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Punjab National Bank Assistant General Manager Interview Questions, Process, and Tips

Updated 18 Dec 2021

Punjab National Bank Assistant General Manager Interview Experiences

1 interview found

I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.

Interview Questionnaire 

7 Questions

  • Q1. What is the difference between internal risk rating & external risk rating?
  • Ans. 

    Internal risk rating is determined by the organization itself, while external risk rating is provided by external agencies or experts.

    • Internal risk rating is based on the organization's own assessment of risks and vulnerabilities.

    • External risk rating is provided by third-party agencies or experts who evaluate the organization's risk profile.

    • Internal risk rating considers factors specific to the organization, such as it...

  • Answered by AI
  • Q2. Why sometimes there is large divergence between internal & external rating.
  • Ans. 

    Internal and external ratings may differ due to different methodologies, data sources, and subjective judgments.

    • Internal ratings are based on the bank's own assessment of creditworthiness, while external ratings are provided by independent rating agencies.

    • Internal ratings may be more conservative or optimistic than external ratings, depending on the bank's risk appetite and credit culture.

    • External ratings may be influe...

  • Answered by AI
  • Q3. The average system liquidity level is more than 8 lakh cr per day. what indication does it give?
  • Ans. 

    High average system liquidity level indicates ample availability of funds for financial transactions.

    • High liquidity level means more funds are available for financial transactions

    • It indicates a healthy financial system

    • It can lead to lower borrowing costs for banks and businesses

    • It can also indicate a low risk of default on loans

    • Examples of factors that can affect liquidity levels include government policies, economic c

  • Answered by AI
  • Q4. On dat ti day basis our forex reserve is increasing. Is a large forex Reserve is good for our country?
  • Ans. 

    Yes, a large forex reserve is good for our country.

    • A large forex reserve provides stability to the economy

    • It helps in managing the balance of payments

    • It can be used to support the currency in case of a crisis

    • It can attract foreign investment

    • Examples of countries with large forex reserves are China and Japan

  • Answered by AI
  • Q5. Some economist are suggesting india's post-covid recovery is K- shaped & not V- shaped. What does this mean?
  • Ans. 

    A K-shaped recovery refers to an economic recovery where different sectors or groups experience diverging trajectories.

    • In a K-shaped recovery, some sectors or groups of people experience rapid growth and recovery, while others continue to struggle or decline.

    • This divergence can be seen in the stock market, where certain industries like technology and e-commerce thrive while others like travel and hospitality suffer.

    • The...

  • Answered by AI
  • Q6. It is observed that most of our Indian Bank's NIM is declining over the years. what could be some alternate revenue model for banks for boosting overall income to compensate for the declining NIM?
  • Ans. 

    Banks can explore alternate revenue models such as fee-based services, digital banking, cross-selling, and partnerships.

    • Offering fee-based services like wealth management, insurance, and advisory services can generate additional income.

    • Emphasizing on digital banking services can attract more customers and increase revenue through transaction fees and service charges.

    • Cross-selling products and services to existing custo...

  • Answered by AI
  • Q7. How migration to IND AS could impact Bank's profitability.
  • Ans. 

    Migration to IND AS could impact Bank's profitability due to changes in accounting standards.

    • Migration to IND AS may lead to changes in recognition, measurement, and disclosure of financial instruments, which could impact the bank's profitability.

    • The new standards may require the bank to recognize certain assets and liabilities differently, which could affect the bank's financial statements.

    • The bank may need to make ad...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - One should have an overall understanding of the economic phenomena surrounding them in real life scenario.

Interview questions from similar companies

Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Keep your resume crisp and to the point. A recruiter looks at your resume for an average of 6 seconds, make sure to leave the best impression.
View all tips
Round 2 - Aptitude Test 

In respect of your education and why you are choosing the job in SBI. Family background and educational background.

Round 3 - Group Discussion 

In any topic which is related to the current affairs. Like Now a days UCC or Unemployment problem or self employment or Image of India etc.

Interview Preparation Tips

Interview preparation tips for other job seekers - Only hard work and skill of replying the answers in short and only to the point what has been asked. Don't try to bluff because the board is well aware of the answer that's why question has been flown to you. In case they are not aware of the answer, they will not ask .
Answer confidently and remain confident because you may gain something without loosing anything. If you are not confident about answer say sorry.
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
-

I applied via Approached by Company and was interviewed before Aug 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Regarding SHG equation
  • Q2. Why you got promoted very late from scale one to two
  • Ans. 

    I focused on gaining valuable experience and skills in my current role before seeking promotion.

    • I wanted to ensure I had a strong foundation in my current role before moving up

    • I took the time to develop my skills and knowledge to be fully prepared for the next level

    • I wanted to make sure I was ready to take on the increased responsibilities of the higher position

  • Answered by AI

I applied via Company Website and was interviewed before Oct 2020. There were 3 interview rounds.

Interview Questionnaire 

5 Questions

  • Q1. Why is that in India,black money is not tamed ?
  • Ans. 

    Black money in India is not tamed due to various reasons including corruption, tax evasion, and lack of effective measures.

    • Corruption: Widespread corruption among government officials and politicians allows black money to thrive.

    • Tax evasion: High levels of tax evasion by individuals and businesses contribute to the accumulation of black money.

    • Lack of effective measures: Inadequate enforcement and loopholes in the legal...

  • Answered by AI
  • Q2. Is privatization is answer to better customer service delivery?
  • Ans. 

    Privatization can improve customer service delivery, but it is not always the answer.

    • Privatization can introduce competition, leading to better customer service.

    • Private companies may have more resources and flexibility to invest in customer service improvements.

    • However, privatization does not guarantee better customer service as it depends on various factors like regulation and accountability.

    • Examples of successful pri...

  • Answered by AI
  • Q3. Why do you choose a PSB?
  • Q4. What is capital cost ?
  • Ans. 

    Capital cost refers to the cost of acquiring or constructing physical assets such as buildings, equipment, and machinery.

    • It is a one-time cost incurred at the beginning of a project or investment.

    • It is also known as initial cost or startup cost.

    • Examples include the cost of purchasing land, building a factory, or buying machinery.

    • It is different from operating costs, which are ongoing expenses incurred to keep the busin...

  • Answered by AI
  • Q5. Why do the govt schemes does not get desired effect
  • Ans. 

    Govt schemes often fail to achieve desired effect due to various reasons.

    • Lack of proper implementation and monitoring

    • Corruption and mismanagement of funds

    • Lack of awareness and education among the target population

    • Inadequate funding and resources

    • Political interference and bureaucratic hurdles

    • Unrealistic goals and targets

    • Lack of participation and involvement of stakeholders

    • Inefficient and outdated policies

    • Inability to ad...

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Be confident and acquainted with your domain knowledge.

I applied via campus placement at BNM Institute of Technology, Bangalore and was interviewed before Oct 2021. There were 3 interview rounds.

Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Don’t add your photo or details such as gender, age, and address in your resume. These details do not add any value.
View all tips
Round 2 - Aptitude Test 

Appritutude test was bit medium level toughness and all together it was challenging Also to complete

Round 3 - Group Discussion 

Group discussion was our second round it was easy to crack and it all needs ah bit preparation

Interview Preparation Tips

Topics to prepare for ICICI Bank Assistant General Manager interview:
  • Account and basic general knowle
Interview preparation tips for other job seekers - All you need is preparation before you attend any interview. And keep on point to crack the interview.

I was interviewed before Aug 2017.

Interview Preparation Tips

General Tips: Group Discussion round - the topic being " Is it necessary to have Group Discussion " round. I opined in favour its necessity because various opinions expressed shall form the basis of consensus. This practice pays in the long run.
Subsequently, there was personal interview round. Performance based questions were asked, which I skilfully answered.
Skills: Communication, Analytical Skills, Leadership, Presentation Skills, Decision Making Skills
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Naukri.com and was interviewed in Feb 2024. There was 1 interview round.

Round 1 - Aptitude Test 

Maths and reasoning questions

Interview Questionnaire 

3 Questions

  • Q1. General operation
  • Q2. Deposit advances marketing
  • Q3. How will company achieve target / budget alloted by top authority
Interview experience
4
Good
Difficulty level
-
Process Duration
-
Result
-
Round 1 - Resume Shortlist 
Pro Tip by AmbitionBox:
Properly align and format text in your resume. A recruiter will have to spend more time reading poorly aligned text, leading to high chances of rejection.
View all tips
Round 2 - Aptitude Test 

In respect of your education and why you are choosing the job in SBI. Family background and educational background.

Round 3 - Group Discussion 

In any topic which is related to the current affairs. Like Now a days UCC or Unemployment problem or self employment or Image of India etc.

Interview Preparation Tips

Interview preparation tips for other job seekers - Only hard work and skill of replying the answers in short and only to the point what has been asked. Don't try to bluff because the board is well aware of the answer that's why question has been flown to you. In case they are not aware of the answer, they will not ask .
Answer confidently and remain confident because you may gain something without loosing anything. If you are not confident about answer say sorry.
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
-

I applied via Approached by Company and was interviewed before Aug 2023. There was 1 interview round.

Round 1 - One-on-one 

(2 Questions)

  • Q1. Regarding SHG equation
  • Q2. Why you got promoted very late from scale one to two
  • Ans. 

    I focused on gaining valuable experience and skills in my current role before seeking promotion.

    • I wanted to ensure I had a strong foundation in my current role before moving up

    • I took the time to develop my skills and knowledge to be fully prepared for the next level

    • I wanted to make sure I was ready to take on the increased responsibilities of the higher position

  • Answered by AI

Punjab National Bank Interview FAQs

What are the top questions asked in Punjab National Bank Assistant General Manager interview?

Some of the top questions asked at the Punjab National Bank Assistant General Manager interview -

  1. It is observed that most of our Indian Bank's NIM is declining over the years. ...read more
  2. what is the difference between internal risk rating & external risk rati...read more
  3. Some economist are suggesting india's post-covid recovery is K- shaped & not V-...read more

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Punjab National Bank Assistant General Manager Salary
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₹11.7 L/yr - ₹48.1 L/yr
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Punjab National Bank Assistant General Manager Reviews and Ratings

based on 26 reviews

3.8/5

Rating in categories

3.7

Skill development

3.5

Work-Life balance

4.1

Salary & Benefits

4.2

Job Security

3.5

Company culture

3.6

Promotions/Appraisal

3.7

Work Satisfaction

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