JAIBP Stage III case studies
JAIBP Stage III · Put your knowledge to work in context.
JAIBP Stage III is the third and final stage of the Institute of Bankers Pakistan's Junior Associate qualification, a professional banking credential widely recognised within Pakistan's banking sector. Candidates typically reach it after completing Stages I and II, and it is aimed at junior and mid-level bank officers who want a structured, examinable grounding in the core functions of a commercial bank rather than a narrow specialism. The JAIBP Stage III case studies are 5 cases and about 2,649 words.
1Month-End Cash Shortage and a Same-Day Credit Request
On the last working day of the quarter, the Rawalpindi branch closes with physical vault cash of PKR 1,86,40,500 against a book balance of PKR 1,86,88,000. Teller A's drawer is short by PKR 12,000, Teller B's by PKR 9,500, and PKR 26,000 remains unexplained.
585 words, about 3 min2SME Renewal with Stale Stock and Thin Collateral Cover
An SME sports-goods manufacturer in Sialkot has a running-finance limit of PKR 85 million that expired 15 days ago; outstanding is PKR 82 million. The stock statement is five months old, and receivables ageing shows 38% over 120 days.
533 words, about 3 min3LC Discrepancies, a Sanctions Alert and a Request to Backdate
A textile importer in Faisalabad has an irrevocable sight LC for USD 480,000, 20% cash margin, latest shipment 31 May, expiry 15 June. Documents arrive at the bank on 6 June.
527 words, about 3 min4Murabaha Where the Customer Already Took Delivery
An Islamic bank approves a PKR 150 million Murabaha facility for a sugar mill's working capital. The bank appoints the customer as its agent to purchase sugar from a nominated supplier.
515 words, about 3 min5Fixed-Rate PIBs Funded by Short-Term Deposits
The treasury of a mid-sized Pakistani bank holds PKR 3.5 billion of 5-year fixed-rate Pakistan Investment Bonds yielding 11%, with modified duration of 4.2 years. The portfolio is funded mainly by 3-month fixed deposits at 9.5% and some low-cost CASA.
489 words, about 2 min