Central Bank of India Interview Questions, Process, and Tips

Q1. Introduce yourself
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Q2. Basel III Norms, LCR calculation, NSFR Meaning, Return on Capital
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Q3. What is PCA about PCA?
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PCA stands for Principal Component Analysis, a statistical technique used to reduce the dimensionality of data while preserving important information.
• PCA is used to identify patterns in data and reduce the number of variables without losing much information.

• It works by transforming the original variables into a new set of uncorrelated variables called principal components.

• These principal components are ordered by the a...read more
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Q4. What is CRAR?What is CCB?
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CRAR stands for Capital to Risk-Weighted Assets Ratio, a measure of a bank's capital adequacy. CCB stands for Counter-Cyclical Buffer, an additional capital requirement imposed on banks during periods of excessive credit growth.
• CRAR is calculated by dividing a bank's capital by its risk-weighted assets.

• It is used to ensure that banks have enough capital to cover potential losses from their risk exposures.

• CCB is a regul...read more
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Q5. What do you mean by asset liability managemnt?
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Asset liability management is the practice of managing risks that arise due to mismatches between assets and liabilities.
• Asset liability management involves managing the risks associated with the assets and liabilities of a company or organization.

• It aims to ensure that the assets are sufficient to cover the liabilities and meet the organization's financial obligations.

• Strategies used in asset liability management incl...read more
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Q1. Do you know marathi?
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Yes, I am fluent in Marathi.
• I am fluent in speaking, reading, and writing Marathi.

• I have been speaking Marathi since childhood.

• I have completed my education in Marathi medium.

• I have worked in organizations where Marathi was the primary language of communication.
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Q2. Why you chose bank
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I chose to work in a bank because of the stability, growth opportunities, and the chance to work in a professional environment.
• Stability: Banks are known for their stability and long-term prospects.

• Growth opportunities: Banks offer various career paths and opportunities for advancement.

• Professional environment: Working in a bank provides a professional setting to develop skills and knowledge.

• Interest in finance: I have...read more
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Q1. Which type of policies in Bank
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Bank policies include lending, investment, risk management, and customer service policies.
• Lending policies determine criteria for approving loans and setting interest rates.

• Investment policies outline guidelines for investing bank funds in various assets.

• Risk management policies focus on identifying and mitigating potential risks to the bank.

• Customer service policies dictate how customers are treated and what services ...read more
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Q2. How you solve the problems at the earliest?
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I solve problems at the earliest by prioritizing tasks, seeking input from team members, and utilizing my experience and expertise.
• Prioritize tasks based on urgency and impact

• Seek input from team members to gather different perspectives and ideas

• Utilize my experience and expertise to make informed decisions and solve problems efficiently
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Q3. How you manage the best for employees?
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I manage the best for employees by prioritizing their well-being, providing opportunities for growth, and fostering a positive work environment.
• Prioritize employee well-being by offering support programs and resources

• Provide opportunities for growth through training, mentorship, and career development

• Foster a positive work environment by promoting open communication, recognition, and work-life balance
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How we think for profitability of the institution and how we manage the work to be done well in time.

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