JAIIB Syllabus 2022: The objective of the JAIIB exam is to provide basic knowledge of banking and financial services. The JAIIB syllabus is the backbone of the examination, the syllabus provides clarity and understanding of the exam. JAIIB Syllabus 2022 is vast, so candidates can break the syllabus into small chunks and can divide these chunks into days and weeks. In this way, the humongous syllabus of JAIIB can be completed in a limited period. To make the exam process smoother for aspirants we have mentioned the detailed JAIIB Syllabus 2022 in this article.
JAIIB Syllabus and Exam Pattern 2022
Junior Associate of Indian Institute of Bankers(JAIIB) is an exam conducted by the Indian Institute of Banking and Finance (IIBF) twice a year for banking and finance professionals to stay ahead in the competition. In the table below, we have summarised the other important details related to the JAIIB exam:
JAIIB Syllabus 2022 | |
Exam conducting Body | Indian Institute of Banking and Finance |
Exam Name | JAIIB 2022 |
Category | Syllabus |
Exam Level | National Level |
Mode of Exam | Online |
Type of Questions | Multiple Choice Questions |
No. of Papers | 3 Papers |
No. of Questions | 120 each paper |
Selection Process | Computer Based Test |
Official Website | www.iibf.org.in |
JAIIB Exam Pattern 2022
The JAIIB exam consists of 3 subjects which are Principles and Practices of Banking, Accounting, and Finance for Bankers, Legal and Regulatory Aspects of Banking for which the exam is conducted on different dates. The key point of the JAIIB Exam is as follows:
- There will be 120 multiple-choice type questions will be asked from each subject.
- no negative marking for wrong answers.
- A maximum duration of 2 hrs will be allotted
- JAIIB Examination will be conducted in online mode only
- Each subject holds 100 marks
Papers | Papers | No. of Questions | Total Marks | Duration |
Paper-I | Principles and Practices of Banking | 120 | 100 | 2 hours |
Paper-II | Accounting and Finance for Bankers | 120 | 100 | 2 hours |
Paper-III | Legal and Regulatory Aspects of Banking | 120 | 100 | 2 hours |
JAIIB Admit Card 2022 Download Link
JAIIB Syllabus 2022
JAIIB exam consists of 3 papers i.e. Principles and Practices of Banking, Accounting and Finance for Bankers, and Legal and Regulatory Aspects of Banking. Each paper is divided into modules. The candidates preparing for JAIIB must prepare all the topics given on the syllabus issued by the Indian Institute of Banking and Finance. The detailed syllabus for all the subjects is given below:
PAPER 1 – Principles & Practices of Banking
The paper-I consists of five Modules, these five Modules are as follows:
- Module A- Indian Financial System
- Module B- Functions of banks
- Module C- Banking Technology
- Module D- Support Services - Marketing of Banking Services/ Products
- Module E- Ethics in Banks and Financial Institutions
The detailed syllabus of all the five Modules is given below:
PAPER 1 – Principles & Practices of Banking | |
Chapters | Topics |
Module A- Indian Financial System | |
Indian Financial System- An Overview |
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Banking Regulation |
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Retail Banking, Wholesale and International Banking |
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Role of Money Markets, Debt Markets & Forex Market |
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Role and Functions of Capital Markets, SEBI |
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Factoring, Forfaiting Services, and Off-Balance Sheet items |
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Risk Management, Basel Accords |
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CIBIL, Fair Practices Code for Debt Collection, BCSB |
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Recent Developments in the Financial System |
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Module B - Functions of Banks | |
Banker Customer Relationship |
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KYC/ AML/ CFT norms |
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Bankers’ Special Relationship |
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Consumer Protection - COPRA, Banking Ombudsman Scheme | Operational Aspects of COPRA Act & Banking Ombudsman Scheme |
Payment and Collection of Cheques and Other Negotiable Instruments |
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Opening accounts of various types of customers |
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Ancillary Services |
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Cash Operations | Cash Management Services and its Importance |
Principles of Lending, Working Capital Assessment and Credit Monitoring |
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Priority Sector Advances |
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Agricultural Finance |
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Micro, Small, and Medium Enterprises |
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Government Sponsored Schemes | SGSY, SJSRY, PMRY, SLRS |
Self Help Groups |
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Cards, Home Loans, Personal Loans, Consumer Loans |
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Documentation |
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Different Modes of Charging Securities |
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Types of collaterals and their characteristics |
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Non-Performing Assets |
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Financial Literacy |
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Module C – Banking Technology | |
Essentials of Bank Computerization |
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Payment Systems and Electronic Banking |
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Data Communication Network and EFT systems |
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Role of Technology Upgradation and its impact on Banks |
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Security Considerations |
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Overview of IT Act | Gopalakrishna Committee Recommendations |
Preventive Vigilance in Electronic Banking |
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Module D – Support Services- Marketing of Banking Services/ Products | |
Marketing – An Introduction |
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Social Marketing/ Networking | Evolution, Importance & Relevance of Social Marketing/ Networking |
Consumer Behavior and Product |
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Pricing |
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Distribution |
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Channel Management | Meaning, Levels, Dynamics, Advantages |
Promotion | Role of Promotion in Marketing; Promotion Mix |
Role of Direct Selling Agent/ Direct Marketing Agent in a bank |
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Marketing Information Systems – a longitudinal analysis |
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Module E – Ethics in Banks and Financial Institutions | |
Ethics, Business Ethics & Banking: An Integrated Perspective |
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Ethics at the Individual Level |
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Ethical Dimensions: Employees |
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Work Ethics and the Workplace |
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Banking Ethics: Changing Dynamics |
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PAPER 2 – Accounting and Finance for Bankers
Paper-2 consists of four Modules, these four Modules are as follows:
- Module A- Business Mathematics and Finance
- Module B- Principles of Bookkeeping and Accounting
- Module C- Final Accounts
- Module D- Banking Operations
the detailed syllabus of all the four Modules of Paper-2 is mentioned below:
PAPER 2 – Accounting and Finance for Bankers | |
Subjects | Topics |
Module A- Business Mathematics and Finance | |
Calculation of Interest and Annuities |
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Calculation of YTM |
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Capital Budgeting |
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Depreciation and its Accounting |
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Foreign Exchange Arithmetic |
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Module B – Principles of Bookkeeping and Accounting | |
Definition, Scope, and Accounting Standards |
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Basic Accountancy Procedures |
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Maintenance of Cash/ Subsidiary Books and Ledger |
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Bank Reconciliation Statement |
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Trial Balance, Rectification of Errors, and Adjusting & Closing Entries |
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Capital and Revenue Expenditure |
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Bills of Exchange |
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Module C – Final Accounts | |
Balance Sheet Equation |
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Preparation of Final Accounts |
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Ratio Analysis |
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Final Accounts of Banking Companies |
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Company Accounts I & II |
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Accounting in a Computerized Environment |
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Module D – Banking Operations | |
Banking Operations & Accounting Functions |
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PAPER 3 – Legal and Regulatory Aspects of Banking
The paper-3, Legal and Regulatory Aspects of Banking consists of four Modules, these Modules are as follows:
- Module A-Regulations and Compliance
- Module B- Legal Aspects of Banking and Operations
- Module C- Banking Related Laws
- Module D- Commercial Laws with respect to Baking Operations
The detailed syllabus of all four Modules is given below:
PAPER 3 – Legal and Regulatory Aspects of Banking | |
Subjects | Topics |
Module A-Regulations and Compliance | |
Legal Framework of Regulation of Banks |
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Control over Organization of Banks |
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Regulation of Banking Business |
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Returns Inspection, Winding up, Mergers & Acquisitions |
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Public Sector Banks and Co-operative Banks |
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Financial Sector Legislative Reforms | Need, Approach for Financial Sector Legislative Reforms; Important Reforms |
Recent Legislative Changes in RBI Act | Recent Legislative Changes in RBI Act, Need thereof |
Financial Sector Development Council | Role and Functions of Financial Sector Development Council |
Module B- Legal Aspects of Banking and Operations | |
Different Types of Borrowers | Types of Borrowers; Limited Liability Partnership |
Types of Credit Facilities |
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Secured and Unsecured Loans, Registration of Firms and Incorporation of Companies |
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Indemnities |
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Bank Guarantees |
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Letters of Credit |
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Deferred Payment Guarantees | Purpose of DPGs; Methods of Payment |
Laws Relating to Bill Finance |
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Various Types of Securities | Types of Securities; Escrow Arrangements; Trust and Retention Arrangements |
Laws Relating to Securities and Modes of Charging – I | Mortgage; Types of Mortgage; Enforcement of Mortgages |
Laws Relating to Securities and Modes of Charging – II | Lien; Pledge; Hypothecation; etc. |
Registration and Satisfaction of Charges |
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Case Laws on Responsibility of Paying Bank |
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Case Laws on Responsibility of Collecting Bank | Statutory protection to Collecting Bank; Duties of Collecting Bank |
Module C – Banking Related Laws | |
Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act) | Objective of the Act, Constitution of Tribunal, Procedure to be followed, Enforcement process |
Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI) |
|
Banking Ombudsmen Scheme | Purpose; Extent; Definitions; Establishment; Powers; Procedure for Redressal Grievance |
Bankers Books Evidence Act, 1891 | Applicability; Definition; Important Provisions |
The Legal Services Authorities Act, 1987 | Lok Adalats- Organization; Jurisdiction; Disposal of Cases, Awards |
The Consumer Protection Act, 1986 and CERSAI |
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The Law of Limitation |
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Tax Laws |
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Negotiable Instruments Act, 1881 | Applicability; Definition; Important Provisions |
Payment & Settlements Systems Act, 2007 | Applicability; Definition; Important Provisions |
Module D – Commercial Laws with Reference to Banking Operations | |
Indian Contract Act, 1872 |
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The Sale of Goods Act, 1930 |
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Indian Partnership Act, 1932 |
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Definition and features of a company | Distinction between Company and Partnership |
The Companies Act, 1956 (Now Companies Act, 2013) |
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Foreign Exchange Management Act, 1999 |
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Transfer of Property Act, 1882 |
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The Right to Information Act, 2005 | Applicability; Definition; Important Provisions |
Right to Information and Obligation of Public Authorities | Obligations; Procedure; Disposal; Appeal; Orders; Penalties |
The Prevention of Money Laundering Act, 2002 |
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Information Technology Act, 2000 |
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