JAIIB PPB case studies

JAIIB PPB · Put your knowledge to work in context.

JAIIB - also written JAIIB/DB&F - is a professional banking examination conducted by the Indian Institute of Banking & Finance (IIBF), a Mumbai-based institute established in 1928 whose stated vision is "To be the premier Institute for developing and nurturing competent professionals in banking and finance field." The credential is aimed at bank and financial-sector employees building a formal qualification in banking, and IIBF treats it as a stepping stone: the site lists routes such as "Apply for Credit Transfer from DB&F to JAIIB", "Apply for Conversion from DB&F to JAIIB", and a "JAIIB Professional Conversion Route to Associate Chartered Banker", alongside JAIIB/DB&F online contact classes run through IIBF's Professional Development Centre. Candidates typically sit four papers spanning the Indian economy and financial system, principles and practices of banking, accounting and finance for bankers, and business mathematics and finance; the weightings below are indicative study guidance, not verified IIBF figures. The JAIIB PPB case studies are 5 cases and about 4,485 words.

CRR Shock, MSF Funding and an AFS-to-HTM Switch

On 5 August the RBI announces a 50 basis point increase in the cash reserve ratio, from 4.00% to 4.50% of net demand and time liabilities (NDTL), effective the fortnight beginning 16 August. A mid-sized private bank's NDTL on the last reporting Friday was Rs 84,000 crore.

909 words, about 5 min 2

Agriculture Sub-Target Shortfall: RIDF, PSLCs or a March Push

At the end-March review, a scheduled commercial bank's board pack shows adjusted net bank credit (ANBC) of Rs 20,000 crore; the credit equivalent of off-balance-sheet exposures is lower and so is not the relevant base. Priority sector advances total Rs 8,600 crore.

946 words, about 5 min 3

A Slow Cash Credit Account: NPA Dating, Provisioning and Interest Suspense

Sunrise Alloys Pvt Ltd has a cash credit limit of Rs 5.00 crore, sanctioned on 1 April 2023 and reviewed every 30 June. Drawings stand at Rs 4.80 crore, and the balance outstanding is Rs 5.25 crore, including Rs 45.50 lakh of interest debited on 30 June 2024 (Rs 21.50 lakh) and 30 September 2024 (Rs 24.00 lakh) that has never been paid.

962 words, about 5 min 4

Tenure, FOIR and the Prepay-or-Invest Decision

A 52-year-old salaried professional with a net monthly income of Rs 95,000 applies for a home loan of Rs 25,00,000 at 9% per annum, repayable in 240 equated monthly instalments. Her only existing obligation is a car loan EMI of Rs 12,000; her credit bureau score is 780; she will retire at 60.

702 words, about 4 min 5

Structured Cash Deposits and a 48-Lakh RTGS: Reporting or Exiting?

A savings account in the name of a 26-year-old was opened eight months ago at a semi-urban branch with Aadhaar and PAN, showing occupation 'consultant' and annual income of Rs 3.20 lakh. Since opening, the branch has received 212 cash deposits, mostly between Rs 45,000 and Rs 49,000, aggregating Rs 96 lakh, including several made on the same day at two different branches of the bank.

966 words, about 5 min