IIBF CCP Syllabus 2025: The Indian Institute of Banking and Finance (IIBF) Certified Credit Professional (CCP) exam is a prestigious certification designed for banking and finance professionals looking to enhance their expertise in credit management. With the IIBF CCP Syllabus 2025, candidates must stay updated on the latest exam pattern, topics, and key subject areas to excel in the examination. In this comprehensive guide, we provide a detailed breakdown of the IIBF CCP 2025 syllabus, covering essential topics such as credit risk management, financial analysis, working capital assessment, and regulatory guidelines.
IIBF CCP Topic Wise Breakdown Syllabus 2025
The syllabus is divided into multiple modules covering essential aspects of credit operations in banking. Here is a module-wise breakdown:
IIBF CCP Syllabus 2025 Module A
| Topic | Details |
|---|
| Principles of Lending | Safety, Liquidity, Profitability, Purpose of Loan, Diversification Risk. |
| Credit Policy | Importance, Contents, Exposure Norms, Model MSE Policy. |
| Types of Borrowers & Credit Facilities | Borrowers: Major, Minor, Married Women, Pardhanashin Women, Illiterate Persons, Agent, Attorney, Joint Borrowers, HUF, Proprietorship Firms, Partnership Firms, Limited Companies, Statutory Companies, Holding Companies, Government Companies, Private/Public Limited Companies, LLP.
Credit Facilities: Cash Credit, Overdrafts, Demand Loan, Bills Finance (Drawee Bill Scheme, Bills Discounting). |
| Credit Delivery | Types of Facilities, Modes of Delivery, Sole Banking, Multiple Banking, Consortium Lending, Syndication. Credit Thrust, Credit Priorities, Credit Acquisitions, Statutory & Regulatory restrictions on Advances. |
| Credit Appraisal | Validation of proposal, Dimensions of Credit Appraisals, Six "C"s, Structuring Loan Documents, Credit Risk, Credit Risk Rating, Credit Worthiness, Purpose of Loan, Source of Repayment, Cash Flow, Collateral. |
| Credit Rating | Measurement of Risk, Objective of Rating, Internal & External Rating, Model Credit Rating, Methodology of Rating, Internal & External Comparison, Model Rating Formats. |
| Capital Adequacy | Probability of Default (PD): Estimating likelihood of borrower default.
Exposure at Default (EAD): Measuring exposure at default.
Loss Given Default (LGD): Assessing loss expected in case of default. |
| RAROC (Risk-Adjusted Return on Capital) | Concept and significance of RAROC, Calculation of risk-adjusted returns, Application in credit decision-making, Comparing risk-adjusted returns across different credit products. |
IIBF CCP Syllabus 2025 Module B
| Topic | Details |
|---|
| Analysis of Financial Statements | Balance Sheet: Definition, Classification of Assets & Liabilities, Current Assets, Fixed Assets, Non-current Assets, Fresh Casino, Intangible & Fictitious Assets, Liabilities – Current Liabilities, Medium & Long-term Liabilities, Capital & Reserve.
Ratio Analysis: Liquidity, Leverage, Activity, Profitability Ratios, and Other important Ratios.
Fund Flow & Cash Flow Statements: Techniques and Illustrations. |
| Non-financial Risk Analysis & Macroeconomic Factors | Non-Financial Risks: Operational Risk, Legal Risk, Compliance Risk.
Macroeconomic Factors: Inflation, Interest Rates, Economic Growth, Exchange Rates, Industry and Sector Analysis, Political & Regulatory Environment, Technological Changes, Social and Demographic Factors. |
| Project Appraisal/Term Loan Appraisal | Types of Appraisals: Technical, Commercial/Market, Managerial, Financial, Economic, Environmental.
Financial Analysis: Project Cost, Means of Finance, Cost of Production, Profitability, Sensitivity Analysis, Break-even Analysis.
Capital Budgeting: Payback Period, Time Value of Money, NPV, IRR, Life of the Project. |
| Credit Risk Analytics & Credit Scoring Models | Credit Risk Assessment Techniques: PD Models, LGD Models, EAD Models.
Credit Scoring Models: FICO Score, Altman Z-Score, Logistic Regression Models.
Advanced Topics: Model Validation, Back-testing, Use of Big Data and Machine Learning in Credit Risk, Basel III, and Regulatory Requirements. |
IIBF CCP Syllabus 2025 Module C
| Topic | Details |
|---|
| Working Capital Assessment | Concept: Gross and Net Working Capital, Working Capital Gap.
Components & Sources: Operating/Working Cycle, Methods of Assessment (Turnover Method, MPBF Method, Cash Budget System).
Computation: Illustrations, Impact of Inadequate Working Capital, Working Capital Finance for IT & Software Industry.
Loan Delivery System & Cash Flow Analysis: Commercial Paper, Credit Delivery, CMA Data Analysis. |
| Quasi Credit Facilities | Non-Fund Facilities: Advantages and Types of NFB Facilities.
Letter of Credits (LC): Types and Assessment of LC Limits, Bills Purchase/Discounting under LC. |
| Various Types of Bank Guarantees | Types: Performance Guarantee, Financial Guarantees, Deferred Payment Guarantees.
Assessment: Evaluation of Guarantee Limits, Period of Claim under Guarantee. |
| Co-acceptance Facilities | RBI Guidelines: Co-acceptance of Bills for the Supply of Goods & Machinery. |
IIBF CCP Syllabus 2025 Module D
| Topic | Details |
|---|
| Export Finance | Pre-Shipment Finance: Export Packing Credit, Running Account Facility, Sector-specific credits (e.g., Agri Export Zones, Export Credit Insurance).
Post-Shipment Finance: Rupee Export Finance, Bills Purchase/Discounting, ECGC Guarantees. |
| Priority Sector Lending/Government Sponsored Schemes | Categories: Agriculture, MSME, Micro Credit, Weaker Sections.
Schemes: SGSY, SJSRY, Education Loans, Housing Finance, Export Credit, Differential Interest Scheme, Priority Sector Targets. |
| Retail Loans | Characteristics: Advantages of Retail Loans, Retail Banking vs Corporate Banking.
Products: Home Loans, Vehicle Loan, Personal Loan, Pensioner Loan, Property Loan, Education Loan, etc.
CERSAI registration guidelines. |
| Forward Exposure Limit & Pre-settlement Risk | Forward Exposure Limits: Definition, Importance, Management, and Monitoring.
Pre-settlement Risk: Definition, Impact, and Risk Mitigation Strategies. |
| Structured Finance Options | Components: Securitization, CDOs, Asset-Backed Securities.
Risk Management: Benefits and Drawbacks, Market Trends, Innovations in Structured Finance. |
| Alternative Source of Funding | Types: Venture Capital, Angel Investing, Crowdfunding, Private Equity.
Comparison: Characteristics, Benefits, Traditional Financing vs Alternative Funding, Regulatory Considerations. |
| Digital Finance - P2P Lending via FinTech | Overview: Peer-to-Peer (P2P) Lending, Role of FinTech, Benefits, Risks, Regulatory Framework, Popular Platforms, Comparison with Traditional Lending. |
| Green Finance | Principles: Definition, Green Bonds, Green Loans.
Impact: Environmental Benefits, Regulatory Framework, Examples of Projects, Role in Climate Change Mitigation and Sustainable Development. |
IIBF CCP Syllabus 2025 Module E
| Topic | Details |
|---|
| Documentation | Meaning and Importance: Types of documents, Requisites, Selection, Stamping, Registration.
Execution: Mode of Execution, Limitation Period, Law of Limitation to Guarantor.
Remedy: Un-stamped/ Under-stamped documents. |
| Types of Charges | Purpose and Types: Security, Lien, Negative Lien, Set-Off, Assignment, Pledge.
Banker's Role: Right as a Pledgee, Duties as Pledgee.
Charge Modes: Hypothecation, Mortgages (Simple, Equitable). |
| Follow Up, Supervision & Credit Monitoring | Credit Monitoring: Goals, Tools, Checklist, Statements, QIS Formats.
AI/ML Analytics: For predicting "likely to default".
Supervision & Follow-Up: Processes for Monitoring, Supervision and Follow-up activities. |
| Resolution of Stressed Assets | Identifying Stressed Assets: Strategies for Resolution, Legal Framework, ARCs Role, Case Studies. |
| Fair Practices Code on Lender's Liability | Practices: Loan Processing, Assessment, Disbursement, Administration, Recall/ Repayment, Grievance Redress Mechanisms. |
| Insolvency & Bankruptcy Code (IBC), 2016 | Introduction: NPA Management, Income Recognition, Asset Classification.
Sick Units & NPA: Policies, Guidelines, Provisioning Norms.
Corporate Debt Restructuring: Mechanism, Structure, Operations.
Legal Actions: SARFAESI, Debt Recovery Tribunal, Write-off. |
| Fraud Risk Management in Credit | Early Warning Signals: Identifying potential warning signs, Annexure details.
Red Flagging Accounts: Criteria, Procedures, Actions.
Fraud Identification: Techniques and Reporting Mechanisms.
Forensic Audit: Importance, Process, Techniques.
Wilful Defaulters: Identification, Consequences, Legal implications.
Non-Cooperative Borrowers: Strategies to deal with non-cooperation.
Fugitive Economic Offender: Legal framework and handling.
Look Out Circular: Purpose and Implementation.
Criminal Offenses: Types, Investigative Agencies' role |
IIBF CCP Syllabus 2025 PDF Download
Download the IIBF CCP Syllabus 2025 PDF to get the latest exam pattern, module-wise topics, and study guidelines. Stay updated with IIBF Certified Credit Professional (CCP) syllabus and prepare effectively for the exam. Access the official IIBF CCP syllabus PDF for structured learning and better exam success.
Download IIBF CCP Syllabus 2025 PDF
IIBF CCP Exam Pattern 2025
The IIBF CCP exam follows an objective-type format with multiple-choice questions (MCQs). Here is the updated exam pattern for 2025:
- Mode of Exam: Online
- Question Type: Multiple Choice Questions (MCQs)
- Total Questions: 120
- Total Marks: 100
- Duration: 2 hours
- Passing Criteria: Minimum 50% marks
- Negative Marking: No
The exam assesses candidates on various aspects of credit management, risk analysis, and banking practices.
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