Wednesday, May 24

BANKS INTERNAL PROMOTION INTERVIEW PANEL QUESTIONS & ANSWERS 2023 CLERK TO S1

All indian banks conduct internal promotion exam from clerical cadre to scale 1. There will be two tire exam written and interview. Here we will be discussing all the interview questions that will be commonly asked.Promotion is must for aspiring employee in any bank.  So let's have basic questions and answers for interview of all nationalized banks in India. 


1)Tell us about yourself?

My name is uppu harinath. I have worked as software engineer for 3 months and came to this organization. My hobby is to do website and I have two websites right now. I have completed JAIIB and 2 certification courses. I have cleared CAIIB also.

2)What is your role in your branch?

My branch is having 108 cr business (large branch) and I handled all sections. I am handling gold loans and SB counter. I also do cts scanning. Our branch is located where hydroelectricity is generated so KEB pensioners are more.

(Pension loans and Gold Loans in our branch are 40/50 crore respectively)

3)What is your branch target for the priority sector?

4)What is MSME?

5)What is your branch actual target under AGRI PORTFOLIO?

6)What is major business in your area?

7)Bank business ?

8)Branch business?

9)Tell me about 10 retail loans? (MOST IMPORTANT QUESTION)

10)Tell me about 10 Priority sector loans?

11)Application form number for Some specific loans?

Education, Housing, Car, Pension loans

12)Stamp duty for specific loan amount?

13)Agreement required for specific loans?

Education, housing, retail loans

14)Any Suit filed under SARFAESI?

15)Lok Adalat any cases filed?

16)What are the 10 ways to reduce NPA in BANKS?

 For Scale 4 and above.

NPA RECOVERY STEPS STARTS FROM ISSUING REMINDER ADVICE 1 AND REMINDER ADVICE 2. THEN WE NEED TO EXPLAIN THE CONSEQUENCES OF THE SITUATION WHEN THE ACCOUNT SLIPS TO NPA. WE SHOULD EXPLAIN THAT IF ANY COLLATERAL IS AVAILABLE THEN WE WILL BE GOING FOR AUCTION. HERE ARE THE TOP 10 RECOVERY MEASURES WHEN THE LOAN ACCOUNT SLIPS TO NPA 

  1. OTS
  2. QUALITY ADVANCES
  3. CGTMSE CLAIMS
  4. MONITORING OF ACCOUNTS
  5. RECOVERY TEAM SHOULD BE MAINTAINED IN RO
  6. ENGAGING RECOVERY AGENT
  7. RESCHEDULE OR RESTRUCTURE OF ACCOUNT WITH ENHANCEMENT
  8. SARFAESI ACTION 
  9. LEGAL PROCESS SHOULD BE MADE FAST
  10. QUICK APPROCH OF DEFAULTER AND EXPLAINING THE CONSEQUENCES.







12:54:00Admin