{"id":100359,"date":"2026-02-14T14:53:00","date_gmt":"2026-02-14T09:23:00","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=100359"},"modified":"2026-02-14T14:53:11","modified_gmt":"2026-02-14T09:23:11","slug":"banker-customer-relationship","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/","title":{"rendered":"Banker Customer Relationship, Important for JAIIB PPB Exam"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#Download_the_JAIIB_PPB_Banker_Customer_Relationship_PDF\" >Download the JAIIB PPB Banker Customer Relationship PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#What_is_banker_customer_relationship_and_why_is_it_important\" >What is banker customer relationship and why is it important?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#In_which_JAIIB_module_is_the_%E2%80%9CBanker_Customer_Relationship%E2%80%9D_topic_covered\" >In which JAIIB module is the &#8220;Banker Customer Relationship&#8221; topic covered?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#What_is_banking\" >What is banking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#Who_is_a_banker_and_who_is_a_customer\" >Who is a banker and who is a customer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#How_is_the_banker_customer_relationship_classified\" >How is the banker customer relationship classified?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#What_is_a_debtor_and_creditor_relationship\" >What is a debtor and creditor relationship?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#What_is_a_creditor_and_debtor_relationship\" >What is a creditor and debtor relationship?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#What_is_a_pledger_and_pledgee_relationship\" >What is a pledger and pledgee relationship?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Understanding the Banker Customer Relationship is crucial for aspirants preparing for the JAIIB Module B exam. Since achieving high marks in the exam requires a thorough grasp of all topics, it is essential to study each area carefully. In this blog, we have provided a complete guide to Banker Customer Relationship, including definitions, classifications, banking essentials, and the various types of relationships that exist between a banker and a customer. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-the-jaiib-ppb-banker-customer-relationship-pdf\"><span class=\"ez-toc-section\" id=\"Download_the_JAIIB_PPB_Banker_Customer_Relationship_PDF\"><\/span>Download the JAIIB PPB Banker Customer Relationship PDF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The direct link to download the &#8220;Banker-Customer Relationship&#8221; eBook is provided below. Professionals can download it through the link.<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><a href=\"https:\/\/courses.oliveboard.in\/edge\/?c=dashboard&amp;i=jaiib&amp;dl=https:\/\/download.oliveboard.in\/pdf\/banker-customer-relationship-jaiib.pdf&amp;ok=1\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-banker-customer-relationship-and-why-is-it-important\"><span class=\"ez-toc-section\" id=\"What_is_banker_customer_relationship_and_why_is_it_important\"><\/span>What is banker customer relationship and why is it important?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Banker Customer Relationship depends on the services, actions, and products offered by a bank or used by the customer. This relationship is transactional in nature, where trust and faith play a critical role. A bank\u2019s success heavily relies on maintaining a strong relationship with its customers. For the <a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-syllabus-for-principles-practices-of-banking\/?ref=contac-nai-jaiib-bcr\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PPB exam<\/a>, understanding this relationship is vital as it forms a core part of Module B.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aspect<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Relationship Type<\/td><td>Transactional between banker and customer<\/td><\/tr><tr><td>Importance<\/td><td>Strong customer trust and faith ensures bank\u2019s success<\/td><\/tr><tr><td>Exam relevance<\/td><td>Critical topic for JAIIB Module B<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/jaiib-mock-test\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A Free JAIIB Mock Test<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-in-which-jaiib-module-is-the-banker-customer-relationship-topic-covered\"><span class=\"ez-toc-section\" id=\"In_which_JAIIB_module_is_the_%E2%80%9CBanker_Customer_Relationship%E2%80%9D_topic_covered\"><\/span>In which JAIIB module is the &#8220;Banker Customer Relationship&#8221; topic covered?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The topic \u201cBanker Customer Relationship\u201d is part of the JAIIB PPB Paper, Module B, which focuses on core banking operations and customer service practices. This section explains the nature of the banker-customer relationship, classifications, various legal relationships, rights, duties, and obligations, making it essential for exam preparation and practical banking knowledge.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Field<\/td><td>Details<\/td><\/tr><tr><td>Paper \/ Module<\/td><td>Principles &amp; Practices of Banking (PPB) \u2013 Module B<\/td><\/tr><tr><td>Focus Areas<\/td><td>Core banking operations, customer relationships, and legal aspects<\/td><\/tr><tr><td>Topics Covered<\/td><td>&#8211; Banker-customer relationship overview<br>&#8211; Banking definitions and essentials<br>&#8211; Important functions of the bank<br>&#8211; Customer classifications<br>&#8211; Types of banker-customer relationships (debtor-creditor, creditor-debtor, pledger-pledgee, etc.)<br>&#8211; Rights and duties of bankers and customers<\/td><\/tr><tr><td>Exam Dates 2026<\/td><td>May Cycle: 9th May 2026<br>November Cycle: 22nd Nov 2026<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/jaiib\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">Explore JAIIB Online Courses<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-banking\"><span class=\"ez-toc-section\" id=\"What_is_banking\"><\/span>What is banking?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banking, as defined under the Banking Regulation Act 1949, is the acceptance of money from the public for lending or investment purposes, which is repayable on demand or otherwise and withdrawable by cheque, draft, order, or other means.<\/p>\n\n\n\n<p><strong>Important aspects of banking:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Individuals are prohibited from acting as banks or using the phrase in commerce.<\/li>\n\n\n\n<li>A bank, banker, or banking corporation may be a company with no more than ten members or a company formed under the Indian Companies Act, 1956.<\/li>\n\n\n\n<li>A Banking Company is an institution conducting banking activity in India.<\/li>\n\n\n\n<li>Non-banking companies cannot use the terms banker, banking, or banking company.<\/li>\n\n\n\n<li>No individual, group of individuals, or corporation may use these terms for themselves.<\/li>\n<\/ul>\n\n\n\n<p><strong>Essentials of Banking:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acceptance of deposits for lending purposes<\/li>\n\n\n\n<li>Acceptable from the general public (excluding nidhis, cooperative societies, multi-benefit societies)<\/li>\n\n\n\n<li>Acceptance of monetary deposits<\/li>\n\n\n\n<li>No control of depositors over administration<\/li>\n\n\n\n<li>Prioritise and emphasise depositor interests<\/li>\n<\/ul>\n\n\n\n<p>Also Check:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Study Material<\/strong><\/td><td><strong>Study Material<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-ie-ifs-questions\/?ref=contac-reg-jaiib-sm\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB IE and IFS Important Questions PDF<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-ppb-questions\/?ref=contac-nai-jaiib-sm\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PPB Important Questions PDF<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-afm-questions\/?ref=contac-nai-jaiib-sm\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB AFM Important Questions PDF<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-rbwm-questions\/?ref=contac-nai-jaiib-sm\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM Important Questions PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Important functions of the bank:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accepting public deposits and utilising the funds through loans and investments<\/li>\n\n\n\n<li>Collecting cheques and bills<\/li>\n\n\n\n<li>Conducting government transactions (central\/state)<\/li>\n\n\n\n<li>Discounting of invoices<\/li>\n\n\n\n<li>Issuing credit letters and assurances<\/li>\n\n\n\n<li>Performing foreign currency transactions<\/li>\n\n\n\n<li>Remittances<\/li>\n\n\n\n<li>Renting security deposit lockers<\/li>\n\n\n\n<li>Safekeeping of objects<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/courses.oliveboard.in\/edge\/index_new.php?c=2068&amp;i=jaiib#Free?ref=contac-nai-jaiib\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"200\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/01\/251210-1765344228-jaiib_2026_2.0_foundation_batch_english-desktop.webp\" alt=\"JAIIB 2026 Foundation Batch 2.0\" class=\"wp-image-234966\" srcset=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/01\/251210-1765344228-jaiib_2026_2.0_foundation_batch_english-desktop.webp 900w, https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/01\/251210-1765344228-jaiib_2026_2.0_foundation_batch_english-desktop-768x171.webp 768w\" sizes=\"auto, (max-width: 900px) 100vw, 900px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-a-banker-and-who-is-a-customer\"><span class=\"ez-toc-section\" id=\"Who_is_a_banker_and_who_is_a_customer\"><\/span>Who is a banker and who is a customer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Banker:<\/strong> A banker is a person who conducts banking activities such as accepting deposits, lending money, providing withdrawal services, and exchanging money. The banker oversees all operations and is either the owner or director of the bank.<\/p>\n\n\n\n<p><strong>Customer:<\/strong> A customer is a person with a bank account for whom the banker agrees to provide banking services.<\/p>\n\n\n\n<p><strong>Conditions to qualify as a customer:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The bank account (savings, current, or fixed deposit) must be opened in their name with the required initial deposit.<\/li>\n\n\n\n<li>Interactions between banker and customer must follow the banking industry\u2019s nature.<\/li>\n<\/ul>\n\n\n\n<p><strong>Bank customer classifications:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Existing Customers:<\/strong> Customers maintaining an account relationship with the bank.<\/li>\n\n\n\n<li><strong>Former Customers:<\/strong> Customers who previously had an account relationship with the bank.<\/li>\n\n\n\n<li><strong>Walking Customers:<\/strong> Individuals without an account but frequently visit the bank for services (e.g., draughts, cheque cashing). Not considered actual customers.<\/li>\n\n\n\n<li><strong>Prospective\/Potential Customers:<\/strong> Individuals interested in opening an account. Considered customers once the bank accepts their completed and signed account opening form.<\/li>\n<\/ul>\n\n\n<figure class=\"wp-block-embed wp-embed-aspect-16-9 wp-has-aspect-ratio  is-type-video is-provider-youtube wp-block-embed-youtube\"><div class=\"wp-block-embed__wrapper video-seo-youtube-embed-wrapper\"><div class=\"video-seo-youtube-player\" data-id=\"JKDFACps3FU\"><\/div><\/div><\/figure>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-the-banker-customer-relationship-classified\"><span class=\"ez-toc-section\" id=\"How_is_the_banker_customer_relationship_classified\"><\/span>How is the banker customer relationship classified?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banker Customer Relationship can take several forms depending on the nature of transactions and agreements. The main classifications include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debtor and Creditor Relationship<\/li>\n\n\n\n<li>Creditor and Debtor Relationship<\/li>\n\n\n\n<li>Pledger and Pledgee Relationship<\/li>\n\n\n\n<li>Licensor (Lessor) and Licensee (Lessee) Relationship<\/li>\n\n\n\n<li>Bailee and Bailor Relationship<\/li>\n\n\n\n<li>Hypothecator and Hypothecate Relationship<\/li>\n\n\n\n<li>Trustee and Beneficiary Relationship<\/li>\n\n\n\n<li>Agent and Principal Relationship<\/li>\n\n\n\n<li>Indemnifier and Indemnified Relationship<\/li>\n\n\n\n<li>Advisor and Client Relationship<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-debtor-and-creditor-relationship\"><span class=\"ez-toc-section\" id=\"What_is_a_debtor_and_creditor_relationship\"><\/span>What is a debtor and creditor relationship?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When a customer deposits money in a bank, the bank becomes a <strong>debtor<\/strong>, while the depositor is the <strong>creditor<\/strong>. This relationship reverses if the account becomes overdrawn.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the customer takes a loan, the customer becomes the <strong>creditor<\/strong> until the loan is repaid.<\/li>\n\n\n\n<li>Loan requests must be made properly (draught, cheque, withdrawal form, pay order) and during business hours.<\/li>\n<\/ul>\n\n\n\n<p>Also Attempt<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Test Name<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>JAIIB IE and IFS Mock Test<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-indian-economy-financial-system-mock-test\/?ref=contac\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Now<\/a><\/td><\/tr><tr><td>JAIIB PPB Mock Test<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-principles-practices-of-banking-mock-test\/?ref=contac\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Now<\/a><\/td><\/tr><tr><td>JAIIB AFM Mock Test<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-accounting-financial-management-mock-test\/?ref=contac\">Attempt Now<\/a><\/td><\/tr><tr><td>JAIIB RBWM Mock Test<\/td><td><a href=\"https:\/\/www.oliveboard.in\/jaiib-retail-banking-wealth-management-mock-test\/?ref=contac\">Attempt Now<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-creditor-and-debtor-relationship\"><span class=\"ez-toc-section\" id=\"What_is_a_creditor_and_debtor_relationship\"><\/span>What is a creditor and debtor relationship?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When a customer borrows money from a bank, the customer is the <strong>borrower<\/strong> (debtor), and the bank is the <strong>lender<\/strong> (creditor).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The banker can demand repayment on the due date.<\/li>\n\n\n\n<li>The customer must repay the borrowed amount as agreed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-pledger-and-pledgee-relationship\"><span class=\"ez-toc-section\" id=\"What_is_a_pledger_and_pledgee_relationship\"><\/span>What is a pledger and pledgee relationship?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When a customer pledges assets or security to the bank for a loan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The customer becomes the <strong>Pledger<\/strong><\/li>\n\n\n\n<li>The bank becomes the <strong>Pledgee<\/strong><\/li>\n<\/ul>\n\n\n\n<p>This relationship ensures that the bank has a legal claim over the pledged assets until the loan is repaid.<\/p>\n\n\n\n<p>Also Check:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Study Plan<\/strong><\/td><td><strong>Study Plan<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ie-and-ifs-exam\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB IE And IFS Study Plan<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ppb\/?ref=contss-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PPB Study Plan<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-preparation\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB AFM Study Plan<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-strategy\/?ref=contac-nai-jaiib\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM Study Plan<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1658139252932\"><strong class=\"schema-faq-question\">Q1. <strong>When a bank lends money to a company, what type of banker customer relations relationship is involved?<\/strong><\/strong> <p class=\"schema-faq-answer\">A. When a bank lends money to a company, the banker-customer relationship is of Creditor and Debtor, with the bank as the creditor and the customer (the corporation) as the debtor.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1658139275808\"><strong class=\"schema-faq-question\">Q2. <strong>Which sort of account is appropriate for customers who can save regularly and anticipate a reasonable return on their deposits over time?<\/strong><\/strong> <p class=\"schema-faq-answer\">A. A Recurring Deposit Account. To open this type of account, an individual must agree to deposit a predetermined sum once every month for a specified duration.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-2026-expected-questions\/\">JAIIB 2026 Questions from Repetitive Topics, Download Free PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/ppb-previous-year-question-paper-pdf\/\">Attempt JAIIB PPB Previous Year Practice Quiz, Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ie-and-ifs-last-15-days-study-plan\/\">JAIIB IE and IFS Last 15 Days Study Plan, Check Details<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/difference-between-jaiib-and-caiib\/\">Difference Between JAIIB &amp; CAIIB, Eligibility, Exam Pattern<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-exam-analysis\/\">JAIIB RBWM Exam Analysis for 17th May 2026, Shift-wise Review<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-exam-analysis-2026\/\">JAIIB AFM Exam Analysis 2026, 10th May All Shifts Review<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Understanding the Banker Customer Relationship is crucial for aspirants preparing for the JAIIB Module B exam. Since achieving high marks<\/p>\n","protected":false},"author":58,"featured_media":237433,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,10353],"tags":[],"class_list":["post-100359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-jaiib","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banker Customer Relationship, Important for JAIIB PPB Exam<\/title>\n<meta name=\"description\" content=\"Know about banking, classifications, and other relevant details about the Banker Customer Relationship; you must know to crack the JAIIB exam\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banker Customer Relationship, Important for JAIIB PPB Exam\" \/>\n<meta property=\"og:description\" content=\"Understanding the Banker Customer Relationship is crucial for aspirants preparing for the JAIIB Module B exam. Since achieving high marks in the exam\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\" \/>\n<meta property=\"og:site_name\" content=\"Oliveboard\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Oliveboard\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-14T09:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-14T09:23:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/07\/JAIIB-4-1.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"AditiOB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:site\" content=\"@Oliveboard\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"AditiOB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\"},\"author\":{\"name\":\"AditiOB\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#\/schema\/person\/0cbc4ac8555ced346681804861de062c\"},\"headline\":\"Banker Customer Relationship, Important for JAIIB PPB Exam\",\"datePublished\":\"2026-02-14T09:23:00+00:00\",\"dateModified\":\"2026-02-14T09:23:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\"},\"wordCount\":1136,\"publisher\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/07\/JAIIB-4-1.webp\",\"articleSection\":[\"Articles\",\"JAIIB\"],\"inLanguage\":\"en-US\"},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\",\"name\":\"Banker Customer Relationship, Important for JAIIB PPB Exam\",\"isPartOf\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/07\/JAIIB-4-1.webp\",\"datePublished\":\"2026-02-14T09:23:00+00:00\",\"dateModified\":\"2026-02-14T09:23:11+00:00\",\"description\":\"Know about banking, classifications, and other relevant details about the Banker Customer Relationship; you must know to crack the JAIIB exam\",\"breadcrumb\":{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#faq-question-1658139252932\"},{\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#faq-question-1658139275808\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#primaryimage\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/07\/JAIIB-4-1.webp\",\"contentUrl\":\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2022\/07\/JAIIB-4-1.webp\",\"width\":730,\"height\":480},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banker-customer-relationship\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"JAIIB-CAIIB \/ Promotion Exams\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/category\/jaiib-caiib-promotion\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"JAIIB\",\"item\":\"https:\/\/www.oliveboard.in\/blog\/category\/jaiib-caiib-promotion\/jaiib\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Banker Customer Relationship\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/#website\",\"url\":\"https:\/\/www.oliveboard.in\/blog\/\",\"name\":\"Oliveboard\",\"description\":\"Free Govt. 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