SBI PO: Interview Experience 40January 31, 2019
SBI PO 2018
Most awaited interview for the year have started. We will be sharing these with you as and what we get from the students. Please try sharing your answers as well.’
Interview Experience 40
Hi, My name is Narendra. My interview venue was SBI LHO, Mumbai 11/09/2017. I reached the venue at 7:30.
After reaching the venue they conducted biometrics followed by document verification at 8:00 am which was followed by the start of Group Discussion.. Then a ma’m took us to the GD room.
In the GD room there were two male moderators. They congratulate us on getting so far in the selection process, after they explained the rules of GD.
The GD topic of my panel was: ‘Loan waivers Good or Bad ?’
We were given 5 minutes to write our points and after that they started the Group Discussion. We had a healthy discussion with candidates speaking randomly but everyone got atleast three chances to speak.
After that there was Prioritization Discussion under Group Exercise.
Prioritise the 10 Sports persons From 1 to 10
Sachin Tendulkar, Vishwanath Anand, Abhinav Bindra, Milkha Singh, Kapil Dev, Dhyanchand, PT Usha, Prakash Padukone, (And two more were there).
First 5 minutes were given to prioritize individually. Then everyone spoke about why they chose/prioritized the given quality as first priority and so on. We had to reach a group consensus. After that the moderators asked us to put writing pad and sheet on the table.
A sir took us to interview room. My number was 3. I was called in at my turn.
I knocked the door and asked for permission to enter the room.
There were 5 members. 1 female, who was the head and 4 males.
I wished them all good morning, starting with the female first. And they asked me to sit.
F1: So how are you today?
Me: Very good mam, thank you.
F1: So, what have you prepared?
Me: Current events, banking awareness and about my current and previous jobs. [As I worked in a pvt. sector bank earlier and currently working as a clerk, so expected banking related questions, but it was a different question]
F1: What is Newton’s third law of motion?
Me: Every action has equal and opposite reaction. ( I guess they wanted to check my response of the situation.)
F1: Okay. So you have done engineering, I will not ask you why you choose banking after engineering as everyone has almost the same answers. So tell me and what is Instrumentation and control engineering in laymen’s prospective.
Me: Answered well.
F1: You are already working in a bank as a clerk, so why do you want to be a PO?
Me: Exactly mam, I am working as a clerk and I have seen how PO works and I find that very fascinating and want to work as a PO.
Then she looked at M1 to continue…
M1 was in a rapidfire mood…
M1: When was SBI established?
M1: Nationalised in?
M1: Who is the MD?
M1: How many branches are there of SBI?
And then he stopped… and looked at M2
M2: So, what duties do you perform in Bank of India?
M2: What is KYC?
M2: What is NPA?
M2: What are standard, substandard and doubtfull assets?
Me: Explained well.
Then passes to M3.
M3: What are different alternate delivery channels?
M3: BHIM App launched by whom?
M3: NPCI full form and it is formed by?
M3: You know about DICGC?
Me: It is, actually it was Deposit Insurance and Credit Guarantee Corporation which provides the insurance of deposits upto one lakh.
M3: Why did you say it was?
Me: Because of new FRDI bill which is going to replace DICGC.
M3: Yes yes, what is that?
M3: You must be aware of new bail in clause in that bill, so what is that?
Me: Explained well, as I was well known.
Then he passed to M4
M4: So Bank of India is in profit right? ( it looked like a trick question )
Me: No sir, NPA has incresed so much in past few quarters. And right now it is under PCA.
M4: Right, what is PCA?
Me: It stands for prompt corrective action. And whenever any bank faces huge NPA the RBI puts them under PCA guidelines.
M4: So NPA is the only criteria of PCA?
Me: Yes sir. any bank crosses 6% net NPA in a quarter then RBI takes such steps.
M4: No, there are some other factors also being considered.
Me: Ohh, sorry sir I don’t know them.
M4: What is MCLR?
M4: And how to calculate?
M4: So as you have seen the working of a PO very closely. Tell me, what according to you is one single most quality of a leader?
Me: If I have to choose one quality, it would be attitude. Attitude is what’s needed the most, other qualities may be acquired.
M4: Can you give me an example?
Me: Yes sir, the king of the jungle is a lion. Lion is not the heaviest, not the tallest, not the strongest but still lion is the king because of the attitude.lions are natural leaders.And a leader should have that quality. There is a saying that an army of sheeps led by a lion will defeat the army of lions led by a sheep.
M4: Very good. So that is it. All the best.
Me: Thank yo, sir.
And then, I thanked all and left.
It went on for about 10-12 minutes and was a great experience. And now hoping for the best. Hope you find it useful.
(I felt interview was too short around 6-7 min but still I am hoping for positive result let’s see. )