IIBF SFB case studies

IIBF SFB · Put your knowledge to work in context.

The IIBF Small Finance Bank (SFB) Certification Examination is a professional certification offered by the Indian Institute of Banking & Finance, an institute established in 1928 as a Company under Section 26 of the Indian Companies Act, 1913, whose stated mission is to develop professionally qualified and competent bankers and finance professionals through education, training, examination and continuing professional development. The credential suits staff of small finance banks and aspirants moving into the SFB segment who need working command of the sector's distinct rulebook: RBI licensing and regulatory expectations, priority sector lending and financial inclusion obligations, deposit mobilisation and customer service, microfinance and small business credit appraisal, risk management, ALM and prudential norms, and KYC/AML/CFT and fraud risk compliance. The IIBF SFB case studies are 5 cases and about 5,331 words.

Shikhar SFB and the voluntary transition to a universal bank

Shikhar Small Finance Bank commenced operations in March 2017, became a scheduled bank in 2019 and listed on a recognised stock exchange in November 2021. Its audited net worth at the end of each of the last three quarters was ₹1,090 crore, ₹1,124 crore and ₹1,180 crore.

949 words, about 5 min 2

Year-end priority sector shortfalls at Ganga SFB

Ganga Small Finance Bank's priority sector target for the year is 75% of an ANBC of ₹8,400 crore, i.e. At the start of the last month of the financial year, its certified PSL outstanding is ₹6,120 crore (72.9%).

1,009 words, about 5 min 3

Bulk deposits, an inverted rate card and two customer grievances at Vasudha SFB

Vasudha Small Finance Bank has 96 branches and ₹9,800 crore of deposits: 21% CASA, 57% retail term deposits and 22% bulk deposits of ₹2 crore and above (₹2,156 crore). Within the bulk book, ₹610 crore from nine district co-operative banks and four corporate treasuries matures in 30 to 91 days, including ₹85 crore in the next ten days; these depositors roll over only at a higher rate and currently earn 8.15–8.60%.

1,110 words, about 6 min 4

A joint liability group in a drought block: the 50% repayment cap

Sunita, a member of a six-woman joint liability group, applies for ₹80,000 over 24 months at 22% at the Osmanabad branch of a small finance bank. Her household's monthly income is ₹19,500 from dairy, agricultural labour and a small cotton plot, in a block that has had three deficient monsoons.

1,065 words, about 5 min 5

Forty-three mule accounts and a login used on a leave day

Over six weeks, two branches of a small finance bank opened 43 savings accounts that share a pattern: identical electricity-bill templates as address proof, mobile numbers in two number series, immediate activation of UPI-linked accounts, credits arriving from multiple payment applications and near-simultaneous cash withdrawals at ATMs in three districts. The total value passing through is ₹64 lakh.

1,198 words, about 6 min