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. The IIBF has recently released a notification regarding the new exam syllabus which will be implemented from May 2023 onwards. 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 the JAIIB Exam Syllabus, continue reading this article.
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JAIIB Syllabus
The syllabus of JAIIB is as prescribed by IIBF. It has been recently updated to reflect and adapt to the changing requirements of skills among banking professionals. 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 |
JAIIB 2023 Syllabus for Paper I - Indian Economy and Indian Financial System
IIBF has released the official syllabus for JAIIB 2023 Find the paper-wise topics below for a detailed understanding of the content of the exam. The first paper will be Indian Economy and Indian Financial System.
| Module | Syllabus |
|---|
| Module A- Indian Economic Architecture | - An overview of the Indian Economy
- Economic Planning in India
- Sectors of the Indian Economy
- Role of Priority Sector and MSME in the Indian Economy
- Infrastructure including Social Infrastructure
- Globalization -Impact on India
- Economic Reforms
- Foreign Trade Policy, Foreign Investments, and Economic Development
- International Economic Organisations (World Bank, IMF, etc.)
- Climate change, Sustainable Development Goals (SDGs)
- Issues facing the Indian Economy
|
| Modules B- Economic Concepts Related to Banking | - Fundamentals of Economics, Microeconomics Macroeconomics and Types of Economies
- Supply and Demand
- Money Supply and Inflation
- Theories of Interest
- Business Cycles
- Monetary Policy and Fiscal Policy
- National Income and GDP Concepts
- Union Budget
|
| Module C- Indian Financial Architecture | - Indian Financial System — An Overview
- Indian Banking Structure
- Banking Regulation Act, 1949, and RBI Act, 1934
- Development Financial Institutions
- Micro Finance Institutions
- Non-Banking Financial Companies
- Insurance Companies
- Indian Financial System - Regulators & their roles
- Reforms & Developments in the Banking sector
|
| Module D- Financial Products and Services | - Overview of Financial Markets
- Money Markets and Capital Markets
- Fixed Income Markets - Debt / Bond Markets
- Capital Markets and Stock Exchanges
- Forex Markets
- Interconnection of various markets/Market Dynamics
- Merchant Banking Services
- Derivatives Market including Credit Default Swaps
- Factoring, forfaiting & Trade Receivables Discounting System (TReDS)
- Venture capital
- Leasing and Hire Purchase
- Credit Rating agencies & their functions
- Mutual Funds
- Insurance Products
- Pension Funds (include APY, NPS)
- Guidelines on Para Banking & Financial Services provided by Banks
- Real Estate Investment Funds / Infrastructure Investment Fund (concept)
|
JAIIB 2023 Syllabus for Paper II - Principles and Practices of Banking
Paper II is Principles and Practices of Banking. Candidates can find the details of the topics in the table below:
| Module | Syllabus |
|---|
| Module A- General Banking Operations | - Banker-Customer Relationship
- AML-KYC Guidelines
- Operational Aspects of KYC
- Opening Accounts of Various Types of Customers
- Operational Aspects of Deposit Accounts
- Operational Aspects of Handling Clearing/Collection/Cash
- Banker's Special Relationship
- Foreign Exchange Remittance Facilities for Individuals,
- Operational Aspects of NRI Business
- Foreign Currency Accounts for Residents and Other Aspects
- Cash Management Services and Its Importance
- Payment and Collection of Cheques and Other Negotiable Instruments
- Responsibility of Paying Bank
- Responsibility for Collecting Bank
- Ancillary Services
- Financial Inclusion & Financial Literacy
- Customer Service Guidelines
- Duties & Rights of a Banker and Customer Rights
- Grievance Redressal & RBI Integrated Ombudsman Scheme 2021
- The Consumer Protection Act, 2019: Preamble, Extent, and Deflations
- The Right to Information Act, 2005
|
| Modules B- Lending Operations of Banking | - Principles of Lending, Different Types of Borrowers, and Types of Credit Facilities,
- Appraisal and Assessment of Credit Facilities
- Operational Aspects of Loan Accounts
- Types of Collaterals and Their Characteristics
- Different Modes of Charging Securities
- Documentation
- Non-Performing Assets! Stressed Assets
- Important Laws Relating to Recovery Of Dues
- Contracts of Indemnity
- Contracts of Guarantee & Bank Guarantee
- Letters of Credit,
- Deferred Payment Guarantee
- Laws Relating to Bill Finance
- Personal Finance
- Priority Sector Advances
- Agricultural Finance
- Finance to MFIs/Co-Lending Arrangements With NBFCs
- Micro, Small and Medium Enterprises in India
- Government Sponsored Schemes
- Self-Help Groups
|
| Module C- Banking Technology | - Essentials of Bank Computerisation
- Operational Aspects of CBS Environment
- Alternate Delivery Channels Digital Banking
- Data Communication Network and EFT Systems
- Digital Payment Systems ~ NPCI
- Impact of Technology Adoption and Trends in Banking Technology
- Security Considerations and Mitigation Measures in Banks
- Operational Aspects of Cyber Crimes/Fraud Risk Management in Cyber Tech
- Technology Trends in Banking, e-RUPI, Fintech - RegTech, SupTech, Hashtag Banking etc.
|
| Module D- Ethics in Bank and Financial Institutions | - Ethics, Business Ethics & Banking: An Integrated Perspective
- Ethics at the Individual Level
- Ethical Dimensions: Employees
- Work Ethics and the Workplace
- Banking Ethics: Changing Dynamics
|
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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 including Ind AS
- Basic Accountancy Procedures
- Maintenance of Cash/Subsidiary Books and Ledger
- Bank Reconciliation Statement
- Trial Balance, Rectification of Errors, and Adjusting & Closing Entries
- Depreciation & its Accounting
- Capital and Revenue Expenditure
- Bills of Exchange
- Operational Aspects of Accounting Entries
- Back Office Functions/Handling Unreconciled Entries in Banks
- Bank Audit & Inspection
|
| Modules B- Financial Statements and Core Banking Systems | - Balance Sheet Equation
- Preparation of Final Accounts
- Company Accounts — I
- Company Accounts - IT
- Cash Flow & Funds Flow
- Final Accounts of Banking Companies
- Core Banking Systems & Accounting in a Computerised Environment
|
| Module C- Financial Management | - An Overview of Financial Management
- Ratio Analysis
- Financial Mathematics - Calculation of Interest & Annuities
- Financial Mathematics - Calculation of YTM
- Financial Mathematics - Forex Arithmetic
- Capital Structure and Cost of Capital
- Capital Investment Decisions/Term Loans
- Equipment Leasing/Lease Financing
- Working Capital Management
- Derivatives
|
| Module D- Taxation and FUndamentals of Costing | - Taxation: Income Tax/TDS/Deferred Tax
- Goods & Services Tax
- An Overview of Cost & Management Accounting
- Costing Methods
- Standard Costing
- Marginal Costing
- Budgets and Budgetary Control
|
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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 | - Retail Banking: Introduction.
- Retail Banking: Role within the Bank Operations
- Applicability of Retail Banking Concepts; Distinction between Retail and Corporate/Wholesale Banking
- Branch Profitability
|
Module B: Retail Products and Recovery | - Customer Requirements
- Product Development Process
- Credit Scoring
- Important Retail Liability Products
- Important Retail Asset Products
- Credit and Debit Cards
- Remittance Products
- Digitization of Retail Banking Products
- Role of Al and Technology in Retail Banking
- Recovery of Retail Loans
- Management Information Systems
- Securitization
|
Module C: Support Services- Marketing of Banking Services and Products | - Marketing: An Introduction
- Delivery Channels in Retail Banking
- Delivery Models
- Customer Relationship Management in Retail Banking
- Service Standards for Retail Banking
- Marketing Information Systems- A Longitudinal Analysis
|
| Module D: Wealth Management | - Importance of Wealth Management
- Investment Management
- Tax Planning
- Other Financial Services Provided by Banks
|
ADDITIONAL READING MATERIAL ON HOME LOANS
Lender's Appraisal Procedure
Appraisal Procedures; Application Form; Documents to be Submitted for Availing a Home Loan;
Application Received through Agent; Appraisal of Loan Request; Other Relevant Issues at Pre-sanction ‘Stage; Documentation; Mortgage; Registration of Documents; Detection of Forged and Fabricated Title Deeds; Other Securities; Registration of Charges with CERSAI on Security Internet; Monitoring; Closure of Account; Home Loan Frauds
Housing Finance and Tax Planning
Tax Benefits in Respect of Housing Finance
Mortgage Advice
Development of "Home Information Packs"; Time Value of Money-interest and Annuities; Capital
Gains; Loan Calculator and Loan Amortization Schedule
Valuation of Real Property
Who does Valuation?; Land with Building: Life of Structures; Sinking Fund; Reverse Mortgage
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