IBPS PO: INTERVIEW EXPERIENCE 12

Name: Archana Negi

Place: Panjab National Bank,CHANDIGARH

Panel: 2

Date and Time: 19/01/2016, 8.30 am

Background: MBA

Panel consists of 5 members ( 1 female and 4 males)

I entered  the room and greeted all the panelist with a smile.I was asked to have a seat.

M1:Tell us about your educational qualifications ,where do you stay?

ME: Explained 

M2: Why did you left your previous job?

Me: Explained in detail along with the brief description of  the organization.

M2: Who is a NRI?

ME: Expalined

M3: How will you drive a marketing campaign in a village for Atal Pension Yojana?

Me: Explianed the process in hindi .(They were expecting me to speak in hindi to check whether I can explained the policies )

M4: What is a basel 3 ,when was it introduced and implementation deadline? 

Me: Explained but lady panelist was not convinced with my explanation.

M5: What is the difference between fiscal policy and monetary policy?

Me: Explained, again the lady panelist doesn’t seem satisfied with my explanation.Though one of the panelist said you are right.

M4: What is depreciation?

Me: Explained

you can leave now.

 Thank you.

NAME: Manjinder Kaur

Date: 18 jan 2016

Venue: PNB Circle Office, Ludhiana….

Time: 1pm…. Panel 1…

So here we go….

They called us at 1 pm… document verification started at 3pm n mine were verified at 5:15 pm .I was called at 5:30 for interview.

Me:- may I come in??

M1- Yes please

Me- Thank u… Good evening mam, and Good evening sirs.

M1-good evening, please have a seat.

F1- You are very well dressed.

Me- Thank you mam.

M1- So dear you have done Btech,Why you want to come in banking,You could have done M.S from USA? 

Me- Sir am not interested in post graduation. and my interested in banking. 

M1- Anyone is from your family whi is in banking?

Me- sir no… but dad LIC mei Manager hai.

M1- Toh sidha job n then shadi?? (all laughed :/)

M1- What did you prepare ?

Me- Sir bank basics.

M1- How CRR effect banks, Means if it increase, decrease then how it will effect bank??

Me- Sir directly affects the liquidity of banks.higher CRR means less liquidity, Low crr means high liquidity.

M1- CRR is assets to the bank  right??

Me- No sir… its a liability not asset as bank have to keep it seprate and cannot use it.

M1- Since bank cannot use it then what its use, Should it be abolished, What do you think?

Me- Sir ye unused money economic crises k time help krti hai to recover, hence needed.

M1- good. What is present CRR, What Narsihaman Commitee said about CRR, what is present Capping of crr?

Me- Sir present is 4%…. Narsimham commitee ke time it was 15% and in it he said that crr should be decreased and banks should be allowed to use the needed amount… 3-15% kaha gya tha tab… abhi after 2005 min is 0% and max is 15%….

M1- very good. 

M2-  What is Basel norms ?

Me:- I told them but he wanted more.

M1- Ok leave basel norms, tell what is basel? 

Me- Basel is city in Switzerland jahan inka bank hai

M1- Name bank and its head?

Me- sir BIS- bank of international settlement… and sir head is Mr. Riksbank.

(all had ligh laughter on name)

M3- Bank and customer relation ko kya bolte hai?

Me- sir relation of debitor and creditor…. 

M4- What is CAR?

Me- Sir capital adequency ratio but cannot explain it well am not confident about my answer.

M1- Its little technical, but you have alot of knowledge, deflation btaein, deflation accha ya inflation, is time india ka kitna inflation, kitna hona chahie? 

Me- Told everything….(response— very good :D)

F1- Tell alternative banking channels? 

Me- Mam ATM, internet banking, mobile banking…. (good)

M1- (showing his iphone), see this mobile, iska operating system btaie?

Me- sir IOS..

M1- Difference between android and IOS, ye toh technical hai not related to bank?

Me- Sir Android is open source… IOS isnt….

M1- very good…. well dear that all… you may go now…

Me- Thank u sir… and while leaving….. 

M3 :said All the very best beta 

Remarks…. overall it was satisfying…. rest 1st april will tell…

And as you can see guys English is no barrier.

ALL THE VERY BEST GUYS……