Physics Wallah is an Indian edtech platform that provides accessible & comprehensive learning experiences to students from Class 6th to postgraduate level. We also provide extensive NCERT solutions, sample paper, NEET, JEE Mains, BITSAT previous year papers & more such resources to students. Physics Wallah also caters to over 3.5 million registered students and over 78 lakh+ Youtube subscribers with 4.8 rating on its app.
We Stand Out because
We provide students with intensive courses with India’s qualified & experienced faculties & mentors. PW strives to make the learning experience comprehensive and accessible for students of all sections of society. We believe in empowering every single student who couldn't dream of a good career in engineering and medical field earlier.
Our Key Focus Areas
Physics Wallah's main focus is to make the learning experience as economical as possible for all students. With our affordable courses like Lakshya, Udaan and Arjuna and many others, we have been able to provide a platform for lakhs of aspirants. From providing Chemistry, Maths, Physics formula to giving e-books of eminent authors like RD Sharma, RS Aggarwal and Lakhmir Singh, PW focuses on every single student's need for preparation.
What Makes Us Different
Physics Wallah strives to develop a comprehensive pedagogical structure for students, where they get a state-of-the-art learning experience with study material and resources. Apart from catering students preparing for JEE Mains and NEET, PW also provides study material for each state board like Uttar Pradesh, Bihar, and others
CAIIB certification offers benefits to banking professionals, including additional increments in their career progression. It's a prestigious recognition within the banking industry and can open up opportunities for growth and advancement.
What's the marking scheme for the CAIIB exam?
Correct answers earn one mark each. However, there is negative marking – 25% of the allotted marks for a question will be deducted for incorrect answers. Candidates need to score a minimum of 50 marks out of 100 in each paper to pass that paper.
How should I approach CAIIB exam preparation?
To effectively prepare for the CAIIB exam, follow these steps:
Understand the syllabus and exam pattern.
Focus on topics you're confident in first.
Incorporate mock tests into your routine from the beginning.
Create a realistic study plan that prioritizes difficult topics.
Regularly revise to reinforce your understanding.
How does the CAIIB Exam Process work?
The CAIIB exam process consists of three stages: an initial online exam, two compulsory papers, and one elective paper. Candidates need to perform well in the online exam to move forward. Successful candidates then tackle the compulsory and elective papers.
What is CAIIB?
CAIIB stands for "Certified Associate of the Indian Institute of Bankers." It is a professional certification offered by the Indian Institute of Banking and Finance (IIBF) to bankers working in India.
CAIIB Syllabus 2025 along with the Exam Pattern is released on the official IIBF website. Candidates preparing for the CAIIB 2025 Exam for May-June Cycle can find the detailed and revised CAIIB Syllabus for all subjects below.
Ananya Gupta14 Jan, 2025
Share
CAIIB Syllabus 2025:
The Indian Institute of Banking and Finance (IIBF) has defined the syllabus for the Certified Associate of Indian Institute of Bankers (CAIIB) Course. The CAIIB Syllabus 2025 has been recently updated to make the course more relevant and to emphasize a deeper understanding of concepts. The CAIIB 2025 Exam Schedule for both cycle for the Financial Year 2025-26 will be announced soon. Since the syllabus is an important resource for preparing effectively for the examination, we have provided a detailed breakdown of the CAIIB Syllabus 2025, module by module.
CAIIB Syllabus 2025
The updated CAIIB Syllabus 2025 was officially released on the IIBF website, and for the Nov-Dec you must go through the curriculum. The Revised CAIIB Syllabus includes four compulsory subjects and five elective papers. Among the five elective papers, candidates can choose one according to their preference. Here's a breakdown of the CAIIB Compulsory and Elective Subjects:
CAIIB Syllabus: CAIIB Compulsory Subjects:
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
These subjects form the core of the CAIIB course, and candidates can select one elective subject that aligns with their interests and career goals.
CAIIB Syllabus
2025 Highlights
The CAIIB exam is conducted by the Indian Institute of Banking and Finance and is designed for the promotion of banking employees who have already cleared the JAIIB (Junior Associate of Indian Institute of Banking and Finance) exam.
Success in the CAIIB exam offers benefits to bankers, including additional increments at each scale of their career. Below, you’ll find a summarized overview of the CAIIB Examination.
CAIIB Syllabus 2025 Highlights
Conducting Body
Indian Institute of Banking and Finance
Exam Name
CAIIB 2025
Category
Syllabus
Exam Level
National Level
Mode of Exam
Online
Types of Questions
Multiple Choice Type
Number of Papers
5 Papers
No. of Questions
100 each paper
Official Website
www.iibf.org.in
CAIIB Syllabus 2025 Compulsory Papers
In the previous CAIIB curriculum, there were only two compulsory subjects. However, with the introduction of the updated CAIIB Syllabus, the number of compulsory subjects has been increased to four. The two newly added papers in this revised syllabus are Advanced Business and Financial Management (ABFM) and Banking Regulations and Business Laws (BRBL).
CAIIB Syllabus Paper 1: Advanced Bank Management(ABM)
The table below provides a detailed CAIIB syllabus of all four modules of Paper 1, i.e. Advanced Bank Management:
CAIIB Syllabus 2025 Paper 1: Advanced Bank Management
Module
Topics
MODULE A: STATISTICS
- Definition of Statistics
- Importance & Limitations
- Data Collection, Classification & Tabulation
- Importance of Statistics
- Functions of Statistics
- Limitation 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 Populations
- 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
- 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 Organizations
- Human Behaviour and Individual Differences
- Employee behavior 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 MANAGEMENT
- 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
- 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 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
CAIIB Syllabus Paper 1 Module A: Statistics
1. Definition of Statistics, Importance & Limitations & Data Collection, Classification & Tabulation:
Importance of Statistics
Functions of Statistics
Limitations or Demerits of Statistics
Definitions
Collection of Data
Classification and Tabulation
Frequency Distribution
2. Sampling Techniques:
Random Sampling
Sampling Distributions
Sampling from Normal Populations
Sampling from Non-Normal Populations
Central Limit Theorem
Finite Population Multiplier
3. Measures of Central Tendency & Dispersion, Skewness, Kurtosis:
Arithmetic Mean
Combined Arithmetic Mean
Geometric Mean
Harmonic Mean
Median and Quartiles
Mode
Introduction to Measures of Dispersion
Range and Coefficient of Range
Quartile Deviation and Coefficient of Quartile Deviation
Standard Deviation and Coefficient of Variation
Skewness and Kurtosis
4. Correlation and Regression:
Scatter Diagrams
Correlation
Regression
Standard Error of Estimate
5. Time Series:
Variations in Time Series
Trend Analysis
Cyclical Variation
Seasonal Variation
Irregular Variation
Forecasting Techniques
6. Theory of Probability:
Mathematical Definition of Probability
Conditional Probability
Random Variable
Probability Distribution of Random Variable
Expectation and Standard Deviation
Binomial Distribution
Poisson Distribution
Normal Distribution
Credit Risk
Value at Risk
Option Valuation
7. Estimation:
Estimates
Estimator and Estimates
Point Estimates
Interval Estimates
Interval Estimates and Confidence Intervals
Interval Estimates of the Mean from Large Samples
Interval Estimates of the Proportion from Large Samples
8. Linear Programming:
Graphic Approach
Simplex Method
9. Simulation:
Simulation Exercise
Simulation Methodology
CAIIB Syllabus Paper 1 Module B: Human Resource Management
Here's an overview of the topics related to Human Resource Management (HRM) and Human Resource Development (HRD) that you mentioned:
1. Fundamentals of Human Resource Management:
The Perspective
Relationship between HRM & HRD and their Structure and Functions
Role of HR Professionals
Strategic HRM
Development of HR Functions in India
Development of Human Resources
2. HRD and its Subsystems:
Learning and Development
Role and Impact of Learning
Attitude Development
Career Path Planning
Self-Development
Talent Management
Succession Planning
3. Human Implications of Organizations:
Human Behavior and Individual Differences
Employees' Behavior at Work
Diversity at Workplace and Gender Issues
Theories of Motivation and their Practical Implications
'Role': Its Concept & Analysis
4. Employees' Feedback and Reward System:
Employees' Feedback
Reward and Compensation System
5. Performance Management:
Appraisal Systems
Performance Review and Feedback
Counselling
Competency Mapping and Assessment of Competencies
Assessment Centers
Behavioral Event Interview (BEI)
6. Conflict Management and Negotiation:
Conflict: Concept & Definition
Characteristics of Conflict
Types of Conflicts
Reasons for Conflict
Different Phases of Conflict
Conflict Resolution
Conflict Management
Negotiation Skills for Resolution of Conflicts
7. HRM and Information Technology:
Role of Information Technology in HRM
HR Information and Database Management
Human Resource Information System (HRIS)
Human Resource Management System (HRMS)
e-HRM
HR Research
Knowledge Management
Technology in Training
HR Analytics
These topics encompass various aspects of human resource management and development, including the strategic perspective, employee development, motivation, feedback, performance management, conflict resolution, and the integration of technology in HRM.
CAIIB Syllabus Paper 1 Module C: Credit Management
Here's an overview of the topics related to Credit Management and related aspects:
1. Overview of Credit Management:
Importance of Credit
Historical Background of Credit in India
Principles of Credit
Types of Borrowers
Types of Credit
Components of Credit Management
Role of RBI Guidelines in Bank’s Credit Management
2. Analysis of Financial Statements:
Financial Statements and Their Types
Users of Financial Statements
Basic Concepts Used in 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 Analysis of Financial Statements by Bankers
Techniques used in the Analysis of Financial Statements
Creative Accounting
Related Party Transactions
3. Working Capital Finance:
Concept of Working Capital
Working Capital Cycle
Importance of Liquidity Ratios
Methods of Assessment of Bank Finance
Working Capital Finance to Information Technology and Software Industry
Bills/Receivables Finance by the Banks
Guidelines of RBI for Discounting/Rediscounting of Bills by Banks
Trade Receivables Discounting System (TReDS)
Non-Fund Based Working Capital Limits
Other Issues Related to Working Capital Finance
4. Term Loans:
Important Points about Term Loans
Deferred Payment Guarantees (DPGs)
Difference between Term Loan Appraisal and Project Appraisal
Project Appraisal
Appraisal and Financing of Infrastructure Projects
5. Credit Delivery and Documentation:
Third-Party Guarantees
Charge over Securities
Possession of Security
Disbursal of Loans
Lending under Consortium/Multiple Banking Arrangements
Syndication of Loans
Straight-Through Loan Processing or Credit Underwriting Engines
6. Credit Control and Monitoring:
Importance and Purpose
Available Tools for Credit Monitoring/Loan Review Mechanism (LRM)
7. Risk Management and Credit Rating:
Meaning of Credit Risk
Factors Affecting Credit Risk
Steps Taken to Mitigate Credit Risks
Credit Ratings (Internal and External)
Methodology of Credit Rating
Use of Credit Derivatives for Risk Management
RBI Guidelines on Credit Risk Management
Credit Information System
8. Restructuring/Rehabilitation and Recovery:
Credit Default/Stressed Assets/NPAs
Wilful Defaulters
Options Available to Banks for Stressed Assets
RBI Guidelines on Restructuring of Advances by Banks
Available Frameworks for Restructuring of Assets
Sale of Financial Assets
Resolution of Stressed Assets under Insolvency and Bankruptcy Code 2016
Definition of Insolvency and Bankruptcy
Application of the Code
Legal Elements of the Code
Corporate Insolvency Resolution Process
Liquidation process
Pre-packed Insolvency Resolution Process for stressed MSMEs
These topics cover a wide range of aspects related to credit management, financial analysis, risk management, and regulatory guidelines, among others.
CAIIB Syllabus Paper 1 Module D: Compliance in Banks & Corporate Governance
Here's an overview of the topics related to Compliance Function in Banks and related aspects:
1. Compliance Function in Banks:
Compliance Policy
Compliance Principles, Process, and Procedures
Compliance Programme
Scope of Compliance Function
Role & Responsibilities of Chief Compliance Officer (CCO)
2. Compliance Audit:
Role of Risk-Based Internal Audit and Inspection
Reporting Framework and Monitoring Compliance
Disclosure Requirements
Accounting Standards
Disclosures under Listing Regulations of SEBI
3. Compliance Governance Structure:
Organisational Structure
Responsibility of the Board and Senior Management
Compliance Structure at the Corporate Office
Functional Departments
Compliance Structure at Field Levels
Internal Controls and its Importance
Framework for Identification of Compliance Issues and Compliance Risks
Compliance Issues
Compliance Risk
Inherent Risk and Control Risk
Independent Testing and Effective Audit Programme
Role of Inspection and Audit
Loan Review Mechanism/Credit Audit
What is Good Compliance
4. Compliance Culture and GRC Framework:
How to Create Compliance Culture Across the Organisation
Governance, Risk, and Compliance – GRC Framework
Benefits of an Integrated GRC Approach
Whistle-blower Policy
The Components of a Whistle-blower Policy
Reasons for Compliance Failures
5. Compliance Function and Role of Chief Compliance Officer in NBFCs:
Framework for Scale-Based Regulation for Non-Banking Financial Companies
Transition Path
Framework for Compliance Function and Role of Chief Compliance Officer in Non-Banking Financial Companies in Upper Layer and Middle Layer (NBFC-UL & NBFC-ML)
6. Fraud and Vigilance in Banks:
Definition of Fraud
Definition of Forgery
Areas in which Frauds are committed in Banks
Banking and Cyber Frauds
Fraud Reporting and Monitoring System
Vigilance Function in Banks
RBI Guidelines for Private Sector and Foreign
CAIIB Syllabus Paper 2: Bank Financial Management(BFM)
The table below provides a detailed CAIIB syllabus of all four modules of Paper 2, i.e. Bank Financial Management:
CAIIB Syllabus 2025 Paper 2: Bank Financial Management
Module A: International Banking
Module B: Risk Management
Module C: Treasury Management
Module D: Balance Sheet Management
Exchange Rates and Forex Business
Risk and Basic Risk Management
Introduction to Treasury Management
Components of Assets and Liabilities
Foreign Exchange – Definition and Markets
Risks in Banking Business
Treasury Products
Capital Adequacy – Basel Norms
Factors Determining Exchange Rates
Risk Regulations in the Banking Industry
International Equity and Debt Products
Asset Classification and Provisioning
Exchange Rate Mechanism
Market Risk
Regulatory Environment
Liquidity Management
Foreign Exchange Dealing Room Operations
Credit Risk
Funding and Regulatory Aspects
Interest Rate Risk Management
Derivative Products
Operational Risk and Integrated Risk
Treasury Risk Management
RAROC and Profit Planning
RBI / FEDAI Guidelines
Liquidity Risk Management
Derivative Products
Foreign Exchange Arithmetic
Basel III Framework on Liquidity
Treasury and Asset-Liability Management
Liberalised Remittance Scheme (LRS)
Interest Rate Risk Management
Capital Account Transactions and Current
Derivative Products
Account Transactions; Key Sections under
Treasury and Asset-Liability Management
FEMA vis-à-vis Liberalized Remittance Scheme
Correspondent Banking and NRI Accounts
Documentary Letters of Credit
Facilities for Exporters and Importers
External Commercial Borrowings and Foreign
Investments in India
Risks in Foreign Trade – Role of ECGC
Role of EXIM Bank, Reserve Bank of India,
Exchange Control in India – FEMA,
FEDAI and Others
International Financial Service Centres
(IFSC), GIFTCity
Technology in International Banking
CAIIB Syllabus Paper 2 Module A: International Banking
Here's an overview of the topics related to Exchange Rates, Forex Business, International Banking, and Technology:
1. Exchange Rates and Forex Business:
Foreign Exchange – Definition and Markets
Factors Determining Exchange Rates
Exchange Rate Mechanism
Foreign Exchange Dealing Room Operations
Derivative Products
RBI / FEDAI Guidelines
Foreign Exchange Arithmetic – Concepts and Examples
2. Liberalised Remittance Scheme (LRS) and other Remittance Facilities for Residents:
Capital Account Transactions and Current Account Transactions
Key Sections under FEMA vis-à-vis Liberalized Remittance Scheme
Permissible/Non-permissible Remittances under LRS
Operational Guidelines
Remittances under LRS for Current Account Transactions
Tax Collected at Source (TCS)
LRS vis-à-vis Capital Account Transactions
Reporting Requirements under LRS
3. Correspondent Banking and NRI Accounts:
Correspondent Banking – Accounts and other Services
Nostro, Vostro and Loro Accounts
Electronic Modes of Transmission/Payment Gateways – SWIFT, CHIPS, CHAPS, RTGS, etc.
NRI Banking
NRI accounts – Rupee and Foreign Currency Accounts
Facilities to NRIs
Advances to Non-Residents against Non-Resident Deposits
Housing Loans to Non-Resident Indians
4. Documentary Letters of Credit:
Definition of Letter of Credit
Types of Letters of Credit
Operations of Letter of Credit
UCP 600 and Important Articles
Liabilities, Responsibilities, and Rights of the Parties
Documents under LC – Scrutiny, Crystallization, Follow-up for Bills under LC, and Safeguards for Banks
Risks Relating to LC Transactions
Standby Letter of Credit (Similar to Guarantees)
Uniform Rules for Bank-to-Bank Reimbursements (URR–725)
International Standard Banking Practice – 745 (ISBP 745)
Incoterms
Case Studies
5. Facilities for Exporters and Importers:
Exchange and Trade Control Guidelines for Exporters
Facilities for Exporters
Export Finance
Gold Card Scheme for Exporters
Export Data Processing and Monitoring System (EDPMS)
Factoring and Forfaiting
Exchange and Trade Control Guidelines for Importers
Import Finance
Import Data Processing and Monitoring System (IDPMS)
Trade Credit – Supplier’s Credit and Buyer’s Credit
Case Study on Export Finance
6. External Commercial Borrowings and Foreign Investments in India:
External Commercial Borrowings – Concepts
ECBs – Other Operational Concepts
Reporting Requirements
Conversion of ECB into Equity
Foreign Investments
Key Concepts
Eligible Foreign Investors
Eligible Investee Entities
Eligible Investment Instruments
Prohibited Sectors
Rules Governing Pledge of Shares
Operational Guidelines
Snap Shot of Non-Debt Instruments (NDI) Rules
List of Documents for Obtention of Foreign Investments
List of Documents for Refund of Foreign Investments
7. Risks in Foreign Trade – Role of ECGC:
Definition of Risk and Risks in International Trade
Country Risk
Export Credit Insurance in International Trade
ECGC Role and Products
ECGC Policies
ECGC’s Products for Banks
Other Aspects Relating to ECGC Policies and Guarantees
Common "To Do Points" under ECGC Policies
Claims Role of EXIM Bank
8. Reserve Bank of India, Exchange Control in India – FEMA, FEDAI and Others:
EXIM Bank – Role, Functions, and Facilities
Reserve Bank of India – Role and Exchange Control Regulations in India
Foreign Exchange Management Act (FEMA) 1999
Role of FEDAI and FEDAI Rules
9. Short Notes on Other Topics:
ECB and ADR/GDRs and FCCB
International Financial Service Centres (IFSC), GIFT City
Scope of IFSC in India
Opportunities at Gift City
Guidelines relating to setting up of IFSC Banking Units (IBUs)
Role of IFSCA
Regulatory Framework
Permissible Activities at IBUs
Relaxations for the FPI (Foreign Portfolio Investors) Entities at GIFT City
10. Technology in International Banking:
Introduction to Digitization in International Banking – An Overview
Evolution of Technology in International Banking
Benefits and Limitations of Technology in International Banking
Digital Platforms in International Banking
FINTECH and evolution of FINTECH in International Banking
Delivery channels under FINTECH in International Banking
Sample process of International Trade Using Blockchain Technology
Challenges in FINTECH
CAIIB Syllabus Paper 2 Module B: Risk Management
Here's an overview of the topics related to Risk and Basic Risk Management Framework in the context of banking:
1. Risk and Basic Risk Management Framework:
What is Risk?
Linkages among Risk, Capital, and Return
Why Risk Management?
Basic Risk Management Framework
2. Risks in Banking Business:
Risk Identification in Banking Business
The Banking Book
The Trading Book
Off-Balance Sheet Exposures
Banking Risks – Definitions
3. Risk Regulations in Banking Industry:
Regulation of Banking Industries – Necessities and Goals
The Need for Risk-based Regulation in a Changed World Environment
Basel I: The Basel Capital Accord
1996 Amendment to Include Market Risk
Basel II Accord – Need and Goals
Basel II Accord
Towards Basel III
Capital Charge for Credit Risk
Credit Risk Mitigation
Capital Charge for Market Risk
Capital Charge for Operational Risk
Pillar 2 – Supervisory Review Process
Pillar 3 – Market Discipline
Capital Conservation Buffer
Leverage Ratio
Countercyclical Capital Buffer
Systemically Important Financial Institutions (SIFIs)
Risk-Based Supervision (RBS)
4. Market Risk:
Market Risk – Concept
Market Risk in Banks
Market Risk Management Framework
Organisation Structure
Risk Identification
Risk Measurement
Risk Monitoring and Control
Risk Reporting
Managing Trading Liquidity
Risk Mitigation
5. Credit Risk:
General
Credit Risk Management Framework
Organisation Structure
Risk Identification
Risk Measurement
Credit Risk Control and Monitoring
Credit Risk Policies and Guidelines at Transaction Level
Credit Control and Monitoring at Portfolio Level
Active Credit Portfolio Management
Controlling Credit Risk through Loan Review Mechanism (LRM)
Credit Risk Mitigation
Securitisation
Credit Derivatives (CDs)
6. Operational Risk and Integrated Risk Management:
Operational Risk – General
Operational Risk – Classification
Operational Risk Classification by Event Type – Definitions
Operational Risk Management Practices
Management Overview and Organisational Structure
Processes and Framework
Risk Monitoring and Control Practices
Operational Risk Qualification
Operational Risk Mitigation
Scenario Analysis
Integrated Risk Management
The Necessity of Integrated Risk Management
Integrated Risk Management – Challenges
Integrated Risk Management – Approach
7. Liquidity Risk Management:
Liquidity Risk Management – Need & Importance
Potential Liquidity Risk Drivers
Types of Liquidity Risk
Principles for Sound Liquidity Risk Management
Governance of Liquidity Risk Management
Liquidity Risk Management Policy, Strategies, and Practices
Management of Liquidity Risk
Ratios in respect of Liquidity Risk Management
Stress Testing
Contingency Funding Plan
Overseas Operations of the Indian Banks’ Branches and Subsidiaries and Branches of Foreign Banks in India
Broad Norms in Respect Of Liquidity Management
Liquidity Across Currencies
Management Information System
Reporting to the Reserve Bank of India
Internal Controls
8. Basel III Framework on Liquidity Standards:
Liquidity Coverage Ratio
Liquidity Risk Monitoring Tools
Net Stable Funding Ratio
CAIIB Syllabus Paper 2 Module C: Treasury Management
Here's an overview of the topics related to Treasury Management and Balance Sheet Management in the context of banking:
1. Introduction to Treasury Management:
The Concept
Functions of Integrated Treasury
The Process of Globalisation
Evolving Role of Treasury as a Profit Centre
Organisation of Treasury
2. Treasury Products:
Products of Foreign Exchange Markets
Money Market Products
Securities Market Products
Domestic and Global Markets
3. International Equity and Debt Products:
Regulatory Environment
Global Depository Receipts
Indian Depository Receipts
External Commercial Borrowings
Trade Credits
Rupee Denominated Bonds
4. Funding and Regulatory Aspects:
Reserve Assets: CRR and SLR
The Liquidity Adjustment Facility (LAF)
Payment and Settlement Systems
5. Treasury Risk Management:
Supervision and Control of Treasury
Market Risk and Credit Risk
Risk Measures: VaR and Duration
Use of Derivatives in Risk Management
6. Derivative Products:
Derivatives and the Treasury
OTC and Exchange Traded Products
Forwards, Options, Futures, and Swaps
Interest Rate and Currency Swaps
Developments in Indian Markets and RBI Guidelines on Risk Exposure
7. Treasury and Asset-Liability Management:
Meaning of Asset-Liability Management (ALM)
Liquidity Risk and Interest Rate Risk
Role of treasury in ALM
Use of derivatives in ALM
Credit risks and Credit Derivatives
Transfer pricing
Policy Environment
CAIIB Syllabus Paper 2 Module D: Balance Sheet Management:
Here's an overview of the topics related to Components of Assets and Liabilities in a Bank’s Balance Sheet, Banking Regulation, and Capital Adequacy in the context of banking:
1. Components of Assets and Liabilities in Bank’s Balance Sheet and their Management:
Components of a Bank’s Balance Sheet
What is Asset Liability Management (ALM)?
Significance of Asset Liability Management
Purpose and Objectives of Asset Liability Management
ALM as Coordinated Balance Sheet Management
2. Banking Regulation and Capital:
Capital and Banking Regulation
Capital Adequacy – Basel Norms
Scope of Application
Pillar 1 – Minimum Capital Requirements
Pillar 2 - Supervisory Review Process
Pillar 3 – Market Discipline
3. Asset Classification and Provisioning Norms:
Asset Classification
Provisioning Norms
4. Liquidity Management:
Definition
Dimensions and Role of Liquidity Risk Management
Measuring and Managing Liquidity Risk
5. Interest Rate Risk Management:
Essentials of Interest Rate Risk
Sources of Interest Rate Risk
Effects of Interest Rate Risk
Measurement of Interest Rate Risk
Interest Rate Risk Measurement Techniques
Strategies for Controlling Interest Rate Risk
Controls and Supervision of Interest Rate Risk Management
Sound Interest Rate Risk Management Practices
RBI’s Draft Guidelines on Interest Rate Risk in Banking Book
6. RAROC and Profit Planning:
Profit Planning
Risk Aggregation and Capital Allocation
Economic Capital and RAROC
CAIIB Syllabus Paper 3:Advanced Business and Financial Management (ABFM)
The table below provides a detailed CAIIB syllabus of all four modules of Paper 3, i.e. Advanced Business and Financial Management:
CAIIB Syllabus Paper 3:Advanced Business and Financial Management (ABFM)
Module A: The Management Process
Module B: Advanced Concepts of Financial Management
Module C: Valuation, Mergers & Acquisitions
Module D: Emerging Business Solutions
Basics of Management
Sources of Finance and Financial Strategies
Corporate Valuations
Hybrid Finance
Planning
Financial and Operating Leverages
Discounted Cash Flow Valuation
Start-up Finance
Organizing
Capital Investment Decisions
Other Non-DCF Valuation Models
Private Equity and Venture Capital
Staffing
Capital Budgeting for International Projects
Special Cases of Valuation
Artificial Intelligence
Directing
Adjustment of Risk and Uncertainty in Capital
Mergers, Acquisitions, and Restructuring
Business Analytics as a Management Tool
Controlling
Investment Decisions
Deal Structuring and Financial Strategies
Green and Sustainable Financing
Special Purpose Acquisition Company (SPAC)
CAIIB Syllabus Paper 3 Module A: The Management Process
Here's an overview of the topics related to Basics of Management, including functions, planning, organizing, staffing, directing, and controlling:
1. Basics of Management:
Definition of Management
The Management Process
Functions of Management
Importance of Management
Management Thoughts & Approaches
Management Challenges & Opportunities
2. Introduction to Strategic Management:
Business Environment Analysis
3. Planning:
Fundamentals of Planning
Steps in Planning
Importance of Planning
Advantages and disadvantages of planning
Management by Objectives
Plan Components
Contingency planning
Forecasting & Decision Making
4. Organizing:
Introduction and Fundamentals of Organizing
Importance of Organisation
Stages in Organising Process
The Organising Process
Principles of organizing
Types of Organisations
Organisation structure
Organisation charts and manuals
The Organisation culture
Authority & Responsibility
Key Issues in Organisation Structure
Organisational Change
Conflict Dynamics
5. Staffing:
Functions of Staffing
Objectives of staffing
Nature of staffing
Facets of staffing
Significance of staffing
System approach to staffing
Recruitment, Selection, Training, Retention, and development
Knowledge and learning management
Performance Appraisal
Human Resource Development
6. Directing:
Characteristics of directing
Importance of directing
Elements of directing
Leadership
Motivation
Communication
Supervision
7. Controlling:
Basics of Controlling
Characteristics of controlling
Advantages of controlling
Limitations of controlling
Types of control management
Control process
Relation between planning and control
Control Techniques
Control technique and Information Technology
CAIIB Syllabus Paper 3 Module B: Advanced Concepts Of Financial Management
Here's an overview of the topics related to Sources of Finance, Financial Strategies, Capital Investment Decisions, International Project Investment, Capital Budgeting, Risk Analysis, and Decision Making:
1. Sources of Finance and Financial Strategies:
Equity Capital
Internal Accruals
Preference Capital
Term Loans
Debentures
Alternative Financing Strategies in the Context of Regulatory Requirements
2. Financial and Operating Leverages:
Financial Leverage
Degree of Financial Leverage and its Behavior
Operating Leverage
Degree of Operating Leverage and its Behavior
Combined or Total Leverage
3. Capital Investment Decisions:
Objective of capital investment decisions
Estimation of project cash flows
Forecasting and its relation to regulation of capital for short, medium, and long-term periods
Relationship between sales, production, and other functional budgets
Cash Forecasts
Cost analysis for projects
Methods of Investment appraisal
Social Cost-Benefit Analysis
4. Capital Budgeting for International Project Investment Decisions:
Foreign Investment Analysis
Special Considerations - Foreign & Home Currency Cash Flows
Foreign Currency Discount Rates Computation
International Portfolio Investment and Institutional Constraints
Direct and Indirect Channels for International Portfolio Investment
Exchange and Country Risk
Return and Risk of Foreign Investment
Capital asset pricing model
Arbitrage pricing theory
International Capital Budgeting Issues involved in overseas projects
Approaches for the evaluation of overseas projects
Evaluation methods
Impact of transfer pricing
Adjustment of Risk and Uncertainty in Capital Budgeting Decision
5. Risk Analysis:
Sources & Perspectives on Risk
Sensitivity Analysis
Scenario Analysis
Hillier Model
Simulation Analysis
Decision Tree Analysis
Corporate Risk Analysis
Managing Risk
Project Selection Under Risk
Risk Analysis in Practice
6. Decision Making:
Decision Making using Cost-Volume-Profit (CVP) Analysis
Decision Making using Relevant Cost Concepts
Decision Making using Activity Based Costing
Ethical and Non-Financial Considerations Relevant to Decision Making
CAIIB Syllabus Paper 3 Module C: Valuation, Mergers & Acquisitions
Here's an overview of the topics related to Corporate Valuations, Valuation Approaches, Discounted Cash Flow Valuation, Non-DCF Valuation Models, Special Cases of Valuation, Mergers, Acquisitions, Restructuring, and Deal Structuring:
1. Corporate Valuations:
Approaches to Corporate Valuation
Adjusted Book Value Approach
Stock and Debt Approach
Direct Comparison Approach
Discounted Cash Flow Approach
Steps involved in valuation using DCF Approach
2. Discounted Cash Flow Valuation:
Estimating Inputs
Approaches to Discounted Cash Flow Models
Various Discounted Cash Flow Models
Dividend Discount Model
Applicability of the Dividend Discount Model
3. Other Non-DCF Valuation Models:
Relative Valuation Model
Equity Valuation Multiples Model
Enterprise Value Multiples Model
Choosing the right multiples
Book value approach Model
Stock and debt approach
4. Special Cases of Valuation:
Intangibles – Brand, Human valuation, etc.
Real estate Firms
Start-up firms
Firms with negative or low earnings
Financial Service companies
Distressed firms
Valuation of cash and cross-holdings
Warrants and convertibles
Cyclical & non-cyclical companies
Holding companies
E-commerce firms
5. Mergers, Acquisitions, and Restructuring:
Types of Transactions
Reasons for Merger
Mechanics of a Merger
Costs and Benefits of a Merger
Exchange Ratio in a Merger
Purchase of a Division / Plant
Takeovers
Leveraged Buyouts
Acquisition Financing
Business Alliances
Managing Acquisitions
Divestitures
Holding Company
Demergers
6. Deal Structuring and Financial Strategies:
Negotiations
Payment and legal considerations
Tax and accounting considerations
Tax reliefs and benefits in case of Amalgamation in India
Financial reporting of business combinations
Deal Financing
Financing of cross-border acquisitions in India
CAIIB Syllabus Paper 3 Module D: Emerging Business Solutions
Here's an overview of the topics related to Hybrid Finance, Start-up Finance, Private Equity and Venture Capital, Artificial Intelligence, Business Analytics, Green and Sustainable Financing, and Special Purpose Acquisition Company (SPAC):
1. Hybrid Finance:
Advantages and disadvantages of Hybrid securities
Types of Hybrid Securities
Preference Share Capital
Features of Warrants
Features of Convertible Debentures
Differences between Warrants and Convertible debentures
Valuation of Warrants
Valuation of Compulsorily Convertible (Partly or fully) Debentures
Objective of issuing Warrants and Convertible debentures
Features of Foreign Currency Convertible Bond (FCCB)
Mezzanine Financing
Innovative Hybrids
2. Start-up Finance:
Benefits to startup under the Startup Plan
Startup definition in India
Challenges Faced by Startups
State Startup Policy
Pitch Presentation
Programmes and competitions for startups
Tax exemptions
Funding
Investor’s Outlook in Startups
Funding schemes and programs
International challenges and bridges
3. Private Equity and Venture Capital:
Characteristics of Venture Capital Investments
Characteristics shared by Private Equity and Venture Capital as well as their key distinctions
Financing options available through Venture Capital
Investment in Private Equity
Benefits obtained through private equity
Drawbacks to the practice of private equity
Due diligence
Exit Strategies
4. Artificial Intelligence:
History of Artificial Intelligence
Applicability of Artificial Intelligence
Artificial Intelligence in Banking and Finance
The future scope of Artificial Intelligence
Neural Networks
Control Theory and Cybernetics
Rational Agents
Motion and Manipulation
Tools and Techniques of Artificial Intelligence
Artificial Intelligence and Morality
5. Business Analytics as Management Tool:
Essentials of Business Analytics
Types of Analytics
Elements of Business Analytics
Big Data Analytics
Web and Mobile Analytics
Comparing Web Vs Mobile Analytics
Importance of Business Analytics
6. Green and Sustainable Financing:
ISO Standards for Green Finance
Building Green Finance
International Best Practices Towards Green Finance
Public Policy in India
Progress of Green Finance in India
Challenges and Way Forward
Growth of Regulatory Framework
National Efforts Towards Green and Sustainable Financing
RBI Views on Climate Risk and Sustainable Finance
7. Special Purpose Acquisition Company (SPAC):
Advantages of SPAC
Disadvantages of SPAC
SPAC Formation and Timelines
The SPAC Merger
Stakeholders
Characteristics of SPACs
Process
SPAC Capital Structure
Trust Account
Warrants
Forward Purchase
IPO Agreements
De-SPAC Process
CAIIB Syllabus Paper 4: Banking Regulations and Business Laws (BRBL)
The table below provides a detailed CAIIB syllabus of all four modules of Paper 4, i.e. Banking Regulations and Business Laws (BRBL):
CAIIB Syllabus 2025 Paper 4: Banking Regulations and Business Laws (BRBL)
dule A: Regulations and Compliance
Module B: Important Acts/Laws & Legal Aspects – Part A
Module C: Important Acts/Laws & Legal Aspects – Part B
Module D: Commercial & Other Laws with Reference to Banking Operations
Legal Framework of Regulation of Banks
The Prevention of Money Laundering Act, 2002
Reserve Bank – Integrated Ombudsman Scheme, 2021
Meaning and Essentials of a Contract
Control over Organisation of Banks
Negotiable Instruments Act, 1881
The Micro, Small and Medium Enterprises Development Act, 2006
Contracts of Indemnity
Regulation of Banking Business
Foreign Exchange Management Act, 1999
Introduction to Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act, 2002)
Preservation of Records and Return of Paid Instruments
Special Audit, Inspection, and Scrutiny
Board for Financial Supervision
Acquisition of Undertakings
Amalgamation of Banks
Winding up of Banks
Penalties for Offenses
5. Different Categories of Banks:
Public Sector Banks
Private Sector Banks
Regional Rural Banks
Differentiated Banks and Co-operative Banks
Local Area Banks
State Bank of India
6. Regulation of Non-Banking Financial Companies (NBFCs):
Regulators of NBFCs
Role of NBFC in Promoting Inclusive Growth
Registration
Revised Scale-Based Regulatory Structure
Nomenclature and Regulatory Norms
Capital Guidelines
Prudential Guidelines
Corporate Governance
Fair Practices Code for applicable NBFC
Bank Finance to NBFCs registered/not requiring registration with RBI
Co-lending by banks and NBFCs to Priority Sector Advances (PSA)
7. Financial Sector Legislative Reforms and Financial Stability and Development Council:
Narasimham Committees
Banking Sector Reforms
Reforms in Monetary Policy
Reforms in Financial Markets
Reforms in Forex Market
Financial Sector Development Council (FSDC)
Function of the FSDC
Wings of FSDC
CAIIB Syllabus Paper 4 Module B: Important Acts/Laws & Legal Aspects of Banking Operations –Part A
Here's an overview of the topics related to various financial and legal acts:
1. The Prevention of Money Laundering Act, 2002:
Offence of Money Laundering
Punishment for Money Laundering
Obligations of Banking Companies, Financial Institutions, and Intermediaries
Enhanced Due Diligence
Rules Framed
Records to be Maintained
Information contained in the Records
Procedure for Maintaining Information
Procedure for Furnishing Information to the Director
Verification of Records of the Identity of Clients
Maintenance of Records of Identity of Clients
Some Cases pertaining to the Act
2. Negotiable Instruments Act, 1881:
Negotiable Instruments, Types, and Characteristics
Drawer/Acceptor
Payment of Cheques – Protection to Bankers’/Customers’
Material Alteration
Where Alteration is not apparent
Protection to the Collecting Banker
3. Foreign Exchange Management Act, 1999:
Meaning of Certain Important Terms Used in FEMA
Regulation and Management of Foreign Exchange
Powers of RBI with Respect to Authorized Persons
Contravention, Penalties, Adjudication, and Appeals
Directorate of Enforcement
Special Provisions Relating to Assets held outside India
4. Payment & Settlement Systems Act, 2007:
Definitions
Designated Authority/Authorization
Regulation and Supervision by the RBI
Settlement and Netting
Power of RBI to make regulations
5. Law Relating to Securities and Modes of Charge – I:
Mortgage
Document of Title to Immoveable Property – Meaning
Copy of Document of Title to Immoveable Property Where Acceptable
6. Law Relating to Securities and Modes of Charge – II:
Appropriation
Assignment
Pledge
Hypothecation
Banker's lien
Set-off
Creation/Registration and Satisfaction of Charges
What is a Charge?
Procedure for Registration of Charge
Effect of Registration of Charges
Effect of Non-registration of Charges
Provisions of Companies Act 2013 Relating to Registration of Charges
CAIIB 2025 Marking Scheme
To successfully clear each subject of the CAIIB exam, candidates must secure a minimum score of 50 marks out of the total 100 marks allotted.
Alternatively, candidates who manage to obtain a minimum of 45 marks in every subject and an overall aggregate of at least 50% in a single attempt will also be considered as having qualified for the examination.
The credits obtained for the subjects in which candidates have achieved passing marks will remain valid until the specified time limit expires for completing the entire examination process.
CAIIB Exam Pattern 2025 for All Papers
The CAIIB Exam 2025 will include four mandatory papers and one elective paper. The compulsory papers are Advanced Bank Management (ABM), Bank Financial Management (BFM), Advanced Business and Financial Management (ABFM), and Banking Regulations and Business Laws (BRBL).
As for the elective paper, candidates can choose from subjects like Rural Banking, Human Resources Management, Risk Management, Central Banking, and Information Technology and Digital Banking to specialize in.
Each of these papers is further divided into different modules, and candidates must cover each module to qualify for the CAIIB Exam in 2025. During the registration process, candidates need to select their preferred language for the exam, which can be either Hindi or English.
The CAIIB Exam 2025 will be conducted online, with each paper consisting of 100 questions, each carrying 100 marks. Candidates will have a time limit of 2 hours to complete each paper.
