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Punjab National Bank Interview Questions, Process, and Tips
Top Punjab National Bank Interview Questions and Answers
- Q1. 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 compens ...read moreasked in Assistant General Manager interview
- Q2. What is the role of CERSAI portal?asked in Credit Manager interview
- Q3. What are the requirements in setting an Industry.asked in Industrial Engineer interview
Punjab National Bank Interview Experiences
36 interviews found
Anonymous
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...
- 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...
- 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
- 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
- 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...
- 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...
- 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...
Interview Preparation Tips
Top Punjab National Bank Assistant General Manager Interview Questions and Answers
Assistant General Manager Interview Questions asked at other Companies
Firoj Khan
Selected
I applied via LinkedIn and was interviewed in Dec 2023. There were 3 interview rounds.
(2 Questions)
- Q1. Y we select you
- Ans.
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
- Q2. If we select you. what will we growing
- Ans.
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
(1 Question)
- Q1. Only trying for CTC bargaining
Interview Preparation Tips
Cluster Head Interview Questions asked at other Companies
Selected
I applied via LinkedIn and was interviewed in May 2024. There were 2 interview rounds.
It was a good aptitude test
(2 Questions)
- Q1. It is about myself and family
- Q2. About the theoretical knowledge and skills
I applied via Newspaper Ad and was interviewed in Jun 2023. There were 3 interview rounds.
It was an aptitude test and Technical test.
(4 Questions)
- Q1. Branch related questions.
- Q2. What are the requirements in setting an Industry.
- Ans.
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, ...
- Q3. Questions related to cement.
- Q4. How you can set up an industry.
- Ans.
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...
Industrial Engineer Interview Questions asked at other Companies
Punjab National Bank interview questions for popular designations
I applied via Indeed and was interviewed before Dec 2023. There was 1 interview round.
(2 Questions)
- Q1. Tell me about yourself
- Ans.
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
- Q2. Why banking ?? Rbi norms
- Ans.
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...
Probationary Officer Interview Questions asked at other Companies
Get interview-ready with Top Punjab National Bank Interview Questions
(2 Questions)
- Q1. Type of Charge?
- Ans.
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...
- Q2. What is the role of CERSAI portal?
- Ans.
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...
Interview Preparation Tips
Credit Manager Interview Questions asked at other Companies
Selected
I applied via Approached by Company and was interviewed in Dec 2023. There was 1 interview round.
(5 Questions)
- Q1. Recovery of stress loan.
- Q2. Marketing of Banking and bank's tie up insurance products.
- Q3. Operational banking.
- Q4. Customer service.
- Q5. Bank link insurance business.
Interview Preparation Tips
(5 Questions)
- Q1. Bank ki saaf Safai Rakhna office ki filon ko Sahi Jagah per Rakhna Bank Mein Jo Aaye Unki sahayata karna
- Q2. Bank ki saaf Safai Rakhna
- Q3. Bank ki filon ko Sahi Jagah per Rakhna
- Q4. Bank Mein Jo Aaye jinki sahayata karna
- Q5. Pure Bank ke kam ki dekhbhal Rakhna
Interview Preparation Tips
Office Peon Interview Questions asked at other Companies
SUBASH MISHRA
(1 Question)
- Q1. How the quality of risk governance in the bank can be improved
- Ans.
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...
Deputy General Manager Treasury Interview Questions asked at other Companies
Selected
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.
Interview Preparation Tips
Concurrent Auditor Interview Questions asked at other Companies
Sir mujhe banking mai 4years ka experience hai
Mai apni mehnat se kam krunga
(1 Question)
- Q1. I have computer knowledge B.A Economics passed from LNMU DARBHANGA BIHAR
(1 Question)
- Q1. Banking cash deposit, cash withdrawal, money transfer Basic knowledge
(1 Question)
- Q1. Mujhe job chahiye ku ki ye job like Mai hu
Interview Preparation Tips
- Account kyc
- Banking
KYC Analyst Interview Questions asked at other Companies
Top trending discussions
Punjab National Bank Interview FAQs
Some of the top questions asked at the Punjab National Bank interview -
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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Punjab National Bank Interviews By Designations
- Punjab National Bank Credit Manager Interview Questions
- Punjab National Bank Probationary Officer Interview Questions
- Punjab National Bank Deputy Manager Interview Questions
- Punjab National Bank Management Trainee Interview Questions
- Punjab National Bank Industrial Engineer Interview Questions
- Punjab National Bank Manager Interview Questions
- Punjab National Bank Assistant General Manager Interview Questions
- Punjab National Bank Sales Executive Interview Questions
- Show more
Interview Questions for Popular Designations
Punjab National Bank Interview Process
based on 42 interviews
Interview experience
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Punjab National Bank Reviews and Ratings
based on 1k reviews
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Senior Manager
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Manager
206
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Chief Manager
162
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Assistant Manager
124
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Assistant General Manager
73
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