BNM-024 IGNOU Guess Paper 2026-27

BNM-024 Guess Paper: Term-End Exam (TEE) Preparation Guide

This structured guess paper for BNM-024: Advanced Banking Management (English/Hindi) leverages IGNOU’s CBCS syllabus to identify high-scoring patterns from previous years’ exams (June & December sessions). Below are key units, question weightage, and time management tips based on official curriculum blocks.

Core Syllabus Units & Exam Focus

• Unit 1: Contemporary Banking Operations
  • Focus areas: Digital banking transformation, core banking systems, and customer relationship management (CRM) in retail banking. 50–60% of questions in TEE often derive from case studies on fintech integration or regulatory compliance (e.g., RBI’s DSA guidelines).
  • Key topics: Blockchain in banking, API-based banking services, and fraud detection algorithms—expect 1–2 descriptive questions.
• Unit 3: Risk Management Frameworks
  • Weightage: 30–35% of marks, with emphasis on Basel III norms, credit risk modeling, and operational risk mitigation. Prioritize VaR (Value-at-Risk) calculations and stress testing methodologies for numerical problems.
  • Common pitfalls: Avoid generic answers; cite RBI’s Master Directions on Credit Risk Management for regulatory references.
• Unit 5: Strategic Banking & Mergers
  • Focus: Synergies in bank mergers (e.g., SBI’s consolidation), SWOT analysis of private vs. public sector banks, and global banking trends (e.g., PSD2 in Europe). 20–25% of questions are application-based.
  • Tip: Use Porter’s Five Forces model to analyze competitive positioning in your answers.

Chapter-wise Question Breakdown (2018–2023)

• Theoretical (Short Answer): Units 1, 3, and 5 (60% of questions). Example: ‘Explain the role of AI in anti-money laundering (AML) compliance.’
• Numerical/Case Study (Long Answer): Units 2 (Regulatory Frameworks) and 4 (International Banking). Example: ‘Calculate the Capital Adequacy Ratio (CAR) for a bank with Tier 1 capital of ₹500 crore and risk-weighted assets of ₹2,000 crore.’
• Objective Type (10–15 marks): Definitions (e.g., ‘What is a Payment System Operator (PSO)?’) and multiple-choice on RBI directives.

3-Hour Exam Time Management

• Allocate 45 minutes for reading the question paper and mapping answers to units (e.g., skip numericals if weak, prioritize descriptive from Units 1/5).
• For long answers, structure responses in 3 parts: Definition Explanation Practical Example (e.g., use ICICI Bank’s digital wallet launch for Unit 1).
• Avoid spending >15 minutes on any single question; flag tough ones for later and return if time permits.

Subject-Specific FAQs

• Q: Are previous year papers sufficient for TEE preparation?

  A: Yes, but supplement with IGNOU’s Study Material (2nd edition, 2022) for conceptual clarity. Focus on RBI’s annual reports for current trends.

• Q: How to handle numerical questions in risk management?

  Use Basel III formulas (e.g., CAR = Tier 1 Capital / Risk-Weighted Assets) and cross-verify with RBI’s Master Directions for accuracy.

Additional Resources

• Refer to IGNOU’s Block Assignments for Unit 4 (International Banking) to practice SWIFT transactions and forex risk analysis.
• Watch IGNOU’s recorded lectures on ‘Banking Technology and Innovation’ for Unit 1: concepts.