AICB-COL Exam Information and Outline
Commercial Lending (COL)
Syllabus Update Checked on: November 6, 2026
AICB-COL Exam Syllabus & Study Guide
Before you start practicing with our exam simulator, it is essential to understand the
official AICB-COL 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
- Online multiple-choice examination (Pearson VUE) plus 6,000-word work-based assignment
- Passing mark: 60%
- 1. The Commercial Lending Environment
- Digitalisation and channel delivery; challenger banks
- Legal entities, specialist sectors and customer life cycle
- Reasons for borrowing and external trends; digital automation in lending
- 2. Relationship Management
- Role of the commercial lending manager
- Customer acquisition, retention and trusted-advisor value
- Stakeholder engagement, segmentation and portfolio management
- 3. Sources of Information
- Financial statements and accounting policies
- Non-financial and external information for credit assessment
- 4. Business Analysis and Financial Accounting
- Strategic analysis tools; internal and external influences
- Cash flow analysis and financial ratios
- Customers in financial difficulty
- 5. Funding Solutions
- Lending products, alternative funding and types of security
- Covenants and legal principles of the banker–customer relationship
- 6. Legislation, Regulation and Ethics
- Role of regulators, KYC, treating customers fairly
- Data protection, business lending standards, culture and conduct