{"id":86827,"date":"2025-09-23T20:04:39","date_gmt":"2025-09-23T14:34:39","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=86827"},"modified":"2025-09-23T20:05:38","modified_gmt":"2025-09-23T14:35:38","slug":"principles-and-practices-of-banking","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/principles-and-practices-of-banking\/","title":{"rendered":"Principles And Practices Of Banking Study Notes For JAIIB"},"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\/principles-and-practices-of-banking\/#IIBF_JAIIB_2025_%E2%80%93_Principles_and_Practices_of_Banking_PPB\" >IIBF JAIIB 2025 \u2013 Principles and Practices of Banking (PPB)<\/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\/principles-and-practices-of-banking\/#Unit_1_Indian_Financial_System\" >Unit 1: Indian Financial System<\/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\/principles-and-practices-of-banking\/#Unit_2_Banking_Regulation_in_IndiaBanking_regulation_ensures_stability_and_smooth_functioning_of_the_financial_system\" >Unit 2: Banking Regulation in IndiaBanking regulation ensures stability and smooth functioning of the financial system.<\/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\/principles-and-practices-of-banking\/#Unit_3_Retail_Banking_ADR_GDR_and_P-Notes\" >Unit 3: Retail Banking, ADR, GDR, and P-Notes<\/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\/principles-and-practices-of-banking\/#Unit_4_Fixed_Income_Money_Markets_Forex_FEMA\" >Unit 4: Fixed Income, Money Markets, Forex &amp; FEMA<\/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\/principles-and-practices-of-banking\/#IIBF_JAIIB_2025_Exam_Pattern_%E2%80%93_Principles_Practices_of_Banking\" >IIBF JAIIB 2025 Exam Pattern \u2013 Principles &amp; Practices of Banking<\/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\/principles-and-practices-of-banking\/#JAIIB_2025_Passing_Criteria\" >JAIIB 2025 Passing Criteria<\/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\/principles-and-practices-of-banking\/#What_is_the_Passing_Criteria_for_JAIIB\" >What is the Passing Criteria for JAIIB?<\/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\/principles-and-practices-of-banking\/#JAIIB_%E2%80%9CClass_of_Pass%E2%80%9D_Criteria\" >JAIIB &#8220;Class of Pass&#8221; Criteria<\/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\/principles-and-practices-of-banking\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>IIBF JAIIB Principles and Practices of Banking &#8211; Exams for JAIIB\/DBF are conducted twice a year by the Indian Institute of Banking &amp; Finance. Taking this exam is an excellent way for bank employees to advance their careers. An important element of the JAIIB exam is to ensure candidates have a solid understanding of banking and financial services, including the ability to maintain healthy customer relationships and to understand basic accounting and legal aspects. In this blog, learners can go through the short notes in one of the most important topics of PPB and the Principles and Practices of Banking Notes PDF in the link given below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-iibf-jaiib-2025-principles-and-practices-of-banking-ppb\"><span class=\"ez-toc-section\" id=\"IIBF_JAIIB_2025_%E2%80%93_Principles_and_Practices_of_Banking_PPB\"><\/span>IIBF JAIIB 2025 \u2013 Principles and Practices of Banking (PPB)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IIBF JAIIB 2025 \u2013 Principles and Practices of Banking (PPB) covers the fundamental concepts of banking, financial systems, and regulatory guidelines. It helps candidates build a strong foundation for a successful banking career.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unit-1-indian-financial-system\"><span class=\"ez-toc-section\" id=\"Unit_1_Indian_Financial_System\"><\/span>Unit 1: Indian Financial System<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Indian Financial System plays a key role in the country\u2019s economic growth. Here&#8217;s a simplified overview:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NBFCs (Non-Banking Financial Companies)<\/strong> raise money from the public and provide loans through hire purchase, leasing, and bill discounting.<\/li>\n\n\n\n<li><strong>Primary dealers<\/strong> participate in buying and selling government securities in both primary and secondary markets.<\/li>\n\n\n\n<li><strong>Financial Institutions (FIs)<\/strong> provide long-term funds to sectors like industry and agriculture.<\/li>\n\n\n\n<li><strong>Cooperative banks<\/strong> can accept deposits and offer loans to the public. Urban cooperative banks are regulated by RBI and state governments, while other co-ops are supervised by NABARD and state governments.<\/li>\n\n\n\n<li><strong>CRR (Cash Reserve Ratio)<\/strong> is the portion of a bank\u2019s total deposits that must be kept with the RBI.<\/li>\n\n\n\n<li><strong>SLR (Statutory Liquidity Ratio)<\/strong> is the share of deposits that banks must maintain in government securities.<\/li>\n\n\n\n<li>Banks also raise funds by issuing corporate bonds and debentures.<\/li>\n\n\n\n<li><strong>Securities<\/strong> include shares, bonds, and derivatives.<\/li>\n\n\n\n<li><strong>SEBI<\/strong> regulates the capital markets, licenses merchant bankers, and allows FIIs to invest in Indian markets.<\/li>\n\n\n\n<li><strong>Depositories<\/strong> store securities in digital (Demat) form.<\/li>\n\n\n\n<li><strong>Mutual Funds<\/strong> pool money from investors and invest in various financial instruments.<\/li>\n\n\n\n<li><strong>Regulatory bodies<\/strong>: RBI (banking), SEBI (capital markets), IRDAI (insurance).<\/li>\n<\/ul>\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\/\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free JAIIB Mock Tests 2025<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unit-2-banking-regulation-in-indiabanking-regulation-ensures-stability-and-smooth-functioning-of-the-financial-system\"><span class=\"ez-toc-section\" id=\"Unit_2_Banking_Regulation_in_IndiaBanking_regulation_ensures_stability_and_smooth_functioning_of_the_financial_system\"><\/span>Unit 2: Banking Regulation in IndiaBanking regulation ensures stability and smooth functioning of the financial system.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RBI<\/strong>, India\u2019s central bank, was set up under the RBI Act, 1934, and started operations on April 1, 1935.<\/li>\n\n\n\n<li>After nationalization in 1948, RBI became government-owned.<\/li>\n\n\n\n<li>RBI manages currency, foreign exchange, and monetary policy in India.<\/li>\n\n\n\n<li>RBI regulates interest rates, liquidity, and banking operations through CRR, SLR, and <strong>Open Market Operations (OMO)<\/strong>.<\/li>\n\n\n\n<li>The <strong>Bank Rate<\/strong> is the interest rate at which RBI lends to commercial banks.<\/li>\n\n\n\n<li><strong>Selective Credit Control (SCC)<\/strong> is used to prevent hoarding of essential goods and control inflation.<\/li>\n\n\n\n<li>RBI does not allow banks to hold more than 30% of a company\u2019s capital as security against loans.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unit-3-retail-banking-adr-gdr-and-p-notes\"><span class=\"ez-toc-section\" id=\"Unit_3_Retail_Banking_ADR_GDR_and_P-Notes\"><\/span>Unit 3: Retail Banking, ADR, GDR, and P-Notes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Retail and corporate banking serve different customer segments:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Retail banking<\/strong> deals with individual customers and includes services like savings accounts, loans, credit\/debit cards, lockers, and insurance.<\/li>\n\n\n\n<li><strong>Wholesale banking<\/strong> serves businesses and includes services like loans, LC, BG, FX, RTGS, and tax collection.<\/li>\n\n\n\n<li><strong>International banking<\/strong> covers cross-border financial services.<\/li>\n\n\n\n<li><strong>Universal banking<\/strong> provides a one-stop shop for banking, investment, and insurance services.<\/li>\n\n\n\n<li><strong>Depository Receipts (DRs)<\/strong> such as ADRs and GDRs allow foreign companies to raise money from Indian markets.<\/li>\n\n\n\n<li><strong>Participatory Notes (P-notes)<\/strong> are issued by FIIs for those who wish to invest in Indian markets without registering with SEBI. However, FIIs cannot issue P-notes to Indian citizens or companies owned by NRIs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unit-4-fixed-income-money-markets-forex-amp-fema\"><span class=\"ez-toc-section\" id=\"Unit_4_Fixed_Income_Money_Markets_Forex_FEMA\"><\/span>Unit 4: Fixed Income, Money Markets, Forex &amp; FEMA<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding different markets is essential for bank operations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Money markets<\/strong> help manage short-term funds (less than one year) and are key to liquidity management.<\/li>\n\n\n\n<li>Instruments: <strong>CP (Commercial Paper), CD (Certificate of Deposit), Treasury Bills, Call Money, and Bill Rediscounting<\/strong>.<\/li>\n\n\n\n<li><strong>Government securities<\/strong> are safe, liquid, and usually offer semi-annual interest. These include <strong>Promissory Notes, Bonds, and Dated Securities<\/strong>.<\/li>\n\n\n\n<li><strong>Corporate bonds<\/strong> are issued by companies to raise debt; they do not offer ownership.<\/li>\n\n\n\n<li><strong>Interest Rate Swaps (IRS)<\/strong> and <strong>Futures<\/strong> help manage interest rate risks.<\/li>\n\n\n\n<li><strong>FEMA (Foreign Exchange Management Act), 1999<\/strong> governs all foreign exchange transactions in India.<\/li>\n\n\n\n<li><strong>LIBOR (London Interbank Offered Rate)<\/strong> is a global benchmark for short-term interest rates, though it is being replaced by other benchmarks.<\/li>\n\n\n\n<li><strong>Indian Interbank Market<\/strong> is where banks borrow and lend short-term funds to each other.<\/li>\n<\/ul>\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-previous-year-papers\/?ref=contac\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A free JAIIB Previous Year Paper<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-iibf-jaiib-2025-exam-pattern-principles-amp-practices-of-banking\"><span class=\"ez-toc-section\" id=\"IIBF_JAIIB_2025_Exam_Pattern_%E2%80%93_Principles_Practices_of_Banking\"><\/span>IIBF JAIIB 2025 Exam Pattern \u2013 Principles &amp; Practices of Banking<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Principles and Practices of Banking paper in the IIBF JAIIB 2025 exam consists of approximately 120 multiple-choice questions (MCQs), carrying a total of 100 marks. Some of these questions may be based on case studies to test practical understanding. There is no negative marking for incorrect answers, giving candidates the freedom to attempt all questions. <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Conducting Body<\/td><td>Indian Institute of Banking &amp; Finance (IIBF)<\/td><\/tr><tr><td>Exam Mode<\/td><td>Online (Computer-Based Test)<\/td><\/tr><tr><td>Exam Level<\/td><td>National<\/td><\/tr><tr><td>Eligibility<\/td><td>Candidates working in banks &amp; financial institutions and who are IIBF members<\/td><\/tr><tr><td>Exam Frequency<\/td><td>Twice a Year (May &amp; November)<\/td><\/tr><tr><td>Official Website<\/td><td>iibf.org.in<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-jaiib-2025-passing-criteria\"><span class=\"ez-toc-section\" id=\"JAIIB_2025_Passing_Criteria\"><\/span>JAIIB 2025 Passing Criteria<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To pass the JAIIB 2025 exam, candidates must score at least 150 marks in total and a minimum of 45 marks in each subject in a single attempt. If the candidate does not meet this combined requirement, they must score at least 50 marks in each subject to qualify. Once a subject is passed, that score remains valid for the next four consecutive attempts, whether or not the candidate appears for them. However, if all papers are not cleared within five attempts, the candidate will have to reappear for all subjects from scratch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-passing-criteria-for-jaiib\"><span class=\"ez-toc-section\" id=\"What_is_the_Passing_Criteria_for_JAIIB\"><\/span>What is the Passing Criteria for JAIIB?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To successfully clear the JAIIB 2025 examination, candidates must meet the minimum passing criteria set by the Indian Institute of Banking &amp; Finance (IIBF), which is at least 50 marks out of 100 in each paper. However, candidates who score a minimum of 45 marks in each paper and achieve an overall aggregate of 50% across all papers will also be considered as having passed. The details of the JAIIB passing criteria are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Condition<\/strong><\/td><td><strong>Requirement<\/strong><\/td><\/tr><tr><td>Minimum Marks per Subject<\/td><td>50 out of 100<\/td><\/tr><tr><td>Alternate Passing Option<\/td><td>45 per paper + 50% aggregate in one attempt<\/td><\/tr><tr><td>Credit Retention<\/td><td>Allowed within the attempt\/time window<\/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=Contba\" target=\"_blank\" rel=\"noreferrer noopener\">Take A JAIIB Mock Test &amp; Start Your Prep<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"heading-4\"><span class=\"ez-toc-section\" id=\"JAIIB_%E2%80%9CClass_of_Pass%E2%80%9D_Criteria\"><\/span>JAIIB &#8220;Class of Pass&#8221; Criteria<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>IIBF awards a&nbsp;<strong>Class of Pass<\/strong>&nbsp;to candidates based on their overall performance in JAIIB. This classification is applicable&nbsp;<strong>only in the first physical attempt<\/strong>&nbsp;(the very first time a candidate appears for the exam).<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>First Class:<\/strong>\u00a0Candidates who score\u00a0<strong>60% or more marks in aggregate<\/strong>\u00a0and pass all subjects in the\u00a0<strong>first attempt<\/strong>.<\/li>\n\n\n\n<li><strong>First Class with Distinction:<\/strong>\u00a0Candidates who score\u00a0<strong>70% or more marks in aggregate<\/strong>\u00a0and also secure\u00a0<strong>60 or more marks in each subject<\/strong>\u00a0in their\u00a0<strong>first attempt<\/strong>.<\/li>\n\n\n\n<li><strong>Pass Class:<\/strong>\u00a0Awarded to candidates who pass the exam but do not meet the above distinction criteria.<\/li>\n<\/ol>\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-1638522451580\"><strong class=\"schema-faq-question\">Q1. How many questions will each paper contain?<\/strong> <p class=\"schema-faq-answer\">Ans. Each paper will consist of 120 objective-type multiple-choice questions (MCQs).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1638522468957\"><strong class=\"schema-faq-question\">Q2. Can the Institute change the number of questions that can be asked for each subject?<\/strong> <p class=\"schema-faq-answer\">Ans. The Institute has the authority to change the number of questions that will be asked for each subject. There are no penalties for incorrect answers.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1638522498330\"><strong class=\"schema-faq-question\">Q3. How many marks are required to pass the exam?<\/strong> <p class=\"schema-faq-answer\">Ans. A pass is defined as a score of at least 150 in total and at least 45 in each topic in a single try.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1750178304847\"><strong class=\"schema-faq-question\">Q4. What role does SEBI play in the Indian financial system?<\/strong> <p class=\"schema-faq-answer\">Ans. SEBI regulates capital markets, licenses merchant bankers, and allows FII investments.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1750178415935\"><strong class=\"schema-faq-question\">Q5. Is there negative marking in the JAIIB PPB paper?<\/strong> <p class=\"schema-faq-answer\">Ans. No, there is no negative marking for incorrect answers.<\/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><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-analysis-2026\/\" aria-label=\"JAIIB Exam Analysis 2026, May Cycle, All Shifts Covered\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/11\/JAIIB-2-1-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-exam-analysis-2026\/\">JAIIB Exam Analysis 2026, May Cycle, All Shifts Covered<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ieifs-exam-analysis\/\" aria-label=\"JAIIB IE and IFS Exam Analysis 2026, 3rd May 2026 Detailed Analysis\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/11\/JAIIB-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ieifs-exam-analysis\/\">JAIIB IE and IFS Exam Analysis 2026, 3rd May 2026 Detailed Analysis<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-handwritten-topper-notes\/\" aria-label=\"JAIIB Handwritten Topper Notes, Crack JAIIB 2026\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/08\/JAIIB-2-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-handwritten-topper-notes\/\">JAIIB Handwritten Topper Notes, Crack JAIIB 2026<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ppb-mcqs\/\" aria-label=\"50 Most Repetitive MCQs for JAIIB PPB 2026, Download PDF\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2026\/02\/IIBF-2-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ppb-mcqs\/\">50 Most Repetitive MCQs for JAIIB PPB 2026, Download PDF<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-questions-pdf\/\" aria-label=\"JAIIB Practice Book, Download  the JAIIB Genius Free eBoook\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2024\/12\/JAIIB-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-questions-pdf\/\">JAIIB Practice Book, Download  the JAIIB Genius Free eBoook<\/a><\/li>\n<li><div class=\"wp-block-latest-posts__featured-image\"><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-important-topics\/\" aria-label=\"8 Essential Topics That Appear Every Year in JAIIB PPB Exams\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"84\" src=\"https:\/\/www.oliveboard.in\/blog\/wp-content\/uploads\/2025\/10\/JAIIB-3-1.webp\" class=\"attachment-thumbnail size-thumbnail wp-post-image\" alt=\"\" style=\"\" \/><\/a><\/div><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-ppb-important-topics\/\">8 Essential Topics That Appear Every Year in JAIIB PPB Exams<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>IIBF JAIIB Principles and Practices of Banking &#8211; Exams for JAIIB\/DBF are conducted twice a year by the Indian Institute<\/p>\n","protected":false},"author":2,"featured_media":219505,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,10353],"tags":[],"class_list":["post-86827","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>Principles And Practices Of Banking Study Notes For JAIIB<\/title>\n<meta name=\"description\" content=\"Check out this blog on the principles and practices of banking JAIIB and get study notes for IIBF JAIIB principles and practices of banking.\" \/>\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\/principles-and-practices-of-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Principles And Practices Of Banking Study Notes For JAIIB\" \/>\n<meta property=\"og:description\" content=\"IIBF JAIIB Principles and Practices of Banking - Exams for JAIIB\/DBF are conducted twice a year by the Indian Institute of Banking &amp; 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