IBP JAIBP Stage II study plan

Map the end-to-end account-opening and KYC workflow for an individual and a sole-proprietor business account, listing every document and register involved

Explain the clearing cycle for cheques in Pakistan (inward and outward, return reasons, timelines) and the branch's liability at each step

Distinguish the main credit types (running finance, demand finance, term loan, trade finance) and state the security and repayment structure typical of each

Draft a one-page branch cash-management and vault-limit checklist covering dual custody and surprise verification

Walk through the lending decision chain from application to disbursement, naming the approving authority and documentation at each stage

Apply the standard credit appraisal tools (character, capacity, capital, collateral, conditions) to a hypothetical SME borrower and reach a reasoned recommendation

Compute and interpret key ratios for a borrower: current ratio, debt-to-equity, debt service coverage, and inventory turnover

Identify early-warning signs of loan deterioration and describe the classification and provisioning treatment for a non-performing exposure

Compare consumer finance products (auto, mortgage, personal, credit card) on eligibility, tenor, pricing, and security

Explain regulatory consumer-protection requirements relevant to lending and recovery practices, including fair-treatment expectations

Outline the SME financing landscape in Pakistan, naming the main government and central-bank support schemes and their broad eligibility

Design a recovery escalation ladder from first missed instalment to legal action, noting the communication at each rung

Read a bank's balance sheet and classify each major line as asset, liability, or equity, noting what drives its movement

Compute and interpret profitability and efficiency measures: net interest margin, return on assets, return on equity, and cost-to-income ratio

Explain how provisioning, accrued interest, and non-performing loans distort reported profit and capital

Distinguish book value from market value and state why capital adequacy matters to a lender

Prepare a simple set of financial statements from a trial balance, including the adjusting entries a bank would typically see

Segment a retail customer base into at least four groups and match a suitable product bundle to each

Explain the customer lifecycle from acquisition to retention and identify one measurable lever at each stage

Draft a complaint-handling sequence that converts a dissatisfied customer into a retained one, naming the service-recovery steps

Build a relationship plan for a mid-sized business client covering wallet-share goals, cross-sell targets, and a review cadence

Distinguish ethical obligations owed to the customer, the employer, the regulator, and the colleague in three short conflict scenarios

Identify the confidentiality and conflict-of-interest rules a banker must observe when handling client information

Write a persuasive but accurate product proposal email that avoids misleading claims

Describe the core banking system's role and the main risks of digital channels: fraud, phishing, data leakage, and downtime

Explain the purpose of key controls in banking IT: access management, segregation of duties, audit trails, and backup and recovery

Summarise the State Bank of Pakistan's monetary policy transmission channels and how a policy-rate change reaches lending rates

Relate inflation, exchange rate, and fiscal deficit trends to bank profitability and credit demand

Rehearse timed practice sets across all seven domains, weighting time by syllabus weightage

Revisit every weak area flagged in earlier weeks and close at least three specific gaps

Memorise the ratio formulas, lending stages, and clearing steps that are most frequently tested

Simulate a full exam sitting under time pressure and review every error