About the Institute
Online
National Institute of Bank Management (NIBM) was
established in 1969 by the Reserve Bank of India, as an
Certificate Courses in
autonomous apex institution for research, training and
consultancy on banking and finance. The mandate of the Credit Management
Institute is to provide new directions to the banking Treasury Management
industry and help it become globally competitive. It is an
autonomous academic institution. The institute is guided by Risk Management
a Governing Board and eminent bankers and academicians. Accounts and Audit
The Governor, Reserve Bank of India is the Chairman of the
NIBM Governing Board. Retail Credit Management
NIBM has three main verticals: (i) Training, (ii) Education,
Credit Management for
and (iii) Research & Consultancy. The Institute conducts Small Finance Banks
more than 200 management and skill development
Banking Operations and
programmes every year for bank executives both from India
and other developing countries. The Institute offers a Management for Payment Banks
unique Post Graduate Diploma in Management (Banking
and Financial Services) course for developing young talent
to assume leadership position in the banking industry.
National Institute of
Bank Management
Pune, India
Background Credit Management, Retail Credit Management
The Reserve Bank of India had in July 2014 constituted a ‘Committee on and Credit Management for Small Finance Banks
Capacity Building in banks and non-banks’ to arrive at a road map for
implementing some of the non-legislative recommendations of the Financial Credit is a core activity of commercial banks and lending institutions. Banks
Sector Legislative Reforms Commission (FSLRC). The Committee has inter alia deploy a substantial volume of their funds in credit. They provide variety of
recommended that banks should identify specialised areas for certification of the credit products to different customer segments through network of branches and
staff manning key responsibilities. To begin with, the banks should make other delivery methods. The credit process involves origination of credit
acquiring of a certificate course mandatory for the following areas: proposals, appraisal, documentation, delivery, collection and portfolio
m Credit Management management. Quality of credit portfolio, among other things is a function of
appraisal and delivery efficiency of the concerned staff. Management of credit is
m Treasury Management
highly knowledge and skill intensive. A bank's success and profitability depends
m Risk Management on the skills and insights of the credit personnel.
m Accounting and Audit
Banks extend credit across the country through its credit personnel functioning
Following this Indian Banks Association (IBA) has identified certain institutions in branches and various offices. These officials have to cope with changing
for providing certification courses for first and second line officers in the above technology, regulatory and business landscape. Sustaining credit quality also
four areas.
needs additional efforts. All this calls for developing and enhancing the skills of
NIBM is one of the institutes identified for delivering these courses. The Institute officers and managers in credit management. This course aims at enhancing skills
has, therefore, designed all the four courses to impart knowledge, skill and to analyse credit proposals as well as manage borrowal accounts across the credit
aptitude and thereby enhance competencies of officers and managers in cycle for different customer segments such as retail, agriculture, MSMEs,
performing their jobs. Besides, courses on Retail Credit Management and Credit
corporates and projects as also manage credit risk
Management for Small Finance Banks has been introduced. Further, a course on
Banking Operations and Management for Payment Banks has been offered. Module I: Basics of Credit and Credit Process
Broadly, these are structured into 3 – 4 modules: Module II: Credit Segments, Products and Operations
In the first module, the basic or fundamentals in the given subject are covered;
q Module III: Credit Management
In the second module, operational aspects of each of the four areas especially
q
the rules, regulations, processes, procedures and techniques related to the job Treasury Management
role; Treasury is a major source of income for banks. Functioning of the treasury is
q In the subsequent modules, perspectives, regulatory guidelines and critical impacted by market movements, regulatory guidelines and efficiency in dealing
aspects/problems and issues of business and management aspects in respect of and trading in the market. On account of globalization and increased market
the functions are addressed. complexities, treasury function in banks and financial institutions face new
challenges. Treasury officials have to deal with volatility in financial markets,
Candidates to the courses will have on-line access to reading material, power tepid response to policy measures, and liquidity crunch. It is necessary that the
point presentations, video lectures, case studies, etc. For this purpose NIBM will executives in the treasury should be equipped with knowledge, tools and skills to
use a modern technology platform which will enable candidates to read the manage risks inherent in a treasury operations as well as to make use of emerging
lessons, take quizzes and tests as also make queries and seek clarification online. market opportunities.
The course is designed to provide inputs to build the skill set for managing
treasury operations. It provides an overview of financial markets (equity, bond,
Accounts and Audit Management
and foreign exchange) focusing on the market infrastructure as well as recent Accounting function of banks is almost fully automated. Banks are able to
developments in each segment. It also covers practical inputs on operations in finalise their results much faster than in the past. Audit function ensures quality
each market, with analysis of overall treasury functions. of accounting as also efficiency of banks in product delivery. Efficient audit
contributes to effective control over operational risk. On account of adoption of
Module I: Financial Markets core banking the job role of both audit and account functions are changing.
Module II: Security Analysis and Portfolio Management There are increased amounts of regulatory and other compliances which impact
Module III: Financial Derivatives these functions. As such bank officials performing these functions should be well
trained and able to implement regulatory requirement such as Basel
Module IV: Treasury Set-Up and Operations
requirements, Ind AS, etc. They are also required to understand the intricacies of
risk based internal audit, risk based supervision, etc.
Risk Management This course provides a comprehensive understanding of accounting and auditing
Banks, in their day to day business assume various types of risks. Increasing function of the banks from banks operational perspective and the regulatory and
control point of view more particularly in technology environment. It covers
globalization, innovation, competition and greater adoption of technology
both basic as well as specialized aspects of these functions. It aims to educate and
managing banking business has become more complex. When risks are managed
build capacity with the officials to move beyond mere compliance to efficiently
efficiently potential losses from these risks are minimum. However, only some manage these functions and at the same time contain and reduce operational risk
risks are explicit while most others are hidden with the possibility of potential exposures for the bank.
losses. Banks have to manage risks proactively. Regulator also insist that banks
Module I: Accounts and Audit Functions in Banks
should measure all possible risks, their correlations in normal conditions and Module II: Banking Products and Operations
shifts during stress times. Besides banks must also strike a balance between return Module III: Management of Accounts and Audit Functions
and risk. They must not only identify, measure and manage risks, but also weave
these into their business strategies. Banking Operations and Management for
This course is designed to provide conceptual foundations in risk management. It Payment Banks
will help understand the fundamentals of Credit, Market and Operational risks, The course is intended for officers and managers of payments banks, who have
which are illustrated with practical illustrations. Both the standardized and technological expertise but require basic knowledge and awareness of banking
advanced approaches under the Basel Accords are discussed. The course covers processes and operations. Accordingly, it is designed to cover banking operations
estimation of losses using regulatory formulas and internal models. How banks through a series of three modules that include the banking products and services,
should assess, compare and implement regulatory and economic capital models digital banking and management of risk and compliance. The course will provide
to improve product pricing, limit setting and capital planning and how bank view of banking systems and procedures, essential regulatory and compliance
should manage risk are also covered in the course. requirements, business model structure of digital banking, and management of
operational risk.
Module I: Basic Understanding of Banking Risk
Module I: Banking Products and Processes
Module II: Key Risks and their Measurement
Module II: Digital Banking
Module III: Management of Risk in Bank Portfolio Module III: Risk and Compliance Management
Rules and Regulations Methodology
Admission to be made for any single course at any given time.
q
The study for the course will be as follows
q
Admission will be based on proof of working in a bank or financial
institution. i. On being registered for the course NIBM will issue an ID and password
Course duration: To be completed within 6 months
q for log in to the on-line study platform
Course structure: In 3-4 modules
q ii. Candidate will start with the first module of the course and upon
Class room sessions: Pre recorded video sessions
q completion of the same move on to the second, third module and so on.
Evaluation
q
iii. Completion of the module will be measured in terms of study of the
a. Quizzes and tests
material, taking quiz and quick tests, and passing the end module MCQ
i. One quiz per chapter/few chapters for practice
test.
b. Module end Tests
i. One test per module (MCQ) – 60 marks iv. At the end there will be one final examination on all the modules covered
c. Case Study Based Test (MCQ) – 40 marks in the course.
d. Final/Comprehensive Exams
i. Final Exams (MCQ) – 100 marks
ii. Proctored on-line in select centres, to be held at the completion of Fee Structure Online Course with Pre-recorded Video Sessions
the course Fees Fees+GST
Re-enrollment
q
Enrollment Fee 6500 7670
Candidates who do not clear the course after taking their three chances in
final exams or module or assignment based tests or those who have (to be paid at the time of enrollment)
exceeded the given six months period for completing the course, will be Re-enrollment Fee 3500 4130
given only one opportunity for re-enrollment. Such candidate can
restart the course just after the stage of last evaluation passed and finish
within a period of six months. The mark sheet shall duly reflect the re- Mode of Payment
enrollment made.
The online payment to be processed at the time of registration
* Detailed rules and regulations will be made available upon enrollment.
(https://nibm.eabyas.in)
Qualifying Norms
For being awarded the certificate a candidate will have to:
q How to Apply
a. Complete the mandated study and practice quizzes.
Online Application is available on the link https://nibm.eabyas.in
q
b. Take the module end tests, case study based test and final online exam.
q
Score an aggregate of 50% marks in the course but not less than 45% marks Scanned copy of Proof of employment to be attached
q
in each of the module end tests, case study based test and in the final exam.
There will be no grace marks in the evaluation.
