JAIIB AFM case studies
JAIIB AFM · Put your knowledge to work in context.
JAIIB - also written JAIIB & DB&F - is a professional banking examination administered by the Indian Institute of Banking & Finance (IIBF). IIBF describes itself as established in 1928 as a company under Section 26 of the Indian Companies Act, 1913, with a mission to develop professionally qualified and competent bankers and finance professionals through education, training, examination, consultancy and continuing professional development programmes. The JAIIB AFM case studies are 5 cases and about 4,890 words.
1The Fortnight the Daily CRR Floor Broke
Vaibhavi Bank's treasury closes the fortnight ended 31 March 2026 with net demand and time liabilities (NDTL) of ₹2,40,000 crore. The applicable cash reserve ratio is 4.00 per cent of NDTL, to be maintained as an average of daily balances with the Reserve Bank of India over the 14-day fortnight, and no single day's balance may fall below 90 per cent of that requirement.
938 words, about 5 min2Three Accounts at the 31 March Cut-off
At its 31 March 2026 cut-off, the Kolar branch of a public sector bank must classify three accounts. Account A is an MSME term loan, outstanding ₹2.00 crore, secured by hypothecation of machinery with a realisable value of ₹0.90 crore (last valuation 14 months old).
982 words, about 5 min3Guarantee, Mortgage and the Limitation Clock
Sundaram Fabrics Private Limited drew a ₹8.00 crore term loan in 2018 from Trikuta Commercial Bank. The facilities are secured by a first charge on plant and machinery and by a registered mortgage of a residential bungalow at Coimbatore owned personally by the managing director, Mr R.
993 words, about 5 min4A Retiree, a BBB– NCD and a 'Guaranteed' ULIP
Mr Ashok Mehra, 68, retired as a senior manager with a public sector insurer. His pension is ₹42,000 a month; household expenses, including his wife's medication for early-stage dementia, are ₹70,000.
1,043 words, about 5 min5Capital Ratios After the Inspection Shortfall
Deccan Meridian Bank reports risk-weighted assets of ₹22,000 crore as at 31 March 2026. Its capital is: paid-up equity, share premium and reserves eligible as Common Equity Tier 1 of ₹1,800 crore; AT1 bonds of ₹150 crore; and Tier 2 bonds of ₹120 crore.
934 words, about 5 min