IIBF conducts JAIIB Examination to recruit Junior Associates of the Indian Institute of Bankers. This examination is conducted for candidates who are already working in the banking sector and are members of the institute. The recruitment is not open to the common public. IIBF has announced the registration and exam dates for JAIIB May 2023 cycle and JAIIB October 2023 cycle on their official website. If you have registered for the exam or are interested in knowing more about the JAIIB 2023 Exam Pattern read ahead!
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JAIIB Exam Pattern
The JAIIB examination pattern has been officially released. According to the updated exam pattern, JAIIB 2023 will have four papers. The details of the JAIIB Exam Pattern are mentioned below:
The JAIIB Examination has four papers
- Indian Economy and Indian Financial System
- Principles and Practices of banking
- Accounting and Finance for Bankers
- Retail Banking and Wealth Management
JAIIB Exam Type
- It is an objective type examination.
- Each paper has 100 questions.
- The total marks of each paper are 100.
- The time limit of the examination is 120 minutes.
| Subjects | No. of Questions | Total Marks | Duration |
|---|
| Indian Economy & Indian Financial System | 100 | 100 | 2 hours |
| Principles & Practices of Banking | 100 | 100 | 2 hours |
| Accounting and Finance for Bankers | 100 | 100 | 2 hours |
| Retail Banking & Wealth Management | 100 | 100 | 2 hours |
Marking scheme of JAIIB Examination
The marking scheme of the Junior Associate of Indian Institute of Bankers Examination is mentioned below:
- There will be no negative marking.
- The minimum mark for passing in each subject will be 50 out of 100.
- Candidates that secure at least 45 marks in each subject with an aggregate of 50% marks in all subjects of the examination in a single attempt will also qualify.
- Each paper is of 100 marks.
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Passing criteria of JAIIB examination
The following are the salient points in terms of the number of attempts and time frame to clear this exam:
- A candidate can avail 5 attempts for completion of each exam (JAIIB / DB&F / SOB / CAIIB) but, within a maximum period of three years whichever is earlier.
- This attempt will be counted from the time the candidate registers for the exam.
- These 5 attempts need not be consecutive.
- Candidates unable to pass the examination within 3 years or 5 attempts, whichever is earlier, will need to re-enroll themselves afresh. Such candidates will not receive credit/s for subject/s passed, if any, earlier.
- The time limit of 3 years or 5 attempts, whichever is earlier, will start from the date of registration for the first attempt.
- Attempts will be counted when the candidate applies for the exam, irrespective of whether the candidate appears for any examination or not.
- A candidate will be eligible to apply for any five examinations out of the six examinations within the stipulated period of three years.
- If a candidate avails of all five attempts before the completion of three years, they will have to re-enroll afresh. Similarly, if a candidate does not avail five attempts but three years are over, they will have to re-enroll themselves afresh.
JAIIB Exam Syllabus 2023
The syllabus of JAIIB is as prescribed by IIBF. They have released an updated syllabus for JAIIB 2023. Each of the papers is further divided into 4 modules, the details of which are presented below in a tabular format.
| Module | Paper I-
Indian Economy &
Indian Financial
System | Paper II-
Principles & Practices of
Banking | Paper III-
Accounting & Financial Management for
Bankers | Paper IV-
Retail Banking & Wealth Management |
| A | Indian Economic
Architecture | General
Banking Operations | Accounting Principles
and Processes | Introduction to Retail
Banking |
| B | Economic Concepts Related to banking | Lending Operations of
Banks | Financial Statements
and Core Banking Systems | Retails Products and
Recovery |
| C | Indian Financial
Architecture | Banking Technology | Financial Management | Support Services – Marketing of Banking Services / Products |
| D | Financial Products
and Services | Ethics in Banks and Financial Institutions | Taxation and Fundamentals of
Costing | Wealth Management |
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JAIIB 2023 Syllabus for Paper I - Indian Economy and Indian Financial System
The JAIIB paper I is Indian Economy and Indian Financial System. IIBF has not released a detailed syllabus as of yet. However, here, we will provide a rough idea of the syllabus you can expect for this paper.
| Module | Syllabus |
|---|
| Module A- Indian Economic Architecture | - The fundamentals of Economics:
- Macroeconomics
- Indian Economy
|
| Modules B- Economic Concepts Related to Banking | - Money and Banking
- Functions of Money
- Demand for Money and Supply of Money
- Demand for Money
- Supply of Money
- Money Creation by Banking System
- Balance Sheet of a Fictional Bank
- Limits to Credit Creation and Money Multiplier
- Policy Tools to Control Money Supply
|
| Module C- Indian Financial Architecture | - Financial System
- Financial Markets
|
| Module D- Financial Products and Services | - Types of Financial Services:
- Banking
- Professional Advisory
- Wealth Management
- Mutual Funds
- Insurance
- Stock Market
- Treasury/Debt Instruments
- Tax/Audit Consulting
- Capital Restructuring
- Portfolio Management
|
JAIIB 2023 Syllabus for Paper II - Principles and Practices of Banking
The syllabus of JAIIB paper II for all modules is discussed here. Paper 2 is Principles and Practices of Banking. This table shows the syllabus for the previous Paper I, ie., Principles and Practiced of Banking, which is now Paper II. The paper is divided into 4 modules.
| Module | Syllabus |
|---|
| Module A- General Banking Operations | To be Updated |
| Modules B- Lending Operations of Banking | - Banker Customer Relationship,
- KYC / AML / CFT norms,
- Bankers' Special Relationship,
- Consumer Protection - COPRA,
- Banking Ombudsman Scheme,
- Payment and Collection of Cheques and Other Negotiable Instruments,
- Opening accounts of various types of customers,
- Ancillary Services,
- Cash Operations,
- Principles of lending,
- Working Capital Assessment and Credit Monitoring,
- Priority Sector Advances,
- Agricultural Finance,
- Micro, Small and Medium Enterprises,
- Government Sponsored Schemes,
- Self Help Groups,
- Credit Cards,
- Home Loans,
- Personal Loans,
- Consumer Loans,
- Documentation,
- Different Modes of Charging Securities,
- Types of collaterals and their characteristics,
- Non-Performing Assets,
- Financial Inclusion,
- Financial Literacy
|
| Module C- Banking Technology | - Essentials of Bank Computerization,
- Payment Systems and Electronic Banking,
- Data Communication Network and EFT systems,
- Role of Technology Upgradation and its impact on Banks,
- Security Considerations,
- Overview of IT Act,
- Preventive Vigilance in Electronic Banking
|
| Module D- Ethics in Bank and Financial Institutions | - Ethics, Business Ethics and Banking, An integrated Perspective
- Ethical Dimensions, Employees
- Ethics at the Individual Level
- Banking Ethics, Changing Dynamics
- Work Ethics and the Workplace
|
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JAIIB 2023 Syllabus for Paper III - Accounting and Financial Management for Bankers
The syllabus for the Paper III i.e., Accounting and Finance for Bankers is given below.
| Module | Syllabus |
|---|
| Module A- Accounting Principles and Processes | - Definition, Scope, and Accounting Standards
- Basic Accounting Procedures
- Bank Reconciliation Statement
- Advantages of Bank Reconciliation Statement
- Bills of Exchange
- Depreciation and its Accounting
|
| Modules B- Financial Statements and Core Banking Systems | - Preparation of Final Accounts
- Company Accounts
- Overview of the Indian Banking System
- Banking Operations
|
| Module C- Financial Management | - Overview of Financial Management
- Tools for Financial Analysis and Planning
- Cost of Capital
- Capital Budgeting
|
| Module D- Taxation and FUndamentals of Costing | - Basics of Taxation
- Direct and Indirect Taxes
- Income Tax
- Fundamentals of CostingNon-Performing
|
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JAIIB 2023 Syllabus for Paper IV - Retail Banking and Wealth Management
Oliveboard has compiled a tentative syllabus for Retail Banking and Wealth Management which is the new Paper IV for JAIIB 2023.
| Module A: Introduction to Retail Banking | - History and definition
- Role within the bank operations
- Applicability of retailing concepts
- Distinction between Retail and Corporate/ Wholesale Banking.
|
Module B: Retail Products and Recovery | - Retail Products Overview
- Important Asset Products
- Auto/ Vehicle Loans
- Personal Loans
- Credit and Debit Cards
- Reverse Mortgage
- Recovery of Retail Loans
|
Module C: Support Services- Marketing of Banking Services and Products | - Marketing in Retail Banking
- Retail Strategies
- Delivery Channels
- Customer Relationship Management
|
Module D: Wealth Management | - Fund Distribution
- Loan Management
- Real Estate
- Risk Management
- Tax Laws
- Banking and Insurance Products
- Debt Management
- Investment Vehicles
- Tax Planning
- Real Estate
- Client Evaluation Methods
- Fixed Income Money Markets
- Equity and Debt Markets
- Banking Products
- Mutual Fund Basic and Structure
- Foreign Exchange
- Legal and Regulatory Framework
- Banking Channels
|
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