CIBN
Nigeria 🇳🇬FoundationsPROFESSIONALChartered Institute of Bankers of Nigeria — ACIB Diploma, Intermediate and Chartered Banker, from money and banking to credit and risk.
📏 CIBN papers are marked out of 100 with 50% the pass mark, sat in four diets a year from 2026 (February, April, July, October) at ₦15,000 per subject; entry to the Diploma level needs five SSCE credits including English and Mathematics.
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5 lessons1 subjectSelf-pacedProfessional plan
Beginner
Beginner skill
Deposit creation, monetary policy and its transmission, the money and capital markets, and the development-finance instruments a banker is measured on.
🔒 Unlocks after all modules
1
🔒 After lessonsEconomics of Banking & Finance
0/1 passed🔒
Money, Credit and the System a Banker Works Inside
Requires Professional plan
2
🔒 After lessonsBanking Law, Regulation & Ethics
0/1 passed🔒
The Licence, the Customer and the Files That Must Exist
Requires Professional plan
Intermediate
Intermediate skill
Core banking, channels and instant rails, agency and platform banking, the licensing ladder — and the fraud and continuity controls that make channels survivable.
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1
🔒 After lessonsDigital Banking, Fintech & Operations
0/1 passed🔒
Channels, Switches and the Fraud That Follows Them
Requires Professional plan
2
🔒 After lessonsLending & Credit Management
0/1 passed🔒
From Application to Recovery: The Credit Cycle
Requires Professional plan
Advanced
Advanced skill
ALCO, transfer pricing and risk-adjusted performance, corporate and cross-border services, project finance, and how to answer an elective paper with a framework.
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1
🔒 After lessonsChartered Banker Practice
0/1 passed🔒
Running the Bank: Balance Sheet, Capital, Strategy and the Elective
Requires Professional plan
Syllabus coverage · CIBN
0/32 official topics · 0%32 topics still to cover
- Money, banking and the Nigerian financial system — institutions, markets and instrumentsMoney, Credit and the System a Banker Works Inside →
- Monetary policy — objectives, instruments and the transmission mechanism in NigeriaMoney, Credit and the System a Banker Works Inside →
- Demand for and supply of money, interest-rate determination and the structure of ratesMoney, Credit and the System a Banker Works Inside →
- Inflation, exchange rates and the balance of payments, and their effect on bankingMoney, Credit and the System a Banker Works Inside →
- Economic growth and development, financial inclusion and the role of banks in development financeMoney, Credit and the System a Banker Works Inside →
- The regulatory architecture — CBN, NDIC, SEC, NAICOM and the Financial Regulation CommissionMoney, Credit and the System a Banker Works Inside →
- Banking law — the CBN Act, BOFIA and the licensing of deposit-money businessesThe Licence, the Customer and the Files That Must Exist →
- Customer and the banker — the contractual relationship, mandate, rights of set-off, lien and secrecyThe Licence, the Customer and the Files That Must Exist →
- Cheques, bills of exchange and negotiable instruments; electronic payments and the Payment System VisionThe Licence, the Customer and the Files That Must Exist →
- Deposit insurance, prudential guidelines and the reporting obligations of a bankThe Licence, the Customer and the Files That Must Exist →
- Anti-money laundering and combating the financing of terrorism — AML/CFT regulations, KYC, CDD, suspicious transaction reporting and SCUMLThe Licence, the Customer and the Files That Must Exist →
- Ethics, corporate governance and professionalism in banking; the banker's code of conduct and whistleblowingThe Licence, the Customer and the Files That Must Exist →
- Customer service and relationship management — service quality, complaints and recovery, and the consumer protection frameworkThe Licence, the Customer and the Files That Must Exist →
- Digital banking channels — mobile and internet banking, USSD, cards, POS, agency and branch-light bankingChannels, Switches and the Fraud That Follows Them →
- Core banking systems, payment switches, instant payments and settlement infrastructureChannels, Switches and the Fraud That Follows Them →
- Fintech in Nigeria — business models, licensing, sandboxing and the bank-partnership modelChannels, Switches and the Fraud That Follows Them →
- Open banking, APIs and data-driven banking; cloud, AI and automation in financial servicesChannels, Switches and the Fraud That Follows Them →
- Information security, business continuity and fraud management in digital channelsChannels, Switches and the Fraud That Follows Them →
- Enterprise risk management — the risk appetite framework, governance, three lines of defence, credit, market, liquidity, operational and reputational riskChannels, Switches and the Fraud That Follows Them →
- Basel standards, capital adequacy, stress testing and internal capital adequacy assessmentChannels, Switches and the Fraud That Follows Them →
- The credit process — origination, appraisal, the 5 Cs, structuring, documentation and approvalFrom Application to Recovery: The Credit Cycle →
- Credit analysis of financial statements, cash-flow lending and security valuationFrom Application to Recovery: The Credit Cycle →
- Loan portfolio management, prudential norms on loan classification and provisioningFrom Application to Recovery: The Credit Cycle →
- Non-performing assets, recovery, restructuring and the credit bureau frameworkFrom Application to Recovery: The Credit Cycle →
- Lending to sectors — agriculture and rural finance, SMEs, infrastructure, trade finance and real estateFrom Application to Recovery: The Credit Cycle →
- Project appraisal, lease finance, and lending to the public sectorFrom Application to Recovery: The Credit Cycle →
- Corporate financial services — corporate banking, syndications, treasury and capital-market offeringsRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
- Bank management and strategy — balance-sheet management, ALCO, transfer pricing and performance measurementRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
- Finance in the global market — international banking, foreign exchange, cross-border regulation and correspondent bankingRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
- Applied banking and experiential learning — translating strategy, risk and finance into branch and business decisionsRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
- Elective specialisation — bank audit and compliance, agency banking, central banking and deposit insurance, public sector finance, human resources, or SME/agricultural financeRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
- Leadership, people management and change in financial services institutionsRunning the Bank: Balance Sheet, Capital, Strategy and the Elective →
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