Place- Dena Bank, Ahmedabad
I reached there at 8:00 a.m. And then they called us to the Auditorium room of the bank. They offered tea and snacks.Then the formalities of biometric and document verification started. It took about half an hour to complete mine. And then they took us to interview cabin. And I was waiting outside the door.
Couple of guys were ahead of me, and they took about 8-10 min. to complete their interviews. And then the next bell rung and I was next. Little apprehensive but confident. So I entered the room and the interview started.
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There were 5 members. 1 female, who was the head and 4 males.
I wished them all good morning, starting with the female first. And they asked me to sit.
F1: So how are you today?
Me: Very good mam, thank you.
F1: So, what have you prepared?
Me: Current events, banking awareness and about my current and previous jobs. [As I worked in a pvt. sector bank earlier and currently working as a clerk, so expected banking related questions, but it was a different question]
F1: What is Newton’s third law of motion?
Me: Every action has equal and opposite reaction. ( I guess they wanted to check my responce of the situation.)
F1: Okay. So you have done engineering, I will not ask you why you choose banking after engineering as everyone has almost the same answers. So tell me and what is Instrumentation and control engineering in laymen’s prospective.
Me: Answered well.
F1: You are already working in a bank as a clerk, so why do you want to be a PO?
Me: Exactly mam, I am working as a clerk and I have seen how PO works and I find that very facinating and want to work as a PO.
Then she looked at M1 to continue…
M1 was in a rapidfire mood…
M1: When was Bank of India established?
M1: Nationalised in?
M1: Who is the MD?
Me: Dinabandhu Mohapatra.
M1: How many branches are there of BOI?
And then he stopped… and looked at M2
M2: So, what duties do you perform in Bank of India?
M2: What is KYC?
M2: What is NPA?
M2: What are standard, substandard and doubtfull assets?
Me: Explained well.
Then passes to M3.
M3: What are different alternate delivery channels?
M3: BHIM App launched by whom?
M3: NPCI full form and it is formed by?
M3: You know about DICGC?
Me: It is, actually it was Deposit Insurance and Credit Guarantee Corporation which provides the insurance of deposits upto one lakh.
M3: Why did you say it was?
Me: Because of new FRDI bill which is going to replace DICGC.
M3: Yes yes, what is that?
M3: You must be aware of new bail in clause in that bill, so what is that?
Me: Explained well, as I was well known.
Then he passed to M4
M4: So Bank of India is in profit right? ( it looked like a trick question )
Me: No sir, NPA has incresed so much in past few quarters. And right now it is under PCA.
M4: Right, what is PCA?
Me: It stands for prompt corrective action. And whenever any bank faces huge NPA the RBI puts them under PCA guidelines.
M4: So NPA is the only criteria of PCA?
Me: Yes sir. any bank crosses 6% net NPA in a quarter then RBI takes such steps.
M4: No, there are some other factors also being considered.
Me: Ohh, sorry sir I don’t know them.
M4: What is MCLR?
M4: And how to calculate?
M4: So as you have seen the working of a PO very closely. Tell me, what according to you is one single most quality of a leader?
Me: If I have to choose one quality, it would be attitude. Attitude is what’s needed the most, other qualities may be acquired.
M4: Can you give me an example?
Me: Yes sir, the king of the jungle is a lion. Lion is not the heaviest, not the tallest, not the strongest but still lion is the king because of the attitude.lions are natural leaders.And a leader should have that quality. There is a saying that an army of sheeps led by a lion will defeat the army of lions led by a sheep.
M4: Very good. So that is it. All the best.
Me: Thank yo, sir.
And then, I thanked all and left.
It went on for about 10-12 minutes and was a great experience. Bankesadda was really helpful as you can see from the questions asked. And now hoping for the best. Hope you find it useful.
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