State Bank of India Retired Bank Manager Interview Questions and Answers

Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Which type of policies in Bank
Ans. 
Bank policies include lending, investment, risk management, and customer service policies.
• Lending policies determine criteria for approving loans and setting interest rates.

• Investment policies outline guidelines for investing bank funds in various assets.

• Risk management policies focus on identifying and mitigating potential risks to the bank.

• Customer service policies dictate how customers are treated and what services ...read more
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Q2. How you solve the problems at the earliest?
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I solve problems at the earliest by prioritizing tasks, seeking input from team members, and utilizing my experience and expertise.
• Prioritize tasks based on urgency and impact

• Seek input from team members to gather different perspectives and ideas

• Utilize my experience and expertise to make informed decisions and solve problems efficiently
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Q3. How you manage the best for employees?
Ans. 
I manage the best for employees by prioritizing their well-being, providing opportunities for growth, and fostering a positive work environment.
• Prioritize employee well-being by offering support programs and resources

• Provide opportunities for growth through training, mentorship, and career development

• Foster a positive work environment by promoting open communication, recognition, and work-life balance
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How we think for profitability of the institution and how we manage the work to be done well in time.

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...read more
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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...read more
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Q1. First question was asusual-"Introduce yourself"
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Q2. Next few questions focused on our knowledge about Indian bank and opertaions of a bank
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Q3. Next was technical,which were asked from the topic-"Analysis of financial statement,especially-Accounting Ratios"
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Q4. Next set of questions were about my work experience
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Knowledge test fro banking industry

Type of customer and their behaviour

Q1. Financial knowledge
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Q1. Salary discussion
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Q1. Basic information and about yourself
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Q2. Explain about yourself and background
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