JAIIB Subjects

The Indian Institute of Banking and Finance conducts a biannual premium exam known as the JAIIB (Junior Associate of India Institute of Bankers). It is carried out with the intention of imparting advanced knowledge for banking personnels.

The JAIIB Exam has many advanced subjects related to the finance and banking industry which will be highlighted in this article.

Candidates preparing for the Bank Exams can find the following like useful

List of Subjects and Topics for JAIIB

The JAIIB consists of four papers:

  • Paper I: Indian Economy & Indian Financial System
  • Paper II:Principle and Practices of Banking
  • Paper III: Accounting & Finance for Bankers
  • Paper IV: Retail Banking & Wealth Management.

The table below will broadly cover some of the topics that are featured in both the Compulsory and Elective papers:

Topics Covered in JAIIB Subjects
Paper I: Indian Economy & Indian Financial System
  • An overview of Indian Economy
  • Economic Planning in India
  • Sectors of the Indian Economy
  • Role of Priority Sector and MSME in the Indian Economy
  • Infrastructure including Social Infrastructure
  • Globalisation – Impact on India
  • Economic Reforms
  • Foreign Trade Policy, Foreign Investments and Economic Development
  • International Economic Organizations (World Bank, IMF etc.)
  • Climate change, Sustainable Development Goals (SDGs)
  • Issues facing Indian Economy
  • Fundamentals of Economics, Microeconomics, Macroeconomics and Types of
  • Supply and Demand
  • Money Supply and Inflation
  • Theories of Interest
  • Business Cycles
  • Monetary Policy and Fiscal Policy
  • National Income and GDP Concepts
  • Union Budget
Paper II: Principle and Practices of Banking
  • 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
  • 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
  • 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
  • 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
Paper III: Accounting & Finance for Bankers
  • Calculation of Interest and Annuities,
  • Calculation of YTM,
  • Capital Budgeting,
  • Depreciation and its Accounting,
  • Foreign Exchange Arithmetic
  • 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
  • Balance Sheet Equation,
  • Preparation of Final Accounts,
  • Ratio Analysis,
  • Final Accounts of Banking Companies,
  • Company Accounts I & II,
  • Accounting in a Computerized Environment
  • Banking Operations & Accounting Functions
Paper IV: Retail Banking & Wealth Management
  • Retail Banking: Introduction
  • Retail Banking: Role within the Bank Operations
  • Applicability of Retail Banking Concepts and Distinction between Retail and
    Corporate/Wholesale Banking
  • Branch Profitability
  • Customer Requirements
  • Product Development Process
  • Credit Scoring
  • Important Retail Liability Products
  • Important Retail Asset Products
  • Credit and Debit Cards
  • Remittance Products
  • Digitisation of Retail Banking Products
  • Role of AI and Technology in Retail Banking
  • Recovery of Retail Loans
  • Management Information Systems
  • Securitization
  • Marketing – An Introduction
  • Delivery Channels in Retail Banking
  • Delivery Models
  • Customer Relationship Management in Retail Banking
  • Service Standards for Retail Banking

To know more in detail about other topics, be sure to visit the JAIIB Syllabus.

Frequently Asked Question about JAIIB Exam


How can the JAIIB be cleared in one attempt?

One could go through the material a few times like a novel before approaching JAIIB mock tests or JAIIB previous question papers, and you will be able to answer the questions correctly.

Is the JAIIB exam tough?

JAIIB is one of the toughest exams and without proper preparation cracking JAIIB is really tough. JAIIB is a finance & banking based exam which is conducted two times in a year. The students who want to pursue their career in banking and finance appear for this JAIIB exam.

How can one prepare for JAIIB?

A JAIIB candidate should use the syllabus issued by the IIBF and prepare a study plan or Subscribe to JAIIB/CAIIB Courses. They should know what subject should be started first and how will they will manage all 3 subjects.

To know more about other IIBF exams, visit the linked article.

Related Links
JAIIB Exam JAIIB Syllabus
JAIIB Admit Card JAIIB Result
Competitive exam preparation strategies SBI PO Syllabus
SSC CPO Cut Off SSC CPO Results



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