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CAIIB Syllabus 2024

CAIIB Syllabus for the Certified Associate of Indian Institute of Bankers is now accessible on the official website of IIBF, www.iibf.org.in. Individuals in the banking and financial sector aiming for CAIIB certification should familiarize themselves with the CAIIB Syllabus 2024. The syllabus for both the Compulsory and Elective Papers of CAIIB has been outlined to enrich the course’s relevance and give greater emphasis to conceptual understanding. Since the syllabus serves as a crucial tool for effective exam preparation, we have provided a detailed module-wise CAIIB Syllabus 2024.

IIBF CAIIB Syllabus & Exam Pattern 2024

In the CAIIB Syllabus 2024, there are four mandatory subjects and five Elective Papers. Among the five Elective Papers, candidates are required to select one according to their preference. Below, we have provided a list of both the Compulsory and Elective Subjects for CAIIB.

CAIIB Syllabus: CAIIB Compulsory Subjects:

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

CAIIB Syllabus: CAIIB Elective Subjects:

  • Rural Banking
  • Human Resources Management
  • Risk Management
  • Central Banking
  • Information Technology and Digital Banking

CAIIB Syllabus 2024 For Compulsory Papers

The CAIIB Syllabus 2024 comprises four mandatory papers: Advanced Bank Management (ABM), Bank Financial Management (BFM), Advanced Business and Financial Management (ABFM), and Banking Regulations and Business Laws (BRBL). Each of these papers is subdivided into multiple modules, comprising various topics and their corresponding sub-topics.

CAIIB Syllabus Paper 1Advanced Bank Management (ABM)

CAIIB Syllabus Paper 1 Advance Bank Management (ABM) includes 4 modules. Statistics, Human Resource Management, Credit Management & Compliance in Banks & Corporate Governance. The detailed syllabus is mentioned below

Module A: Statistics

Paper 1- Module A: STATISTICS
Topic Subtopics
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 & Tabulation – Frequency Distribution
Sampling Techniques Random Sampling – Sampling Distributions – Sampling from Normal Populations – Sampling from Non-Normal Populations – Central Limit Theorem – Finite Population Multiplier
Measures of Central Tendency & Dispersion, Skewness and 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
Correlation and Regression Scatter Diagrams – Correlation – Regression – Standard Error of Estimate
Time Series Variations in Time Series – Trend Analysis – Cyclical Variation – Seasonal Variation – Irregular Variation – Forecasting Techniques
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
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
Linear Programming Graphic Approach – Simplex Method
Simulation Simulation Exercise – Simulation Methodology

Module B: Human Resource Management

Paper 1- Module B: HUMAN RESOURCE MANAGEMENT
Topic Subtopics
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 HRD and its Subsystems – Learning and Development – Role and Impact of Learning – Attitude Development – Career Path Planning – Self-Development – Talent Management – Succession Planning
Human Implications of Organisations Human Behaviour and Individual Differences – Employees Behaviour at Work – Diversity at Workplace and Gender Issues – Theories of Motivation and their Practical Implications – ‘Role’: Its Concept & Analysis
Employees’ Feedback and Reward System Employees’ Feedback – Reward and Compensation System
Performance Management Appraisal Systems – Performance Review and Feedback – Counselling – Competency Mapping and Assessment of Competencies – Assessment Centres – Behavioural Event Interview (BEI)
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
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

Module C: Credit Mangement

Paper 1- Module C: CREDIT MANAGEMENT
Topic Subtopics
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
Analysis of Financial Statements Which are the Financial Statements – 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 – Rearranging the Financial Statements for Analysis – Techniques used in Analysis of Financial Statements – Creative Accounting – Related Party Transactions
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
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
Credit Delivery and Straight Through Processing 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
Credit Control and Monitoring Importance and Purpose – Available Tools for Credit Monitoring/Loan Review Mechanism (LRM)
Risk Management and Credit Rating – Meaning of Credit Risk – Factors Affecting Credit Risk – Steps Taken to Mitigate Credit Risks – Credit Ratings – Internal and External Ratings – Methodology of Credit Rating – Use of Credit Derivatives for Risk Management – RBI guidelines on Credit Risk Management – Credit Information System
Restructuring/Rehabilitation and Recovery Credit Default/Stressed Assets/NPAs – Wilful Defaulters – Non-cooperative borrowers – 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 – To Whom the Code is Applicable – Legal Elements of the Code – Paradigm Shift – Corporate Insolvency Resolution Process – Liquidation process – Pre-packed Insolvency Resolution Process for stressed MSMEs

Module D: Compliance in Banks & Corporate Governance

Paper 1- Module D: COMPLIANCE IN BANKS & CORPORATE GOVERNANCE
Topic Subtopics
Compliance Function in Banks Compliance Policy – Compliance Principles, Process and Procedures – Compliance Programme – Scope of Compliance Function – Role & Responsibilities of Chief Compliance Officer (CCO)
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
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 – Reporting Framework and Monitoring Compliance – Role of Inspection and Audit – Loan Review Mechanism/Credit Audit – What is Good Compliance
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
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)
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 Banks

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CAIIB Syllabus Paper 2: Bank Financial Management (BFM)

IIBF CAIIB Syllabus Paper 2 Bank Financial Management (BFM) includes the four modules

Module A: International Banking

Paper 2- Module A: INTERNATIONAL BANKING
Topic Subtopics
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
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
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
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
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
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
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 – Some of the Common “To Do Points” under ECGC Policies – Claims
Role of EXIM Bank, 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 – Short Notes on Other Topics: ECB and ADR/GDRs and FCCB;
International Financial Service Centres (IFSC), GIFTCity 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
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

Module B: Risk Management

Paper 2- Module B: RISK MANAGEMENT
Topic Subtopics
Risk and Basic Risk Management Framework What is Risk? – Linkages among Risk, Capital and Return – Why Risk Management? – Basic Risk Management Framework
Risks in Banking Business Risk Identification in Banking Business – The Banking Book – The Trading Book – Off-Balance Sheet Exposures – Banking Risks – Definitions
Risk Regulations in the 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)
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
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)
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
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
Basel III Framework on Liquidity Standards Liquidity Coverage Ratio – Liquidity Risk Monitoring Tools – Net Stable Funding Ratio

Module C: Treasury Management

Paper 2- Module C: TREASURY MANAGEMENT
Topic Subtopics
Introduction to Treasury Management The Concept – Functions of Integrated Treasury – The Process of Globalisation – Evolving Role of Treasury as Profit Centre – Organisation of Treasury
Treasury Products Products of Foreign Exchange Markets – Money Market Products – Securities Market Products – Domestic and Global Markets
International Equity and Debt Products Regulatory Environment – Global Depository Receipts – Indian Depository Receipts – External Commercial Borrowings – Trade Credits – Rupee Denominated Bonds
Funding and Regulatory Aspects Reserve Assets: CRR and SLR – The Liquidity Adjustment Facility (LAF) – Payment and Settlement Systems
Treasury Risk Management Supervision and Control of Treasury – Market Risk and Credit Risk – Risk Measures: VaR and Duration – Use of Derivatives in Risk Management
Derivative Products Derivatives and the Treasury – OTC and Exchange Traded Products – Forwards, Options, Futures and Swaps – Interest Rate and Currency Swaps
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

Module D: Balance Sheet Management

Paper 2- Module D: BALANCE SHEET MANAGEMENT
Topic Subtopics
Components of Assets and Liabilities Components of a Bank’s Balance Sheet – What is Asset Liability Management? – Significance of Asset Liability Management – Purpose and Objectives of Asset Liability Management – ALM as Co-ordinated Balance Sheet Management
Capital Adequacy – Basel Norms Scope of Application – Pillar-1 – Minimum Capital Requirements – Pillar 2- Supervisory Review Process – Pillar 3 – Market Discipline
Asset Classification and Provisioning Norms Asset Classification – Provisioning Norms
Liquidity Management Definition – Dimensions and Role of Liquidity Risk Management – Measuring and Managing Liquidity Risk
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
RAROC and Profit Planning Profit Planning – Risk Aggregation and Capital Allocation – Economic Capital and RAROC

CAIIB Syllabus 2024, IIBF CAIIB Syllabus Download PDF_30.1

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

CAIIB Paper 3 Advanced Business & Financial Management also contains four vast modules

Module A: The Management Process

Paper 3- Module A: THE MANAGEMENT PROCESS
Topic Subtopics
Basics of Management Definition of Management – The Management Process – Functions of Management – Importance of Management – Management Thoughts & Approaches – Management Challenges & Opportunities – Introduction to Strategic Management – Business Environment Analysis
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
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
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
Directing Characteristics of directing – Importance of directing – Elements of directing – Leadership – Motivation – Communication – Supervision
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

Module B: Advanced Concepts of Financial Management

Paper 3- Module B: ADVANCED CONCEPTS OF FINANCIAL MANAGEMENT
Topic Subtopics
Sources of Finance and Financial Strategies Equity Capital – Internal Accruals – Preference Capital – Term Loans – Debentures – Alternative Financing Strategies in the Context of Regulatory Requirements
Financial and Operating Leverages Financial Leverage – Degree of Financial Leverage and its Behaviour – Operating Leverage – Degree of Operating Leverage and its Behaviour – Combined or Total Leverage
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
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 – 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 evaluation of overseas projects – Evaluation methods – Impact of transfer pricing
Adjustment of Risk and Uncertainty in Capital Budgeting Decision – 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
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

Module C: Valuation, Mergers & Acquisitions

Paper 3- Module C: VALUATION, MERGERS & ACQUISITIONS
Topic Subtopics
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
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
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
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
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
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

Module D: Emerging Business Solutions

Paper 3- Module D: EMERGING BUSINESS SOLUTIONS
Topic Subtopics
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
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
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
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
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
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
Special Purpose Acquisition Company – 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

 

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

CAIIB Syllabus Paper 4 of Banking Regulations & Business Laws (BRBL) has four modules, explained in detail below

Module A: Regulations & Compliance

Paper 4- Module A: REGULATIONS & COMPLIANCE
Topic Subtopics
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
Control over Organisation of Banks Licensing of Banking Companies including 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
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
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 Offences
Different Types of Banks Public Sector Banks – Private Sector Banks – Regional Rural Banks – Differentiated Banks and Co-operative Banks – Local Area Banks – State Bank of India – Regional Rural Banks – Other Public Sector Banks – Application of Banking Regulation Act to Public Sector Banks – Disinvestment of Shares by Government – Co-operative Banks – Private Sector Banks – Differentiated Banks – Local Area Banks
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 PSA
Financial Sector Legislative Reforms and Financial Stability and Development Council Narasimham Committees 1/2 – 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

Module B: Important Laws/Acts & Legal Aspects of Banking Operations- Part A

Paper 4- Module B: IMPORTANT LAWS/ACTS & LEGAL ASPECTS OF BANKING OPERATIONS- Part A
Topic Subtopics
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
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
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
Payment & Settlement Systems Act, 2007 Definitions – Designated Authority/Authorization – Regulation and Supervision by the RBI – Settlement and Netting – Power of RBI to make regulations
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
Law Relating to Securities and Modes of Charge – II Appropriation – Assignment – Pledge – Hypothecation – Bankers 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 C: Important Laws/Acts & Legal Aspects of Banking Operations- Part B

Paper 4- Module C: IMPORTANT ACTS/LAWS & LEGAL ASPECTS OF BANKING OPERATIONS- PART B
Topic Subtopics
Reserve Bank – Integrated Ombudsman Scheme, 2021 Coverage and Definitions – Ombudsman–Appointment/Location of Offices/Establishment of a Centralized Receipt and Processing Centre – Procedure for Redressal of Grievance – Procedure for Filing a Complaint / its Initial Scrutiny and Resolution – Passing of an Award and Right to Prefer to Appeal – Suspension of the Scheme
The Micro, Small and Medium Enterprises Development Act, 2006 Coverage and Definitions – Summary of Regulation – National Board for Micro, Small and Medium Enterprises (NBMSME)/Advisory Committee – Memorandum of Micro, Small and Medium Enterprises – Delayed Payments to Micro and Small Enterprises – Micro and Small Enterprises Facilitation Council and Reference to the Council in case of Disputes – Disclosures and Penalty for Contravention of the Provisions of the Statute
Introduction to Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act, 2002) Constitutional Validity of the Act – Definitions Under SARFAESI Act, 2002 – Preamble, Appellate Tribunal, Asset Reconstruction, Bank, Board, Borrower, Central Registry, Debt Recovery Tribunal, Default, Financial Assistance, Financial Asset, Financial Institution, Hypothecation, Non-performing Asset, Originator, Obligor, Property, Qualified Institutional Buyer, Scheme, Securitization, Security Agreement, Secured Asset, Secured Creditor, Secured Debt, Security Interest, Security Receipt, Sponsor
Regulation of Securitisation and Reconstruction of Financial Assets of Banks and Financial Institutions Registration of Asset Reconstruction Company, Cancellation of Certificate of Registration, Acquisition of Rights of Interest in Financial Assets, Notices to Obligor and Discharge of Obligation of Such Obligor, Issue of Security Receipts and Raising of Funds by Securitization or Reconstruction Company, Exemption from Registration of Security Receipt, Measures of Assets Reconstruction, Other Functions of the Securitization Company or Reconstruction Company, Resolution of Dispute, Powers Available with RBI
Enforcement of Security Interest Enforcement of Security Interest, Chief Metropolitan Magistrate or District Magistrate’s Assistance for Taking Possession of Secured Asset, Manner and Effect of Takeover of Management, No Compensation to Directors for Loss of Office, Application against Measures to Recover Secured Debt, Appeal to Appellate Authority, Right of the Borrower for Compensation and Costs
Central Registry Central Registry, Central Registrar, Register of Securitization, Reconstruction and Security Interest Transactions, Filing of Transactions of Securitization, Reconstruction and Creation of Security Interest, Modification of Security Interest Registered, Satisfaction of Security Interest, Right to Inspect Particulars of Securitization, Reconstruction of Security Interest Transactions
Offences and Penalties Penalties, Penalties for Non-compliance of Directions of Reserve Bank of India, Offences, Cognizance of Offences, Power of Adjudicating Authority to Impose Penalty/Appeals against Penalty and Adjudicating Appellate Authority
Miscellaneous Provisions Non-Applicability of the Provisions of the SARFAESI Act in Certain Cases, Exemption of Certain Classes of Banks /Financial Institutions, Protection of Action Taken in Good Faith, Offences by Companies, Civil Court not to have Jurisdiction, Overriding Effect on Other Laws, Limitation, Power of the Central Government to Make Rules, Amendments to Certain Other Enactments
Registration of Security Interest by Secured Creditors and Other Creditors/ Rectification by Central Government in Some Cases Registration by Secured Creditors and Other Creditors, Rectification by Central Government in Matters of Registration, Effect of the Registration of Transactions, Right of Enforcement of Securities and Priority Allowed to Secured Creditors
The Recovery of Debts and Bankruptcy Act, 1993 Constitutional Validity of the Act, Extent, Commencement, Application and Definitions – Establishment of Tribunal and Appellate Tribunal – Jurisdiction, Powers & Authority of Tribunals – Procedure of Tribunals – Recovery of Debts Determined by Tribunal and Miscellaneous Provisions
Introduction to the Insolvency and Bankruptcy Code, 2016 Definitions, Coverage, Pillars of IBC, 2016, The Insolvency Resolution Process for Companies and Limited Liability Entities, Corporate Insolvency Resolution Process (CIRP), Initiation of Corporate Insolvency Resolution Process by a Financial Creditor, Suspension of Initiation of CIRP, Persons not Entitled to Make Application, Time – Limit for completion of Insolvency Resolution Process and withdrawal of application admitted under the Code, Declaration of Moratorium and Public Announcement by the Adjudicating Authority, Appointment/Tenure of the Interim Resolution Professional, Committee of Creditors, Appointment of Resolution Professional, Liquidation, Order of Priority of Payment of Debts, Fast Track Insolvency Resolution Process, Voluntary Liquidation of Corporate Person
The Bankers’ Books Evidence Act, 1891 Applicability and Definitions, Conditions in the Printout, Mode of Proof of Certain Entries in Bankers’ Books, Case in which Officer of Bank not Compellable to Produce Books, Inspection of Books by Order of Court or Judge, Costs of Application
The Legal Services Authorities Act, 1987: Lok Adalats Organization of Lok Adalats, Jurisdiction of Lok Adalats, Cognizance of Cases by Lok Adalats, Disposal of Cases by Lok Adalats, Nature of Award of the Lok Adalats and Powers
The Consumer Protection Act, 2019 Definitions, Unfair Contract and Unfair Trade Practice, Central, State and District Consumer Protection Councils, Central Consumer Protection Authority, District, State and National Consumer Disputes Redressal Commission, Ministry of Consumer Affairs, Food and Public Distribution (Department of Consumer Affairs) Notification dated 30th December, 2021, Finality of Orders and Limitation Period, Consumer Mediation Cell
The Law of Limitation Definitions, Limitation and Its Computation, Computation of the Period of Limitation, Acts Giving Rise to Fresh Period of Limitation, Certain Important Provisions in Schedule to the Limitation Act
Tax Laws Income Tax, Commodity Transaction Tax, Goods and Services Tax

Module D: Commercial & Other Laws with Reference to Banking Operations

Paper 4- Module D: COMMERCIAL & OTHER LAWS WITH REFERENCE TO BANKING OPERATIONS
Topic Subtopics
Meaning and Essentials of a Contract Meaning of Contract, Key Components to Form a Contract, Essentials of a Valid Contract, Contract Act and Banking
Contracts of Indemnity Rights of Indemnity Holder, Implied Indemnity, Enforceability of Contract of Indemnity
Contracts of Guarantee Parties to the Contract, Basic Principles of Contract, Consideration, The Liability of the Surety, Continuing Guarantee, Death of Surety, Variance in Terms, Discharge of Principal Debtor, Forbearance to Sue, Release of Co-surety, Surety’s Dues, Security, Misrepresentation, Implied Promise, Co-sureties, Revocation
Contract of Bailment Meaning, Essential Features, Bailor’s Disclosure, Bailee’s Care of Goods, Mixing of Goods, Duties of Bailee, Bailee’s Lien
Contract of Pledge Ingredients, Nature, Pledge by Way of Hypothecation, Pledge by Pledgee
Contract of Agency Definition, Essential Characteristics, Rules, Types of Agents, Rights and Duties of the Agent and Principal
Meaning & Essentials of a Contract of Sale Important Terms Defined, Features, Sale vs Agreement to Sell, Distinction
Conditions and Warranties Meaning, Implied Conditions and Warranties
Unpaid Seller Rights of an Unpaid Seller
Definition, Meaning and Nature of a Partnership Meaning, Essential Characteristics, Types, Limited Liability Partnership (LLP)
Relations of Partners General Duties, Duty to Indemnify, Rights and Duties by Contract, Conduct of Business, Mutual Rights and Liabilities, Property of the Firm, Profits, Rights and Duties
Relations of Partners to Third Parties Partner as Agent, Implied Authority, Extension and Restriction of Authority, Partner’s Liability, Firm’s Liability, Firm’s Misapplication, Holding Out, Rights of Transferee
Minor Admitted to the Benefit of a Partnership Legal Position, Retirement, Insolvency
Dissolution of a Firm Causes, Modes, Liabilities
Effect of Non-Registration Registration
Definition and Features of a Company Features, Distinction from Partnership
Types of Companies Mode of Incorporation, Liability, Public Interest, Holding and Subsidiary
Memorandum of Association and Articles of Association Definitions, Effect, Distinction
Doctrines of Ultra Vires/Constructive Notice/Indoor Management Definitions, Effects, Constructive Notice, Indoor Management
Membership of Company Who is a Member, Modes of Becoming Member, Cessation, Register, Rights and Duties
Prospectus Definition, Compliance, Mis-statements, Remedies
Directors Minimum Number, Appointment, Retirement, Rights, Duties, Powers, Compensation
Limited Liability Partnership Act, 2008 Definitions, Incorporation, Partners and Relations, Conversion
Transfer of Property Act, 1882 Sale of Immovable Property, Mortgage, Leases, Actionable Claims
The Right to Information Act, 2005 Applicability, Definitions
Right to Information & Obligations of Public Authorities Obligations of Public Authorities, Procedure, Disposal of Request, Appeal, Penalties
Information Technology Act, 2000 Definitions, Electronic Governance, Certifying Authorities, Digital Signature, Certificates, Penalties, Appeal, Investigation, Critical Information Infrastructure –Protected System, Application to Electronic Cheque and Truncated Cheque
Prevention of Corruption Act, 1988 Definitions, Special Judges, Offences, Penalties, Fixing of Fines, Persons authorized to investigate,
Powers to inspect ‘Bankers Books’, Appeal and Revision Investigation, Powers, Appeal

 

CAIIB Syllabus 2024, IIBF CAIIB Syllabus Download PDF_40.1

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