150 Bank Interview Questions with Short Hints
General / HR (1–15)
1. Tell us about yourself. → (Brief intro: education, skills, goals)
2. Why do you want to work in banking? → (Growth, stability, interest in finance)
3. What are your strengths and weaknesses? → (Honest, balanced answer)
4. Where do you see yourself in 5 years? → (Career growth in banking sector)
5. Why should we hire you? → (Skills + motivation)
6. Tell us about your family background. → (Brief, professional)
7. How do you handle pressure? → (Stay calm, focus on solution)
8. What motivates you? → (Career goals, learning, success)
9. What are your career goals? → (Long-term growth in banking)
10. Tell us about a challenge you faced and solved. → (Example + learning)
11. Tell me about your leadership experience. → (Example from study/work)
12. How do you prioritize tasks? → (Urgent vs important)
13. What motivates you to join our bank? → (Reputation, growth)
14. How do you react to criticism? → (Positively, improve)
15. Describe your communication style. → (Clear, respectful)
Banking Knowledge (16–40)
16. What is the role of a bank in the economy? → (Mobilizes savings, credit)
17. Difference between commercial bank & central bank? → (Functions, control)
18. What do you know about State Bank of Pakistan? → (Central bank role)
19. What is monetary policy? → (Control of money supply)
20. What is fiscal policy? → (Govt spending & taxation)
21. What is repo rate? → (Short-term lending rate by SBP)
22. What is reverse repo rate? → (Rate at which SBP borrows)
23. What is CRR & SLR? → (Cash reserve ratio, statutory liquidity ratio)
24. What is saving vs current account? → (Interest vs business use)
25. What is Islamic banking? → (Shariah-compliant banking)
26. What is microfinance? → (Small loans to poor)
27. What is credit risk? → (Risk of default)
28. What is KYC? → (Know Your Customer)
29. What is foreign exchange reserve? → (SBP forex holdings)
30. What is letter of credit? → (Guarantee in trade)
31. What is NBFC? → (Non-banking financial company)
32. What is bank guarantee? → (Assurance of payment)
33. What is money laundering? → (Illegal to legal money)
34. What is SWIFT code? → (International transfer code)
35. What is IBAN? → (International Bank Account Number)
36. What is AML? → (Anti-Money Laundering)
37. What is FATF? → (Financial Action Task Force)
38. What is cryptocurrency? → (Digital currency)
39. What is Pakistan Stock Exchange? → (Capital market platform)
40. What is CASA ratio? → (Current + Savings deposits ratio)
Economics & Finance (41–60)
41. What is GDP? → (Total value of goods & services)
42. What is inflation? → (Rise in prices)
43. What is deflation? → (Fall in prices)
44. What is stagflation? → (Inflation + low growth)
45. What is balance of payment? → (Imports vs exports + forex)
46. What is exchange rate? → (Value of one currency vs another)
47. Difference between direct & indirect taxes? → (Income tax vs sales tax)
48. What is capital market? → (Long-term funds market)
49. What is money market? → (Short-term funds market)
50. What is liquidity? → (Ease of converting to cash)
51. What is fiscal deficit? → (Govt spending > income)
52. What is circular debt? → (Energy unpaid bills)
53. What is FDI? → (Foreign Direct Investment)
54. What is PPP? → (Purchasing Power Parity)
55. What is quantitative easing? → (Injecting money supply)
56. What is sovereign bond? → (Govt issued bond)
57. What is recession vs depression? → (Mild vs severe downturn)
58. What is current account deficit? → (Imports > exports)
59. What is working capital? → (Current assets – liabilities)
60. What is risk management? → (Minimize financial risks)
Bank Operations & Products (61–90)
61. What is cheque? → (Written order to pay)
62. Types of cheques? → (Bearer, crossed, post-dated)
63. What is demand draft? → (Prepaid bank instrument)
64. What is pay order? → (Local bank instrument)
65. What is NEFT/RTGS/IBFT? → (Fund transfer systems)
66. What is ATM? → (Automated Teller Machine)
67. What is plastic money? → (Cards)
68. What is mobile wallet? → (Easypaisa, JazzCash)
69. What is digital banking? → (Online banking services)
70. What is fixed deposit? → (Long-term deposit)
71. What is recurring deposit? → (Installment deposit)
72. What is loan? → (Borrowed money with interest)
73. Types of loans? → (Home, car, personal, business)
74. What is overdraft? → (Withdraw more than balance)
75. What is credit card? → (Buy now, pay later)
76. What is debit card? → (Linked to bank account)
77. What is locker facility? → (Safe storage)
78. What is bancassurance? → (Insurance via bank)
79. What is bancatakaful? → (Islamic insurance via bank)
80. What is remittance? → (Overseas money transfer)
81. What is fintech? → (Financial technology services)
82. What is core banking system? → (Centralized bank system)
83. What is NIFT? → (Clearing house in Pakistan)
84. What is CASA ratio? → (Current + Savings deposits)
85. What is PSL? → (Priority Sector Lending)
86. What is asset securitization? → (Loans converted to securities)
87. What is treasury management? → (Cash & funds handling)
88. What is trade finance? → (Finance for trade)
89. What is LC? → (Letter of Credit)
90. What is bill of exchange? → (Written order of payment)
Customer Service & Situational (91–120)
91. How will you handle an angry customer? → (Listen, solve calmly)
92. How will you convince a client to open an account? → (Highlight benefits)
93. If a customer refuses, what will you do? → (Respect decision, keep relation)
94. If you are transferred to a far city, will you go? → (Yes, flexible)
95. If you make a mistake in cash handling, what will you do? → (Report, correct)
96. If your manager gives you extra work, how will you manage? → (Time management)
97. If two colleagues fight, what will you do? → (Mediate, inform manager)
98. If you find fraud in branch, what will you do? → (Report immediately)
99. Tell us about a time you worked in a team. → (Example of cooperation)
100. How do you manage deadlines? → (Prioritize, focus)
101. How do you deal with stress? → (Stay calm, time management)
102. Have you ever handled cash? → (Yes, with accuracy)
103. How do you ensure accuracy in work? → (Double-check)
104. What is more important: customer or target? → (Customer first, target follows)
105. What is most important in customer service? → (Respect, fast service)
106. What would you do if systems go offline? → (Manual fallback)
107. How will you cross-sell products? → (Match needs with products)
108. How do you handle confidential data? → (Keep private, secure)
109. What are the qualities of a good banker? → (Honest, accurate, polite)
110. What is your biggest achievement in teamwork? → (Give example)
111. How do you balance speed & accuracy? → (Accuracy first, then speed)
112. How do you react under pressure situations? → (Stay calm, act rationally)
113. What challenges do you expect in banking? → (Targets, pressure)
114. Do you prefer working alone or in team? → (Flexible, but teamwork)
115. Are you willing to relocate? → (Yes if required)
116. What are your salary expectations? → (Negotiable)
117. What motivates you? → (Learning, growth)
118. What is your dream job? → (Banking growth role)
119. What makes a successful branch? → (Teamwork + service)
120. Why should we select you over others? → (Skills, attitude)
