IBP Superior Qualification (ISQ) is the only recognized professional qualification for bankers in Pakistan, which is recognized both, locally and internationally. The Central Bank has endorsed this qualification and it is also acclaimed by the banking and financial sector as well. ISQ is a professional qualification program which is aimed at empowering the present and potential management-level bankers with the practical knowledge about the banking industry and its functions.

ISQ is a three-level, self-study program designed to equip entrants of the banking industry with necessary skills and knowledge to become well-rounded banking professionals. Unlike academic qualifications, the ISQ is both market-based and practical. Through a carefully designed course structure and subject matter, participants are able to accelerate their learning process and acquire the relevant banking knowledge of regulations, products, lending, marketing, operations and management which they would otherwise only acquire informally over an extended period in their professional banking careers.

The ISQ comprises of three stages which are Junior Associateship of IBP (JAIBP), Associateship of IBP (AIBP) and Fellowship of IBP (FIBP). The JAIBP and AIBP qualifications are both recognized by the Chartered Banker Institute (UK).

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Benefits of the ISQ program

  1. An internationally recognized qualification accredited by CBI (UK).
  2. A cross-functional knowledge base designed to educate the candidate about best practices and banking technicalities.
  3. A flexible course structure to suit both working professionals and full time students.
  4. An affordable and cost-effective qualification.
  5. Structured curriculum linked to banking practices.
  6. Cash rewards to employees from banks.
  7. Faster career growth including possible promotions.
  8. Self study module.

Teaching & Testing Methodology:

  • Learning Aids

› Self-Study Program – ISQ Handbook 2012 is available ( to download, click here ).
› Coaching classes available
› Customized Reference Books

› Syllabus Guides is available ( to download, click here )
› Mentoring, counseling and support material available

  • Testing Methodology

› Written exams

› 2-3 Hours examination for each subject

› The Assessment Scheme for each subject is available in the specific Syllabus Guides

Program Structure

ISQ allows maximum flexibility to participants to pace out and manage their studies even with their full-time professional routines. The modular multi-stage structure enables participants to select their own workload and sequence their choice of courses in order of their own interest, preferences and professional needs.

Eligibility Criteria

  • Graduate in any discipline with a minimum 2nd Division
  • Minimum 07 years of banking experience along with experience letter(s) is required

Fee Structure

  • Registration fee (one-time): PKR 15,000/-
  • Examination fee: PKR 1500/- (per course)



  • Business Communication for Financial Services
  • Introduction to Financial Systems and Banking Regulations
  • Information Technology in Financial Services
  • Branch Banking


  • Accounting for Financial Services
  • Lending: Products, Operations and Risk Management
  • Human Resource Management and Organizational Behavior
  • Economics


  • Marketing of Financial Services
  • Finance of International Trade & Related Treasury Operations
  • Management Accounting for Financial Services

Specialization Subjects (any one subject to be selected)

  • Microfinance
  • Agricultural Finance
  • Islamic Finance
  • SME Banking

All Junior Associateship of IBP (JAIBP) qualified candidates are eligible to apply in this course. The Associateship of IBP (AIBP) will be awarded to those who:

  • Have minimum 3 years of total banking experience.
  • Have a record of Continual Professional Development (CPD) through receiving or imparting training or other knowledge related activities. Minimum CPD required is 60 hours.


Core Subjects

  • Anti-Money Laundering Measures and Business Ethics
  • Corporate and Banking Law
  • Advance Risk Management
  • Financial Planning and Budgeting

Specialization Subjects (any one subject to be selected)

  • Financial Derivatives
  • Project Financing
  • Capital Markets
  • Strategic Human Resource Management
  • An Introduction to Insurance

Those who pass the five subjects and meet all the above mentioned requirements will be awarded Associateship by the Council of the Institute.


Fellowship of the Institute of Bankers Pakistan (FIBP) will be awarded by the Council to those bankers who fulfill the following criteria;

  • Bankers who have put in 20 years of banking service
  • Hold the position of Senior Executive Vice president (SEVP) / Group Head or equivalent and
  • Possess a university degree


Applicants are advised write a request to IBP in the name of the Chief Executive, with the consent of the President of the Bank he/she is currently serving.


For more details, you may also call us at (021)111–IBP–ISQ (021-111-427-477)

For details on the transition process for DAIBP Mid-stream and DAIBP Qualified candidates, please contact examination@ibp.org.pk


IBP reserves the right to make changes to the program at its discretion.

To complete the registration process, the prospective ISQ candidate must follow the below steps:

1. Fill out a Registration Form

Registration Forms are also available, free of charge at

› all IBP Offices
› all SBP Offices

2. Mail or drop off a pay order along with the registration form to any of the IBP offices in the country along with:

  • 3 Photos
  • Attested copy of CNIC
  • Attested copy of educational documents
  • Documentation Required (non-graduates): Non-graduate candidates are required to submit a letter from their Academic Institutions confirming their enrollment in the graduating program stated in their Registration Form
ISQ Enrollment Last Date of Form Acceptance:

Examinations Session

Last Date of Form Acceptance

  ISQ Exam-Winter 2018

September 17, 2018.


Fee Structure




One time registration fee

*PKR 15,000

Per subject fee

PKR 1,500





Per subject fee

PKR 1,500


* Partial reimbursement of ISQ Registration fees by leading Pakistani banks:

In order to motivate bankers to enroll, leading banks in Pakistan have decided that the increase in the ISQ Registration fees of PKR. 5,000 would be reimbursed by the banks after registration. The following banks have agreed to reimburse fees:

1. Bank Alfalah Limited

2. Faysal Bank Limited

3. Habib Bank Limited

4. Habib Metropolitan Bank Limited

5. Meezan Bank Limited

6. Soneri Bank Limited

7. Standard Chartered Bank (Pakistan) Limited

8. United Bank Limited
Reimbursement Amount: PKR. 5,000
Reimbursement Process:

  • Candidate will pay the full registration fees (PKR. 15,000) to IBP
  • IBP will process all registrations and handover the list of accepted registrations to respective banks (with unique identifier CNIC numbers) by 12th October, 2018
  • Candidates of the above mentioned banks may then approach their HR department for reimbursement of PKR. 5,000.    Candidates may contact their bank’s HR department for details regarding the reimbursement requirements.
Important Notice:
 Time Limitation policy for completion of JAIBP (Effective from Winter-2015):
  • Candidate will be given a time frame of 08 years from the date of registration to complete JAIBP.
  • If the candidate is unable to complete the JAIBP program in 08 years, all of the complete and incomplete stage(s) will be lapsed and the candidate(s) will be required to enroll in JAIBP again as a fresh candidate.
  • Candidate registered prior to Winter-2015 will be allowed 08 years from Winter-2015 to complete their JAIBP. If the candidate is unable to complete the JAIBP program by Summer-2023, all of the complete and incomplete stage(s) / part(s) will be lapsed and the candidate(s) will be required to enroll in JAIBP again as a fresh candidate.

Unfair Means/Misconduct:

A candidate’s conduct must be according to the exams rules of the institute. Non-compliance to any exam rules will lead to cancellation of the paper as per IBP examination rules for unethical practices. (Details are available in the ISQ handbook). IBP will be the sole judge regarding any foul acts committed by any candidate. In addition to the punishments prescribed in ISQ Handbook, IBP will also have the right to convey the information of punishment imposed on any candidate to his/her employer and/or State Bank of Pakistan.

ISQ List of Reference Material


In addition to the above listed material, candidates are advised to refer to State Bank of Pakistan’s Prudential Regulations in respective areas and Circulars/Notifications issued from time to time while preparing for the examinations. It is also advised to consider other related laws, rules and guidelines issued by State Bank of Pakistan while preparing. All the questions in the examinations are based on updated versions of these rules and laws.

The Institute of Bankers Pakistan is pleased to announce the results of ISQ Examinations Summer-2018 held in April, 2018. Please refer to the links below for details:

List of Qualified Candidates:

 Subject-wise Result – List of Successful Candidates:

ISQ Comprehensive Examination Result:

The Institute of Bankers Pakistan is pleased to announce the results of ISQ Comprehensive Examinations Summer-2018. Please refer to the links below for details:

List of ISQ Comprehensive Exams Qualified Candidates:

IMFD Result:

The Institute of Bankers Pakistan is pleased to announce the results of IMFD Examinations Summer-2018. Please refer to the links below for details:

List of IMFD Qualified Candidates:

List of Result for Withheld Candidates:

Marks Verification:

All the marks re-totaling request will be entertained within 15 days from the date of declaration of result, i.e. July 02, 2018.

The candidate should submit a request for re-tabulation of the result along with demand draft/pay order of Rs.500/-(per paper).


  • The Institute reserves the right to correct, modify, alter or change the results in any manner if they are found to be wrongly tabulated or compiled.
  • Typographical error, if any, will not entitle the examinee to interpret the result in his/her favor and to claim any advantage there from. The Institute reserves the right to correct such mistakes as and when they come to notice and no action shall lie against the Institute.

The Institute reserves the right to cancel the result of examinee who are found guilty or using Unfair Means in the examination detected subsequent to the announcement of their result.

The Institute is pleased to announce the comprehensive bridge exam for those candidates who have successfully completed their JAIBP program and would like to get Chartered Banker certification and become eligible for use of Associate Chartered Banker title.


  • All those who are registered in the ISQ program and have completed their Junior Associateship with IBP are eligible.
  • Those candidates who are either currently enrolled for the AIBP program or have completed the AIBP program are also eligible.

Exam Structure:

The comprehensive exam will have an objective and subjective section which will cover all the areas of the compulsory subjects of the current JAIBP curriculum. Each section will be tested separately and will span over 3 hours.  The structure is expected to be as under:


Type of Questions

# of Questions

Total Marks

Total Time

Multiple Choice Questions



3 hours

Constructed and Extended Response Questions



3 hours


Registration and Exam Schedule:

For Comprehensive Exam Form please click here.

Registration and Exam Fee:

The fee for the Comprehensive Exam will be PKR 9,000 payable to The Institute of Bankers Pakistan in the form of a pay order or demand draft.

On passing the exam, membership fee with Chartered Banker Institute (UK) as an Associate Chartered Banker will be GBP 30, payable to the Chartered Banker Institute (UK).

Syllabus Coverage:

The exam will cover the topics from the JAIBP compulsory courses.  For a summary outline on each course please click here.

For detailed course information, please refer to the course Syllabus Guide available on our website click here

Candidates are advised to study at higher cognitive levels.  The exam is expected to test deeper understanding and application levels for the syllabus identified.