Point Estimates
  • Interval Estimates
  • Interval Estimates and Confidence Intervals
  • Interval Estimates of the Mean from Large Samples
  • Interval Estimates of the Proportion from Large Samples

8. Linear Programming:

  • Graphic Approach
  • Simplex Method

9. Simulation:

  • Simulation Exercise
  • Simulation Methodology

CAIIB Syllabus Paper 1 Module B: Human Resource Management

Here’s an overview of the topics related to Human Resource Management (HRM) and Human Resource Development (HRD) that you mentioned:

1. Fundamentals of Human Resource Management:

  • The Perspective
  • Relationship between HRM & HRD and their Structure and Functions
  • Role of HR Professionals
  • Strategic HRM
  • Development of HR Functions in India
  • Development of Human Resources

2. HRD and its Subsystems:

  • Learning and Development
  • Role and Impact of Learning
  • Attitude Development
  • Career Path Planning
  • Self-Development
  • Talent Management
  • Succession Planning

3. Human Implications of Organizations:

  • Human Behavior and Individual Differences
  • Employees’ Behavior at Work
  • Diversity at Workplace and Gender Issues
  • Theories of Motivation and their Practical Implications
  • ‘Role’: Its Concept & Analysis

4. Employees’ Feedback and Reward System:

  • Employees’ Feedback
  • Reward and Compensation System

5. Performance Management:

  • Appraisal Systems
  • Performance Review and Feedback
  • Counselling
  • Competency Mapping and Assessment of Competencies
  • Assessment Centers
  • Behavioral Event Interview (BEI)

6. Conflict Management and Negotiation:

  • Conflict: Concept & Definition
  • Characteristics of Conflict
  • Types of Conflicts
  • Reasons for Conflict
  • Different Phases of Conflict
  • Conflict Resolution
  • Conflict Management
  • Negotiation Skills for Resolution of Conflicts

7. HRM and Information Technology:

  • Role of Information Technology in HRM
  • HR Information and Database Management
  • Human Resource Information System (HRIS)
  • Human Resource Management System (HRMS)
  • e-HRM
  • HR Research
  • Knowledge Management
  • Technology in Training
  • HR Analytics

These topics encompass various aspects of human resource management and development, including the strategic perspective, employee development, motivation, feedback, performance management, conflict resolution, and the integration of technology in HRM.

CAIIB Syllabus Paper 1 Module C: Credit Management

Here’s an overview of the topics related to Credit Management and related aspects:

1. Overview of Credit Management:

  • Importance of Credit
  • Historical Background of Credit in India
  • Principles of Credit
  • Types of Borrowers
  • Types of Credit
  • Components of Credit Management
  • Role of RBI Guidelines in Bank’s Credit Management

2. Analysis of Financial Statements:

  • Financial Statements and their Types
  • Users of Financial Statements
  • Basic Concepts Used in Preparation of Financial Statements
  • Accounting Standards (AS)
  • Legal Position Regarding Financial Statements
  • Balance Sheet
  • Profit and Loss Account
  • Cash Flow Statement
  • Funds Flow Statement
  • Projected Financial Statements
  • Purpose of Analysis of Financial Statements by Bankers
  • Techniques used in Analysis of Financial Statements
  • Creative Accounting
  • Related Party Transactions

3. Working Capital Finance:

  • Concept of Working Capital
  • Working Capital Cycle
  • Importance of Liquidity Ratios
  • Methods of Assessment of Bank Finance
  • Working Capital Finance to Information Technology and Software Industry
  • Bills/Receivables Finance by the Banks
  • Guidelines of RBI for Discounting/Rediscounting of Bills by Banks
  • Trade Receivables Discounting System (TReDS)
  • Non-Fund Based Working Capital Limits
  • Other Issues Related to Working Capital Finance

4. Term Loans:

  • Important Points about Term Loans
  • Deferred Payment Guarantees (DPGs)
  • Difference between Term Loan Appraisal and Project Appraisal
  • Project Appraisal
  • Appraisal and Financing of Infrastructure Projects

5. Credit Delivery and Documentation:

  • Third-Party Guarantees
  • Charge over Securities
  • Possession of Security
  • Disbursal of Loans
  • Lending under Consortium/Multiple Banking Arrangements
  • Syndication of Loans
  • Straight-Through Loan Processing or Credit Underwriting Engines

6. Credit Control and Monitoring:

  • Importance and Purpose
  • Available Tools for Credit Monitoring/Loan Review Mechanism (LRM)

7. Risk Management and Credit Rating:

  • Meaning of Credit Risk
  • Factors Affecting Credit Risk
  • Steps taken to Mitigate Credit Risks
  • Credit Ratings (Internal and External)
  • Methodology of Credit Rating
  • Use of Credit Derivatives for Risk Management
  • RBI guidelines on Credit Risk Management
  • Credit Information System

8. Restructuring/Rehabilitation and Recovery:

  • Credit Default/Stressed Assets/NPAs
  • Wilful Defaulters
  • Options Available to Banks for Stressed Assets
  • RBI Guidelines on Restructuring of Advances by Banks
  • Available Frameworks for Restructuring of Assets
  • Sale of Financial Assets
  • Resolution of Stressed Assets under Insolvency and Bankruptcy Code 2016
  • Definition of Insolvency and Bankruptcy
  • Application of the Code
  • Legal Elements of the Code
  • Corporate Insolvency Resolution Process
  • Liquidation process
  • Pre-packed Insolvency Resolution Process for stressed MSMEs

These topics cover a wide range of aspects related to credit management, financial analysis, risk management, and regulatory guidelines, among others.

CAIIB Syllabus Paper 1 Module D: Compliance in Banks & Corporate Governance

Here’s an overview of the topics related to Compliance Function in Banks and related aspects:

1. Compliance Function in Banks:

  • Compliance Policy
  • Compliance Principles, Process, and Procedures
  • Compliance Programme
  • Scope of Compliance Function
  • Role & Responsibilities of Chief Compliance Officer (CCO)

2. Compliance Audit:

  • Role of Risk-Based Internal Audit and Inspection
  • Reporting Framework and Monitoring Compliance
  • Disclosure Requirements
  • Accounting Standards
  • Disclosures under Listing Regulations of SEBI

3. Compliance Governance Structure:

  • Organisational Structure
  • Responsibility of the Board and Senior Management
  • Compliance Structure at the Corporate Office
  • Functional Departments
  • Compliance Structure at Field Levels
  • Internal Controls and its Importance
  • Framework for Identification of Compliance Issues and Compliance Risks
  • Compliance Issues
  • Compliance Risk
  • Inherent Risk and Control Risk
  • Independent Testing and Effective Audit Programme
  • Role of Inspection and Audit
  • Loan Review Mechanism/Credit Audit
  • What is Good Compliance

4. Compliance Culture and GRC Framework:

  • How to Create Compliance Culture Across the Organisation
  • Governance, Risk, and Compliance – GRC Framework
  • Benefits of an Integrated GRC Approach
  • Whistle-blower Policy
  • The Components of a Whistle-blower Policy
  • Reasons for Compliance Failures

5. Compliance Function and Role of Chief Compliance Officer in NBFCs:

  • Framework for Scale-Based Regulation for Non-Banking Financial Companies
  • Transition Path
  • Framework for Compliance Function and Role of Chief Compliance Officer in Non-Banking Financial Companies in Upper Layer and Middle Layer (NBFC-UL & NBFC-ML)

6. Fraud and Vigilance in Banks:

  • Definition of Fraud
  • Definition of Forgery
  • Areas in which Frauds are committed in Banks
  • Banking and Cyber Frauds
  • Fraud Reporting and Monitoring System
  • Vigilance Function in Banks
  • RBI Guidelines for Private Sector and Foreign

CAIIB Syllabus Paper 2: Bank Financial Management(BFM)

CAIIB Syllabus Paper 2 Module A: International Banking

Here’s an overview of the topics related to Exchange Rates, Forex Business, International Banking, and Technology:

1. Exchange Rates and Forex Business:

  • Foreign Exchange – Definition and Markets
  • Factors Determining Exchange Rates
  • Exchange Rate Mechanism
  • Foreign Exchange Dealing Room Operations
  • Derivative Products
  • RBI / FEDAI Guidelines
  • Foreign Exchange Arithmetic – Concepts and Examples

2. Liberalised Remittance Scheme (LRS) and other Remittance Facilities for Residents:

  • Capital Account Transactions and Current Account Transactions
  • Key Sections under FEMA vis-à-vis Liberalized Remittance Scheme
  • Permissible/Non-permissible Remittances under LRS
  • Operational Guidelines
  • Remittances under LRS for Current Account Transactions
  • Tax Collected at Source (TCS)
  • LRS vis-à-vis Capital Account Transactions
  • Reporting Requirements under LRS

3. Correspondent Banking and NRI Accounts:

  • Correspondent Banking – Accounts and other Services
  • Nostro, Vostro and Loro Accounts
  • Electronic Modes of Transmission/Payment Gateways – SWIFT, CHIPS, CHAPS, RTGS, etc.
  • NRI Banking
  • NRI accounts – Rupee and Foreign Currency Accounts
  • Facilities to NRIs
  • Advances to Non-Residents against Non-Resident Deposits
  • Housing Loans to Non-Resident Indians

4. Documentary Letters of Credit:

  • Definition of Letter of Credit
  • Types of Letters of Credit
  • Operations of Letter of Credit
  • UCP 600 and Important Articles
  • Liabilities, Responsibilities, and Rights of the Parties
  • Documents under LC – Scrutiny, Crystallization, Follow-up for Bills under LC, and Safeguards for Banks
  • Risks Relating to LC Transactions
  • Standby Letter of Credit (Similar to Guarantees)
  • Uniform Rules for Bank-to-Bank Reimbursements (URR–725)
  • International Standard Banking Practice – 745 (ISBP 745)
  • Incoterms
  • Case Studies

5. Facilities for Exporters and Importers:

  • Exchange and Trade Control Guidelines for Exporters
  • Facilities for Exporters
  • Export Finance
  • Gold Card Scheme for Exporters
  • Export Data Processing and Monitoring System (EDPMS)
  • Factoring and Forfaiting
  • Exchange and Trade Control Guidelines for Importers
  • Import Finance
  • Import Data Processing and Monitoring System (IDPMS)
  • Trade Credit – Supplier’s Credit and Buyer’s Credit
  • Case Study on Export Finance

6. External Commercial Borrowings and Foreign Investments in India:

  • External Commercial Borrowings – Concepts
  • ECBs – Other Operational Concepts
  • Reporting Requirements
  • Conversion of ECB into Equity
  • Foreign Investments
  • Key Concepts
  • Eligible Foreign Investors
  • Eligible Investee Entities
  • Eligible Investment Instruments
  • Prohibited Sectors
  • Rules Governing Pledge of Shares
  • Operational Guidelines
  • Snap Shot of Non-Debt Instruments (NDI) Rules
  • List of Documents for Obtention of Foreign Investments
  • List of Documents for Refund of Foreign Investments

7. Risks in Foreign Trade – Role of ECGC:

  • Definition of Risk and Risks in International Trade
  • Country Risk
  • Export Credit Insurance in International Trade
  • ECGC Role and Products
  • ECGC Policies
  • ECGC’s Products for Banks
  • Other Aspects Relating to ECGC Policies and Guarantees
  • Common “To Do Points” under ECGC Policies
  • Claims Role of EXIM Bank

8. Reserve Bank of India, Exchange Control in India – FEMA, FEDAI and Others:

  • EXIM Bank – Role, Functions, and Facilities
  • Reserve Bank of India – Role and Exchange Control Regulations in India
  • Foreign Exchange Management Act (FEMA) 1999
  • Role of FEDAI and FEDAI Rules

9. Short Notes on Other Topics:

  • ECB and ADR/GDRs and FCCB
  • International Financial Service Centres (IFSC), GIFT City
  • Scope of IFSC in India
  • Opportunities at Gift City
  • Guidelines relating to setting up of IFSC Banking Units (IBUs)
  • Role of IFSCA
  • Regulatory Framework
  • Permissible Activities at IBUs
  • Relaxations for the FPI (Foreign Portfolio Investors) Entities at GIFT City

10. Technology in International Banking:

  • Introduction to Digitization in International Banking – An Overview
  • Evolution of Technology in International Banking
  • Benefits and Limitations of Technology in International Banking
  • Digital Platforms in International Banking
  • FINTECH and evolution of FINTECH in International Banking
  • Delivery channels under FINTECH in International Banking
  • Sample process of International Trade Using Blockchain Technology
  • Challenges in FINTECH

CAIIB Syllabus Paper 2 Module B: Risk Management

Here’s an overview of the topics related to Risk and Basic Risk Management Framework in the context of banking:

1. Risk and Basic Risk Management Framework:

  • What is Risk?
  • Linkages among Risk, Capital, and Return
  • Why Risk Management?
  • Basic Risk Management Framework

2. Risks in Banking Business:

  • Risk Identification in Banking Business
  • The Banking Book
  • The Trading Book
  • Off-Balance Sheet Exposures
  • Banking Risks – Definitions

3. Risk Regulations in Banking Industry:

  • Regulation of Banking Industries – Necessities and Goals
  • The Need for Risk-based Regulation in a Changed World Environment
  • Basel I: The Basel Capital Accord
  • 1996 Amendment to Include Market Risk
  • Basel II Accord – Need and Goals
  • Basel II Accord
  • Towards Basel III
  • Capital Charge for Credit Risk
  • Credit Risk Mitigation
  • Capital Charge for Market Risk
  • Capital Charge for Operational Risk
  • Pillar 2 – Supervisory Review Process
  • Pillar 3 – Market Discipline
  • Capital Conservation Buffer
  • Leverage Ratio
  • Countercyclical Capital Buffer
  • Systemically Important Financial Institutions (SIFIs)
  • Risk-Based Supervision (RBS)

4. Market Risk:

  • Market Risk – Concept
  • Market Risk in Banks
  • Market Risk Management Framework
  • Organisation Structure
  • Risk Identification
  • Risk Measurement
  • Risk Monitoring and Control
  • Risk Reporting
  • Managing Trading Liquidity
  • Risk Mitigation

5. Credit Risk:

  • General
  • Credit Risk Management Framework
  • Organisation Structure
  • Risk Identification
  • Risk Measurement
  • Credit Risk Control and Monitoring
  • Credit Risk Policies and Guidelines at Transaction Level
  • Credit Control and Monitoring at Portfolio Level
  • Active Credit Portfolio Management
  • Controlling Credit Risk through Loan Review Mechanism (LRM)
  • Credit Risk Mitigation
  • Securitisation
  • Credit Derivatives (CDs)

6. Operational Risk and Integrated Risk Management:

  • Operational Risk – General
  • Operational Risk – Classification
  • Operational Risk Classification by Event Type – Definitions
  • Operational Risk Management Practices
  • Management Overview and Organisational Structure
  • Processes and Framework
  • Risk Monitoring and Control Practices
  • Operational Risk Qualification
  • Operational Risk Mitigation
  • Scenario Analysis
  • Integrated Risk Management
  • The Necessity of Integrated Risk Management
  • Integrated Risk Management – Challenges
  • Integrated Risk Management – Approach

7. Liquidity Risk Management:

  • Liquidity Risk Management – Need & Importance
  • Potential Liquidity Risk Drivers
  • Types of Liquidity Risk
  • Principles for Sound Liquidity Risk Management
  • Governance of Liquidity Risk Management
  • Liquidity Risk Management Policy, Strategies, and Practices
  • Management of Liquidity Risk
  • Ratios in respect of Liquidity Risk Management
  • Stress Testing
  • Contingency Funding Plan
  • Overseas Operations of the Indian Banks’ Branches and Subsidiaries and Branches of Foreign Banks in India
  • Broad Norms in Respect Of Liquidity Management
  • Liquidity Across Currencies
  • Management Information System
  • Reporting to the Reserve Bank of India
  • Internal Controls

8. Basel III Framework on Liquidity Standards:

  • Liquidity Coverage Ratio
  • Liquidity Risk Monitoring Tools
  • Net Stable Funding Ratio

CAIIB Syllabus Paper 2 Module C: Treasury Management

Here’s an overview of the topics related to Treasury Management and Balance Sheet Management in the context of banking:

1. Introduction to Treasury Management:

  • The Concept
  • Functions of Integrated Treasury
  • The Process of Globalisation
  • Evolving Role of Treasury as a Profit Centre
  • Organisation of Treasury

2. Treasury Products:

  • Products of Foreign Exchange Markets
  • Money Market Products
  • Securities Market Products
  • Domestic and Global Markets

3. International Equity and Debt Products:

  • Regulatory Environment
  • Global Depository Receipts
  • Indian Depository Receipts
  • External Commercial Borrowings
  • Trade Credits
  • Rupee Denominated Bonds

4. Funding and Regulatory Aspects:

  • Reserve Assets: CRR and SLR
  • The Liquidity Adjustment Facility (LAF)
  • Payment and Settlement Systems

5. Treasury Risk Management:

  • Supervision and Control of Treasury
  • Market Risk and Credit Risk
  • Risk Measures: VaR and Duration
  • Use of Derivatives in Risk Management

6. Derivative Products:

  • Derivatives and the Treasury
  • OTC and Exchange Traded Products
  • Forwards, Options, Futures, and Swaps
  • Interest Rate and Currency Swaps
  • Developments in Indian Markets and RBI Guidelines on Risk Exposure

7. Treasury and Asset-Liability Management:

  • Meaning of Asset-Liability Management (ALM)
  • Liquidity Risk and Interest Rate Risk
  • Role of treasury in ALM
  • Use of derivatives in ALM
  • Credit risks and Credit Derivatives
  • Transfer pricing
  • Policy Environment

CAIIB Syllabus Paper 2 Module D: Balance Sheet Management:

Here’s an overview of the topics related to Components of Assets and Liabilities in a Bank’s Balance Sheet, Banking Regulation, and Capital Adequacy in the context of banking:

1. Components of Assets and Liabilities in Bank’s Balance Sheet and their Management:

  • Components of a Bank’s Balance Sheet
  • What is Asset Liability Management (ALM)?
  • Significance of Asset Liability Management
  • Purpose and Objectives of Asset Liability Management
  • ALM as Coordinated Balance Sheet Management

2. Banking Regulation and Capital:

  • Capital and Banking Regulation
  • Capital Adequacy – Basel Norms
  • Scope of Application
  • Pillar 1 – Minimum Capital Requirements
  • Pillar 2 – Supervisory Review Process
  • Pillar 3 – Market Discipline

3. Asset Classification and Provisioning Norms:

  • Asset Classification
  • Provisioning Norms

4. Liquidity Management:

  • Definition
  • Dimensions and Role of Liquidity Risk Management
  • Measuring and Managing Liquidity Risk

5. Interest Rate Risk Management:

  • Essentials of Interest Rate Risk
  • Sources of Interest Rate Risk
  • Effects of Interest Rate Risk
  • Measurement of Interest Rate Risk
  • Interest Rate Risk Measurement Techniques
  • Strategies for Controlling Interest Rate Risk
  • Controls and Supervision of Interest Rate Risk Management
  • Sound Interest Rate Risk Management Practices
  • RBI’s Draft Guidelines on Interest Rate Risk in Banking Book

6. RAROC and Profit Planning:

  • Profit Planning
  • Risk Aggregation and Capital Allocation
  • Economic Capital and RAROC

CAIIB Syllabus Paper 3: Advanced Business and Financial Management (ABFM)

CAIIB Syllabus Paper 3 Module A: The Management Process

Here’s an overview of the topics related to Basics of Management, including functions, planning, organizing, staffing, directing, and controlling:

1. Basics of Management:

  • Definition of Management
  • The Management Process
  • Functions of Management
  • Importance of Management
  • Management Thoughts & Approaches
  • Management Challenges & Opportunities

2. Introduction to Strategic Management:

  • Business Environment Analysis

3. Planning:

  • Fundamentals of Planning
  • Steps in Planning
  • Importance of Planning
  • Advantages and disadvantages of planning
  • Management by Objectives
  • Plan Components
  • Contingency planning
  • Forecasting & Decision Making

4. Organizing:

  • Introduction and Fundamentals of Organizing
  • Importance of Organisation
  • Stages in Organising Process
  • The Organising Process
  • Principles of organizing
  • Types of Organisations
  • Organisation structure
  • Organisation charts and manuals
  • The Organisation culture
  • Authority & Responsibility
  • Key Issues in Organisation Structure
  • Organisational Change
  • Conflict Dynamics

5. Staffing:

  • Functions of Staffing
  • Objectives of staffing
  • Nature of staffing
  • Facets of staffing
  • Significance of staffing
  • System approach to staffing
  • Recruitment, Selection, Training, Retention, and development
  • Knowledge and learning management
  • Performance Appraisal
  • Human Resource Development

6. Directing:

  • Characteristics of directing
  • Importance of directing
  • Elements of directing
  • Leadership
  • Motivation
  • Communication
  • Supervision

7. Controlling:

  • Basics of Controlling
  • Characteristics of controlling
  • Advantages of controlling
  • Limitations of controlling
  • Types of control management
  • Control process
  • Relation between planning and control
  • Control Techniques
  • Control technique and Information Technology

CAIIB Syllabus Paper 3 Module B: Advanced Concepts Of Financial Management

Here’s an overview of the topics related to Sources of Finance, Financial Strategies, Capital Investment Decisions, International Project Investment, Capital Budgeting, Risk Analysis, and Decision Making:

1. Sources of Finance and Financial Strategies:

  • Equity Capital
  • Internal Accruals
  • Preference Capital
  • Term Loans
  • Debentures
  • Alternative Financing Strategies in the Context of Regulatory Requirements

2. Financial and Operating Leverages:

  • Financial Leverage
  • Degree of Financial Leverage and its Behavior
  • Operating Leverage
  • Degree of Operating Leverage and its Behavior
  • Combined or Total Leverage

3. Capital Investment Decisions:

  • Objective of capital investment decisions
  • Estimation of project cash flows
  • Forecasting and its relation to regulation of capital for short, medium, and long-term periods
  • Relationship between sales, production, and other functional budgets
  • Cash Forecasts
  • Cost analysis for projects
  • Methods of Investment appraisal
  • Social Cost-Benefit Analysis

4. Capital Budgeting for International Project Investment Decisions:

  • Foreign Investment Analysis
  • Special Considerations – Foreign & Home Currency Cash Flows
  • Foreign Currency Discount Rates Computation
  • International Portfolio Investment and Institutional Constraints
  • Direct and Indirect Channels for International Portfolio Investment
  • Exchange and Country Risk
  • Return and Risk of Foreign Investment
  • Capital asset pricing model
  • Arbitrage pricing theory
  • International Capital Budgeting Issues involved in overseas projects
  • Approaches for the evaluation of overseas projects
  • Evaluation methods
  • Impact of transfer pricing
  • Adjustment of Risk and Uncertainty in Capital Budgeting Decision

5. Risk Analysis:

  • Sources & Perspectives on Risk
  • Sensitivity Analysis
  • Scenario Analysis
  • Hillier Model
  • Simulation Analysis
  • Decision Tree Analysis
  • Corporate Risk Analysis
  • Managing Risk
  • Project Selection Under Risk
  • Risk Analysis in Practice

6. Decision Making:

  • Decision Making using Cost-Volume-Profit (CVP) Analysis
  • Decision Making using Relevant Cost Concepts
  • Decision Making using Activity Based Costing
  • Ethical and Non-Financial Considerations Relevant to Decision Making

CAIIB Syllabus Paper 3 Module C: Valuation, Mergers & Acquisitions

Here’s an overview of the topics related to Corporate Valuations, Valuation Approaches, Discounted Cash Flow Valuation, Non-DCF Valuation Models, Special Cases of Valuation, Mergers, Acquisitions, Restructuring, and Deal Structuring:

1. Corporate Valuations:

  • Approaches to Corporate Valuation
  • Adjusted Book Value Approach
  • Stock and Debt Approach
  • Direct Comparison Approach
  • Discounted Cash Flow Approach
  • Steps involved in valuation using DCF Approach

2. Discounted Cash Flow Valuation:

  • Estimating Inputs
  • Approaches to Discounted Cash Flow Models
  • Various Discounted Cash Flow Models
  • Dividend Discount Model
  • Applicability of the Dividend Discount Model

3. Other Non-DCF Valuation Models:

  • Relative Valuation Model
  • Equity Valuation Multiples Model
  • Enterprise Value Multiples Model
  • Choosing the right multiples
  • Book value approach Model
  • Stock and debt approach

4. Special Cases of Valuation:

  • Intangibles – Brand, Human valuation, etc.
  • Real estate Firms
  • Start-up firms
  • Firms with negative or low earnings
  • Financial Service companies
  • Distressed firms
  • Valuation of cash and cross holdings
  • Warrants and convertibles
  • Cyclical & non-cyclical companies
  • Holding companies
  • E-commerce firms

5. Mergers, Acquisitions, and Restructuring:

  • Types of Transactions
  • Reasons for Merger
  • Mechanics of a Merger
  • Costs and Benefits of a Merger
  • Exchange Ratio in a Merger
  • Purchase of a Division / Plant
  • Takeovers
  • Leveraged Buyouts
  • Acquisition Financing
  • Business Alliances
  • Managing Acquisitions
  • Divestitures
  • Holding Company
  • Demergers

6. Deal Structuring and Financial Strategies:

  • Negotiations
  • Payment and legal considerations
  • Tax and accounting considerations
  • Tax reliefs and benefits in case of Amalgamation in India
  • Financial reporting of business combinations
  • Deal Financing
  • Financing of cross-border acquisitions in India

CAIIB Syllabus Paper 3 Module D: Emerging Business Solutions

Here’s an overview of the topics related to Hybrid Finance, Start-up Finance, Private Equity and Venture Capital, Artificial Intelligence, Business Analytics, Green and Sustainable Financing, and Special Purpose Acquisition Company (SPAC):

1. Hybrid Finance:

  • Advantages and disadvantages of Hybrid securities
  • Types of hybrid securities
  • Preference Share Capital
  • Features of Warrants
  • Features of Convertible Debentures
  • Differences between Warrants and Convertible debentures
  • Valuation of Warrants
  • Valuation of Compulsorily Convertible (Partly or fully) Debentures
  • Objective of issuing Warrants and Convertible debentures
  • Features of Foreign Currency Convertible Bond (FCCB)
  • Mezzanine Financing
  • Innovative Hybrids

2. Start-up Finance:

  • Benefits to startup under the Startup Plan
  • Startup definition in India
  • Challenges faced by Startups
  • State Startup Policy
  • Pitch Presentation
  • Programmes and competitions for startups
  • Tax exemptions
  • Funding
  • Investor’s outlook in Startups
  • Funding schemes and programmes
  • International challenges and bridges

3. Private Equity and Venture Capital:

  • Characteristics of Venture Capital Investments
  • Characteristics shared by Private Equity and Venture Capital as well as their key distinctions
  • Financing options available through Venture Capital
  • Investment in Private equity
  • Benefits obtained through private equity
  • Drawbacks to the practice of private equity
  • Due diligence
  • Exit Strategies

4. Artificial Intelligence:

  • History of Artificial Intelligence
  • Applicability of Artificial Intelligence
  • Artificial Intelligence in Banking and Finance
  • The future scope of Artificial Intelligence
  • Neural Networks
  • Control Theory and Cybernetics
  • Rational Agents
  • Motion and Manipulation
  • Tools and Techniques of Artificial Intelligence
  • Artificial Intelligence and Morality

5. Business Analytics as Management Tool:

  • Essentials of Business analytics
  • Types of Analytics
  • Elements of Business Analytics
  • Big Data Analytics
  • Web and Mobile Analytics
  • Comparing web Vs Mobile Analytics
  • Importance of Business Analytics

6. Green and Sustainable Financing:

  • ISO Standards for Green Finance
  • Building Green Finance
  • International Best Practices towards Green Finance
  • Public Policy in India
  • Progress of Green Finance in India
  • Challenges and way forward
  • Growth of Regulatory Framework
  • National Efforts towards Green and Sustainable Financing
  • RBI Views on Climate Risk and Sustainable Finance

7. Special Purpose Acquisition Company (SPAC):

  • Advantages of SPAC
  • Disadvantages of SPAC
  • SPAC Formation and Timelines
  • The SPAC Merger
  • Stakeholders
  • Characteristics of SPACs
  • Process
  • SPAC Capital Structure
  • Trust Account
  • Warrants
  • Forward Purchase
  • IPO Agreements
  • De-SPAC Process

CAIIB Syllabus Paper 4: Banking Regulations and Business Laws (BRBL)

CAIIB Syllabus Paper 4 Module A: Regulations and Compliance

Here’s an overview of the topics related to the legal framework and regulation of banks and other financial institutions:

1. Legal Framework of Regulation of Banks:

  • Business of Banking
  • Constitution of Banks
  • Reserve Bank of India Act, 1934
  • Banking Regulation Act, 1949
  • Reserve Bank as a Central Bank and Regulator of Non-Banking Financial Institutions/Banks
  • Government as a Regulator of Banks
  • Control over Co-operative Banks
  • Regulation by Other Authorities

2. Control over Organization of Banks:

  • Licensing of Banking Companies
  • RBI Licensing Policy for Universal Banks and Small Finance Banks/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
  • Controls over Management
  • Corporate Governance
  • Directors and Corporate Governance

3. Regulation of Banking Business:

  • Power to Issue Directions
  • Acceptance of Deposits
  • Nomination
  • Loans and Advances
  • Regulation of Interest Rates
  • Regulation of Payment Systems
  • Internet Banking Guidelines
  • Regulation of Money Market Instruments
  • Banking Ombudsman
  • Regulation to Strengthen Financial Stability

4. Returns, Inspection, Winding Up, Mergers & Acquisitions:

  • Annual Accounts and Balance Sheet
  • Audit and Auditors
  • Submission of Returns
  • Preservation of Records and Return of Paid Instruments
  • Special Audit, Inspection, and Scrutiny
  • Board for Financial Supervision
  • Acquisition of Undertakings
  • Amalgamation of Banks
  • Winding up of Banks
  • Penalties for Offenses

5. Different Categories of Banks:

  • Public Sector Banks
  • Private Sector Banks
  • Regional Rural Banks
  • Differentiated Banks and Co-operative Banks
  • Local Area Banks
  • State Bank of India

6. Regulation of Non-Banking Financial Companies (NBFCs):

  • Regulators of NBFCs
  • Role of NBFC in promoting Inclusive Growth
  • Registration
  • Revised Scale-Based Regulatory Structure
  • Nomenclature and Regulatory Norms
  • Capital Guidelines
  • Prudential Guidelines
  • Corporate Governance
  • Fair Practices Code for applicable NBFC
  • Bank Finance to NBFCs registered/not requiring registration with RBI
  • Co-Lending by banks and NBFCs to Priority Sector Advances (PSA)

7. Financial Sector Legislative Reforms and Financial Stability and Development Council:

  • Narasimham Committees
  • Banking Sector Reforms
  • Reforms in Monetary Policy
  • Reforms in Financial Markets
  • Reforms in Forex Market
  • Financial Sector Development Council (FSDC)
  • Function of the FSDC
  • Wings of FSDC

CAIIB Syllabus Paper 4 Module B: Important Acts/Laws & Legal Aspects of Banking Operations –Part A

Here’s an overview of the topics related to various financial and legal acts:

1. The Prevention of Money Laundering Act, 2002:

  • Offence of Money Laundering
  • Punishment for Money Laundering
  • Obligations of Banking Companies, Financial Institutions, and Intermediaries
  • Enhanced Due Diligence
  • Rules Framed
  • Records to be Maintained
  • Information Contained in the Records
  • Procedure for Maintaining Information
  • Procedure for Furnishing Information to the Director
  • Verification of Records of the Identity of Clients
  • Maintenance of Records of Identity of Clients
  • Some Cases pertaining to the Act

2. Negotiable Instruments Act, 1881:

  • Negotiable Instruments, Types, and Characteristics
  • Drawer/Acceptor
  • Payment of Cheques – Protection to Bankers’/Customers’
  • Material Alteration
  • Where Alteration is not apparent
  • Protection to the Collecting Banker

3. Foreign Exchange Management Act, 1999:

  • Meaning of Certain Important Terms Used in FEMA
  • Regulation and Management of Foreign Exchange
  • Powers of RBI with Respect to Authorized Persons
  • Contravention, Penalties, Adjudication, and Appeals
  • Directorate of Enforcement
  • Special Provisions relating to Assets held outside India

4. Payment & Settlement Systems Act, 2007:

  • Definitions
  • Designated Authority/Authorization
  • Regulation and Supervision by the RBI
  • Settlement and Netting
  • Power of RBI to make regulations

5. Law Relating to Securities and Modes of Charge – I:

  • Mortgage
  • Document of Title to Immoveable Property – Meaning
  • Copy of Document of Title to Immoveable Property Where Acceptable

6. Law Relating to Securities and Modes of Charge – II:

  • Appropriation
  • Assignment
  • Pledge
  • Hypothecation
  • Banker’s lien
  • Set-off
  • Creation/Registration and Satisfaction of Charges
  • What is a Charge?
  • Procedure for Registration of Charge
  • Effect of Registration of Charges
  • Effect of Non-registration of Charges
  • Provisions of Companies Act 2013 Relating to Registration of Charges
Module / Paper Topics Covered
Module A: Advanced Bank Management – Risk and Risk Management – Basel Norms – Credit Risk Management – Market Risk Management – Operational Risk Management – Asset Liability Management – Capital Adequacy – Economic Capital – ALM in Indian Banking – Retail Banking – Retail Lending – Marketing of Banking Services – Marketing of Non-Banking Products – Liability and Investment Products – International Banking – Risk Management in International Banking – Role of External Commercial Borrowings – Project Finance – Stressed Assets Management – Credit Rating – Foreign Exchange Operations – Information Technology (IT) in Banking – IT Security and Fraud Management – Cyber Security – Cyber Crimes – Digital Banking – E-Banking – Mobile Banking – Data Warehousing – Data Mining – Software for Banking – Financial Services – Financial Market Regulations – Treasury Operations – Forex Operations – Derivatives – E-Banking – Risk Management in E-Banking – Management of Outsourced Services – Recovery Planning and Resolution – Recent Developments in Banking and IT
Module B: Bank Financial Management – Advanced Financial Accounting – International Banking – Risk Management in International Banking – Treasury Management – Risk Management in Treasury Operations – Integrated Risk Management – Valuation of Securities – Derivatives and Risk Management – Portfolio Management – Risk Management in Non-Fund Based Activities – Risk and Strategies in Services Marketing – Regulation and Risk Management in Banks – Country Risk and Country Risk Analysis – Assessment of International Credits – Human Resources Management in Banks – Credit Appraisal and Documentation – Retail Banking – Credit Monitoring and Credit Information – Factoring, Forfaiting, and Structured Finance – Credit Rating and Credit Enhancement – Specialized Credit Schemes – Risk Management in E-Banking – Risk Management in Electronic Banking – IT Security and Fraud Management – Cyber Crimes – Risk Management in Banks – Risk Management in International Banking – Management of Operational Risk – Integrated Risk Management – Market Risk and Treasury Risk Management – Risk Management in Treasury Operations – Valuation of Securities – Risk Management in Derivatives – Credit Derivatives – Portfolio Management – Credit Risk Management – Asset Liability Management – Country Risk – Sovereign Risk Analysis – Risk Management in Banks – Management of Outsourced Services – Recovery Planning and Resolution – Recent Developments in Banking and IT
Module C: Corporate Banking – Corporate Banking – Working Capital Management – Business Valuation – Capital Budgeting – Corporate Financial Restructuring – Dividend Policy – Risk Management in Corporate Banking – Credit Risk Management in Corporate Banking – Investment Banking – Mergers and Acquisitions – Asset Securitization – Project Finance – Infrastructure Finance – Venture Capital Financing – Treasury and Forex Risk Management – Credit Derivatives – Infrastructure Finance – Risk Management in Corporate Banking – Investment Banking – Mergers and Acquisitions – Asset Securitization – Credit Rating and Risk Management – Credit Derivatives – Basel II Framework – Credit Risk Management in Corporate Banking – Working Capital Management – Business Valuation – Capital Budgeting – Treasury and Forex Risk Management – Venture Capital Financing – Infrastructure Finance – Project Finance – Risk Management in Corporate Banking – Risk Management in Infrastructure Finance – Risk Management in Project Finance – Risk Management in Investment Banking – Investment Banking – Risk Management in Mergers and Acquisitions – Asset Securitization – Structured Finance – Credit Risk Management in Corporate Banking – Credit Derivatives – Basel II Framework – Recent Developments in Corporate Banking
Module D: Retail Banking – Retail Banking – Regulatory and Compliance Aspects – Liability Products – Retail Credit Products – Housing Loans – Auto Loans – Credit Cards – Personal Loans – Risk and Credit Appraisal – Non-Performing Assets – Recovery and Collection Management – Securitization and Asset Reconstruction Companies – Information Technology in Retail Banking – Customer Relationship Management – Sales and Cross-Selling – Marketing of Retail Products – Wealth Management – Retail Banking – Regulatory and Compliance Aspects – Customer Relationship Management – Marketing of Retail Products – Sales and Cross-Selling – Information Technology in Retail Banking – Liability Products – Retail Credit Products – Housing Loans – Auto Loans – Credit Cards – Personal Loans – Risk and Credit Appraisal – Non-Performing Assets – Recovery and Collection Management – Securitization and Asset Reconstruction Companies – Wealth Management – Recent Developments in Retail Banking
Module E: Rural Banking – Rural Economy and Agriculture – Role of Agriculture in Indian Economy – Rural Banking – Agricultural Finance – Crop Finance – Crop Insurance – Investment Credit for Agriculture – Agri-Infrastructure Finance – Agricultural Debt Waiver and Debt Relief Scheme – Financial Inclusion – SHG Bank Linkage Program – Microfinance – RRBs and Co-operative Banks – Agricultural Debt Waiver and Debt Relief Scheme – Risk Management in Rural Banking – Rural Branch Management – Marketing of Rural Banking Services – Financial Inclusion – Microfinance – Risk Management in Rural Banking – Role of Agriculture in Indian Economy – Investment Credit for Agriculture – Rural Banking – Crop Finance – Agricultural Finance – Agri-Infrastructure Finance – Risk Management in Rural Banking – SHG Bank Linkage Program – RRBs and Co-operative Banks – Recent Developments in Rural Banking


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