CAIIB Syllabus 2022: देखें और डाउनलोड करें CAIIB सिलेबस 2022, परीक्षा पैटर्न और अन्य डिटेल

CAIIB Syllabus 2022: CAIIB पाठ्यक्रम/सिलेबस 2022 (CAIIB Syllabus 2022) CAIIB परीक्षा 2022 की बुनियाद है। CAIIB परीक्षा 2022 के लिए उपस्थित होने वाले उम्मीदवारों को CAIIB परीक्षा 2022 उन बैंकरों के लिए है जो पहले से ही बैंकिंग और वित्त संस्थान के सदस्य हैं और जिनके पास JAIIB का प्रमाणन (Certification) है। CAIIB परीक्षा को क्रैक करने के लिए एक उम्मीदवार को CAIIB सिलेबस 2022 को अच्छी तरह से पढ़ना व समझना चाहिए और अनिवार्य पेपर के साथ-साथ वैकल्पिक पेपर के सभी विषयों से परिचित होना चाहिए। इस लेख में, हमने विस्तृत तरीके से CAIIB सिलेबस 2022 के बारे में बताया है, जिसे एक उम्मीदवार को आगामी CAIIB परीक्षा 2022 को क्रैक करने के लिए कवर करना होगा।

सीएआईआईबी पाठ्यक्रम/सिलेबस 2022 (CAIIB Syllabus 2022)

CAIIB सिलेबस 2022 उन सभी विषयों का अवलोकन/ओवरव्यू प्रदान करेगा जिनसे CAIIB परीक्षा 2022 में प्रश्न पूछे जाएंगे। CAIIB सिलेबस 2022 से उम्मीदवारों को  परीक्षा के मानक के अनुसार तैयारी करने की एक स्पष्ट रूपरेखा मिलेगी। CAIIB परीक्षा 2022 इसमें दो अनिवार्य पेपर और एक वैकल्पिक पेपर होगा। CAIIB परीक्षा 2022 (CAIIB Exam 2022) में निम्नलिखित विषय शामिल होंगे:

अनिवार्य पेपर (Compulsory Paper):

1. उन्नत बैंक प्रबंधन (Advanced Bank Management)

2. बैंक वित्तीय प्रबंधन (Bank Financial Management)

वैकल्पिक पेपर (Elective Papers):

1. सेंट्रल बैंकिंग (Central Banking)
2. ग्रामीण बैंकिंग (Rural Banking)
3. खुदरा बैंकिंग (Retail Banking)
4. मानव संसाधन प्रबंधन (Human Resources Management)
5. सूचान प्रौद्योगिकी (Information Technology)
6. जोखिम प्रबंधन (Risk Management)
7. कॉर्पोरेट बैंकिंग (Corporate Banking)
8. सहकारी बैंकिंग (Co-operative Banking)
9. अंतर्राष्ट्रीय बैंकिंग (International Banking)
10. कोषागार प्रबंधन (Treasury Management)
11. वित्तीय सलाह (Financial Advising)

सीएआईआईबी परीक्षा पैटर्न 2022 (CAIIB Exam Pattern 2022)

CAIIB (भारतीय बैंकरों के प्रमाणित सहयोगी), भारतीय बैंकिंग और वित्त संस्थान (Indian Institute of Banking &Finance – IIBF) द्वारा पेश किए जाने वाले प्रमुख पाठ्यक्रमों (flagship courses) में से एक है। CAIIB का उद्देश्य बेहतर निर्णय लेने के लिए आवश्यक उन्नत ज्ञान प्रदान करना है जिसमें ट्रेजरी प्रबंधन, जोखिम प्रबंधन, बैलेंस शीट प्रबंधन, क्रेडिट प्रबंधन, अंतर्राष्ट्रीय बैंकिंग, आर्थिक विश्लेषण आदि शामिल हैं। 26 जून, 03 जुलाई और 09 जुलाई, 2022 को CAIIB परीक्षा 2022 आयोजित होने वाली है। भारतीय बैंकिंग और वित्त संस्थान (IIBF), CAIIB के लिए परीक्षा पैटर्न तय करता है। CAIIB परीक्षा 2022 की मुख्य विशेषताएं नीचे दी गई हैं:

• CAIIB परीक्षा 2022 केवल ऑनलाइन माध्यम में आयोजित की जाएगी।
• CAIIB परीक्षा 2022 में तीन पेपर, दो अनिवार्य पेपर (उन्नत बैंक प्रबंधन और बैंक वित्तीय प्रबंधन – Advanced Bank Management and Bank Financial Management) और उम्मीदवार की पसंद का एक वैकल्पिक पेपर होता है।
• तीनों पेपरों में से प्रत्येक में 100 अंकों के 100 बहुविकल्पीय प्रश्न होंगे।
• प्रत्येक पेपर को पूरा करने के लिए आवंटित समय अवधि 2 घंटे होगी।
• परीक्षा का पेपर द्विभाषी होगा यानी अंग्रेजी और हिंदी दोनों भाषाओं में होंगे।
• CAIIB परीक्षा 2022 में कोई नकारात्मक अंकन (Negative Marking) नहीं है।

Papers	Questions	Total Marks	Duration
Advanced Bank Management	100	100	2 hours
Bank Financial Management	100	100	2 hours
Elective Paper	100	100	2 hours

CAIIB Syllabus 2022: उन्नत बैंक प्रबंधन (Advanced Bank Management)

• अर्थशास्त्र के मूल सिद्धांत, कमी और दक्षता (The fundamentals of Economics; Scarcity and Efficiency)- Microeconomics and Macroeconomics in brief – Types of economies – Market, Command and Mixed Economies. Macroeconomics: Business cycles – Money and banking – Unemployment & inflation – Interest rate determination and various types of interest rates.
• भारतीय अर्थव्यवस्था (Indian Economy) – Overview of the Indian economy including recent reforms, Interaction between fiscal, monetary and exchange rate policies in India
• आर्थिक/वित्तीय बाज़ार (Financial Markets) – Money Market, Capital Market, Foreign Exchange Market, Globalization and its impact, Challenges ahead, Banking & Finance, Current issues

Module B: व्यावसायिक गणित (Business Mathematics)

• धन के समय मूल्य की अवधारणा (Concept of Time Value of Money) – Net Present Value, Discounted Cash Flow, Sampling methods, Presentation of data, Analysis and interpretation of sample data, hypothesis-testing
• समय श्रृंखला विश्लेषण (Time series analysis) – Mean/ standard deviation, Co-relation, Regression, Covariance and volatility, Probability distribution
• विश्वास अंतराल विश्लेषण (Confidence interval analysis) – Estimating parameters of the distribution
• बांड मूल्यांकन (Bond valuation) – Duration, Modified duration.
• रैखिक प्रोग्रामिंग (Linear programming) – Decision making, Simulation, Statistical analysis using spreadsheets
• स्प्रेडशीट की विशेषताएं (Features of Spreadsheet) – Macros, Pivot table, Statistical and mathematical formulae.

Module C: बैंकों में मानव संसाधन प्रबंधन (HRM in Banks)

• मानव संसाधन प्रबंधन (HRM) – Fundamentals of HRM, Development of HRM in India, Relationship between HRM and HRD, Structure and functions of HRD, Role of HR professional
• संगठनों के मानवीय निहितार्थ (Human implications of organizations) – Training and development, attitude and soft skills development, Role and impact of training, Career path planning and counseling, Employee behavior, Theories of motivation and their practical implications, Role concepts and analysis, self-development
• निष्पादन प्रबंधन और मूल्यांकन प्रणाली (Performance Management and Appraisal Systems) – Reward/ punishment and compensation systems, HRM and Information Technology, Information and data management, Knowledge management

Module D: क्रेडिट प्रबंधन (Credit Management)

• क्रेडिट प्रबंधन: अवलोकन (Credit Management: Overview) – Principles of Credit Management Credit Appraisal, Analyzing Financial Performance, Relationship between items in Balance Sheet and Profit and Loss Account, Trend Analysis, Comparative Statement, Common Size Statement, Preparation of projected Financial Statements
• अनुपातिक विश्लेषण (Ratio Analysis) – Interpretation and analysis of different Ratios, Limitation of the use of ratios, Statement of Sources and Applications of Funds.
• ऋण प्रस्ताव की संरचना (Structuring a Credit Proposal) – Working Capital Concept and Management Appraisal techniques for different constituents, Trade cycle, credit rating, Technical and economic feasibility studies
• क्रेडिट रेटिंगCredit Rating) – Rating Methodology, Objectives and benefits of rating
• सावधि उधार (Term Lending) – Debt Service Coverage Ratio, Cash Flow Analysis, Cash Budget, Bill Finance, Deferred Payment Guarantee, Credit Scoring, Credit Delivery System, Documentation, Post sanction supervision, Control and monitoring of credit, Consortium finance, Multiple banking, Syndication of loans, Infrastructure financing
• क्रेडिट डिफॉल्ट से निपटना (Dealing with credit defaults) – Stressed assets, Corporate Debt restructuring, SARFAESI, NPAs, recovery options, write-off.
• डिफॉल्टरों की सूची का खुलासा (Disclosure of the list of defaulter’s) – Objectives and procedure, Appraisal methodology for different types of clients/ products.

CAIIB Syllabus 2022: बैंक वित्तीय प्रबंधन (Bank Financial Management)

बैंक वित्तीय प्रबंधन का विस्तृत पाठ्यक्रम उनके मॉड्यूल के साथ नीचे दिया गया है।

Module A- अंतर्राष्ट्रीय बैंकिंग (International Banking)

• विदेशी मुद्रा व्यापार (Forex Business) – Factors determining exchange rates, Direct and indirect quotations, Spot/ forward rates, premium, and discount, Cross rates, Basics of forex derivatives, Forward exchange rate contracts, Options, Swaps. Correspondent banking, NRI accounts
• दस्तावेजी साख पत्र (Documentary Letters of Credit) – UCPDC 600, various facilities to exporters and importers, Risks in foreign trade, the role of ECGC, types of insurance and guarantee covers or ECGC, Role of Exim Bank – Role of RBI and exchange control, Regulations in India, Role, and rules of FEDAI, Role of FEMA and its rules

Module B: जोखिम प्रबंधन (Risk Management)

• जोखिम प्रबंधन: अवलोकन (Risk Management: Overview)- Risk-Concept, Risk in Banks, Risk Management Framework, Organizational Structure, Risk Identification, Risk Measurement, Sensitivity, Basis Point Value (BPV), Duration, Downside Potential, Value at Risk, Back Testing, tress Testing, Risk Monitoring and Control, Risk Reporting, Market Risk identification

Module C: कोषागार प्रबंधन (Treasury Management)

• कोषागार प्रबंधन (Treasury Management) – Risk rating methodology, Risk weights, eligible collateral for mitigation, guarantees, Credit ratings, transition matrices, default probabilities, Credit risk spreads, Risk migration and credit metrics, Counterparty risk. Credit exposures, Recovery rates, risk mitigation techniques, Operational and Integrated Risk Management, Risk management and capital management, ‘Basel Norms – Current guidelines on risk management
• अवधारणाएं और कार्य (Concepts and function) – Instruments in the treasury market, Development of new financial products, Control and supervision of treasury management, Linkage of domestic operations with foreign operations
• जोखिम प्रबंधन (Risk Management) – Interest rate risk, Interest rate futures, Mix/ Pricing of Assets, Liabilities, On-Balance Sheet Investment and Funding Strategies, Stock options, debt instruments, bond portfolio strategy, risk control, and hedging instruments
• निवेश (Investments) – Treasury bills, money market instruments such as CDs, CPs, IBPs Securitization, and Forfaiting Refinance and rediscounting facilities, Derivatives – Credit Default Swaps/ Options

Module D- बैलेंस शीट प्रबंधन (Balance Sheet Management)

• विवेकपूर्ण मानदंड (Prudential norms) – Capital Adequacy
• ‘बेसल नॉर्म्स’ के दिशा-निर्देशों का क्रियान्वयन (Implementation of ‘Basel Norm’s guidelines)- RBI guidelines, Banks Balance Sheet, Components of assets/ Liabilities/ ALM Implementation, RBI Guidelines, Gap Analysis, Mechanics, Assumptions, and Limitations, Illustrations of Actual Gap Reports, The Relationship Between Gap and Income Statement, Funding Liquidity, Trading/ Managing Liquidity
• आकस्मिक धन और व्यापार रणनीतियाँ (Contingency Funding and Business Strategies) – Profit and profitability analysis, Asset Classification, Provisioning – effect of NPA on profitability, Shareholder value maximization & EVA, Profit planning measures to improve profitability, Disclosure guidelines

CAIIB Syllabus 2022: वैकल्पिक पेपर (Elective Paper)

CAIIB Syllabus 2022 also contain an elective paper. Aspirants have to make their own choice and choose the elective paper among the options available to them. Below we have provided the different elective papers that a candidate can opt for according to their interest. The different Elective Papers along with their modules are discussed here. CAIIB सिलेबस 2022 में एक वैकल्पिक पेपर भी होता है। उम्मीदवारों को अपनी पसंद का पेपर चुनना होगा और उन्हें उपलब्ध विकल्पों में से वैकल्पिक पेपर का चयन करना होगा। नीचे हमने विभिन्न वैकल्पिक पेपर प्रदान किए हैं जिन्हें एक उम्मीदवार अपनी रुचि के अनुसार चुन सकता है। विभिन्न वैकल्पिक पत्रों के साथ उनके मॉड्यूल पर यहां चर्चा की गई है।

CAIIB Syllabus 2022 Elective Paper 1: सेंट्रल बैंकिंग (Central Banking)

Module – A: सेंट्रल बैंक का औचित्य और कार्य (Rationale and Functions of Central Bank)

1. Evolution and Functions of Central Banking: Evolution of Theory and Practice of Central Banking, Development of Central Banks in Developed and Developing countries.
2. 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.
3. Contemporary Issues: Desirability, Autonomy, and independence, Credibility, accountability, and transparency of a Central Bank, conflict with fiscal policies.

Module – B: भारत में सेंट्रल बैंकिंग (Central Banking in India)

1. Reserve Bank of India: Organizational evolution, Constitution and Governance, Major organizational and Functional Developments over time, Recent Developments, RBI Act.
2. 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.
3. Glossary of Central Banking Terms.

Module – C: मौद्रिक नीति और ऋण नीति (Monetary Policy and Credit Policy)

1. 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.
2. Credit Policy: Objectives, Theory, and Practice, Instruments.
3. An overview of Fiscal Policy: Importance of Budgets, Union Budget, State Budget, Finances of Union and State Governments, Finance Commission.
4. Striking balance between inflation and growth through monetary and fiscal policies.

Module – D: पर्यवेक्षण और वित्तीय स्थिरता (Supervision and Financial Stability)

1. Indian Financial System: Constituents of Indian Financial Markets and their Regulation. Evolution of Bank Regulation and supervision.
2. 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.

CAIIB Syllabus 2022 Elective Paper 2: ग्रामीण बैंकिंग (Rural Banking)

Module – A: ग्रामीण भारत (Rural India)

• जनसांख्यिकीय विशेषताएं (Demographic features) : Population, occupation, literacy, socio-economic development indicators, health, nutrition, and education, – urban migration.
• ग्रामीण समाज के लक्षण (Characteristics of Rural Society) : Caste and power structure – rural social stratification, Economic Features: 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.
• ग्रामीण बुनियादी ढांचा (Rural infrastructure) :  Transport, Power, Markets, and other services.
• कृषि अर्थव्यवस्था (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.
• ग्रामीण विकास नीति (Rural Development Policy) :  Govt. policies and programs for rural farm and non-farm sectors. Economic reforms and their impact on the rural economy.
• ग्रामीण मुद्दे (Rural Issues) :  Development issues, Management Issues, Marketing issues, Pricing issues.

Module – B: ग्रामीण विकास का वित्तपोषण (Financing Rural Development)

• ग्रामीण वित्तीय सेवाओं का विनियमन (Regulation of Rural Financial Services) – Function and policies of RBI in Rural Banking, NABARD Main functions, role, refinance support. Lead bank approach, State level, and District Level Credit committees.
• ग्रामीण ऋण संस्थाएँ (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.
• कृषि / संबद्ध गतिविधियों का वित्तपोषण (Financing agriculture/ allied activities) – Crop Loans Assessment, Sanction, Disbursement, replacement. Term loans for irrigation, farm mechanization, Go-downs/ cold-storage facilities, etc. Financing allied agriculture activities like Horticulture, Fisheries, Social forestry, etc. Finance against Warehouse/ cold storage receipts.
• ग्रामीण गैर-कृषि क्षेत्र का वित्तपोषण (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.
• सिडबी से एसएमई और लघु उद्यम पुनर्वित्त का वित्तपोषण (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: प्राथमिकता प्राप्त क्षेत्र के वित्तपोषण और सरकारी पहल (Priority Sector Financing and Government initiatives)

• प्राथमिकता प्राप्त क्षेत्र के घटक (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.
• प्राथमिकता प्राप्त क्षेत्र के अंतर्गत ग्रामीण आवास एवं शहरी आवास योजनाएँ (Rural housing and Urban housing schemes under priority sector) – there refinance, Educational loans.

Module – D: ग्रामीण बैंकिंग में समस्याएं और संभावनाएं (Problems and prospects in Rural Banking)

• ग्रामीण बैंकिंग की भूमिका (Role of rural banking) – Problems of Rural branches of Commercial banks – transaction costs and risk costs.
• प्रौद्योगिकी/तकनीकि आधारित वित्तीय समावेशन (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 Syllabus 2022 Elective Paper 3: खुदरा/रिटेल बैंकिंग (Retail Banking)

Module – A: परिचय (Introduction)

इतिहास और परिभाषा, बैंक संचालन के भीतर भूमिका, खुदरा और कॉर्पोरेट/थोक बैंकिंग के बीच रिटेलिंग अथवा खुदरा अवधारणाओं की उपयुक्तता भेद।

Module – B: खुदरा/रिटेलिंग उत्पाद (Retail Products)

• खुदरा उत्पाद अवलोकन (Retail Products Overview) – Customer requirements, Products development process, Liabilities and Assets Products/ Description of Liability products, Description of Asset Products, the Approval process for retail loans, credit scoring.
• महत्वपूर्ण संपत्ति उत्पाद (Important Asset Products) – Home Loans – Eligibility, Purpose, Amounts, Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection.
• ऑटो / वाहन ऋण (Auto/ Vehicle Loans) – Eligibility, Purpose, Amounts, Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection.
• व्यक्तिगत ऋण (Personal Loans) – Eligibility, Purpose, Amounts, Security, Disbursement, Moratorium, Prepayment issues, Repayments/ Collection, Educational Loans Eligibility, Purpose, Amounts, Security, Disbursement, Moratorium, Prepayment issues, Repayments.
• क्रेडिट/डेबिट कार्ड (Credit/ Debit Cards) – Credit Vs Debit Cards, Eligibility, Purpose, Amounts, Margin, Security, Process of using the cards, Billing Cycle, Credit Points, Other Products/ Remittances/ Funds Transfer.

Module – C: रिटेल/खुदरा उत्पादों की मार्केटिंग/बिक्री, एमआईएस और अकाउंटिंग (Marketing/ Selling of retail products, MIS and Accounting)

• रिटेल/खुदरा रणनीतियाँ (Retail Strategies) – Tie-up with Institutions for Personal loans/ Credit cards/ Educational loans, with OEMs/ Authorized Dealers for Auto/ Vehicle loans, and with Builders/ Developers for Home loans
• वितरण चैनल (Delivery Channels) – Branch, Extension counters, ATMs, POS, Internet Banking, M-Banking.
• रिटेल/खुदरा उत्पादों में बिक्री प्रक्रिया (Selling Process in retail products) – Direct Selling Agents.
• ग्राहक संबंध प्रबंधन (Customer Relationship Management) – Role and impact of customer relationship management, Stages in customer relationship management process.
• रिटेल/खुदरा बैंकिंग के लिए विनियम और अनुपालन प्रौद्योगिकी (Regulations and compliance Technology for Retail Banking) – Static information, Account opening, basic loan origination data, etc. The updated information like income details at different frequencies. Transaction information from disbursement till final settlement of the loan amount. Analytics/ Alerts.
• लेखांकन प्रविष्टियाँ (Accounting entries) – Loan process and the relevant accounting including EMI Computation.

Module – D: खुदरा बैंकिंग से संबंधित अन्य मुद्दे (Other issues related to Retail Banking)

• प्रतिभूतिकरण, बंधक/मॉर्गेज-आधारित प्रतिभूतियां
• खुदरा बिक्री में रुझान (Trends in retailing) – New products like Insurance, Demat services, online/ Phone Banking, Property services, Investment advisory/ Wealth management.
• रिवर्स मॉर्गेज (Reverse Mortgage) – Growth of e-banking, Cross-selling opportunities.
• खुदरा ऋणों की वसूली (Recovery of Retail Loans) – Defaults, Rescheduling, recovery process. SARAFAESI Act, DRT Act, use of Lok Adalat forum. Recovery Agents – RBI guidelines.
• बीमा जैसे नए उत्पाद (New products like Insurance) – Demat services, online/ Phone Banking, Property services, Investment advisory/ Wealth management.

CAIIB Syllabus 2022 Elective Paper 4: मानव संसाधन प्रबंधन (Human Resource Management)

Module – A: मानव संसाधन प्रबंधन (Human Resources Management)

1. Concepts, Policies, and Practices: Fundamentals of HRM; Importance of Human Capital, Management of transformation, New insights into HR Management and contemporary issues, Relationship between HRM and HRD; Structure and Functions, Policies and Practices, Role of HRD professional, Development of HRM in India.
2. संगठनों में व्यवहारिक गतिकी (Behavioral Dynamics in organizations): Person – Job Fit, Group Dynamics, Group Problem Solving and effectiveness, Leadership and Teambuilding, Change Management, Human Response – Implications of benchmarking; TQM, BPR, ISO 9000 Series and other techniques for Organizational improvement and Management of Service Industry; Quality Circles. Six Sigma and its implication in organizational development.
3. संगठनात्मक परिवर्तन और विकास (Organizational Change and Development) :  Responsibility Charting, Conditions for Optimal Success, Role of Change Agent and Managing Change.
4. बैंक में मानव संसाधन प्रबंधन (HRM in Banks) : Traditional Role of Human Resources Department in Banks, Expectations from HR Department, Conflict of new initiatives with work culture and capacity, Major HRM challenges facing Banks, Core Banking and HR challenges,
5. बैंकों में ज्ञान प्रबंधन (Knowledge management in Banks) : Need for Knowledge Management Officer, Role in the Banks, HRM and Information Technology, Information and Database Management, Preparation and updation of Manuals and job cards, Linkage with Educational Institutions.

Module – B: मानव संसाधन रणनीति बनाना (Building an HR strategy)

1. रणनीति निर्माण और कार्यान्वयन (Strategy Formulation and implementation): Need for a distinctive HR strategy, Formulating the strategy; a connecting strategy to the organization, aligning HR Systems with decision framework, Relationship between Sustainable strategic success and performance of the organization, Execution of strategy: Role of CEO, Executive Team, and line Managers, Succession Planning, HRD Audit, Effectiveness of HRD, Best HR practices in banks.
2. संगठनात्मक संचार (Organizational Communication): Barriers to Communications, Steps for effective communication in the organization
3. जनशक्ति/श्रम शक्ति नियोजन (Manpower Planning): Recruitment, Selection, Placement, and Promotion. Recruitment Vs Outsourcing: Concept and Feasibility of Outsourcing, advantages, disadvantages, and constraints, Compensation; incentive system linked to productivity, dealing with attrition.
4. प्रदर्शन प्रबंधन और मूल्यांकन प्रणाली (Performance Management and Appraisal Systems): Performance Appraisal System, Role of PAS, Emerging Trends, 360-degree performance Appraisal, Appraisal Vs Feedback, Competency Mapping, Key Performance Areas (KPA).

Module – C: प्रेरणा, प्रशिक्षण और कौशल विकास (Motivation, Training and Skill Development)

1. Human implications of Organizations; Learning and instructions, Learning Processes, Employee Behavior, Theories of Motivation and their practical implications, Motivational strategies, Reward and Incentive schemes, job enrichment, job rotation. Employee development strategies and Techniques.
2. Training and Development; Attitude development, Role and impact of training, Career Path Planning and Counseling, Changing face of Banking, Future of Bank Education, Identification of Training Needs.
3. Training Methodology; subject matters of Training, Training infrastructure in Banks, outsourcing of Training, On – the job training, Management of conflict between Training and operations due to manpower constraints, Development of soft skills and communications. Developing competencies through e-learning, virtual learning, and self-directed learning. Training measurement and impact.

Module – D: कार्मिक प्रबंधन और औद्योगिक संबंध (Personnel Management and Industrial Relations)

1. The personnel functions; Legal aspects of personnel functions, trade unionism, and Industrial Relations; Industrial Relations and Negotiations in the Indian Banking Industry, Collective Bargaining Concepts; Bipartite Settlements in Banking, Employee Welfare;
   Policies and Schemes.
2. Grievance Redressal and Discipline; Mechanism and Processes, Discipline Management
   including Domestic Enquiry, Role of Management and Functions, Conflict Management and Resolution, Frauds in Banks, Risks attached to Delegation of Financial Powers; Precautions and Controls, need for a vigilance Dept. in Banks, Diversity and Gender
   Issues, Dealing with the cases of Sexual harassment.
3. Workers’ Participation in Management, Experience of Employee Participation in the Indian banking industry.

CAIIB Syllabus 2022 Elective Paper 5: सूचान प्रौद्योगिकी (Information Technology)

Module – A: सूचना प्रौद्योगिकी का परिचय (Introduction to Information Technology)

• बैंकिंग पर आईटी का प्रभाव (Impact of IT on Banking):  Changing Financial Environment and IT as a Strategic Response. Hardware (H/ W) – Software: (S/ W)
• सिस्टम सॉफ्ट्वेयर (System Software): Operating Systems (Desktop OS/ Server OS) Windows (Desktop/ Server)/ UNIX (H. P. Unix, Sun Solaris, Linux, IBMAIX). 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.)
• एप्लीकेशन सॉफ्टवेयर (Application Software): Packaged Software, Custom-built Software, etc. Computer Networks.
• उपकरण और डेटा संचार (Equipment & Data Communication): Computer Networks: Network Layers, Topologies, Protocols, IP Address Mechanisms, LAN, WAN, VLAN, Intranet, Extranet, Internet.
• नेटवर्क उपकरण (Network Equipment): Cables (BNC, Twisted Pair, Fibre Optics), Connectors, I/Os, Patch Panel, Jack Panels, Network Racks.
• डेटा संचार (Data Communication): CLL, Leased Lines, MPLS, VPNS, ISDN, Satellite Links, WiFi, Wi-Max.
• नेटवर्क / सुरक्षा उपकरण (Network/ Security Equipment): Modems, Hubs, Switches, Bridges, Routers, Firewalls, NIDS, HIDS, IPS.

Module – B: सिस्टम और डिजाइन (System and Design)

• सिस्टम डिजाइन और विश्लेषण डेटा मॉडलिंग (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).
• सॉफ्टवेयर डेवलपमेंट लाइफ साइकल (Software Development Life Cycle – SDLC) – Various phases of SDLC, In-house/ Out-sourcing, Software Project Management, Computer-Aided Software Engineering (CASE) Tools.
• सिस्टम आर्किटेक्चर (System Architecture) – Clients (Hardware/ Software), Servers (Hardware/ Software). Client-Server Architecture, 3 Tier Architecture, N-Tier Architecture, etc.
• डेटा वेयरहाउसिंग (Data Warehousing) – Data Mining tools MIS and Organization Support Systems, DSS, EIS, GDSS, Groupware, and Multimedia.
• बिजनेस इंटेलिजेंस (Business Intelligence) – Expert Systems, Artificial Neural Networks (ANN) Grid Computing, Virtualization, and Consolidation.

Module C – बैंकिंग में एप्लीकेशन (Application in Banking)

• केंद्रीकृत बैंकिंग प्रणाली (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
• वितरण चैनल (Delivery Channels) – ATM, EFTPOS, Phone Banking, Internet Banking, SMS Banking, Mobile Banking, Credit/ Debit Cards, Smart Cards E-Mails, SMS alerts.
• ई-कॉमर्स (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: सुरक्षा, नियंत्रण और दिशानिर्देश (Security, Control and Guidelines)

• सूचना प्रणाली के लिए खतरा (Threats to Information System): i) 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.
• आईटी सेवा वितरण और सहायता (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 Syllabus 2022 Elective Paper 6: जोखिम प्रबंधन (Risk Management)

Module – A: अवलोकन/ओवरव्यू (An overview)

1) जोखिम परिभाषा / नीतियां (Risk definition/ policies)

i) Risk Process-Risk Organization

ii) Key risks – Credit risk, market risk, operational risk, liquidity risk, legal risk, interest rate risk and currency risk.

2) परिसंपत्ति देयता प्रबंधन(Asset Liability Management)

i) ALM Concept

ii) ALM organization

iii) ALCO techniques/ tools

iv) Simulation, Gap, Duration analysis, Linear and other statistical methods of control

3) जोखिम माप और नियंत्रण (Risk measurement & Control)

i) Calculation

ii) Risk exposure analysis

iii) Risk management/ mitigation policy

iv) Risk immunization policy/ strategy for fixing exposure limits

v) Risk management policy and procedure

vi) Risk-adjusted return on capital

vii) Capital adequacy norms

4) जोखिम प्रबंधन (Risk management)

i) Capital adequacy norms

ii) Prudential norms

iii) Exposure norms

iv) Concept of Mid office

v) Forwards

vi) Futures

vii) Options

viii) Strategies and Arbitrage opportunities

ix) Regulatory prescriptions of risk management

Module – B: क्रेडिट जोखिम प्रबंधन (Credit Risk Management)

1) Introduction

2) Basel Norms

3) Three pillars of Basel and Capital for Operational risk

4) Framework for risk management

5) RBI guidelines on risk management

6) Risk rating and risk pricing

7) Methods for estimating capital requirements

8) Credit risk – standardized approach

9) Credit risk – an advanced approach

10) Credit rating/ credit scoring and rating system design

11) Credit Bureaus

12) Stress test and sensitivity analysis

13) Internal Capital Adequacy Assessment Process (ICAAP)

14) Introduction to structured products

Module – C: परिचालन जोखिम (Operational Risk)

1) Introduction, Basel Norms

2) RBI guidelines

3) Likely forms of operational risk and causes for a significant increase in operational risk

4) Sound Principles of Operational Risk Management (SPOR)

5) SPOR – organizational setup and key responsibilities of ORM

6) SPOR – policy requirements and strategic approach for ORM

7) SPOR identification, measurement, control/ mitigation of operational risks

8) Capital allocation for operational risk, methodology, qualifying criteria for banks for the adoption of the methods

9) Computation of capital charge for operational risk

Module – D: बाज़ार जोखिम (Market risk)

1) Introduction and definition

2) Prescriptions of Basel Norms

3) Liquidity risk

4) Interest rate risk

5) foreign exchange risk

6) Price risk (Equity)

7) Commodity risk

8) Treatment of market risk under Basel

i) Standardized duration method

ii) Internal measurement approach 

Module – E: जोखिम संगठन और नीति (Risk Organization and Policy)

1) Risk Management Policy

2) Interlinkages to – Treasury

3) Credit

4) ALCO

CAIIB Syllabus 2022 Elective Paper 7- कॉर्पोरेट बैंकिंग (Corporate Banking)

CAIIB परीक्षा 2022 के कॉर्पोरेट बैंकिंग वैकल्पिक पेपर में तीन मॉड्यूल हैं। तीनों मॉड्यूल का विस्तृत पाठ्यक्रम नीचे दिया गया है।

Module A: कॉर्पोरेट बैंकिंग और वित्त (Corporate Banking and Finance)

Topics	Parts
Corporate Banking	Meaning and importance, various services provided via, Cash Management, Salary Payment Debt Management, Factoring, and Forfaiting, Trusteeship, Custodial services, Business advisory Offshore services, Trade services, Forex Management, etc.
Corporate Deposits	Importance of Institutional deposits vis-a-vis retail deposits
Corporate Finance	Working capital finance, Fund, and Non fund based limits, and Import Export finance. Corporate Debt Restructuring.

Module B: निवेश बैंकिंग (Investment Banking)

Topics	Parts
Investment Banking	Meaning and scope of Investment Banking, Evolution, an overview of the current state of Investment Banking in India.
Merchant Banking	Advisory services for equity/ debt issues, Management, placement, and distribution of equity/ debt
Mergers and Acquisitions, Divestitures	Identification, Structuring, Negotiation, and Execution, arranging finances, etc.
Corporate advisory services	Capital restructuring, Project advisory, Private equity, and Venture capital, Loan Syndication, etc.

Module C: परियोजना और अवसंरचना वित्त (Project and Infrastructure Finance)

Topics	Parts
Characteristics of Project Finance	Technology selection, Assessment of technical collaborator
Market Analysis	International competitiveness and SWOT analysis – Assessing the project cost Means of financing projects, Estimation of project cash flows – Use of free and equity cash flow valuation for assessing projects
Financial Analysis	Break-even point analysis, Decision tree, Scenario analysis and Internal Rate of Return, Sensitivity analysis Common risks in projects Risk mitigation methodologies in projects, Securitization as a tool for risk mitigation Project planning, Network techniques for project implementation Disbursement, supervision, and follow-up of the project by the lender Infrastructure financing cash flow deal agreement with parties involved – SPV Monitoring, and follow-up of the project.

CAIIB Syllabus 2022 Elective Paper 8: सहकारी बैंकिंग (Co-operative Banking)

CAIIB सिलेबस 2022 के वैकल्पिक पत्रों में से एक सहकारी बैंकिंग है। सहकारी बैंकिंग के चार मॉड्यूल हैं। इसके महत्वपूर्ण विषयों के साथ विभिन्न मॉड्यूल नीचे तालिका में दिए गए हैं।

Module – A: सहकारी बैंकिंग के सिद्धांत और कानून और सहकारी बैंकों से संबंधित नियम (Principles and Laws of co-operative Banking Law and rules relating to Co-operative Banks)

Topics

Parts

Principles of Co-operation

A brief overview of the structure of co-operative credit institutions – Membership Legal aspects of banking operations – Banking related laws – Provisions of Bankers Book Evidence Act Special features of Recovery of Debts Due to Banks and Financial Institutions Act, 1993 Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 The Consumer Protection Act, 1986 – Banking Ombudsman

Module B: सहकारी बैंकिंग संचालन (Co-operative Banking Operations)

Topics

Parts

Deposits, Credit & Investment Management

Different Deposit Products – Deposit Policy – Credit Management Loans and advances Priority sector lending – MSME financing – Personal Finance – Banker – Customer relations Garnishee orders and Attachment orders, Bankers’ right of lien, set-off, and appropriation Indemnities and Bank Guarantees; Loan Policy – Management of NPA – Investment Management CRR or SLR Management – Financial Markets – guidelines of RBI/ NABARD regarding investment Money Market – Call money – Repos and Reverse Repos – Foreign Exchange Market Debt market – Bancassurance – Meaning and Scope of Investment Policy

Module C: प्रौद्योगिकी, जोखिम प्रबंधन (Technology, Risk Management)

Topics	Parts
Technology Banking	Electronic Payment systems or core banking solutions – Electronic funds transfer systems RTGS – Risk Management – Exposure limits – Asset Liability Management – Capital Adequacy Basel Norms – Profit and Profitability – Approach of Banks to profitability Effects of NPA on profitability – A profitability model

Module D: पर्यवेक्षी और नियामक पहलू (Supervisory and Regulatory Aspects)

Topics	Parts
Banking Regulation Act (As applicable to Co-operative Banks)	Role of R.B.I. -Supervision, and control – Branch licensing – Inspection/ Audit – Statutory/ Reserve requirements R.B.I. guidelines on Deposits, Advance, Priority sector lending, Weaker section lending, Control Returns Recommendations of Marathi Committee, Madhav Rao Committee, and Vaidyanathan committee Role of Directors and Corporate Governance Best Practices – Management Information System.

CAIIB Syllabus 2022 Elective Paper 9: अंतर्राष्ट्रीय बैंकिंग (International Banking)

अंतर्राष्ट्रीय बैंकिंग CAIIB परीक्षा 2022 के लिए वैकल्पिक पेपरों में से एक है। अंतर्राष्ट्रीय बैंकिंग में चार मॉड्यूल हैं। सभी चार मॉड्यूल उनके महत्वपूर्ण विषयों के साथ नीचे दिए गए हैं।

Module A: अंतर्राष्ट्रीय बैंकिंग और वित्त (International Banking and Finance)

Topics	Parts
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: विदेशी मुद्रा व्यापार (Foreign Exchange Business)

Topics

Parts

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 or 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: अंतर्राष्ट्रीय व्यापार (International Trade)

Topics	Parts
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 or 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: डेरिवेटिव (Derivatives)

Topics	Parts
	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 Syllabus 2022 Elective Paper 10: कोषागार प्रबंधन (Treasury Management)

CAIIB परीक्षा 2022 के लिए वैकल्पिक पेपरों में से एक कोषागार/ट्रेजरी प्रबंधन है। ट्रेजरी प्रबंधन के चार मॉड्यूल हैं जो नीचे दिए गए हैं।

Module A: अवलोकन/ओवरव्यू (An overview)

Topics	Parts
Treasury	Objectives of Treasury Structure and organization Functions of a Treasurer Responsibility of a Treasurer

Module B: ट्रेजरी ऑपरेशन (Treasury Operations)

Topics	Parts
Liquidity Management – CRR/ CCIL/ RTGS	Objectives, sources and deployment Internal control, Netting
Cost centre/ Profit centre, integrated treasury, Planning & Control, Risk analysis	–
Treasury instruments	–

Module C: ट्रेजरी और अंतर्राष्ट्रीय बैंकिंग (Treasury and International Banking)

Topics	Parts
Treasury & International Banking	Global scenario and treasury operations Exchange rate mechanism Dealing and trading operations: control and orderly conduct, moral and ethical codes, checks and balances Revaluation: Mark to market and profit calculations, VAR (Value at Risk) Components of multi-currency balance sheet

Module D: जोखिम प्रबंधन (Risk Management)

Topics	Parts
Risk Management	Treasury and investment policy Structure: Front office, Back office, and Mid office Accounting, valuation, and exposure norms Role of information technology in treasury management Regulation and compliance Internal and External audit

CAIIB Syllabus 2022 Elective Paper 11: वित्तीय सलाह (Financial Advising)

वित्तीय सलाह भी CAIIB परीक्षा 2022 का एक वैकल्पिक पेपर है। इस वैकल्पिक पेपर में चार मॉड्यूल भी हैं।

Module A: वित्तीय सलाह का परिचय (Introduction to Financial Advising)

Topics	Parts
Introduction to Financial Advising	Indian financial and investment industry, participants in the Indian finance system Indian economic and social environment, Role of Regulators viz., RBI, SEBI, etc.
Financial counseling	Essentials in financial counseling, Profile of effective counselor, Basic communication principles Elements of non-verbal behavior, Attending and Listening skills, Counselor leading responses, understanding and meeting client’s needs through financial planning The evolution of financial planning as a profession. Marketing of financial services. Fundamental Investment concepts, The Time Value of Money, Risk-Reward Trade-Off, Diversification -Spreading Risk, Investment Timing Direct Investment – What Are They and Who Uses Them?

Module B: वित्तीय योजना (Financial Planning)

Topics	Parts
Financial Planning	Role of a Financial planner, Fundamental investment concepts, Asset classes, Asset allocation towards a financial plan Working with clients, gathering initial or additional information from the client, understanding investor’s risk appetite Meeting the client’s objectives, Asset Allocation, Good practices in financial planning Content of a comprehensive financial plan, Recommending financial planning strategies to investors
Asset allocation is the strategic tool	Selection of Investment and Insurance Products, Implementation, Ongoing Service Using stop-loss, understanding market behavior.

Module C: वित्तीय निवेश उत्पाद (Financial Investment Products)

Topics

Parts

Financial investment products

Portfolio analysis & selection, Efficient markets, Securities markets – Primary market, Secondary market Depository and investment process, regulatory framework, fundamental and technical analysis-basic philosophies, and underlying assumptions Bond and Money markets, Indian debt markets – Securities traded in the debt market, Commodities Market Insurance products, Pension products, Mutual fund industry products and services, Banking products, Investment in Real estate Cash generation and return on investment Statutory provisions regarding starting of business/ industrial units by NRIs/ MNCs.

Module D: कराधान (Taxation)

Topics	Parts
Taxation	Income Tax law, important definitions-person, Assess, Agriculture income, capital/ Revenue receipts/ expenditure Gross total income, Total income, residential status Heads of income viz salaries, income from house property, profits and gains of business or profession Capital gains, income from other sources, Income exempt from tax Permissible deductions from gross total income, income tax return, tax deducted at source
Tax planning strategies	Housewife, Salaried person, Businessman, persons having income from more than one source Retirement planning and taxation, Tax triggered investments Estate Planning, Will Administration of an estate, Passing of an asset, Tax planning through wills and trusts Taxation of Terminal benefits.

 

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