2023 Transcripts-3
Interview Transcript
B TECH
WORKING IN SBI AS AM
Chairman Sir:
Good morning, kaise ho
Me:Good morning Sir, mam. I am good Sir.
Chairman Sir: B Tech in engineering physics,
M1: Physics mai to research kar sakte the, phd kar sakte the, bank mai kaha fas
gaye
Then both chairman and M1 laugh
Chairman Sir: Physics se to mai bohot kuch puch sakta hu, par chalo nahi puchta,
nahi to tum jawab nahi de paayoge, waise tumhe yaad hai physics ka kuch?
Me: Yes sir, kuch chije yaad hai, kuch nahi
Chairman sir: mai to nahi puch raha kuch, he pass on to M2
M2: what you see in credit appraisal?
Me: Sir, I do not have much experience in credit right now.
Chairman sir: Aise kaise chalega physics nahi pucha, ab bank mai bhi no bol rahe
ho, curiosity kam lag rahi hai
Me: no sir, aisa nahi hai, I have joined SBI as assistant and worked in customer
dealing and never got opportunity to work in credit appraisal
M2: ok ye batao jo bhi proposal tum karte ho uske kya dekhta hi
M1: Credit appraisal ke methods batao
Me: I don't remember sir
M1: Training mai sikha nahi
2023 Transcripts-3 1
Me: sir yaad nahi
Female member :
Most of the questions asked by mam only.
What are the loans you give in your branch
How you ensure end use of funds in proposal
What you do to increase the SME portfolio in your branch
What are the recommendations of UK sinha committee related to MSME
Shifted to M3: Suppose you are in rbi and you have to inspect the bank, what all
the parameters you look
Me: Governance
Internal audit
Risk mgt
Compliance
M3: Ye tools hai, parameters batao
Me: sir I will look the ratios for eg CAR, basel norms
M3: do you have cooperative bank in your area of posting
Does basel norms applicable to cooperative bank
Me: yes sir
Not sure about the basel norms
M3: What is CAR
Me: I answered
M3: from where you set aside the capital
Me: from reserves and if they are not adequate, from profit
Chairman sir: ok thank you, you can go now
My whole interview is based on my profile
I am working as a Branch Manager in the Rural Branch of SBI.
2023 Transcripts-3 2
So they expected from me more in terms of nitty gritty of credit which I think I am
not able to answer.
Overall it is ok.
All the best to everyone jinka bhi interview pending hai and I hope we met in the
😁
training .
Good bye👍
Interview date: 21/11/2023: New Delhi.
6th to go
Background: B.Com (honors) in 2018 from SRCC, DU, 4 attempts of UPSC CSE
Currently pursuing M.Com from DSE, DU
Greeted everyone.
M2:
Q: After completing B.com(h) in 2018, you have not been doing anything.
Ans: Sir, currently I am pursuing from M.com from DSE.
Q: Why didn’t you pursue just after B.com?
Ans: After 2018, I gave 4 attempts of UPSC CSE.
Chairman sir:
Q: What was your optional?
Ans: Commerce and Accountancy
M2:
Q: Why didn’t you pursue M.com simultaneously?
Ans: I thought to pursue it in 2020 but due to Covid had to shift to hometown.
Chairman sir:
Q: You contracted diabetes early. What are the reasons?
Ans: I have been a type 1 diabetic since 2015. It’s an auto-immune disorder in
which immunity is destroying its own pancreas cells.
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Q: So you take insulin?
Ans: Yes sir.
Q: Since you have been studying accountancy and commerce, what areas are you
comfortable in?
Ans: Cash flow analysis and Accounting Ratios
Q: I’ll ask you more basic. What are the journal entries for trade discount and cash
discount?
Ans: I couldn’t answer properly. Took some time to answer the cash discount
entry. Got confused about the trade discount. I myself said that I am missing
something.
(just after getting out of the interview room, I remembered that there is no entry
done for trade discount) Facepalm!
M3:
Q: And where does Loss appears?
Ans: In the balance sheet, it can either be shown in Assets side or can be
subtracted from Reserves in liabilities side.
Q: What are the different types of leases? And how do you account for them?
M2 himself answered like operating lease, financial lease. Everyone laughed.
Ans: I answered a few things regarding it but later found that I was wrong.
M4:
Q: What is the trade composition of the country?
Ans: I started answering with India having a surplus in the services sector while
deficit in goods.
Q: (interrupted) What is the absolute level of the exports and imports in US
Dollars?
Ans: Although I read it, but couldn’t recall the exact figure at that time.
Q: What is the absolute level of GDP?
Ans: Answered in terms of both nominal and real GDP in Rupee terms.
Q: What are the targets?
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Ans: CEA recently gave a target of $7 trillion GDP in 7 years.
Chairman sir:
Q. Where are we currently?
Ans: Around $3.5 trillion
Q: So we have to nearly double it in 7 years. What kind of growth rates will be
needed?
Ans: Answered a few things.
Q: So are we near to achieving?
Ans: Currently not. But the government is taking some measures to achieve it.
M1(Madam):
Q: What is the currency management function of RBI? What comes to your mind?
Ans: Answered.
Q: What are the other important functions of RBI?
Ans: Was answering but ma’am interrupted.
Q: Can you tell something about MPC?
Ans: Answered.
Q: What is the mandate of MPC?
Ans: Answered.
Q: Important announcements of last MPC meeting?
Ans: Answered.
M3:
Q: You were talking about the doubling of GDP. What are the measures that the
government is taking to improve GDP?
Ans: The current government is focusing on infrastructure. Was telling about
capex but sir interrupted.
Q: Tell the specific schemes.
Ans: PM Gati Shakti for the infrastructure sector. CGTMSE for boosting credit etc.
Here, I also mentioned PM Garib Kalyan Anna Yojana.
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Chairman sir:
Q: PM Garib Kalyan is towards increasing GDP?
Ans: I answered that there is rural distress so it is for that.
Q: Tell the specific schemes
Ans: Answered a few more schemes.
Q: Have you heard about the models of economic growth?
I didn’t know.
M3:
Q: Leave it. Name 2 ratios that we look for the bank but don’t look for a
manufacturing company and vice versa. And ratios that we look for the
performance of the government but not the private sector.
Ans: CRAR for the banks. While Debt Equity ratio for the manufacturing company.
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