Bank viva Question and Answer

why do u want to work in a bank?

because it's my dream since my education
why you choose the career in retail banking
industry is boom and there is high increment and promotion that's y i choose the retail banking
Are banks can fix PLR voluntarily
As per my knowledge the PLR is change by RBI

what is work of a clerk

clerks have to work as assigned by the Branch manager.basically they have to collect money
from customers,payments,computer filling,passbook entry and updating.
whar are your achievements?
If a question says what are your achievement, simply answer the question with what you had
achieve with your experience working with bank, of if you are still fresher, may you just finish your
service talk about what you achieve during your IT and your Youth Service, do not talk to high to low
so as not to implicate yourself.

What are your negative traits or weakness?

sometimes i over worked. i will not leave my task undone..
what appeals to you most about banking & joining bank?
because i envy the challenges in a bank

what is repo rate?

repo rate is a rate of interest at which RBI lends money 2 various banks.present repo rate is 5
%

What is meant by DSS?

Decision support system

what is ROI
ROI is the return on investment.
whatever we invest in the business we want a certain profit or return that we get after the
sales.
business is not only about producing goods and services but is basically gaining profit.
the amount originally invested in the business is our investment and whatever is the revenue
generated after the sales is the return.

How bank will earn profit?

by giving loan on interest

if you get another opportunity would you go

if i get another opportunity then i will firstly look at the kind of job i will be undertaking, the
salary part and the organisation and it's work culture to which i will be exposed to. If it suits
my attitude and my requirements better than this organisation then i will definitely go for
that.

difference between bank and financial institution?

A financial institution is any organization in the business of moving, investing or lending
money, dealing in financial instruments or providing financial services. Includes commercial
banks, thrifts, federal and state savings banks, savings and loan associations and credit
unions. Refers to any bank, credit unions or other entity that distribute cash.
A bank is an organization, usually a corporation, chartered by a state or federal government,
which does most or all of the following: receives demand deposits and time deposits, honors
instruments drawn on them, and pays interest on them; discounts notes, makes loans, and
invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues
drafts and cashier's checks.
A financial institution may be a bank or an investment company.

Why do you choose banking in your career?

Because i am more interested in banking sector it will give more satisfaction at the time of
doing work and i can confidently do my work and i can learn the financial matter which help
me in my future.

What is a demat account ? which one is best?

Demat stands for dematerialised account.This account keep money in the form of shares or
stocks.This account is basically used in trading purposes in share market.

What is the difference between public and private bank?

Public bank are those where the government hold more than 50 % of shares in bank whereas
in private bank it is less than 50%.

More question:
Tell me something about yourself/Describe yourself.
Tell me something about yourself apart from the details given in the bio-data.
Where are you from?
What can you tell us about your home town?
What is your familybackground?
What do your siblings do?
Tell me about your relatives.
Where do you live?
Tell us about an English novel you have read recently
Where do you see yourself after 20 years?
What does your name means?
Todays headlines
What are your hobbies?
What are your strengths and weaknesses?
Why gap in education (if there is gap)?
What have you been doing since now after education?
How many bank exams (or) interviews have you attended so far?
Are you willing to work anywhere in Bangladesh?
will u leave this job if u get better one ?
Why do you want to join in banking sector?
Why should we select you?
What do you know about our bank?
Authors of some common English novels
Do you read any English magazines? Can you name some of them?
News in today's paper
Why would u like to join this bank?
Current matters and affairs in World and Bangladesh
Brunches, ATMs, Profit, Total Assets of that Bank
Chairman & MD of the bank
How would you take it if you were not selected for this position?
How can you say that banking sector is fast growing?
Did you take preparation for the interview?
Have you gone through our website?
What is missing in the design of our website compared to the website of other banks?
Have you applied for any other banks?
What is banking? How is it different from saving bank of post office?
Similarity between USA/India and Bangladesh in-terms of economy
What is the difference between million and a billion?
Do you have any account in any bank? Which type of account and what is the interest
rate payable on it?
What is the difference between savings account and current account?
What is a debit card and what all can be done with it?
If in a rural branch in which you are posted, someone asks you for loan or money on

gunpoint what will you do?

What is a bank?
What are various activities and functions in a bank?
Tell me about the current political scenario of Bangladesh?
What is GDP? What is the current growth rate of GDP of Bangladesh?
Difference between GDP and GNP
What is inflation? What its rate right now?
What is banking?
What is budget? Who presents it? Where? When?
What is fiscal deficiency?
What is vat?
What is financial inclusion?
Describe your work experience (if there is ...)?
Why have you left your previous job?
Why are you switching your career?
What are the good qualities required for a probationary officer? What are the commercial and
economic functions of the bank?
What are the types of banks?
What is the repo?
What is the difference between inflation and deflation in Bangladesh?
How to measure fiscal deficit in Bangladesh?
Who is the governor of Bangladesh bank?
What is the bank rate?
What are the differences between direct and indirect tax?
What is the concept of sustainable development?
What is a bank & who operates it?
A situation was given & was asked how would you react to it
What is nationalization act?
3-4 questions were asked from major subjects.
If you get the job will you be ready to work anywhere in
Bangladesh?
Do you think your parents will allow you to work anywhere across Bangladesh?
What is your ambition in life?
Why are you applying for the post of PO?
Dont you think you are over qualified for this simple job?
Do you have any bank account?
Where and why?
What type of bank account do you have?
What are the types of bank accounts?
What all details you need to fill up while withdrawing cash from the bank?
What do you mean by international trade?
What is balance of payment?
What are the main differences
you see in a private bank and
public bank?

Have you heard about basel

2?
What is the importance of
basel 2 in the present banking
environment?
Bangladesh and its functions
Various banking terms
popular personalities, books,
authors, sportsmen etc
The works and functions of a
PO in a bank
Various Definition of bank &
its function
BANKING TERMS WHICH MAY BE
ASKED IN BANK INTERVIEW
QUESTIONS:
> Repo Rate
> Reverse Repo Rate
> Bank Rate
> Current rates
> Cash Reserve Ratio
> All Ratios
> Nationalization
> Scheduled Bank
> Nationalized Bank
> Why Banks Are Nationalized
> Poverty Line
> Asset
> Privatization
> Bank
> Banking
> Deposits
> Fixed Time Deposits
> Demand Deposits
> Inflation
> Limited Liability
> DD
> Debit Card
> Mutual Funds
> Consumer Credit Card