Punjab National Bank DGM Interview Questions and Answers

Yes, I am open to relocation.

• I am willing to move to a new location for the job.

• I am flexible and adaptable to new environments.

• I understand the importance of being open to relocation for career growth.

• I have previously relocated for educational or professional purposes.

ICICI is a leading bank known for its innovative products, strong customer service, and career growth opportunities.

• ICICI is a well-established and reputable bank in India

• Known for its innovative products and services

• Strong focus on customer service and satisfaction

• Offers excellent career growth opportunities for employees

• Has a strong presence in both urban and rural areas

The working of a bank involves various activities such as accepting deposits, granting loans, providing financial services, and managing customer accounts.

• Banks accept deposits from individuals and businesses, which are then used to provide loans and investments.

• They offer a range of financial services including savings accounts, current accounts, credit cards, and loans.

• Banks manage customer accounts, process transact...read more

Banking offers diverse career opportunities and allows me to utilize my analytical and problem-solving skills gained during engineering.

• Banking provides a stable career path with opportunities for growth and advancement.

• My engineering background has equipped me with strong analytical and problem-solving skills, which are essential in the banking sector.

• I am interested in the financial industry and believe that my techn...read more

ICICI is a leading private sector bank with a strong reputation for innovation and customer service.

• ICICI has a strong reputation for innovation and customer service

• The bank has a wide range of products and services to offer

• ICICI has a strong presence in both urban and rural areas

• The bank has a good track record of profitability and growth

• ICICI offers excellent career opportunities for young professionals

Important clauses in 3CD for loan sanctioning

• Clause 4 - Purpose of loan

• Clause 5 - Amount of loan

• Clause 6 - Repayment terms

• Clause 7 - Security for loan

• Clause 8 - Interest rate

• Clause 9 - Default and consequences

Profit and loss ratios are financial metrics used to assess the profitability of a company.

• Profit ratio measures the percentage of profit earned on sales.

• Gross profit ratio is calculated by dividing gross profit by net sales.

• Net profit ratio indicates the percentage of net profit earned on sales.

• Operating profit ratio measures the profitability of core operations.

• Return on investment (ROI) is a common profitability rat

Concurrent audit is conducted during the course of business operations, while statutory audit is conducted at the end of the financial year.

• Concurrent audit is performed concurrently with the operations of the organization.

• Statutory audit is conducted to ensure compliance with legal and regulatory requirements.

• Concurrent audit helps in detecting and preventing frauds and errors in real-time.

• Statutory audit provides an ...read more

No, someone earning less than EMI should not take a loan.

• Taking a loan when earning less than the EMI can lead to financial strain and difficulty in repayment.

• It is important to have a stable income that can comfortably cover the loan repayment.

• If someone is already struggling to meet their financial obligations, taking on additional debt can worsen their situation.

• It is advisable to explore alternative options such as...read more

I am a dedicated and experienced professional with a strong background in leadership and team management.

• I have over 5 years of experience in a managerial role

• I excel in problem-solving and decision-making

• I have a proven track record of successfully leading teams to achieve goals

• I am highly organized and detail-oriented

• I am passionate about continuous learning and professional development

The job profile for Deputy Manager at HDFC Bank involves managing operations, customer service, and sales at a specific branch location.

• The Deputy Manager is responsible for ensuring smooth functioning of the branch operations.

• They oversee customer service and ensure customer satisfaction.

• They also manage sales targets and motivate the team to achieve them.

• The working location is at a specific HDFC Bank branch.

• The hiri...read more