Centre List of Diploma in Finance and Banking

Centre List of Diploma in Finance and Banking CENTRE LIST

Important Instructions

The Diploma in Banking & Finance Examination will be held along with the JAIIB Examination of the Institute effective from December 2008. It will be held at all the examination centres of JAIIB. The examination will be held in off-line mode only. Candidates who have opted for on-line mode are being approached separately to ascertain their choice afresh.

S.No.	Center Name	Center Code	State
1	JAMNAGAR	110	GUJARAT
2	DHARMAPURI	460	TAMILNADU
3	ROHTAK	145	HARYANA
4	MANDI	163	HIMACHAL PRADESH
5	SIMLA	166	HIMACHAL PRADESH
6	HOSHIARPUR	394	PUNJAB
7	DEHRADUN	514	UTTARANCHAL
8	HARDWAR	526	UTTARANCHAL
9	AGRA	501	UTTAR PRADESH
10	ALIGARH	502	UTTAR PRADESH
11	AZAMGARH	505	UTTAR PRADESH
12	ETAWAH	517	UTTAR PRADESH
13	GORAKHPUR	524	UTTAR PRADESH
14	JAUNPUR	528	UTTAR PRADESH
15	KANPUR	530	UTTAR PRADESH
16	SAHARANPUR	550	UTTAR PRADESH
17	SHAHJAHANPUR	551	UTTAR PRADESH
18	AMBIKAPUR	253	CHHATTISGARH
19	BHILAI	256	CHHATTISGARH
20	FARIDABAD	134	HARYANA
21	JAGDALPUR	270	MADHYA PRADESH
22	RAIGARH	278	CHHATTISGARH
23	ADONI	2	ANDHRA PRADESH
24	MAHABOOBNAGAR	20	ANDHRA PRADESH
25	SECUNDERABAD	31	ANDHRA PRADESH
26	BANGALORE	191	KARNATAKA
27	KOLAR	209	KARNATAKA
28	MANGALORE	214	KARNATAKA
29	RAICHUR	218	KARNATAKA
30	SHIMOGA	221	KARNATAKA
31	KANNUR	234	KERALA
32	ERNAKULAM	236	KERALA
33	KOTTAYAM	239	KERALA
34	THIRUVALLA	244	KERALA
35	ABOHAR	386	PUNJAB
36	AMRITSAR CITY	387	PUNJAB
37	BHATINDA	390	PUNJAB
38	SANGRUR	406	PUNJAB
39	MORADABAD	539	UTTAR PRADESH
40	MUZAFFARNAGAR	540	UTTAR PRADESH
41	DEORIA	556	UTTAR PRADESH
42	DAVANGERE	199	KARNATAKA
43	ERODE	462	TAMILNADU
44	CHENNAI	467	TAMILNADU
45	MADURAI	468	TAMILNADU
46	THANJAVUR	479	TAMILNADU
47	TIRUCHIRAPPALLI	480	TAMILNADU
48	TIRUNELVELI	481	TAMILNADU
49	DIPHU	46	ASSAM
50	GAUHATI	48	ASSAM
51	HAFLONG	49	ASSAM
52	KOKRAJHAR	51	ASSAM
53	NOWGONG	53	ASSAM
54	SIBSAGAR	54	ASSAM
55	GOALPARA	58	ASSAM
56	BHAGALPUR	66	BIHAR
57	DALMIANAGAR	70	BIHAR
58	DALTONGANJ	71	JHARKHAND
59	HAZARIBAGH	77	JHARKHAND
60	MOKOK CHUNG	358	NAGALAND
61	TUENSANG	359	NAGALAND
62	BALASORE	365	ORISSA
63	BERHAMPUR GANJAM	368	ORISSA
64	BHAWANIPATNA	369	ORISSA
65	AMBALA CITY	130	HARYANA
66	HAMIRPUR	159	HIMACHAL PRADESH
67	ANANTNAG	174	JAMMU & KASHMIR
68	JAMMU	177	JAMMU & KASHMIR
69	RAJOURI	181	JAMMU & KASHMIR
70	SRINAGAR	182	JAMMU & KASHMIR
71	UDHAMPUR	183	JAMMU & KASHMIR
72	FAIZABAD	518	UTTAR PRADESH
73	GHAZIABAD	521	UTTAR PRADESH
74	GHAZIPUR	522	UTTAR PRADESH
75	AHMEDABAD	98	GUJARAT
76	BARODA	100	GUJARAT
77	BHAVNAGAR	101	GUJARAT
78	BHUJ	102	GUJARAT
79	MARGAO	618	GOA
80	KARIMNAGAR	15	ANDHRA PRADESH
81	KURNOOL	18	ANDHRA PRADESH
82	MASULIPATNAM	21	ANDHRA PRADESH
83	NALGONDA	22	ANDHRA PRADESH
84	NELLORE	24	ANDHRA PRADESH
85	NIZAMABAD	25	ANDHRA PRADESH
86	SRIKAKULAM	32	ANDHRA PRADESH
87	VIJAYAWADA	35	ANDHRA PRADESH
88	VIZIANAGARAM	37	ANDHRA PRADESH
89	WARANGAL	38	ANDHRA PRADESH
90	BELGAUM	192	KARNATAKA
91	BELLARY	193	KARNATAKA
92	BIJAPUR	195	KARNATAKA
93	REWA	282	MADHYA PRADESH
94	AMRAVATI	300	MAHARASHTRA
95	NEW DELHI	610	DELHI
96	PALAMPUR	165	HIMACHAL PRADESH
97	DODA	176	JAMMU & KASHMIR
98	KATHUA	178	JAMMU & KASHMIR
99	LEH	179	JAMMU & KASHMIR
100	POONCH	180	JAMMU & KASHMIR
101	LUDHIANA	397	PUNJAB
102	MANSA	398	PUNJAB
103	PATHANKOT	401	PUNJAB
104	PATIALA	402	PUNJAB
105	JHANSI	529	UTTAR PRADESH
106	PORBANDAR	118	GUJARAT
107	RAJKOT	119	GUJARAT
108	BILASPUR	258	CHHATTISGARH
109	ADILABAD	1	ANDHRA PRADESH
110	CHITTOOR	6	ANDHRA PRADESH
111	CUDDAPAH	7	ANDHRA PRADESH
112	ELURU	8	ANDHRA PRADESH
113	HINDUPUR	12	ANDHRA PRADESH
114	KAKINADA	14	ANDHRA PRADESH
115	Ongole	26	ANDHRA PRADESH
116	HUBLI	207	KARNATAKA
117	KAVARATTI	625	LAKSHADWEEP
118	JABALPUR	269	MADHYA PRADESH
119	CHANDRAPUR	308	MAHARASHTRA
120	JORHAT	50	ASSAM
121	TEZPUR	56	ASSAM
122	TRICHUR	246	KERALA
123	TRIVANDRUM	247	KERALA
124	TIRUPUR	483	TAMILNADU
125	VELLORE	487	TAMILNADU
126	BALAGHAT	254	MADHYA PRADESH
127	CHHINDWARA	260	MADHYA PRADESH
128	GUNA	265	MADHYA PRADESH
129	GWALIOR	266	MADHYA PRADESH
130	Ratlam	281	MADHYA PRADESH
131	SAUGOR	283	MADHYA PRADESH
132	SHAHDOL	286	MADHYA PRADESH
133	UJJAIN	289	MADHYA PRADESH
134	SIDHI	295	MADHYA PRADESH
135	AKOLA	297	MAHARASHTRA
136	MUMBAI	306	MAHARASHTRA
137	BULDHANA	307	MAHARASHTRA
138	DHULE	309	MAHARASHTRA
139	JALGAON	311	MAHARASHTRA
140	KOLHAPUR	314	MAHARASHTRA
141	NAGPUR	317	MAHARASHTRA
142	Ajmer	413	RAJASTHAN
143	Banswara	415	RAJASTHAN
144	Bhilwara	418	RAJASTHAN
145	BIKANER	419	RAJASTHAN
146	Jodhpur	433	RAJASTHAN
147	KOTAH	434	RAJASTHAN
148	DHANBAD	73	JHARKHAND
149	AGARTALA	495	TRIPURA
150	BHUBANESHWAR	370	ORISSA
151	SAMBALPUR	380	ORISSA
152	Asansol	562	WEST BENGAL
153	Vasai	303	MAHARASHTRA
154	SANGLI	324	MAHARASHTRA
155	SATARA	326	MAHARASHTRA
156	Thane	329	MAHARASHTRA
157	ULHASNAGAR	330	MAHARASHTRA
158	GANGANAGAR	425	RAJASTHAN
159	JAISALMER	429	RAJASTHAN
160	SIKAR	438	RAJASTHAN
161	UDAIPUR	442	RAJASTHAN
162	CHANDIGARH	603	CHANDIGARH
163	DHUBRI	44	ASSAM
164	DIBRUGARH	45	ASSAM
165	BONGAIGAON	59	ASSAM
166	ARRAH	63	BIHAR
167	SAHIBGANJ	95	JHARKHAND
168	TURA	345	MEGHALAYA
169	GURGAON	136	HARYANA
170	BAREILLY	508	UTTAR PRADESH
171	ETAH	516	UTTAR PRADESH
172	Vapi	651	GUJARAT
173	RAIPUR	279	CHHATTISGARH
174	KHAMMAM	16	ANDHRA PRADESH
175	Tirupati	34	ANDHRA PRADESH
176	MADIKERI	212	KARNATAKA
177	MYSORE	216	KARNATAKA
178	CALICUT	233	KERALA
179	KOLLAM	243	KERALA
180	YAMUNANAGAR	150	HARYANA
181	FEROZEPUR	392	PUNJAB
182	LUCKNOW	533	UTTAR PRADESH
183	MEERUT CANTT	536	UTTAR PRADESH
184	DHARWAR	200	KARNATAKA
185	GULBARGA	203	KARNATAKA
186	HASSAN	204	KARNATAKA
187	KARUR	465	TAMILNADU
188	SAWAI MADHOPUR	437	RAJASTHAN
189	NORTH LAKHIMPUR	52	ASSAM
190	SILCHAR	55	ASSAM
191	BEGUSARAI	64	BIHAR
192	SAHARSA	88	BIHAR
193	SAMASTIPUR	89	BIHAR
194	SASARAM	90	BIHAR
195	AMBALA CANTT	131	HARYANA
196	BARAMULLA	175	JAMMU & KASHMIR
197	NAINITAL	541	UTTARANCHAL
198	GONDA	523	UTTAR PRADESH
199	SURAT	120	GUJARAT
200	PANAJI	619	GOA
201	PALAKOL	27	ANDHRA PRADESH
202	RAJAHMUNDRY	29	ANDHRA PRADESH
203	BAGALKOT	190	KARNATAKA
204	BIDAR	194	KARNATAKA
205	COIMBATORE	457	TAMILNADU
206	AURANGABAD	301	MAHARASHTRA
207	KARNAL	140	HARYANA
208	JULLUNDUR	395	PUNJAB
209	ALLAHABAD	503	UTTAR PRADESH
210	VARANASI	555	UTTAR PRADESH
211	JUNAGADH	111	GUJARAT
212	ANANTAPUR	4	ANDHRA PRADESH
213	GUNTUR	11	ANDHRA PRADESH
214	HYDERABAD	13	ANDHRA PRADESH
215	VISAKHAPATNAM	36	ANDHRA PRADESH
216	PONDICHERRY	633	PONDICHERRY
217	KALYAN	313	MAHARASHTRA
218	NASHIK	319	MAHARASHTRA
219	PARBHANI	321	MAHARASHTRA
220	PUNE	322	MAHARASHTRA
221	RATNAGIRI	323	MAHARASHTRA
222	Navi Mumbai (Vashi)	334	MAHARASHTRA
223	OOTACAMUND	472	TAMILNADU
224	SALEM	477	TAMILNADU
225	Bhopal	257	MADHYA PRADESH
226	CHHATARPUR	259	MADHYA PRADESH
227	INDORE	268	MADHYA PRADESH
228	KHANDWA	272	MADHYA PRADESH
229	KHARGONE	273	MADHYA PRADESH
230	SATNA	284	MADHYA PRADESH
231	AHMEDNAGAR	296	MAHARASHTRA
232	LATUR	316	MAHARASHTRA
233	NANDED	318	MAHARASHTRA
234	ALWAR	414	RAJASTHAN
235	Jaipur	428	RAJASTHAN
236	KAILASHAHAR	496	TRIPURA
237	ROURKELA	379	ORISSA
238	BARRACKPORE	565	WEST BENGAL
239	DEOGHAR	93	JHARKHAND
240	SOLAPUR	327	MAHARASHTRA
241	MOTIHARI	94	BIHAR
242	IMPHAL	338	MANIPUR
243	SHILLONG	344	MEGHALAYA
244	AIZAWL	351	MIZORAM
245	KOHIMA	357	NAGALAND
246	CUTTACK	372	ORISSA
247	KORAPUT	375	ORISSA
248	GANGTOK	448	SIKKIM
249	BURDWAN	567	WEST BENGAL
250	Kolkata	568	WEST BENGAL
251	COOCHBEHAR	570	WEST BENGAL
252	Malda	577	WEST BENGAL
253	MIDNAPORE	578	WEST BENGAL
254	SERAMPORE	581	WEST BENGAL
255	SILIGURI	582	WEST BENGAL
256	PORT BLAIR	597	ANDAMAN & NICOBAR ISLAND
257	CARNICOBAR	598	ANDAMAN & NICOBAR ISLAND
258	ALONG	589	ARUNACHAL PRADESH
259	ZIRO	591	ARUNACHAL PRADESH
260	PASIGHAT	592	ARUNACHAL PRADESH
261	TINSUKIA	57	ASSAM
262	BOKAROSTEEL CITY	68	JHARKHAND
263	DARBHANGA	72	BIHAR
264	JAMSHEDPUR	78	JHARKHAND
265	JHUMRI TELAIYA	79	JHARKHAND
266	MONGHYR	82	BIHAR
267	MUZAFFARPUR	83	BIHAR
268	NAWADAH	84	BIHAR
269	PATNA	85	BIHAR
270	PURNEA	86	BIHAR
271	RANCHI	87	JHARKHAND
272	NAHARLAGUN(ITANAGAR)	590	ARUNACHAL PRADESH
273	TAWANG	593	ARUNACHAL PRADESH
274	TEZU	594	ARUNACHAL PRADESH
275	HISSAR	137	HARYANA

Source: www.iibf.org.in

RULES AND SYLLABUS of Diploma of Banking and Finance

Eligibility:

Any person who is a graduate (in any discipline of study, including Arts, Science, Commerce, Engineering, Technology or Management) or above from any University recognized by UGC or students appearing for final year graduation will be eligible to enroll for the examination. (For the final year graduate students, the Diploma in Banking & Finance Certificate will be issued only on successful completion of the graduation course and production of Graduation Certificate)




Periodicity and Dates of Examination:

The examination will be held normally twice a year. The dates of the Examination will be notified on the web-site of the Institute at www.iibf.org.in




Enrolment Application Forms and Due Dates:

Enrolment Application/Examination Forms and Syllabus is available on the website of the Institute as given above or from any of the office/s of the Institute as per addresses given on the website. Enrolment Application Form/s for payment of CASH at Axis Bank are also available from any branch of the Axis Bank Ltd. (formerly UTI Bank Ltd.). Kindly note that Only Numbered Enrolment Apllication/Examination Forms avaialbel at Axis Bank or any of the Office/s of the Institute are to be used for making payment by CASH at any of the branches of Axis Bank Ltd.




Registration for Course and Examination and Fees:

Registration will be in two stages:

Stage 1 (Course Enrolment) : Candidates will be required to submit their Enrolment Application Form for the Diploma in Banking & Finance course against a payment of Fee of Rs.3,200/- upon which they will be given the Courseware and Examination Form for the Diploma in Banking & Finance.

Stage 2 (Examination Registration) : Candidates who are ready to appear for the examination should submit their Examination Form before the due date mentioned therein (viz., Due date for June Examination is 31st January and for December Examination is 31st July every year) against payment of Examination Fee of Rs.1,800/-. The Examination Fee is for one attempt for three subjects.




Mode of Payment and submission of applications:

The following options are available for submitting applications and making payments:

    On-line submission of Application (both for the course and examination) against making payment by Credit Card using Payment Gateway. For this facility, Click here.

   


    Submission of application form to the below mentioned address by making cash payment at any of the branches of the Axis Bank Ltd. (formerly, UTI Bank Ltd.) and attaching the Payment Receipt (IIBF's Copy) to the application. (List of AXIS BANK BRANCHES)

   


    Submission of application form with Demand Draft for the requisite amount drawn in favour of "Indian Institute of Banking & Finance" payable at the City where IIBF Zonal Office is located, viz., WZO-Mumbai; SZO-Chennai; NZO-New Delhi; EZO-Kolkata.

   

    Click here for New Addresses for submission of Enrolment and Examination Forms


Refund of Fees: No request for refund of fees will be entertained if the application forms submitted are found to be in order. Refund will be made for the application forms rejected.

Examination Centres: As per the list attached to the Application/given on the IIBF's website. Examination shall be conducted at any of the listed centres provided minimum 25 candidates enroll.


Photo Identity Card and Examination Admit Card:

All the candidates whose applications were accepted will be issued, well in advance, a Photo Identity Card and Examination Admit Card indicating the venue and time-table for the examination. The Examination Admit Card will also be available from the website of the Institute. The Photo Identity Card and Examination Admit Card should be produced in the examination hall for each appearance.




Medium of Examination:

The examination will be conducted through the medium of English only




Duration of Examination, Questions Pattern and Negative Marking:

Duration of the Examination would be 120 minutes for each subject. Approximately 120 multiple choice questions to be answered in each paper.

Negative marking

will be applied in case of wrong answers at half of inverse proportion to the number of choices given in the question. For example, 1 mark question with 4 choices will have 1/8 as negative mark, if answered wrongly.

The questions, of three difficulty levels, viz., basic, intermediate, and advanced level, are designed to test the following

    Knowledge

    Conceptual grasp

    Decision making

    Problem solving

    Case analysis

There could be a case study with a set of about 5 questions.




Passing Criteria:

    Pass: Minimum 50% or more marks in aggregate with 45% or more in individual subjects in a single attempt.

    First Class: 70% or more marks in first attempt.

    First Class with Distinction: 80% or more marks in the first attempt

Repeaters will not be eligible for First Class and Distinction titles.

All the successful candidates will be ranked in order of merit.

Candidates have to pass all 3 papers in single attempt to get the qualification.

Repeaters need to re-register for the examination and appear for all papers.




Mode of Examination:

Examination will be conducted in Off-line mode ONLY, effective from December 2008 Exam.





Declaration of Results:

Declaration of the results will be within four weeks from the last date of the examination.



Issue of Certificate:

Diploma in Banking & Finance Certificate, indicating Order of Merit, will be issued to the successful candidates within two weeks from the date of declaration of results.

RULES AND SYLLABUS of  Diploma of Banking and Finance

Verification of Marks:

No request for re-valuation of the candidate's paper will be entertained.

In case of off-line examination, if the candidate requires his/her marks to be verified, he/she may request the Institute accordingly. The request for verification of marks must be received in the Institute's Corporate Office at Mumbai within one month from the date of the declaration of the examination results. The candidate will have to pay a sum of Rs.150/- for the verification of marks for each subject of the diploma examination. The payment should be made by means of MICR crossed Demand Draft drawn in favour of " Indian Institute of Banking & Finance" and made payable at Mumbai. The candidates should write their Registration Number communicated to them on the Examination Admit Card on the reverse of the draft and on the application for verification of marks.



Source: www.iibf.org.in 

About the Banking Diploma

About the Banking Diploma

There will be a growing demand for qualified manpower for the banking and finance sector in the coming years on account of expansion of volume of business and large scale retirement of personnel. Banking and finance industry will require professionally qualified manpower endowed with banking and finance knowledge and skills together with technology-familiarity, customer-orientation and hands-on application skills who can be assigned to various desks/jobs with minimal training intervention at the bank level.

In view of the huge current as well as potential demand for the professionally qualified manpower for the banking and finance sector, and to ensure a steady stream of industry-ready professionals at the entry-level, IIBF has designed a professional qualification in banking and finance - titled "Diploma in Banking & Finance" for graduates in any discipline who aspire for a career in banking and finance

The course will give knowledge inputs to the candidates and expose them to the operational processes and modern banking environment so that they can man the counters at the bank from the first day of their joining the bank. It is expected that successful candidates of Diploma in Banking & Finance would have a competitive edge and will be absorbed by banks and financial institutions and Diploma in Banking & Finance would emerge as a preferred professional qualification with graduation for employment in banking and finance industry.

Hosting of the Resume of Successful candidates on IIBF's Website for employment:

IIBF will host on its website brief resume, with photograph of all the successful candidates and make it available to its Member Banks/Institutions which include Reserve Bank of India, State Bank of India and its Associate Banks, Public Sector Banks, Private Sector Banks, Foreign Banks, Co-operative Banks and IT/BPO Companies providing services to banking industry, for considering them for employment.

The Institute has taken up the issue of recognition of its Diploma with banks and some of the banks have already recognised Diploma in Banking & Finance as a desirable qualification for recruitment(refer to the Industry recognition sction). The process of recognition in other banks is underway.

Salient Features

    Diploma in Banking & Finance will impart banking and finance knowledge and skills together with technology-familiarity and customer-orientation.

    High quality academic rigour and specially prepared courseware.

    Candidates undertaking the course will have comprehensive and up-to-date knowledge in the subject of banking and finance. The Diploma offers practical insights into the subjects while, at the same time, emphasizes robust theoretical foundation.

    The course will make the candidates job ready.

    The course is so designed that most employers would value it for talent scouting.

    This will ensure that banks can reduce their post recruitment training intervention.

    The course is cost effective and at the same time high in quality. At an additional fee, candidates can seek educational support in the form of e-learning/virtual classes/contact classes.

    The diploma carries professional recognition among the banking and finance community as it is equivalent to banking industry recognized JAIIB qualification of IIBF.

    The certification is backed by a system of high professional standards of the Institute

Source: http://www.iibf.org.in

SYLLABUS FOR DIPLOMA IN BANKING AND FINANCE

SYLLABUS FOR DIPLOMA IN BANKING AND FINANCE

PAPER 1 - PRINCIPLES & PRACTICES OF BANKING

The Paper on Principles and Practice of Banking starts with an overview of Indian Financial System followed by modules which cover deposit, remittances, collection and allied services with emphasis on day to day operations. Special focus is given to Retail Banking which takes the participants through the concepts and processes of retail deposit and credit products in great detail. The flow of transactions in a centralized (Computerized) operating environment and delivery of services through multiple channels will be given adequate coverage to make the participants aware of the latest banking environment and practices.

The unit/chapter on Priority Sector Advances would give an overview of the rural economy and the special needs of the rural sector and the poorer sections of the society including Financial Inclusion. Micro Finance/SMEs/SHGs/Agriculture /SSI are also covered. The ways of meeting the financial needs of these sectors with innovative products and delivery methodologies are emphasized.

The Credit Module starts with understanding the financial needs of business entities and goes on to assessment of the requirements, structuring the assistance, delivering it, perfecting the security and managing the risk through proactive monitoring. Overview of capital market, money market, insurance and mutual funds and commodity exchanges are dealt with at the end.

The two modules on Marketing and Electronic Banking comprehensively covers marketing and selling, customer service, and IT skills with emphasis on CBS, internet banking, RTGS and other electronic products and channels to enhance the overall development of the participant.

The candidates would be able to acquire knowledge in the following:

    Various functions associated with banking.

    Practice and procedures relating to deposit and credit, documentation, monitoring and control.

    An insight into marketing of banking services and banking technology



Module A - Indian Financial System.

Recent developments in the Indian Financial system; market structure and financial innovation. RBI, SEBI, IRDA etc. their major functions Role and Functions of banks - Regulatory provisions/enactments governing banks Retail banking: Approach, products, marketing etc Wholesale Banking; international banking; Role and functions of Capital markets Role and Functions of Mutual Funds Role and Functions of Insurance Companies - Bancassurance Importance of risk management in banks-types of risk-impact and management Factoring & Forfaiting Alliances/mergers/consolidation ADR/GDR/Off Balance sheet items Participatory Notes Credit Information Bureau Ltd Fair Practices for Debt Collection Basel II Banking Codes and Standard Boards






Module B - Functions of banks

Deposits ;
Banker-Customer relations - Know your Customer[KYC] guidelines-Different Deposit Products - services rendered by Banks - Mandate and Power of attorney;Banker's lien - right of set off - garnishee order - Income tax attachment order etc.

Payment and collection of Cheque - duties and responsibilities of paying and collecting banker-protection available to paying and collecting banker under NI Act - endorsements - forged instruments - bouncing of cheques and their implications

Opening of accounts for various types of customers - minors - joint account holders - HUF - firms - companies - trusts - societies - Govt. and public bodies Importance of AML

Credit:

Principles of lending - various credit Products/ Facilities - working capital and term loans - Credit Appraisal Techniques - Approach to lending; - credit management - credit monitoring -NPA Management - Different types of documents; Documentation Procedures; Stamping of documents Securities - Different modes of charging - types of collaterals and their characteristics Priority Sector Lending - sectors - targets - issues/problems - recent developments - Financial Inclusion Agriculture/SMEs/SHGs/SSI/Tiny Sector financing New Products & Services -Factoring, Securitisation, bancassurance, Mutual Funds etc Credit Cards/Home Loans/Personal Loans/Consumer Loans-Brief outline of procedures and practices Ancillary Services: Remittances, Safe Deposit lockers etc.






Module C :Banking Technology

Electronic Banking- Core Banking -Electronic products- Core Banking Banking Technology - Distribution channels- - Teller Machines at the Bank Counters - Cash dispensers - ATMs - Anywhere Anytime Banking - Home banking (Corporate and personal) Electronic Payment systems On line Banking - Online enquiry and update facilities - Personal identification numbers and their use in conjunction with magnetic cards of both credit and debit cards, smart cards, signature storage and display by electronic means, cheque truncation, microfiche, note and coin counting devices. Electronic funds transfer systems - plain messages (Telex or data communication) - structured messages (SWIFT, etc...) - RTGS Information Technology - Current trends - Banknet, RBI net, Datanet, Nicnet, I-net, Internet, E-mail, etc...- Role and uses of technology up gradation - Global developments in Banking Technology - Information Technology in finance and service delivery Impact of Technology on Banks - Protecting the confidentiality and secrecy of data - effect on customers and service quality - Computer Audit -Information System Audit Information System Security and Disaster Management.





Module D -Support Services - Marketing of Banking Services/Products

Marketing Management - Meaning, Importance and Functions - Marketing of Services - Product Research & Development - Test marketing of bank products - Product Life Cycle - Product Modification - New Product Development - Packaging and Branding of bank products - Diversification - Pricing of bank products and services - Objectives, Strategies and Methods - Factors Influencing the Pricing Decisions, Importance of Pricing. Distribution - Factors Influencing - Direct and Indirect Channels of bank products - Physical Distribution - Channel Functions and Services - Promotion - Promotion Mix and Role of Promotion in Marketing - Marketing Information Systems.Role of DSA/DMA in Bank Marketing Channel Management Selling function in a bank Portfolio and Wealth Management Tele marketing/Mobile Phone banking



PAPER 2: ACCOUNTING & FINANCE FOR BANKERS

Objective:

The candidate would be able to acquire the knowledge of the basics of financial mathematics and basics of accountancy and develop an understanding of the basic financial concepts

Accounting & Finance for Bankers provides the basic Knowledge necessary to understand accounting principles and practices of different entities with special focus on banks and apply these numerical and accounting skills to aid decision making.




Module A - Basics of Business Mathematics

Calculation of simple Interest and compound interest -Fixed and Floating interest rates - calculation of EMIs - Calculation of front end and back end interest -Calculation of Annuities - Calculation of provisions for NPA and risk weights for Basel II - Interest calculation using products /balances

Amortization and Sinking Funds Bonds - Calculation of YTM - Duration - Bond Pricing - Premium and Discount - Bond valuation rules preliminary method, definition of debt, rules on compounding in respect of loan accounts, penal interest etc. Capital Budgeting - Discounted cash flow - net present value - pay back methods Depreciation - different types - methods of calculation Foreign Exchange Arithmetic for beginners






Module B - Accounting in Banks/Branches

Definition & Scope and Accounting Standards - Nature and purpose of accounting; historical perspectives - Origins of accounting principles - accounting standards and its definition and Scope. Generally Accepted Accounting Principles - USA Transfer Price mechanism

Basic Accountancy Procedures - Concepts of accountancy - entity going concern - double entry systems, Principles of conservatism - revenue recognition and realization - accrual and cash basis. Record keeping basics -account categories - debit and credit concepts - journalizing - Maintenance of Cash/ Subsidiary books and Ledger -Trial Balance - Adjusting and Closing entries - Day Book and General Ledger Posting






Module C - Bank Accounting and Balance Sheet

Rules for bank accounts, cash/clearing/transfer vouchers/system - subsidiary book and main day book - General Ledger -Branch v/s Bank Accounts Bank Balance Sheet Structure - accounts - categories -Assets, Liabilities and Net Worth Components. Accounting for NPA /Provisioning/Suit Filed Accounts Preparation of Final Accounts - Final Accounts of Banking Companies - . Disclosure requirements






Module D - Other Accounts

Partnership accounts - partner's fixed capital accounts - Current accounts - loan accounts - treatment of intangibles like goodwill - admission / retirement / death of partner - Company accounts - classes of Share Capital - issue/ forfeiture of Shares -issue of Bonus Shares Bank reconciliation statement - Capital & Revenue Expenditure/Depreciation/Inventory Valuation/Bill of Exchange / Consignment Account / Joint Venture - Special accounts - Leasing and Hire - Purchase Company accounts - Accounts of Non - Trading Concerns - Accounting from incomplete records - Receipts and Payments Account - Income and Expenditure Account. Ratio Analysis






Module E - Computerized Accounting

Accounting in electronic environment - methods - procedures - security - rectification Core banking environment is to be highlighted. Standard books maintained for different accounts are to be shown as model.






PAPER 3: LEGAL & REGULATORY ASPECTS OF BANKING OPERATIONS

Objectives:

The candidates would be able to acquire knowledge in

    the legal & regulatory framework of the banking system

    and the various laws and enactments affecting day to day Banking operations


Legal & Regulatory Aspects of Banking deals with related legal and regulatory aspects that has a bearing on Banking Operations and are woven in to the units/chapters to make their relevance easily understandable. Banking and Business laws in so far as they relate to day to day banking operations will also be covered at appropriate places. Case laws will be included, wherever appropriate.






Module A - Regulations and Compliance:

The questions in this section will be with reference to legal issues and problems

    Provisions of RBI Act 1935 ,Banking Regulation Act 1949 Banking Companies [Acquisition and transfer of undertakings Act 1970 & 1980]

    Government and RBI's powers
    - Opening of new banks and branch licensing - Constitution of board of directors and their rights - Banks share holders and their rights - CRR/SLR concepts - Cash/currency management - winding up - amalgamation and mergers - powers to control advances - selective credit control - monetary and credit policy - Audit and Inspection - supervision and control - board for financial supervision - its scope and role - disclosure of accounts and balance sheets - submission of returns to RBI etc Corporate Governance





Module B - Legal aspects of banking operations

Case laws on responsibility of paying /collecting banker Indemnities/guarantees - scope and application - obligations of a banker - pre cautions and rights-laws relating to bill finance, LC and Deferred Payments - Laws relating to securities - valuation of securities - modes of charging securities - lien, pledge, mortgage, hypothecation etc - registration of firms/companies - creation of charge and satisfaction of charge






Module C - Banking Related Laws

Law of limitation Provisions of Bankers Book Evidence Act Special features of Recovery of Debts Due to Banks and Financial Institutions Act, 1993 TDS Banking Cash Transaction tax Service Tax Asset Reconstruction Companies The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 The Consumer Protection Act, 1986 Banking Ombudsman Lok Adalats Lender's Liability Act






Module D - Commercial Laws with reference to banking operations

Indian Contract Act, 1872 (Indemnity, Guarantee, Bailment, Pledge and Agency etc) The Sale of Goods Act, 1930 (Sale and Agreement to Sell, Definitions, Conditions and Warranties, Express and Implied, Right of unpaid Seller etc) The Companies Act, 1956 Definition, features of company, Types of Companies, Memorandum, Articles of Association, Doctrines of Ultravires, indoor management and constructive notice, membership of company - acquisition - cessation, rights and duties of members and register of members. Prospects and directors.

Indian Partnership Act, 1932 Definition and types of partnership, relation of partners to one another - Relation of partners to third parties, Minor admitted to the benefits of Partnership, Dissolution of firm, Effect of non - registration Foreign Exchange Management Act 2000.Prevention of Money Laundering Act Right to Information Act Information Technology Act





Recommended Reading:

    The Institute has prepared comprehensive study material in the form of kits to facilitate preparation for the examination without intervention of teacher. An attempt has been made to cover fully in the write-ups the syllabus prescribed for each subject/paper. The presentation of topics in the self-study material may not always be in the same sequence as given in the syllabus.

    Candidate are also expected to take note of all the latest developments relating to the subjects covered in the syllabus by referring to Economic Journals, Financial Papers, latest books and publications on the subjects concerned.





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