Disqus id- happyminion
venue-central bank of India staff training centre Bhopal
(document verification was done and biometric matched after 3rd attempt)
my turn came around 3 pm I think. When the bell rang I opened the door to ask permission
me- may I come in sir.
he- can you come after 2 min please
me- sure sir
(again the bell rang)
Me- may I come in.
M1- yes, please
Me- good afternoon mam good afternoon sirs(making eye contact with everyone)
M1- good afternoon please have a seat
m1- apne basic banking to padhi hogi
me- yes sir
m1- to batao tangible asset kya hota hai
me- after thinking k answer du ya nhi kyuki thoda sa pta tha then said sorry sir don’t know(pahle me hi tukka nhi marna chahti thi)
m1- acha balance sheet kaise maintain krte hain.
m1- borrower’s window to pta hoga
me- sorry sir no
m1- acha npa to ata hota
me- yes sir, npa in non performing asset.jab banks loan deti hain kisi ko aur wo interest ya premium pay nhi kr pata for 90 days to usey npa maan liya jata hai.
m1- to isko kam kaise kr skte hain
me- sir loan lene se pahle property ka inspection loan lene wale ka background uski credit history ache se pta krne ke bad.
m1- to ye badh kyu rha itna ajkal banks me
me- kuchh sujha nahi to keh diya sir badi companies fraud kr jati hain aur loan repay krne ke time pe khud ko repay krne ke liye unable show krti hai(he was not satisfied)
m2- acha credit rating kya hoti hai
(maine kya2 bola yad nahi but unko thik laga ans)
M3- asset aur liability kya hoti hai?
Me- sir bank ke respect me jo loan unhone diya hai wo bank ka asset aur humara paisa jo saving current etc me hai unke pas wo unki liability and customer ke respect me…
M3- okay good(interrupted)
M2- bank aur customer ka kya relation hota hai.
Me- sir debtor creditor?
M2- han aur hota hai na
Me- sorry sir yad nhi.(ans is debtor creditor, ledger pledge etc)
f1- commodity exchange kya hota hai
me- mam ye ek common market hota hai jaha par diff type ki commodity trade hoti hai(khud ke ans pe hasi aa gai)
(an organized market where future delivery contracts for graded commodities (as grains, cotton, sugar, coffee, wool) are bought and sold)
f1- ek company ka naam batao
me- mam mcx
f1- good sir aap puchhiye ab(m3 ko bola)
m3- kya answer diya inhone mcx? okay good
acha batao nse aur bse kya hai
me- sir dono companies stock exchange companies hain jo shares ke trading me involved hain jaha bse sbse purani……
m3- (interrupted)han companies listed hoti hain na isme
me- yes sir
m3- stock ki face value kya hoti hai
me- sorry sir(blank ho gai fir se)
(a little discussion was there about stock market).
m4- okay budget to padha hoga
me- yes sir
m4- banks ke liye kya hua hai
me- sir 10k cr allocate hua hai for the recapitalization of banks and 25k cr overall for psbs including insurance companies.
m4- (with a suspicious face) diff b/w capitalization and recapitalization.
me- sir bank ke term me jab banks ko additional capital ki jarurt hoti hai to use recapitalize krte hain(galat hai but kuchh bhi bol diya aisa mat krna).
and sir capitalization is jab banks establish hote hain to initial capital….
m4- (interrupting)- han jo initial capital provide kiya jata hai.okay good
m1- 2014 me pass out hain aap 2 saal tk kya kr rhe the
me- sir 2014-15 me exam diya but written clear nhi ho paya 2015-16 me po and so clear hua but small margin se final nahi hua and abhi fir se qualify hua hai and I hope is baar final list me ajau.
m1- to private me kahi nahi hua kya
m2- sir campus placement hua tha but tab hi samjh aa gya tha k private job nahi krni psb me ana for a better opportunity.
m3- acha news paper padha? headline kya thi.
me- yes sir sir usa ne jo h1b visa cancel(maine radd bola kyuki hindi me pdha tha news paper) hua tha us pr stay lag gaya hai.
m4- han judge ne lagaya hai
me- yes sir and ab jo 60k visas radd(:P) kiye gye unko reissue kiya jayega.
m3- han ye mr trump ne decicion liya tha.
me- yes sir and kuch islamic state pe bhi ban laga tha like syria iran iraq yemen and 3 more.
m3- very good.acha h1b visa hai kya
me- sir agr usa me foreign employees ko job krna hai to is visa ke through jate hain iski validity 3yr hoti hai jo k 5 yr tk extend ki ja skti hai.and h1b visa kisi company jo employer hai uske through hi mil skti hai like infosys jisk usa me sabse jyada employees hain h1b ke through.
m1- papa kya krte hain
(they asked each other sir mam koi que? they said no)
m3- okay beta thank you
me- thankyou mam thank you sirs have a nice day.
(darwaze tak pahuchte hue fir se f1 atb beta)
maine sabko thankyou bola fir dhire se darwaza bnd kiya.
(aur bhi cross question the personal questions.)