IIBF conducts JAIIB Examination to recruit Junior Associate of 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. 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 a 1/4th negative mark for each wrong answer.
- 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 Syllabus for Paper I
The JAIIB paper I is Indian Economy and Indian Financial System. IIBF has not released a detailed syllabus as of yet, and so we will update it when it is released.
JAIIB Syllabus for Paper II
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- Indian Financial System | - Indian Financial System – An Overview,
- Banking Regulation,
- Retail Banking,
- Wholesale and International Banking,
- Role of Money Markets,
- Debt Markets & Forex Market,
- Role and Functions of Capital Markets,
- SEBI,
- Mutual Funds & Insurance Companies,
- Bancassurance & IRDA,
- Factoring,
- Forfaiting Services and Off-Balance Sheet items,
- Risk Management,
- Basel Accords,
- CIBIL,
- Fair Practices Code for Debt Collection,
- BCSBI,
- Recent Developments in the Financial System
|
| Modules B- Functions of Banks | - 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- Support Services, Marketing of Banking | - Services/ Products,
- Marketing – An Introduction,
- Social Marketing / Networking,
- Consumer Behaviour and Product,
- Pricing,
- Distribution,
- Channel Management,
- Promotion,
- Role of Direct Selling Agent / Direct Marketing Agent in a bank,
- Marketing Information Systems – a longitudinal analysis
|
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JAIIB Syllabus for Paper III
The syllabus for the Paper III i.e., Accounting and Finance for Bankers is given below.
| Module | Syllabus |
|---|
| Module A- Business Mathematics and Finance | - Calculation of Interest and Annuities,
- Calculation of YTM,
- Capital Budgeting,
- Depreciation and its Accounting,
- Foreign Exchange Arithmetic
|
| Modules B- Principles of Bookkeeping and Accounting | - Definition,
- Scope and Accounting Standards,
- Basic Accounting Procedures,
- Maintenance of Cash / Subsidiary Books and Ledger,
- Bank Reconciliation Statement,
- Trial Balance,
- Rectification of Errors and Adjusting & Closing Entries,
- Capital and Revenue Expenditure,
- Bills of Exchange
|
| Module C- Final Accounts | - Balance Sheet Equation,
- Preparation of Final Accounts,
- Ratio Analysis,
- Final Accounts of Banking Companies,
- Company Accounts I & II,
- Accounting in a Computerized Environment
|
| Module D- Banking Operations | - Banking Operations & Accounting Functions
|
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. This is mainly based on topics from CAIIB and DBF.
| Module A: Introduction to Retail Banking | This is basically the introductory module. It'll cover the following topics: Definition and description of retail banking Advantages and constraints of retail banking Prerequisites for retail banking Challenges to retail banking Reasons for growth in the retail banking sector Products and services offered by the retail banking sector |
Module B: Retail Products and Recovery | Customer Requirement Product Development Process Credit Scoring Important Retail Asset Products Credit and Debit Cards Remittance Period Recovery in Retail Banking:Repayment in Retail Loans Defaults and Rescheduling in Retail Loans Monitoring of Loan Accounts Classification of Irregular Loan Accounts Recovery Policy of Banks SARFAESI Act 2002 Debt Recovery Tribunals Recovery through Lok Adalat Recovery Agents |
Module C: Support Services- Marketing of Banking Services and Products | Marketing in Retail Banking Delivery Channels in Retail Banking Customer Relationship Management in Retail Banking Service Standards for Retail Banking Technology in Retail Banking |
Module D: Wealth Management | Introduction to Financial Planning Risk Analysis, Insurance, and Retirement Planning Investment Planning, Tax Planning, and Estate Planning |
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