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
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Chapter -2 | Retail Banking: Role within the Bank Operations – Business Models
Retail Banking: Role within the Bank Operations
Business Models
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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
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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
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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
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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
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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
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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)
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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
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Chapter -10 | Credit and Debit Cards
Credit and Debit Cards
Credit Cards
Charge Cards
Pre-paid Cards
Debit Cards
Co-branded Cards
Contactless Cards
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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
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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
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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
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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
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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
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Chapter- 16| Securitization
Securitization of Assets
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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
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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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