The Indian Institute of Banking and Finance conducted the JAIIB PPB Exam 2025 on 10 May for the May Session. The exam was held in three shifts and was aimed at assessing banking professionals’ knowledge on the Principles and Practices of Banking. This paper plays a crucial role for those pursuing the JAIIB certification. In this article, we’ve broken down the JAIIB PPB Exam Analysis 2025 for all three shifts, detailing the difficulty level and key topics covered.
Table of Contents
Overview
The PPB paper in JAIIB is known to be concept-heavy and focuses on both theoretical and practical banking knowledge. Based on inputs from candidates, the exam ranged from moderate to tough across the three shifts. Each shift had a fair share of numerical questions, case studies, and conceptual topics from real-life banking scenarios.
Shift 1
In Shift 1, the paper was mostly moderate in terms of difficulty, though a few candidates found some questions tricky. There was a good mix of theoretical questions and application-based scenarios. The questions were spread across various areas like ethics, banking technology, and financial rules.
Here are the major topics from which questions were asked:
- ANBC Calculation
- Working Capital Limit Calculation
- Ethics and Ethics Value
- Tondon Committee – 2nd Method
- Forex Remittance
- MMID
- LAN and Topology
- Garnishee Order
- Loan Appraisal
- NPA Provision
- Minimum Members in Public Limited Company
- Small Account and Minor Account
- Stages in Money Laundering
- Debtor-Creditor Relationship
- Fund-Based Services
- Time Deposit
- Bankers’ Cheque
- Information System Audit
- Nayak Committee
- Cheque Dishonour
- Weaker Section
- White Label ATM
- BSBDA Account
Shift 2
Shift 2 was considered the toughest among the three. It featured multiple case studies and scenario-based numericals, particularly on cheque handling, working capital, and legal definitions. Candidates reported the need for a deep understanding of legal provisions and real banking practices.
Important topics asked in Shift 2 include:
- Adjusted Net Bank Credit (ANBC)
- Sub-Standard Provision
- Turnover Method
- Data Mining
- Working Capital Numericals
- Section 10: Payment in Due Course (NI Act)
- Net Working Capital (NWC)
- SWIFT
- FCNR
- Case Studies: Locker, Cheque Payment, Lease Financing, Bank Guarantee
- Priority Sector Lending
- Bearer vs Order Cheque
- Legal Age for Minor Becoming Major
- LAN and Token Topology
- Bill of Lading
- Letter of Credit
- MCLR
- Beneficial Owner
- Bailor-Bailee Relationship
- Company Account – Joint Operation
- Third Party Credit Card Usage
- Cardinal Principles of Lending
- Operating Cycles
- Customer Acceptance Policy
- Ethics and Work Ethics
Shift 3
The third and final shift was described as lengthy, with many questions testing detailed knowledge across business processes and IT-related banking functions. While not overly difficult, the time-consuming nature of the questions made the paper challenging.
Key questions/topics asked in Shift 3:
- DBMS Process
- Local Area Bank
- SFM Bulk Deposit
- Higher Level of Credit Provisions
- Business Process Reengineering
- ANBC
- Small and Marginal Farmer
- Working Capital
- Interest for VBO Officers on Deputation
- NULM Education Qualification
- Account Closure Rules (Either or Survivor MOP)
- DMAT Shares
- NPA Provisions
The JAIIB PPB Exam 2025 held on 10 May across three shifts provided a balanced approach to conceptual and practical learning in the banking domain. The trend across shifts showed that deeper conceptual clarity, legal knowing, and practical banking scenarios were favored. Candidates who revised case studies and banking laws thoroughly would have had an edge. Future aspirants should focus more on real-world applications of banking theory and brush up on committee recommendations, ethics, and financial technology.
FAQs
How was the difficulty level of the JAIIB PPB exam?
Overall, it ranged from moderate to tough across all shifts.
What topics were asked in Shift 1?
Topics included ethics, MMID, LAN, NPA, and garnishee order.
Were there case studies in the PPB exam?
Yes, Shift 2 had several case studies including on cheques and leasing.
What was Shift 3’s main challenge?
Shift 3 was lengthy and time-consuming.
Is PPB exam important for JAIIB certification?
Yes, it’s a core paper required for the JAIIB qualification.
