Welcome to Motivational Banker! In this post, we will analyse the June 24th JAIIB exam for the “Principles and Practices of Banking” (PPB) paper. We will discuss the types of questions asked, the trends observed, and provide insights to help you prepare for the upcoming October exam. This analysis is particularly useful for those preparing for JAIIB or those who have already completed it and are now focusing on CIIB.

Understanding the Modules

The PPB exam is divided into four main modules:

1. General Banking Operations
2. Functions of Banks
3. Banking Technology
4. Ethics in Banks and Financial Institutions

Let’s delve into the specifics of each module and the types of questions that were asked in the recent exam.

You can watch the below video or go through the blog to read the analysis in detail.

Module A: Detailed Questions

• NRI Business: Questions related to NRI deposits and loan disbursement into NRO accounts.
• Negative Lien: A detailed explanation of negative lien, where an undertaking is taken from the borrower to not create any charge on unencumbered assets without the bank’s permission.
• DD and Banker-Customer Relationship: Questions on the debtor-creditor relationship.
• FD Related Case Study: Situations related to FDR and operational guidelines.
• Ombudsman Scheme: Questions about the cost and fee structure for filing complaints, which is zero.
• Foreign Currency: Questions on crystallising inoperative foreign currency accounts after three years.
• Green Deposit: Questions about SLR and CRR sections of the BR Act and RBI Act, respectively.
• Demat Account: Legal entity identification.
• Grievance Redressal: Ombudsman and its functions as outlined in Chapter 19.

Module B: Detailed Questions

• Tandon Committee: Questions on working capital finance and operating cycle numericals.
• Documentation: Questions on charges and different modes of charging securities.
• MCLR: MCLR serving as an international benchmark.
• Consumer Protection Act: Questions from Chapter 20 of Module A.
• Letters of Credit and Deferred Payment Guarantee: Detailed questions on these topics.
• Priority Sector Advances: Several questions emphasizing its importance.
• Partnership Loans: Questions on loan facilities to Persons of Indian Origin (PIO).
• IBC: Questions related to the Insolvency and Bankruptcy Code.
• Certificates of Deposit: Mechanism and minimum value.

Module C: Detailed Questions

• Routing vs. Hub: Difference between data transfer in routers (through packets) and hubs (through electrical signals).
• Wearable Technology: Use of smartwatches in recording health information.
• Cybersecurity: Questions on smishing, ISO 20022 RTGS messaging standards.
• E-Rupi: Detailed questions on its application and use.
• Cyber Attacks: Understanding DDOS and other cyber threats.
• MMID and NFS: Questions on these topics from the banking technology module.
• Crypto Currency: Detailed questions on its functioning and implications.

Module D: Detailed Questions

• Ethics in Banking: Questions on business ethics and individual ethical behavior.
• Workplace Ethics: Focus on ethical dimensions at the workplace and changing dynamics in banking ethics.

Exam Trends and Preparation Tips

The June 24th PPB exam was neither too easy nor extremely difficult. It was a moderate paper with a mix of straightforward and advanced questions. Here are some preparation tips based on the analysis:

1. Focus on All Modules: While Module A and B are crucial, do not neglect Module C and D. Each module has a significant weightage.
2. Understand Concepts Thoroughly: Especially for topics like NRI business, negative lien, and priority sector advances, ensure you understand the underlying concepts.
3. Stay Updated with Technology: Given the rapid changes in banking technology, keep yourself updated with the latest trends and advancements.
4. Revise Regularly: Regular revision of key topics and practicing mock tests can help reinforce your knowledge and improve your confidence.

Joining Motivational Banker

Motivational Banker offers comprehensive courses covering all JAIIB modules with detailed video lessons, downloadable PDFs, mock tests, and live classes. Our courses are designed by banking experts to ensure thorough preparation and success in your exams.

Stay connected with us for more insights and preparation strategies. Enroll in our courses today and take the first step towards acing your JAIIB exams.