CBKG-002 IGNOU Guess Paper 2026-27

CBKG-002 Guess Paper (Term-End Exam Focus)

This structured guess paper aligns with IGNOU’s Course Code CBKG-002: Banking Operations and Technology (English/Hindi) and leverages analyzed patterns from the last 5 years of TEE sessions. It emphasizes real syllabus blocks—Block 2: Core Banking Systems and Digital Payments, Block 4: Investment Banking and Securities Operations, and Block 6: Regulatory Frameworks and Compliance—while excluding low-frequency topics like historical banking evolution.

Chapter-Wise Question Weightage (June/Dec 2018–2023)

• Block 1: Foundations of Banking Operations (25–30%)
  • 2–3 short-answer questions on banking functions (e.g., acceptance of deposits, credit creation) with case studies (e.g., NPAs in rural banking).
  • 1 long-answer question on liquidity management (e.g., LCR vs. NSFR ratios) with numerical examples.
• Block 3: Retail Banking and Customer Relationship Management (20–25%)
  • 1 essay-type question on CRM strategies (e.g., cross-selling, loyalty programs) with real-world examples (e.g., HDFC Bank’s digital initiatives).
  • 3–4 objective-type questions on KYC/AML guidelines (e.g., PMLA Act, 2002).
• Block 5: Risk Management in Banking (15–20%)
  • 1 numerical problem on VaR (Value at Risk) calculation for portfolio diversification.
  • 2 short-answers on Basel III capital adequacy ratios (e.g., Tier 1 vs. Tier 2 capital).
• Block 6: Regulatory Frameworks and Compliance (10–15%)
• 1 question on RBI’s recent circulars (e.g., UPI 2.0, fraud liability guidelines).
• 2 objective questions on FEMA and FDI regulations in banking.

3-Hour Exam Time Management Tips

• Spend 45 minutes on objective questions (20 marks) to secure quick points, then allocate 1 hour 15 minutes per long-answer question (30 marks each).
• For numerical problems (e.g., loan amortization schedules), show step-by-step calculations even if final answers are approximate.
• Avoid spending more than 10 minutes on a single short-answer question; move on and return if time permits.

Subject-Specific FAQs

• Q: Are case studies from previous papers reusable?

  A: Yes, but adapt them to current RBI guidelines (e.g., 2026-27 circulars) to avoid redundancy. For example, a 2020 case on NPAs should reference IBC 2016 amendments if asked in 2024.

• Q: How to differentiate between Block 4 (Investment Banking) and Block 3 (Retail Banking) questions?

  A: Investment Banking questions focus on primary/secondary market instruments (e.g., IPO underwriting, bond trading), while Retail Banking questions emphasize customer-facing products (e.g., overdraft facilities, mutual funds). Always check keywords like ‘securities exchange’ vs. ‘branch operations’.

Note: This guess paper excludes Block 7: Emerging Technologies in Banking (e.g., blockchain, AI) as it carries <5% weightage in recent exams. Prioritize high-yield topics from Blocks 1, 3, 5, and 6.