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Retail Banking and Wealth Management” – DBF exam

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About Course

The “Retail Banking and Wealth Management” Subject for JAIIB and DBF exams covers core concepts in banking operations, customer service, financial products, and asset management.

What Will You Learn?

  • Pathway to JAIIB
  • Easier to Crack Banking Exams (e.g., RBI Grade B, SEBI, etc.)
  • Improves Success Rate in Bank Exam Interviews
  • Enhances Understanding of Financial Products and Services
  • Builds Confidence in Banking Knowledge and Terminology
  • Industry Recognition
  • Foundation in Banking
  • Career Advancement
  • Skill Development

Course Content

Module A: Retail Banking
Module A: Retail Banking in the "Retail Banking and Wealth Management" course for JAIIB and DBF exams includes the following topics: Retail Banking: Introduction Retail Banking: Role within the Bank Operations Applicability of Retail Banking Concepts Distinction between Retail and Corporate/Wholesale Banking Branch Profitability These topics provide a comprehensive understanding of retail banking, essential for professionals aiming to excel in the banking industry.

Chapter- 1 | Retail Banking: Introduction
Chapter- 1 | Retail Banking: Introduction in the "Retail Banking and Wealth Management" course for JAIIB and DBF exams includes the following topics: Retail Banking: Introduction Characteristics of Retail Banking Advantages of Retail Banking Constraints in Retail Banking Evolution of Retail Banking Prerequisite for Success of Retail Banking Challenges for Retail Banking Future of Retail Banking

Chapter -2 | Retail Banking: Role within the Bank Operations – Business Models
Retail Banking: Role within the Bank Operations Business Models

Chapter -3 | Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking
Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/Wholesale Banking

Chapter – 4 | Branch Profitability
Branch Profitability Banking System: An Introduction Banking in India What is Profitability? What is Profit? Gross Profit, Operating Profit and Net Profit Profit and Profitability in the context of Banking Traditional Measures of Profitability The ROA (Return on Asset) Return on Equity (ROE) for Banks Branch Operating Efficiency Strategies for Improving Efficiencies of Banking Operations Factors Affecting Profitability of Banks in India Profitability Analysis of Bank Branches Steps to Improve Branch Profitability Essential Factors to Make Continuous Improvement in Profitability

Module B: Retail Products and Recovery
Module B: Retail Products and Recovery Customer Requirements Product Development Process Credit Scoring Retail Liability Products Retail Asset Products Credit and Debit Cards Remittance Products Digitization of Retail Banking Products Role of AI and Technology in Retail Banking Recovery of Retail Loans Management Information Systems Securitization

Module D: Wealth Management
Module D: Wealth Management Introduction to Financial Planning Managing Investment Risk Investment Products Tax Planning Succession Planning Wealth Management Marketing and Selling of Wealth Management Services

Chapter – 5 |Customer Requirements
Customer Requirements Maslow’s Theory and Customer Requirements Customer Requirements about Service Quality Service Quality

Chapter-6 | Product Development Process
Product Development Process Product Development Process Product Life Cycle Product Lines of a Banker Deposit Products or Liability Products Credit Products or Asset Products Other Products and Services Other Fee Based Services – Distribution of third party products New Product Development Stages in New Product Development Constraints in New Product Development Product Management Product Policy

Chapter – 7 | Credit Scoring
What is a Credit Score? Evolution of Credit Scoring What’s a Good Credit Score? Credit Scoring Model Managing the Credit Score Positive Side of Credit Score Warning Signs in Credit Score Credit Information Companies in India Issues in Credit Scoring Mistakes in Credit Scoring Troubleshooting Credit Score

Chapter – 8 | Important Retail Liability Products
Important Retail Liability Products Demand Deposits: An Introduction Current Deposit: An Introduction Main features of Current Deposit Account Advantage of Current Deposit Account Documents required for opening various types of Current Accounts Opening of Current Account Operational Instructions in Current Account Transfer of Accounts Inoperative Accounts Closure of Current Account Savings Bank Account: An Introduction Advantages and Importance of Savings Bank Deposits to Customers Who Can Open a Savings Bank Account? Deregulation of interest in Savings Deposit Account Maintenance of Balance in Savings Bank Account and Interest Payment Restrictions on Transactions in SB Account Services offered in Savings Bank Accounts Time Deposit – An Introduction Periodicity of Time Deposit Operational instructions Interest on Fixed Deposit Term Deposit accounts of minors Premature Payment of FD Operational Issues of FD Advances Against Bank’s own Time Deposit Receipts Renewal of FD Recent Rule of RBI on overdue FD Form 15 G/ 15 H Deposit of TDS to Income Tax Department by Banks 2 in 1 Account Recurring Deposit (RD)

Chapter -9 | Important Retail Asset Products
Important Retail Asset Products Home Loans Housing Loan under Prime Minister’s Awas Yojana (PMAY) Home Improvement Loans Home Decor Loans Auto/Vehicle Loans Personal Loans Educational Loans Other Retail Loans Processing of Retail Loans Credit and Debit Cards Credit Cards Charge Cards Pre-paid Cards Debit Cards Co-branded Cards Contactless Cards

Chapter -10 | Credit and Debit Cards
Credit and Debit Cards Credit Cards Charge Cards Pre-paid Cards Debit Cards Co-branded Cards Contactless Cards

Chapter – 11 | Remittance Products
Remittance Products Electronic Payment Systems National Electronic Funds Transfer (NEFT) Real Time Gross Settlement (RTGS) Electronic Clearing Services (ECS) National Automated Clearing House (NACH) System Aadhaar enabled Payment System (AePS) Bharat Bill Payment System (BBPS) Benchmarking India’s Payment System

Chapter – 12 | Digitisation of Retail Banking Products
Digitisation of Retail Banking Products Technology in Retail Banking Technology Processes in Retail Banking Some Important User Friendly Features Customer Analytics Institute for Development and Research on Banking Technologies (IDRBT) Indian Financial Network (INFINET) Structured Financial Messaging System (SFMS) National Financial Switch (NFS) Indian Banking Community Cloud (IBCC) Wealth Management Solutions Digital Lending

Chapter -13 | Role of AI and Technology in Retail Banking
Role of AI and Technology in Retail Banking Dimensions of Banking Technology Banking Today Relationship between Banking and Technology Evolution of Banking Technology A New Era in Banking Evolution of Banking Technology in India Challenges towards adoption of Technology by Indian Banks Technology in Retail Banking Artificial Intelligence (AI) Difference between Artificial Intelligence (AI) and Automation Evolution of Artificial Intelligence Artificial Intelligence Industry in India Artificial Intelligence in Indian Banking Industry Indian Banks and the Technology Why AI in Banking Industry? Benefits of Artificial Intelligence Technology in Banking and Finance Artificial Intelligence in Retail Banking Artificial Intelligence in Retail Banking in India The Challenges Facing India’s AI Development Benefits of AI in Retail Banking

Chapter -14 | Recovery of Retail Loans
Repayment in Retail Loans Default and Re-scheduling in Retail Loans Monitoring of Loan Accounts Classification of Irregular Loan Accounts Recovery Policy of Banks Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) Debt Recovery Tribunal (DRT) Recovery through Lok Adalat Engaging Direct Recovery Agents

Chapter – 15 |Management Information Systems
Management Information Systems The main elements of MIS Role of Management Information Systems Role of MIS in Improving decision making Role of MIS in Banking Industry Designing MIS for a Bank Issues Related to Management Information System (MIS) Suggestions for Solution to MIS related Issues

Chapter- 16| Securitization
Securitization of Assets

Module C: Support Services – Marketing of Banking Services/Products
Module C: Support Services – Marketing of Banking Services/Products Marketing – An Introduction Delivery Channels in Retail Banking Delivery Models

Chapter – 17 | Marketing: An Introduction
Marketing: An Introduction Marketing in Retail Banking Marketing Mix in Retail Banking

Chapter -18 | Delivery Channels in Retail Banking
Delivery Channels in Retail Banking Channel Experience Physical/Direct Channels – Branch Automated Teller Machines Point of Sale Terminal Mobile Banking Internet Banking Customer’s Liability on Unauthorized Electronic Transactions

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