bank interview questions

Prepare well for the interview. Have a hair cut , a clean shave .Wear Light shirt (white shirt) and a grey or black pant and black shoes clean polished.Enter into the interview hall with all your academic documents (certificates)Tell, May I come in Sir. Once allowed to come in. Greet the Panel as Good Morning(From 8AM to 12 PM0 or Good Afternoon (From 12 PM to 4 PM) or Good Evening Sir ( After 4 PM)

Once offered a seat, please tell thank you sir

1. Please tell us something about yourself?2. Please introduce yourself ?3. Please a brief introduction about yourself ?4. Which area do you belong to? Which college have you done your graduation ?Where was your

schooling from?5. What was your percentage in Matriculation, 10 + 2 and Graduation.What subjects you had taken6. What was your score in the written examination.7. What do you know about Odisha Gramya bank ?8. How many nationalized banks are there in India ? In which year did the banks get nationalized.9. Is Odisha Gramya Bank a nationalized bank?10. Where is the head quarters or headoffice of Odisha Gramya Bank?11. What is bank and what are its functions ?12. What is the necessity of GRamya Bank when there are so many nationalized banks in India like

SBI, Bank of India, Indian Bank etc13. How is Gramya bank different from Co-operative society.14. What is Cash Reserve Ratio.15. How is a demand draft different from Bankers cheque16. What are the different types of loans.What is the percentage of interest levied on them17. What is a balance sheet /Annual Report/bank statement.18. Why do you want to join the Odisha Gramya bank?19. What do you do in your leisure time or what are your hobbies20. Do you read news papers ? Who is the editor of the news paper ?21. What is core banking ?22. What is the difference between RTGS and NEFT?23. What is Dhan Jan Yojana ? what is PMJBY and PMSBY ?24. What is retail banking ?25. What are the different types of loans and deposit schemes in gramya bank?26. What is OGB Smart card ?

BPS PO 2015 Common Interview Questions

Ques 1. Tell me about yourself/ Introduce Yourself?

Ans1. It is a common question that is asked in almost all type of interviews by interviewers. If they ask about you then they need to know about your background, family information and qualification details.

You must need to mention the following points while giving answer: Personal Information

Educational Qualification

Work Experience (if any)

Extracurricular activities etc.

IBPS PO 2015 Common Interview Questions

Ques 2. Question based on your family?

Ans2. By this question, they want to know about your family members like your brother sisters, or father’s/mother occupation.

Ques 3. Describe your hobbies and extra activities?

Ans3. Tell your hobbies and extracurricular activities without being nervous. So give the answer in straight manner.

Ques 4. Question related to General Awareness?

Ans4. To test the knowledge of contenders, interview panel mostly asked recent GK Questions. So, applicants need to prepare themselves and give correct answers.

Ques 5. Questions to judge your personality?

Ans5. Questions like why are you leaving your recent job? Why do you want to join bank etc are asked for the experienced candidates to judge the personality. Give the answer in smart way.

Ques 6. What do you know about the banking sector?

Ans6. With the help of this question interviewers want to test your knowledge in banking sector. For this, you need to prepare well for bank interview questions. Below are some bank questions:

Ques 7. What is the difference b/w private or govt. banks?

Ans7. The difference between private or govt. banks are Govt. bank has a minimum 51% scheme in bank and controlled by the Government of India where as Private bank does not have any opportunity and controlled by the private individuals and both banks should follow the same laws. Ques 8. What is fixed deposit?

Ans8: A term fixed deposit is an economic instrument offered by banks which gives investors with a high rate of interest than a normal savings account, until the provided maturity date. It can or cannot need the creation of a separate account.

Ques 9. What is the difference between credit and debit card?

Ans9. Debit Card: It can be useful when you are going to purchase something and by using this, amount of money will be deducted from your current account - from funds that you already have available.

Credit Card: It run up an amount that you will owe in the future, a balance that you will be necessary to pay back at a afterward date.

Ques 10. What is Net Banking and what are its uses?

Ans10. The term net banking is refer to as a online banking that can be used to make the transactions electronically. Its major use to sale and purchase the things electronically by using the online system.

Ques 11. What is CRR?

Ans11: The Acronym of CRR is Cash Reserve Ratio. It is a specific minimum fraction of the total deposits of customers, which commercial banks have to hold as reserves with the central bank.

Ques 12. What is exchange rate?

Ans12: The meaning of exchange rate is to change the value of one currency for the purpose of conversion to another.

Ques 13. What is CBS?

Ans13: CBS stands for Core Banking Solution and it is a network of branches, which allows Customers to manage their accounts, and gain the benefit of banking services from any branch of the Bank on CBS network. The customer is no more the customer of a Branch because he becomes the Bank's Customer.

Ques 14. What is amount and interest rate?

Ans14: The term amount is too treated as a quantity of something like money. The Term interest rate is a proportion of a loan that is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding.

Ques 15. What is the difference between current account and savings?

Ans15: Current Account is generally created for industry purposes and banks pay no interest on the balances held therein and Savings Bank account is one in which little investments can be done and earn small amount of interest.

BPS Common Interview Questions

1) Tell me something about yourself?

Ans. Besides the details given in my resume, I believe in character values, vision and action. I am quick in learning from mistakes. I am confident that the various tests that you have conducted will corroborate my competencies aptitude and right attitude for the job.

2) What do you seek from a job?

Ans. I would like a job which gives me a chance to apply all that I have learned in college as well as one which enables me to grow as a professional. I would like a role which enables me to make a difference.

3) Where do you see yourself 5 years from now?

Ans. I see myself as a _______ in your esteemed organization whereby with all my enhanced learning and skill, I shall be able to make up a valuable and meaningful contribution to your organization.

4) Is there anything else that we should know about you that would impact our decision?

Ans. I am a continuous learner and try to keep myself abreast of all developments in the field of IT. Also since I do not quit in the face of toughest challenges, I am certain that I would be able to achieve the targets that I set for myself and beyond.

5) What have you learnt from your failures?

Ans. From my failures I have learnt to analyze myself and find out my shortcomings. Those shortcomings are the areas of future improvement for me and I have undertaken seriously to improve myself on those relevant areas. One more thing I learned is never to give up, never to feel rejected.

6) If after sometime you start disliking the job? What would you do?

Ans. Well, if such situation then my first priority would be to look within myself and try to find out any shortcomings or lack of skills and techniques. If such things happen then I would try to improve and rectify myself. Still if I don’t get an answer then I will speak to my seniors and colleagues to learn my mistakes so that I become more user friendly to my organization.

7) What are your salary expectations?

Ans. Never bargain for your 1st job. It’s a cardinal rule.

Sir, before answering to your question I would like to ask you with your kind permission what salary you provide to new entrants in your organization at this level.

8) Can you give three reasons why would you like to join our Bank?

Ans. Three reasons why I would like to join your company are:

a) Since your company provides a strong core competency, very strong value systems and best practices so I believe I have a strong vision of viewing me as a project leader in your company.

b) Your company has one of the fastest growth rates and turnover in the industry and that would mean a faster growth rate for me as a professional.

c) The practices of your company are more employee and customer oriented.

9) What is Cheque?

Ans. Cheque is a negotiable instrument containing conditional order to pay sum of money to the person mentioned on it or to the bearer of the instrument.

10) What is Inflation?

Ans. It is a state where money looses the value hence prices will go up (or) Decreasing the value of money.

11) What is an NRI a/c?

Ans. NRI stands for “Non Resident Indian”. An Indian who is residing in abroad can open an SB a/c in Indian banks. These accounts are called NRI a/cs.

12) What is Reverse Repo rate?

Ans. The rate at which RBI pays interest to the banks

1. What is bank?

Ans. Bank is financial institution which accepts deposits from the public for the purpose of lending.

2. Types of banks?

Ans. Nationalized banks, Private Banks, Foreign banks, Regional rural banks, Co-operative banks, Industrial banks etc..,

3. What is a nationalized bank?

Ans. Banks which are owned and run by government of India are called as nationalized banks. There are total 20 nationalized banks. State bank of India has got 7 subsidiaries they are State bank of Hyderabad, State bank of Mysore, State bank of Travancore, State bank of Indore, State bank of Sourashtra, State bank of Bikaner, state bank of Jaipur.

4. When banks are nationalized?

Ans. In 1969: 14 banks were nationalized.

In 1980: 6 banks were nationalized.

5. What is a Private bank?

Ans. Banks which are owned and run by individuals are called private banks.

6. What are foreign banks?

Ans. Banks which are foreign originated [based] are called foreign banks

7. What is RBI [Reserve Bank of India], when it is established and what are its functions?

Ans.: RBI established in 1935, its head office in Mumbai. Present Governor of RBI “D. Subba Rao”.

Its functions:

1. Issues currency notes 2. Acts as bankers bank 3. Maintains foreign exchange reserves 4. Maintains CRR and SLR

RBI is also called as "bankers bank", because all banks will have a/c's with RBI. It provides funds to all banks hence it is called as BANKERS BANK.

8. What is RRB'S (regional rural banks)?

Ans. Main purpose of RRBs is to improve banking habit in rural areas and save formers from money lenders.

RRBs works under supervision of NABARD (National Bank for Agriculture and Rural Development)

NABARD head office is at MUMBAI.

9. What are co-operative banks?

Ans. The main purpose of co-operative banks is to co-operate small scale industries, and to provide small loans.

10. What are industrial banks?

Ans. The main purpose of industrial banks is to provide big loans to large scale industries.

11. Types of accounts in banks?

Ans. Saving’s bank account [SB a/c]: The main purpose of SB a/c is to encourage small savings from the public. Interest paid on SB a/c is 3 percent. Any individual can open SB a/c. An Indian residing at abroad can open a NRI a/c. NRI represents non-resident Indians.

Current account: It’s a running and active account. No interest is paid on current a/c.

Current accounts can be opened on firm names. Even individuals can also open current a/cs. But on firm names you cannot open SB a/c

Fixed Deposit account: Amount is kept for a fixed period. Higher rate of interest will be paid on this a/c.

Recurring deposit [RD a/c]: A fixed amount can be deposited in monthly installments. Interest rate is same as fixed deposits.

12. What is Cheque?

Ans. Cheque is a negotiable instrument containing conditional order to pay sum of money to the person mentioned on it or to the bearer of the instrument.

13. What is crossing?

Ans. Two parallel lines drawn on the top left corner of the cheque.

14. What is account payee cheque?

Ans. Account payee cheques can be routed only through accounts.

15. What is a post dated cheque?

Ans. The date on the cheque beyond today’s date then cheque becomes post dated.

16. What is stale cheque?

Ans. Cheque is valid for six months. If the date on the cheque is before six months, then the cheque becomes stale cheque.

17. What is a mutilated cheque?

Ans. It is a damaged cheque.

18. What is At Par cheque?

Ans. It is payable anywhere in India.

19. What is Multi city cheque?

Ans. A cheque which is payable in any branch of a particular bank

20. What is Repo rate?

Ans. The rate at which RBI lends money to other banks

21. What is Reverse Repo rate?

Ans. Repo rate is the rate at which the central bank of a country (Reserve Bank of India in case of India) lends money to commercial banks in the event of any shortfall of funds. Repo rate is used by monetary authorities to control inflation.

22. Which bank is called as Central bank?

Ans. RBI is also called as Central bank.

23. What is Internet banking?

Ans. Banking through internet is called Internet banking.

24. What is Inflation?

Ans. It is a state where money looses the value hence prices will go up (or) Decreasing the value of money.

25. What is Deflation?

Ans. It is opposite to inflation. Money will have more value. Here the product looses the value.

26. What is Debit cum ATM card?

Ans. The customer can deposit and withdraw cash by means of magnetic ATM card.

27. What is ATM?

Ans. Automatic Teller Machine

28. What are PLR and BPLR?

Ans. PLR - Prime Lending Rate

BPLR - Basic Prime Lending Rate

29. What is Credit card?

Ans. Credit card is a plastic instrument that can be used for the purchase of goods and services. You can buy the services and then pay the cash to the bank. Limits will be fixed based on the net worth of the customer.

Leading credit cards: VISA, MASTER.

30. What is an NRI a/c?

Ans. NRI stands for “Non Resident Indian”. An Indian who is residing in abroad can open an SB a/c in Indian banks. These accounts are called NRI a/cs.

31. What are CRR and SLR?

Ans. CRR: Cash Reserve Ratio – It is the ratio of physical cash that every bank has to keep with RBI.

SLR: Statutory Liquidity Ratio – It is the ratio of liquid assets that every bank has to keep with RBI.

32. What are RTGS and NEFT?

Ans. RTGS: Real Time Gross Settlement.

NEFT: National Electronic Fund Transfer.

These two are the two methods through which funds can be transferred from one bank to another bank.

33. What is NPA?

Ans. NPA: Non Performing Asset: When a loan becomes bad then it becomes NPA.

34. What is online banking?

Ans. Online banking (or Internet banking or E-banking) allows customers of a financial institution to conduct financial transactions on a secured website operated by the institution, which can be a retail bank, virtual bank, credit union or building society.

Interview Questions and Answers for Freshers Tell Me about Yourself Why Should We Hire You? What Are Your Strengths and Weaknesses?

What Is the Difference between Confidence & Overconfidence? Difference between Hard Work and Smart Work? How Do You Feel About Working Nights and Weekends Can You Work Under Pressure? Are You Willing to Relocate or Travel? What are your Goals in Life for Future? What Motivates You to Do a Good Job? What Makes You Angry? What are your Outside Interests? What Was The Toughest Decision You Ever Had To Make? How Much Salary Do You Expect? Where Do You See Yourself In 5 Years From Now? Why Do You Want to Work at Our Company? The interviews are much important to check the ability of the candidate giving the interview to the interviewer and also stressful for the job seekers even they have gone to the number of interviews. To reduce the stress there is a better way and that is to be prepared for the questions that can be normally asked by an interviewer.

The interview has its own importance and it gives an insight of the person possesses the interview. The candidates, going for an interview must review all the questions that likely being asked. And he/she must also review the sample answers to those typical questioning of interviewer.

If you are preparing for the interview, then also research about the company conducting the interviews. Doing this you will be ready with knowledgeable points about the company that help you to give effective answers while interviewing for job.

From an interviewer point of view the importance of Interview is that they get a chance to see is the applicant/aspirant matches up to the resume. The interviewer observes the personality of the person is he/she perfect for the job or not. The interviewer evaluates many things like the confidence of the person, skills and abilities, attitudes and other activities.

Form the point of interviewee is that he/she got a chance to expand on good points of resume and can negotiate the bad points. By this interview the person get to know about what the company like behind the front door.

Some of the questions those generally being asked by the interviewer with assumed answers from the interviewee are likely as follows:

1) Tell me about yourself. Use “Picture Frame Approach”

Suggested Answer - Answer in about two minutes. Avoid details, don’t amble. Touch on these four areas:

How many years, doing what function, Education credentials, Major responsibility and accomplishments, Personal summary of work style (plus career goals if applicable)

2) Why should we hire you in our Organization?

Suggested Answer - Tell about the strengths and achievements so far. By this the interviewers come to know about your fitness for the job. Remember in mind that the interviewers are very experienced, so never say something about yourself that is not true. If you try to outsmart saying something untrue will disqualifies you from job opportunity.

3) What do you know about our organization?

Suggested Answer - Research the target company before the interview. Basic research is the only way to prepare for this question. Do your homework, and you can score big on this question.

4) According to your definition of success, how successful have you been so far?

Suggested Answer - Be prepared to define success, and then respond (consistent record of responsibility)

5) Why you want job in a government bank when you can get better salary in private jobs?

Suggested Answer - The question is mostly asked to the candidate about 90% for knowing about the person desirability. The candidate must be prepared for this question and never straight away to say that you didn't get job anywhere in private sectors or saying about the stresses of private jobs. Rather you must be realistic in answer to show your genuine desire of working in a Govt. sector.

Bank of india clerk interview questions :

1)Where was the Head Quarters of Bank of india located ?A)Bandra (East),Mumbai.

2)Who is the Chairman of Bank of india ?A) Shri. Alok Kumar Misra

3) When did the bank came into existence ?A) 7th September, 1906

4) What was the Bank of india initial name?A)

5) When was nationalised Bank of india?A) July 1969

6) Bank of india Line ?A) “Banking services with an attitude of care and concern for the customers and patrons”

7) could you tell about Network of Bank of india?A) The Bank has 3101 branches in India spread over all states/ union territories including 141 specialised branches. These branches are controlled through 48 Zonal Offices . There are 29 branches/ offices (including three representative offices) abroad.

8)Why do you choose clerk job as your career ?A)You just say, “Job Security and Job in Bank of India is a privilege and it is a service to nation”

9)What do you think of the responsibilities / duties of a clerk job in the banking sector ?

10)How do you prove yourself as a successful employee ?

11)Tell us about yourself ?A)Introduce yourself , your education, your current job,etc in a short and sweet manner.

12)Tell us about your schooling background ?

13)Tell us about your academic career ?

14)What are your hobbies ?

15)What are the primary functions of a commercial bank ?A)The primary functions of a commercial bank include:a) accepting deposits; andb) granting loans and advances

16)What are the salient features of Indian Banking Sector ?

17)Can you explain the reforms that taken place in the Indian banking industry ?A) The Narasimham Committee laid the foundation for the reformation of the Indian banking sector.Constituted in 1991, the Committee submitted two reports, in 1992 and 1998, which laid significant thrust on enhancing the efficiency and viability of the banking sector.

18)What are the functions of Reserve Bank of India ?A)Mainly the functions of RBI are classified as follows:Bank of IssueBanker to GovernmentBankers’ Bank and Lender of the Last ResortController of CreditCustodian of Foreign ReservesSupervisory functionsPromotional functions

19)Tell some of the Qualitative methods used by RBI for credit control in the country ?

20)Tell some of the Quantitative methods used by RBI for credit control in the country ?

21)What is Bank rate ?A) A Bank rate is the interest rate that is charged by a country’s central or federal bank on loans and advances to control money supply in the economy and the banking sector. This is typically done on a

quarterly basis to control inflation and stabilize the country’s exchange rates. A fluctuation in bank rates triggers a ripple-effect as it impacts every sphere of a country’s economy. For instance, the prices in stock markets tend to react to interest rate changes. A change in bank rates affects customers as it influences prime interest rates for personal loans.

22)What is Cash Reserve Ratio – CRR?A)The Cash Reserve Ratio (CRR) refers to the liquid cash that banks have to maintain with the Reserve Bank of India (RBI) as a certain percentage of their demand and time liabilities. For example if the CRR is 10% then a bank with net demand and time deposits of Rs 1,00,000 will have to deposit Rs 10,000 with the RBI as liquid cash.

23)What is Statutory Liquidity Ratio – SLR ?A)Statutory Liquidity Ratio refers to the amount that the commercial banks require to maintain in the form of cash, or gold or govt. approved securities before providing credit to the customers. Statutory Liquidity Ratio is determined and maintained by the Reserve Bank of India in order to control the expansion of bank credit.

24)What is Repo rate ?A)Whenever the banks have any shortage of funds they can borrow it from the central bank. Repo rate is the rate at which our banks borrow currency from the central bank. A reduction in the repo rate will help banks to get Money at a cheaper rate. When the repo rate increases borrowing from the central bank becomes more expensive.The Reverse repo rate is the rate at which the central bank borrows from the banks, while the Repo rate is the rate at which the banks borrow from the central bank.

25)Can you explain the terms National bank, Scheduled bank, Commercial bank, Cooperative bank, Private bank, Foreign bank ?

26)What Is Inflation?A)Inflation is increase in price of products & decrease in value of money.

27) Difference between Repo rate and Bank rate?A)The Main difference between Repo rate and Bank rate is that Repo rate is the discounting offered by the RBI on the monetary bill hold by the Banks

28))Important Terms?SLR – Statutory liquidity ratioCRR - Cash reserve ratioRepo rate - It is the rate at which RBI lends money to Banks.Reverse Repo Rate – It is the rate at which Banks park their funds with RBIBank Rate – It is the rate at which RBI lends money to Banks.Call money rate - It is the rate of interest charged by the banks for temporary borrows among banks LedgerTender Money – Currency issued by RBI Optional Money – Cheques, DDs, Bankers ChequesPlastic Money – Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions.Core Banking – Networking of Banks for providing any where any time Banking is called Core Banking.Merchant Bank provides capital to firms in the form of shares rather than money.Investment Banks tend to provide investment to firms.Corporate Banking looks after the needs of big firms, companies, business entities.Business Banking looks after needs of medium level business firms, entities, individuals.Retail banking focuses to provide services to individuals.Private banking focuses to provide services to high net worth individuals.

Lead Banking focuses on providing all type of financial services.Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.

29)What is a bank?A) A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money. It is an institution for receiving, keeping, and lending money.

Canara bank clerk interview questions:

1)Where was the Head Quarters of Canara Bank located ?A)Canara Bank, Head Office, Bangalore

2)Who is the Chairman of Canara Bank ?A) Mr S Raman

3) When did the bank came into existence ?A) July 1906, at Mangalore

4) What was the Canara bank initial name?A) Initially the name was ‘Canara Bank Hindu Permanent Fund’Later changed as ‘Canara Bank Ltd.’ in 1910 and became Canara Bank in 1969 after nationalization.

5) When was nationalised Canara bank?A) Nationalization in the year 1969

6) Canara bank Line ?A) “Global Bank with Best Practices”

7) could you tell about Network of Canara bank?A) Canara bank with 3057 branches and over 2000 ATMs, catering to all segments of an ever growing clientele base of over 37.5 million.

8)Why do you choose clerk job as your career ?A)You just say, “Job Security and Job in Canara bank is a privilege and it is a service to nation”













21)What is Bank rate ?A) A Bank rate is the interest rate that is charged by a country’s central or federal bank on loans and advances to control money supply in the economy and the banking sector. This is typically done on a quarterly basis to control inflation and stabilize the country’s exchange rates. A fluctuation in bank rates triggers a ripple-effect as it impacts every sphere of a country’s economy. For instance, the prices in stock markets tend to react to interest rate changes. A change in bank rates affects customers as it influences prime interest rates for personal loans.







28))Important Terms?SLR – Statutory liquidity ratioCRR – Cash reserve ratioRepo rate – It is the rate at which RBI lends money to Banks.Reverse Repo Rate – It is the rate at which Banks park their funds with RBIBank Rate – It is the rate at which RBI lends money to Banks.Call money rate – It is the rate of interest charged by the banks for temporary borrows among banks LedgerTender Money – Currency issued by RBI Optional Money – Cheques, DDs, Bankers ChequesPlastic Money – Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions.Core Banking – Networking of Banks for providing any where any time Banking is called Core Banking.Merchant Bank provides capital to firms in the form of shares rather than money.Investment Banks tend to provide investment to firms.Corporate Banking looks after the needs of big firms, companies, business entities.Business Banking looks after needs of medium level business firms, entities, individuals.Retail banking focuses to provide services to individuals.Private banking focuses to provide services to high net worth individuals.Lead Banking focuses on providing all type of financial services.Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.


syndicate bank po interview questions :

1)Where was the Head Quarters of Syndicate Bank located ?A) SyndicateBank Head Office Post Box No.1,MANIPAL 576 104 (Udupi Dist),Karnataka, INDIA

2)Who is the Chairman of Syndicate Bank ?A) Shri Basant Seth, Chairman & Managing Director of Syndicate Bank

3) When did the bank came into existence ?A) Syndicate Bank was established in 1925 in Udupi.karnataka

4) What was the Syndicate bank initial name?A)On 10.11.1925, the business of the Bank commenced in Udupi with the name “Canara Industrial and Banking Syndicate Ltd.,”a joint Stock Company with just one employee.Name of the Bank changed from “Canara Industrial &Banking syndicate Ltd.” to “Syndicate Bank Limited”. Head Office was shifted to Manipal on 19.4.1964.

5) When was nationalised Syndicate bank?A) Bank was nationalised on 19th July 1969

6) Syndicate bank line ?A) “Your faithful and friendly financial partner”

7) could you tell about Network of Syndicate bank?A) the total network of branches to over 2300.

8)Why do you choose po job as your career ?A)You just say, “Job Security and Job in Syndicate bank is a privilege and it is a service to nation”

9)What do you think of the responsibilities / duties of a PO job in the banking sector ?








17)Can you explain the reforms that taken place in the Indian banking industry ?A) The Narasimham Committee laid the foundation for the reformation of the Indian banking sector. Constituted in 1991, the Committee submitted two reports, in 1992 and 1998, which laid significant thrust on enhancing the efficiency and viability of the banking sector.











28))Important Terms?SLR – Statutory liquidity ratioCRR – Cash reserve ratioRepo rate – It is the rate at which RBI lends money to Banks.Reverse Repo Rate – It is the rate at which Banks park their funds with RBIBank Rate – It is the rate at which RBI lends money to Banks.Call money rate – It is the rate of interest charged by the banks for temporary borrows among banks Ledger

Tender Money – Currency issued by RBI Optional Money – Cheques, DDs, Bankers ChequesPlastic Money – Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions.Core Banking – Networking of Banks for providing any where any time Banking is called Core Banking.Merchant Bank provides capital to firms in the form of shares rather than money.Investment Banks tend to provide investment to firms.Corporate Banking looks after the needs of big firms, companies, business entities.Business Banking looks after needs of medium level business firms, entities, individuals.Retail banking focuses to provide services to individuals.Private banking focuses to provide services to high net worth individuals.Lead Banking focuses on providing all type of financial services.Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.


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1)Where was the Head Quarters of Corporation Bank located ?A) Mangalore in karnataka state

2)Who is the Chairman of Corporation Bank ?A) Shri Ramnath Pradeep appointed on Sept 1st 2010.

3) When did the bank came into existence ?A) Established on 12th march 1906 at the temple town of UDIPI in karnataka state.

4) What was the coporation bank initial name?A) Initially the name was “Canara Banking Corporation (Udipi) Limited” later In 1939, the Bank’s name changed from Canara Banking Corporation (Udipi) Ltd., to “Canara Banking Corporation Ltd.,” with the motto-“ Sarve Janah Sukhino Bhavantu” which means “Prosperity to All ” .The second change in the name of the Bank occurred in 1972, from ‘Canara Banking Corporation Ltd.’ to ‘Corporation Bank Limited.’ and finally ‘Corporation Bank’ following its nationalization on 15th April,1980.

5) When was nationalised corporation bank?A) 15th April, 1980

6) Corporation bank “Corporate Vision”?A) ” The Most Preferred Bank with Global Standards ”

7) could you tell about Network of Corporation bank?A) The Bank with a Network of 1176 Branches,1159 ATM centers,and 1408 Grameen vikas kendras as on 30th Sept 2010 .with 10 million coustomers across india.

8) Why do you choose clerk job as your career ?A)You just say, “Job Security and Job in Corporation bank is a privilege and it is a service to nation”









17)Can you explain the reforms that taken place in the Indian banking industry ?A) The Narasimham Committee laid the foundation for the reformation of the Indian banking sector. Constituted in 1991, the Committee submitted two reports, in 1992 and 1998, which laid significant thrust on enhancing the efficiency and viability of the banking sector.











28))Important Terms?SLR – Statutory liquidity ratioCRR - Cash reserve ratioRepo rate - It is the rate at which RBI lends money to Banks.Reverse Repo Rate – It is the rate at which Banks park their funds with RBIBank Rate – It is the rate at which RBI lends money to Banks.Call money rate - It is the rate of interest charged by the banks for temporary borrows among banks Ledger

Tender Money – Currency issued by RBI Optional Money – Cheques, DDs, Bankers ChequesPlastic Money – Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account.Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions.Core Banking – Networking of Banks for providing any where any time Banking is called Core Banking.Merchant Bank provides capital to firms in the form of shares rather than money.Investment Banks tend to provide investment to firms.Corporate Banking looks after the needs of big firms, companies, business entities.Business Banking looks after needs of medium level business firms, entities, individuals.Retail banking focuses to provide services to individuals.Private banking focuses to provide services to high net worth individuals.Lead Banking focuses on providing all type of financial services.Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.

29)What is a bank?A) A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money. It is an institution for receiving, keeping, and lending money

Read more: corporation bank interview questions for Clerks - www.corpbank.com http://www.freejobalert.com/corporation-bank-interview-questions/13636/#ixzz3dc6IaIXX

Indian bank clerk interview questions:

1)Where was the Head Quarters of Indian Bank located ?A)Chennai,Tamilnadu

2)Who is the Chairman of Indian Bank ?A)Shri T.M. Bhasin

3) When did the bank came into existence ?A)Established on 15th August 1907 as part of the Swadeshi movement

4) What was the indian bank initial name?A)

5) When was nationalized indian bank?A)

6) indian bank Line ?A)’Taking Banking Technology to the Common man’

7) could you tell about Network of indian bank?A)Core Banking Solution(CBS) in all 1801 branches,1059 Automated Teller Machines(ATM), 57000 ATMs under shared network.

8)Why do you choose clerk job as your career ?A)You just say, “Job Security and Job in indian bank is a privilege and it is a service to nation”


















26)What Is Inflation?A) Inflation is increase in price of products & decrease in value of money.


28))Important Terms?SLR – Statutory liquidity ratioCRR – Cash reserve ratioRepo rate - It is the rate at which RBI lends money to Banks.Reverse Repo Rate – It is the rate at which Banks park their funds with RBIBank Rate – It is the rate at which RBI lends money to Banks.Call money rate – It is the rate of interest charged by the banks for temporary borrows among banks LedgerTender Money – Currency issued by RBI Optional Money – Cheques, DDs, Bankers ChequesPlastic Money – Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions.

Core Banking – Networking of Banks for providing any where any time Banking is called Core Banking.Merchant Bank provides capital to firms in the form of shares rather than money.Investment Banks tend to provide investment to firms.Corporate Banking looks after the needs of big firms, companies, business entities.Business Banking looks after needs of medium level business firms, entities, individuals.Retail banking focuses to provide services to individuals.Private banking focuses to provide services to high net worth individuals.Lead Banking focuses on providing all type of financial services.Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.


Read more: indian bank clerk interview questions - www.indianbank.in http://www.freejobalert.com/indian-bank-clerk-interview-questions/14100/#ixzz3dc6a8FO5.

Prepare well for the interview. Have a hair cut , a clean shave .Wear Light shirt (white shirt) and a grey or black pant and black shoes clean polished.Enter into the interview hall with all your academic documents (certificates)Tell, May I come in Sir. Once allowed to come in. Greet the Panel as Good Morning(From 8AM to 12 PM0 or Good Afternoon (From 12 PM to 4 PM) or Good Evening Sir ( After 4 PM)

27. Please tell us something about yourself?28. Please introduce yourself ?29. Please a brief introduction about yourself ?30. Which area do you belong to? Which college have you done your graduation ? where was your

schooling from?31. What was your percentage in Matriculation, 10 + 2 and Graduation.What subjects you had taken32. What was your score in the written examination.

33. What do you know about Odisha Gramya bank ?34. How many nationalized banks are there in India ? In which year did the banks get nationalized.35. Is Odisha Gramya Bank a nationalized bank?36. Where is the head quarters or headoffice of Odisha Gramya Bank?37. What is bank and what are its functions ?38. What is the necessity of GRamya Bank when there are so many nationalized banks in India like

SBI, Bank of India, Indian Bank etc39. How is Gramya bank different from Co-operative society.40. What is Cash reserve ratio.41. How is a demand draft different from Bankers cheque42. What are the different types of loans.What is the percentage of interest levied on them43. What is a balance sheet /bank statement.44. Why do you want to join the Odisha Gramya bank?45. What do you do in your leisure time or what are your hobbies46. Do you read news papers ? Who is the editor of the news paper ?47. What is core banking ?48. What is the difference between RTGS and NEFT?49. What is Dhan Jan Yojana ? what is PMJBY and PMSBY ?50. What is retail banking ?51. What are the different types of loans and deposit schemes in gramya bank?52. What is OGB Smart card ?

Odisha Gramya Bank is established on 7th January 2013 with the amalgamation of Neelachal Gramya Bank, Kalinga Gramya Bank and Baitarani Gramya Bank as per the Government of India ,Department of Financial Services,Ministry of finanace,Notification No. F.1/1/2012-RRB dated 07.01.2013 issued under sub-section(1) of section 23A of Regional Rural BankAct 1976(21 of 1976).The share capital of the Bank is contributed by the Government of India(50%),the Government of Odisha(15%) and the Indian Overseas Bank(35%) .Indian Overseas Bank is the sponsor bank. The Head Office of the Bank is loacated at Bhubaneswar.The bank has 9 regional offices located at Balasore, Baripada, Cuttack, Chandikhol, Dhenkanal, Jashipur, Khurda, Keonjhar and Pipli. The bank has a network of 525 branchesspreadover13DistrictsinOdishaStateviz.,Angul,Balasore,Bhadrak,Cuttack,Dhenkanal,Jajpur,Jagatsinghpur, Kendrapada,Keonjhar,Khurda,Mayurbhanj,Nayagarh,Puri. To provide training to our Staff members a Learning Centre is established at HO.Bank has set up Central Clearing Office at Bhubaneswar.Bank has a house magazine called ‘SRUSTI’ .

Sri B. Nayak

Chairman, Odisha Gramya Bank

Head Office, Gandamunda

PO-Khandagiri

Bhubaneswar-751030

DOC-29.11.2014

Shri M.M. Sarangi,

Deputy General Manager,

Indian Overseas Bank,

Central Office,

763 Anna Salai,

Chennai-600002

Date of Joining- 19.03.2015

Continue till such time a fresh nomination is made.

Shri P.K. Mohanty

Chief Regional Manager,

Indian Overseas Bank

Regional Office,

B/2 West, Sahid Nagar

Bhubaneswar 751 007



Shri Rabin Kanti Roy

Deputy General Manager,

National bank for Agriculture and Rural Development,

Odisha Regional Office,

2/1, nayapali Civic Center,P.B.No 179

Bhubaneswar -751015



Smt. Maya Parhi

Asst.General Manager

Reserve Bank of India

Pt.Jawaharlal Nehru Marg,RBI Building,

Bhubaneswar-751001


Continue till 11.02.2015

or till such time a fresh nomination is made.

Shri T. K. Pradhan

Director,

Institutional Finance & Ex-Officio Additional Secretary to

Government of Odisha,

Finance Department,

Odisha Secretariate,

Bhubaneswar -751001



Sri N.B. Jawale,IAS

Director, (Special Projects)

Panchayati Raj Department,

Government of Odisha,Secretariate,

Bhubaneswar-751001


Continue till 12.10.16

Sri Subhankar Mohapatra

At- Neliabag

PO- Srikanthapur

Dist-Balasore-756001

Odisha


Continue till 12-09-2015 such time a fresh nomination is

made

Sri Brajabandhu Behera

At- V-IM- 413

PO-Sailashree Vihar

Bhubaneswar-751021

Odisha


Continue till 30.01.2016 such time a fresh nomination is

made

bank interview questions

Documents

gramya bank different

bank of india

necessity of gramya

indian bank etc13

interview panel

common question

nationalized banks

interview hall