Bank Interview sample questions

Bank interview sample questions
This questions bank is very useful for all who are preparing for banking interview.

SRNoBank Interview sample questions
1What are treasury bills?
2What is yield?
3What is HTM, HFT and AFS?
4What is mark to market?
5Benefits of nationalization of indian banks?
6Nationalized bank vs Private bank.
7Nationalized bank vs Public bank.
8Why a career in banking?
9What is CBS (Core Banking Solution)?
10What is ASBA account?
11What are alternate channels of banking?
12What was last year’s GDP in crores and in % growth?
13What are Foreign Reserves?
14What are open market operations
15What is Sensex and how it is calculated
16What is Monetary Policy
17Cheques vs D/Ds.
18NBFC vs Banks
19What is LAF?
20What is fiscal deficit?
21Repo and Reverse Repo. CRR. SLR. Bank Rate.
22Tell us something about yourself.
23Strengths and weaknesses
24What are payment banks? New Payment banks. Objectives. Significance.
25Who is the governor of RBI?
26Latest banks
27What is GDP?
28Types of Risks faced by banks.
29Parts of banks’ capital
30What is base rate?
31What is Para Banking?
32What is priority sector credit?
33Micro finance vs Micro Credit
34What is financial inclusion? and government steps for it – Jan Dhan Yojana Etc.
35What is MSF?
36What is Term Repo
37White label and brown label ATM.
38NABARD and its functions
39FII vs FDI
40What is CAD (Current Account Deficit)?
41Inflation and Deflation
42Capital Adequacy Ratio
43Where do you see yourself after five years from now?
44For unemployed people, which plans are addopted by government ?
45What steps the Recent PM Narendra Modi Government for better ment of Indian Economy.
46How to Fight Inflation and Current Indian Scenario about Inflation.
47Difference between Bill of Exchanges and Certificate of Deposit, Cheques, Demand Drafts and other Money Market Instrume
48Electronic Clearing of Cheques.
49Types of Bank accounts and Interest rates offered under each.
50What was the Headline in Today’s Newspaper?(Main Page and Financial Page Both).
51What are functions of Banks and How does banking effect the economy of the country?
52Difference between Fiscal and Monetary Policy ?
53Number of Districts in Your and Nearby States ? Governor, Chief Minsiter and Other Ministers of Your State (Like Educat
54Latest Noble Prize Winners, Padam Awards Winners, Miss India, Miss World Miss Universe Etc.
55How is Future growth of commercial banks in India and any hurdles to it ?
56Questions About current five year plan and Newly formed NITI Aayog.
57Important People of India – Chief of Planning Commission and Election Commission Etc. CM and Governors of All States.
58RBI’s Role in Economy. How can RBI control inflation?
59GAAR (General Anti – Avoidance Rule) and GST (Goods and Service Tax)
60CAR (Capital Adequacy Ratio)
61Balance Sheet and NPA ?
62BASEL Norms (Basel 1,2,3)
63Banking Regulation Act, Money Laundering, Financial Inclusion
65CTS (Cheque Truncation System )
66What is INFLATION ? It is good or Bad ?and how can it be controlled ?
67What is FDI ?Is it Good or Bad ? Limit of FDI in various Sectors in India ? How is it Different From FII ?
68What is Stock Exchange ? How many are there in India ? Number of Shares on NSE and BSE ?
69Most important: What if you’re posted in remote area far away from your hometown? Are you ok with that? Will you be com
70What is guarantee that you’ll not leave banking sector? You seem too young and confused to handle the job pressure here
71If you’re a branch manager, how will you increase the profit of the branch? How will you attract more customers? (Hint:
72If bank introduces a new home loan product, how will you sell it? (Hint: Contact builders and real estate developers of
73A customer has made FD of 10 lakhs, but within 6 months, he comes back to break his FD for to purchase a car. How will
74What are three points that make you better banker than people sitting outside?
75What is the most recent bank related advertisement you’ve seen. And what do you think about it? Was it attractive or wa
76As a customer if you’ve to open a bank account, which bank will you chose? What factors will you consider before pickin
77In which bank do you have an account already? How you feel as a customer? If you were in working in the same bank, what
78If you have being allotted target to increase business in some backward area, what will you do?
79A poor person has come, he has no documents for KYC form but he wishes to open account.
80What is Priority sector lending? (followup) Should farmers be given loan at cheaper rate when they’re already getting s
81We should abolish concept of CRR, and we should have just insurance of deposit? Do you agree?
82What are the two main problems banks are facing today? and What should be done to solve them?
83What are your views on strikes by Bank employees?
84What do you think deregulation of saving account is good step?
85What is no frill account? How does it help in Financial Inclusion? Does opening no frill account sufficient to achieve
86Which banking sector is stronger: Indian or western? And why?
87Which banks are better private or PSU? and why?
88What role does bank play in empowerment of women?
89What role has banking sector played in India’s success story?
90What do you know about bancassurance? Is it good or is it bad?
91Difference between investment banker and retail banker? Which one is more important for economy?
92Why should bank consider Debt equity structure of a company before loaning
93NPA, its classification, ways to recover? (Hint: NPA classification must be mugged up verbatim. else they’ll deliberate
94What is Negotiable instruments act? (hint: related with Cheque bouncing)
95Who is NRI? Can a NRI open an account in a bank as a normal citizen? Can PIO open an account in Indian bank as a normal
96Tell us about “Nomination” facility in banking.
97What do you understand by KYC? What document required for KYC? What documents are required to open a bank account?
98CBS, SWIFT, NEFT, RTGS. What are their full forms, features and benefits?
100How many Deputy Governor in RBI? Name them?
101Apart from currency issue and supervision of banks what other functions RBI performs
102How will you market Banking products?
103Top 5 foreign banks, top 5 private banks, and ranked on what basis.
104Basel Norms, PSU-shareholding by government.
105What is refinance?
106ECGC, packing credit, buyer’s credit, letter of credit.
107Sources of income of bank except interests.
108What do you know about Rural banking and Financial Inclusion?
109What is ombudsman? what is his powers and functions?
110What is MFI? From where does MFI get funds?
111How is rural banking different from retail banking?
112What is the difference between hacking and phishing?
113Equitable Mortgage? interest subvention? Amortization?
114Car Loan, Personal Loan, student loans, home loans, education loans (and what are th
115What is POS terminal? How bank gets benefited from POS? What amount bank charge from
116Tell me something about E-Banking? and its benefits to branch?
117What is branchless banking?
118Various types of Banks and their examples
119Difference between micro financial institutions and NBFCs.
120Difference between between Co-operative societies and SHGs
121What is money laundering? What has the government done to prevent it? What’s Bank’s
122What is CASA? How important is CASA Portfolio for the bank
123What is term deposit and demand deposit?
124What provisions did this year’s budget have for the banking sector?
125What if government asks RBI to print more currency notes and uses it for development
126Do the Agricultural crops sold by d farmers in d market comes under income tax?
127What is recession? what are the causes? how can it be fixed?
128What is the difference between Finance ministry and commerce ministry?
129What is HDI(Human Development Index)? How is it calculated? What is India’s rank?
130Poverty figure census, schemes.
131MNREGA and other schemes where bank is involved.
132What are Small Scale Industries? How we recognize if a particular industry is a Smal
133Difference between organized and unorganized sector?
134Functions of planning commission? Targets of current five year plan? Who is Montek S
135BRICS, ASEAN G20 summits and decisions recently
136Why dollar is appreciating?  What are merits and demerits of rupee depreciation?
137Why there is so much furor over FDI in retail? Are you in favour of FDI?
138What is parallel economy? What is black market?
139What are various services provided by a commercial bank ?