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JAIIB PPB Updated Syllabus PDF & Exam Pattern 2022

JAIIB PPB Syllabus 2022: Candidates preparing for JAIIB Exam must be updated with the JAIIB PPB Syllabus and Exam Pattern 2022.  JAIIB is a flagship course conducted by the Indian Institute of Banking and Finance(IIBF) for banking and financial sector employees. JAIIB Exam 2022 has three papers: Principles and Practices of Banking(Paper 1), Accounting and Finance for Bankers(Paper 2), and Legal & Regulatory Aspects of Banking(Paper 3). Recently IIBF made additions to the JAIIB PPB Syllabus 2022 of which the aspirants must be aware. In this article, we have provided the topic-wise detailed updated syllabus of PPB along with the exam pattern.

JAIIB Exam Pattern 2022

JAIIB( Junior Associate of Indian Institute of Bankers) is one of the flagship courses conducted by the Indian Institute Of Banking And Finance(IIBF). IIBF provides the exam pattern for JAIIB. JAIIB Exam Date for the November 2022 session is out and it is scheduled to be on the 12th, 13th, and 20th of November 2022. The main highlights of the JAIIB Exam 2022 are as given below:

  • The JAIIB Exam 2022 will be conducted in Online Medium only.
  • JAIIB Exam 2022 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 be having 120 multiple choice questions of 100 marks.
  • The time duration allotted to complete each paper will be 2 hours.
  • The exam paper will be bilingual i.e. both in English and Hindi Language.
  • There is no negative marking in the JAIIB Exam 2022.
  • Candidates need to score at least 45% marks in each subject and 50% marks in aggregate in a single attempt to qualify
  • Candidates need to pass this exam in 4 consecutive attempts within 2 years after doing registration for the JAIIB exam
  • If you are unable to qualify within this 2-year time limit then you have to re-enroll yourself
  • The time limit of 2 years will begin from the date of application for the first attempt to appear for the JAIIB Exam.
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 PPB Syllabus 2022 Exam, Topic-Wise Detailed Syllabus

Candidates preparing for the JAIIB 2022 Exam need to have a clear idea of the topic wise detailed syllabus of all the papers of JAIIB. In this particular article we have provided the PDFs of all the additions to the JAIIB PPB Syllabus and have discussed in detail the syllabus of Principles and Practices of Banking(PPB) along with all their five modules. Aspirants should thoroughly go through the syllabus so that they can make their own preparation strategy. A candidate need to focus on all the important topics of the modules that we have mentioned below.

 Topic  Download PDF
RBI Notifications July’21 to Dec’21 Download Link
Subject Updates- January to June 2021 Download Link
Corrigendum JAIIB Paper 1 Principles & Practices of Banking Download Link

Module A: Indian Financial System

The first module of Principles and Practices of Banking (PPB) Paper is the Indian Financial System. The important units and their topics that a candidate has to cover for JAIIB 2022 Exam are provided below.

  • Indian Financial System – Overview: Role of the Reserve Bank of India, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity and Debt Market; IRDA.
  • Banking Regulation- Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending
  • Role Of Money Markets, Debt Markets and Forex Market – Types of Money and Debt Market Instruments including G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.
  • Mutual Funds and Insurance Companies, Bancassurance and IRDA: Types of Mutual Funds, its Management and its role; Role and Functions of Insurance Companies; Bancassurance; IRDA
  • Factoring, Forfaiting Services and Off-Balance Sheet items- Types and advantages of Factoring and forfeiting services; Types of off-balance sheet items
  • Role and Functions of Capital Markets, SEBI – Overview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products or Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc.; QIBs
  • CIBIL, Fair Practices Code for Debt  collection, BCSBI– Role and Functions of CIBIL; Fair Practices Code for Debt Collection; Codes of BCSBI
  • Recent Developments in the Financial System– Structure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement System.
  • Risk Management, Basel Accords-Introduction to Risk Management; Basel I, II & III Accords

Module B: Functions of Banks

Second Module of PPB Paper is Function of Banks. A banking employee must be well aware of the main function of Banks so this topic will be easier for them. Still they should go through the important units:

  • Banker Customer Relationship: Types; Different Deposit Products & Services; Services to Customers & Investors
  • Bankers’ Special Relationship: Mandate; POA; Garnishee Orders; Banker’s Lien; Right of Set-off
  • Consumer Protection – COPRA, Banking Ombudsman Scheme :Operational Aspects of COPRA Act and Banking Ombudsman Scheme
  • KYC/ AML / CFT norms: PMLA Act; KYC Norms
  • Opening accounts of various types of customers–  Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhar, SB Rate Deregulation
  • Cash Operations: Cash Management Services and its Importance
  • Payment and Collection of Cheques and Other Negotiable Instruments– NI Act; Role and Duties of Paying and Collecting Banks; Endorsements; Forged Instruments; Bouncing of Cheques; Its Implications; Return of Cheques; Cheque Truncation System
  • Ancillary Services– Remittances; Safe Deposit Lockers; Government Business; EBT
  • Micro, Small and Medium Enterprises– MSMED Act, 2006 Policy Package for MSMEs; Performance and Credit Rating Scheme; Latest Developments
  • Principles of lending, Working Capital  Assessment and Credit Monitoring: Cardinal Principles; Non-fund Based Limits; WC; Term Loans; Credit Appraisal Techniques; Sources of WC Funds and its Estimation; Operating Cycle; Projected Net WC; Turnover Method; Cash Budget; Credit Monitoring and Its Management; Base Rate
  • Agricultural Finance– Types of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc.)
  • Priority Sector Advances– Targets; Sub-Targets; Recent Developments
  • Self Help Groups– Need for and Functions of Self Help Groups; Role of NGOs in Indirect Finance to SHGs; SHGs and SGSY Scheme; Capacity Building
  • Government Sponsored Schemes– SGSY; SJSRY; PMRY; SLRS
  • Different Modes of Charging Securities– Assignment; Lien; Set-off; Hypothecation; Pledge; Mortgage
  • Documentation– Types of Documents; Procedure; Stamping; Securitization
  • Types of collaterals and their characteristics– Land and Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.; Supply Bills
  • Credit Cards, Home Loans, Personal Loans, Consumer Loans– Operational Aspects, Advantages, Disadvantages and Guidelines of Credit Cards; Procedure and Practices for Home Loans, Personal Loans and Consumer Loans
  • Non Performing Assets– Definition; Income Recognition; Asset Classification; Provisioning Norms; CDR
  • Financial Literacy– Importance of financial literacy, customer awareness
  • Financial Inclusion– BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, R SETI

JAIIB PPB Syllabus 2022: Download PDF

Module C: Banking Technology

Technology has taken part in all the activities of our life. Banking has seen the biggest reform because of the involvement of Technology. Banking Technology is the third module whose all important units and their respective topics are provided below.

  • Essentials of Bank Computerization– Computer Systems; LANs; WANs; UPS; Core Banking
  • Data Communication Network and EFT systems– Components and Modes of Transmission; Major Networks in India; Emerging Trends in Communication Networks for Banking; Evolution of EFT System; SWIFT; Automated Clearing Systems; Funds Transfer Systems; Recent Developments in India
  • Role of Technology Upgradation and its impact on Banks– Trends in Technology Developments; Role and Uses of Technology Upgradation; Global Trends; Impact of IT on Banks
  • Payment Systems and Electronic Banking– ATMs; HWAK; PIN; Electromagnetic Cards; Electronic Banking; Signature Storage and Retrieval System; CTS; Note and Coin Counting Machines; Microfiche; NPC;  RUPAY
  • Preventive Vigilance in Electronic Banking– Phishing; Customer Education; Safety Checks; Precautions
  • Security Considerations– Risk Concern Areas; Types of Threats; Control Mechanism; Computer Audit; IS Security; IS Audit; Evaluation Requirements
  • Overview of IT Act– Gopalakrishna Committee Recommendations

Module D: Support Services- Marketing of Banking Services or Products

The fourth module of the Principles and Practices of Banking(PPB) Paper is Support Services- Marketing of Banking Services or Products. The important chapters along with their important topics that a candidate has to cover are given below.

  • Marketing – An Introduction: Concept; Management; Products and Services; Marketing Mix; Brand Image
  • Consumer Behavior and Product– Consumer Behavior; Product Planning, Development, Strategies, etc.; CRM
  • Social Marketing or Networking– Evolution, Importance and Relevance of Social Marketing or Networking
  • Pricing– Importance, Objectives, Factors, Methods, Strategies of Pricing; Bank Pricing
  • Distribution– Distribution Channels; Channels for Banking Services; Net Banking; Mobile Banking
  • Channel Management– Meaning, Levels, Dynamics, Advantages
  • Promotion– Role of Promotion in Marketing; Promotion Mix
  • Marketing Information Systems – a longitudinal analysis: Functions and Components of MKIS; MKIS Model; Use of Computers and Decision Models; Performance of MKIS; Advantages
  • Role of Direct Selling Agent or Direct Marketing Agent in a bank: Definition; Relevance; Banker as DSA or DMA; Delivery Channels in Banks; Benefits

Module E:  Ethics in Bank and Financial Institutions

Ethics in Bank  is the most important aspect of any institution which each and every employee needs to follow. The fifth module of PPB Paper deals with the ethics in bank and financial Institution. Their important topics are:

  • Ethics, Business Ethics and Banking, An  integrated Perspective: Business Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts
  • Ethical Dimensions, Employees: Obligation to Bank or Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors and Managers as Ethical Leaders
  • Ethics at the Individual Level: Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making
  • Banking Ethics, Changing Dynamics: Ethics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents and Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management
  • Work Ethics and the Workplace: Work Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India

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FAQs: JAIIB PPB Syllabus 2022

Q.1 How many modules are there in PPB Paper for JAIIB 2022 Exam?

Ans. There are five modules in the PPB Paper for JAIIB 2022 Exam.

Q.2 Where can we get the detailed syllabus of Principles and Practices of Banking (PPB) for JAIIB 2022  Exam?

Ans. The detailed Syllabus of Principles and Practices of Banking(PPB) Paper for JAIIB 2022 Exam is discussed in the article.

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