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Indian Institute Of Banking and Finance

The Indian Institute of Banking and Finance offers professional courses and examinations for bankers, covering various specialized areas like project finance, home loans, credit cards, and more. With a focus on continuous professional development, the institute collaborates with various institutions and conducts exams in both descriptive and objective patterns. The institute also emphasizes the importance of specialized skill sets in areas such as risk management, retail banking, financial advising, and more. Future trends in banking, including technology advancements and HR issues, are also discussed.

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Indian Institute Of Banking and Finance

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  1. Indian Institute Of Banking and Finance R.Bhaskaran

  2. The Institute • Started in 1928 • Conduct courses and examinations towards professionalizing of bankers. • All banks are Institutional members ( 890) • FI’s, BSE, BPO Companies are members • Qualified officers in excess 2 Lakh

  3. Commodity Derivatives Courses Certificates now & New Money Market Derivatives KYC Project Finance Home Loans Shape of things to come Credit Cards Specialist Diplomas Governance For Cooperatives Vehicle Loans BPO Treasury & Risk Management Consumer Loans JAIIB CAIIB Associate Fellow DMA/DSA Flagship Financial Advising Cooperatives International Banking Testing Bankers Trade Finance Banking Technology

  4. Seminars Across the country on latest topics Research- Macro- Micro 2 Journals + an E -Journal Portal Ask the expert. Column Financial Quotient Member info

  5. Exams are conducted in descriptive and objective pattern. Online getting popular. Getting fully IT Enabled

  6. Continuous Professional Development • Periodical qualifications a must. Essential for risk management- customer service- new areas-better compliance standards. • Gives comfort to customers about bankers capabilities • Professional qualifications namely 1)Associate, Fellow of Institute of Bankers on post CAIIB qualification, experience, CPD being developed

  7. We work together with • IGNOU • IFMR • IDRBT • Commercial Bank of Ceylon • Asian Banker –Singapore • FIMMDA • FEDAI • IBPS

  8. Modern Banking

  9. Deposits Advances SSI Large Scale Industry Small Loans Over due Account Profit Branch Segment Liabilities Assets SME Corporate Advances Retail Loans Stressed Assets Gross Spread Brick & Mortar Bank Vertical Changing Face of Banking Then NOW

  10. Which came first? change or • Technology- core banking solutions ? • Risk- An opportunity- An Issue? • Outsourcing- New ways of doing banking • Universal banking- Many products under a single roof • Variety of Delivery Channels- ATM, E-Banking, Tele-banking- Mobile banking- Cards.

  11. What has almost gone out • Typists and stenographers- if not already in a few years time- Executive typing skill will be a driver. (email, log in to be managed) • Note counting and management • Balancing skills- jotting etc • Travellers Cheques • Customer is more a banks customer than a branch’s

  12. A list of new banking products • Flexi deposits • Cards- Credit, Debit, Charge, Co-branded-International-KCC • Retail Loans • ATM • Financial Inclusion • No frill Account • All branch cheque Accounts • RTGS, Dmat, DTR,CDR.

  13. Skill sets needed Each a Specialist area • Risk Management • Retail Banking • Wholesale/ Corporate Banking • Treasury management • Financial Advising • Outsourcing- unit management • ALM • Foreign Exchange Management • Delivery Channel management • Centralized back end- documentation- sign off • Credit appraisal

  14. More skill sets • Credit Card Business • SME • Agriculture • Trade Finance • Commercial Loans • Commodity Markets • Derivative Markets • Deposits • Marketing of bank products • Public relations • Governance These are more focussed areas

  15. Over all Management • Product lines- Assets and Liabilities. • Delivery Channels • Balance sheet- stake holder • Policy • Governance

  16. Indications for H.R • Definite signs of specialization- at higher levels higher specialization is warranted- Constraint = promotion/placement policy • Specific skills – at all levels-are not only warranted but need to be sustained. Constraint=High level of compensation. • Employees expect bank funding for education. • High level of migration. Salary expectations are high but loyalties are low- How to retain talents • Market is segmented- Some sectors able to attract talent • Operational risk is HR area

  17. H.R Issues • Can Subject specialization be retained/ managed by offering compensation in lieu of top posts?? Some segments practice this. • For every one top management post need to groom many officers?? • Future needs to be mapped • Competency to be mapped • Knowledge Management comes to focus- education and training to be used in a proper mix. • Both internally and externally test the knowledge levels frequently. • Lateral movement needs fresh knowledge levels

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