INTERVIEW TIPS FOR IBPS CLERK

NON-VERBAL:-

NON VERBAL MEANS WITHOUT USING WORDS OR VERBS YOU HAVE TO EXPRESS YOURSELF.THIS IS MAINLY FIRST TIME IMPRESSION THAT A PERSON FEEL ABOUT YOU WHEN THEY MEET YOU.IT IS ABOUT PERSONALITY,LOOKS,BEHAVIOUR THAT YOU CARRY WHEN YOU MEET SOMEONE.

WHY IT IS IMPORTANT:-

NON VERBAL IS THE ETIQUETTE THAT YOU SHOW WHEN YOU MEET A PERSON.IT IS 30-45% PART OF INTERVIEW.IF YOU IMPRESS IN FIRST LOOK YOUR CHANCES OF SELECTION IS 50-60%.

"70% CANDIDATES HAVE BEEN REJECTED IN THERE FIRST MEETING BEFORE INTERVIEW"-ACCORDING TO A RESEARCH

WHAT IT CARRIES:-

NON VERBAL CARRIES ALL EXPRESSION,EMOTIONS,ATTITUDE,WAY OF COMMUNICATION.YOU NEED TO SHOW ONLY POSITIVE EMOTIONS,ATTITUDE WHEN YOU FACES AN INTERVIEW.e.g.KEEP SMILING,KEEP SHOW GOOD MANNERS,ANSWERS PROPERLY,SIT PROPERLY.

WHAT DO I DO TO IMPROVE?

MAINLY NONVERBAL ARE INBORN OR ARE LEARNT BY THE TIME OR ENVIORMENT YOU BELONG TO.YOU CANNOT CHANGE IT INSTANTLY BUT YOU PRACTICE SOME DAY BEFORE TO CARRY POSITIVE ATTITUDE & POSITIVE VIBRATION AROUND YOU.

WHAT IS RELEVANT FOR AN INTERVIEWEE:-

1.MODE OF DRESS:-ALWAYS WEAR FORMAL DRESS.YOU CAN CHOOSE FROM LIGHT COLOR SUCH AS:-
FOR MEN:-BLUE/BLACK PANT & WHITE/GREY SHIRTS.
FOR WOMEN:-LIGHT COLORS OF SALWAR SUIT OR SARI OR PANT-SHIRTS ALSO.

2.USE OF TIME:-
TIME IS THE MOST IMPORTANT PART OF INTERVIEW.INTERVIEW NORMALLY LAST FOR 10-15 MIN.IF IT IS INTERESTING THEN IT CAN LAST 25-30 MIN.SO IN 10-15 MIN YOU HAVE TO PUT YOUR IMPRESSION IN THE MIND OF PANEL.YOU YOUR VERY EFFICIENTLY.

3.SPEAKING:-
SPEAK ALWAYS SWIFTLY & SOFTLY WITHOUT ANY HESITATION OR CONFUSION.KEEP YOUR WPM(WORDS PER MINUTE) OPTIMAL AROUND 30-45 WPM.YOUR VOICE PITCH SHOULD BE OPTIMUM SO THAT IT DOESN'T SOUND YOU ARE SHOUTING OR MURMURING.

4.CONFIDENCE:-
SHOW YOUR CONFIDENCE IN YOUR VOICE & ATTITUDE BUT REMEMBER DON'T SHOW OVERCONFIDENCE OTHERS INSTEAD OF IMPRESSION ON THERE MIND YOU CAN CREATE DEPRESSION.

5.SITTING POSTURE:-
YOU SITTING POSTURE SHOULD BE A FORMAL.

BANKING Q&A FOR IBPS CLERK COMMON INTERVIEW

IBPS CLERK COMMON INTERVIEW ARE GOING ON & THEY ARE MAINLY FOCUSING ON BASIC BANKING QUESTION AS THIS IS THERE DAY TO DAY WORK.WE ARE PROVIDING WITH SOME IMPORTANT QUESTIONS THAT WERE ASKED BY SOME OF THE INTERVIEWER IN THE EXAMINATION.

Q1. WHAT IS BANK?
ANS:-BANK IS A FINANCIAL INSTITUTION WHICH ACCEPT DEPOSIT & GIVE LOAN TO NEEDY PEOPLE & IN BETWEEN EARN THE INTEREST DIFFERENCE.

Q2. WHAT ARE DIFFERENT TYPES OF BANK THAT EXIST IN INDIA?
ANS:-
1.NATIONALIZED BANK(OWNED BY GOVT. E.G. VIJAYA BANK,UBI,CANARA BANK)
2.PRIVATE BANKS(OWNED BY PRIVATE ENTITY E.G. ICICI BANK,AXIS BANK)
3.FOREIGN BANKS(OWNED BY FOREIGN BANKS E.G.STANCHART,CITI BANK)
4.RRB(REGIONAL RURAL BANK)
5.CO-OPERATIVE BANKS
6.INDUSTRIAL BANKS ETC.

Q3.WHO IS RBI & WHAT IS ITS ROLE?
ANS:- RBI MEANS RESERVE BANK OF INDIA IT IS THE CENTRAL BANK OR BANK OF BANK IN INDIA.

ROLES:-
a.ISSUE CURRENCY NOTE
b.ACT AS BANKER BANK BOTH FOR BANKS & GOVT.
c.MAINTAIN FOREIGN EXCHANGE RESERVE & CURRENCY RATE FLUCTUATION.
d.MAINTAIN CRR,SLR,REPO,REVERSE REPO RATE VIA MONETARY POLICIES.

Q4.WHAT IS RRB?WHAT IS ITS ROLE?
ANS:-RRB:-REGIONAL RURAL BANK.IT WORK UNDER SUPERVISION OF NABARD
E.G. PRAGATI GRAMEEN BANK ETC.

STAKE:-50% BY CENTRAL GOVT.,35% BY SPONSORED BANK,15% STATE GOVT.

ROLE:-
IT PROVIDE LOAN & ADVANCES TO FARMER IN RURAL AREA FOR AGRICULTURAL DEVELOPMENT.

Q5. WHAT IS CO-OPERATIVE BANK?
ANS:-IT IS THE BANK WHICH PROVIDE LOAN TO THE SME SECTOR INDUSTRIES.

Q6. WHAT IS INDUSTRIAL BANK?
ANS:-BANK WHICH GIVES BIG LOAN TO LARGE SCALE INDUSTRIES E.G. IDBI

Q7. WHAT IS RTGS & NEFT?
ANS:-RTGS:-REAL TIME GROSS SETTELMENT(SETTELED IN REAL TIME MIN. 2LAC+)
NEFT(NATIONAL ELECTRONIC FUND TRANSFER)

Q8.WHAT DIFFERENT TYPES OF ACCOUNT?
ANS:-
a.SAVING ACCOUNT:-THE MOST COMMON FORM OF ACCOUNTS BY WHICH NORMAL TRANSACTION TAKE PLACE.IT WILL GIVE A MODERATE AMOUNT OF INTEREST WITH LIMITED CHEQUE FACILITY.

b.CURRENT ACCOUNT:-IT IS BEST FOR BUSINESS PURPOSE AS THIS ALLOW UNLIMITED TRANSACTION BUT WITH ANY INTEREST PAYMENT ON IT.

c.FIXED DEPOSIT ACCOUNT:-IT GENERALLY PROVIDE WITH HIGH INTEREST RATE WITH FIXED MATURITY PAYMENT AMOUNT & DATE.

d.RECURRING DEPOSIT:-IT IS ACCOUNT BY WHICH A FIXED AMOUNT IS PAID PERIODICALLY.IT PROVIDE WITH SAME RATE OF INTEREST AS FD.

Q9.WHAT ARE DIFFERENT TYPES OF CHEQUE?
ANS:-CHEQUE IS A NEGOTIABLE INSTRUMENT CONTAINING CONDITIONAL PAYMENT TO ONLY BEARER.
a.ACCOUNT PAYEE CHEQUE:-IT IS PAID TO THE BEARER ONLY.
b.POST DATED CHEQUE:-DATE ON CHEQUE BEYOND TODAYS DATE FOR THE BEARER.
c.STALE CHEQUE:-CHEQUE VALID FOR 6 MONTH AFTER THAT THEY ARE INVALID.
d.PAR CHEQUE:-PAYABLE ANYWHERE IN INDIA.
e.MULTICITY CHEQUE:-PAYABLE IN ANY BRANCH OF THE PARTICULAR BANK.

Q10.WHAT IS INFLATION,DEFLATION?

ANS:-INFLATION:-IT LET THE LOOSE OF VALUE OF MONEY.IT IS INDICATION OF THE GENERAL PRICE LEVEL RISE IN ALL THE ESSENTIAL SUBSTANCES.

DEFLATION:-IT WILL LET THE INCREASE IN VALUE OF MONEY.IT IS OPPOSITE OF INFLATION.