Tell Me About Yourself?

sir my name is Manisha Pal. I am a very peaceful and +ve attitude person. I like to take the things in a positive way because i think that with a +ve outlook we can easily face any problem and will be able to handle any situation. I always tried to learn some lesson from my mistakes so that i don't do that mistake again and i also like to do everything in a right time. I am always ready to take new challenges in life because in my view every person should have its own ability to take new challenges in life Sir my name is Rehana Mishra. I am simple and peaceful person. I always try to analyse all the things in the best positive way. I view challenges as a test of measuring my capabilities. I see problems as an opportunity to develop myself. I always try to better myself in all the forms my life. Sir my name is Rahul. I am a very straightforward person who likes to take things as the way it goes in a composed way. Life is all about how you think positively and I feel that a positive outlook at any aspect in life will shape our character. I also like to take new challenges in life which indeed makes the man/woman I am. I always try to better myself in all the forms of life and I believe that it is these continuous efforts to produce better results that have helped me reach here.

What is your Weakness?

You are work addictive. So your friends scold you You want every work you do to be perfect. Many guys do not like you because of that. I try to plan a project ahead of the stipulated time. But many feel that you just need to complete it on the deadline day.

I was not a well-organized guy .I used to leave my books here and there and never used to arrange them. But later I understood the mistake. Whenever I wanted a book in need I never got it, because all the books were lying here and there. So I decided to make an effort to arrange everything properly in my life. Not just books. But I try to make myself an organized guy everywhere. I am becoming more successful now with continuous efforts.

What are your Strengths?

Pick the qualities that suit you. Always be truthful in this. Technical knowledge Organized life Efficiency in work Good listening skills Confidence level Initiative in work

Creative mind open minded logical thinking ability analytical thinking quick learner genuine nature warm inventive rebellious direct generous insightful Friendly nature Computer skills Analytical skills Communication skills Problem solving skills Positive attitude

I am good at problem solving skills and i enjoy solving such problems. I love challenges and i always try to complete ant given work in time. Whenever i do any work I concentrate highly on it and no pressure used to affect me. I experienced this in my college project when I had to complete the project I did in a very less time due to the negligence from the part of my project partners. But in the end I made them understood the significance of the project and we completed it in time. That was a happy incident for me. Always try to include any experience you had in your answer. That will make then answer look well and it will definitely create a good impression with the interviewers.

What are your Hobbies?

make sure that the intention of the interviewer while asking this question is different. He wants to know how well you know your hobby he wants to know whether you are saying the truth about your hobby. So make sure that you do not lie in front of your interviewer while answering the question. Remember that truth always wins. Normal hobbies Listening to music Reading books Playing cricket Clay modelingetc.

You must think what your hobby is and write it down in your note book now. You also must be prepared for the list of follow-up questions you can expect from the interviewer. For example: if you said your hobby was reading books He may ask you these questions Who is your favourite author? Why do you like him as an author? What is special about his books? What type of books do you read?

Which is the latest book you read?

And so on. So whatever hobby you choose make sure that you know adequate facts about that hobby and try to think of questions yourself related to the hobby. So write down the hobby in our note book. Now start thinking of the possible questions your interviewer will ask in your interview. Write down at least 10 related questions and prepare individual answers for those questions.

Why do you Want to Enter Banking?

Take note of the fact that while framing your answer for this question, take these factors in to consideration. Possibility of growth Job security Prestige in society

These factors if included in your answer will make the answer look professional. Possibility of growth in banking sector is very high these days. Also all the persons join banking mainly because of the job security it gives. Add to this the element of respect you get in and around your house. Here is a model answer for you Banking is in fact one of the fastest growing sectors in the world. Plus the job in a bank ensures that you get the proper respect in society. If you join the bank he gets respected I society earns a decent income and there is always a sense of job security with you. These are the main reasons why I am joining the bank. Banking is one of the fastest growing sectors in India with more stable and high growth and more over providing wide range of career opportunities for graduates. So I want to take this opportunity to join in this bank.

Explain the Gaps in your Resume

Can you explain about the gaps in your career or in your studies? Gaps In your career or in your studies are common. But this is not one of the easy ways to the job. If you got any gap you have to work out a possible reason for the gap. Many would d say I was down that year with a terrible disease. But keep in mind that you will have to show them the proof such as medical certificates if ever you decide to go with such answers. Gaps can really be caused because you decided to take a break from your career and develop your skills with a bit of training. In fact this can go in your favor as the interviewer would spot an ambitious candidate in such a person. So it totally depend don the reason you provide the interviewer with. So if you dont have a favourable reason to say to your interviewer, try to remember any favorable incident /project you had done during those times. It might be small or

irrelevant but such things can save you from the wrath of the interviewer while addressing them. So fill up the gap with something relevant. If you can find something relevant to the banking sector it would add value to your profile as you may explain it to them like this Here is a model answer for you I always wanted to join banking. But I felt that I did not have the adequate qualification or knowledge to do well there. So I took a small gap from my high paid job and went on to work private with a small private firm in the banking sector. Of course I was not in any official position there and the payment also was not too good, But that experience helped me understand the banking sector much better in terms of practical experience. So prepare an answer that suits your gaps if ever there is any. If not you do not have to worry about this question.

Importance of Marketing in Banking?

Let us see a model answer Banks mainly deals with lending and deposit activities. In the case of lending, when the customer approaches the bank for a loan he would have done his research. He would definitely have considered other banks beforing applying for a loan in our bank. So either low interest rates or the customer satisfaction would have helped him to apply for loan with our banks. So it is natural that an MBA holder in, marketing can analyse the situation well and can respond to the needs of the customer. Similarly in the case of deposit customer satisfaction is predominant. The customer needs to feel that the bank respects the hard work he had done to earn the money which he is going to deposit with our bank. So it is all about understanding our customers and marketing the bank well. It is what a marketing graduate can well do. If you are an MBA graduate make sure you prepare an answer that comes in tunes with the above answer. You may well expect this question. Other candidates should also not disregard this question as it can be framed like do you think marketing is necessary in banking? Or like can you do marketing? Is it important in banking sector? syndicate bank po interview questions : 1)Where was the Head Quarters of Syndicate Bank located ? A) SyndicateBank Head Office Post Box No.1,MANIPAL 576 104 (Udupi Dist),Karnataka, INDIA 2)Who is the Chairman of Syndicate Bank ? A) Shri Basant Seth, Chairman & Managing Director of Syndicate Bank 3) When did the bank came into existence ? A) Syndicate Bank was established in 1925 in Udupi.karnataka 4) What was the Syndicate bank initial name? A)On 10.11.1925, the business of the Bank commenced in Udupi with the name Canara Industrial and Banking Syndicate Ltd.,a joint Stock Company with just one employee.Name of the Bank changed from Canara Industrial &Banking syndicate Ltd. to Syndicate Bank Limited. Head Office was shifted to Manipal on 19.4.1964.

5) When was nationalised Syndicate bank? A) Bank was nationalised on 19th July 1969 6) Syndicate bank line ? A) Your faithful and friendly financial partner 7) could you tell about Network of Syndicate bank? A) the total network of branches to over 2300. 8)Why do you choose po job as your career ? A)You just say, Job Security and Job in Syndicate bank is a privilege and it is a service to nation 9)What do you think of the responsibilities / duties of a PO job in the banking sector ? 10)How do you prove yourself as a successful employee ? 11)Tell us about yourself ? A)Introduce yourself , your education, your current job,etc in a short and sweet manner. 12)Tell us about your schooling background ? 13)Tell us about your academic career ? 14)What are your hobbies ? 15)What are the primary functions of a commercial bank ? A)The primary functions of a commercial bank include: a) accepting deposits; and b) granting loans and advances 16)What are the salient features of Indian Banking Sector ? 17)Can you explain the reforms that taken place in the Indian banking industry ? A) The Narasimham Committee laid the foundation for the reformation of the Indian banking sector. Constituted in 1991, the Committee submitted two reports, in 1992 and 1998, which laid significant thrust on enhancing the efficiency and viability of the banking sector. 18)What are the functions of Reserve Bank of India ? A)Mainly the functions of RBI are classified as follows: Bank of Issue Banker to Government Bankers Bank and Lender of the Last Resort Controller of Credit Custodian of Foreign Reserves Supervisory functions Promotional functions 19)Tell some of the Qualitative methods used by RBI for credit control in the country ? 20)Tell some of the Quantitative methods used by RBI for credit control in the country ? 21)What is Bank rate ? A) A Bank rate is the interest rate that is charged by a countrys central or federal bank on loans and advances to control money supply in the economy and the banking sector. This is typically done on a quarterly basis to control inflation and stabilize the countrys exchange rates. A fluctuation in bank rates triggers a ripple-effect as it impacts every sphere of a countrys economy. For instance, the

prices in stock markets tend to react to interest rate changes. A change in bank rates affects customers as it influences prime interest rates for personal loans. 22)What is Cash Reserve Ratio CRR? A)The Cash Reserve Ratio (CRR) refers to the liquid cash that banks have to maintain with the Reserve Bank of India (RBI) as a certain percentage of their demand and time liabilities. For example if the CRR is 10% then a bank with net demand and time deposits of Rs 1,00,000 will have to deposit Rs 10,000 with the RBI as liquid cash. 23)What is Statutory Liquidity Ratio SLR ? A)Statutory Liquidity Ratio refers to the amount that the commercial banks require to maintain in the form of cash, or gold or govt. approved securities before providing credit to the customers. Statutory Liquidity Ratio is determined and maintained by the Reserve Bank of India in order to control the expansion of bank credit. 24)What is Repo rate ? A)Whenever the banks have any shortage of funds they can borrow it from the central bank. Repo rate is the rate at which our banks borrow currency from the central bank. A reduction in the repo rate will help banks to get Money at a cheaper rate. When the repo rate increases borrowing from the central bank becomes more expensive.The Reverse repo rate is the rate at which the central bank borrows from the banks, while the Repo rate is the rate at which the banks borrow from the central bank. 25)Can you explain the terms National bank, Scheduled bank, Commercial bank, Cooperative bank, Private bank, Foreign bank ? 26)What Is Inflation? A)Inflation is increase in price of products & decrease in value of money. 27) Difference between Repo rate and Bank rate? A)The Main difference between Repo rate and Bank rate is that Repo rate is the discounting offered by the RBI on the monetary bill hold by the Banks 28))Important Terms? SLR Statutory liquidity ratio CRR Cash reserve ratio Repo rate It is the rate at which RBI lends money to Banks. Reverse Repo Rate It is the rate at which Banks park their funds with RBI Bank Rate It is the rate at which RBI lends money to Banks. Call money rate It is the rate of interest charged by the banks for temporary borrows among banks Ledger Tender Money Currency issued by RBI Optional Money Cheques, DDs, Bankers Cheques Plastic Money Credit card, Debit card Credit card is ready made overdraft in e-form for buying goods and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions. Core Banking Networking of Banks for providing any where any time Banking is called Core Banking. Merchant Bank provides capital to firms in the form of shares rather than money. Investment Banks tend to provide investment to firms. Corporate Banking looks after the needs of big firms, companies, business entities. Business Banking looks after needs of medium level business firms, entities, individuals. Retail banking focuses to provide services to individuals. Private banking focuses to provide services to high net worth individuals. Lead Banking focuses on providing all type of financial services. Narrow Banking focuses on a particular sector like Mortgage, Auto Finance etc.

29)What is a bank? A) A bank is a financial institution whose primary activity is to act as a payment agent for customers and to borrow and lend money. It is an institution for receiving, keeping, and lending money. The viewers are expected to share their PO interview experiences of Syndicate bank in the comment section for the mutual benefit of would be employ community.