IBPS PO Common Interview Experience 4: Odisha Candidate

IBPS PO Common Interview Experience 4 of a Odisha Candidates. IBPS PO Common Interview Experience. IBPS Common Interview.

Scored 140 in CWE PO/MT-II and belongs to SC category from Odisha.

After document verification was done within half an hour i was called for the common interview. I took permission to enter the room, i wished them, they asked me to sit on the chair.

IBPS PO Common Interview Experience ImageQuestions asked during IBPS PO Common Interview:

Q1. Asked me to Introduce myself.
Q2. Asked about my family.
Q3. What is Depreciation and Devaluation?
Q4. What is the difference between Loan and Advance?
Q5. What is Cash Credit and Overdraft?
Q6. Why RBI increases of decreases the CRR?
Q7. Why the banks are increasing or decreasing the base rate?
Q8. What will happen to the banks if RBI increases the SLR?
Q9. What is CRAR? High CRAR is good or low CRAR is good for a bank?
Q10. When did Sachin Tendulkar played his last test match?
Q11. What is MSF? Though MSF is 9% and Repo is 8%, then why the banks will borrow money from RBI using the MSF?
Q12. Why there is need of Basel III if already Basel II norms are there?

Then they said OK to me and ask me to leave. I thanked them and left the Interview room.

Thanks for sharing your Interview Experience, we with you all success in life.

32 thoughts on “IBPS PO Common Interview Experience 4: Odisha Candidate

  1. kindly suggest the answers for the last two questions???

    • ans 11 banks needs to prefer msf over repo rate because msf is for short terms loans may be for over  night and for acute shortage of money where as on repo rate bank can only take loan for long term, ( thats wat i think)
      ans 12 basel 3 has some buffers including in it which makes it more stringent from basel 1 and 2 these buffers are like conversational buffer, capital buffer and countercyclical buffer the main objective of these 3 buffers is to maintain more capital to the banks so that the banks can get through easily in bad times i.e crises

  2. which panel was urs?and wat is ur educational qualification?

  3. ye hua asli bank interview 

  4. Dear Admin..
    Can you post the interview exp of punjab candidate as i am from punjab…

  5. hi admin, pls answer:what will happen to banks if RBI increases SLR rate

    • hi i am raju from AP if RBI increases SLR it means that what ever the % they mention that much amount of their total NDTL they need to maintain with in the banks in the form of reserves it means that the money pumping to the market gets controlled then the inflation gets controlled. if RBI decreases the SLR then the amount decreases in reserves then the money gets distributed to market then the Economic development takes place in this manner RBI increases and decreases to maintain the inflation under control and the economic development of the country

  6. if SLR increases then bank have 2 keep more money with them in reserve…cash,gold,govt.securities of total NDTL…bank can take more loans 4m RBI..n market may jayada money aayega.. risk will decrease…

  7. if slr increses thn banks have to keep more money in form of govt securities and gold etc on which the bank can not obtain any iinterst and bank wud have less money wid itself so the bank can increase the emi’s to maintain its treassure and that wud cause less money in market

  8. please answer 9th question

    • CRAR…Capital to Risk Assest Ratio or CAR …Capital adequacy ratio is the ratio which determines the bank’s capacity to meet the time liabilities and other risks such as credit risk, operational risk etc.

      High CRAR is good for bank as it increases the risk capacity of bank which will help it to overcome the NPA’s.

      • if CRAR is high then banks have more risk indicating that they have less funds for further investments so it should not be high or low it should be 9%

    • CRAR is also known as CAR. which means capital to  risk asset ratio.

  9. what is the answer for 12th question?

  10. can anyone tell me whether No Objection Certificate is mandatory or not. As I am working in private organisation and they dont issue any NOC. But in the admit card they have mentioned that original NOC is required from present employer in case of candidates presently working.
    Please guide me on it.


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