Central Bank of India Interview Questions, Process, and Tips

Q1. 1 Questionery in banking scenerio polivy norms snd gen banking difficulty. Security from sibercrime 2 Modern technology aspects for disgital policy aspects .
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Q2. Ttechnogy aspects in deposit acs from frauds shoulf be analyzed. Staff shoulf be honest.
Ans. 
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...read more
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Q3. Recovery policy various norms for recovery proceeding in non performing loan acs Securitization recovery procedures Compromise in npa loan acs State recovery proceeding in npa agri loan acs Lok ada...read more
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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...read more
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Q4. Operational area various types of Deposits acs opening in banks. Deposit saving bank acs and there kyc docs for opening the acs in banks. Acs opening in single name or jointly with spouse. Operation...read more
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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...read more
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Q5. Operational area work. Opening of saving acs. Opersting instruction in saving acs singly jointly instruction either or survivor. Time deposit various acs recurring deposit acs.FDR.ACS FOR SHORT PERIO...read more
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Q6. Deceased acs various disciplinary powers to settle deceased acs.acs settled upto Rs25000 without secession certificate In deceased acs using br descriptions powers for settle the acs. Interest to pbe...read more
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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?
Ans. 
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.