DAY TO DAY BANKING OPERATION RELATED QUESTION

How will you determine eligibility of loan?

Sir, I will follow the guidelines of the bank. But at first I will check whether he has the capacity
to repay the loan or not. In order to determine that I have to do something like I have a look on
his source of income and will do an estimate calculation on his savings. There after I will enquire
about his existing loans if any, purpose of this loan, what securities his is giving against it and
will also check his loan repayment ability from Credit rating agencies and some more research
before sanctioning.

What is the need of different banks?

Why general public is afraid to get into a bank?

Lack of Education, compelled to keep minimum deposit, cash is king, branch too far from home
etc

Link failure in Bank/drunkard customer entered into bank. How to Handle?

There must be some standard operating procedure to handle such situation. I will take that into
consider and will consult my colleagues/seniors about what to do.

Relationship between banker and customer?

Contractual Relation
Debtor Creditor Relationship
Agency Relation
Trustee
Executor
Creditor

You are a manager. What will you do at first to improve customer service?
Sir, its really difficult to say right now because it depends upon branch to branch. What I say
may sound foolish. Like I will at first implement a que management system, a dedicated counter
for senior citizens. Will arrange drinking water dispenser at a conspicuous places etc.