Table of Contents
The most important tool a candidate needs for exam preparation is the exam syllabus. JAIIB is flagship course conducted by IIBF for employees of banking and finance sector. PPB (Principles and Practices of Banking) is the first paper for the JAIIB 2022 exam. The JAIIB 2022 exam has three papers: Principles and Practices of Banking (Paper 1), Accounting and Finance for Bankers (Paper 2) and Legal and Regulatory Aspects of Banking (Paper 3 ). Candidates aspiring for JAIIB 2022 exam must be updated with JAIIB PPB Syllabus along with recent amendments made by Indian Institute of Banking & Finance (IIBF). In this article, we have provided subject-wise detailed PPB (Principles and Practices of Banking) syllabus. To get detailed idea about JAIIB PPB Paper candidates should go through JAIIB PPB Syllabus. This will help them score better in the upcoming JAIIB 2022 exam.
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JAIIB Overview 2022 | |
Exam conducting Body | Indian Institute of Banking and Finance |
Exam Name | JAIIB 2022 |
Exam Level | National Level |
Mode of Exam | Online |
Type of Questions | Multiple Choice Questions |
No. of Papers | 3 Papers |
No. of Questions | 120 each paper |
Selection Process | Computer Based Test |
Official Website | www.iibf.org.in |
JAIIB Exam Pattern 2022
The JAIIB exam consists of 3 subjects which are Principles and Practice of Banking, Accounting and Finance for Bankers, Legal and Regulatory Aspects of Banking for which the exam is conducted on different dates. The key point of JAIIB exam is as follows:
- JAIIB 2022 exam will be conducted in online medium only.
- The JAIIB 2022 exam has three papers: Principles and Practices of Banking, Accounting and Finance for Bankers, Legal and Regulatory Aspects of Banking.
- Each of the three papers will have 120 multiple choice questions of 100 marks each.
- The duration of each post will be 2 hours.
- The paper will be bilingual i.e. in both English and Hindi.
- There is no negative marking in JAIIB 2022 exam.
- Candidates must secure at least 45% marks in each subject and 50% marks in aggregate in a single attempt to qualify
- Candidates must pass this exam in 4 consecutive attempts within 2 years of registering for the JAIIB exam
- If you cannot qualify within this 2-year time limit, you must reapply
- The period of 2 years will start from the date of application for the first attempt to appear for the JAIIB examination.
Papers | No. of Questions | Total Marks | Duration |
Principles and Practices of Banking | 120 | 100 | 2 hours |
Accounting and Finance for Bankers | 120 | 100 | 2 hours |
Legal and Regulatory Aspects of Banking | 120 | 100 | 2 hours |
JAIIB 2022 SyllabusÂ
1: What does the acronym "ATM" stand for in banking?
The JAIIB exam consists of 3 papers i.e. Principles and Practices of Banking, Accounting and Finance for Bankers and Legal and Regulatory Aspects of Banking. Each post is divided into modules. Candidates preparing for JAIIB must prepare all the topics mentioned in the syllabus issued by Indian Institute of Banking and Finance. The detailed syllabus of all subjects is given below:
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PAPER 1 – Principles & Practices of Banking
The paper-I consists of five Modules, these five Modules are Provided below:
- Module A- Indian Financial System
- Module B- Functions of banks
- Module C- Banking Technology
- Module D- Support Services – Marketing of Banking Services/ Products
- Module E- Ethics in Banks and Financial Institutions
The detailed syllabus of all the five Modules is given below:
PAPER 1 – Principles & Practices of Banking | |
Chapters | Topics |
Module A- Indian Financial System | |
Indian Financial System- An Overview |
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Banking Regulation |
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Retail Banking, Wholesale and International Banking |
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Role of Money Markets, Debt Markets & Forex Market |
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Role and Functions of Capital Markets, SEBI |
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Factoring, Forfaiting Services, and Off-Balance Sheet items |
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Risk Management, Basel Accords |
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CIBIL, Fair Practices Code for Debt Collection, BCSB |
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Recent Developments in the Financial System |
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Module B – Functions of Banks | |
Banker Customer Relationship |
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KYC/ AML/ CFT norms |
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Bankers’ Special Relationship |
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Consumer Protection – COPRA, Banking Ombudsman Scheme | Operational Aspects of COPRA Act & Banking Ombudsman Scheme |
Payment and Collection of Cheques and Other Negotiable Instruments |
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Opening accounts of various types of customers |
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Ancillary Services |
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Cash Operations | Â Cash Management Services and its Importance |
 Principles of Lending, Working Capital Assessment and Credit Monitoring |
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 Priority Sector Advances |
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 Agricultural Finance |
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 Micro, Small, and Medium Enterprises |
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Government Sponsored Schemes | Â SGSY, SJSRY, PMRY, SLRS |
 Self Help Groups |
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 Cards, Home Loans, Personal Loans, Consumer Loans |
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Documentation |
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Different Modes of Charging Securities |
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Types of collaterals and their characteristics |
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Non-Performing Assets |
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Financial Literacy |
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Module C – Banking Technology | |
Essentials of Bank Computerization |
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Payment Systems and Electronic Banking |
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Data Communication Network and EFT systems |
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Role of Technology Upgradation and its impact on Banks |
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Security Considerations |
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Overview of IT Act | Gopalakrishna Committee Recommendations |
Preventive Vigilance in Electronic Banking |
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Module D – Support Services- Marketing of Banking Services/ Products | |
Marketing – An Introduction |
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Social Marketing/ Networking | Evolution, Importance & Relevance of Social Marketing/ Networking |
Consumer Behavior and Product |
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Pricing |
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Distribution |
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Channel Management | Meaning, Levels, Dynamics, Advantages |
Promotion | Role of Promotion in Marketing; Promotion Mix |
Role of Direct Selling Agent/ Direct Marketing Agent in a bank |
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Marketing Information Systems – a longitudinal analysis |
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Module E – Ethics in Banks and Financial Institutions | |
Ethics, Business Ethics & Banking: An Integrated Perspective |
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Ethics at the Individual Level |
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Ethical Dimensions: Employees |
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Work Ethics and the Workplace |
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Banking Ethics: Changing Dynamics |
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PAPER 2 – Accounting and Finance for Bankers
Paper-2 consists of four Modules, these four Modules are as follows:
- Module A- Business Mathematics and Finance
- Module B- Principles of Bookkeeping and Accounting
- Module C- Final Accounts
- Module D- Banking Operations
the detailed syllabus of all the four Modules of Paper-2 is mentioned below:
PAPER 2 – Accounting and Finance for Bankers | |
Subjects | Topics |
Module A- Business Mathematics and Finance | |
Calculation of Interest and Annuities |
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Calculation of YTM |
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Capital Budgeting |
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Depreciation and its Accounting |
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Foreign Exchange Arithmetic |
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Module B – Principles of Bookkeeping and Accounting | |
Definition, Scope, and Accounting Standards |
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Basic Accountancy Procedures |
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Maintenance of Cash/ Subsidiary Books and Ledger |
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Bank Reconciliation Statement |
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Trial Balance, Rectification of Errors, and Adjusting & Closing Entries |
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Capital and Revenue Expenditure |
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Bills of Exchange |
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Module C – Final Accounts | |
Balance Sheet Equation |
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Preparation of Final Accounts |
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Ratio Analysis |
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Final Accounts of Banking Companies |
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Company Accounts I & II |
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Accounting in a Computerized Environment |
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Module D – Banking Operations | |
Banking Operations & Accounting Functions |
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PAPER 3 – Legal and Regulatory Aspects of Banking
The paper-3, Legal and Regulatory Aspects of Banking consists of four Modules, these Modules are as follows:
- Module A-Regulations and Compliance
- Module B- Legal Aspects of Banking and Operations
- Module C- Banking Related Laws
- Module D- Commercial Laws with respect to Baking Operations
The detailed syllabus of all four Modules is given below:
PAPER 3 – Legal and Regulatory Aspects of Banking | |
Subjects | Topics |
Module A-Regulations and Compliance | |
Legal Framework of Regulation of Banks |
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Control over Organization of Banks |
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Regulation of Banking Business |
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Returns Inspection, Winding up, Mergers & Acquisitions |
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Public Sector Banks and Co-operative Banks |
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Financial Sector Legislative Reforms | Need, Approach for Financial Sector Legislative Reforms; Important Reforms |
Recent Legislative Changes in RBI Act | Recent Legislative Changes in RBI Act, Need thereof |
Financial Sector Development Council | Role and Functions of Financial Sector Development Council |
Module B- Legal Aspects of Banking and Operations | |
Different Types of Borrowers | Types of Borrowers; Limited Liability Partnership |
Types of Credit Facilities |
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Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies |
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Indemnities |
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Bank Guarantees |
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Letters of Credit |
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Deferred Payment Guarantees | Purpose of DPGs; Methods of Payment |
Laws Relating to Bill Finance |
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Various Types of Securities | Types of Securities; Escrow Arrangements; Trust and Retention Arrangements |
Laws Relating to Securities and Modes of Charging – I | Mortgage; Types of Mortgage; Enforcement of Mortgages |
Laws Relating to Securities and Modes of Charging – II | Lien; Pledge; Hypothecation; etc. |
Registration and Satisfaction of Charges |
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Case Laws on Responsibility of Paying Bank |
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Case Laws on Responsibility of Collecting Bank | Statutory protection to Collecting Bank; Duties of Collecting Bank |
Module C – Banking Related Laws | |
Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act) | Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process |
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI) |
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Banking Ombudsmen Scheme | Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance |
Bankers Books Evidence Act, 1891 | Applicability; Definition; Important Provisions |
The Legal Services Authorities Act, 1987 | Lok Adalats- Organization; Jurisdiction; Disposal of Cases, Awards |
The Consumer Protection Act, 1986 and CERSAI |
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The Law of Limitation |
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Tax Laws |
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Negotiable Instruments Act, 1881 | Applicability; Definition; Important Provisions |
Payment & Settlements Systems Act, 2007 | Applicability; Definition; Important Provisions |
Module D – Commercial Laws with Reference to Banking Operations | |
Indian Contract Act, 1872 |
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The Sale of Goods Act, 1930 |
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Indian Partnership Act, 1932 |
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Definition and features of a company | Distinction between Company and Partnership |
The Companies Act, 1956 (Now Companies Act, 2013) |
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Foreign Exchange Management Act, 1999 |
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Transfer of Property Act, 1882 |
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The Right to Information Act, 2005 | Applicability; Definition; Important Provisions |
Right to Information and Obligation of Public Authorities | Obligations; Procedure; Disposal; Appeal; Orders; Penalties |
The Prevention of Money Laundering Act, 2002 |
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Information Technology Act, 2000 |
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JAIIB Syllabus PDF Download
JAIIB Marking Scheme
JAIIB Exam Pattern will provide a live view of the exam, note down the exam topics and mark the essential subjects of the exam. The marking scheme of JAIIB exam is a bit different from other banking exams. Check the marking scheme details below.
- There is no negative marking for wrong answers,
- Candidates must obtain 50% marks in each paper.
- If candidates secure at least 45% marks in each subject and 50% marks in aggregate in a single attempt, they will be declared qualified for the examination.
- Each paper consists of 100 points.
JAIIB Passing Criteria
Candidates must note the time limit condition set by IIBF for JAIIB examination. You can get complete exam details to move ahead in the selection process. Candidates must clear the JAIIB exam within the stipulated time. Terms and conditions are listed below.
- Applicants must pass the exam within 2 years (consecutive attempts).
- The period begins to run from the date of submission of the application. Attempts will count whether you attempt or miss the exam.
- Candidates who are unable to take the exam within the given time limit must apply again.
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