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AVAILABLE PROGRAMMES
Course image THE MONETARY AND FINANCIAL SYSTEMLevel 1The module aims to provide learners knowledge and understanding of the nature, dynamics, participants and interactions within the macro and industry environments in which banks and financial services organizations operate. The course has a total of 10 credit hours.
Course image LAW & FINANCIAL SERVICES REGULATIONLevel 1The module aims to equip learners with knowledge and understanding of the governance, legal and regulatory frameworks that guide and influence the ways in which banks operate. It considers how regulations and legislations are used to address risks and how they affect financial services organizations and their customers. The course has a total of 10 credit hours.
Course image ETHICS AND PROFESSIONALISMLevel 1The module provides learners with a deep understanding of the professional conduct and ethics expected of those who work in banks. It covers the importance of ethical thinking, concepts and practice in the financial services industry. In addition, it enables learners to understand the significance of ethics to ensure compliance with rules and regulations to enhance professionalism and ethical decision making. Finally, it considers personal professionalism and the application of conduct rules within a working environment. The course has a total of 10 credit hours.
Course image CUSTOMER EXPERIENCE & SERVICE EXCELLENCELevel 1The module aims to develop the knowledge and understanding of learners about the market and competitive landscape within which banks operate. It covers the market dynamics, products, services, technologies and how banks connect with their customers. In addition, it looks at banking in the digital age and the factors that are transforming the way people bank and how banks are responding to the changing and sophisticated expectations of customers in an increasingly competitive environment. The course has a total of 10 credit hours.
Course image CREDIT RISK MANAGEMENTLevel 2The module aims to provide the learner the skills to discuss how banks provide credit to different types of customers. Learners should also be able to analyse and explain the credit cycle, the role of the banker at each stage of the cycle and technique used to assess credit for different types of customers. Finally, the module should enable the learner to apply financial statement analysis throughout the credit cycle and analyse the incidence and management of credit risks. The course has a total of 10 credit hours.
Course image FINANCIAL & QUANTITATIVE ANALYSIS FOR DECISION MAKINGLevel 2The module covers the types of decisions that banks make to further their operations, their relationship with customers, regulators and other key stakeholders and their profitability. It enables learners to use statistical, probabilistic, algebraic and financial analyses to interpret data and produce insights that can guide evidence-based and analyses-driven decisions. The course has a total of 10 credit hours.
Course image OPERATIONS MANAGEMENT IN FINANCIAL SERVICESLevel 2The module will enable learners to develop their understanding of the main operations of a bank including the products, services, types of customers, operating accounts and lending and security. It will provide them the skills to describe and analyse the work carried out by the banking operations department through its shared services and in support of e-banking. The course has a total of 10 credit hours. Pre-requisites for this module are: (i) The Monetary & Financial System, (ii) Law and Financial Services Regulation and (iii) Customer Experience and Service Excellence
Course image ENTERPRISE RISK MANAGEMENTLevel 2The module will equip learners with the skills to explain and analyse a range of different types of risk that banks face, and the ways in which those risks are effectively mitigated and managed. In addition, it will enable learners to critically evaluate how financial market, credit and liquidity risks are managed by banks in the current digital, economic, and regulatory environment. The course has a total of 10 credit hours. The pre-requisites for this module are: (i) The Monetary & Financial System, (ii) Law and Financial Services Regulation and (iii) Customer Experience and Service Excellence
Course image PRACTICE OF BANKING – LAW, AND PRACTICELevel 3The subject gives a comprehensive exposition of the law and practice of banking. It deals with the various banks’ relationship with their customers. The subject also provides valuable safeguards for both practitioners and customers as well as individuals to understand how to deal with each other and the implications arising from different types of accounts and events affecting their banking operations.
Course image BANKING OPERATIONS: REGULATIONS, MARKET PRACTICE AND TREASURY MANAGEMENTLevel 3This course enables you to understand the role and responsibilities of a bank’s treasury, the practices involved in the markets where a bank operates, and the impact of regulations on its activities. It covers treasury management of financial services institutions; banking and investment supervision and regulation; market practice and procedures.
Course image CREDIT MANAGEMENT – LENDINGLevel 3This course is designed to enable you to demonstrate your understanding of the techniques of good credit assessment, with particular emphasis on evaluating the risks associated with lending to personal customers and smaller and middle-market business customers. The course covers analysis of accounting statements for lending purposes; assessment of a lending proposition; factors creating credit risks and its control; security; lending requirements of different types of business; advances; other specialist bank services related to lending.
Course image INTERNATIONAL TRADE FINANCELevel 3Enables you to understand the methods employed and the customers engaged in international trade to appreciate the features and benefits of the range of service providers in the field; to understand the international payment systems that are in place and the regulations and procedures adopted; and to recognize the terminology used in international trade. The subject covers the meaning of international trade finance and payment and risk management services; financial services provided by banks and from other sources; methods of trading, trade promotion and assistance or advice available from banks and other sources.
Course image BANK STRATEGIC INFORMATION MANAGEMENTLevel 3Bank Strategic Information Management is the collection and management of information from one or more sources and the distribution of that information to one or more clients. This involves how information is regularly disseminated across computer networks and by other electronic means. It also involves those who have a stake in, or right to that information. Management means the organization of and control over the structure, processing, and delivery of information. In short, Bank Strategic Information Management entails organizing, retrieving, acquiring, and maintaining the information within the financial services environment.
Course image FINANCIAL REPORTING, PLANNING, AND ANALYSISLevel 3An understanding of accounting information, an ability to prepare and interpret a balance sheet or cash flow statement, is essential to business planning. This course enables the student to understand the statutory requirements and accounting standards employed in financial reports and accounts, and the content and structure of those reports. You will be equipped to undertake financial analysis, including traditional accounting ratios and cash flow analysis, and to understand business valuation and corporate structures.
Course image CORPORATE & INVESTMENT BANKINGLevel 3The modules aims to provide learners with the skills to analyze the corporate banking environment, manage the corporate banking assets, assess customer needs and match the needs to products and services. Also, it will enable the learners to develop customer value propositions and deliver high-quality experience to customers in order to maximize the profitability of its investment banking business. The course has a total of 10 credit hours. The pre-requisites for this module are: (i) Credit Risk Management, (ii) Operations Management in Financial Services, (iii) Enterprise Risk Management, (iv) Laws and Financial Services Regulation, and (v) Customer Experience and Service Excellence
Course image TREASURY MANAGEMENT & TRADE FINANCELevel 3The module covers both international trade finance and treasury management. With respect to international trade finance the module aims to equip learners with the skills to assess lending opportunities that involve trade instruments, perform effective credit analysis and structure facilities that strengthen trade finance deals and reduce banks’ exposure to risk. The treasury management part of the module aims to enable learners to explain, analyze and evaluate the role and responsibilities of a bank’s treasury, the practices involved in the markets in which it operates and the impact of regulation on its activities. The course has a total of 10 credit hours. The pre-requisites for this module are: (i) Credit Risk Management, (ii) Operations Management in Financial Services, (iii) Enterprise Risk Management, (iv) Laws and Financial Services Regulation, and (v) Customer Experience and Service Excellence
Course image TECHNOLOGY & DATA ANALYTICS IN FINANCIAL SERVICESLevel 3Technology is changing the way firms compete and how customers access products and services in the financial services sector. This module gives an overview of the technology landscape, the role of AI and the impact of technology in banking. It also provides detailed analysis of the building blocks of big data and analytics architecture. It addresses the effective adoption and use of emerging technologies in banking and the challenges associated with such technologies. The course has a total of 10 credit hours. Pre-requisites The pre-requisites for this module are: (i) Financial and Quantitative Analysis for Decision Making, and (ii) Operations Management in Financial Services
Course image RETAIL BANKING & WEALTH MANAGEMENTLevel 3The modules aims to provide learners with the skills to analyze the retail banking environment, manage the retail assets, assess customer needs and match the needs to products and services. Also, it will enable the learners to develop customer value propositions and deliver high-quality experience to customers in order to maximize the profitability of its retail and wealth management portfolios. The course has a total of 10 credit hours The pre-requisites for this module are: (i) Credit Risk Management, (ii) Operations Management in Financial Services, (iii) Enterprise Risk Management, (iv) Laws and Financial Services Regulation, and (v) Customer Experience and Service Excellence
Course image STRATEGIC MARKETING MANAGEMENTLevel 4This course provides you with a comprehensive insight into the basic disciplines which underlie the marketing philosophy and an in-depth understanding of the functional areas of marketing that are relevant for the financial services industry.
Course image STRATEGIC LEADERSHIP IN FINANCIAL SERVICESLevel 4The module integrates four areas that leaders of banks need to master to ensure the continuing success and stability of their banks in the face of the unprecedented level of change from digital disruptions, regulatory developments and changing customer behaviour. Therefore, the module aims to: (i) provide learners with the skills to develop and analyze banks strategies, (ii) critically evaluate risk management approaches and their application to promote best practice, (iii) assess and recommend appropriate governance systems and practices that align with the strategy and mandate of the bank, and (iv) evaluate and apply concepts of professionalism, conduct and ethics within the financial services industry. The course has a total of 30 credit hours. The pre-requisites for this module are all the modules in levels 1 - 3.
Chartered Institute of Bankers, Ghana and Bank of Ghana 
ETHICS CERTIFICATION PROGRAMME
This innovative ethics certification programme has been developed and launched by Chartered Institute of Bankers, Ghana (CIB Ghana) and Bank of Ghana (BoG). This collaborative effort is in pursuit of the collective mandates of both institutions to ensure a sustainable and resilient financial services sector in Ghana. CIB Ghana, Bank of Ghana and Ghana Association of Banks (GAB) recognise the vital role that ethics and professionalism play in maintaining the stability and reputation of Ghana's financial service sector.
The programme was launched on 14th November, 2023 at the National Banking and Ethics Conference of CIB Ghana. During the launch, the Governor of the Central Bank declared that: "the ethics certification is for all employees working in the banking industry; and all bank staff must complete the certification programme and be recertified annually. Fit and proper assessment for key management positions should also include ethics certification."
Chartered Institute of Bankers, Ghana is mandated under the Chartered Institute of Bankers, Ghana Act, 2019 (Act 991) to promote the study of banking and to regulate the practice of the banking profession in Ghana. That means the Institute:
- develops trusted professionals for the financial services sector;
- puts ethics high on the agenda of banks and bankers; and
- is the talent and leadership engine for the financial services industry.
This ethics course is designed and targeted at various levels of banking staff: junior employees, managers and supervisors, and senior executives and board members. The curriculum focuses on helping financial services professionals and bankers build a strong ethical foundation and understand the ethical frameworks within which to resolve ethical dilemmas.
For junior staff, the programme will provide an understanding of the fundamental principles of banking ethics and professional conduct as per the Ghana Banking Code of Ethics and Business Conduct of the institute. For managers and supervisors, the course aims to foster ethical leadership skills. It will equip them with the knowledge and tools to identify potential ethical dilemmas, navigate conflicts of interest, and instill and role-model a culture of ethical conduct within their teams. For senior executives and board members, this programme will delve into the ethical considerations involved in strategic decision-making and governance. It will equip you with the skills to establish and oversee an effective ethics programme, ensuring that your bank's operations align with high ethical standards.
The business of banking is a business of trust. Trust arrives on foot but leaves in a Ferrari (according to Mark Carney, former Governor of Bank of England). Recent developments in our industry have adversely impacted customer confidence, employee loyalty, and stakeholder expectations. Banks, bankers, and other stakeholders must work together to restore confidence in the financial services sector. Doing nothing is not an option.
Chartered Institutes of Bankers, Ghana is delighted to be
at the forefront of this ethical revolution in the banking sector. We look forward to seeing the positive impact of the Ethics Certification programme on the stability and sustainability of the financial services sector in Ghana. It is the hope of the Governing Council that this ethics certification will provide a pathway to redefine professionalism in banking through ethics.
Robert Dzato, ACIBCEO, CIB Ghana
ETHICS AND PROFESSIONALISM: JUNIOR STAFFETHICS CERTIFICATION PROGRAMMEThis programme will provide an understanding of the fundamental principles of banking ethics and professional conduct. It will guide them on the critical role they play in promoting ethical practices within their roles.
ETHICS AND PROFESSIONALISM: MANAGERS AND SUPERVISORSETHICS CERTIFICATION PROGRAMMEThis course aims to foster ethical leadership skills. It will equip them with the knowledge and tools to identify potential ethical dilemmas, navigate conflicts of interest, and instil a culture of ethical conduct within their teams.
ETHICS AND PROFESSIONALISM: SENIOR EXECUTIVES AND BOARD MEMBERSETHICS CERTIFICATION PROGRAMMEThis programme will delve into the ethical considerations involved in strategic decision-making and governance. It will equip them with the skills to establish and oversee an effective ethics programme, ensuring that the bank's operations align with its ethical commitments.
CHARTERED BANKER FOR EXECUTIVE LEADERSHIP (CBEL)CHARTERED BANKER FOR EXECUTIVE LEADERSHIP (CBEL)The Chartered Banker for Executive Leadership (CBEL) Programme is a flexible but intensive programme for senior executives in financial services. It is designed to broaden the perspectives and knowledge base of experienced practitioners. The programme equips leaders with relevant strategic leadership, governance and risk management competencies. It is underpinned by ethics, professionalism and a sustainability mindset needed in an ever-increasingly competitive financial services sector.
In the dynamic and evolving financial landscape of Ghana, effective leadership is crucial for the success and sustainability of rural and community banks. Recognizing the unique challenges and opportunities these institutions face, we have developed the "Leadership Essentials for Rural and Community Banks Senior Management" program. This comprehensive program is tailored specifically for CEOs and key management personnel of rural and community banks in Ghana.
Designed to enhance leadership capabilities, strategic thinking, and operational excellence, this program equips senior management with the tools and insights needed to drive growth, innovation, and community development. Participants will engage in interactive sessions led by industry experts, focusing on best practices in governance, risk management, financial performance, customer service, and digital transformation. Join us in this transformative journey to strengthen the leadership of rural and community banks, ensuring they continue to play a pivotal role in the economic empowerment and development of our communities.
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Welcome to Chartered Institute of Bankers, Ghana (CIB Ghana).
Chartered Institute of Bankers, Ghana (CIB Ghana) was established by an Act of Parliament, the Chartered Institute of Bankers Ghana Act, 2019 (Act 991). By the Act, CIB Ghana has the mandate of promoting the study of banking and regulating the practice of the banking profession in the country.
Promote
To promote the study of banking in Ghana.
Regulate
To regulate the practice of banking profession in Ghana.
Perform
To perform specific functions to achieve mandate.
Provide
To provide for related financial services.
In strategic terms, we seek to develop trusted professionals for the financial services sector; we put put ethics high on the agenda of banks and bankers; and we are the talent and leadership engine for the financial sector.
We serve as a professional body for bankers, banks and other financial institutions. We establish competency framework for professional banking education and the ethical standards that are expected of trusted professionals. Our professional qualification is globally aligned. CIB Ghana is a member of the Global Banking Education Standards Board (GBEStB) and Alliance of African Institute of Bankers (AAIOB).
In an increasingly competitive and rapidly changing banking industry, it is more important than ever for banks to invest in the human capital development. A well-trained and skilled workforce is essential for banks to achieve their strategic goals, improve their operational efficiency, and deliver excellent customer experience.
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