Banking

www.iibf.org.inWAYTOSUCCESSINDIAN INSTITUTE OF BANKING & FINANCE(Formerly- The Indian Institute of Bankers)An ISO 9001-2000 OrganisationDiploma in Banking and Finance (DBF)

Members of the Governing Council:President1. Dr. Anil K. Khandelwal, Chairman & Managing Director, Bank of BarodaVice President2. Shri H. N. Sinor, Chief Executive, Indian Banks' AssociationMembers3. Shri S. K. Banerji, Managing Director, The Saraswat Co-op. Bank Ltd.4. Shri O. P. Bhatt, Chairman, State Bank of India5. Prof. Y. K. Bhushan, Senior Advisor, ICFAI Business School6. Shri Gunit Chadha, Chief Executive Officer-India, Deutsche Bank AG7. Ms. H. A. Daruwalla, Chairperson & Managing Director,Central Bank of India8. Shri Abhijit Datta, Deputy Managing Director & CDO, State Bank of India9. Shri Bhaskar Ghose, Managing Director, IndusInd Bank Ltd.10. Shri Amitabha Guha, Managing Director, State Bank of Hyderabad11. Shri P. K. Gupta, Chairman & Managing Director, United Bank of India12. Shri C. Krishnan, Executive Director, Reserve Bank of India13. Shri A. C. Mahajan, Chairman & Managing Director, Allahabad Bank14. Shri Y. H. Malegam, S. B. Billimoria & Co.15. Shri M. D. Mallya, Chairman & Managing Director, Bank of Maharashtra16. Shri T. S. Narayanasami, Chairman & Managing Director, Bank of India17. Shri M. B. N. Rao, Chairman & Managing Director, Canara Bank18. Dr. Asish Saha, Director, National Institute of Bank Management19. Shri C. P. Swarnkar, Chairman & Managing Director, Syndicate Bank20. Dr. Y. S. P. Thorat, Chairman, NABARD21. Shri M. Venugopalan, Chairman & CEO,The Federal Bank Ltd22. Shri R. Bhaskaran, CEO, Indian Institute of Banking & Finance

IndianInstituteofBanking&Finance(Established in 1928)Vision'To be the premier Institute fordeveloping and nurturing competentprofessionals in banking and financefield'.Mission'To develop professionally qualified andcompetent bankers and financeprofessionals primarily through a processof education, training, examination,consultancy/counselling and continuingprofessional development programs'.1

Diploma in Banking and Finance (DBF)The demand for qualified manpower for the banking sector is expected to grow in the comingyears on account of expansion of volume of business and large scale retirement of personnel.Banking and finance industry will require professionally qualified manpower endowed withnecessary knowledge and skills together with technology-familiarity, customer-orientation andhands-on application skills who can be assigned to various desks/jobs with minimal trainingintervention at the bank/financial institution level.In view of the huge current as well as potential demand for professionally qualified manpower forthe banking sector, and to ensure a steady stream of industry-ready professionals at the entrylevel,IIBF has designed a professional qualification in banking and finance - titled Diploma inBanking & Finance (DBF) for graduates in any discipline who aspire for a career in banking andfinanceThe course will give knowledge inputs to the candidates and expose them to the operationalprocesses and modern banking environment so that they can man the counters at the bank fromfirst day of their joining the bank. It is expected that successful candidates of DBF would have acompetitive edge and will be absorbed by banks and DBF would emerge as a preferredprofessional qualification with graduation for employment in the sector.Hosting of the Resume of Successful candidates on IIBF's Website for employment:IIBF will host on its website, brief resume with photograph of all the successful candidates andmake it available to its Member Banks, which include the Reserve Bank of India, State Bank ofIndia, Public Sector Banks, Private Sector Banks, Foreign Banks, Co-operative Banks and ITCompanies providing services to banking industry, for considering them for employment.Salient FeaturesDBF is a distance education programmeDBF will impart banking knowledge and skills together with technology-familiarity, andcustomer-orientationHigh quality academic rigour, and specially prepared coursewareCandidates undertaking the course will have comprehensive and up-to-date knowledge inthe subject of banking and finance. The diploma offers practical insights into the subjectswhile, at the same time, emphasizes robust theoretical foundationThe course will make the candidates job ready.The course is designed by the institute with the assistance of professionals in the bankingsector and therefore is relevant and would be valued by industry.The course is cost effective and at the same time high in quality. At an additional fee,candidates can seek educational support in the form of e-learning/virtual classes/contactclassesThe diploma carries professional recognition among the banking and finance community asit is equivalent to banking industry recognized JAIIB qualification of IIBF.The certification is backed by a system of high professional standards of the Institute.PAPERS :Three papers covering the industry relevant topics, as shown below:Paper 1: Principles & Practices of Banking:covering: (i) Indian Financial System; (ii) Functions of banks; (iii) Banking Technology;(iv) Marketing of banking services/products.2about DBF

Paper 2 : Accounting & Finance for Bankers:covering: (i) Basics of Business Mathematics; (ii) Accounting in banks/branches; (iii)Bank Accounting and Balance Sheet and (iv) Computerized Accounting.Paper 3 : Legal & Regulatory Aspects of Banking:covering: (i) Regulations and Compliance; (ii) Legal Aspects of Banking Operations;(iii) Banking Related Laws; and (iv) Commercial Laws with reference to bankingoperations.Eligibility:A graduate (in any discipline) or above from any University or students appearing for finalyear graduation will be eligible to enroll for the examination. (For the final year graduatestudents, the DBF Certificate will be issued only on successful completion of thegraduation course and production of Graduation Certificate). A candidate will have toclear all the three papers in a single sitting.Periodicity and Dates of ExaminationThe examination will be held online and offline in multiple choice mode normally twice ayear. The dates of the Examination will be notified on the web-site of the Institute athttp://www.iibf.org.in .How to Enrol:Application forms, Registration for Course and Examination, Fees:Stage 1 : Application form for course enrolment and syllabus can be obtained from thewebsite of the Institute as given above or from any of the offices of the Institute or fromManipal Universal Learning Private Limited as per the addresses given in this booklet. Thelast date for submission of forms would be as notified in the application form / website.Stage 2 (Course Enrolment) : Candidates will be required to submit their application forenrolment for the DBF course against a payment of fee of Rs. 3,200/- upon which they will begiven the courseware and application form for the DBF Examination.Stage 3 (Examination registration) : Candidates who are ready to give the examinationshould submit their examination application before the due date mentioned therein againstpayment of Examination Fee of Rs.1,800/-. The Examination Fee is for three subjects forone attempt. Examination will normally be conducted 3 to 4 months after closure ofenrolment for that examination.Mode of Payment and submission of applications:The following options are available for submitting applications and making payments:(i)On-line submission of application (both for the course and examination)against making payment by credit card using payment gateway.For this facility visit: www.iibf.org.in /dbf/default.asp.(ii) Submission of application form to the following address by making cash payment at anyof the branches of the AXIS Bank Ltd. (formerly UTI Bank Ltd.) and attaching thePayment Receipt (IIBF’s copy) to the application.(iii) Submission of application form with Demand Draft for the requisite amount drawn infavour of “Indian Institute of Banking & Finance” payable at Manipal.about DBF3

Application Forms under (ii) and (iii) above should be submitted to:Job PotentialThe Officer-in-ChargeDBF Examination of IIBFManipal Universal Learning Private LimitedSyndicate HouseManipal 576 104, KarnatakaWith Banks, Financial Institutions, NBFCs, Broking Houses, Mutual Funds, BPO /IT Companies.Educational Support:Candidates will be issued courseware / books and are expected to prepare for theexams based on the content of the books. Arrangements are being made to delivertutorials using VSat and virtual classroom technologies. Details of the fees for thesame and dates will be available on the web site as soon it is finalized,Transition:The candidates can have a smooth transition into the banking industry after passingDBF as shown below:1) Join DBF with your graduation or in the final year of graduation2) Pass DBF and join the Banking and Finance Industry13) Join the Institute as its member, get exemption from JAIIB and obtain a JAIIBCertificate.4) Progress to CAIIB – industry recognized professional qualification withmanagement subjects in banking for the practitioners of banking and finance.1Most banks give additional increment or incentive on passing JAIIB4about DBF

about IIBFIndian Institute of Banking & Finance (IIBF) formerly known as The Indian Institute ofBankers (IIB), a professional body of banks and financial institutions in India wasestablished in 1928 at the initiative of a few eminent bankers, businessmen and industrialists inIndia. IIBF has emerged, during its 80 years of service, as a premier institute in banking andfinance education for those employed in the sector in the country aiming for professionalexcellence. The Institute has serviced over 8 lakh members since inception and awarded over 5lakh banking & finance qualifications, viz., JAIIB, CAIIB, Diploma and Certificates inspecialized areas.The Institute is managed by a Governing Council comprising eminent persons drawn from thebanking and finance sector, academicians and professionals.The day to day management of the Institute vests in the hands of the Chief Executive Officer whois supported by a Deputy CEO, Director of Academic Affairs, Director of Examinations andDirector of Administration.The Institute is a 'distance learning' Institute. In order that the candidates who appear for theexaminations get adequate education/knowledge inputs, the Institute prepares courseware andoffers e-learning, virtual classes and contact class support. The portal of the Institute also plays apivotal role in knowledge dissemination.Membership(i)Ordinary MembersMembership is open to the employees of recognised bankingand financial institutions that are operating in India or in anyother country and other institutions providing financialservices or working in the domain in India as may be approvedby the Council from time to time(ii) AssociatesAssociates are elected by the Executive Committee under the provisions of Article 6 of theArticles of Association of the Institute.(iii) FellowsFellows are elected by the Council under the provision of the Article 5 (a) of the Articles ofAssociation of the Institute.(iv) Institutional MembersElection of Institutional Members is governed by the provisions of the Article 8(b) of theArticles of Association.Programmes and CoursesThe process of EducationThe Institute has the mandate to ascertain and meet the educational needs of banking and financeprofessionals. These needs arise on account of changes in regulatory initiatives as well as marketforces. Based on discussions and study of the issues at hand the Institute prepares an approachpaper and syllabus in the required area. The syllabus is considered by the Education and TrainingCommittee. On approval, the Institute approaches professionals to prepare the study material andcourseware. The courseware so prepared is vetted by experts, edited and then published. Based onthis, the Examination Committee designs the rules for the examination.about IIBF5

The educational programmes can be broadly divided into four, namely, flagship programmes,diploma courses, certificate courses and management courses. In addition, the Institute, in itsefforts towards Continuous Professional Development, organises seminars and events for thebenefit of its members. It also encourages and financially supports research and studies in thefield of banking and finance. The Institute is also actively involved in publication of courseware,an e-news letter, a monthly newsletter and a quarterly journal (Bank Quest).Flagship Programmes/ExaminationsThe professional banking qualification of the Institute is offered to the employees of banking &finance industry at two levels.JAIIB is the first level of the Institute's flagship professional course. The banking industry hasrecognised this and offers increments to the qualified. The objective of the JAIIB exam is toensure working knowledge in banking and financial systems in order to enable a bank employeeto carry out the day-to-day banking operations.The CAIIB examination is the level two of the professional examination conducted with theobjective of providing advanced knowledge in various areas of banking. The emphasis is onspecialized areas of banking and the examination tests a candidate's knowledge in the specializedareas.Diploma CoursesDepending on the needs of the banking and finance professions, the Institute, from time to time,develops and offers subject specific diploma courses. These diplomas are developed such that thecandidates get relevant and up-to-date knowledge in the chosen areas. This helps their employers(banks, financial institutions) to ensure common level of knowledge and top it up with training.The Institute prepares specific courseware for each diploma. Usually each diploma is of threepapers.(i)Diploma in International Banking and Finance (3 papers)ObjectiveWith the increasing integration of India with the rest of the world there is a need for bankersto be familiar with the principles of international banking and finance to finance trade as wellas engage in cross border financial transactions. The objective of this course is to make abanker well-versed with norms/principles and regulations guiding international banking andfinance.(ii) Diploma in Banking Technology (3 papers)ObjectiveThe objective of the course is to provide knowledge to bankers as well as those desirous ofjoining the banking industry on matters relating to use and implementation of technology inbanks.(iii) Diploma in Treasury, Investment and Risk Management (offered in collaboration withFIMMDA) (3 papers)ObjectiveThe objective of the exam is to help candidates understand the operations of the marketsnamely money market, capital market and foreign exchange market. This will help acandidate understand the role of the treasury department of the banks and how funds aremanaged in the treasury. It also aims to equip a candidate with the skills of asset liabilitymanagement in the context of risk, control and hedging operations. 150 hours e-coachthrough KESDEE.6 about IIBF

(iv) Post Graduate Diploma in Financial Advising (6 papers)ObjectiveTo create a cadre of financial advisors who are well versed in the various financialproducts available in the market and are able to guide those who seek financialcounselling. The Institute has an MOU with FPSB for leading PGDFA qualified personsto CFP qualification.Certificate CoursesThe certificate courses are introduced in new areas as they develop in the field of banking andfinance. The courseware provides in-depth knowledge on one subject. The aim is to providecommon- but with full details- denominator education to employees. This equips them withthe fundamentals of the concerned area. Over and above this, they need to equip themselveswith specific product knowledge of their bank/institution. The certificate courses are onepaper examinations. The courses are:(i)Certified Information System Banker (CeISB)(ii) Certificate Examination in Trade Finance (CTF)(iii) Certificate Examination in Anti-Money Laundering and Know Your Customer(AML/KYC)(iv) Certificate course for DSA/DMA (Basics of Banking and Credit Cards)Banking oriented paper in Hindi (India's national language)ObjectiveThe paper is meant for bankers who wish to hone their abilities to carry out their bankingactivities in Hindi.Certificate course in Banking for BPO and IT companiesObjectiveThe objective of the course is to familiarise employees in Business Process Outsourcing(BPO) units as well as employees in IT companies with the basics of banking. Thiscourse is targeted at those employees who are working with the Banking and FinancialServices Industry (BFSI) verticals in these industries.Other Courses/ProgrammesCourses to be launched (2007) shortly are:Certificate Examination in Quantitative Methods for Banking & Finance professionalsAdvanced Diploma in Urban Co-operative BankingDiploma Course/Examination in Commodity Derivates for Banking & FinanceprofessionalsDiploma Course/Examination for Micro Finance Professionals in collaboration withSa-DhanCertified Home Loan Advisor Examination.about IIBF7

Management ProgrammesBesides the above courses the Institute offers Executive Development Programmes and PostGraduate Diplomas in Management to specialists. These courses are offered in collaborationwith management institutes(i)Advanced Management Programmes in collaboration with leading managementinstitutes - SIESCOM (Nerul), Welingkar Institute of Management Development &Research (Mumbai), International Management Institute (New Dehli) and others.ObjectiveThis management programme/course has been designed to empower the middlemanagement with skill-sets necessary for handling modern banking challenges in theemerging competitive global market place. The course is divided into four modulesspread through the 11 month course.(ii) IIBF-IFMR - Course in Project FinanceObjectiveThe course is aimed at equipping bankers with advanced skills in the field of projectappraisal, financing, etc. The programme intends to provide practical knowledge inproject appraisal and lending, to help the candidate in developing competence andoverall expertise in project finance.(iii) Advanced Diploma in Banking Technology in collaboration with PNBIITObjectiveTo facilitate industry ready IT graduates by teaching them banking and bankingtechnologyTo facilitate attainment of competence as techno - bankersSeminars and EventsEvery year the Institute has been holding seminars across the country, on topics ofcontemporary interest to banking & finance professionals. The Institute also tries to bringinternational perspectives by organising international seminars in India throughcollaboration with international agencies/institutions.The Institute also organises an annual event known as Bank Education Conference meantexclusively for senior executives in the Human Resources Department of banks. The BankEducation Conference usually attracts the best of talent both in terms of speakers as well asparticipants.The other annual event of the Institute is the Sir Purshotamdas Thakurdas Memorial Lecture.The lecture is usually delivered by a person of eminence. The Institute will also host a lecturein memory of the late Mr. R K Talwar, former Chairman of State Bank of India.8 about IIBF

Journals and MagazinesOne of the ways in which the Institute keep updating itsmembers on various issues that concern the banking andfinance development is through its magazines. There are tworegular publications of the Institute. One is IIB Vision, amonthly newsletter which covers the major happenings in thebanking and finance sector in the month. It also covers themovements in the major markets viz., currency, moneymarkets and provides a monthly round up of the market.The other regular publication is Bank Quest, a quarterlyjournal which carries detailed articles on various topics andissues. Bank Quest is a thematic journal, providing andfocussing on one issue every quarter.In addition, the Institute also brings out a daily e-news digestfin@quest on its portal. Fin@quest is also mailed tosubscribers to their e-mail accounts daily.Publications/BooksThe Institute publishes courseware for itsvarious examinations. The Institute alsopublishes books on topics of contemporaryinterest and books of general interest forBanking and Finance in its Brand “Knowyour Banking”. In the last few years theInstitute has published books in most areasof banking and finance. The details are asfollowsabout IIBF9

Publications1. Principles of Banking, 20052. Accounting & Finance for Bankers, 20053. Legal Aspects of Banking Operations, 20054. Risk Management, 20055. Financial Management, 20056. General Bank Management, 20057. Business Economics, 19998. An Introduction to Computers and Their Applications to Banking, 20009. Practice and Law of Banking, 200010. Perspectives on Finance, Reforms and Innovation (Lectures in memory of Sir PushotamdasThakurdas, 1993- 2002)11. Anti-Money Laundering & Know Your Customer (Know Your Banking – III), 200612. International Banking Operations,200713. International Banking : Legal & Regulatory Aspects, 200714. International Corporate Finance, 200715. Laws of Co-operative Banking, 200716. Co-operative Banking Operations,200717. Technology, Risk Management &Supervision in Co-operative Banks, 200718. Information Technology, Data Communications & Electronic Banking, 2nd edn., 200719. Design, Development & Implementation of Information System, 2nd edn., 200720. Security in Electronic Banking, 2nd edn., 200721. Banking Products & Services, 2nd edn., 200722. Insurance Products (Including Pension Products), 2nd edn.,200723. Mutual Funds (Products & Services), 2nd edn., 200724. Securities Market and Products, 2nd edn., 2007Continued...10 about IIBF

Books at Sr. Nos. 1 to 20 have been published by M/s Macmillan(India) Limited and are available for sale at Macmillan's Outlets.Books at Sr. Nos. 21 to 43 have been published by M/s TaxmannPublications Private Limited and are available for sale at Taxmann'sOutlets.Book No. 44 was published by M/s Northern Book Centre and isavailable for sale at Northern Book Centre, 4221/1, Ansari Road,Daryaganj, New Delhi - 110 00225. Managing and Marketing Financial Services, 2nd edn., 200726. Introduction to Financial Planning, 2nd edn.,200727. Bank Financial Management, 200428. Information System for Banks, 200529. Practitioners' Book on Trade Finance,200530. Basics of Banking (Know Your Banking - I), 200531. Credit Cards (Know Your Banking – II), 200532. JAIIB-Work Book, 2006Paper 1 : Principles of BankingPaper 2 : Accounting & Finance for BankersPaper 3 : Legal Aspects of Banking33. CAIIB-Work Book, 2006Paper 1 :Risk ManagementPaper 2 : Financial ManagementPaper 3 : General Bank Management34. Theory and Practice of Treasury & Risk Management in Banks, 200635. Readings on Financial Inclusion, 200636. Home Loans (Know Your Banking - IV), 200737. Banking Ke Siddhant, 200538. Bankaron Ke Liye Lekhankan Evam Vitt, 200539. Banking Ke Vidhik Paksh, 200540. Jokhim Prabandhan, 200541. Vittiya Prabandhan, 200542. Bank : Samanya Prabandhan, 200543. Banking Ek Parichay, 200744. Management of Non-Performing Advances, 2005about IIBF11

Portal and e-learningThe Institute's portal contains all information about the Institute including rules formembership, timetable, schedule of examinations, results of various examinations, latestissues of IIB Vision and Bank Quest, Financial Quotient, monthly columns written byexperts on various topics. It allows download of admit cards and time table of theexamination. It contains a page of financial education. Any updates about the Institute is alsoinstantaneously made available on the website www.iibf.org.inTraining and ConsultancyThe Institute conducts trainingprogrammes in certain specialised areasand also undertakes selected consultancy.ResearchThe Institute supports research amongbankers and academicians inclinedtowards banking and finance. Each yearfour researchers are selected to conductresearch on behalf of the Institute. TheInstitute encourages research aptitudeamong bankers by awarding prizes forresearched articles on Banking & Finance.12about IIBF

Contact Us:The application forms / syllabi forvarious membership / examinationsand for all other details log on towww.iibf.org.in or write to theaddresses overleaf.

Corporate OfficeMr. J. K. DeshpandeDeputy Director (DBF)Indian Institute of Banking & FinanceWorld Trade Centre, Cuffe ParadeMumbai 400 005Tel No : 022 22155089/22187003/04/05Fax : 022 22185147/22155093E-mail : dbf@iibf.org.inWestern Zonal OfficeDr. Rekha Rani SinghDeputy DirectorIndian Institute of Banking & Finance191 Maker Towers, Cuffe ParadeMumbai 400 005Tel No : 022 22185357/22183302Fax : 022 22180845E-mail : iibwz@iibf.org.inEastern Zonal OfficeMr. Chandan GhoshDeputy DirectorIndian Institute of Banking & FinanceAnand Lok, 3rd Floor, 227 A J C Bose RoadKolkata 700 020Tel No : 033 22809681/82/83Fax : 033 22809680E-mail : iibez@iibf.org.inNorthern Zonal OfficeMr. Pran VermaZonal headIndian Institute of Banking & Finance11 A Atmaram house, 1 Tolstoy MargNew Delhi 110 001Tel No : 011 23354921/23354316/23312219Fax : 011 23351165E-mail : iibnz@iibf.org.inSouthern Zonal OfficeMr. Francis XavierDeputy DirectorIndian Institute of Banking & Finance76 Arya Gowda Road, West MambalamChennai 600 033Tel No : 044 23711429/24746961Fax : 044 24746966E-mail : iibsz@iibf.org.inUCHITHA : 24978289 www.uchitha.com