JAIIB Syllabus 2021: Check JAIIB Exam Pattern & Syllabus for Paper I, II, III

Subjects

No. of Questions

Total Marks

Duration

Principles and Practices of Banking

120

100

2 hours

Accounting and Finance for Bankers

120

100

2 hours

Legal and Regulatory Aspects of Banking

120

100

2 hours

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

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

Module

Syllabus

Module A- Regulations and Compliance

• Legal Framework of Regulation of Banks,
• Control over Organization of Banks,
• Regulation of Banking Business,
• Returns Inspection,
• Winding up,
• Mergers & Acquisitions,
• Public Sector Banks and Co-operative Banks,
• Financial Sector Legislative Reforms,
• Recent Legislative Changes in RBI Act,
• Financial Sector Development Council

Modules B- Legal Aspects of Banking Operations

• Different Types of Borrowers,
• Types of Credit Facilities,
• Secured and Unsecured Loans,
• Registration of Firms and Incorporation of Companies,
• Indemnities,
• Bank Guarantees,
• Letters of Credit,
• Deferred Payment Guarantees,
• Laws Relating to Bill Finance,
• Various Types of Securities,
• Laws Relating to Securities and Modes of Charging-I,
• Laws Relating to Securities and Modes of Charging- II,
• Registration and Satisfaction of Charges,
• Case Laws on Responsibility of Paying Bank,
• Case Laws on Responsibility of Collecting Bank

Module C- Banking Related Laws

• Recovery of Debts due to Banks and Financial Institutions Act, 1993(DRT Act),
• Securitization and Reconstruction of Financial Assets and Enforcement of Securities Interest Act (SARFAESI),
• Banking Ombudsman Scheme,
• Bankers Books Evidence Act, 1891,
• The Legal Services Authorities Act, 1987,
• The Consumer Protection Act, 1986 and CERSAI,
• The Law of Limitation,
• Tax Laws,
• Negotiable Instruments Act, 1881,
• Payment & Settlements Systems Act, 2007

Module D- Commercials Laws with Reference to Banking Operations

• Indian Contract Act, 1872,
• The Sale of Goods Act, 1930,
• Indian Partnership Act, 1932,
• Definition and features of a company,
• The Companies Act, 1956 (Now Companies Act, 2013 ),
• Foreign Exchange Management Act, 1999,
• Transfer of Property Act, 1882,
• The Right to Information Act, 2005,
• Right to Information and Obligation of Public Authorities,
• The Prevention of Money Laundering Act, 2002,
• Information Technology Act, 2000