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. The IIBF has recently released a notification regarding the new exam syllabus which will be implemented from November/December 2022 onwards or latest from the May / June 2023 onwards, in any case. If you have registered for the exam or are interested in the JAIIB Exam Syllabus, continue reading this article.
JAIIB Syllabus
The syllabus of JAIIB is as prescribed by IIBF. Each of the papers is further divided into 4 modules, the details of which are presented below in a tabular format.
JAIIB Syllabus for Paper I
The JAIIB paper I is Principles and Practices of Banking. 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
|
| Module E- Ethics in Banks and Financial Institutions | - Ethics, Business Ethics & Banking: An Integrated Perspective
- Ethics at the Individual Level
- Ethical Dimension Employees
- Work Ethic and The Workplace
- Banking Ethics: Changing Dynamic
|
JAIIB Syllabus for Paper II
The syllabus of JAIIB paper II for all modules is discussed here. Paper 2 is accounting and finance for banks.
| 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
|
JAIIB Syllabus for Paper III
The syllabus for the Paper III i.e., Legal and Regulatory Aspects of Banking is given below.
| 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
|
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