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JAIIB PPB SYLLABUS 2022 | PPB – PRINCIPLES AND PRACTICES OF BANKING

JAIIB PPB SYLLABUS 2022 – PPB PRINCIPLES AND PRACTICES OF BANKING

As IIBF has started the registrations for some of its courses & so does the registrations for JAIIB 2022 from the 9th of November 2021. If you are going to appear for JAIIB 2022 Exams then you must go through the Study Material prepared by Learning Sessions.

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JAIIB SYLLABUS FOR 2022

PAPER 5 Modules for PPB
Principles & Practices of Banking Syllabus 2022 A. Indian Financial System

B. Functions of Banks

C. Banking Technology

D. Support Services: Marketing of Banking Services/ Products

E. Ethics in Bank & Financial Institutions

 

JAIIB PPB SYLLABUS 2022

PAPER 1: PRINCIPLES AND PRACTICES OF BANKING

MODULE A: Indian Financial System

Indian Financial System – An Overview: This overview will focus on the Role of Reserve Bank of India, Non-Banking Financial Companies, PDs, Commercial Banks, Financial Institutions (FIs), Cooperative Banks (Co-op), Cash Reserve Ratio (CRR), Statutory Liquid Ratio (SLR); Equity & Debt Market; Insurance Regulatory and Development Authority (IRDA), etc.

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Banking Regulation: This unit of the Indian Financial System talks about the Constitution of Banks, its objectives, RBI’s Functions; Monetary Control Tools; Regulatory Restrictions on Lending, etc.

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Retail Banking, Wholesale Banking, International Banking & Universal Banking: Retail Banking defines the various Products that are available under this branch of Banking, Opportunities available in this branch; Wholesale Banking Products; what is International Banking, Requirements that Importers & Exporters are required to fulfill, Remittance Services; Universal Banking; ADRs- American Depositary Receipts; GDRs- Global Depository Receipts; Participatory Notes, etc.

Role of Money Markets, Debt Markets & Forex Market: The Kinds of Money & Debt Market Instruments there is in the markets e.g., Government Securities; ADs, Foreign Exchange Management Act- FEMA, 1999, London Inter-Bank Offered Rate- LIBOR, Mumbai Inter-Bank Offer Rate- MIBOR, etc.

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Role and Functions of Capital Markets, SEBI: You will be going through the Overview of Capital Markets; Stock Exchanges; some other Common Terms, Types of Capital Issues; Financial Products or Instruments including ASBA- Applications Supported by Blocked Amount, Qualified Institutional Placement (QIP); SEBI- Securities Exchange Board of India; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc.

Mutual Funds & Insurance Companies, Bancassurance & IRDA: This unit mentions Mutual Funds, how they are managed, and the Role & Functions of Insurance Companies, Bancassurance, IRDA, etc are some of the things that are included in the unit.

Factoring, Forfaiting Services, and Off-Balance Sheet items: This includes various types & advantages of Factoring & forfaiting services as well as the types of off-balance sheet items.

Risk Management, Basel Accords: It introduces you to Risk Management; Basel I, II & III Accords set by Basel Committee on Bank Supervision or BCBS.

CIBIL, Fair Practices Code for Debt Collection & BCSBI: This unit discusses the Role and Functions of CIBIL i.e Credit Information Bureau (India) Limited; what is Fair Practices Code for Debt Collection; Codes of BCSBI Banking Codes and Standards Board of India.

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Recent Developments in the Financial System: You will read about the Structure, Reforms that are implemented in the Indian Financial System, some of the recent developments in Money, Forex Markets, Debt; Regulatory Framework; Payments, and Settlement System, etc.

MODULE B: Functions of Banks

Banker Customer Relationship: It introduces us to the different types of Deposit Products & Services; Services to Customers & Investors etc.

KYC/ AML/ CFT Norms: The unit includes act like Prevention of Money-Laundering Act, 2002 and Know Your Customer – KYC Norms

Bankers’ Special Relationship: It introduces you to the concepts of Mandate; Power of Attorney; Garnishee Orders; Banker’s Lien; Right to Set off etc.

Consumer Protection – COPRA, Banking Ombudsman Scheme: Different Operational aspects of the COPRA Act & the Scheme of the Banking Ombudsman are discussed in this unit.

Payment & Collection of Cheques and Other Negotiable Instruments: This unit will have Negotiable Instruments Act; Role & Duties of Paying & Collecting Banks; Bouncing of Cheques; Forged Instruments; Endorsements; what will be the Implications of the mentioned topics; Return of Cheques; Cheque Truncation System etc

Opening A/Cs of various types of customers: You will know about the Operational Aspects of opening and Maintenance of Accounts of Customers including SB Rate De-regulation, Aadhaar.

Ancillary Services: The services like Remittances; Govt. Business; Safe, Deposit Lockers; Electronic Benefits Transfer, etc are discussed in this unit.

Cash Operations: What are the Cash Management Services & what is the Importance of cash operations is all that you will get to know in this one.

Principles of Lending, Working Capital Assessment, and Credit Monitoring: The concepts of Cardinal Principles; Non-fund Based Limits; Sources of Working Capital Funds & its Estimation; Working Capital; Term Loans; Credit Appraisal Techniques; Operating Cycle; Projected Net Working Capital; Turnover Method; Cash Budget; Credit Monitoring & Its Management; Base Rates are discussed in the unit.

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Priority Sector Advances: This unit introduces the concepts like Targets, Sub-Targets; Developments that have taken place recently.

Agricultural Finance: Matters related to the different Agricultural Loans and Risk Mitigation in agriculture (NAIS, MSP, etc.) is talked about in it.

Micro, Small, and Medium Enterprises-MSME: You will go through the MSMED Act, 2006, Policy Package for MSMEs; Performance and Credit Rating Scheme; Developments that have happened in the latest times.

Government Sponsored Schemes: Swarna Jayanti Gram Swarozgare Yozna-SGSY; Swarna Jayanti Shahari Rozgar Yojna-SJSRY; Prime Minister Rozgar Yojna-PMRY; SLRS-Scheme of Liberation and Rehabilitation of Scavengers will be covered.

Self Help Groups: How there is a need for & what are the functions of SHGs, the role of NGOs in Indirect Finance to SHGs; SHGs & SGSY (Swarna Jayanti Gram Swarozgare Yozna) Scheme; Capacity Building is some of the things you will get to know.

Credit Cards, Home Loans, Personal Loans, Consumer Loans: The unit tells us all about the Operational Aspects, Advantages, Disadvantages & Guidelines on Credit Cards; Procedure & Practices for Home Loans, Personal Loans & Consumer Loans, etc.

Documentation: The kind of various Documents, Procedures, Stamping & Securitisation is the topics explained in this unit.

Different Modes of Charging Securities: This unit includes the concepts of Assignment; Lien; Set-off; Hypothecation; Pledge; Mortgage etc.

Types of collaterals and their characteristics: This unit lets you know the definitions of Land & Buildings; Goods; Documents of Title to Goods; Advances against Insurance Policies, Gold, Term Deposits, Shares, Book Debts, etc.;

NPA-Non-Performing Assets: You will get informed about what’s NPA; the concepts of Income Recognition; Asset Classification; what are the Provisioning Norms etc.

Financial Inclusion: It contains the topics like Business Correspondent; BF; the role of Information and communications technology in Financial Inclusion, Mobile-based transactions, Rural Self Employment Training Institutes, etc.

Financial Literacy: What is the Importance of financial literacy, & how customer awareness is achieved, etc are the things that are covered in this section.

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MODULE C – BANKING TECHNOLOGY

Essentials of Bank Computerization: The concepts like Computer Systems; Local Area Networks; Wide Area Networks; UPS; Core Banking are detailed here.

Payment Systems and Electronic Banking: ATMs; HWAK; Electromagnetic Cards; Microfiche; NPC; CTS; PIN; RUPAY; Note & Coin Counting Machines; Electronic Banking; Signature Storage & Retrieval System are some of the things you will get to know in detail.

Data Communication Network and EFT systems: Various Components & Modes of Transmission; the Major Networks in India; some of Emerging Trends in Communication Networks for Banking; Evolution of Electronic Funds Transfer System; Society for Worldwide Interbank Financial Telecommunication (Swift); Automated Clearing Systems; Funds Transfer Systems; Recent Developments in India that are currently taking place are described in it.

Role of Technology Upgradation and its impact on Banks: This unit introduces you to the Current Trends in Technological Developments; Role & Uses of Technology Upgradation; Impact of Information Technology on Banks; what are the Global Trends etc.

Security Considerations: Consideration as in Areas related to Risk; Types of Threats; Control Mechanism; Evaluation Requirements, Computer Audit; IS Security; IS Audit are the concepts you will deal with in this unit.

Overview of IT Act: It contains the Recommendations of the Gopalakrishna Committee.

Preventive Vigilance in Electronic Banking: The concepts of Phishing; Safety Checks; Customer Education; Precautions to have adhered are defined here.

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MODULE D – SUPPORT SERVICES – MARKETING OF BANKING SERVICES/ PRODUCTS

Marketing – An Introduction: Concepts such as Marketing; Management; Marketing Mix; Products & Services; Brand Image are some of the topics that are detailed in this unit on marketing.

Social Marketing/ Networking: You will know about the Evolution of Social Marketing, the Importance & Relevance of Social Marketing or Networking, etc. here in this unit.

Consumer Behavior and Product: This unit tells you about the Behavior of Consumer; Product Planning, Development, and Strategies, Customer Relationship Management-CRM, etc.

Pricing: It contains the Importance of Pricing, pricing objectives, Factors related to pricing a product, Methods, Strategies of Pricing & Bank Pricing.

Distribution: Different Distribution Channels; Channels for Banking Services; Net Banking & Mobile Banking are covered in this section of Support services.

Channel Management: The Meaning of Channel Management, its Levels, Dynamics, and Advantages of channel management is what you will be reading in it.

Promotion: The Role of Promotion in Marketing Mix & Promotion Mix are dealt with here.

Role of Direct Selling Agent/ Direct Marketing Agent in a bank: This unit tries to define the role of Direct Selling Agent or Direct Marketing Agent in a bank; his/her Relevance; Banker as Direct sales associates / Direct Marketing associates; Delivery Channels that are used in Banks; Benefits of having a direct selling agent etc.

MKIS-Marketing Information Systems – a longitudinal analysis: Functions & Components of MKIS; it’s Model; Use of Computers & Decision Models under it; Performance of MKIS; Advantages of MKIS are what is covered in this unit.

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MODULE E – ETHICS IN BANKS AND FINANCIAL INSTITUTIONS

Ethics, Business Ethics & Banking – An Integrated Perspective: Concepts like Business Ethics, Ethical Foundation, and Banking Ethics in Global & Indian Contexts are some topics defined in the unit.

Ethics at the Individual Level: The Values, Norms, Beliefs, Dilemmas, Conflict, Morality, Golden Rule, Integrity and Decision-Making, etc are discussed in the section.

Ethical Dimensions Employees: Obligation to Bank or 3rd Parties, Abuse of Official Position, Sexual Harassment, what are Fair Accounting Practices, Human Resource Management Ethics, Conflict of Interest, Employees as Ethics Ambassadors while Managers as Ethical Leaders & how this system works are the topics placed in this section.

Work Ethics and the Workplace: Different views on Work Ethics, Benefits of ensuring Ethical Behavior in working place, Causes & Remedies of Unethical Behavior, Code of Ethics, Whistleblowing in Banks, Whistleblowing Laws in India are some of the matters covered in the unit.

Banking Ethics – Changing Dynamics: How Ethics and Technology have become a solution, what are different Data Security measures and concerns related to privacy, Intellectual Property Rights, Patents & Proprietary Rights, Ethics of Information Security, Cyber Threats, Digital Rights Management, etc is all that you will know in here.

JAIIB PRINCIPLES AND PRACTICES OF BANKING SYLLABUS STUDY MATERIAL 2022

If you are preparing for the JAIIBs PPB subject for 2022 then we suggest that you go for the Study Material that is provided for PPB JAIIB 2022.

This study Material has the following contents:

  • Full video course (chapter-wise)
  • English & English + Hindi
  • Detailed Concepts
  • Compete Tests
  • Previous Year Questions
  • Epdf Notes (accessible through the android app)

 

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