AICB-BRC Exam Information and Outline
Bank Retail Credit Practices (BRC)
Syllabus Update Checked on: November 6, 2026
AICB-BRC Exam Syllabus & Study Guide
Before you start practicing with our exam simulator, it is essential to understand the
official AICB-BRC exam objectives. This course outline serves as your roadmap.
The information below reflects the 2026 syllabus defined by
AICB.
Below are complete topics detail with latest syllabus and course outline, that will help you good knowledge about exam objectives and topics that you have to prepare. These contents are covered in questions and answers pool of exam.
- Exam Format
- 80 multiple-choice questions (60 independent, 20 scenario-based); duration 3 hours
- 1. The Retail Banking Credit Environment (6%)
- Retail lending in Malaysia, products, regulations and fintech trends
- 2. Business Development and Marketing (7%)
- 3. Loan Policy and Product Programmes (7%)
- 4. Sources of Credit Information (7%)
- Verification methods, credit reference systems, fraud prevention
- 5. Credit Evaluation and Structuring (7%)
- 5Cs and CAMPARI models; loan structuring and pricing
- 6. Credit Scoring (7%)
- Scorecard types, development, implementation and limitations
- 7. Retail Lending: Consumer Products (10%)
- Consumer credit, property financing, hire-purchase and leasing
- 8. Retail Lending: SME Products (10%)
- SME risk environment, financing facilities and credit evaluation
- 9. Loan and Security Documentation (9%)
- Letters of offer, loan agreements, land, deposits, shares and insurance as security
- Debentures, guarantees, letters of comfort and negative pledges
- 10. Loan Disbursement (8%)
- 11. Retail Credit Portfolio Monitoring (11%)
- Warning signs, fraud detection and MIS
- 12. Collections and Recovery (11%)
- Impaired loans and provisions; rescheduling and restructuring; AKPK
- Foreclosure, repossession and civil proceedings