Concepts Master · JAIIB · PPB

PPB: Concepts and Practice

For JAIIB’s Principles and Practices of Banking paper: every unit of the syllabus taught in plain words, as it works at a bank’s desks: the banker and the customer, KYC, deposits, cheques and payments, loans and their securities, priority sectors, banking technology and ethics, with practice questions and every answer explained. By G S Khurana; 2026–27 edition.

The chapters

• APart A: General Banking Operations
• 1The banker and the customerp. 1
• 2AML and KYC: the frameworkp. 15
• 3KYC in operationp. 29
• 4Opening accounts for every kind of customerp. 43
• 5Deposit accounts in operationp. 57
• 6Clearing, collection, cash and cash managementp. 71
• 7Mandates, powers of attorney, garnishee orders and lienp. 85
• 8Foreign exchange for residents and NRIsp. 99
• 9Cheques: the paying and the collecting bankerp. 113
• 10Ancillary services and financial inclusionp. 127
• 11Customer service, grievances, consumer law and RTIp. 141
• BPart B: Functions of Banks
• 12Principles of lending and credit appraisalp. 155
• 13Loan accounts, collateral and chargesp. 169
• 14Documentation, NPAs and recovery lawsp. 183
• 15Indemnity, guarantees, letters of credit and billsp. 197
• 16Personal finance and priority sector lendingp. 211
• 17Agriculture, MFIs and co-lendingp. 225
• 18MSMEs, government schemes and SHGsp. 239
• CPart C: Banking Technology
• 19Bank computerisation and CBSp. 253
• 20Digital channels, networks and NPCI paymentsp. 267
• 21Technology trends and fintechp. 281
• 22Security, cyber crime and fraud riskp. 295
• DPart D: Ethics in Banks and Financial Institutions
• 23Ethics in business and banking; the individualp. 309
• 24Ethics at work: employees, the workplace, bankingp. 323

Corrections and updates: see the errata page.