INTRODUCTION

It’s time to be set for the upcoming Interview phase of the various exams i.e. SBI PO, RRB
Officer Scale I, IBPS PO, IBPS SO, BOB and Other Banking/Insurance Exams that you have
taken or will take. All of you give your blood and sweat to Pre and Mains, you have to take hold
of your breath and hit the interview session hard. It is because only the deserving candidates are
selected. So, to be one of those deserving candidates, you ought to work really hard.

The total marks allotted for the interview are 100. The relative weightage of CWE and
interview is 80:20 respectively i.e. 80% from the written marks and 20% from the interview
marks.

Through this interview the panel evaluates the skills and potential of the candidate
with regard to the post he/she has applied for. Interviews usually involve a transfer of
information from interviewee to interviewer, which is usually the primary purpose of the
interview. The panel wishes to perceive the capabilities, attitude and knowledge (pertaining to
the field) of the candidate.

Banks are susceptible to many forms of risk, so all they want is an honest employee with
all the required skills to aid the bank and orient its business so that it can flourish in this
competitive economy. So, you need to hold onto these expectations of the bank.
 TABLE OF CONTENT

 PRE-REQUISITES FOR AN INTERVIEWPRE-REQUISITES FOR AN INTERVIEW

 HOW IS THE ENVIRONMENT IN A BANK?
 WHAT TO WEAR TO A BANK INTERVIEW?
 Common Job Interview Questions
 Questions Based On Subject Specialized
 INTERVIEW EXPERIENCES

PRE-REQUISITES FOR AN INTERVIEW

For most of you, facing an interview is like a nightmare. You wish to get hired for the post,
yet you get scared. However, an interview is just a mind game which requires a few right steps to
get through. A few basic things when done right, can lead to amazing opportunities. Below are
stated a few basic requirements you need for any interview to get you ahead.

1. Copies of resume, credentials and photos.

You should not leave any chance of postponing any part of interview because of absence of your
credentials or any document. If any document is missing, it will result in revocation of the
interview.

2. Punctuality.
Your employer can delay an interview but you should never arrive too early or too late for an
interview. Arrive on time even if you have to get up extra early in the morning.

3. Attire - Dress well.

Dressing well is a must but most people get it wrong. In latter part of the capsule, we have
mentioned in detail about what to wear and what not to.

4. Research about the company and position.

Familiarize yourself with the bank before your interview. Thoroughly research the organization’s
position and other basic details before you go for an interview because questions can be based
on this basic information also.

5. Make note of all your achievements

Highlight Your Strengths. Focus on your relevant strengths in the interview. The interviewer or
hiring manager will give you plenty of opportunities to talk about yourself. Recall if you have
performed any leadership role or managed an activity really well. Except for theoretical
knowledge and technical skills, employers look for such managerial skills too.

6. Show your Personality

As important as your skills are, remember that bank tellers constantly deal with the public. The
best way to illustrate the right attitude is to maintain a positive, friendly, conversational and
collected demeanor throughout your interview. This shows that that you can comfortably deal
with the face-to-face communication that is vital to the position.

7. How will you be an asset to them?

Have a clear picture of how you can benefit the organization. Make them know how are different
and more capable than the other candidates.

8. Knowledge of what you have written in your resume.

The majority of questions asked are from what you have mentioned in the resume. More and
more questions arise from what you say. So, be cautious of what you have mentioned in the
resume.
9. Presence of mind.
You ought to have a strong presence of mind while the questions are being showered on you.
Unexpected questions may arise or questions can be framed from what you’ve just said and you
can be puzzled/baffled too. At that time, having a strong presence of mind will help you steal the
answers from your previous experiences.

HOW IS THE ENVIRONMENT IN A BANK?

Working environment is one of the essential human requirements that enable people to
perform their work effectively under defined conditions. It is the quality of the employee’s
workplace environment that has most influence on the level of employee’s motivation and
subsequent performance.

A bank can only achieve its goals if it succeeds in strengthening the bond between its
employees and the bank and by promoting its professional development and satisfaction. Its
objective is to make all of its employees, ambassadors of a performance culture that defines
sustainable growth based on responsible values as a priority. That is why teamwork and team
building are of crucial significance for any bank, because innovative solutions for its clients can
only be found by taking various different perspectives into account.

Every bank goes to great lengths to recruit the most talented young people for it. At the
same time, it makes the best use of the experience and competencies of the older staff. In
addition to fair remuneration and working schemes along with interesting vocational and
supplementary training options, banks also place great value on an equitable work-life balance,
thus ensuring increasingly greater employee satisfaction.

However, this is the brighter side. You have to slog your guts off in order to standout
always. The work pressure is high many a time as your work could indirectly make or mar the
economy of the country. So, this too has to be fed in the brain.

Also, your level of patience would be tested at every step because you encounter situations
wherein you go jittery, sometimes anguish, or maybe emotionally overwhelmed. You need to
take control and make a wise decision regardless of anything or anyone affecting your decision.
 WHAT TO WEAR TO A BANK INTERVIEW?

“You can have anything you want in life if you dress for it." — Edith Head

Isn’t it well said???

What you wear is how you present yourself to the world, especially today, when human
contacts are so quick. This is instant language. Proper attire is necessary for any job interview,
and when it comes to bank interview, it is particularly upscale and comfortable.

Most of you neglect this important aspect and then have to face negative outcomes just
because of this. So, need not avoid it and make sure you wear something that falls within the
realm of business casual.

a. Formal dress code for men:

 Men can opt for plain light-colored formal shirt and tie. Trouser should be plain and of
dark shade. In winters, wear a formal suit or blazer of solid color.
 In order to avoid any mishap, get your clothes cleaned and ready a day before the
interview.
 The tie you’ll be wearing has to be simple and not too flashy.
 Your shirt should be properly tucked-in.
 Shoes should be well polished.
 Make sure your hair is neat and clean, if required get a hair-cut.
 Avoid wearing jeans and T-shirts.
 The nails and teeth should be neat and clean.
 Take care of your body odor. Use a talcum/deodorant after your bath.
 Try not to wear sneakers, noisy shoes, or very high heels for an interview.
 Never bring chewing gum, coffee, soda iPod etc. to the interview.
 Most importantly, wear a smile on your face.

b. Formal dress code for women:

 In India, women are often confused when it comes to dressing for an interview. The
reason is they unable to decide whether to opt for western outfits or the traditional
Indian formals. And since most of the companies hiring in India allow both of them, so it
is suggested to choose the style in which you feel comfortable.
 If you opt for Indian formals, use plain cotton salwar kameez with plain dupatta.
 Avoid low-cut necklines. Prefer light pastel shades. Don’t use very colorful clothes.
 If you opt for western formals, use plain light-colored blouse (i.e. shirt or any formal ) with
formal trouser or skirt of conservative length, up to the knee. Prefer dark shades for the
trouser. In winters, a blazer or formal suit can be used.
 Avoid too much make-up.
 Go for simple jewelry.
 Use low heels so you feel comfortable.
 Common Job Interview Questions

 Tell me a little about yourself.  Tell me about a time you disagreed

 What are your biggest weaknesses? with a decision. What did you do?
 What are your biggest strengths?  Tell me how you think other people
 Where do you see yourself in five would describe you.
years?  What do you know about your family
 Are you willing to relocate? surname?
 Out of all the other candidates, why  What can we expect from you in your
should we hire you? first three months?
 Why do you want this job?  What do you like to do outside of
 What do you consider to be your work?
biggest professional achievement?  What questions do you have for me?
 Describe your dream job.  What do you expect me to
 What kind of work environment do accomplish in the first 90 days?
you like best?  What really drives results in this job?
 Tell me about the toughest decision  Can you explain why you changed
you had to make in the last six career paths?
months.  How do you deal with pressure or
 What is your leadership style? stressful situations?

Questions Based On Subject Specialized

ECONOMICS

 According to you, how much time will  Give SEBI guidelines for a small
it take for the countries to come out investor.
of recession?  How do you determine dollar's rate
 Are exports included in GDP? and on what formula is it based?
 Can you comment something on the  How do you think GDP contributes to
ongoing recession? the economy of a country?
 Can you elaborate on the various sub  How many banks are there in India?
accounts of BOP?  Is forex a part of BOP?
 Can you comment on this year's  Is there any proposal of opening new
budget? banks in India?
 What do you know about the budget  What is inflation?
and the economy?  What is equimarginal utility?
 Do you know of any mechanism by  What is Macro Economics?
which RBI can withdraw excess  Tell me something about GST.
money supply from the FOREX  Tell us about the functioning of RBI,
market? who is the current governor of RBI?
 Can you talk about the  What are CRR, Repo Rate, Reverse
responsibilities of RBI in simple Repo Rate and Bank Rate, how are
points? they used by RBI?
 What are direct and indirect taxes?  What is balance of payments?
 What is a Budget?  What is centre's role and state's role
 What is a SEZ? in planning?
ENGLISH

 Do you read novels?  "The sense of being absolutely in the

 Which one you have read lately? right and longed-for place is fixed and
 Who is your favorite novelist or guaranteed by every ray in the
writer, and why? universe" – who wrote this?
 Name a few books of his/her.  Name a few contemporary Indian
English writers and their work?

HISTORY
 Where and when was the second  Who defeated Muhammad Ghori
Buddhist council held? near Mount Abu?
 Who was the 23rd Jain Tirthankara ?  Rivers Tigris and Euphrates are
 Which Gupta emperor called himself associated with?
“Lichchhavi-dauhitra”?  Which is called "Gift of the Nile”?
 Which Kushana king adopted the  Who is known as the father of
epithet Dharma-thida? Modern Medicine?
 Battuta, the famous Muslim explorer  Marco Polo, the Venetian traveler,
who came to India during regime of traveled from Venice to China and
Mohammad Bin Tughlaq, belonged to Japan in which year?
which country?

AGRICULTURE

 Jute cultivation in India is  Extensive areas of grape cultivation in

concentrated in the delta area of France are especially called?
which river?  To which group does the black cotton
 Which is the largest irrigation canal in soil of India belong?
India?  Name a cash crop in India?
 The eyes of potato are useful for  The variety of coffee largely grown in
what? India is known as?
 What is Slash and Burn Agriculture?  Which crop is grown mainly on
 The nitrogen present in the mountain slopes?
atmosphere is useful for what?  Which acid is used in the production
 Which is the largest cotton growing of fertilizers?
State in India?

GEOGRAPHY
 The Paithan (Jayakwadi) Hydro-  The percentage of irrigated land in
electric project, completed with the India is about how much percentage?
help of Japan, is on which river?
 The southernmost point of  Which group of rivers originate from
peninsular India, that is, the Himachal mountains?
Kanyakumari, is?  Which atomic power station in India
 The pass located at the southern end is built completely indigenously?
of the Nilgiri Hills in south India is  Which crop needs maximum water
called? per hectare?
 The principal copper deposits of India  The watershed between India and
lie in which of the following places? Myanmar is formed by whom?
 The Salal Project is on which river?

LAW
 Who is the Legal Advisor to the  Who was the first woman judge to
Government of a State in India? be appointed to the Supreme
 The power to issue writs has been Court of India?
envisaged under the provisions of  Who was the first woman judge to
which fundamental right? be appointed Chief Justice of a
 With which issue did D.K. Basu v. High Court?
State of West Bengal deal with?  What is the total number of High
 What is the age of retirement of a Courts in India?
Judge of a High Court in India?  Who is credited with drafting the
 Which principle is applicable for Indian Penal Code, 1860?
the purpose of reducing  What is the maximum time limit
multiplicity of proceedings? for filing of a complaint before the
 What does the legal term Caveat consumer disputes redressal
Emptor refer to? forum from the date when the
cause of action arises?
 INTERVIEW EXPERIENCES

Interview Experience 1 – Brijesh Saini (SBI PO)

First let’s discuss about the GD.

Topic: Smaller states are curse or blessing?

We had to speak for or against the given topic. The group discussion went on for 20 Minutes, and
then we reached the consensus that smaller states are a blessing.

Me: May I come in.

Chairman: Yes, come in Brijesh. So, Brijesh you have completed your graduation in 2018.
Me: No sir in 2017, actually degree comes after 1 year.

Chairman: So you must have heard about financial inclusion. What is it?
Me: Extending benefits of government to the needy. Extending banking facilities to the people.

Chairman: How does revenue increase?

Me: Sir more bank accounts more transactions and eventually more money with the bank. We
can extend the loan to more number of people, we get more interest from it. We can sell
insurance products to more number of people. So the revenue increased. (He said very good)

M1: What are the qualities that you have?

Me: As a son of army personnel I am punctual and well disciplined. I am the captain of my school
so I learn management and how to be a team leader from there and by participating in team
events during my school and college. I learned that how to be a better team person. Sir these are
also the most important qualities a banker should possess. (seems satisfied)

M1: Have you heard this word “Scorpene”?

Me: Yes, ma’am. It is a Submarine, it was in news as some data was leaked regarding that in
Australian media (I’m not sure), India and France were partners.

M2: Why is discipline so important according to you in banks?

Me: Sir, to manage resources of the banks so that we can enhance the values and can achieve
the mission of banks, we ought to be disciplined and aligned.

M2: Tell me some some schemes by the Education (HRD) Ministry.

Me: Sir, recently, keeping in tone with the Digital India, the former HRD Minister SmtSmritiIrani
started the Pariskshak, err, Prashikshak for teachers, also, NCERT has been made available in
App format with the launch of Paathshaala.In the early 2000s, SarvaShikshaAbhiyaan was
started.

Then comes the women in the panel my friends told me that it is difficult to impress her. (F1)
F1: Suppose you are the manager of the SBI how do you think a quality of a manager should
possess and how you can use your qualities there.
Me: I said ma’am it is the mission of SBI to provide .simple, responsive and innovative financial
solutions.
(She interrupted in between please answer in short).

Me: The manager should have following qualities like communication skill, honesty, punctual,
disciplined, and target oriented.
(when I said target oriented she said yes I am looking for that word thank you) everyone starts
laughing.

M2: So your father was retired army personnel why didn’t you try in defence.
Me: sir I have given 3 SSB’s after my 12th but unable to clear than after graduation I did give CDS,
AFCAT but was unable to clear the SSB every time. Then I searched for another option to be in a
government sector and found banking sector to be of my interest.

Chairman: Why only banking then?

Me: Sir there are basically two reasons for that 1st one is its fast and transparent recruitment
process, and sir from the rural background I know that how banks help us in our agriculture
activities, and if get a chance to work in this sector I would love to do.

M2: So are you willing to relocate?

Me: Yes sir, even in Kerala (everyone smiled a little bit).
They said thank you Brijesh and wished me good luck.
That was all about my interview some conversations were in Hindi as they asked me in Hindi.
From my side it was a beautiful experience Panel was cooperative.
 Interview Experience 2 – Nirbhaya Jha (IBPS PO)

My panel comprised of 5 members (4 male, 1 female).

Me: May I come in sir.

M1: Yes Nirbhay, please come in.
Me: I wished them good noon.

M1: was writing something in the note.

M2: What`s your height man?
Me: Sir 6 feet 3.

M2: Do you know the average height of an Indian?

Me: Sir, I think it's 5.10

M2: It's 5.8

M3: You must be in Mexico. The whole panel was laughing.

M1: Tell me about yourself?

Me: I answered in the evergreen self-intro pattern.

M3: Ok then, let's move to the banking.

Me: I smiled and said yes sir.

M2: Tell me the financial system in India.

Me: I told about capital market and money market.

M3: Ok. Tell the types.

Me: Explained.

M3: What is MSME and tell me about its types?

Me: Answered.

M3: Tell me two renewable and non-renewable energy resources?

Me: Answered.

M2: OK good. What is account payee crossing?

Me: Sorry sir. I am unable to get this.

M1: Yes, We know! No worries.

Ma’am: Tell me about RTGS
Me: Explained

M1: NOTA
Me: Explained
Ma’am: NEFT
Me: Explained.

M4: Do you know about NPCI?

Me: Yes sir, national payment corporation of India. M4: Tell its type.
Me: Explained all the things.

M4: Who formed the NPCI?

Me: It is formed by 10 promoter banks.

M4: It's ok good. Everyone said good and wished me all the best
Panel: Thank you.
Me: Thank you, sirs, and Thank you, ma’am.
Overall the interview was around 10Mins. Overall the panel was very friendly. They were just
asking basic banking awareness question so be clear with your basics.

Interview Experiences 3 – Harish Kumar (Bank of Baroda)

Panel: 3 Male Members and 2 Females

GD Topic: Which One Is Better, Online Shopping or Bricks and Mortar Shopping?

M1: How have you been Harish? (They were very chill and relaxed as I was the last candidate to
be interviewed.)
Me: I am fine sir.

M1: Just fine or good.

Me: Sir I am fine.

M1: So have you given any interview earlier as your 2015 pass out.
Me: Yes sir, SBI PO

M2: Ok. So, by how much marks did you lose?

Me: Sir by .15

M2: That’s too close. Did you figure out where you lack?
Me: Yes sir, my GK part is not that good and I have to suffer because of that.

M2: Oh, Ok. So, shall we put questions from this section only?
Me: As you wish, Sir. (And they giggled.)

M3: So what is your strength?

Me: Sir, Mathematics. don’t know how it came to me. Then I said my analysis capacity is good. I
do proper planning before starting my work and work according to priority.

F1: You are very good in academics.

Me: Thank you Ma’am.

F1: So, what is your background?

Me: Ma’am rural background

F2: no-no. I meant what have you done?

Me: Ma’am, I have my degree in engineering

F2: Why do you want to join bank despite having technical knowledge?
Me: I can work here for society with a handsome pay scale.

F1: How can you be beneficial for our bank?

Me: Answered, but they did not seem satisfied.

M2: How will u enhance bank business?

Me: Answered, they seem satisfied.

M2: Ok, thank you.

Me: Thank you sir, thank you ma’am.

Interview Experience 4 – Kavita (IBPS SO – Marketing Officer)

Panel: (4 men and 1 woman)

M1: So Kavita, How have you been?
Me: I am good, Sir.

M1: Ok. Introduce yourself

Me: Told everything about my native place, education, family background.

M1: Then, What is your brother doing now?

Me: He is also preparing for competitive exams.

M1: What are the duties of marketing officer?

Me: Sir, marketing officer interacts with HNIs, works for satisfying the needs of customers,
promotion of bank. He has to do marketing research and analysis.

M1: Then, how you are going to do market research?

Me: By segmenting the target market, by collecting information.
M1: That’s ok. But how you are going to collect information?
Me: With the help of primary and secondary data, local news papers and magazines. Another
option is RTI which is also a good source sir.

M1: Kavita you are missing something. Do you know the term ‘market size’? While doing
marketing research, you need to define market size. You can easily get this information from
websites and your collector office and don’t use RTI. If you are using it…it means you are
degrading the reputation of bank
Me: Got it sir (I was little bit tensed.)

M2: OK. You look tensed? You can also speak in Marathi if you want..(M1 interrupted him by
saying,” no Marathi. He is gold medalist in English. Let him speak in English only.)
Me: No sir. I am fine. (M3 took charge)

M3: So, tell me what is ERP??

Me: Sir, it is cost efficient software tool which works on the basis of use of available resources to
gain more outputs.

(M3 looked satisfied and I got big relief….now Madam took the charge)

F1: So, you were telling something about HNIs. What does it actually mean?
Me: High Net worth Individuals. People having high incomes
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