JAIIB New Syllabus & Exam Pattern 2019

| Updated On September 16th, 2020 at 12:42 pm

JAIIB Syllabus

Syllabus for Paper I (Principles & Practices of Banking  )

This paper is divided into five parts.Check the detailed syllabus

About Course:

This Complete CAIIB Video Course for ABM, BFM, and Retail Banking is developed by India's Best Faculty – Mr.N.S.Toor (Exp: 25yrs+) and is regularly updated with the latest videos. This course is useful to crack CAIIB Exam.
 
Course Highlights:

  • 500+ Total Videos
  • 81 hrs

 

What is CAIIB?

  • CAIIB stands for Certified Associate of Indian Institute of Bankers.
  • It is a flagship course offered by the Indian Institute of Banking and Finance (IIBF).
  • CAIIB is attempted by Bankers/members 
  • Clearing CAIIB will earn you increments in Banks and consequently will fetch you an increased salary. In some banks even for promotion, there is some weight for CAIIB. It will enhance your knowledge which in turn will help you even in your day to day work.

 

Subject Covered 

  • ABM
  • BFM
  • Retail Banking

 

About the Faculty
N S Toor

  • M.Com, LLB, MA-Eco, CAIIB 
  • More than 1Lakh candidates have been qualified and promoted under the guidance of N.S.Toor 
  • 25+ years of experience in training and mentoring candidates for various bank promotional examinations and also part of training the bank officers across India.

 

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PAPER 1 – PRINCIPLES & PRACTICES OF BANKING

MODULE A – INDIAN FINANCIAL SYSTEM

Indian Financial System – An Overview
Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA.

Banking Regulation
Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending.

Retail Banking, Wholesale and International Banking
Retail Banking- Products, Opportunities; Wholesale Banking, Products; International Banking, Requirements of Importers & Exporters, Remittance Services; Universal Banking; ADRs; GDRs; Participatory Notes

Role of Money Markets, Debt Markets & Forex Market
Types of Money & Debt Market Instruments including G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.

Role and Functions of Capital Markets, SEBI
Overview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products/ Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc. QIBs.

Factoring, Forfaiting Services and Off-Balance Sheet items
Types & advantages of Factoring & forfaiting services; Types of off-balance sheet items.

Risk Management, Basel Accords
Introduction to Risk Management; Basel I, II & III Accords.

CIBIL, Fair Practices Code for Debt Collection, BCSB
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

MODULE B – FUNCTIONS OF BANKS

Banker Customer Relationship
Types; Different Deposit Products & Services; Services to Customers & Investors.

KYC/ AML/ CFT norms
PMLA Act; KYC Norms.

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 & Banking Ombudsman Scheme

Payment and Collection of Cheques and Other Negotiable Instruments
NI Act; Role & Duties of Paying & Collecting Banks; Endorsements; Forged Instruments; Bouncing of Cheques; Its Implications; Return of Cheques; Cheque Truncation System.

Opening accounts of various types of customers
Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar, SB Rate Deregulation

Ancillary Services
Remittances; Safe Deposit Lockers; Govt. Business; EBT.

Cash Operations
Cash Management Services and its Importance.

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 & its Estimation; Operating Cycle; Projected Net WC; Turnover Method; Cash Budget; Credit Monitoring & Its Management; Base Rate.

Priority Sector Advances
Targets; Sub-Targets; Recent Developments.

Agricultural Finance
Types of Agricultural Loans; Risk Mitigation in agriculture (NAIS, MSP etc.)

Micro, Small and Medium Enterprises
MSMED Act, 2006 Policy Package for MSMEs; Performance and Credit Rating Scheme; Latest Developments.

Government Sponsored Schemes
SGSY; SJSRY; PMRY; SLRS; PMJDY; APY; PMJJBY; PMSBY; PM-KISAN.

Self Help Groups
Need for & Functions of SHGs; Role of NGOs in Indirect Finance to SHGs; SHGs & SGSY Scheme; Capacity Building.

Credit Cards, Home Loans, Personal Loans, Consumer Loans
Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards; Procedure and Practices for Home Loans, Personal Loans and Consumer Loans.

Documentation
Types of Documents; Procedure; Stamping; Securitisation.

Different Modes of Charging Securities
Assignment; Lien; Set-off; Hypothecation; Pledge; Mortgage.

Types of collaterals and their characteristics
Land & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc.; Supply Bills.

Non-Performing Assets
Definition; Income Recognition; Asset Classification; Provisioning Norms; CDR Financial Inclusion BC; BF; Role of ICT in Financial Inclusion, Mobile based transactions, RSETI.

Financial Literacy
Importance of financial literacy, customer awareness.

MODULE C – BANKING TECHNOLOGY

Essentials of Bank Computerization
Computer Systems; LANs; WANs; UPS; Core Banking.

Payment Systems and Electronic Banking
ATMs; HWAK; PIN; Electromagnetic Cards; Electronic Banking; Signature Storage & Retrieval System; CTS; Note & Coin Counting Machines; Microfiche; NPC; RUPAY.

Data Communication Network and EFT systems
Components & 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 & Uses of Technology Upgradation; Global Trends; Impact of IT on Banks.

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.

Preventive Vigilance in Electronic Banking
Phishing; Customer Education; Safety Checks; Precautions.

MODULE D – SUPPORT SERVICES – MARKETING OF BANKING SERVICES/ PRODUCTS

Marketing – An Introduction
Concept; Management; Products & Services; Marketing Mix; Brand Image.

Social Marketing/ Networking
Evolution, Importance & Relevance of Social Marketing/ Networking.

Consumer Behavior and Product
Consumer Behavior; Product Planning, Development, Strategies, etc.; CRM.

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.

Role of Direct Selling Agent/ Direct Marketing Agent in a bank
Definition; Relevance; Banker as DSA/ DMA; Delivery Channels in Banks; Benefits.

Marketing Information Systems – a longitudinal analysis
Functions & Components of MKIS; MKIS Model; Use of Computers & Decision Models; Performance of MKIS; Advantages.

MODULE E – ETHICS IN BANKS AND FINANCIAL INSTITUTIONS

Ethics, Business Ethics & Banking: An Integrated Perspective
Business Ethics, Ethical Foundation and Banking Ethics in Global and Indian Contexts.

Ethics at the Individual Level
Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making.

Ethical Dimensions: Employees
Obligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders.

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.

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.

Check detailed Syllabus for Paper-II (Accounting & Finance for Bankers)

Definition and Types of Companies; Distinction between Partnership and Limited Liability Company; Classes of Share Capital; Issue of Shares; General Illustrations Non-Voting Shares; Form of Balance Sheet; Legal Requirements for Assets; Legal Requirements for Liabilities; Legal Requirements for Profit & Loss A/c; Preparation of Final Accounts

Accounting in a Computerized Environment
MODULE A – BUSINESS MATHEMATICS AND FINANCE

Calculation of Interest and Annuities
Calculation of Simple Interest & Compound Interest; Calculation of Equated Monthly Instalments; Fixed and Floating Interest Rates; Calculation of Annuities; Interest Calculation using Products/ Balances; Amortization of a Debt; Sinking Funds

Calculation of YTM
Debt- Definition, Meaning & Salient Features; Loans; Introduction to Bonds; Terms associated with Bonds; Cost of Debt Capital; Bond value with semi-annual Interest; Current Yield on Bond; Calculation of Yield-to- Maturity of Bond; Theorems for Bond Value; Duration of Bond; Properties of Duration; Bond Price Volatility

Capital Budgeting
Present Value and Discounting; Discounted Technique for Investment Appraisal; Internal Rate of Return (IRR); Method of Investment Appraisal; NPV and IRR compared; Investment Opportunities with Capital Rationing; Investment Decision making under condition of uncertainty; Expected NPV
Rule; Risk Adjusted Discount Rate Approach for NPV Determination; Sensitivity Analysis for NPV Determination; Decision Tree Analysis for NPV Estimation; Payback Methods; ARR.

Depreciation and its Accounting
Depreciation, its types and methods; Comparing Depreciation Methods

Foreign Exchange Arithmetic
Fundamentals of Foreign Exchange; Forex Markets; Direct and Indirect Quote; Some Basic Exchange Rate Arithmetic – Cross Rate, Chain Rule, Value date, etc.; Forward Exchange Rates – Forward Points; Arbitrage; Calculating Forward Points; Premium/ discount; etc.

MODULE B – PRINCIPLES OF BOOKKEEPING & ACCOUNTANCY

Definition, Scope and Accounting Standards
Nature and Purpose of Accounting; Historical Perspectives; Origins of Accounting Principles; Accounting Standards in India and its Definition and Scope; Generally Accepted Accounting Principles of USA (US GAAP); Transfer Pricing; Overview of IFRS; Difference between GAAP & IFRS.

Basic Accountancy Procedures
Concepts of Accountancy; Going Concern Entity; Double Entry System; Principle of Conservatism; Revenue Recognition and Realization; Accrual and Cash Basis.

Maintenance of Cash/ Subsidiary Books and Ledger
Record Keeping Basics; Account Categories; Debit and Credit Concepts; Accounting and Columnar Accounting Mechanics; Journals; Ledgers; subsidiary books; etc.

Bank Reconciliation Statement
Need for Bank Reconciliation; Causes of Differences; Preparation of Bank Reconciliation Statement; How to prepare a Bank Reconciliation Statement when Extracts of Cash Book and Pass Book are given; Adjusting the Cash Book Balance; Advantages of Bank Reconciliation Statement.

Trial Balance, Rectification of Errors and Adjusting & Closing Entries
Meaning of a Trial Balance; Features and Purpose of a Trial Balance; Types of Trial Balance and Preparation of a Trial Balance; Disagreement of a Trial Balance; Classification of Errors; Location of Errors; Rectification of Errors; Suspense Account and Rectification; Rectification of Errors when Books are closed; Adjusting and Closing Entries.

Capital and Revenue Expenditure
Expenditure; Distinction between Capital and Revenue Expenditure; Deferred Revenue Expenditure; Receipts; General Illustrations.

Bills of Exchange
Types of Instruments of Credit; Term and Due Date of a Bill; Certain Important Terms; Accounting Entries to be Passed; Accommodation Bill etc.

MODULE C – FINAL ACCOUNTS

Balance Sheet Equation
Balance Sheet Equation; Computation of Balance Sheet Equation.

Preparation of Final Accounts
Preparation of Trading A/C; Profit and Loss A/C; Profit & Loss Appropriation Account; Balance Sheets

Ratio Analysis
Meaning of Accounting Ratios; Classification of Ratios; Uses of Accounting Ratios; Limitations of Accounting Ratios; Calculation and interpretation of various Ratios; Different Users and their Use of Ratios.

Final Accounts of Banking Companies
Definition and Functions of a Bank; Requirements of Banking Companies as to Accounts and Audit; Significant Features of Accounting Systems of Banks; Principal Books of Accounts; Preparation and Presentation of Financial Statements of Banks; CMA Format; Accounting Treatment of Specific Items; Preparation of Profit and Loss Account; Comments on Profit and Loss Account; Important Items of Balance Sheet; Disclosure Requirements of Banks; Additional Disclosures prescribed by RBI; Disclosures required under BASEL norms.

Company Accounts I & II
Definition and Types of Companies; Distinction between Partnership and Limited Liability Company; Classes of Share Capital; Issue of Shares; General Illustrations Non-Voting Shares; Form of Balance Sheet; Legal Requirements for Assets; Legal Requirements for Liabilities; Legal Requirements for Profit & Loss A/c; Preparation of Final Accounts

Accounting in a Computerized Environment
Meaning, features of and terms used in Computerized Accounting; Difference between Computerized and Manual Accounting; Advantages and Disadvantages of Computerized Accounting; Functions performed by Computerized Accounting Softwares available in the Market; Computerization – Scope and Experiences in Banking; The Core Banking
Components; Information Security; Internet and World Wide Web – Influences on Banking

MODULE D – BANKING OPERATIONS

Banking Operations & Accounting Functions
Preparation of Vouchers, cash receipt and payment entries, clearing inward and outward entries, transfer debit and credit entries, what is KYC and what are the different documents to satisfy KYC, verify KYC and authenticity of documents, operational aspects in regard to opening of all types of accounts, scrutiny of loan applications/ documents, allowing withdrawals and accounting entries involved at various stages, operational aspects of CBS environment etc., Back office operations in banks, handling of unreconciled entries in banks

JAIIB Syllabus Paper-III (– LEGAL & REGULATORY ASPECTS OF BANKING)

MODULE A – REGULATIONS AND COMPLIANCE

Legal Framework of Regulation of Banks
Business of Banking; Constitution of Banks; RBI Act, 1934; Banking Regulation Act, 1949; Role of RBI; Govt. as a Regulator of Banks; Control over Co-operative Banks; Regulation by other Authorities.

Control over Organization of Banks
Licensing of Banking Companies; Branch Licensing; Paid up Capital and Reserves; Shareholding in Banking Companies; Subsidiaries of Banking Companies; Board of Directors; Chairman of Banking Company; Appointment of Additional Directors; Restrictions on Employment; Control over Management; Corporate Governance; Directors and Corporate Governance.

Regulation of Banking Business
Power of RBI to Issue Directions; Acceptance of Deposits; Nomination; Loans and Advances; Regulation of Interest Rate; Regulation of Payment Systems; Internet Banking Guidelines; Regulation of Money Market Instruments; Banking Ombudsman; Reserve Funds; Maintenance of CRR, SLR; Assets in India.

Returns Inspection, Winding up, Mergers & Acquisitions
Annual Accounts & Balance Sheet; Audit & Auditors; Submission of Returns; Preservation of Records and Return of Paid Instruments; Inspection and Scrutiny; Board for Financial Supervision; Acquisition of Undertakings; Amalgamation of Banks; Winding up of Banks; Penalties for offences.

Public Sector Banks and Co-operative Banks
SBI and its Subsidiaries; Regional Rural Banks; Nationalized Banks; Application of BR Act to Public Sector Banks; Disinvestment of Shares by Govt.; Co-operative Banks.

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 OPERATIONS

Different Types of Borrowers
Types of Borrowers; Limited Liability Partnership.

Types of Credit Facilities
Cash Credit, Overdraft, Demand Loans, Term Loans, Bill Finance.

Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies
Definition of Secured and Unsecured loans; Need for Secured Loans; Registration of Firms; Consequences of Non-registration of Firms; Incorporation of a Company Indemnities Definition of Contract of Indemnity; Features of Indemnity Contract & Guarantee; Scope and Application of Indemnity Contracts to Banks; Obligations of a Banker; Precaution & Rights of an Indemnity Holder.

Bank Guarantees
Definition and Types of Bank Guarantees; Banker’s Duty to Honor Guarantee; Precautions to be taken for Issuance of Bank Guarantee; Precautions to be taken for Payment under Bank Guarantee; Invocation & Enforcement.

Letters of Credit
General Considerations of Letters of credit; Parties to a Letter of credit; Types of Letters of credit; Documents under a Letter of credit; UCPDC 600; Banks obligation for payment of Letter of credit.

Deferred Payment Guarantees
Purpose of DPGs; Methods of Payment.

Laws Relating to Bill Finance
Class of Bills and Laws Governing Bills; Classification of Bills; Categories of Bill Finance; Bill Finance and Legal Position of Banker.

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
Definition of Charge; Procedure for Registration of Charge; Effect of Non-registration of Charges; Provisions of Law relating to Registration of Charges.

Case Laws on Responsibility of Paying Bank
Negotiable Instruments Act and Paying Banks; Liability of Paying Banker; Payment in due course; Payment in Good Faith; Whether Payment under Mistake Recoverable.

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) Constitutional Validity; Definitions; Regulation & Reconstruction; Enforcement of Security
Interest; Central Registry; Offences & Penalties; Miscellaneous Provisions.

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
Preamble, Extent & Definitions; Consumer Protection Councils; Consumer Disputes Redressal Agencies; Objectives and important provisions of Central Registry of Securitisation Asset Reconstruction and Security Interest of India.

The Law of Limitation
Definition; Computation of Limitation; Important Provisions in schedule to the Limitation Act.

Tax Laws
Income Tax; Commodity Transaction Tax; Service Tax.

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
Meaning and essentials of contract; Contract of Indemnity & Rights of Indemnity Holder; Contract of Guarantee; Contract of Bailment; Contract of Pledge; Contract of Agency.

The Sale of Goods Act, 1930
Features; Sale & Agreement to Sell; Conditions and Warranties; Express & Implied; Rights of Unpaid Seller.

Indian Partnership Act, 1932
Definition & Types of Partnerships; Relation of partners to one another & to third Parties; Minor admitted to benefits of partnership; Dissolution of a firm; Effect of non registration; Limited liability partnerships formation, registration, rights and liabilities of partners.

Definition and features of a company
Definition & Features of a Company; Distinction between Company and Partnership.

The Companies Act, 1956 (Now Companies Act, 2013)
Definition, Features & Types of companies; Memorandum and Articles of Association; Doctrine of Ultra Vires, Constructive Notice, Indoor Management; Membership of CompanyAcquisition, Cessation, Register, Rights & Duties of Members, Prospectus; Directors; Winding up of Companies.

Foreign Exchange Management Act, 1999
Important Terms; Powers of RBI, Regulation and Management; Directorate of Enforcement.

Transfer of Property Act, 1882
Sale, Mortgage of Immovable Property; Types of Mortgages; Sale with and without court intervention; Lease of Immovable Property

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
Obligations; Records to be Maintained; Procedure for Maintaining & Furnishing Information; Maintenance & Verifications of Records of Identity of Clients.

Information Technology Act, 2000
Definitions; Electronic Governance; Certifying Authorities; Digital Signature Certificates; Penalties; Appeal