JAIIB RBWM Exam 2024 Analysis, Shift 1 & 2, 9th November 2024

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JAIIB RBWM Exam Analysis 2024

JAIIB RBWM Exam Analysis: The Indian Institute of Banking and Finance held the RBWM exam of the November cycle on the 09th November 2024. The exam was of 100 questions and 100 marks with a 2-hour duration. Here we have covered all shifts of the JAIIB RBWM November 2024 cycle, with a detailed look at the questions and difficulty.

JAIIB RBWM Exam 2024 Memory-Based Paper – Shift 1

The first shift of the JAIIB RBWM Exam 2024 on 9th November received a moderate difficulty rating from candidates. The questions focused on both practical case studies and theoretical knowledge, spanning across major topics relevant to retail banking and wealth management.

Topic	Details or Questions Asked
Minor Account Facilities	Regulations and guidelines for managing minor accounts
Short-Term Capital Gain	Formula calculation for short-term capital gains
SWIFT	Full form and function of SWIFT
Physiological Needs	Application in customer motivation (Maslow’s hierarchy)
MRR on Mortgage Loans	Calculations and requirements
NPCI	Organization background and developments
CKYCR Management	Details on who manages the Central KYC Registry
Education Loan Guarantee	Third-party guarantee requirements in specific cases
Internet Banking Fraud Case Study	Case study on liability in fraud transactions
NEFT	Full form and settlement process
Integrated Ombudsman Regulation	Regulatory body overseeing the Integrated Ombudsman scheme

Key Observations for Shift 1:

Many questions required practical applications, such as case studies on unauthorized transactions and NEFT processes.
Regulatory and compliance knowledge played a significant role, highlighting the importance of staying current on updated guidelines.
Wealth management principles were tested, with questions on investment strategies and the tax implications of certain accounts.

JAIIB RBWM Exam 2024 Video Analysis – Shift 1

Candidates can find a more detailed analysis of Shift 1 for JAIIB RBWM November 2024 cycle here:

JAIIB RBWM Exam 2024 Memory-Based Paper – Shift 2

The second shift maintained a moderate difficulty level, with a variety of questions targeting both basic and advanced aspects of retail banking and wealth management. The topics were similar to those in Shift 1 but with additional emphasis on customer relationship management and financial product cycles.

Topic	Details or Questions Asked
CRM (Customer Relationship Management)	Concepts, importance, and application
Mobile Banking Application Features	Specific features and usage guidelines
LTV Ratio for Home Loan	Loan-to-value ratio calculations for home loans
Wealth Management	Purpose, strategies, and portfolio diversification
FOIR (Fixed Obligations to Income Ratio)	Calculation and impact on loan eligibility
Branch Profitability	Key indicators for branch performance
SBU Approach	Strategic Business Unit concept in banking
Maslow’s Hierarchy	Focus on physiological needs in customer behavior
Mutual Funds	Differences between diversified and other types of mutual funds
Education Loan Priority Sector Limit	Eligibility for priority sector lending
Convertible Shares	Features and examples

Key Observations for Shift 2:

The paper emphasized concepts related to wealth management, showcasing its role in effective banking.
Calculations involving ratios and interest rates were common, particularly those related to loans and income assessments.
Regulatory compliance questions on NEFT, CKYCR, and the Integrated Ombudsman were frequent.

JAIIB RBWM Exam 2024 Video Analysis – Shift 2

Candidates can find a more detailed analysis of Shift 2 for JAIIB RBWM November 2024 cycle here:

Saloni Singhal

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