The ABM paper covers complex topics related to banking operations, risk management, capital adequacy, asset-liability management, treasury management, and strategic planning. It requires a comprehensive understanding of banking concepts, regulations, and their practical applications. That said CAIIB, it's important to note that the difficulty level of subjects can be subjective, and different individuals may find different papers challenging based on their prior knowledge, experience, and study methods. It's advisable to assess your own strengths and weaknesses and allocate sufficient time for preparation for each subject to ensure a well-rounded understanding of the entire CAIIB syllabus.

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