Ibps po3 , clerk 3 and rrb discussion

Bank PO IBPS PO 2018
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👍 Interview 7th jan-afternoon session
United bank , Bhubaneswar
26 students total ,not eligible -2
4 members all're male
My turn came around 6.20pm
Entered n wished them.😃 😃 😃 😃
Questions started wid name, family background, qualification etc.
Then,
real interview started.mg mg

Q1-Which metal stays in liquid state at room temp.?
me- (what 😠 !!!!) den answered correctly.
Q2- What is the function of kidney?
answered but he was not satisfied.
Q3-What is an amphibian?
answered correctly.
Q4-Who belongs to the family of armabldsghkjn....?
couldn't understand that properly after they repeated 2 times😠😠😠😠
Q5- Give definition of banking (yes..finally)..... according to Banking Regulation act..mg mg(then I laughed on myself)
answered, though not xactly but tried....
--- Ok, thank u, all the best...u may leave now..
I was like REALLY !!! IS IT !!!!!embarrased embarrased

Thats my xperience of intrvw....I am not even thinking if that went good or not. Instead am thinking Did they really ask me bout Kidneyyyy.😠
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What is Basel Norms ?👏👏👼👼👼👼

Bureau of International Settlement (BIS) headquarters at Basel, Switzerland has appointed a committee to supervise and to set some standards for International Banks. This committee is known as Basel Committee on Bank Supervision (BCBS). The rules and regulations for Banks issued by this committee were called Basel Norms / Accords. There are three Basel Norms, namely Basel I, II and III.

Basel I Accord : This was issued in 1988. This accord focused on the capital adequacy of financial institutions. Banks that operate internationally are required to have a risk weight of 8% or less. India adopted Basel I Norms in the year 1999.

Basel II Acord : This is the second of the Basel Accords, published in the year 2004. This consists of the recommendations on Banking Laws and Regulations issued by BCBS.

Basel III Accord : Basel III guidelines were released in the year 2010. This is to enhance the banking regulatory framework. It builds on the Basel I and Basel II documents and seeks to improve the banking sector's ability to deal with financial and economic stress, improve risk management and strengthen the banks' transparency.

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Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. An estimated 2.5 billion working-age adults globally have no access to the types of formal financial services delivered by regulated financial institutions. For example in Sub-Saharan Africa only 24% of adults have a bank account even though Africa's formal financial sector has grown in recent years.[1] It is argued that as banking services are in the nature of public good; the availability of banking and payment services to the entire population without discrimination is the prime objective of financial inclusion public policy.

purpose

1access at a reasonable cost for all households to a full range of financial services, including savings or deposit services,

payment and transfer services,

credit and insurance;

sound and safe institutions governed by clear regulation and industry performance standards;

financial and institutional sustainability, to ensure continuity and certainty of investment; and

competition to ensure choice and affordability for clients.


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1 diff b/w RRB and nationalized banks?

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Interview Experience - 7th Jan, 2014. Noida. Panel No. 12.


Reporting time - 1 pm.
Documents verified by - 3:45 pm.
Interview time - 4:45 pm.(20-25 mins approx.)

I greeted them good evening. 4 member panel - all male. They started with -
Why Banking after Engineering? Replied.
Asked about father and his occupation - he is a businessman so again the same question - Why not joining business? Same reply. (With extra mirch-masala :P)
Then questions about banking:-
When were banks nationalized? Answered wrong.
How many were nationalized? Answered right.
Why were they nationalized? Didn't know. Said sorry.
What are bank ratings? No idea.
Which is the highest rated bank? No idea.
On what basis are the ratings given? No idea.
Did you do any coaching? No.
How did you select your preferences - Consulted with friends and Google-ed it.
If you a manager of the bank and there is a huge cash withdrawal, how will you control it? Answered it to the best of my knowledge.
If you are a manager and we have to open a new branch in a new city, what steps will you take? Tried to answer it.
Current Affairs Question - Dada Sahab Phalke Award? Why is it given? Who has been it given to this year? Who has been conferred Bharat Ratna this year? Which F1 racer has met with an accident recently?

It was a good experience. Ended on a lighter note.
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What is MICR : stands for Magnetic Ink Character Recognition. MICR Code is a numeric code which uniquely identifies a bank branch participating in the ECS Credit scheme. MICR code consists of 9 digits e.g 400229128 i. First 3 digits represent the city (400) ii. Next 3 digits represent the bank (229) iii. Last 3 digits represent the branch (128) The MICR Code allotted to a bank branch is printed on the MICR band of cheque leaves issued by bank branches.👼👼👼

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Bank of India, Noida: 7 Jan, 8 30 am

Panel:9

Documents verified by- 9 15 am

I was the first one to get it done as the guy on my side was having issues as he was this year's passout.

I had a good conversation with the guy checking my documents who asked me why I had quit my higher paying job for this one. I told him I'd quit two years ago because of bad work-life balance, and he said that PO's also have to work a lot these days and he himself put around 12-13 hours each day. After verifying all my docs; this really took a lot of time as he was checking each and every document; he pointed out to me a mistake in my name for the second sem marksheet but did not make a hue and cry about it. Also, he gave me advice on how to behave in the interview and what were the probable questions in the interview. He told me to play it cool and behave as if it was only a conversation and said that with my work-ex I really had a good chance.

After this, I was raring to go!


I had to wait outside the interview room for around ten minutes as the panel had not assembled and my documents had not been delivered. In that time I chatted a bit with the coordinator about how the panel was and whether they would conduct the interview in Hindi and English; he said both. After that I was called in by the panel which had 4 members who all were male.


1. I was asked to introduce myself by the first member which I did, and then he asked me questions about Delhi and the changes that it had seen over the last 13 years. After that, he asked me what would I do if I was in charge of Delhi just like Kejriwal is right now! Then he asked me about my college, where it was and the famous personality it is named after. After that, he asked about my father and what he did and he stopped after that.


2. The second one asked me about my work exp, what I did in my job, and why I had quit it. He again said that Bank PO job was also tough. Then he asked me about other papers I had given so I told him about RBI Grade B and NICL. He asked me whether I would choose Grade B or PO, and I was able to justify my reply. He asked me about my degree. Then he asked me the subjects I had in my college degree. He stopped after that.


3. The third one asked me in detail about and the projects I worked on. Then he asked me about MOA and AOA (Memorandum of Association and Article of Association) and the difference between them; I was somewhat able to answer this question. After that he asked me about contracts and which people were not allowed to enter into them; I knew this.


4. This was the worst part of the interview for me. He first asked me whether I had accounts as a subject and I told him I did. He asked what is DSCR(Debt Service Coverage Ratio); I could not remember it. Then he asked me what is positioning in marketing and especially for banks? I was able to somewhat answer this. Then he asked me what is breakeven point and what is the formula? I was somehow able to answer this but he was not very happy with this.


After that I was allowed to leave, I was hoping they would offer me the toffees on the table but they did not p
All in all an excellent experience with a very cordial panel which took around 10-15 mins.

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My Interview Experience


Interview Centre: Bank of India, Sec-62, Noida - 201005

Time: 1 Pm Panel: 2

Document verification didn't take much time... around 10-12 mins....(I didn't have my degree, they said that it is very important... I am a 2009 pass out but still haven't collected it.....stupidest thing I have ever done.... They made me sign an undertaking.....)

While documents were being verified, someone came and told them that lunch is gonna be at 1:15, so send students accordingly.... We were asked to come at 2Pm and go to first floor...

At 1:45, We went upstairs in the waiting room, waited for 1-1.5 hours, then my name was called....

Gentleman sitting outside the room asked me to wait and take a seat... He took my mini interview right outside...What have you done....Job karte ho?...Kitna score hai?... When I told him I got 89, he looked impressed😃. He then stopped asking me and shifted his focus on the other girl.....

I then saw someone carrying a stack of papers and recognized mine on the top...The person sitting outside asked him to take them inside.....I was called after 3-4 mins..

4 members in the all male panel. Out of them, 2 were Sikh Gentlemen...
From my left, M1 didn't say anything... he was just observing me throughout...M2 asked the most and he was like the voice of that panel...M3 also asked some questions...M4 asked just one question...

Wished them Good Afternoon... M2 and other replied....
M2: So you are Kusum Jethwani?
Me: Yes Sir..

Tell me about your schooling?
Where do you live? What have you done in Graduation?
Marks in 10th and 12th, graduation?
When did you pass and what were you doing afterwards....

He asked me why I didn't mention my work experience when applying... Told them that since we were shifting, I was not sure about the experience papers.... He laughed and said why now?
I said I have them now... He asked for them and I presented the same....

Asked about the salary.....

M2 and M3 took a close look at my documents....

M2 asked if I have written anything recently.... I replied in negative. Told them that I last wrote about my college fest for the college magazine....embarrasedembarrased

Then he asked about 2-3 journalists that I liked?

Took the name of Ravish Kumar and Arnab Goswami....

M2 suddenly became more animated... He was surprised at this... said why do you like him... He shouts so much...

Told him that I admit he does, but he is right...he is just a bit aggressive....

At this he turned towards M1 and said Today's generation like aggression...and they shared a laugh ..

He said so you like aggression, even when there is no substance....

I told him that before initiating any debate, he gives a background, that shows he is well informed and does his research before grilling... He nodded.. and then passed the proverbial baton to M3😃

M3 asked if I read anything about banking?

I said just the basics....

I told him about Mutual Funds
He asked what is the %age of Mutual funds in the Financial products?

I told him that I don't know the exact %age but I am aware that it is very less....

He asked me reasons?

Told him about lack of awareness....

He asked for any other reason...

Told him that it is mainly lack of awareness and also, those who are aware, they tend to invest more in individual stocks than mutual funds...

Then he asked me about the major problem being faced by the banks?

Told him its NPA..Debt restructuring....

Asked me a few companies which opted for debt restructuring

I replied, Spicejet... he said are you sure?... I corrected myself, and said Kingfisher airlines, he said that's correct...I couldn't recall any other company at that point of time...😠😠

He then asked about my score? He looked impressed too....

M4 then asked me about Bank rate.... Which I couldn't reply... Guess I got scared in the end...

He the looked at M1... He said he doesn't want to ask anything....

M2 then said that we are done and all the best.....

When I turned back and was closer to the door, I heard them saying, that she has good score.....

It didn't go as I planned....Sorry about the long post.... I have a Journalism background so they asked me about Journalists.....

All the best to everyone... who have given the interview and those who have to face the firing squad....😃.. Your views are welcome....

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can ne1 pls tell me the pay scale for SO officer scale-I....??

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guys i was asked this last question! So are you working?

me: yes sir.

panel :Are you working till date

me : yes sir

panel : so what is your salary?

me : 24500 pm

panel : you will get only 2000 extra and posted somehwere in a remote area in Bihar, govt's rule dude. 3 years pure rural service even if you score high or whatever. You won't have water, no proper food no infrastructure, no proper sanitation, Won't you quit the job?

me : sir, i have always been in chennai right from my childhood. Even my workplace is in chennai. I am so comfortable now. But i want to come out of that comfort zone. It will make me self-reliant and help me mature. Also it will be a very nice and challenging experience. I am ready for it. And i am so interested in banking. So i would definitely serve anywhere

panel : thanks !

my question. I am currently employed. Will they over look me? because there are many people who are unemployed.

Please clear my doubt! anyone!

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my interview experience @ ahmedabad panel 3
memebers=4 (all males)
me: may i come in?
they said yes with smile..
they wished me my b'day first..
then asked about my introduction..
i answered (which i already prepared @ home)
then they asked about my family background.. which place i belong.. how many members are in my family.. who run the family.. my hobbies..
no question about banking.. current affairs. nothing ..
all persons who gave their interview most of them said same answer that they did not ask anything about banking...
all panel members were very good and friendly..... all are supportive..
👏👏👏👏👏👏👏👏👏👏

now hope fro the well...
they used both language hindi and english.... one male person dat is punjabi he didnt ask anything...

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Can anyone open savings bank account in NABARD and RBI? Who can open in it?

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going for interview today..first in my life..need your wishes puys..

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how many photocopies of the originals we have to take?? 1 or more..?

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Interview place: Ahmedabad, 7th January 2014

Reporting time: 13:00
Interview time : 15:48
Interview duration: 11 Minutes
Score_exam: 83
Panel :III
No of panel members: 4 Males ; all +50; one sardarji didn't speak a word ( though he had very kind expression)

( Greetings exchanged)

Panel Member 1:
What is your education?

Where did you work?

Inquiry about my previous company Capacity, my responsibilities, current position of the company, some gossip about the company ( it seemed they were trying to check my loyalty skills), reason for leaving my previous job.

Inquiry about my current job.

Inquiry about my family background.

Inquiry about my hobbies.

At last number of friends in real life and number of friends on Facebook 😉

Bottom line: I couldn't judge it was good or bad .It was less of an interview and more of inter-view. Need some blessing and sanskar from #AlokNath.


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my interview experience @ Ahmedabad panel 2

members=4 (all males)....M1,M2,M3,M4

me: may i come in?they said yes.they said me to sit

me:Said good afternoon sir....they reply good afternoon

And then M1 start by asking what u have studied in graduation

Me:B.B.A

M1:before graduation what u have studied..

me:Sir i have studied commerce in my class 12th

M1:What were ur % in 12th std

Me:sir i got 61%

M1 now asked me question in hindi..

M1:kab pass kiya h B.B.A

Me:2013

M1:pass krne ke baad kuch nahi kiya

Me:I said i have the offer letter of axis bank but i was not able to join bcoz my father met a accident and they were hospitalized, burden and responsibility of family came to me and i was not able to join the bank.

M1:okey

M1:Kya study kr ke aye ho..banking pad liya hoga n

Me:sir thoda bahult study kiya h.

M1:ye repo rate,reverse repo kya h..

Me:answerd

M1: ye rbi repo,reverse repo ko kam kr ke kya krti h.

Me:answerd

M1:who is governer of RBI?from where he belong?prior rbi where he was posted. what was the position?in which world institution he was posted..what was his post?

Me:Answer

M1:At last ask me about my score

Me:75

M1 said ok......THEN M2 started and M2 started in Gujarati

M2:asked me about my hometown,the earthquake,where i am living,how many siblings,.

Me:answerd each question but while answering i started in Gujarati...then convert my language in hindi.

the said ok.

i said Thank yo sir....


Now don't know how my interview had gone....just want to pray the GOD! that Good should happen😃....BEST OF LUCK!! TO EVERYONE👍

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any1 signed some undertaking ?


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INTERVIEW EXPERIENCE --> 07/01/2014


Venue - CANARA BANK METRO CIRCLE OFFICE
BANGALORE

PANEL - 3
TIMING- 1 P.M

Document Verification completed by 1:15 p.m
There were total 4 members. I was the first one to be called for interview.


M1- What was your %age in B.com ?
What is Current A/c
What is Balance Sheeet
M2 - Wh y do you want to join bank ?

M3 - What is direct & indirect tax?

M4 - What is branchless banking ?
What is financial Inclusion ?
What Kind of services Banks provide apart of deposits & loans ?

M1 - What is your score ?
GOOD LUCK Mr.Singh (while Smiling 😁😁)

4795

I have scored 81 in written ........cat obc........my interview was not up to mark ........most of answers I gave were " I don't knw"......r there any chances of failing me....

feeling upset since 2 days


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A Certain Question in the interview starting from today, till 12th January.. Just read the 'Nutshell' part in the article... 😃 ATB 😃


Nachiket Mor panel proposals: Internal dissent...
Business-standard
The recommendations made by the Reserve Bank of India s ( RBI) committee on comprehensive financial services for small businesses and low-income households have failed to impress some of its own members. The panel, chaired by RBI s central board member Nachiket Mor, issued its report on Tuesday.