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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
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed before May 2022. There were 2 interview rounds.

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 Resume tips
Round 2 - Viva 

(5 Questions)

  • Q1. What are different rates in bank like Repo rate, reverse Repo, CRR
  • Ans. 

    Repo rate, reverse repo rate, and CRR are different rates used by banks to manage liquidity and control inflation.

    • Repo rate is the rate at which the central bank lends money to commercial banks, and is used to control inflation by increasing or decreasing the cost of borrowing.

    • Reverse repo rate is the rate at which the central bank borrows money from commercial banks, and is used to manage liquidity in the banking syst...

  • Answered by AI
  • Q2. What is money laundering?
  • Ans. 

    Money laundering is the process of making illegally obtained money appear to be legitimate.

    • It involves disguising the source of the money through a series of transactions.

    • The purpose is to make the money usable without raising suspicion.

    • Examples include buying and selling assets, creating shell companies, and using cash-based businesses.

    • It is often associated with organized crime and terrorism financing.

    • Money launderin

  • Answered by AI
  • Q3. What do you understand by RBI
  • Ans. 

    RBI stands for Reserve Bank of India, the central banking institution of India.

    • RBI is responsible for regulating the monetary policy of India.

    • It issues currency and manages the foreign exchange reserves of the country.

    • It supervises and regulates the banking sector in India.

    • RBI also acts as a banker to the government and provides credit to various sectors of the economy.

    • It was established in 1935 and has its headquarter...

  • Answered by AI
  • Q4. Who is current RBI governor?
  • Ans. 

    The current RBI governor is Shaktikanta Das.

    • Shaktikanta Das was appointed as the 25th Governor of the Reserve Bank of India in December 2018.

    • Prior to his appointment as Governor, he served as a member of the 15th Finance Commission of India and as the Economic Affairs Secretary to the Government of India.

    • He has also worked in various capacities at the Ministry of Finance and the Planning Commission of India.

    • Under his l...

  • Answered by AI
  • Q5. What is full form of UPI?
  • Ans. 

    The full form of UPI is Unified Payments Interface.

    • UPI is a real-time payment system developed by NPCI.

    • It allows users to transfer money between bank accounts instantly.

    • UPI is based on the Immediate Payment Service (IMPS) infrastructure.

    • It can be used for various transactions such as bill payments, online shopping, and more.

    • Some popular UPI apps include Google Pay, PhonePe, and Paytm.

  • Answered by AI

Interview Preparation Tips

Interview preparation tips for other job seekers - Written exam is not tough at all for those who study with a little focus. No need to study very hard.
Interview experience
4
Good
Difficulty level
Easy
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Oct 2022. There were 2 interview rounds.

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 Resume tips
Round 2 - One-on-one 

(2 Questions)

  • Q1. What is the difference between credit card and debit card?
  • Ans. 

    Credit cards allow users to borrow money from the card issuer, while debit cards deduct funds directly from the user's bank account.

    • Credit cards allow users to borrow money up to a certain limit set by the issuer, while debit cards only allow spending up to the available balance in the linked bank account.

    • Credit cards charge interest on the borrowed amount if not paid in full by the due date, while debit cards do not i...

  • Answered by AI
  • Q2. Why do you want to work in Finance?
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed before Jan 2024.

Round 1 - Aptitude Test 

Ibps exam conducted online Evey year

Round 2 - Aptitude Test 

Ibps mains exam conducted every year for those who clear prelims

Round 3 - One-on-one 

(1 Question)

  • Q1. Personal details and industry related and education related knowledge
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Job Portal and was interviewed in Dec 2022. There were 2 interview rounds.

Round 1 - Aptitude Test 

Through IBPS Examination Conducted by Bank

Round 2 - One-on-one 

(2 Questions)

  • Q1. Tell me about yourself, Background, Education based and News
  • Q2. Strong points and weakness

Interview Preparation Tips

Interview preparation tips for other job seekers - Be Confident in what you are speaking during interview
Interview experience
5
Excellent
Difficulty level
Moderate
Process Duration
2-4 weeks
Result
Selected Selected

I applied via Newspaper Ad and was interviewed before Jan 2024. There were 2 interview rounds.

Round 1 - Aptitude Test 

Quantitative and Reasoning

Round 2 - Group Discussion 

Group Discussion with the fellow applicants.

Interview Preparation Tips

Interview preparation tips for other job seekers - Be updated with General Knowledge, aware about the RBI updated and put on a smile
Interview experience
5
Excellent
Difficulty level
Hard
Process Duration
Less than 2 weeks
Result
Selected Selected

I was interviewed before Oct 2022.

Round 1 - Aptitude Test 

One have to qualify pre of IBPS po exam

Round 2 - Aptitude Test 

2nd round is mains of IBPS po exam

Round 3 - One-on-one 

(1 Question)

  • Q1. About graduation subject, and why banking
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
Interview experience
3
Average
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Adda247 and was interviewed in Nov 2023. There was 1 interview round.

Round 1 - One-on-one 

(1 Question)

  • Q1. It was regarding my previous roles and responsibilities
Interview experience
4
Good
Difficulty level
Moderate
Process Duration
Less than 2 weeks
Result
Selected Selected

I applied via Campus Placement and was interviewed before Jun 2023. There were 2 interview rounds.

Round 1 - Group Discussion 

Cold called the candidate and asked us to continue the discussion.
Our topic was Is MBA necessary for Business.

Round 2 - One-on-one 

(2 Questions)

  • Q1. What is bank Rate. Repo rate and various other rates. Current inflation. RBI governor. what is KYC etc
  • Q2. Gave me a small case on how would I approach HNI clients and what would be my strategy to manage them.
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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 Interview Process

based on 1 interview

Interview experience

5
  
Excellent
View more
Punjab National Bank Assistant General Manager Salary
based on 73 salaries
₹11.8 L/yr - ₹50.2 L/yr
16% more than the average Assistant General Manager Salary in India
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Punjab National Bank Assistant General Manager Reviews and Ratings

based on 26 reviews

3.9/5

Rating in categories

3.8

Skill development

3.7

Work-life balance

4.3

Salary

4.2

Job security

3.7

Company culture

3.8

Promotions

3.9

Work satisfaction

Explore 26 Reviews and Ratings
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