[PDF] Retail Banking & Wealth Management by IIBF

Unlock the key to your JAIIB exam success with the comprehensive guide, “Retail Banking & Wealth Management [2023 Edition],” authored by IIBF and published by Macmillan. This meticulously crafted PDF equips you with in-depth knowledge of crucial retail banking concepts and wealth management strategies tailored for aspiring bankers.

Whether you’re brushing up on principles or diving deep into new insights, this indispensable resource is designed to support your academic and professional journey.

Prepare to excel in your JAIIB exams with the authoritative expertise that only IIBF and Macmillan can provide. Get ready to elevate your banking acumen to new heights!

The book titled “Retail Banking and Wealth Management” serves as a comprehensive guide to the diverse products and services provided by banks. Nowadays, bank branches have evolved into comprehensive financial centers that address a wide range of customer financial needs, including deposits, loans, and investment options.

Furthermore, technological advancements have significantly transformed banking operations and altered customer preferences and expectations.

Book Details:-

Book Name:	Retail Banking & Wealth Management by IIBF
Author/Publisher:	Macmillan
Language:	English
Edition:	2023 (1st Edition)
No of Pages:	649 Pages
File Type:	PDF (Downloadable)
PDF Size:	4.95 MB

MODULE A: RETAIL BANKING

• 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
• Retail Banking: Role within the Bank Operations
  Business Models
• Applicability of Retail Banking Concepts and Distinction between Retail and Corporate/ Wholesale Banking
  Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/Wholesale Banking
• 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

• Customer Requirements
  Maslow’s Theory and Customer Requirements; Customer Requirements about Service Quality; Service Quality
• 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
• 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
• 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)
• 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
• 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
• 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

MODULE C: SUPPORT SERVICES – MARKETING OF BANKING SERVICES/ PRODUCTS

• Marketing: An Introduction
  Marketing in Retail Banking; Marketing Mix 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
• Delivery Models
  Delivery Models; Internal Customers – Staff at the Branch Level; Dedicated Marketing Managers; Direct Selling Agents (DSAs); Tie-up with Institutions/OEMs/Dealers, etc.
• Customer Relationship Management in Retail Banking
  Customer Relationship Management in Retail Banking; Why CRM?; implementation Aspects of CRM in Banks; Implementation Process of CRM in Banks; Implementation Stages in CRM; Benefits of CRM; Impact of CRM on Customer Satisfaction
• Service Standards for Retail Banking
  Members of BCSBI; Main Aims and Objects; Code of Banks’ Commitment; Code of Banks Commitment to Micro and Small Enterprises; Function of BCSBI; Code Compliance Rating; Customer Grievances Handling Mechanism; General Information
• Marketing Information Systems- A Longitudinal Analysis
  Functions of MKIS; Components of MKIS; The MKIS Model; Observations; Usage of Computers in MKIS; Supports for Marketing Management; Supports for Marketing Mix Decisions; Use of Decision Models; Performance of MKIS; Recommendations; Advantages of MKIS

MODULE D: WEALTH MANAGEMENT

• Importance of Wealth Management
  Wealth Management – Broad View; Wealth Management Business Structures; Wealth management process; Wealth Management Products and Services; Alternative asset; Bond; Insurance; Mutual fund; Real estate Service; Retirement Planning; Strategic Business Strategy; Will Writing; Private Wealth Management; Personal Financial Planning; Wealth Management Assessment; Private Banking; Benefits of Wealth management; Importance of Wealth Management
• Investment Management
  Element of Investment; Basics of Investment Management; Steps in Investment Management; Investment Banking; Services being offered by Full-service Investment Banks; Investment Bank Organizational Structure; Investment Management Vs Investment Banking; Portfolio Management; Objectives of
  Portfolio Management; Key Elements of Portfolio Management; Portfolio Management Vs Investment Banking; Role of Portfolio Manager; Portfolio Management Service Vs Mutual Funds (MFs); Types of Portfolio Management Services; Steps of the Portfolio Management Process; Advantages of Portfolio
  Management Services; Disadvantages of PMS; Recent developments in the Portfolio Management Services area in India
• Tax Planning
  Classification of Tax Structure in India; Financial Year; Assessment Year; Previous Year; Concept of Previous Year & Financial Year vis-a-vis Assessment Year; Residential Status for Income Tax; A few important terms in Income Tax; Heads of Income for computation of the total income; Income Tax Slab rate for FY 2021-22 (AY 2022-23); Conditions for opting New Tax Regime; Example for Old Tax Regime Vs New Tax Regime & which is better; Income Tax Slabs for non-individual entities; Investment Products for Tax Savings; Estate Planning-Tax Planning through Wills/ Trusts; Capital Gains Tax
• Other Financial Services Provided by Banks
  Distribution of Third Party Products in Retail Banking; Mutual Fund Business; Insurance Business; Some Social Security Insurance Schemes; Cross Selling; Depository Services by Banks; Portfolio Management Services; Factoring; Other Agency Business by Banks

ADDITIONAL READING MATERIAL ON HOME LOANS

• Lender’s Appraisal Procedure
  Appraisal Procedures; Application Form; Documents to be Submitted for Availing a Home Loan; Application Received through Agent; Appraisal of Loan Request; Other Relevant Issues at Pre-sanction Stage; Documentation; Mortgage; Registration of Documents; Detection of Forged and Fabricated Title Deeds; Other Securities; Registration of Charges with CERSAI on Security Internet; Monitoring; Closure of Account; Home Loan Frauds
• Housing Finance and Tax Planning
  Tax Benefits in Respect of Housing Finance
• Mortgage Advice
  Development of “Home Information Packs”; Time Value of Money-interest and Annuities; Capital Gains; Loan Calculator and Loan Amortization Schedule
• Valuation of Real Property
  Who does Valuation?; Land with Building; Life of Structures; Sinking Fund; Reverse Mortgage

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