Are you anxious about clearing the RBWM paper in the JAIIB 2025 exam? Do concepts like ROA, NII, Maslow’s Hierarchy, or BSBDA accounts still confuse you?
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- 🔍 Complex concepts using real-life bank examples
- ✅ 50+ exam-focused questions (including PYQs)
- 🧠 Memory tricks and RBI regulations you must remember
- 📈 Scoring strategies to hit 60+ with ease
👇 So grab your notepad and press play—
Watch the video, and don’t forget to share your doubts in the comments!
⏱️ RBWM Module A & B: Timestamps & Breakdown
00:00 – Welcome + What This Session Will Cover
We start with the roadmap of the video. You’ll learn how this session is structured and how to make the most of the PDF + MCQ combo.
Tip: Watch with your JAIIB PDF notes open!
05:30 – ROA vs ROE: Understand the Real Difference
Ever confused Return on Assets (ROA) with Return on Equity (ROE)?
Formulas:
- ROA = Net Profit / Total Assets
- ROE = Net Profit / Shareholder’s Equity
Analogy: ROA is like a car’s mileage; ROE is your income from the rideshare business.
10:45 – What’s Net Interest Income (NII) & Why It Matters
Formula: NII = Interest Earned – Interest Paid
It reflects the bank’s gross profit from core operations—critical for exam MCQs.
16:20 – What is SBU (Strategic Business Unit) in Banking?
SBUs run like mini-companies within a bank—Retail, Corporate, Treasury, etc.
Exam Tip: Know their features and independence.
22:35 – Maslow’s Hierarchy in Bank Marketing Strategy
Maslow’s 5 Needs explained using banking services:
- Physiological – Basic Savings A/c
- Safety – PPF, FD, Insurance
- Belonging – RM services
- Esteem – Premium banking
- Self-actualization – Investment/Wealth services
30:50 – Customer Segmentation: Why Not All Customers Are Equal
Categories include:
- Mass
- Mass Affluent
- HNI
Used for targeted product offerings and cross-selling.
38:00 – Core, Expected & Augmented Banking Products
Core: Deposit itself
Expected: Net banking, ATM
Augmented: Offers, cashback, concierge
46:10 – BSBDA Account: Features & RBI Norms
- No minimum balance
- Max 4 withdrawals/month
- ATM card = No cheque book
Watch for tricky MCQ options that violate RBI rules.
55:20 – Product Development Life Cycle in Banking
- Idea Generation
- Product Design
- Testing
- Launch
- Post-launch Review
1:02:45 – Cross-selling vs Up-selling
- Cross-selling: Selling insurance with loan
- Up-selling: Selling premium card instead of basic
Memory Trick: Cross = Different product, Up = Upgrade
🧾 Conclusion
This mega session is more than just another class—it’s a strategic revision tool. With 50+ handpicked MCQs, bilingual explanation, and practical examples, you now have a rock-solid grip on RBWM Module A & B.
✨ Here’s what to do next:
- Watch the video again for concepts you missed
- Revise the PDF notes (link below)
- Comment your doubts—we reply fast!
- Share with your JAIIB friends & help them too
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📥 Download PDF Notes
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