Interview over @ Chennai

5 members.. 4 male and 1 female...

After doc verification.. interview started by 10.30..First gals.. next guys..myself 7th candidate to be..

#reg ma previous year work experience and job profile

# do you know the job profile of credit officer?

# will your MBA help to understand this profile

#will you shift to anywhere in the country

# tell me different types of financial ratios.. and what is current ratio acid test ratio and debt equity
ratio .. and it's implications

#what will you do if you are authorised to give loan based on gold..?

# what is NPA..why is it hot topic.. is India alone is affected or the whole world..and who' is
responsible for NPA..the bank or the customer?

# measures by govt and RBI related to NPA

# situational reaction.. if I lead a team and ma team mates are not working properly what will I do?

Went around 15 mins..

My gd topic is should we cap marriage expenditure

Ge priorities krna tha to decrease urban and rural decide

Interview 1 lady 4 gents

Who was famous politician from my hometown or near home town

1 Name and its meaning

2 gauri lankesh

3 name some southern states.

4 What derive u for banking

5 Jnu and patriotism(as I m from Jnu)

6 Capital account convertibility

7 Monopoly and example

8 Oligopoly example

9 Perfect competition

10 imperfect competition

11 inflation it's implications on grwoth what wud be the optimal amount of it

12 technical feasibility and economic viability

13 type of economies based on activities

My interview over..

Started with introduce yourself. Then he asked about my work experience ( i am working in bank),
about the Kind of loans i have handled. Then asked abt dscr n debt to equity ratio. What to look wen
an account comes for renewal. How to do stock inspection. Also asked abt my present salary. Why I
want to leave the present job..Few more terms they asked, which I have not heard of

They asked me about my work experience. Priority sector lending, Different types of mortgages,
crop insurance details, Ratios..

Done with interview @ ahmedabad center

Average time of interview was 5-7 minutes only

Q1 from which city nd which collage

Q2 what is permanent capital

Q3 why u want to join boi

Q4 father's profession

Q5 which newspaper u read

Q6 acid test ratio

Q7 balance sheet

Q8 treatment of net loss in balance sheet

Q9 working capital

Q10 quick assets

Done with interview few hours ago.

1. Why left standard chartered?

2. Abt banking exp how did you sourced liability acc?

3. If willing to relocate toh parents ka kya hoga? Like it was a vague ques.

4. Qualities of service industry?

5. MPBF ghuma k pucha. I wasnt sure toh maine dirctly pucha is it mpbf he said yes thn described.

Arnd 9-10 mins

Qualification: Mba marketing minor finance

Work ex: 6 mnths standard chartered bank as BDM priority sector

Hi ,

qualification-mba finance

Introduction,reason of leaving job, credit officer profile, zero coupon bond, derivatives, commodity
market,ready to relocation,cmd of Boi,view on merger,some personal questions regarding my
qualifications as my graduation,pg do not correlate with each other, leverage,balance sheet,loan for
bank is asset or liability? difference between ICICI (past experience) and Boi.

Done interview at Delhi centre

1. Balance sheet of companies about ratios during appraisal

2. Debt equity ratio

3 boi debt equity ratio

4 npa and types

5. Various companies like private and public minimum partners

6 LLP

7 Registration of LLP

8 Inflation and its effect

9 relocation

10 reason for leaving current job profile.

Around 20-25 mins interview...one case study, Basel 3 norms, crar as per Basel 3, will to relocate,
about yourself, even some confusing questions were asked but panel did answer. What does high
current ratio and low liquid ratio means, why nclt and nclat? Can companies file cases in Nclat?

If 50% ratios of start up co is favourable and other part is not..will you grant loan as credit officer

[02/10, 11:40] Didi: One more question asked.. capital account convertibility

[02/10, 11:40] Didi: What is balance of payment?

[02/10, 11:41] Didi: Base III norms

[02/10, 11:41] Didi: [9/19, 8:40 PM] someshpanday7: My experience today for the interview
There 4 members total in panel,3 male & 1 female

Questions asked:

1.tell us about yourself

2. What u know about boi?

3.some personal questions

4. Why banking industry?

5. Why u have not applied in rbi & nabard?

[9/19, 8:46 PM] someshpanday7: 6. Stock exchange & indices

7.what is current ratio?

8. What ratios will u consider to check the solvency of a firm?

9.some case study questions which I don't know exactly

[02/10, 11:41] Didi: 10. Where do you see yourself in future

11. Meaning of your name?

[02/10, 11:41] Didi: Interview done noida

CRAR

Basel norms

Current ratio

As a CA what will u check in balance sheet

Solvency ratios

Personal information

[02/10, 11:41] Didi: Questions today noida

Documents required for creating mortgage(HV experience in field)

And at times of disbursement

Financial intermediation

Is merger consolidation amalgamation good or not

How will u deal with business organisation s having complex structure of financing

What is money laundering

How can a balance sheet be fudged?

Dscr and will it be calculated for giving working cap limit.then what is mpbf

They will ask questions on basis of Ur answers.

All d best

[02/10, 11:41] Didi: Interview done noida

3m+1f

M1 introduce yourself

Why credit officer..not po as it provide more avenues

Why boi

Diff bw correlation and regression

P/e ratio..why it is calculated

Method of demand forecasting..give one example of its use while giving credit

M2 items in bal sheet of bank..assets side and liab

Do we record appreciation in land

Tell Ur strong subjects

M3 What is net intrest margin

Difference bw net profit, gross profit and operating review

Female member will look body language..she aske one question..name 3 players who recently won
badminton super series..(coz I mentioned badminton as hobby in intro)

[02/10, 11:41] Didi: Interview done Noida

1)Tell me about yourself

2)Why banking

3)why credit officer why not BANK PO both are scale 1

4)how many types of ratio

5)what is meaning of DSCR

6)What is currency of Japan & China

7)how exchange rate determine

8)who is last three finance minister

9)Impact of GSt in banking

10)What is Corporate Debt Restructuring

[02/10, 11:41] Didi: One question related to applicability of IND AS in Banking

[02/10, 11:41] Didi: Introduction

[02/10, 11:41] Didi: NABARD EXIM ECGC

[02/10, 11:41] Didi: Mortgage

[02/10, 11:41] Didi: Evaluate loan as credit officer to Individual ie Credit appraisal

[02/10, 11:41] Didi: What is NBFM

Which govt policy discourages gst

What variation on CFS will be alarming for Bank to take immediate action?

Interview Experience

Total panel numbers:6 (5 male 1 female)

Questions are listed below: Interview time around 25 mins

1) Tell me about your self

2) what is subprime crisis

3) What is electric potential (counter question on that)

4) What is oxidation and reduction and difference between them (counter question on that)

5) About bluewhale,its impact on individual

6) Hobbies

7) About prokabaddi league

8) 5 to 6 case study questions

9)Why MBA after BE

10) 3 questions on ratio

11)Tell me any 2 recent news

Around 20-25 mins interview...one case study, Basel 3 norms, crar as per Basel 3, will to relocate,
about yourself, even some confusing questions were asked but panel did answer. What does high
current ratio and low liquid ratio means, why nclt and nclat? Can companies file cases in Nclat?

Asked abt process of giving loan, financial statements, family background, GST, ratios,etc

What is the impact of GST on banking sector ?

How to tackle crisis situation??

Repo rate Market me se kaise relate kaeoge

What is worth??

Ur view on merger?

Accounting std and internationally accounting std me diffrence kya hai?

Kyc?

Family background?

How you tackle crisis situation?

What is NPA?

BOI tagline?

Levered n unlevered firm n its connection to GST

Nayak committee

My interview experience

Date: 21 Aug Mumbai

There were 6 persons 4 male 1 female.

After lunch I was the first to be interviewed.

M1: Tell me about yourself and family?

M1 : you have done MBA in 2014, so what u have done in between?

M1: what u have prepared for interview?

I told credit appraisal process

M1: explain credit Appraisal process?

M2: What is bills financing?

M2: Difference between bills receivables and debtors?

M3: What is RTI?

M3 : what is SLR?

M4: What r the reasons behind NPA?

M4: what is letter of credit?

F1: Asked situation based question...if a person owns a land and he wants to build a house on that
but he don't have any other source of income, will u sanction him home loan?

7. How will u judge the repaying ability of borrowing....

8. What is NPA .

9. Sarfesi

10. Things will u take care of will giving loans to small businesses.
11. Borrowers not repaying loans what r the reasons..

12. Banking services at your place and what changes u want.

13. How PSB should improve the use of technology in their services..

14. Various accounting ratios how it will help u to judge the credit repaying ability of borrower or
business.

15. What is bills of exchange....

16. What is crossed cheque and multiple crossed cheque.. duration of cheques validity...and who can
reduce its validity duration...

17. Think u r a young credit officer...things u will see while granting loans

Today interviews at mumbai centre went for around 25 to 30 minutes each...serious grillng by
panelist....

1. Introduction

2. What have you studied for this interview

3. Impact of GST on Indian banking system.

4. What's happening in Infosys apart from sikkas resignation.

5. What is government doing to promote MSME.

6. What is negotiable instruments.

Tell us about yourself your family background.

Why switch to banking from IT sector?

Do you read news?which paper? What you read?

Recent news you read? I told about shell companies.. Asked abt Shell companies in detail

What are non current assets? Give examples.I told them about fixed assets they told no.. They said
these two are different

Bad loans are asset or liability?

What is Fund flow statement?

What have you prepared for interview?

Ratios.. Liquidity nd solvency?

Debt service coverage ratio?

How can you know whether the balance sheet items reflect true picture or not?

What is a qualified balance sheet?

Are ratios enough to give credit?

What is effect of npa on economy?

What do you do at your current job?

What was the lowest point in your life?

[02/10, 11:41] Didi: How to check credibility of company through balance sheet??

CRAR

DSCR

Mudra loan

Diff btwn start up india and stnd up india

How many board meeting in a year as per law??

Quorum of board meeting

What is authorised capital?

How it can be increased??

Listing agrement?

Basel norms

[02/10, 11:41] Didi: What is NBFM

Which govt policy discourages gst

What variation on CFS will be alarming for Bank to take immediate action?

Interview Experience

Total panel numbers:6 (5 male 1 female)

Questions are listed below: Interview time around 25 mins

1) Tell me about your self

2) what is subprime crisis

3) What is electric potential (counter question on that)

4) What is oxidation and reduction and difference between them (counter question on that)

5) About bluewhale,its impact on individual

6) Hobbies

7) About prokabaddi league

8) 5 to 6 case study questions

9)Why MBA after BE

10) 3 questions on ratio

11)Tell me any 2 recent news

Around 20-25 mins interview...one case study, Basel 3 norms, crar as per Basel 3, will to relocate,
about yourself, even some confusing questions were asked but panel did answer. What does high
current ratio and low liquid ratio means, why nclt and nclat? Can companies file cases in Nclat?

Asked abt process of giving loan, financial statements, family background, GST, ratios,etc

What is the impact of GST on banking sector ?

How to tackle crisis situation??

Repo rate Market me se kaise relate kaeoge

What is worth??

Ur view on merger?

Accounting std and internationally accounting std me diffrence kya hai?

Kyc?

Family background?

How you tackle crisis situation?

What is NPA?

BOI tagline?

Levered n unlevered firm n its connection to GST

Nayak committee

My interview experience

Date: 21 Aug Mumbai

There were 6 persons 4 male 1 female.

After lunch I was the first to be interviewed.

M1: Tell me about yourself and family?

M1 : you have done MBA in 2014, so what u have done in between?

M1: what u have prepared for interview?

I told credit appraisal process

M1: explain credit Appraisal process?

M2: What is bills financing?

M2: Difference between bills receivables and debtors?

M3: What is RTI?

M3 : what is SLR?

M4: What r the reasons behind NPA?

M4: what is letter of credit?

F1: Asked situation based question...if a person owns a land and he wants to build a house on that
but he don't have any other source of income, will u sanction him home loan?

7. How will u judge the repaying ability of borrowing....

8. What is NPA .

9. Sarfesi

10. Things will u take care of will giving loans to small businesses.

11. Borrowers not repaying loans what r the reasons..

12. Banking services at your place and what changes u want.

13. How PSB should improve the use of technology in their services..

14. Various accounting ratios how it will help u to judge the credit repaying ability of borrower or
business.

15. What is bills of exchange....

16. What is crossed cheque and multiple crossed cheque.. duration of cheques validity...and who can
reduce its validity duration...

17. Think u r a young credit officer...things u will see while granting loans

Today interviews at mumbai centre went for around 25 to 30 minutes each...serious grillng by
panelist....

1. Introduction

2. What have you studied for this interview

3. Impact of GST on Indian banking system.

4. What's happening in Infosys apart from sikkas resignation.

5. What is government doing to promote MSME.

6. What is negotiable instruments.

Tell us about yourself your family background.

Why switch to banking from IT sector?

Do you read news?which paper? What you read?

Recent news you read? I told about shell companies.. Asked abt Shell companies in detail

What are non current assets? Give examples.I told them about fixed assets they told no.. They said
these two are different

Bad loans are asset or liability?

What is Fund flow statement?

What have you prepared for interview?

Ratios.. Liquidity nd solvency?

Debt service coverage ratio?

How can you know whether the balance sheet items reflect true picture or not?

What is a qualified balance sheet?

Are ratios enough to give credit?

What is effect of npa on economy?

What do you do at your current job?

What was the lowest point in your life?