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I applied via Company Website and was interviewed before Dec 2020. There was 1 interview round.
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...
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...
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
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
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...
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...
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...
I applied via LinkedIn and was interviewed in Dec 2023. There were 3 interview rounds.
I have a strong background in cluster analysis and have successfully led similar projects in the past.
Extensive experience in cluster analysis techniques
Proven track record of successfully leading similar projects
Strong problem-solving skills
Excellent communication and teamwork abilities
If selected, we will be growing a diverse and sustainable cluster of businesses.
Diversify the types of businesses within the cluster
Focus on sustainability practices such as renewable energy or eco-friendly products
Encourage collaboration and networking among cluster members
Invest in training and development programs for cluster members
Seek out new opportunities for growth and expansion
They had said Argument and checking my patience any body control
I applied via LinkedIn and was interviewed in May 2024. There were 2 interview rounds.
It was a good aptitude test
I applied via Newspaper Ad and was interviewed in Jun 2023. There were 3 interview rounds.
It was an aptitude test and Technical test.
Requirements for setting up an industry include proper planning, sufficient capital, skilled workforce, necessary permits, and a suitable location.
Proper planning is essential to determine the type of industry, target market, and production process.
Sufficient capital is needed for purchasing equipment, raw materials, and covering operational costs.
Skilled workforce is necessary to operate machinery, manage production, ...
Setting up an industry involves thorough planning, securing funding, obtaining necessary permits, hiring skilled workers, and implementing efficient processes.
Develop a detailed business plan outlining the industry's goals, target market, competition analysis, and financial projections.
Secure funding through investors, loans, or grants to cover startup costs and initial operating expenses.
Obtain necessary permits and l...
Punjab National Bank interview questions for popular designations
I applied via Indeed and was interviewed before Dec 2023. There was 1 interview round.
I am a dedicated and hardworking individual with a background in finance and a passion for helping others achieve their goals.
Background in finance
Dedicated and hardworking
Passionate about helping others
Goal-oriented
Banking offers stability, growth opportunities, and a chance to contribute to the economy. RBI norms ensure financial stability and regulation.
Banking provides stability in terms of job security and growth opportunities.
Opportunity to contribute to the economy by facilitating financial transactions and investments.
RBI norms ensure financial stability, regulation, and protection of customer interests.
Career growth prosp...
Get interview-ready with Top Punjab National Bank Interview Questions
Type of charge refers to the nature of the financial obligation, such as fixed or floating charge.
Type of charge can be fixed or floating.
Fixed charge is a specific charge on particular assets of a company, while floating charge is a charge on a class of assets that change from time to time.
Examples of fixed charges include mortgages and debentures, while examples of floating charges include inventory and accounts rece...
CERSAI portal is a centralized platform for registering and maintaining security interests created by lenders on movable assets.
CERSAI stands for Central Registry of Securitization Asset Reconstruction and Security Interest of India.
It helps in creating a central registry of security interests on movable assets to prevent fraud and improve transparency in lending.
Lenders are required to register their security interest...
I applied via Approached by Company and was interviewed in Dec 2023. There was 1 interview round.
Improving risk governance in a bank involves enhancing risk culture, implementing robust risk management frameworks, and fostering transparency and accountability.
Enhance risk culture by promoting risk awareness and accountability at all levels of the organization
Implement robust risk management frameworks to identify, assess, monitor, and mitigate risks effectively
Foster transparency and accountability by ensuring cle...
I was interviewed before Jan 2024.
IAn ndividual ability in a certain area to help predict whether you are likely to succeed. Such tools can help assess student strengths or evaluate a potential job candidate's strengths and weaknesses.
Such tests aren't designed to see how intelligent you are; instead, they assess specific skills or inclinations. Keep reading to learn more about how aptitude tests work, the types of tests you might encounter, and how they differ from intelligence tests.
Group discussion is a comprehensive technique to judge the suitability of an individual and his appropriateness for admission, scholarship, job, etc. GD assesses the overall personality – thoughts, feelings and behaviour - of an individual in a group. A topic is presented to the group members for discussion.
Sir mujhe banking mai 4years ka experience hai
Mai apni mehnat se kam krunga
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The duration of Punjab National Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
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