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CAIIB Syllabus 2025 and Exam Pattern, Compulsory and Elective Subjects

Appearing for the CAIIB Exam and do not know where to start? Then you are at the right place. CAIIB is conducted twice a year, and IIBF has provided the official CAIIB Syllabus along with guidelines on the number of attempts and minimum qualifying marks required to qualify for the exam. The CAIIB Syllabus and Exam Pattern 2025 is designed to enhance the professional knowledge of banking employees and officers. It covers advanced concepts of banking, finance, management, banking regulations & business, helping candidates gain expertise beyond the basics. Let’s check the syllabus in detail below.

CAIIB Syllabus 2025

Candidates who wish to progress their careers in the banking and finance sector must qualify in this exam. The CAIIB 2025 Exam consists of 4 compulsory and 1 Elective paper. Each paper is of 100 marks, carrying 100 questions in multiple-choice format. There is no negative marking for incorrect answers, so candidates can answer freely. Check the names of all CAIIB Papers below.

Compulsory Paper

  • 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)

Elective Paper

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

CAIIB Exam Date 2025 Out- Click to Check

CAIIB Syllabus and Exam Pattern Highlights

Check the major highlights of the CAIIB Exam Pattern and syllabus below:

Particulars Details
Exam Conducting Body
Indian Institute of Banking & Finance (IIBF)
Papers
4 Compulsory + 1 Elective
Mode of Exam
Online (Computer-Based Test)
Type of Questions
Multiple Choice Questions (MCQs)
Total Questions 100 per paper
Marks
100 marks per paper
Duration
2 hours per paper
Negative Marking none

CAIIB Exam Pattern 2025

It is important for the candidates to get familiar with the CAIIB Exam Pattern 2025 as it is the complete structure of the examination. It includes the marking scheme, subjects, number of questions, and marks. There are 100 questions and 100 marks in each subject which the candidates need to answer.

CAIIB Exam Pattern 2025
Subjects No. of Questions  Marks  Duration 
Advanced Bank Management(ABM) 100 100 2 hour
Bank Financial Management (BFM) 100 100 2 hour
Advanced Business and Financial (ABFM) Management 100 100 2 hour
Banking Regulations and Business Laws (BRBL) 100 100 2 hour
Elective Paper (Any One) 100 100 2 hour

The questions that will be asked in the examination will be related to the following points.

  1. Knowledge testing
  2. Problem-solving
  3. Conceptual grasp
  4. Case analysis
  5. Analytical/ logical exposition

CAIIB Syllabus 2025 for Compulsory Papers

There are two papers under the Compulsory Paper section, and the details of the CAIIB Syllabus 2025 are provided in the points below.

CAIIB Paper 1: Advanced Bank Management(ABM)

There are 4 modules in paper 1 (Advanced Bank Management ), given below:

  1. Module A: Statics
  2. Module B: Human Resource Management
  3. Module C: Credit Management
  4. Module D: Compliance in Banks & Corporate Governance

Module A: Statistics

The topics included in the Module A has been mentioned in the table mentioned in the table given below.

Advanced Bank Management(ABM): Module A
Topics Sub-Topics
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
Sampling Techniques
  • Random Sampling
  • Sampling Distributions
  • Sampling from Normal Populations
  • Sampling from Non-Normal Population
  • Central Limit Theorem
  • Finite Population Multiplier
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
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

The details of the Human Resource Management have been mentioned below for the candidates.

Advanced Bank Management(ABM): Module B
Topics Sub-Topics
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
  • Development of HR Functions in India
  • 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 Organizations
  • Human Behaviour and Individual Differences
  • Employees Behaviour at Work
  • Diversity in the Workplace and Gender Issues
  • Theories of Motivation and Their Practical Implications
  • ‘Role’: Its Concept & Analysis
Employee 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
  • 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 Management

The details of the topics and subtopics for credit management have been given in the table below.

Topics Sub-Topics
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 the 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 the Analysis of Financial
  • Statements by Bankers
  • Rearranging the Financial Statements for Analysis
  • Techniques used in the 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
    Willful Defaulters
  • Noncooperative 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
  • Prepacked Insolvency Resolution
  • Process for stressed MSMEs

Module D: Compliance in Banks & Corporate Governance

The topics and subtopics for compliance in Banks and Corporate Governance have been mentioned in the table given below.

Topics Sub-Topics
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 Their 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
Compliance Culture and GRC Framework
How to Create a Compliance Culture Across the Organisation
Governance, Risk and Compliance (GRC) Framework
Benefits of an Integrated GRC Approach
Whistleblower Policy
The Components of a Whistleblower Policy
Reasons for Compliance Failures
Compliance Function and Role of CCO 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 (NBFCUL & NBFCML)
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

Paper 2: Bank Financial Management (BFM)

Paper 2 include International Banking, Risk Management, Treasury Management, and Balance Sheet Management. Check the module-wise topics below:

Module A: International Banking

Unit Topics Covered
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 & Examples
Liberalized Remittance Scheme (LRS) and Other Remittances
• Capital Account & Current Account Transactions
• FEMA Sections & LRS
• Permissible/Non-permissible Remittances
• Operational Guidelines
• LRS for Current Account Transactions
• Tax Collected at Source (TCS)
• LRS & Capital Account Transactions
• Reporting Requirements
Correspondent Banking & NRI Accounts
• Correspondent Banking – Accounts & Services
• Nostro, Vostro, and Loro Accounts
• Electronic Payment Modes – SWIFT, CHIPS, CHAPS, RTGS
• NRI Banking – Rupee & Foreign Currency Accounts
• Facilities for NRIs
• Advances against Deposits
• Housing Loans to NRIs
Documentary Letters of Credit
• Definition & Types of LCs
• UCP 600 & Key Articles
• Rights & Liabilities of Parties
• Documents under LC – Scrutiny, Crystallization, Follow-up
• Risks in LC Transactions
• Standby LC & URR–725
• ISBP 745
• Incoterms
• Export-Import Facilities & Guidelines (EDPMS, IDPMS)
• Export/Import Finance, Trade Credit, Factoring & Forfaiting
• Case Studies on Export Finance
External Commercial Borrowings & Foreign Investments
• ECB Concepts & Reporting Requirements
• Conversion of ECB into Equity
• Foreign Investments – Key Concepts
• Eligible Investors, Entities, and Instruments
• Prohibited Sectors
• Rules on Pledge of Shares
• NDI Rules Snapshot
• Documentation for Investments & Refunds
Risks in Foreign Trade & Role of ECGC
• Risks in International Trade
• Country Risk
• Export Credit Insurance & ECGC Products
• ECGC Policies for Banks
• “To Do Points” under ECGC
• Role of EXIM Bank & RBI
• FEMA 1999, FEDAI Rules
Short Notes on Other Topics
• ECB, ADR/GDRs, FCCBs
• IFSC & GIFT City – Scope, Opportunities, IBUs
• Role of IFSCA & Regulatory Framework
• Relaxations for FPIs
• Technology in International Banking
• Digitization & FINTECH Evolution
• Blockchain in International Trade
• Challenges in FINTECH

Module B: Risk Management

Unit Topics Covered
Risk and Basic Risk Management Framework
• What is Risk?
• Linkages among Risk, Capital, and Return
• Why Risk Management?
• Basic Risk Management Framework
Risks in the 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
• Necessity & Goals of Regulation
• Risk-based Regulation in a Changing Environment
• Basel I – The Basel Capital Accord
• 1996 Amendment for Market Risk
• Basel II – Need, Goals, and Framework
• Transition to Basel III
• Capital Charge for Credit, Market & Operational Risks
• Pillar 2 – Supervisory Review
• Pillar 3 – Market Discipline
• Capital Conservation Buffer
• Leverage Ratio
• Countercyclical Capital Buffer
• Systemically Important Financial Institutions (SIFIs)
• Risk-Based Supervision (RBS)
Market Risk
• Concept of Market Risk
• Market Risk in Banks
• Market Risk Management Framework
• Organisation Structure
• Risk Identification, Measurement & Monitoring
• Risk Control & Reporting
• Managing Trading Liquidity
• Risk Mitigation
Credit Risk
• General Overview
• Credit Risk Management Framework
• Organisation Structure
• Risk Identification, Measurement & Monitoring
• Transaction-level Guidelines & Portfolio-level Controls
• Active Credit Portfolio Management
• Loan Review Mechanism (LRM)
• Credit Risk Mitigation
• Securitisation
Credit Derivatives, Operational Risk & Integrated Risk Management
• Credit Derivatives (CDs)
• Operational Risk – General & Classification
• Operational Risk by Event Type – Definitions
• Operational Risk Management Practices
• Processes & Framework
• Risk Monitoring & Mitigation
• Scenario Analysis
• Integrated Risk Management – Necessity, Challenges & Approach
Liquidity Risk Management
• Importance of Liquidity Risk Management
• Liquidity Risk Drivers & Types
• Principles of Sound Liquidity Risk Management
• Governance, Policies & Strategies
• Ratios for Liquidity Risk
• Stress Testing & Contingency Funding Plans
• Overseas Operations – Indian & Foreign Banks
• Liquidity Across Currencies
• MIS & RBI Reporting
• Internal Controls
Basel III Liquidity Standards
• Liquidity Coverage Ratio (LCR)
• Liquidity Risk Monitoring Tools
• Net Stable Funding Ratio (NSFR)

Module C: Treasury Management

Unit Topics Covered
Introduction to Treasury Management
• Concept & Functions of Integrated Treasury
• Process of Globalisation
• Treasury as a Profit Centre
• Organisation of Treasury
Treasury Products
• Products of Foreign Exchange Markets
• Money Market Products
• Securities Market Products
• Domestic and Global Markets
International Equity & Debt Products
• Regulatory Environment
• Global Depository Receipts (GDRs)
• Indian Depository Receipts (IDRs)
• External Commercial Borrowings (ECBs)
• Trade Credits
Rupee-Denominated Bonds, Funding & Regulatory Aspects
• Reserve Assets – CRR & SLR
• Liquidity Adjustment Facility (LAF)
• Payment and Settlement Systems
Treasury Risk Management
• Supervision & Control of Treasury
• Market Risk
• Credit Risk
Risk Measures
• Value at Risk (VaR)
• Duration
• Derivatives in Risk Management
Derivative Products
• Derivatives & Treasury
• OTC vs Exchange-Traded Products
• Forwards, Options, Futures & Swaps
• Interest Rate & Currency Swaps
• Indian Market Developments & RBI Guidelines on Risk Exposure
Treasury & Asset-Liability Management (ALM)
• Meaning of ALM
• Liquidity Risk & Interest Rate Risk
• Role of Treasury in ALM
• Use of Derivatives in ALM
• Credit Risks & Credit Derivatives
• Transfer Pricing
• Policy Environment

Module D: Balance Sheet Management

Unit Topics Covered
Components of Assets & Liabilities in a Bank’s Balance Sheet and Their Management • Components of a Bank’s Balance Sheet
• What is Asset Liability Management (ALM)?
• Significance of ALM
• Purpose & Objectives of ALM
• ALM as Coordinated Balance Sheet Management
Banking Regulation & 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
Asset Classification & Provisioning Norms • Asset Classification
• Provisioning Norms
Liquidity Management • Definition of Liquidity Management
• Dimensions & 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 Techniques for Interest Rate Risk
• Strategies for Controlling Interest Rate Risk
• Controls & Supervision
• Sound Practices for Interest Rate Risk Management
• RBI Draft Guidelines on Interest Rate Risk in Banking Book
RAROC & Profit Planning • Profit Planning
• Risk Aggregation & Capital Allocation
• Economic Capital & RAROC

Paper 3 Advanced Business and Financial Management (ABFM)

Module A: The Management Process

Unit Topics Covered
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 & Disadvantages of Planning
• Management by Objectives (MBO)
• Plan Components
• Contingency Planning
• Forecasting & Decision Making
Organizing • Introduction & Fundamentals of Organizing
• Importance of Organisation
• Stages in Organising Process
• The Organising Process
• Principles of Organizing
• Types of Organisations
• Organisation Structure
• Organisation Charts & Manuals
• Organisation Culture
• Authority & Responsibility
• Key Issues in Organisation Structure
• Organisational Change
• Conflict Dynamics
Staffing • Functions of Staffing
• Objectives & Nature of Staffing
• Facets & Significance of Staffing
• System Approach to Staffing
• Recruitment, Selection, Training, Retention & Development
• Knowledge & Learning Management
• Performance Appraisal
• Human Resource Development (HRD)
Directing • Characteristics of Directing
• Importance of Directing
• Elements of Directing
• Leadership
• Motivation
• Communication
• Supervision
Controlling • Basics & Characteristics of Controlling
• Advantages & Limitations of Controlling
• Types of Control Management
• Control Process
• Relation between Planning & Control
• Control Techniques
• Control Techniques & Information Technology

Module B: Advanced Concepts Of Financial Management

Unit Topics Covered
Sources of Finance • 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 & its Behaviour
• Operating Leverage
• Degree of Operating Leverage & its Behaviour
• Combined / Total Leverage
Capital Investment Decisions • Objectives of Capital Investment Decisions
• Estimation of Project Cash Flows
• Forecasting & Regulation of Capital (Short, Medium, Long Term)
• Relationship: Sales, Production & Functional Budgets
• Cash Forecasts
• Cost Analysis for Projects
• Methods of Investment Appraisal
• Social Cost-Benefit Analysis
Capital Budgeting for International Project Investment • Foreign Investment Analysis
• Foreign & Home Currency Cash Flows
• Foreign Currency Discount Rates Computation
• International Portfolio Investment & Institutional Constraints
• Direct & Indirect Channels for Portfolio Investment
• Exchange & Country Risk
• Return & Risk of Foreign Investment
• CAPM (Capital Asset Pricing Model)
• Arbitrage Pricing Theory
• International Capital Budgeting Issues
• Approaches for Overseas Project Evaluation
• Evaluation Methods
• Impact of Transfer Pricing
Adjustment of Risk & Uncertainty in Capital Budgeting • 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 • Cost-Volume-Profit (CVP) Analysis
• Relevant Cost Concepts in Decision Making
• Activity-Based Costing (ABC)
• Ethical & Non-Financial Considerations

Module C: Valuation, Mergers & Acquisitions

Unit Topics Covered
Approaches to Corporate Valuation • Adjusted Book Value Approach
• Stock and Debt Approach
• Direct Comparison Approach
• Discounted Cash Flow (DCF) Approach
• Steps in DCF Valuation
Discounted Cash Flow (DCF) Valuation • Estimating Inputs
• Approaches to DCF Models
• Different DCF Models
• Dividend Discount Model (DDM)
• Applicability of DDM
Other Non-DCF Valuation Models • Relative Valuation Model
• Equity Valuation Multiples
• Enterprise Value Multiples
• Choosing the Right Multiples
• Book Value Approach
• Stock and Debt Approach
Special Cases of Valuation • Intangibles (Brand, Human Valuation, etc.)
• Real Estate Firms
• Start-up Firms
• Firms with Negative/Low Earnings
• Financial Service Companies
• Distressed Firms
• Valuation of Cash & Cross Holdings
• Warrants & Convertibles
• Cyclical & Non-Cyclical Companies
• Holding Companies
• E-commerce Firms
Mergers, Acquisitions & Restructuring • Types of Transactions
• Reasons for Merger
• Mechanics of a Merger
• Costs & Benefits of Merger
• Exchange Ratio
• Purchase of Division/Plant
• Takeovers
• Leveraged Buyouts (LBOs)
• Acquisition Financing
• Business Alliances
• Managing Acquisitions
• Divestitures
• Holding Companies
• Demergers
Deal Structuring & Financial Strategies • Negotiations
• Payment & Legal Considerations
• Tax & Accounting Considerations
• Tax Reliefs & Benefits in Amalgamation (India)
• Financial Reporting of Business Combinations
• Deal Financing
• Financing of Cross-Border Acquisitions (India)

Module D: Emerging Business Solutions

Unit Topics Covered
Hybrid Securities • Advantages & Disadvantages of Hybrid Securities
• Types of Hybrid Securities
• Preference Share Capital
• Features of Warrants
• Features of Convertible Debentures
• Differences: Warrants vs. Convertible Debentures
• Valuation of Warrants
• Valuation of Compulsorily Convertible Debentures (Partly/Fully)
• Objectives of Issuing Warrants & Convertible Debentures
• Features of Foreign Currency Convertible Bonds (FCCBs)
Mezzanine Financing, Innovative Hybrids & Start-up Finance • Benefits to Startups under Startup Plan
• Startup Definition in India
• Challenges Faced by Startups
• State Startup Policy
• Pitch Presentation
• Startup Programs & Competitions
• Tax Exemptions
• Funding Schemes & Programmes
• Investor’s Outlook in Startups
• International Challenges & Bridges
Private Equity & Venture Capital • Characteristics of Venture Capital Investments
• Private Equity vs. Venture Capital – Similarities & Distinctions
• Financing Options via Venture Capital
• Investment in Private Equity
• Benefits of Private Equity
• Drawbacks of Private Equity
• Due Diligence
• Exit Strategies
Artificial Intelligence (AI) • History of AI
• Applicability of AI
• AI in Banking & Finance
• Future Scope of AI
• Neural Networks
• Control Theory & Cybernetics
• Rational Agents
• Motion & Manipulation
• Tools & Techniques of AI
• AI & Morality
Business Analytics as a Management Tool • Essentials of Business Analytics
• Types of Analytics
• Elements of Business Analytics
• Big Data Analytics
• Web & Mobile Analytics
• Web vs. Mobile Analytics (Comparison)
• Importance of Business Analytics
Green & Sustainable Financing • ISO Standards for Green Finance
• Building Green Finance
• International Best Practices
• Public Policy in India
• Progress of Green Finance in India
• Challenges & Way Forward
• Growth of Regulatory Framework
• National Efforts towards Green & Sustainable Financing
• RBI’s Views on Climate Risk & Sustainable Finance
Special Purpose Acquisition Company (SPAC) • Advantages of SPAC
• Disadvantages of SPAC
• SPAC Formation & Timelines
• SPAC Merger
• Key Stakeholders
• Characteristics of SPACs
• Process & Capital Structure
• Trust Account
• Warrants & Forward Purchase
• IPO Agreements
• De-SPAC Process

Paper 4: Banking Regulations and Business Laws (BRBL)

Module A: Regulations and Compliance

Unit Topics Covered
Legal Framework of Banking Regulation • Business of Banking
• Constitution of Banks
• Reserve Bank of India Act, 1934
• Banking Regulation Act, 1949
• RBI as Central Bank & Regulator of Banks/NBFCs
• Government as Regulator of Banks
• Control over Co-operative Banks
• Regulation by Other Authorities
Control over Organisation of Banks • Licensing of Banking Companies
• RBI Licensing Policy – Universal Banks & Small Finance Banks
• Branch Licensing
• Paid-up Capital & 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 & Corporate Governance
Regulation of Banking Business • RBI’s Power to Issue Directions
• Acceptance of Deposits
• Nomination Rules
• Loans & Advances
• Regulation of Interest Rates
• Payment Systems Regulation
• Internet Banking Guidelines
• Regulation of Money Market Instruments
• Banking Ombudsman
• Regulation to Strengthen Financial Stability
• Returns & Inspection
• Winding Up of Banks
• Mergers & Acquisitions
• Annual Accounts & Balance Sheet
• Audit & Auditors
• Submission of Returns
• Preservation of Records & Paid Instruments
• Special Audit, Inspection & Scrutiny
• Board for Financial Supervision
• Acquisition & Amalgamation of Banks
• Penalties for Offences
Types of Banks & Application of Regulations • Public Sector Banks
• Private Sector Banks
• Regional Rural Banks (RRBs)
• Differentiated Banks
• Co-operative Banks
• Local Area Banks
• State Bank of India
• Application of Banking Regulation Act to Public Sector Banks
• Disinvestment of Shares by Government
Non-Banking Financial Companies (NBFCs) • Regulators of NBFCs
• Role of NBFCs in Inclusive Growth
• Registration Process
• Scale-Based Regulatory Structure
• Nomenclature & Regulatory Norms
• Capital Guidelines
• Prudential Guidelines
• Corporate Governance in NBFCs
• Fair Practices Code
• Bank Finance to NBFCs (Registered/Unregistered)
• Co-lending by Banks & NBFCs to PSA
Financial Sector Reforms & Oversight • Financial Sector Legislative Reforms
• Narasimham Committees I & II
• Banking Sector Reforms
• Reforms in Monetary Policy
• Reforms in Financial Markets
• Reforms in Forex Market
• Financial Stability and Development Council (FSDC)
• Functions of FSDC
• Wings of FSDC

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

Act / Law Key Topics Covered
The Prevention of Money Laundering Act, 2002 (PMLA) • Offence of Money Laundering
• Punishment for Money Laundering
• Obligations of Banking Companies, Financial Institutions & Intermediaries
• Enhanced Due Diligence
• Rules Framed under PMLA
• Records to be Maintained
• Information contained in Records
• Procedure for Maintaining Information
• Procedure for Furnishing Information to the Director (FIU)
• Verification of Client Identity (KYC Norms)
• Maintenance of Client Identity Records
• Case Studies on PMLA
Negotiable Instruments Act, 1881 • Meaning, Types & Characteristics of Negotiable Instruments
• Drawer / Acceptor
• Payment of Cheques – Protection to Bankers/Customers
• Material Alteration & Effects
• Alteration not apparent – Legal Implications
• Protection to Collecting Banker
Foreign Exchange Management Act, 1999 (FEMA) • Important Terms under FEMA
• Regulation & Management of Foreign Exchange
• Powers of RBI regarding Authorized Persons
• Contravention, Penalties, Adjudication & Appeals
• Directorate of Enforcement
• Special Provisions Relating to Assets held Outside India
Payment & Settlement Systems Act, 2007 • Key Definitions
• Designated Authority & Authorization
• Regulation & Supervision by RBI
• Settlement & Netting Provisions
• RBI’s Power to Frame Regulations
Law Relating to Securities & Modes of Charge – I • Mortgage
• Document of Title to Immovable Property – Meaning
• Acceptability of Copy of Title Documents
Law Relating to Securities & Modes of Charge – II • Appropriation
• Assignment
• Pledge
• Hypothecation
• Banker’s Lien & Right of Set-off
• Creation / Registration / Satisfaction of Charges
• Meaning of Charge
• Procedure for Registration of Charge
• Effect of Registration & Non-Registration of Charges
• Companies Act 2013 – Provisions on Charge Registration

Module C: Important Acts/Laws & Legal Aspects of Banking Operations

Act / Scheme Key Topics / Coverage Areas
Reserve Bank – Integrated Ombudsman Scheme, 2021 • Coverage and Definitions
• Ombudsman – Appointment / Location of Offices / Centralized Receipt & Processing Centre
• Procedure for Redressal of Grievances
• Filing a Complaint – Initial Scrutiny & Resolution
• Passing of an Award & Right to Appeal
• Suspension of the Scheme
Micro, Small and Medium Enterprises Development Act, 2006 • Coverage and Definitions
• Summary of Regulation
• NBMSME & Advisory Committee
• Memorandum of MSMEs
• Delayed Payments to MSEs
• MSE Facilitation Council & Dispute Reference
• Disclosures & Penalty for Contravention
SARFAESI Act, 2002 Constitutional Validity
• Key Definitions: Asset Reconstruction, Borrower, Secured Asset, Security Interest, NPA, Security Receipt, Sponsor etc.
Regulation of Securitisation & Reconstruction: Registration of ARC, Acquisition of Financial Assets, Issue of Security Receipts, Measures of Asset Reconstruction, RBI Powers
Enforcement of Security Interest: Magistrate’s Assistance, Takeover of Management, No Compensation to Directors, Borrower’s Right to Appeal & Compensation
Central Registry: Registration & Rectification of Security Interests, Filing of Transactions, Inspection Rights
Offences & Penalties: Penalties for Non-compliance, Cognizance of Offences, Appeals
Miscellaneous: Non-Applicability in Certain Cases, Good Faith Protection, Overriding Effect, Rule Making
Registration of Security Interest by Creditors: Priority of Secured Creditors, Effect of Registration
Recovery of Debts and Bankruptcy Act, 1993 (RDB Act) Constitutional Validity & Definitions
• Establishment of DRTs & Appellate Tribunals (Composition, Appointment, Qualification, Tenure)
• Jurisdiction, Powers & Authority of Tribunals (Exclusion of Civil Courts)
• Procedure: Application to Tribunal, Appeals, Deposit for Appeals, Limitation
• Recovery of Debts: Recovery Certificates, Stay, Application of Income Tax provisions, Appeal against Recovery Officer
• Miscellaneous: Transfer of Pending Cases, Public Servants, Good Faith Protection, Rule Making
Insolvency and Bankruptcy Code (IBC), 2016 • Definitions, Coverage, Pillars of IBC
• Insolvency Resolution Process for Companies & LLPs
• CIRP Initiation by Financial Creditor, Suspension of CIRP, Ineligible Persons
• Time Limit for CIRP & Withdrawal of Application
• Declaration of Moratorium, Public Announcement, IRP Appointment
• Committee of Creditors, Resolution Professional
• Liquidation & Priority of Debt Repayment
• Fast Track Insolvency, Voluntary Liquidation
Bankers’ Books Evidence Act, 1891 • Applicability and Definitions
• Conditions in Printout
• Proof of Entries in Bankers’ Books
• Non-compellable Cases for Bank Officers
• Court-ordered Inspection
• Cost of Applications
Legal Services Authorities Act, 1987 – Lok Adalats • Organisation & Jurisdiction of Lok Adalats
• Cognizance of Cases
• Case Disposal Process
• Nature of Awards
• Powers of Lok Adalats
Consumer Protection Act, 2019 • Definitions
• Unfair Contracts & Trade Practices
• Consumer Protection Councils – Central, State, District
• Central Consumer Protection Authority
• Consumer Disputes Redressal Commissions (District, State, National)
• Consumer Mediation Cell
• Finality of Orders & Limitation Period
Law of Limitation • Definitions
• Limitation & Its Computation
• Fresh Period of Limitation
• Key Provisions in Schedule
Tax Laws • Income Tax
• Commodity Transaction Tax
• Goods and Services Tax (GST)

CAIIB Elective Paper 1: Rural Banking

Subject Name Topics
Module – A: Rural India
Demographic feature
  • Population, occupation, literacy, socio-economic development indicators
  • Health, nutrition, and education, – urban migration.
Characteristics of Rural Society
  • Caste and power structure – rural social stratification, Economic Features
  • The economic life of rural people, share in National income
  • Trends in per capita income, rural money markets, rural indebtedness, rural poverty
  • Main causes and methods of measuring rural poverty.
Rural infrastructure
  • Transport, Power, Markets and other services. Agriculture Economy
  • Structure and characteristics of Indian agriculture, Role of agriculture in economic development, agriculture
  • Industry linkages, Resources and technical changes in agriculture, constraints to agriculture development, Emerging issues in
  • Indian Agriculture. Rural Development Policy: Govt. policies and programs for rural farm and non-farm sectors
  • Economic reforms and their impact on the rural economy.
Rural Issues
  • Development issues, Management Issues, Marketing issues, Pricing issues
Module – B: Financing Rural Development
Regulation of Rural Financial Services
  • Function and policies of RBI in Rural Banking, NABARD Main functions
  • The role, refinance support. Lead bank approach
  • State-level and District Level Credit committees
Rural Credit Institutions
  • Co-operative Credit Societies and Banks, Land Development Banks, Regional Rural Banks, Commercial Banks
  • Role of Information and communication technologies in rural Banking-Models
  • Financial inclusion & inclusive growth for rural development banking
  • Rural insurance micro-insurance scheme, the concept of Business Facilitators and Business Correspondents in rural financing
Financing agriculture/ allied activities
  • Crop Loans Assessment, Sanction, Disbursement, replacement
  • Term loans for irrigation, farm mechanization, Godowns/ cold-storage facilities, etc
  • Financing allied agriculture activities like Horticulture, Fisheries, Social forestry, etc
  • Finance against Warehouse/ cold storage receipts
Financing Rural Non-Farm Sector (RNFS)
  • Importance of RNFS, Segments in RNFS
  • Role of Development and Promotional Institutions in RNFS
SME Finance
  • Definition of SME. Importance to the Indian economy
  • Financing of SME and small enterprise Refinance from SIDBI
  • Project funding techniques and requirement assessment
  • Cluster-based approach and joint finance with SIDBI
  • MSMED Act 2006, CGTMSE, Working capital assessment of SMEs
  • Risk rating of SME proposals, the role of rating agencies, and rating methodology
  • Revival of sick units; revival package and implementation, Stressed assets under rehabilitation
  • Debt restructuring mechanism for SMEs.
Module – C: Priority Sector Financing and Government Initiatives
  • Components of priority sector
  • RBI guidelines.
Government initiatives
  • Poverty alleviation programs/ Employment programs/ Production oriented programs-rationale and philosophy, progress and impact, problems and deficiencies
  • Rural housing and Urban housing schemes under priority sector, they’re equity refinance, Educational loans
Module – D: Problems and prospects in Rural Banking
Role of rural banking
  • Problems of Rural branches of Commercial banks – transaction costs and risk costs. Technology-based Financial Inclusion.
  • Emerging trends in rural banking-financing poor as a bankable opportunity, Micro Credit, Self Help Groups/ NGOs, linkages with banking, latest guidelines of GOI and RBI.

CAIIB Elective Paper 2: International Banking

Chapters Topics
Module – A: International Banking and Finance
International Banking
  • Global Trends and Developments in International Banking
  • International Financial Centres, Offshore Banking Units, SEZs
  • Profitability of International Banking operations
  • Correspondent Banking and inter – Bank Banking
  • Investment Banking, Wholesale Banking, Retail Banking, Merchant Banking
  • International Financial Institutions: IMF, IBRD, BIS, IFC, ADB
  • Legal and regulatory aspects
  • Risk Management
International Finance
  • Fundamental Principles of Lending to MNCs, documentation, and Monitoring
  • International Credit Policy Agencies and Global Capital Markets
  • Raising resources: Availability features and risks of various Equity and debt products like ECBs, ADRs, ECCBs and other types of Bonds, etc., Syndication of loans
  • Project and Infrastructure Finance: Investments both in India (FII & FDI) and abroad, Joint ventures abroad by Indian Corporates. Investment opportunities abroad for resident Indians.
  • Financing of mergers and acquisitions
Module – B: Foreign Exchange Business
  • Foreign Exchange Management Act (FEMA) and its philosophy
  • Different types of Exchange Rates
  • RBI and FEDAI: their role in regulating Foreign Exchange Business of Banks/ other Authorized Dealers.
  • Rules regarding rate structure, cover operations, dealing room activities, and risk management principles, including correspondent Bank arrangements
  • NRI customers and various banking and investment products available to them under FEMA
  • Remittance facilities
Module – C: International Trade
Regulations covering international trade
  • Various Aspects of International Trade, Government policies, DGFT and their schemes, Customs procedures, Banks’ role in implementing these policies and schemes
  • WTO – its impact
  • Balance of payment, the balance of trade, Current account, and capital account convertibility.
  • Documents used in Trade: bill of exchange, invoice, Bill of lading, Airways bill, Insurance policy, etc
  • Role of Banks in Foreign Trade
  • Letters of credit; importance in international trade, various types of LCs, settlement of disputes, UCP 600, INCOTERMS
  • Exchange control relating to foreign trade. Returns required to be submitted to RBI
Import/ Export Finance
  • Laws governing trade finance i.e. FEMA, NI Act, Indian Stamp Act, EXIM policy, RBI/ FEDAI guideline
  • Role of Banks, including EXIM Bank, in financing Foreign Trade, various facilities to Exporters and importers including project finance, Forfaiting, and Factoring
  • Risks involved in foreign trade finance: Country risk, Currency risk, Exchange risk, legal risk, etc., Role of ECGC
Module – D: Derivatives
  • Treasury operations of banks and corporates
  • Derivatives as hedging instruments, types of instruments available in the Indian Market.
  • RBI rules and guidelines regarding derivatives
  • Mathematics of derivative valuation and pricing
  • Risk assessment of derivatives, Lessons from the recent crisis in the derivatives market.

CAIIB Elective Paper 3: Information Technology

Chapters Topics
Module – A: Introduction to Information Technology
Impact of IT on Banking
  • Changing Financial Environment and IT as a Strategic Response Hardware (H/ W)
  • Software: (S/ W)
System Software
  • Operating Systems (Desktop OS/ Server OS) Windows (Desktop/ Server)/ UNIX (H. P. Unix, Sun Solaris, Linux, IBM AIX)
Computer Languages
  • 1st Generation Languages (Assembly), 2nd Generation (FORTRAN, ALGOL, COBOL)
  • 3rd Generation (C, C++, C# and JAVA, etc.) and 4th Generation Languages (Clipper, Power Builder, SQL, etc.) and 5th Generation Languages (Logic Programming Languages)
  • Database Management System and Relational Database Management Systems (Oracle10g, MS SQL-2005, MySQL) Application Servers (Oracle 10AS, BeWeblogic, WebShare ) Web Servers (IIS, Apache, etc.)
  • Web Browsers (IE 7.0, Firefox, etc.)
Application Software
  • Packaged Software, Custom-built Software, etc. Computer Networks
  • Equipment & Data Communication
Computer Networks
  • Network Layers, Topologies, Protocols, IP Address Mechanisms, LAN, WAN, VLAN
  • Intranet, Extranet, Internet, Network Equipment: Cables (BNC, Twisted Pair, Fibre Optics)
  • Connectors, I/Os, Patch Panel, Jack Panels, Network Racks.
Module – B: Systems and Design
Systems and Design
  • Systems Design & Analysis Data modeling, Entity Relationships, Generic Data Modeling
  • Semantic Data Modeling Normalization (from 1st to 3rd and BCNF, 4th & 5th level of normalization) Software Development Life Cycle (SDLC)
  • Various phases of SDLC, In-house/ Out-sourcing, Software Project Management, Computer-Aided Software Engineering (CASE) Tools.
  • System Architecture: Clients (Hardware/ Software), Servers (Hardware/ Software)
  • Client-Server Architecture, 3 Tier Architecture, N-Tier Architecture, etc.
  • Data Warehousing – Data Mining tools
MIS and Organization Support Systems
  • DSS, EIS, GDSS, Groupware, and Multimedia Business Intelligence
  • Expert Systems, Artificial Neural Networks (ANN) Grid Computing, Virtualization and Consolidation
Module – C: Applications in Banking
Applications in Banking
  • Centralized Banking System/ Core Banking System/ System Administration, Database Administration
  • Application Server and Application Administration, Network Administration, Domains, ISPS, Hosting, Data Downloads/ Uploads
  • Bandwidths, Data Centre, Data Storage Devices, Data Backups/ Restoration
  • Disaster Recovery Centre Delivery Channels – ATM, EFTPOS, Phone Banking, Internet Banking, SMS Banking
  • Mobile Banking, Credit/ Debit Cards, Smart Cards E-Mails, SMS alerts
E-Commerce
  • Secure Electronic Transfer (SET), Payment Gateways (Credit card/ Debit cards), Authentication of payments, etc.
  • PKI – CCA, CA, RA, Digital Certificate, Digital Signature, Non-repudiation of Origin, Nonrepudiation of Receipt
  • Service – Level Agreement
Module – D: Security, Controls, and Guidelines
Threats to Information System
  • Physical (Insiders/ outsiders) ii) Viruses, Worms, Trojan horse, Malware, Software bombs, Phishing, Spoofing, Spamming, denial of service attacks, etc
  • Information System Security Measures, Policy, controls, ISO, 17799, BS7799, IS4477, IS Audit, BCP/ DRP, IT Act 2000
  • Basel guidelines for E-banking, Various RBI Committee Reports on Information Systems.
IT Service Delivery & Support
  • Service level management practices, Operations management – workload scheduling, network services management
  • Preventive maintenance, Systems performance monitoring process tools, techniques, Functionality of hardware, software, database
  • Drafting of RFP, system specifications, SLAs, Capacity planning & monitoring
  • Change management processes/ scheduled, emergency in the configuration of production systems, application of patches, releases, etc
  • Incident & problem management practices, System resiliency tools, and techniques – fault tolerance, elimination of single point of failure, clustering

CAIIB Elective Paper 4: Risk Management

Chapters Topics
Module – A: An overview
Risk definition/ policies
  • Risk Process-Risk Organization
  • Key risks – Credit risk, market risk, operational risk, liquidity risk, legal risk, interest rate risk, and currency risk
Asset Liability Management
  • ALM Concept
  • ALM organization
  • ALCO techniques/ tools
  • Simulation, Gap, Duration analysis, Linear and other statistical methods of control
Risk measurement & Control
  • Calculation
  • Risk exposure analysis
  • Risk management/ mitigation policy
  • Risk immunization policy/ strategy for fixing exposure limits
  • Risk management policy and procedure
  • Risk-adjusted return on capital
  • Capital adequacy norms
Risk management
  • Capital adequacy norms
  • Prudential norms
  • Exposure norms
  • Concept of Mid office
  • Forwards
  • Futures
  • Options
  • Strategies and Arbitrage opportunities
  • Regulatory prescriptions of risk management
Module – B: Credit Risk Management
Credit Risk Management
  • Introduction
  • Basel Norms
  • Three pillars of Basel and Capital for Operational risk
  • Framework for risk management
  • RBI guidelines on risk management
  • Risk rating and risk pricing
  • Methods for estimating capital requirements
  • Credit risk – standardized approach
  • Credit risk – an advanced approach
  • Credit rating/ credit scoring and rating system design
  • Credit Bureaus
  • Stress test and sensitivity analysis
  • Internal Capital Adequacy Assessment Process (ICAAP)
  • Introduction to structured products
Module – C: Operational Risk
Operational Risk
  • Introduction, Basel Norms
  • RBI guidelines
  • Likely forms of operational risk and causes for a significant increase in operational risk
  • Sound Principles of Operational Risk Management (SPOR)
  • SPOR – organizational setup and key responsibilities of ORM
  • SPOR – policy requirements and strategic approach for ORM
  • SPOR identification, measurement, control/ mitigation of operational risks
  • Capital allocation for operational risk, methodology, qualifying criteria for banks for the adoption of the methods
  • Computation of capital charge for operational risk
Module – D: Market Risk
Market Risk
  • Introduction and definition
  • Prescriptions of Basel Norms
  • Liquidity risk
  • Interest rate risk
  • foreign exchange risk
  • Price risk (Equity)
  • Commodity risk
Treatment of market risk under Basel
  • Standardized duration method
  • Internal measurement approach – VaR
Module – E: Risk Organization and Policy
Risk Organization and Policy
  • Risk Management Policy
  • Inter – linkages to – Treasury
  • Credit
  • ALCO

CAIIB Elective Paper 5: Central Banking

Chapters Topics
Module – A: Rationale and Functions of Central Bank
Evolution and Functions of Central Banking
  • Evolutions of Theory and Practice of Central Banking
  • Development of Central Banks in Developed and Developing countries.
Functions of a Central Bank
  • Banker to Government, Banker to Banks, Monetary policy Functions
  • Currency Issue and Management, Payment system function
  • Maintaining internal and External values of currency, Regulation
  • Facilitation and supervision of Financial System
  • Promotional Functions to support growth and other National objectives
  • Development of Financial Markets, Institutions, and communication policies.
Contemporary Issues
  • Desirability, Autonomy and independence, Credibility
  • Accountability and transparency of a Central Bank
  • Conflict with fiscal policies.
Module – B: Central banking in India
Reserve Bank of India
  • Organizational evolution, Constitution and Governance
  • Major organizational and Functional Developments over time
  • Recent Developments, RBI Act.
India Specific Issues:
  • Banking Regulation Act, FEMA, Banking Ombudsman Scheme
  • Financial Sector reforms
  • Other financial regulators and division of functions. Institutions set up by RBI
  • NABARD, IDBI, DFHI, IRBI, UTI
  • Glossary of Central Banking Terms.
Module – C: Monetary Policy and Credit Policy
Monetary Policy
  • Objectives, Reconciling dual objectives
  • The Taylor Rule, Indicators of Policy, instruments of policy (Bank Rate, OMO, CRR, SLR, etc.)
  • Policy Transmission mechanism and channels, transparency of policies
  • Lags in the policy
Credit Policy
  • Objectives, Theory, and Practice, Instruments.
An overview of Fiscal Policy
  • Importance of Budgets, Union Budget, State Budget, Finances of Union and State Governments, Finance Commission
  • Striking balance between inflation and growth through monetary and fiscal policies.
Module – D: Supervision and Financial Stability
Indian Financial System
  • Constituents of Indian Financial Markets and their Regulation
  • Evolution of Bank Regulation and supervision
Financial Stability
  • Financial Development Vs Financial stability
  • Risks to Financial stability, Early warning signals, and remedial action
  • Liquidity Management, Regulation, and Supervision of Banks
  • Risk Management in Banks
  • The Basel Norms, Prudential Norms, Effect of liberalization and Globalization on Financial Stability
  • Linkage to International Financial Stability
  • International standards and codes
  • Role of Supervisor under Basel Norms.
Important links:
CAIIB Previous Year Papers CAIIB Registration 2025
CAIIB Online Coaching 2025

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FAQs

What is the CAIIB Syllabus and where can I find it?

The CAIIB syllabus includes four papers – Advanced Bank Management (ABM), Bank Financial Management (BFM), Advanced Business & Financial Management, and Banking Regulations and Business Laws (BRBL) and One elective (like Retail Banking, HRM, IT, etc.). The detailed syllabus is available on the official IIBF website at www.iibf.org.in.

Q: Is there any negative marking in CAIIB Exam?

Ans: No, there is no negative marking for wrong answers in CAIIB Exam.

What are the elective subjects in CAIIB?

Elective subjects include Rural Banking, IT & Digital Banking, Risk Management, Central Banking, Human Resources Management.

What is the difficulty level of the CAIIB syllabus?

The syllabus is advanced and designed for professionals with basic banking knowledge. It requires thorough preparation.

What is the weightage of each paper in CAIIB?

Each paper carries 100 marks, with different topics having varying weightage as detailed in the syllabus.

How many papers are there in CAIIB Syllabus 2025?

Ans: There are 2 main papers under CAIIB Syllabus 2025 where 4 Compulsory Papers and 1 Elective Papers.

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