IBP JAIBP Stage I case studies
IBP JAIBP Stage I · Put your knowledge to work in context.
JAIBP Stage I is the entry level of the Institute of Bankers Pakistan's Junior Associate of the Institute of Bankers Pakistan programme, a professional banking qualification built for people starting or early in a career in Pakistani banking and financial services. Stage I gives you the foundation: how banks work and make money, how to read and prepare accounts, the economics behind monetary and fiscal policy, the quantitative tools used in pricing and analysis, and the business communication expected in a professional setting. The IBP JAIBP Stage I case studies are 5 cases and about 4,497 words.
1The Circular That Reached Customers With the Internal Annexure Still Attached
You manage a 14-person branch. Head office Circular 14/2025, effective 1 March, cuts free ATM withdrawals from eight to five per month and adds a 0.15% service charge on current-account cash deposits above PKR 500,000 in a month.
839 words, about 4 min2A Suspense Account That Has Not Moved in Six Weeks
At 31 December the branch suspense account shows a debit balance of PKR 4,820,000, and the branch has reported profit before suspense adjustments of PKR 26,500,000. The items are: (i) a PKR 1,200,000 ATM switch settlement difference first noted on 14 November; (ii) PKR 850,000 received by telegraphic transfer and credited to customer A instead of customer B on 3 December, of which A has since withdrawn PKR 300,000; (iii) a PKR 2,400,000 difference on the inter-branch account, with the matching contra entries dated 2 January in the other branch's books; (iv) a standing-instruction reversal of PKR 370,000 posted twice to the same customer account.
876 words, about 4 min3Deposit Pricing After a 250 Basis Point Hike
The central bank raises the policy rate by 250 basis points to 19.5%. Inflation is 24% year on year and GDP growth has slowed to 1.7%.
919 words, about 5 min4Flat Versus Reducing Balance, With a Very Wide Default Interval
An SME client, a packaging unit, asks for PKR 3,000,000 over 36 months. Your product sheet offers two structures: (A) a flat rate of 14% per annum, with markup calculated on the original amount and spread equally over 36 instalments; or (B) 19% per annum on the reducing balance, equal monthly instalments.
925 words, about 5 min5Fourteen Cash Deposits, a New Beneficial Owner and a Quarterly Target
A textile exporter has banked with your branch since 2011: turnover around PKR 180 million a year, all documentary credits, salary disbursements of PKR 2.1 million a month, and about PKR 5.4 million of annual revenue to the branch. Between October and December he makes 14 cash deposits totalling PKR 9.6 million, each between PKR 850,000 and PKR 980,000, always brought in by a different third party, always at the counter - never through the night deposit box he has used for years.
938 words, about 5 min