JAIIB PPB Syllabus & Exam Pattern 2026, Important Chapters & Study Plan

B. Functions of Banks.

C. Banking Technology.

D. Ethics in Banks and Financial Institutions

• Requirements to be Called a Bank
• Banker-Customer Relationship
• Bank as a Trustee
• Bailee-Bailor Relationship
• Agent-Principal Relationship
• Lessor and Lessee
• Indemnifier and Indemnified
• Different Deposit Products or Services
• Services to Customers and Investors

• Money Laundering & Financing of Terrorism Risks
• AML (Anti Money Laundering)
• Know Your Customer Policy (KYC)
• Organisational Set-up for AML
• Obligations under PMLA
• Risk Management
• International Obligations
• FATF Identified Jurisdictions
• Correspondent Banks
• Reporting Under FATCA/CRS
• Reporting Obligations
• Implications of Non-compliance of PMLA Obligations
• Secrecy Obligations

• (KYC) Norms
• Wire Transfers
• Other Operations Regulations
• Central KYC Records Registry (CKYCR)
• Monitoring of Transactions

• Personal Accounts
• Accounts of Other Customers
• Norms for Opening Current Accounts
• Obtaining Photographs of Account Holders
• Legal Entity Identifier(LEI)

• Salient Feature of Deposit Accounts
• Interest on Deposit Accounts
• Prohibitions & Exemptions
• Inoperative Accounts & Unclaimed Deposits
• Joint Accounts Operations
• Nomination Facility
• Attachment Orders
• Submission of Records to Statutory Authorities

• Cheque Truncation System (CTS)
• RBI Guidelines on Collection of Instruments
• Cash Handling and its Custody
• Security Arrangements at Branches and ATMs

• Mandate – Definition
• Power of Attorney (POA) – Definition
• Banker’s Lien
• Right of Set-off
• Right of Appropriation

• Evolution of Foreign Exchange Management Act
• Definitions
• Bringing in and Taking out Foreign Exchange
• Inward Remittances
• Outward Remittances
• Indo-Nepal Remittance Scheme

• Accounts Permitted for NRIs and PIOs
• Accounts of Foreign nationals visiting India
• Special Non-Resident Rupee Account (SNRR) Account
• Remittance of Assets
• Property Transactions by NRIs
• Investments by NRIs/PIOs

• Types of Foreign Currency Accounts
• Foreign Currency Accounts in India
• Accounts Outside India
• Remittance of Assets by Foreign Nationals
• Foreign Contribution (Regulation) Act 2010

• Developments in Cash Management Services
•  Importance of CMS
• Types of Cash Management Services
• Challenges and Issues

• Negotiable Instruments Act
• Payment of a Cheque
• Payment in due course
• Endorsement of Cheques
• Crossing of Cheques
• Forged Instruments
• Dishonour of Cheques
• Cheque Truncation System

• Liability under Negotiable Instruments
• Forged Signature
• Payment in Due Course
• Payment in Good Faith
• Payment under Mistake
• Cheque Truncation

• Statutory Protection to Collecting Bank
• Duties of the Collecting Bank

• Demand Drafts (DD) and Banker’s Cheques (BC)
• Mail Transfer (MT), Telegraphic Transfer (TT)
• National Electronic Funds Transfer System (NEFT)
• Real Time Gross Settlement System (RTGS)
• Electronic Benefit Transfer (EBT)
• Mobile and Digital Banking
• Safe Deposit Lockers
• Merchant Banking
• Government Business

• Extension of Banking Services
• Use of Digital Tools
• Financial Literacy Initiatives
• Rural Self Employment Training Institutes (RSETI)

• Customer Service in Banks
• Branch Management Policies
• ATM Operations
• Security Issues and Risk Mitigation
• Counter Services
• Special Customer Facilities

• Model Policy on Grievance Redressal Policy
• The RBI Integrated Ombudsman Scheme 2021
• Consumer Protection Act 2019
• Right to Information 2005

• Principles of Lending
• Types of Borrowers
• Types of Credit Facilities
• Fund Based Working Capital Facilities
• Term Loans and Demand Loans
• Non Fund Based Facilities
• Other Credit Facilities

• Credit Appraisal
• Credit Appraisal Techniques
• Methods of Loan Assessment
• Assessment of Working Capital
• Assessment of Term Loans

• Interest Rates on Loans
• Credit Management and Monitoring
• Common Operational Terms in Loans
• Loan Processing and Sanction Procedure
• Accounting Aspects of Loan Products
• Operating Instructions on Loans and Advances
• Recovery Agents Guidelines
• Fair Practices Code for Lenders

• Effectiveness of Securities
• Secured and Unsecured Loans
• Land and Buildings
• Goods and Documents of Title
• Advances Against Life Insurance Policies
• Advances Against Shares and Debentures
• Loans Against Book Debts and Term Deposits
• Gold Loans
• Supply Bills and Vehicle Finance

• Meaning and Essentials of a Contract
• Contract of Agency
• Contract of Bailment
• Types of Charges
• Registration of Charges
• Modes of Charging Securities

• Type of Loan Documents
• Documentation Procedure

• Definition of NPAS
• Income Recognition Norms
• Gross and Net Advances
• Gross NPA and Net NPA
• Asset Classification
• Provisioning Norms
• Writing Off NPAS
• Resolution of Stressed Assets
• Restructuring Norms

• Recovery of Debts and Bankruptcy Act, 1993
• SARFAESI Act
• Insolvency and Bankruptcy Code (IBC)
• Legal Services Authorities Act
• Law of Limitation

Contracts of

Indemnity

• Definition of Contract of Indemnity
• Difference Between Indemnity and Guarantee
• Rights of Indemnity Holder
• Implied Indemnity
• Enforceability of Indemnity Contracts
• Application of Indemnity in Banking

• Parties to the Contract
• Liability of Surety
• Continuing Guarantee
• Revocation of Guarantee
• Discharge of Surety
• Rights of Surety
• Types of Bank Guarantees
• Banker’s Obligation to Honour Guarantees
• Precautions in Issuance and Payment

• Meaning of Letters if Credit
• Parties to an LC
• Types of Letters of Credit
• Documents under LC
• Uniform Customs and Practice for Documentary Credit (UCPDC 600)
• Banks Obligation Under LC

• Purpose of Deferred Payment Guarantee
• Method of Payment

• Classes of Bills
• Laws Governing Bills
• Types of Bill Finance
• Legal Position of Banker in Bill Finance

• Credit Cards
• Cards
• Home Loans
• Personal Loans
• Consumer Loans

• Applicability of Priority Sector Lending
• Targets and Sub-Targets
• Categories under Priority Sector
• Non-Achievement of Targets
• Guidelines for Priority Sector Loans

• Short-Term and Long-Term Loans
• Crop Loans
• Kisan Credit Card (C) Scheme
• Agricultural Activities nancing
• Minimum Support Pri Scheme
• Pradhan Mantri Fasal Bima Yojana (PMFBY)

• Bank Finance to NBFCS
• On-Lending by NBFCs
• NBFC-MFI Model
• Co-Lending to Priority Sector
• Scale-Based Regulation (XR) Framework

• MSME Development Act
• Credit Support to MSMES
• Delayed Payent Provisions
• Trade Receiv. les Discounting System (TREDS)
• Credit Guarantee Fund Scheme
• Cluster-Based Financing

• Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)
• Deendayal Antyodaya Yojana – National Urban Livelihoods Mission (DAY-NULM)
• Pradhan Mantri Jan Dhan Yojana (PMJDY)
• MUDRA Loans
• Khadi and Village Industries Commission (KVIC)

• Definition and Need of SHGS
• Formation of SHGS
• SHGS under DAY NREM DAY-NILM
• SHG-Bank Linkage Programme

• Bank Computerisation
• Networking Technologies In Bank
• Uninterrupted Power System (UPS)
• Core Banking System (CBS)
• Data Warehousing
• Data Mining

• Functions performed by CBS
• Flow of Transactions in CBS
• Accounting of Transactions in CBS
• Begin of Day (BOD) Operations
• End of Day (EOD) Operations
• Password Control
• Parameter and Master file Maintenance
• Logical Access Control
• Security Control in CBS
• Role and Responsibilities of Banks under CBS

• Alternate Delivery Channels
• Automated Teller Machines (ATMs)
• Electromagnetic Cards
• Electronic Banking
• Customer Protection in Unauthorized Electronic Transactions
• Turn Around Time (TAT) Harmonization
• Customer Compensation for Failed Transactions

• Data Communication Networks
• Network Scenario in India- Major Networks
• Emerging Trends in Banking Communication
• Evolution of Electronics Funds Transfer (EFT) System
• SWIFT- Structured Financial Messaging
• Automated Cleaning System
• Two Level Funds Transfer System
• Emergence of Electronics Payments System in India

• Electronic Clearing System in India
• National Payments Corporation of India (NPCI)
• Digital Payment Initiatives by Government of India

• Trends in Technology Development
• Role of Technology Upgradation
• Global Trends in Banking System
• Impact of Information Technology on Banks
• Emerging Technology Trends in Banking

• Risk Concern Areas in Banks
• Types of Cyber Threats
• Control Mechanism
• Computer Audit
• Information System Audit (IS Audit)
• Information System Security (IS Security)
• Online Fraud Modus Operation
• Cyber Security Awareness
• IT Resource Evaluation
• Disaster Recovery Management Objectives
• Information Technology Act
• G. Gopalakrishnan Committee Report
• Cyber Security Framework in Banks
• RBI Integrated Ombudsman Scheme, 2021

• Difference Between Fraud and Crime
• Phases of an Effective Incident Response Plan

• e-RUPI
• Fin Tech
• Reg Tech
• Sup Tech

• e-RUPI
• FinTech/RegTech/SupTech
• Social Media Banking
• Hashtag Banking
• Account Aggregators
• Open Banking

• Values and Ethics
• Ethics and Business Values
• Business Ethic Definition, Principles and Practice
• An Ethical Crisis: Is Business Ethics an Oxymoron?
• Ethical Foundation of Banking: Finance Depends on Trust
• Ethical Foundation of Being a Professional
• Banking Ethics in Global Context: Enron and Its Lesson
• Global Financial Crisis
• Ethics in Indian Context: Satyam and Its Lessons
• An Indian Bank Case Study

• Values, Norms, Beliefs and Their Role
• Core Values: The Value of a Value
• Morality and Personal Values
• Value – Conflicts: How Should I Live?
• Personal Ethics and Business Ethics: Individual Integrity and Responsibility
• The Golden Rule
• Understanding Right and Wrong: Doing the Right Thing
• Ethical Reasoning and Real-World Application
• Ethical Dilemmas: Resolving Ethical Dilemmas
• A Framework of Ethical Decision-Making

• Abuse of Official Position: Insider Trading, Proprietary Data, Bribes, etc.
• Obligations to Third Parties
• Job Discrimination
• Sexual Harassment
• Managing Conflict of Interests
• Fair Accounting Practices: Related Party Transactions
• HRM Ethics
• Principles of Representation and Work Environment
• Employees as Ethics Ambassadors & Managers as Ethical Leaders

• What Is Work Ethics? Something Bigger Than the Self
• Ethical Behaviour at The Workplace. Benefits
• Recognising Ethical Workplaces
• Unethical Behaviours: Causes and Remedies
• Conducting Personal Business During Office Time
• Taking Credit for Others’ Work
• Ethical Lapses and Organizational Culture
• Ethics of a Banker
• Whistleblowing in Banks
• Whistleblowing Law in India

• Ethics and Technology
• Data Security and Privacy
• Intellectual Property Rights
• Patents and Proprietary Rights
• Ethics of Information Security