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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...
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...
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...
I applied via Walk-in
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.
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...
I applied via Company Website and was interviewed in May 2024. There were 2 interview rounds.
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 ...
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
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
How we think for profitability of the institution and how we manage the work to be done well in time.
I applied via Naukri.com and was interviewed in Aug 2024. There was 1 interview round.
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Central Bank of India interview questions for popular designations
I applied via Naukri.com
By providing excellent customer service, addressing their needs promptly, and going above and beyond to exceed their expectations.
Listen to customer feedback and address any concerns promptly
Provide personalized solutions to meet individual customer needs
Offer incentives or rewards for loyal customers
Train staff to prioritize customer satisfaction in all interactions
Get interview-ready with Top Central Bank of India Interview Questions
Documents required for loan applications include proof of income, identification, credit history, and collateral.
Proof of income such as pay stubs or tax returns
Identification documents like driver's license or passport
Credit history report from credit bureaus
Collateral documentation for secured loans
I applied via Newspaper Ad and was interviewed before Apr 2023. There were 2 interview rounds.
I applied via Approached by Company and was interviewed before Jan 2024. There was 1 interview round.
I applied via Recruitment Consulltant and was interviewed in Feb 2023. There were 2 interview rounds.
Technology and staff honesty are both crucial in analyzing deposit frauds.
Technology should be used to detect and prevent frauds, such as implementing multi-factor authentication and real-time transaction monitoring.
Regular staff training and awareness programs should be conducted to ensure honesty and ethical behavior.
Internal controls should be established to prevent conflicts of interest and ensure segregation of du...
Recovery policies for non-performing loans including securitization, compromise, state recovery proceedings, Lok Adalat procedures, and DRRBT recovery tribunal.
Recovery policies for non-performing loans are crucial for financial institutions to minimize losses.
Securitization involves pooling of non-performing loans and selling them to investors.
Compromise in NPA loan accounts involves negotiating with the borrower to s...
The question is about various types of deposits and their operational instructions for opening and maturity.
Different types of deposits include saving bank accounts, time deposits, recurring deposits, FDR deposits, and senior citizen special deposits.
KYC documents are required for opening saving bank accounts.
Accounts can be opened in single name or jointly with a spouse.
Operational instructions can be self or either o...
I applied via Walk-in and was interviewed in Oct 2023. There was 1 interview round.
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The duration of Central Bank of India interview process can vary, but typically it takes about less than 2 weeks to complete.
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