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Published Workbooks

The Institute has produced nine “Bankers Workbooks”. These are study manuals intended to enable candidates preparing for the Institute’s examinations to have the relevant study material for their programmes of study.

The following workbooks are ready for use and are available for sale at a reasonable and affordable price.

•

Banking Certificate

Title	Price per copy (Tzs.)
(i) Banking Operations	10,000
(ii) Principles of Economics	10,000
(iii) Accountancy I	10,000

•

Banking Diploma

Title	Price per copy (Tzs.)
(i) Law Relating to Banking	10,000
(ii) International Trade Finance	10,000
(iii) Strategic Marketing Management	10,000
(iv) The Monetary and Financial System	10,000
(v) Accountancy II	15,000
(vi) Management and Organisation	15,000

The Contents of these workbooks are as follows:

• Banking Certificate

(i) Banking Operations

Introduction
Module 1:	Introduction to Banking Operations
Unit 1	The Business of Banking.
Unit 2	Other Banking Services.

Module 2:	Lending
Unit 3	The Lending Environment in Tanzania.
Unit 4	Credit/Loan Evaluation.
Unit 5	Documentation Process for Lending Propositions.
Unit 6	Types of Borrowers.
Unit 7	Types of Credit Facilities.
Unit 8	Lending to Personal Customers.
Unit 9	Lending to Business Customers.
Unit 10	Lending to New Businesses
Unit 11	Appraisal of Financial Information for Business Borrowing Customers.
Unit 12	General Principles of Security.
Unit 13	Features/Attributes of a Good Security.
Unit 14	Types of Security Acceptable to Lending Bankers.

Module 3:	International Business Operations
Unit 15	Introduction to International Trade.
Unit 16	Terms of Payments.
Unit 17	Correspondent Banking.
Unit 18	International Transfer of Funds.
Unit 19	Rates of Exchange.
Unit 20	Specialist International Trade Services.

Module 4:	Business Calculations
Unit 21	Introduction to Business Calculations.
Unit 22	Percentages, Proportions and Ratios.
Unit 23	Interest and Present Values.
Unit 24	Basic Statistics.

Appendix 1	(Suggested solutions to self assessment questions).
Appendix 2	(Suggested solutions to past examination and proto type questions).
Appendix 3	(Mock examination).
Appendix 4	(Suggested solutions to mock examination).
Appendix 5	(Bibliography).

(ii) Principles of EconomicsIntroduction

Introduction
Unit 1	Price Theory 1
Unit 2	Price Theory 2
Unit 3	Unit 3 Elasticity
Unit 4	Costs of the Firm.
Unit 5	Market Structure and the Banking Sector.
Unit 6	National Income.
Unit 7	Inflation and Unemployment.
Unit 8	Financial Structure.
Unit 9	Money and Interest Rates.
Unit 10	Commercial Banking and Credit Creation.
Unit 11	Central Banking and Monetary Policy.
Unit 12	International Trade and Balance of Payments.
Unit 13	Foreign Exchange.
Unit 14	Governments, The Economy and Banks.

Appendix 1	Solutions to Self-Assessment Questions.
Appendix 2	Solutions to Specimen Examination Questions.
Appendix 3	Mock Examination and Suggested Solutions. Principles of Economics Edited Solutions.

(iii) Accountancy I

Unit 1	Introduction, definition accounting concepts and users of accounting information.
Unit 2	Accounting Records.
Unit 3	Balancing Ledger Accounts and Extracting a Trial Balance.
Unit 4	Year End Adjustments.
Unit 5	Financial Statements.
Unit 6	Asset Valuation.
Unit 7	Accounting for Cash and Banking Transactions.
Unit 8	Manufacturing Accounts.
Unit 9	Partnership Accounts.
Unit 10	Limited Companies Accounts.
Unit 11	Companies Published Accounts.
Unit 12	Specific Accounting Requirements of Banks and Financial Institutions.
Unit 13	Introduction to Cost Accounting for Decision Making.
Unit 14	Performance Assessment.
Unit 15	Mock Examination.

Appendices:	Past Examination Papers.

• Banking Diploma

(i)

Law Relating to Banking

Introduction
List of Cases
List of Abbreviations
List of Statutes

UNIT 1	DEFINITION OF BANKER
	Introduction
	Definition of Banker
	Institutions Resembling Banks
	Summary of Unit 1
	Self Test Questions

UNIT 2	THE CUSTOMER OF THE BANK AND TYPES OF CUSTOMERS
	Introduction
	Definition of Customer
	Who may be Customer?
	Non-Account Customer
	Summary of Unit 2
	Self Test Questions
	Past Examination Question

UNIT 3	THE LEGAL RELATIONSHIP BETWEEN BANKER AND CUSTOMER
	Introduction
	The Contract between Banker and Customer
	Bank as agent?
	Bank as bailee?
	Bankers as Mortgagee of Customer?
	Banker as debtor of customer?
	Development of debtor-creditor principle
	The Rule from the Cases
	Summary of Unit 3
	Self Test Questions
	Past Examination Question

UNIT 4	THE BANKER’S OBLIGATION TO CUSTOMER
	Introduction
	Obligations
	The Obligations to pay on demand
	The duty of secrecy
	The duty to take care
	The duty to obey customer’s instructions
	Summary of Unit 4
	Self Test Questions
	Past Examination Question

UNIT 5	CUSTOMER’S DUTY TO BANKER
	Introduction
	The Duties
	Duty to draw cheques carefully
	Duty to disclose forgeries
	Duty to keep cheque books in safe place
	Duty to inform Banker on changes
	Duty to abide by banking regulations
	Duty to read statements
	Summary of Unit 5
	Self Test Questions
	Past Examination Question

UNIT 6	BANKER’S RIGHTS OVER CUSTOMER’S DEPOSITS
	Introduction
	Banker’s Rights
	The Right of combination and set-off
	The Right of Lien (Banker’s Lien)
	The Right to charge Commission
	Banker’s Right to Appropriate Money in the Account & the Rule in Clayton’s case
	Summary of Unit 6
	Self Test Questions
	Past Examination Question

UNIT 7	PAYING OF CHEQUES AND PAYMENT BY CHEQUE
	Introduction
	Definition and form of a cheque
	Importance of Certain Parts of Cheque
	Bearer and Order Cheques
	“Pay cash or order” cheques
	Blank Cheques
	Post Dated Cheque
	Payment by Cheque
	Endorsement on Cheques
	Discharge of Cheques
	Summary of Unit 7
	Self Test Questions
	Past Examination Question

UNIT 8	THE POSITION OF A PAYING BANKER
	Introduction
	Definition of Paying Banker
	Conditions for Payment
	The Protection of a Paying Bank
	Recovering Money Wrongly Paid
	Summary of Unit 8
	Self Test Questions
	Past Examination Question

UNIT 9	THE POSITION OF A COLLECTING BANKER
	Introduction
	Who is the Collecting Banker?
	Collecting for the Customer and Collecting for itself
	Duties of a Collecting Banker
	The Protection of a Collecting Banker
	The Rights of a Collecting Banker
	Summary of Unit 9
	Self Test Questions
	Past Examination Question

UNIT 10	NEGOTIABILITYOF CHEQUES AND OTHER BILLS OF EXCHANGE
	Introduction
	Meaning of Negotiability
	What cheque can be negotiable
	Negotiation of other Types of Bills of Exchange
	Dishonour for Non Acceptance
	Dishonour by Non Payment
	Liability of Parties to the Bill
	Summary of Unit 10
	Self Test Questions
	Self Test Questions
	Past Examination Question

UNIT 11	FRAUD AND FORGERY IN BANKING
	Introduction
	Fraud and Forgery Distinguished
	Extent of the Problem
	Computer Fraud
	Other Victims of Fraud
	The Effect of a Forged Signature on Instruments
	Protection of a Banker Paying a Forged Instrument
	The Role of the Criminal Law (Police)
	Summary of Unit 11
	Self Test Questions
	Past Examination Question

UNIT 12	SECURITY FOR ADVANCES: GUARANTEE AS A FORM OF SECURITY
	Introduction
	Nature of Guarantee
	Form of Guarantee
	Who May Guarantee
	Rights of Guarantor
	Discharge of a Guarantor
	Avoidance of a Guarantee
	Determination of a Guarantee
	Summary of Unit 12
	Self Test Questions
	Past Examination Question

UNIT 13	DEBENTURE AS A FORM OF SECURITY FOR AN ADVANCE
	Introduction
	Meaning of Debenture
	Types of Debenture (Charges)
	Creating a Debenture
	Realisation of a Debenture
	Some Practical Suggestions on Lending against Debentures
	Summary of Unit 13
	Self Test Questions
	Past Examination Question

UNIT 14	LAND AS SECURITY FOR AN ADVANCE (MORTGAGES)
	Introduction
	Meaning of Land
	Deciding to take a Mortgage as Security
	Steps in Creating a Mortgage
	Rights of Mortgagee (Lender)
	The rights of Mortgagor (Debtor)
	Discharge of Mortgages
	Summary of Unit 14
	Self Test Questions
	Past Examination Question

UNIT 15	MISCELLANEOUS SECURITIES FOR ADVANCES
	Introduction
	Goods as Security for an Advance
	Life Insurance Policy as Security for Advances
	Summary of Unit 15
	Self Test Questions
	Past Examination Question
APPENDIX I	THE BILL OF EXCHANGE ORDINANCE
APPENDIX II	THE CHEQUE ACT 1969
APPENDIX III	ANSWERS TO SELF TEST AND PAST EXAMINATION QUESTIONS
APPENDIX IV	SPECIMEN OF EXAMINATION PAPER
APPENDIX V	CERTIFICATE OF DEATH (SPECIMEN)
APPENDIX VI	MORTGAGE OF A RIGHT OF OCCUPANCY (SPECIMEN)
APPENDIX VII SMALL MORTGAGE OF A LEASE (SPECIMEN)
APPENDIX VIII CONTRACT OF MORTGAGE (SPECIMEN)
APPENDIX IX	GUARANTEE FORM OF A LOAN
APPENDIX X	SPECIMEN FORM OF CHATTEL MORTGAGE
APPENDIX X	I ORDINARY FORM OF DEBENTURE (SPECIMEN)

(ii) International Trade Finance

List of Appendices
List of Specimen Forms
Foreword
Introduction
Unit 1	Introduction to International Trade Finance
Unit 2	The Foreign Exchange Market
Unit 3	Rates of Exchange
Unit 4	Methods of International Settlement
Unit 5	Incoterms
Unit 6	Documents used in International Trade (Part I)
Unit 7	Documents used in International Trade (Part II)
Unit 8	Terms of Payment
Unit 9	Documentary Collections (Part I)
Unit 10	Documentary Collections (Part II)
Unit 11	Documentary Credits (Part I)
Unit 12	Documentary Credits (Part II)
Unit 13	Short Term Finance for Exporters
Unit 14	Business Travel Services
Unit 15	Export-Import Procedures and Documentation in Tanzania

(iii) Strategic Marketing Management

Introduction
Unit 1	Introduction to Marketing Management
Unit 2	Strategic Planning
Unit 3	Strategic Marketing Planning
Unit 4	Marketing Audit
Unit 5	Marketing Information and Research Systems
Unit 6	Consumer and Organizational Buying Behaviour
Unit 7	Market Segmentation, Targeting and Positioning
Unit 8