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:
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