Curriculum
Unit/Item Chapter/
Section
Item Title Section
1
2
3
4
5
6
7
Chapter One
Section 1
Section 2
Section 3
Section 4
Section 5
Section 6
Section 7 Financing Products and Services
Upon completion of study of this book’s section, the test-taker:
1. To be familiar with types of financing products and services pro- vided by banks and financing companies to individual customers in the Kingdom of Saudi Arabia.
1.1 Financing Products and Services
1.1.1 Financing Products and Services Rendered by Banks and Fi-nancing Companies to Individual Customers
2. To be familiar with Regulations for Issuance and Operations of Credit and Charge Cards
1.2 Rules for Obtaining Financing Products 1.2.1 Definition of Credit and Charge Cards
1.2.2 Regulations for Issuance and Operations of Credit and Charge Cards
1.2.3 Issuance of Credit and Charge Cards 1.2.4 Credit Limits of Cards
1.2.5 Information Disclosure
1.2.6 Rights and Responsibilities of the Cardholder 3. To be familiar with Regulations for Consumer Finance 1.3 Regulations for Consumer Finance
1.3.1 Regulations for Consumer Finance
4.To be familiar with the Implementing Regulations of the Real Es- tate Fi-nance Law
4.1 Implementing Regulations of the Real Estate Finance Law 5. To be familiar with the standard form for contracts of real estate finance (Murabaha and Ijara):
1.5 Standard Form for Contracts of Real Estate Finance (Murabaha and Ija-ra)
1.5.1 Real Estate Finance Contract in the Form of Ijara 1.5.2 Real Estate Finance Contract in the Form of Murabaha 6. To be familiar with the rights of the lessor and lessee under the Finance Lease Law
6.1 Rights of the Lessor and Lessee under the Finance Lease Law 6.1.1 The Lease Contract
6.1.2 Finance Lease Controls
7. To be familiar with the rights and responsibilities associated with financing products
7.1 Rights and Responsibilities Associated with Financing Products 7.1.1 Rights and Responsibilities Associated with Financing Products
7.1.2 Finance Entities’ and Banks’ Customer Protection Principles
Item Title Section
8
1
2
3
1
2
3
4 1
Section 8
Chapter Two
Section 1
Section 2
Chapter Three
Section 1
Section 2
Section 3
Chapter Four 8. To be familiar with the rules for disclosing the prices of financing
and saving products
8.1 Rules for Disclosing the Prices of Financing and Saving Prod- ucts
8.1.1 Rules for Disclosing the Prices of Financing and Saving Prod- ucts
8.1.2 Disclosure Requirements 8.1.3 Disclosure Forms
Financing Mechanism
Upon completion of study of this book’s section, the test-taker:
1. To be familiar with factors affecting acceptance of applications for financ-ing individual customers.
2.1.1 Factors Affecting the Acceptance of Applications for Financing Individual Customers
2. To be familiar with the principles of responsible lending for indi- vidual customers
2.2 Responsible Lending Principles for Individual Customers:
2.2.1 Definitions:
2.2.2 Qualitative Principles of Responsible Lending:
2.2.3 Quantitative Principles of Responsible Lending:
Introduction to Operational Risk Management
Upon completion of study of this book’s section, the test-taker:
1. To be familiar with unusual and suspicious transactions and pro- cedures of dealing therewith.
3.1 Unusual and Suspicious Transactions and Procedures of Dealing therewith:
3.1.1 Definition of Unusual and Suspicious Transactions:
3.1.2 Indicators of Unusual and Suspicious Transactions:
2. To be familiar with KSA legal framework for AML/CTF.
3.2 KSA Legal Framework for AML/CTF:
3.2.1 KSA Legal Framework for AML/CTF:
3.2.2 KSA AML/CTF Initiatives:
3. To be familiar with administrative reference for unusual and sus- picious transactions (Compliance Department – the role of Audit Department Of-ficer).
3.3 Administrative Reference for Unusual and Suspicious Transac- tions (Compliance Department – The Role of Audit Department Officer).
3.3.1 Determining the Administrative Reference for Handling Un- usual and Suspicious Transactions:
Customer Credit Risk
Upon completion of study of this book’s section, the test-taker:
Item Title Section
1
2
3
4
5
1
2
3
Section 1
Section 2
Section 3
Section 4
Chapter Five
Section 1
Section 2
Section 3 1. To be familiar with customer credit risk and the impact thereon.
4.1 Customer Credit Risk and Impact Thereon:
4.1.1 Customer Credit Risk:
2. To be familiar with the financial objectives that are consistent with the cus-tomer’s financial position.
4.2 Financial Objectives Consistent with the Customer’s Financial Position:
4.2.1 Financial Objectives Consistent with the Customer’s Financial Position:
3. To be familiar with collection regulations and procedures.
4.3 Collection Regulations and Procedures:
4.3.1 Collection Regulations and Procedures:
4. To be familiar with the procedures for dealing with defaulting cus- tomers.
4.4 Procedures for Dealing with Defaulting Customers:
4.4.1 Procedures for Dealing with Defaulting Customers:
Upon completion of study of this book’s section, the test-taker:
1. To understand the nature of targets and how to identify them, whether at the level of the individual or establishment in which he works.
5.1 Understanding the nature of Targets and How to Identify Them, whether at the Level of Individual or Establishment in which He Works:
5.1.1 Definition of Targets:
5.1.2 Setting of Targets:
5.1.3 How to Set Targets:
5.1.3 How to Set Targets:
5.1.4 Setting Targets at the level of individual and establishment:
2. To set targets that are achievable in agreement with the line manager.
5.2 Targets That Are Achievable in Agreement with the Line manager:
5.2.1 Setting achievable targets:
5.2.2 360-degree Performance Appraisal:
3. To know how to measure performance using the employee record and balanced score card.
5.3 Performance Measurement using the Employee Record and Balanced Score Card:
5.3.1 Maintain Employee Performance Records in Accor dance with FI Processes:
5.3.2 Concept of Performance Record:
5.3.3 Sources of Job Performance Assessment:
5.3.4 Elements of Performance Record:
5.3.5 Balanced Score Card (BSC) and Performance
Item Title Section
4
5
6
7
Section 4
Section 5
Section 6
Section 7 4. To classify activities according to the objective performance
targets pri-orities and determination of a relative weight for each target.
5.4 Activities According to the Identified Performance Targets Priorities and Determination of a Relative Weight for Each Target:
5.4.1 Classification of Activities and Determination of a Relative Weight for Each Target.
5. To determine effective performance standards, and how to Mea- sure, Analyze and Improve it.
5.5 Effective Performance Standards and how to Measure, Analyze and Improve it:
5.5.1 Effective Performance Standards:
6. To determine priorities to be committed to by management, and how to use time and resources available to achieve required targets and stand-ards.
5.6 Priorities to Be Committed to by Management, and How to Use Time and Resources Available to Meet the Required Targets and Standards:
5.6.1 Binding to Time Dimension:
5.6.2 Considerations to Be Observed in Setting Targets:
5.6.3 Target Classifications:
5.6.4 Relationship between Targets and Motivation:
7. To be familiar with Code of Ethics and Professional Conduct in FIs.
5.7 Code of Ethics and Professional Conduct in FIs:
5.7.1 Introduction 5.7.2 Definitions:
5.7.3 Code of Ethics and Professional Conduct
5.7.4 Consequences of Non-Compliance with the Code of Ethics and Professional Conduct: