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JAIIB AND DB&F Paper 1 Syllabus


Now, in this article, we will be discussing about the JAIIB/DB&F Subjects and Syllabus of PAPER I subject in details.

SUBJECTS OF EXAMINATION: 

(1) Principles & Practices of Banking, (Paper 1)
(2) Accounting & Finance for Bankers, (Paper 2)
(3) Legal & Regulatory Aspects of Banking (Paper 3)

PAPER I – PRINCIPLES & PRACTICE OF BANKING

This Paper 1 Subject is divided into four Parts (A,B,C and D)

PART A – INDIAN FINANCIAL SYSTEM

Indian Financial System – An Overview
Role of RBI, Commercial Banks, NBFCs, PDs, FIs, Cooperative Banks, CRR, SLR; Equity & Debt Market; IRDA

Banking Regulation
Constitution, Objectives, Functions of RBI; Tools of Monetary Control; Regulatory Restrictions on Lending

Retail Banking, Wholesale and International Banking
Retail Banking- Products, Opportunities; Wholesale Banking, Products; International Banking, Requirements of Importers & Exporters, Remittance Services; Universal Banking; ADRs; GDRs; Participatory Notes.

Role of Money Markets, Debt Markets & Forex Market
Types of Money & Debt Market Instruments incl. G-Secs; ADs, FEMA, LIBOR, MIBOR, etc.

Role and Functions of Capital Markets, SEBI
Overview of Capital Market; Stock Exchange; Commonly used Terms; Types of Capital Issues; Financial Products / Instruments including ASBA, QIP; SEBI; Registration of Stock Brokers, Sub-brokers, Share Transfer Agents, etc QIBs

Mutual Funds & Insurance Companies, Bancassurance & IRDA
Types of Mutual Funds, its Management & its Role; Role & Functions of Insurance Companies; Bancassurance; IRDA

Factoring, Forfaiting Services and Off-Balance Sheet items
Types & advantages of Factoring & forfaiting services; Types of off balance sheet items

Risk Management, Basel Accords
Introduction to Risk Management; Basel I, II & III Accords

CIBIL, Fair Practices Code for Debt Collection, BCSBI
Role and Functions of CIBIL; Fair Practices Code for Debt Collection; Codes of BCSBI

Recent Developments in the Financial System
Structure, Reforms in the Indian Financial System; recent developments in Money, Debt, Forex Markets; Regulatory Framework; Payments and Settlement System

PART B – FUNCTIONS OF BANKS

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; Right of Set off

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

Credit 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
Types of Documents; Procedure; Stamping; Securitisation

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, R SETI

Financial Literacy
Importance of financial literacy, customer awareness

PART C – BANKING TECHNOLOGY

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

PART D – SUPPORT SERVICES - MARKETING OF BANKING SERVICES / PRODUCTS

Marketing – An Introduction
Concept; Management; Products & Services; Marketing Mix; Brand Image

Social Marketing / Networking
Evolution, Importance & Relevance of Social Marketing / Networking

Consumer Behaviour and Product
Consumer Behaviour; Product Planning, Development, Strategies, etc; CRM

Pricing
Importance, Objectives, Factors, Methods, Strategies of Pricing; Bank Pricing

Distribution
Distribution Channels; Channels for Banking Services; Net Banking; Mobile Banking

Channel Management
Meaning, Levels, Dynamics, Advantages

Promotion
Role of Promotion in Marketing; Promotion Mix

Role of Direct Selling Agent / Direct Marketing Agent in a bank
Definition; Relevance; Banker as DSA / DMA; Delivery Channels in Banks; Benefits

Marketing Information Systems – a longitudinal analysis
Functions & Components of MKIS; MKIS Model; Use of Computers & Decision Models; Performance of MKIS; Advantages

On the very next upcoming Articles, we will be discussing about the Syllabus of Paper 2 in detail,  about the subjects and how to plan for it, study for it, and finally we together will start the preparation for these.

We want our readers to be on the top of every profession specially our Banking aspirants and bankers who think that there is no way to stop where you are and there is never a stop to your growth. And believe us You can’t miss these courses. It is not mandatory but yes it is very very important for your knowledge and growth in any banking or financial institution.

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