hey anybody giving ib??
if yes then
guys tell me how is IB life what they actually do ????like james bond kufia agents??all that???tell me in detail so that i can decide whether to attempt or not!!!!please guide me??and tell me is each section has different cut off or total cut off??
Interview experiece..
27th jan 2015
kolkata, ubi staff training college. time-1pm
we were allowed to entr the buildng at around 1.15pm..
i was frst fr verifictn frm my panel whch had aroud 15-20 guys.. verifctn took 10mints, very cooperating people in verfctn..
accordng to the attendence roll i was called 1st to go fr intervwe too..
entered at 2.15pm.. 5member panel (4 men+1 lady)
M1- chairman the rest follows..
entered the room greeted all..
M1-take ur chair.. said my name n asked its meaning..
M1- where do u leave.. family members..
Me- told.. added my nativity..
M1- wht ur fthr doing.. Me- told..
M1-wht ur doing now.. Me- MSc Economics..
M1- if get the job will u leave the educatn.. clarify ur stand..
Me- clarified statisfactorily..
M1 passed it to M2
M2- wht are ur strength?
Me-told..
M2-give example.. M-given..
M2- suppse ur the maneger of a new brnch in a rural area how will u understand the bussiness requirmnts??
Me- i will try to understnd the basic nature of the plce.. the prime occupatn etc..
M2- how will u understnd thse?
Me- will tke a tour of the area..!!
M2 highly satisfied passed it to the lady (L)
L- tell me the conditn of indian economy during 1991..
Me- told.. there were many counter questn.. answered thm according to my knowledge of indian economy studied in my grads..!!
L passed it to the M3..
M3- wht in mobile bnking.??
Me- told..!! got confussed with sms bnkng..!! he corrected me..
M3- wht is imfc??
Me- sorry sir dont knw..!! (1st time heard of the trm :P)
passed to M4
M4- wht ws the imprtnce of ysterday?
Me- 66th republic day..
M4- wht is the imprtnce od republic??
Me- said fredom, soverniety etc..
M4- wht ws the spcl tv prgm ystrdy??
Me- parede..
M4- who were sitting withn the bullet proof enclousre..
Me- said 6 names frgt 1.. he didnt mind abt tht..!! ð
retrn of M1
M1- wht is subprime crisis??
Me- told..
M1- why called subprime?
Me- sorry..!!
M1- wht corrctve action ws tken..?
Me- said..!!
M1- do u knw abt Mahalanobis plan..??
Me- yes sir.. explaind..!! some crss questn..! answred..!!
M1- yes thus govt has a role to play..!!
Me yes sir ofcrse..!!
M1- thnk u..!!
bfre i lft he said govt is needed in the economy..!! thts why u cme to us not icici..!!
Me- ofcrse sir.. 85% of the people stll undrstnds sbi or psb's as the Bank..!! ð cme out of the room..!!
overall im satiesfied..!! can say 3 panelist incldng the Lady ws satisfied, cnnot mke out the sense of M1 and M3...
interviwe lasted fr 15mnts..!!Â
expctng the bst..!! ð
3003
19-01-15
8:30 am
panel 2
center: UCO bank ..XYZ
mtech (computer sci) 2014
just to make myself comfortable, I reached the center at 7:15 am , at this time 6 candidates were already there..... 2 girls n 4 guys... all were looking very confident n happy especially those 4 boys they were well suited booted with tie n coat... and i was just in simple light blue striped shirt n dark brown pant.....by looking those guys i was like WTF .... wat iam doing here.... inko job nai meelega to kya mereko meelaga then after 5 mins candidates started coming. With the increase in candidates i found not only me all the candidates except those 4 guys were like me... uff... really that was a huge relief......i made some new frnds there, we chated for few mins n
finally around 8:25 am every one was allowed to enter the bank....we went to our panel floor and waited for document verification..i was around no 18....every one was numbered from 1-25... means max 25 per batch/panel....after my document verification they send us to the interview waiting room...now the real game begins .... before entering the room i was very confident...it was like aab to phod dunga....
I entered the room
me: may i come in !!! they said "come in"....
there were 4 gentlemen n 1 lady.... i entered the room .... aab pata nai kya hua... when i put my first step inside the room... it felt like i m putting my first step on moon some Neil Armstrong kind of thing.....all my confidence ," aab to phod dunga" wala dialog sab fusssss..... nervousness were flowing through my veins.... but some how i managed myself ... n i went near the chair ... it was a conference hall...all were sitting in a oval table or u can say corporate type round n oval table were high level meetings are done.... 5 chairs were opposite to me...only one chair my side...
hr: plz take ur seat
me: thank u sir
hr: tell me about yourself?
me : explained myself...but due to nervousness... i was stuck between saying my qualification... 1st mtech then btech...then mtech frm this place this unversity.....then hr interrupted
hr: (with smile) wait... u r 1st sayin higher qualifivcatin then lower then higher...
me: (smilingly ) .. yes sir... then it was ok ... finished with my family background....
hr: hmm ... so ur father is in army???
me: yes sir hr: tell me something about spy agency?
me: explained about IB... internal affairs ..with details
hr: wat abt foreign affairs??
me: explained abt RAW..
hr: ok..any other agency???
me: ( i was like aab ye kya.... pata nai kaha se.. i told) .... sir nsa .. natinal secrty agncy...
hr: (smiling) no no... in state???
me... ( totally blank ) ...told there is no state kind of thing.....but finally... i dont knw sir
hr 1: wat is banking????
me: explained
hr 1: can u n me open a bank???
me: ( lo... aab kar lo mazak) ... tried to convince ...that we cant... lots of things are there to be fulfilled etc etc.. banking regulation act 1949 ... man power , capital, standardization bla bla bla....
hr 1: ok ok... then can reliance can open a bank???
me: ( first time with full confidence) ... YES SAR...
hr 1: ( with confidence)... NO
me.. Ooh.. but sir bandhan....( here hr got attention)
hr 1: u know abt bandhan but u dont know about reliance... were did u get to knw abt bandhan????
me: sir i read abt it in some paper...
hr 1: then u should also knw abt the other one????
me: after taking.. 13 sec of meditation ... i replied IDFC
hr 1: good ( chalo yaar ... life me phelibar .. kisi ne to samjha mujhe) then he passes me to hr 2 .... i saw hr 4 n hr 5 were digging my files like a gold mine....kahi kuch mil jaye.... ð
hr 2: why banking after engg...????
me: ( with excitation bcoz i knw this will be asked).... i told every thing from my grads ... why not it company.... why mtech... (except why banking )...
hr 2: ok fine but why banking?
me: (now i realized ...ki mene kya kya).. then i explained.. .
hr 2: hmmm... but if u get a better opportunity in ur domain will you go???
me: (man hi man... kyu mazak kar rahe ho sir) ....but explained...
then he passes to hr 3.. ( he is very smart kind of person ... he knws...ki kya poochne se bande ki watt laga sakte hai )
hr 3: so u had ur education in KV(kendriy vidyalaya)?
me: (proudly) yes sir
hr 3: then wat is written over the batch of KV students???
me: {{ man hi man....ye kya sir....besically i knw but i was nt sure..... man kiya ki chullu bar panni me dub maru.... i was totally blank... means seriously ... 10 saal KV me aur ye pata nai....bahut awkward moment tha wo.... finally after remaining 15 sec fainted.}} .....i said No...
hr 3 was not impressed i am sure abt it.... then hr 4 .... the gk guru...
hr 4: who got noble peace prize last year???
me: ( now recovering form the last incident)..... sir last year..
hr 4: yes
me: ( still i was nt recovered... it took me few sec ).....told both the name..n their work
hr 4: first noble prize????
me: ( i knw the answer but it was not coming to my brain).... remained silent...
hr 4: ok who got recently???
me: ( aab pehela yaad nai aa raha ..recent 4 japaniyo ke kaise aayenge). .... suddenly ... one name came to my mind... i said Sir Raman..
hr 4: wat ??
me: Mr Raman the previous ans..
hr 4: and recent???
me: dont knw ( technically pata hai....written me option jaisa milta to kar deta)
hr 4: for wat he got noble prize??
me: still knwing the answer it was nt coming to my head....pata nai kyu hota hai aisa.... i said no..
now hr 5 the lady with smile
 hr 5: so u gave pnb as ur 1st preferences ...why?
me: copied from the net...bla bla bla
hr 5: chairmen of pnb?
me : ( best ans ever) ... dont know maam
finally main hr told .. all the best u can go.... but yaha picture khatam nai hua... when i stood from the chair to leave .. my left foot stroked the table..it was a lite one not with that force . looked back to the table ... check the glass on my table its ok.....bas dheere laga tha .... i thanked every one and left the room... dont knw wat will happen but disappointed that no one asked me a single technical question....eek bhi nai ð .... pata nai kya hoga......but i knw, m fcuked up... lets see for the results...finger crossed..
Hello friends!
Since I gain from your experience, I would like you to gain from mine ð
Inverview experience + Some important tips (in last)
Total time- 15-20 mins.
5 panel members- (M1 M3 M4,M5, M3 is the "king" in center)
I am Engineerman, salman ka fan
M3 reminded me of chacha choudhary, so I introduced myself with a genuine smile.
M2- Introduction and profile based questions (my profile is an odd apple). Took about 4-5 mins.
M1- basic questions- NPA, repo rate (definition and value), number of PSBs
Till this point my interview was average.I was expecting NIA act, loan, derivatives, debentures, futures, forwards type questions. At least it would have given me a chance to shine, else I would have said with smile "I am sorry, I don't know :)"
M2- Can you tell something about bank culture in America
Me- I praised it just enough to irk the "Lion king" of that panel, M3.
(Whoops, I plucked whiskers of their king, else Lion wouldn't have spoken so soon. mazak mazak main bulldozer ke niche aa gaya ð )
M3- (roared in his clear and audible tone with normal expression but palpable serious intention) Mr.X, you told that they are better trained in xyz, but it is their ass which got burnt in 2008 sub-prime crisis while ours is still smooth and shining in all its glory, like kohinoor
Me- I answered why their ass got burnt and not ours, and mentioned how our lovable genius RBI Governor Raghu bhai warned them to wear bullet proof knickers, but they didn't listen, and now they bear the ever itchy stamp of 2008 sub-prime crisis on their ass cheeks. Each time they feel pain, they remember genius Raghu bhai's warning about risks and think "kaash baat main li hoti".
M3- He asked why Indians were not affected much in 2008 sub-prime crisis.
Me- answered
This is the only 'wow' moment in my interview, because 'irked king' turned happy. Looks like i ticked their funny bone, because all 4 had big smile. 1 Panel member gave me thumbs-up and he also wished me "have a nice day" in end too. M5 was still silent- hamara bajaj, akela jahaaj.
I read about 2008 sub-prime crisis few days ago, not for interview but for some other purpose, which is coming near.
Jaako rakhe saiyan, maar sake na koye!! ð
M4- What is the logo on bottom-right of debit/credit card'
M4- Why we use them only
Me- By mistake I called it 'banking channel', I think they are payment gateways.
M2- question on RuPay
After that, vibe in hall changed. We talked a little about urban and rural banking conditions in India as compared to other countries in brief.
M2- If we hire you then can you bring xyz change in banking. I think he was making fun of me. Anyways, I said "ayee sirr !!"
My tips (it is my personal opinion not the best opinion):
Let's call candidate/candidates as C.
I think that they check C's sensitivity to general but important issues too, maybe because C scored heavily in GA by mugging spoon fed information from coaching, magazines or e-capsules.
Many have said that being confident and calm matters most. But, it only holds importance when you are prepared to a certain extent. If we puke with confidence, it will not shine like rainbow and smell like rose. So be prepared, if this exam is your top priority.
If panel sense that this exam is not important for you, you may get low marks, or worse, you will fail by 2-4 marks. If they sense that you are too confident and this exam is not important to you because it is a back up, then also same consequences may follow. Many more reasons are there.
Based on what I have read in most interviews and seen in mine, there is a part about definition and another about application. Second part matters more and generally asked as follow up questions, after first part.
(Candidate is C) If you have failed in previous interview, then rewind and analyze again and again. If you are good or/and scored good marks, then why only you were separated? What if there was a trap to get answer out of you without letting you know?
For example (real situation), when asked about how your engineering (computer, electronics) degree will be helpful to us, almost always C try to justify it by emphasizing computer skills. Tadaaa, Booyah !! Bank has IT officers for that job. C just stepped on land mine. Panel will smile and enjoy this moment because almost whole battalian did same before C, and Panel will not let C know. Poor C is confident and thinks"hmm, panel smiled and looks convinced". By trying to justify it, C is telling them that C doesn't know what job PO is about. They will notice that C is bluffing. Worse, C may sound like "allah ke naam pe dede baba, main kuch bhi karunga :(".
They do like computer skills to tackle minor problems, so officer won't need to call technician every time, which halts work. But, it doesn't give engineer upper hand.
Now, C may be asked about duties of PO as followup question or C may be asked to try for IT officer exam if C emphasizes his/her computer skills too much. Let's say C gave impressive answer to what are duties of PO. Ding ding ding! Innocent C stepped on landmine again. If C knows about duties of PO then why C lied about how his/her computer skills will give him/her upper hand. This has happened for real, multiple times.
Don't try to justify by saying engineering makes you creative, ready for any challenges etc., unless you can prove. Whole army before you will make similar claims, because that's natural. Firstly, they might think that "so, is C successful in his/her own field?". If yes, then bingo! If not, then booyah! Secondly, they might ask that, what makes C think that he/she can do better than those who have done Bcom, Mcom, mba etc.? I am not speculating, because this has already happened.
I just gave an example in which we make mistake without realizing. There are many cases. Post has already become gigantic ð
Bring semester-wise marksheets and its photocopy, which is not mentioned in Call letter. Avoid hassle of tutu-meme.
Try to interact with others as it lifts spirit and confidence to levels you will not believe. Talk to those who are interested.
Don't beat around the bush in answers, it gives negative impression.
Rather than asking for permission to guess answer one can start with "I believe, I think, I am not sure but I think, create better phrase :)". By this, you have made it clear that "mister! me not bluffing".
Be confident about your life. Everybody goes through a time when their knicker had holes. You didn't? :?
In my opinion, we don't need to maintain smile all the time. We are not a joker in circus. One can definitely crack a joke or two, if interview is going good. Barack Obama also kept mood light in serious speech with tidbits "chai pe charcha" "PM Modi's fashion sense exceeds first lady Michelle's". Although, avoid expression which shows anger/frustration.
If interview takes bad turn, tell them where you put efforts and how much. If you have not put any effort then kindly accept what was already coming.
Thank you for reading.
All the best, not just for this, but for further endeavours! ð
After interview what could b d expected date of final list to be declared.??
Hii puys!!!
Done with the interview but not able to understand how it actually went... :/
I was the first one to be interviewed today in the morning session. There were 5 persons in the panel (4 male and one female). Everyone was frowning and not smiling at all, except for the lady. Also, all of them were asking questions, unlike other panels where one is silent observer.
I went in, wished all of them and they replied as if doing a favour on me.. :/ The chair was kept in the corner, they asked me to pull the chair in the centre and then started.
M1: Tell me about yourself
Me- answered
M1: Tell me something about your family?
Me: Answered (I didn't anything about my family in my introduction)
M2: You are already earning more, why you want to move to a lesser paid job.
Me: Answered
M2: Why banking only?
Me: Answered
M2: Functions of bank
Me: Answered
F1: What is difference between bearer cheque and order cheque?
At that moment, I was completely blank and not able to answer such a easy question. Said sorry and moved on to next question.
F1: Â What are the problems Indian economy is facing?
Me: Told all about CAD, unbanked population and all the big things I was reading these days.
F1: What about poverty and illiteracy?
Me: I was like $^%%^&%^$... didn't say the simplest things.
M3: What will happen if a person removes money from the recurring deposit before maturity date?
Me: Answered.
M4: What are the security features of bank note?
Me: Was able to answer only two.
M3: What is KYC?
Me: Answered
M2: Will you be able to relocate yourself?
Me: Said yes and given points supporting my answer,
M1: Who is Hemvatinandan Bahuguna? (Common last name)
Me: Answered
M2 said thank you very much.
Interview lasted for about 12-15 min.
They had chocolates on the table but didn't offer me...does that mean I am out ð :(Â
Just a quick survey Answer thi simple ques regarding ur interviews guys?
0 voters
ok guys i am telling  my intrvw experience
venue =vijayawada andhra bank zonal office
panel-3 dt=24/01/15 time=8;30
i have reached venue at 8.00 clock thinking that i could be few who reached first but there r nrly 40 guys in the checking hall
after completion of my verification  my intrvw is hpnd at 11;40
i entered the room
then without sitting i am waitig for them to tell me sitdown
they told take ur seat
ok where r u frm?
me nuzvidu
what is name of ur college
i replied
what is ur father doing?
i repied
why do u left ur job?
sir i wanted to join in banking thats why i left the job
ok what is ur salary?
i said 10k
what is salary at starting ?
i said 5k and ending 10k
oh u r having 100% hike in salry jokingly
m1 asked did u heard name punjab in the state?
acrdng to my knwledge except in punjabi dhabas we would never heard abt punjabi in ap
then he rptd again did u knw punjab state?
yes sir it is near to haryana
why did it get the name of pujab and holy place?
name of punjab-no idea sirji
holyplace- amrithsar
m2 what is percapita income?
i said total national income/total population
then comes panel head
what is inflation?
i replied increase of prices is called inflation
then he asked is inflation growth is good for economy?
i replied upto some extent increase in inflation is good for economy but more than it is danger for economy
why r u telling increase of inflation is good for indian economy?
i answered sir with rice in prices only the national income will increase sir
then he said  other cross question
if there is increase in prices how will bpl guys survive?
then increase in prices should upto some standard so that it does not effect them
another cross question what is that standard?
i said standard ncy flowupto the value that a common man could bear
then he asked why inflation will result in increase in prices?
then i try to explain the standard principle demand increase
then he interupted me and said dont tell me theory tel me practical solution
then one of the panel member said with example if u have demand of 100 eggs  u have only 50 eggs the what hpnd
then panel head interfered an said if we have shortage of goods we will import it then why prices are increasing
now i am in defence situation
i replied if we imports then there will be decrease in rupee value
then he asked why modi and ncbn are going to foreign begging to invest in india instead of if rbi prints currency is there there will be no problem
i said if it prints as it likes the value of rupee will be decreased
he asked how does rbi print currency?
rbi prints the currency depending on forex reserves
then he told leave abt foreign factors who controls the currency flow?
i said rbi controls
then he asked how?
i said by using crr repo rate
then he again interupted and said dont tell me theoritical tell me practical answer
i said repo rate
then another panel member askd why banks nationalised
i said in those days the credit facilities are available for only limited people that why indira nationalised
then she asked after nationalisation is credit available for everyone?
then i said i cant tell for everyone credit is available but for majority of ppl r getting credit from banks today
then another panel number asked
which state is called egg bowl of asia?
i said no idea
answer for it is andhrapradesh
then he said ur intrvw is completed
tell me frnds ur views on my intrvw
if they offer choclate after interview.. does that mean they are impressed??
Guys i am telling  my interview experience
venue = Staff college Bank of Maharashtra , pune
Panel II, Date 24/1/2015, Time 1 PM
I reached venue at 1:15 PM (Thanks to OLA CAB, worst service in pune ) & waited till 3 PM for document verification, it started at 3:30
got over at 3:45 after completion of my verification  my interview started at 4:45 PM
I entered in the room...
I saw there were 6 people (5 male  1 female)
Q1 . Are u working
Ans. Yes, then spoke about my job profile and nature of work.(Working in a insurance co.)
Q2. Tell me diff between insurance Co and Bank
Ans. Answered
Q3. Tell me the diff between PSb and Privte bank in favour to PSb.
Ans. PRivate are for only profit but PSB also does social service while doing banking..because they are not completely for profit.
Q3. Tell me diff between Share and Debenture
Answred
Q4. Tell me about IBIT
Ans. I do not know sir.
Q5. What is LIBOR
Ans. Answered partially like London Inter bank offer something like that
 Q6. What is Cupon and yield
Answred.
Q7. Where does profit go in balance sheet, Â Asset or Liability
Ans. In liablity.. then asked why.. becaue i liablity of co to its shareholder.
Q8. There were some crisis in 2008-09 in USA
ans sub primecrisis
Q9. Tell me co. who got bankrupt in this crisis
Ans. Lehmen brothes, AIG bla bla
Q10. IF NPA is so high in banks why cant bank stop giving loan to public.
Answered..that it is main bussines of bank to give loan and earn income form this they can not stop it, but they can do more filteration
and screening while giving loan to people and bussines
Q11. Tell me bank also sell insurance product so whether  it is a good thing for bank or bad because bank depsoit ae moving towards insurance endowment products.
Answered..that everthing has pros & cons, in somway it is good for banks to sell insurance prroducts first they are getting some earing y selling insurancce second when a person comes for insurance
bank can offer other products which are related to baning like FD, RD so this way we can attracct more customer to banks..
Q12. Why ECGC first preference.
Answered because i have 2 years exp in insurance co & Â i also got 2 diploma in insurance ..and ecgc is an insurance co. that is why i wnt to go to eccc
there were 2-3 more questions were there but i can not reccall those questions.
They said okk Anil u caan leave..
I said thaks sirs and mam..
Have a good day sirs..
That's it guys..
please do let me know about my interview exp..
MY INTERVIEW EXPERIENCE:
UNITED BANK OF INDIA KOLKATA HEADQUARTER
22ND JANUARY PANEL 5
after document verification , we were called for the interview. as i entered , i was a bit shaky but they made me comfortable within a minute. there were 6 panel members ..all serene and composed. that let me made myself attain the peace of mind from the shaky entrance. they asked about my college and the city where i did my college from.Â
I am a  mechanical engineer , so it was an obvious question to be asked wy banking? i replied in full confidence, whatever came into my mind and in the thought process
they asked me some banking terms which i was not able to answer, so one member from the panel enquired if i had come prepared for the interview or was just a day out.Â
they asked about NITI ayaog.
they asked about my home town, threw a puzzle which i by grace of god solved as i was really in the peace of mind.
they asked about world bank, its chief , chief economic advisor, share market ,which i answered by what i knew of it .Â
overall it was an enriching experience and i loved the way panel members conducted the interview. i hope this short experience helps.
P.S : i had not really gone prepared and took interview as a challenge, i could really express myself well and i was satisfied with the way i conducted myself withought getting nervous and saying whatever i had in my mind.
Friends, any one here preparing for NABARD have any idea about the test date? Past year papers link?
Do share!
Thanks.
i reached the interview venue at 12noon exactly. Although reporting time was 1pm.The interview was scheduled at uco bank shimla panel 1.The documentation was done quickly as i was alligned at number 3rd.Now panel members went to lunch.The wait is further extended by 2 hour.Now around 3:45 i got my turn.As bell rung nerves went on high.i said May i come in please..i found 4 male members and 1 female
M1 pankaj sharmame yes siri wished the lady ist goid afternnoon mam then other male members
.M1 sit downme thanku sirnow pin drop silence for a while(man mai chl rha tha atleast intro se start lena)
M1: okay pankaj tell me about yourself your family background wat you have did in education job etcme explained wellnow confidence boosted(ab man mai pucho kya puchna)
M1 chlo btai bank rate kya hota haime explained very wellM1 explain gdpme explained
M1 question on national incomeme no idea sir
M1 tell me something about balnce sheetme toldM1 balance sheet dekhi hai kbime no sir
M1 lgta hau theoritical hi knowledge haiNOw
M1 pass on to M2M2 went through all my dmcs whr he saw optics commm.
M2 tell me optics fibreme totally stunnedexplained lil bit
M2 beta koi phenomenon hota haime sir abi yad ni aa rha(ans was total internal reflection)
Now M2 passed to M3M3 rabi ki fasale btayeeme again stunned try to answer makka nd all he was not convince at all..i told him ulta makka kharif ki fasal hoti hai
M2 acha chlo green revolution ke bare mai btaome fasal ke chakkar mai green revolution bi bhul gaya said no idea sirNow
M2 againacha chalo bilaspur ke bare mai btaome started xpalaining about history nd all
M2 famous kya hai wo btaome bakra nangal shri naina devi kandriur bridge laxminarayan mandir
M2 kyun ACC cement factory ni haime sir hai barmana mai hai
M2 acha mall road shimla ki height btaome sir around 2200 metres
M2 juch jyada ni bta rheme sir itni hi hai (bad mai search kiya it is around 2300metre)
M2 acha chlo everst ki height btaoome sir 8948metres(full confidence)
M2 sureme han ji sir
M2 India ka highest peakme sir kanchanjunga
M2 height btaome sir 8411metres full confidnce ke sath bahut sal pehle pda tha
M2 achame yes sir
M2 acha chalo ist man on everest btaome no idea sir
M2 acha chalo ist man on moon btaome neil armstrong
M2 acha chlo himachal mai aur kya famous hai btaome sir hydro power plant apple orchards bas tbi yhi yad aa rha tha
M2 aur btao kuchMe sir yad ni aa rha
M2 yar chejo ko explore karome ji sir i will
Now M2 passed on to M4 He said i dont have question..feeeling aye kisi ne to baksha then M1 passed on to mammam ne bi kuch ni pucha shayad sbse pehle unko wish kiya is liyeM1 said ok pankaj we hav done u can gome i came out with lil smile on face..Overall it was good..leavr the rest just pray for best
pls guys suggest me book  for banking awarness ,,,, which is helpful in interview,,,,,,,,,Â
Interview location: Andhra Bank Apex college, Hyderabad Timings: 8:30 AM
Panel members: 4 (one lady 3 gents)Â
verification was smooth
M1: tell us about your education and family.
Me: Replied and stressed that I had worked in Bank if America for 6 months as Business analyst
M2: what did u work as there and role?
Me: explained in detail
M3: Recently Bharat ratna was given to whom? Me: answered
M1: question prompted by lady panel member and the question was what award did L K Advani get recently. Me: answered
M1: Ok who won what awards from our Telangana state in Padma categories.
Me: PV Sindhu and mithali raj won padmasree
M2: what is white label ATM? Me: answered
M2: wht are those private companies called
Me: sorry I don't know
M2: they are called NBFC's Me: ohh ok ... Non banking financial corporation
M2: yes, tell me which NBFC became bank in 2003.
Me: sir I am not sure but can I take a guess (he nodded yes) and i said ICICI
M2: what is micro-finance regulation act? Me: I am sorry sir I don't know about it.
M3: u did pharmacy and then MBA and worked for 6 months and now not working how can u say we should select u?
Me: explained how adaptable and fast learner I am.
M4: so u are adaptable.
Me: yes sir adaptable and fast learner also.
M3: there are leaders in banks can u be innovative leader? (my mind got stuck never heard of it)...... (After a pause he continued ) ...because there's "something" that's a big problem for banks and leaders aren't able to bring it down or control and it's continuously giving losses... How can u bring "that something"down by ur innovative leadership.
me: sir I am sure the senior bank management is very much strict about analysing a project's viability before sanctioning loan, but yet if NPA( this is what I understood from his speech) aren't coming down I think I will look for the root cause and hidden reason and try to solve it.
L1: why is Hyderabad famous now.
Me: It has historical importance and explained economical and financial importance, and diverse cultures present and said that's y it's an important place and famous.
M1: ok thanks gentleman u can leave now U DID WELL...GOOD!!!
awaiting feedbacks friends...Â
Guys...what you think? will the salary be increased this time or it remain unchanged in Public sector banks?
And is there any chance that they reduce the working hours to 5 days a week like all other jobs of the centre?
Who is appearing for Agriculture Insurance Corporation ltd ?
What is Promissory Note (PN)?
What will be the overallÂ
Interview Experience PO
28 Jan.bhopal
M1: kab graduate hue
Me: 2013
M1: kya kar rahe the ab tak
Me: banking preparation
M1:satna ke bare me btao me:satna is famous for cement factories as limestones and dolomite are there about native places chitrakoot,mahir,bhrut stup
M1: to chitrakoot me ram ji kyo aye the wo to ayodhya me rahte the
Me: wo van wass me thode din ruke the (galtiho gayi 14 saal ni bole)
M1:aur bhrut stup me aur sanchi stup me kya similarity hai Me:dome like structure
M1: wo dan patra ke structure se bana hai na
Me:confused yes 2 sir
M1:tum ex ke ho kya karoge humare liye
Me:sir abi ecs, cts hai to main in sab me help kr sacti hun aur as an eng analytical skills ,aur fir age to sir khudi han 2 leadership quality ,comunication skill main yes sir aur hostler so I know how to talk and how to convence some one
M2:repo rate decrease hone se kya fayda hai
Me:loan km rate pe milta hai, economy grow krti hai
M2:slr aur crr kyon maintain krte hain
Me: crr as security as bank take loan in form of repo rate (sab hans rahe the q bank pasa leke bhag jayega ans glt tha) fir slr when all loan become npa and there is no deposite with bank then bank can use slr for transactions M1:npa kyon hota hai
Me:economy growth agar km hai to log loan ke paise pay ni krte to npa generate hota hai
M3:tum npa kaise km kr sacte ho
Me:sir main credit rating dekh ke loan provide krungi ya fir deposite dekh ke loan provide krungi agr tb loan npa hojata hai to main notice bhejungi ki loan repay kren M1:tum eng kyon ki
Me:sir main us samaye 17-18 ki thi to eng sab kahe ki acha status aur level provide krta hai aur fir main jab eng ke 4yr me decide kiya gov sector me jane ka
M4:to tum psu me koyn nai gye
Me:sir usme post bhot km hai ok all the best main baithi thi to muje lga aur puchenge bs itna hi fir bole ok beta go than thank u sir
this was my interview