The Institute

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

Courses
Commodity Derivatives

Certificates now
& New

Money Market Derivatives

KYC

Project Finance

Home Loans
Credit Cards

Governance For
Cooperatives

Vehicle Loans

BPO

Treasury & Risk

Management

Consumer Loans

DMA/DSA

Financial
Advising

Cooperatives

Testing
Bankers

International Banking

Trade
Finance

Banking
Technology

JAIIB Flagship
CAIIB
Associate
Fellow

ResearchMacroMicro

2 Journals
+ an
E -Journal

Seminars
Across
the country
on
latest topics

Portal
Ask the expert.
Column
Financial Quotient
Member info

Continuous Professional
Development
Periodical qualifications a must.
Essential for risk managementcustomer service- new areasbetter 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

We work together with

IGNOU
IFMR
IDRBT
Commercial Bank of Ceylon
Asian Banker Singapore
FIMMDA
FEDAI
IBPS

Changing Face of Banking

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

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 ChannelsATM, E-Banking, Tele-bankingMobile banking- Cards.

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 branchs

A list of new banking

products

Flexi deposits
Cards- Credit, Debit, Charge, Cobranded-International-KCC
Retail Loans
ATM
Financial Inclusion
No frill Account
All branch cheque Accounts
RTGS, Dmat, DTR,CDR.

Skill sets needed

Risk Management
Retail Banking
Wholesale/ Corporate Banking
Treasury management
Financial Advising
Outsourcing- unit management
ALM
Foreign Exchange Management
Delivery Channel management
Centralized back end- documentationsign off
Credit appraisal

More skill sets

Credit Card Business

SME
Agriculture
Trade Finance
Commercial Loans
Commodity Markets
Derivative Markets
Deposits
Marketing of bank products
Public relations
Governance

Over all Management

Product lines- Assets and
Liabilities.
Delivery Channels
Balance sheet- stake holder
Policy
Governance

Indications for H.R

Definite signs of specialization- at higher

levels higher specialization is warrantedConstraint = 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

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 focuseducation and training to be used in a proper
mix.
Both internally and externally test the
knowledge levels frequently.
Lateral movement needs fresh knowledge
levels