JAIIB IE&IFS case studies

JAIIB IE&IFS · Put your knowledge to work in context.

JAIIB (Joint All India Institute of Bankers Examination) is a professional certification offered by the Indian Institute of Banking & Finance (IIBF) for banking professionals. The IE&IFS paper, Indian Economy & Indian Financial System, is one of the modules in the JAIIB examination. The JAIIB IE&IFS case studies are 5 cases and about 4,659 words.

The 50 bps Repo Cut That Stops at the Deposit Counter

The ALCO of a scheduled commercial bank with a loan book of ₹38,000 crore meets a fortnight after the MPC cuts the repo rate by 50 bps to 6.00%, citing CPI inflation easing to 3.9%. The bank's own position is awkward: it raised one-year retail term deposit rates to 7.40% only last quarter to defend a 78% credit-deposit ratio, and ₹4,200 crore of those deposits reprice only next year.

867 words, about 4 min 2

₹510 Crore PSL Shortfall on 15 March

A domestic scheduled commercial bank with adjusted net bank credit (ANBC) of ₹8,000 crore for the year has a PSL target of 40%, i.e. Achievement stands at ₹2,690 crore, or 33.6%.

839 words, about 4 min 3

Buying a State's 10-Year SDL at 68 bps

A public sector bank's investment committee is evaluating a 10-year state development loan (SDL) at 7.86%, when the same-tenor G-sec yields 7.18%. The state's numbers: debt-GSDP 31.8%; own tax revenue growing 6.2% against nominal GSDP growth of 9.5%; fiscal deficit 3.6% of GSDP against an FRBM ceiling of 3.0%, with a 0.5% cushion permitted only if power-sector reform milestones are met; and ₹9,400 crore of borrowings routed through three state-owned SPVs carrying state guarantees, of which ₹2,100 crore has already fallen due and was serviced by taking a fresh SPV loan.

969 words, about 5 min 4

Nine UPI Debits, an OTP Read Out Loud

A 61-year-old savings account customer of a scheduled commercial bank, with a balance of ₹4.2 lakh, loses ₹1,86,000 in nine UPI debits over two days to accounts at three different banks. Each debit triggered an SMS alert to the registered mobile number and an email; the customer neither called nor messaged the bank.

1,002 words, about 5 min 5

The Exporter Who Was Told the Rupee Never Appreciates

A Tiruppur garment exporter has a confirmed receivable of USD 2.4 million due in six months and an import payable of USD 900,000 due in three months. His bank quotes spot USD/INR 84.10/84.12, a six-month forward at 85.55/85.60 and a three-month forward at 84.70/84.75.

982 words, about 5 min