An Overview

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)
• FIs, BSE, BPO Companies are members
• Qualified officers in excess 2 Lakh

3
Courses
Certificates now New
Money Market Derivatives
KYC
Project Finance
Home Loans
Credit Cards
Shape of things to come
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. Gettin
g 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
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

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 branchs

12
A list of new banking products

• Flexi deposits
• Cards- Credit, Debit, Charge, Co-branded-Internati
  onal-KCC
• Retail Loans
• ATM
• Financial Inclusion
• No frill Account
• All branch cheque Accounts
• RTGS, Dmat, DTR,CDR.

13
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- documentation- sign off
• Credit appraisal

Each a Specialist area
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.
  ConstraintHigh 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