JAIIB PPB Syllabus 2024

JAIIB PPB Syllabus 2024 & Exam Pattern

• 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

JAIIB PPB Syllabus 2024

• Cash Management Services and its Importance
• Payment and Collection of Cheques and Other Negotiable Instruments
• Responsibility of Paying Bank
• Responsibility of 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
•  Consumer Protection Act, 2019
• Right to Information Act, 2005

JAIIB PPB Syllabus 2024

Module B: Functions of Banks

• 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

JAIIB PPB Syllabus 2024

Module C: Banking Technology

• Essentials of Bank Computerization
• 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.

JAIIB PPB Syllabus 2024

Module D: Ethics in Banks 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

JAIIB PPB Syllabus 2024

Chapters	Topics
Module A – General Banking Operations	JAIIB PPB Syllabus 2024
Banker-Customer Relationship	Requirements to be Called a Bank, Banker-Customer Relationship, Bank as a Trustee, Bailee-Bailor Relationship, Agent-Principal Relationship, Lessor and Lessee, Indemnifier and Indemnified, Different Deposit Products or Services, Services to Customers and Investors
AML-KYC Guidelines	Money Laundering & Financing of Terrorism Risks, AML Framework in India, Know Your Customer Policy, Organisational Set-up for AML, Obligations under PMLA, Risk Management, Obligations under International Agreements, FATF Identified Jurisdictions, Correspondent Banks, Reporting Under FATCA/CRS, Reporting Obligations, Implications of Non-compliance of PMLA Obligations, Secrecy Obligations
Operational Aspects of KYC	Know Your Customers (KYC) Norms, Wire Transfers, Other Operations – Regulations, Central KYC Records Registry (CKYCR), Monitoring of Transactions
Opening Accounts of Various Types of Customers	Personal Accounts, Accounts of Other Customers, Norms for Opening Current Accounts, Obtaining Photographs of Account Holders, Legal Entity Identifier
Operational Aspects of Deposit Accounts	Salient Feature of Deposit Accounts, Interest on Deposit Accounts, Prohibitions & Exemptions, Inoperative Accounts & Unclaimed Deposits, Operational Instructions in Joint Accounts, Nomination Facility, Other Operational Guidelines, Attachment Orders, Procedure for Submission of Records to Statutory Authorities
Operational Aspects of Handling Clearing/Collection/Cash	Cheque Truncation System (CTS), RBI Guidelines on Collection of Instruments, Cash and its Custody, Security Arrangements at Branches and ATMs
Banker’s Special Relationship	Mandate – Definition, Power of Attorney (POA) – Definition, Banker’s Lien, Right of Set-off, Right of Appropriation
Foreign Exchange Remittance Facilities for Individuals	Evolution of FEMA, Definitions, Bringing in and Taking out Foreign Exchange, Inward Remittances, Outward Remittances, Indo-Nepal Remittance Scheme
Operational Aspects of NRI Business	Permitted Accounts in India for NRIs and PIOs, Accounts in India of Foreign Nationals Visiting India, Special Non-Resident Rupee Account – SNRR Account, Remittance of Assets Held by NRIs/PIOs, Acquisition and Transfer of Immovable Property in India by a Non-Resident Indian (NRI), Creation of Charge on Immovable Property in India, Repatriation of Income and Sale, Proceeds of Assets Held Abroad by NRIs, Investments by NRIs/PIOs
Foreign Currency Accounts for Residents and Other Aspects	Types of Accounts Permitted, Foreign Currency Denominated Accounts in India, Permitted Foreign Currency Accounts Outside India, Remittance of Assets by Foreign Nationals not Being PIOs, Modes of Acquiring Property Outside India by a Resident, Foreign Contribution (Regulation) Act 2010
Cash Management Services and Its Importance	Developments in CMS, Importance of Cash Management System, Types of Cash Management Services, Challenges and Issues
Payment and Collection of Cheques and Other Negotiable Instruments	Negotiable Instruments Act, Payment of a Cheque, Payment in due course – Section 10, Liability of the Paying Bank – Section 31, Collection of Cheques – Duties of a Collecting Bank, Endorsement of Cheques, Crossing of Cheques, Forged Instruments, Bouncing (Dishonour) of Cheques, Cheque Truncation System
Responsibility of Paying Bank	Negotiable Instruments Act and Paying Banks, Liability of Paying Banker when Customer’s Signature on the Cheque is Forged, Payment to be in Due Course for Bank to Seek Protection, Payment in Good Faith without Negligence of an Instrument on which Alteration is not Apparent, Payment by Bank Under Mistake Whether Recoverable, Cheque Truncation
Responsibility of Collecting Bank	Statutory Protection to Collecting Bank, Duties of the Collecting Bank
Ancillary Services	Remittances: Introduction, Demand Drafts (DD) and Banker’s Cheques (BC), Mail Transfer (MT), Telegraphic Transfer (TT), National Electronic Funds Transfer System (NEFT), Real Time Gross Settlement System (RTGS), Electronic Benefit Transfer (EBT) Scheme, Mobile Banking in India, Electronic/Digital Payments, Safe Deposit Lockers, Portfolio Management Services, Merchant Banking, Government Business, Levying of Service Charges
Financial Inclusion & Financial Literacy	Financial Inclusion by Extension of Banking Services, Use of Mobiles/Tablets in Financial Inclusion Drive, Financial Literacy, Rural Self Employment Training Institutes (RSETI)
Customer Service Guidelines	Customer Service in Banks, Policy for General Management of the Branches, ATM Operations, Security Issues and Risk Mitigation Measures, Service at the Counters, Information to the Customers, Special Arrangements at Branches, Other Provisions
Duties & Rights of a Banker and Customer Rights	Duty of Secrecy & Confidentiality, Duty of Reasonable Care, Garnishee or Attachment Order, Bank’s Rights, Customer Awareness, Banking Codes and Standards Board of India, Obligations on the Customer
Grievance Redressal & RBI Integrated Ombudsman Scheme 2021	Model Policy on Grievance Redressal, Internal Machinery to Handle Customer Complaints/Grievances, The RBI – Integrated Ombudsman Scheme
The Consumer Protection Act, 2019: Preamble, Extent and Definitions	Purpose of The Act, Preamble and Extent, Act not Overriding on Any Other Law, Salient New Aspects of CPA 2019, Definitions, Various Fora Consumer Protection Councils, Central Consumer Protection Authority, Consumer Disputes Redressal Commissions, Jurisdictions of Commissions, Complaints to District Commissions, Complaints to State Commissions/National Commission, Appeals Against Orders of District/State Commission, Other Aspects, Mediation Process, Product Liability, Unfair Contracts, Data Protection
The Right to Information Act, 2005	Applicability, Definitions, Right to Information, Obligations of Public Authorities, Designation of Public Information Officers, Procedure for Obtaining Information, Disposal of Request, Appeal, Orders in Appeal, Central Information Commission, State Information Commission, Penalties, Act to Have Overriding Effect
Module B – Functions of Banks	JAIIB PPB Syllabus 2024
Banker Customer Relationship	Types; Different Deposit Products & Services, Services to Customers & Investors
KYC/AML/CFT norms	PMLA Act, KYC Norms, Bankers’ Special Relationship, Mandate; POA, Garnishee Orders, Banker’s Lien
Consumer Protection – COPRA, Banking Ombudsman Scheme	Operational Aspects of COPRA Act & Banking Ombudsman Scheme
Payment and Collection of Cheques and Other Negotiable Instruments	NI Act; Role & Duties of Paying & Collecting Banks, Endorsements; Forged Instruments, Bouncing of Cheques, Its Implications, Return of Cheques, Cheque Truncation System
Opening accounts of various types of customers	Operational Aspects of opening and Maintaining Accounts of Different Types of Customers including Aadhaar, SB Rate Deregulation
Ancillary Services	Remittances, Safe Deposit Lockers, Govt. Business, EBT, Cash Operations Cash Management Services and its Importance
Principles of Lending, Working Capital Assessment and Credit Monitoring	Cardinal Principles, Non-fund Based Limits, WC, Term Loans, Credit Appraisal Techniques, Sources of WC Funds & its Estimation, Operating Cycle, Projected Net WC, Turnover Method, Cash Budget, Credit Monitoring & Its Management, Base Rate
Priority Sector Advances	Targets; Sub-Targets, Recent Developments
Agricultural Finance	Types of Agricultural Loans, Risk Mitigation in agriculture (NAIS, MSP, etc.)
Micro, Small, and Medium Enterprises	MSMED Act, 2006 Policy Package for MSMEs, Performance and Credit Rating Scheme, Latest Developments
Government Sponsored Schemes	SGSY, SJSRY, PMRY, SLRS
Self Help Groups	Need for & Functions of SHGs, Role of NGOs in Indirect Finance to SHGs, SHGs & SGSY Scheme; Capacity Building
Cards, Home Loans, Personal Loans, Consumer Loans	Operational Aspects, Advantages, Disadvantages & Guidelines of Credit Cards, Procedure and Practices for Home Loans, Personal Loans and Consumer Loans, Documentation
Different Modes of Charging Securities	Assignment; Lien; Set-off; Hypothecation, Pledge; Mortgage
Types of collaterals and their characteristics	Land & Buildings; Goods, Documents of Title to Goods, Advances against Insurance Policies, Shares, Book Debts, Term Deposits, Gold, etc., Supply Bills
Non-Performing Assets	Definition; Income Recognition, Asset Classification, Provisioning Norms; CDR
Financial Inclusion BC; BF	Role of ICT in Financial Inclusion, Mobile-based transactions, RSETI, Financial Literacy Importance of financial literacy, Customer awareness
Module C – Banking Technology	JAIIB PPB Syllabus 2024
Essentials of Bank Computerization	Computer Systems; LANs; WANs, UPS; Core Banking
Payment Systems and Electronic Banking	ATMs; HWAK; PIN, Electromagnetic Cards, Electronic Banking, Signature Storage & Retrieval System, CTS; Note & Coin Counting Machines, Microfiche; NPC; RUPAY
Data Communication Network and EFT systems	Components & Modes of Transmission, Major Networks in India, Emerging Trends in Communication Networks for Banking, Evolution of EFT System; SWIFT, Automated Clearing Systems, Funds Transfer Systems; Recent Developments in India
Role of Technology Upgradation and its impact on Banks	Trends in Technology Developments, Role & Uses of Technology Upgradation; Global Trends, Impact of IT on Banks
Security Considerations	Risk Concern Areas, Types of Threats, Control Mechanism, Computer Audit, IS Security; IS Audit, Evaluation Requirements, Overview of IT Act Gopalakrishna Committee Recommendations
Preventive Vigilance in Electronic Banking	Phishing; Customer Education, Safety Checks; Precautions
Module D – Ethics in Banks and Financial Institutions	JAIIB PPB Syllabus 2024
Ethics, Business Ethics & Banking: An Integrated Perspective	Business Ethics, Ethical Foundation, Banking Ethics in Global and Indian Contexts
Ethics at the Individual Level	Values, Norms, Beliefs, Morality, Conflict, Integrity, Golden Rule, Dilemmas, Decision-Making
Ethical Dimensions: Employees	Obligation to Bank/ Third Parties, Abuse of Official Position, Sexual Harassment, Conflict of Interest, Fair Accounting Practices, HRM Ethics, Employees as Ethics Ambassadors & Managers as Ethical Leaders
Work Ethics and the Workplace	Work Ethics, Benefits of Ethical Behavior, Unethical Behavior: Causes and Remedies, Code of Ethics Manual, Whistleblowing in Banks, Whistleblowing Laws in India
Banking Ethics: Changing Dynamics	Ethics and Technology, Data Security and Privacy, Intellectual Property Rights, Patents, and Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management

JAIIB PPB Exam Pattern 2024

The Indian Institute of Banking and Finance (IIBF) conducts the JAIIB Examination, which is extremely recognized within the banking sector. It is a certification that helps banking professionals get promoted promoted. This examination is specifically designed to enhance the information and expertise of young banking professionals.

The JAIIB PPBB paper consists of 100 questions and each query will carry 1 mark. The period of JAIIB Rules and Practices of Banking paper is 2-hour. There isn’t a detrimental marking and candidates require a minimum of fifty marks out of 100 to clear the paper.

JAIIB PPB Syllabus 2024

JAIIB PPB Exam Pattern 2024
Subjects	No. of Questions	Total Marks	Duration
Principles and Practices of Banking	100	100	2 hours

JAIIB PPB Preparation Tips

1. Identify Key Improvement Areas – Analyze your preparation to establish weaker areas. Give attention to Modules A and B to strengthen your understanding.
2. Make Notes for Easy Revision – On account of time constraints, create concise notes of key factors. Spotlight essential subjects for last-minute revision earlier than the examination.
3. Prioritize Important Sections – Give attention to Modules A and B, as they’re important. Modules C and D are simpler and could be realized shortly.
4. Revise in Order of Priority – Prioritize the primary two modules throughout revision. Guarantee thorough understanding of those modules earlier than overlaying principal subjects within the different modules.
5. Mock Tests – Take mock exams to familiarize your self with the examination format. PW presents mock exams with AI-powered evaluation to assist observe progress and establish strengths and weaknesses.

JAIIB PPB Syllabus 2024

A: General Banking Operations

Give attention to understanding the final features of banks. Key subjects embody:
– Banker-Buyer Relationship, AML-KYC Norms, and Opening Accounts
– Operational Facets, International Forex, and Buyer Rights

B: Lending Operations of Banks

Essential subjects embody:
– Rules of Lending, Operational Facets, and Evaluation of Credit score Services
– Non-Performing Property, Restoration of Dues, Letters of Credit score, MSMEs in India, and SHGs

JAIIB PPB Syllabus 2024

C: Banking Technology

Covers know-how integration in banking, together with computerization, digital funds, and related safety issues.

D: Ethics in Banks and Financial Institutions

Discusses the importance of ethics in banking as a life ability essential for offering high quality service and stopping unlawful actions.

JAIIB PPB Syllabus 2024

Official Website: www.iibf.org.in

Category: Syllabus