AICB-CCR Exam Information and Outline
Certificate in Credit (CCR)
Syllabus Update Checked on: November 6, 2026
AICB-CCR Exam Syllabus & Study Guide
Before you start practicing with our exam simulator, it is essential to understand the
official AICB-CCR 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; duration 2 hours (Pearson VUE online)
- 1. The Malaysian Financial System (8%)
- Banking system, financial institutions and non-bank intermediaries
- Non-bank lenders, insurance industry and capital market institutions
- 2. Laws and Regulations in Malaysian Banking (8%)
- Laws affecting the credit function; key FSA 2013 provisions
- Central Bank guidelines on credit; Foreign Exchange Administration rules
- 3. Principles of Lending (10%)
- The credit risk process cycle; credit risk analysis and its scope
- 4. The 5Cs Credit Risk Assessment Framework (12%)
- 5. Borrowers and their Legal Status (10%)
- Bank–customer legal relationship
- Personal, business, co-operative, club/society and government borrowers
- 6. Credit Information and its Verification (13%)
- Sources, scope and quality of credit information
- Information risk, fraud implications and warning signals
- Financial information of individuals and companies; valuation reports
- 7. General Accounting Principles and Policies (13%)
- Branches of accounting, doctrines, principles and policies
- 8. Understanding Financial Statements (12%)
- Statement of financial position, comprehensive income and cash flows
- Limitations of financial statements
- 9. Quantitative Analysis of Financial Statements (14%)
- Financing needs and critical assessment of audited statements
- Ratio analysis of the balance sheet, income statement and cash flow
- Creative accounting