IBP JAIBP Stage II case studies
IBP JAIBP Stage II · Put your knowledge to work in context.
JAIBP Stage II is the second tier of the Institute of Bankers Pakistan's Junior Associate qualification, the domestic professional ladder for people building a career in Pakistani banking. Stage II is where the syllabus turns from general banking awareness into the working knowledge a branch or credit officer uses daily: branch operations and controls, lending and credit assessment across SME and consumer segments, accounting and financial statement analysis, marketing and relationship management, business communication and professional ethics, banking technology, and the Pakistani economic and regulatory environment. The IBP JAIBP Stage II case studies are 5 cases and about 4,505 words.
1Half-Year Close at a Sialkot Branch: Shortage, Vault Breach and a Verbal Overdraft
On 30 June, the last working day of the half-year, the branch manager of a 14-staff branch in Sialkot leaves for a meeting at 3:40 p.m. and does not return before close.
946 words, about 5 min2Knitwear Exporter Asks for a 58% Limit Increase While Margins Fall
Al-Karam Knitwear (Pvt) Ltd, a Faisalabad SME, exports 60% of its output to the EU and sells 40% locally. FY2024 sales were PKR 480 million, up from PKR 410 million, but the EBITDA margin fell from 11% to 9% as buyers pushed prices down and gas costs rose.
930 words, about 5 min3Reading a Bank's Growth: 22% Advances, 4% Profit and a 62% Coverage Ratio
A mid-sized Pakistani bank reports for FY2025: total assets PKR 850 billion (up 15%), gross advances PKR 520 billion (up 22%), deposits PKR 640 billion (up 9%), net interest margin 2.7% (FY2024: 3.4%), profit after tax PKR 9.1 billion (up 4%), ROE 14%, and cost-to-income 58%. Non-performing loans are 8.9% of advances (FY2024: 6.2%) and provision coverage is 62%.
864 words, about 4 min4Youth Segment Churn: Why More Accounts Will Not Fix a 4,200 Rupee Acquisition Cost
CityBank's retail division has 1.8 million customers, of whom 420,000 are aged 18–30. The youth segment is the fastest-growing on paper, but 18% of these customers leave each year; 70% of those who leave do so within 90 days of opening an account, and 55% of leavers never made a single transaction beyond the initial deposit.
870 words, about 4 min5A Retiree, a Capital-at-Risk Note and PKR 4 Million in Split Deposits
Imran, a relationship manager at a Karachi branch, looks after Mrs Siddiqui, a 68-year-old retired school principal with PKR 25 million from a provident fund and a property sale, currently in a three-month deposit. Her recorded risk profile is 'conservative' and the form is signed.
895 words, about 4 min