Monday, August 27, 2012

leaderShip


http://3.bp.blogspot.com/-Bf8HiD5igFs/TgKv8SJ0caI/AAAAAAAAAko/TrcC9fUTxKU/s1600/inspiration_quotes_graphics_b7.gifFive skills that build leadership depth
1.    Emotional Intelligence: The leaders should develop Intra-personal and Inter-personal intelligence. It helps you be more successful in your interactions with stake holders.
2.    Challenge others: Declare objectives and offer opportunities for people to stretch their thinking and adapt the right behavior to achieve those objectives. Set the expectation that everyone, including you, should improve their skills.
3.    Coaching: While you challenge people, remember that the members may not have the right skills. Conduct short coaching sessions to build the skills. Make sure that the members are clear about the goal during these coaching session for enhanced effectiveness. Give and receive feedback in the subsequent coaching sessions.
4.    Walk the talk: There has to be a congruence between feeling, thinking, saying and doing. This helps the members observe consistency in the leaders’ behavior and the leader is considered as reliable.
5.    Be transparent: A leader has to make sure that he/she shares the similar information with all his/her team members. Team members should be aware of the information specially which is relevant to them.

Sunday, August 26, 2012

Useful KSHs

a=-300
b=400
c=`expr $a \* $b`
if ( $c >= 0 )
then
echo "Postim\n"
else
echo "negative\n"
fi

---------------------
# this will move and archive the file

echo "starting    `date %y%m%d    `"

from="/local/app/bdsapp/src/TD/some.txt"

to="/local/app/bdsapp/src/TD/FTPed"

mv $from $to`date +%d-%b-%Y`

x=$?

echo "status is $x"

exit 0

-*------------------

#!/bin/sh

a=0
while [ "$a" -lt 10 ]    # this is loop1
do
   echo "A is now "$a
   a=`expr $a + 1`
done

###### Try Zone
#yyyy=2009
#mm=01
#dd=01;

#for mm in

#echo File is $mm;


#done
.----------------------


Friday, August 24, 2012

ways of THANK YOU

Page 1 of 1 2/18/08
67 ways to say “thank you”

Great job!     Nice work!     Way to go!     I applaud you.
I couldn’t have done it without you.     You’re the best!
WOW!     You’re fantastic!     You rock!
You’re on top of things!     I’m truly grateful!     Super job!
You’re a winner!     You’re a joy to work with.     I’m impressed!
Sensational!     No one holds a candle to you.
Bravo!     Great work!     You are spectacular!     Hip! Hip! Hooray!
You are incredible!     Well done!     YOU ARE TERRIFIC!
Excellent!     A+ Job!     Hurray for you!     You are a team player!
You make me look good!     High five!     I’m proud of you!
You are fun to work with!     That’s a great idea!
You’re doing a super job!     Kudos!
lÉâËÜx t zÜxtà xåtÅÑÄx yÉÜ Éà{xÜá4     You’re super!
The time you put in really shows!
You are unstoppable!     I appreciate your work.
I appreciate you.     Superb!     Phenomenal!
I enjoy working with you!     You’re on target.
Your contribution is important.     Outstanding!
Congratulations!     Remarkable job!
You are so creative.     Right on!     A-OK!     You’re a treasure!
Awesome!     You made my day!     Dynamite!
You are truly appreciated.     Good job!     You’re a real trooper!
Fantastic!     You make my job so much easier.
Exceptional performance!     Amazing!     What a great imagination!
BINGO!     Good thinking!     You are an important member of the
team.
Smile, smile, smile!
Remember, a smile is worth a thousand words!
www.performanceSolutions.nc.gov/motivationInitiatives/RewardsandRecognition/ACultureofReco
gnition/67WaystoSayThankYou.pdf

Thursday, August 23, 2012

DOS script

Color changer

@echo off

color a

msg * alt+enter=fullscreen

echo This Is The Magnadox

pause

:a

color a3

color b3

color c2

color e5

color b4

goto :a

---**************-----------

mail

start  IExplore https://mail.bluewareFirm.net/owa/?ae=Item&New&t=IPM.Note

---

NOTEPAD SOME.TXT

---

GTI

@echo off

' start IEXPLORE.EXE %userprofile%\Favorites\4 GTI With Non Depth.url

' "start /d" IEXPLORE.EXE %userprofile%\Favorites\4 GTI With Non Depth.url

start  IExplore https://mail.bluewareFirm.net/owa/?ae=Item&New&t=IPM.Note

abc ...{tab} click

--------

Folder creation

@echo off

mkdir "Files"

mkdir "Noncash"

--------

Desktop

Option Explicit

Dim WSHShell, strDesktop

Set WSHShell = WScript.CreateObject("WScript.Shell")

strDesktop = WSHShell.SpecialFolders("Desktop")

WSHShell.AppActivate strDesktop

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WSHShell.SendKeys "{F5}"

WScript.Quit

*-----------------------*

set classpath

@echo off

echo You Are going to creata Java Class

set CLASSPATH=%CLASSPATH%;C:\Documents and Settings\vivinn\Desktop\Mix Stuff\server chat\SLA Java files

echo Your java CLASSPATHPath succsussfully set.

echo Successfully Compiled

java GCH_Home_Loan_Data_Cust_Advice_DAO

pause

********----------------------------***

Start An URL

@echo off

start IEXPLORE.EXE %userprofile%\Favorites\4 GTI With Non Depth.url

rem start ctrl T  IEXPLORE.EXE about:blank

rem abc

VB Script Amazing.

Alt TAB

'VBScript Example
' Helps to Keep  ur PC alive.. it keeps swithing windows within 10 seconds..
' 10000 mseconds = 10 seconds..
' For stopping this VBS , open task manager , go to process, search for "wscript.exe"  and kill(end process) it



Set WshShell = WScript.CreateObject("WScript.Shell")
do
' NOTE: dont reduce these seconds to less then 4000 , otherwise ur PC will go hang...
WScript.Sleep 4000
wshshell.Sendkeys("%+{TAB}")
' NOTE: dont reduce these seconds to less then 4000 , otherwise ur PC will go hang...
REM WScript.Sleep 10000
wshshell.Sendkeys("%+{TAB}")
loop




------------
OUtlook


Set WshShell = WScript.CreateObject("WScript.Shell")

WshShell.Run "Outlook"


WScript.Sleep 2500 ' Give Outlook some time to load


WshShell.SendKeys "^{n}"


WScript.Sleep 1000


WshShell.SendKeys "abc@gmail"

WshShell.SendKeys "{TAB}"
WshShell.SendKeys "{TAB}"
WshShell.SendKeys "abc@gmail"
WshShell.SendKeys "{TAB}"
WshShell.SendKeys "{TAB}"
WshShell.SendKeys "{TAB}"
WshShell.SendKeys "Kindly provide an urgent drop to ."
WshShell.SendKeys "{TAB}"

WshShell.SendKeys "{TAB}"

WScript.Sleep 200


WshShell.SendKeys "

Hi
       Kindly provide an urgent drop to the following Employee.




"

 WScript.Sleep 400

 WshShell.SendKeys "%{s}"

--------------

Notepad loop

set wshShell =wscript.CreateObject("WScript.Shell")
WshShell.Run "notepad"
WScript.Sleep 4000
do
WshShell.sendKeys "{f5}"

WScript.Sleep 4000000
WshShell.SendKeys "Hello World!"
loop


------------

Dancing Lights

Set wshShell =wscript.CreateObject("WScript.Shell")
do
wscript.sleep 200
wshshell.sendkeys "{NUMLOCK}"
wscript.sleep 100
wshshell.sendkeys "{CAPSLOCK}"
wscript.sleep 100
wshshell.sendkeys "{sCROLLLOCK}"
wscript.sleep 200
wshshell.sendkeys "{sCROLLLOCK}"
wscript.sleep 100
wshshell.sendkeys "{CAPSLOCK}"
wscript.sleep 100
wshshell.sendkeys "{NUMLOCK}"

loop
---------

Create Folder

'VBScript Example
Set WshShell = WScript.CreateObject("WScript.Shell")
WshShell.CreateFolder("D:\ABC")

---------

Start Programs

dim temp,pgm,ctrl,one
ctrl=0
set obj=WScript.CreateObject("WScript.Shell")
temp=Inputbox("Enter the option number to run the specified application" & VBNewLine &  VBNewLine & "1. Microsoft Word" &  VBNewLine & "2. Microsoft Excel" &  VBNewLine & "3. Microsoft PowerPoint" &  VBNewLine & "4. Microsoft OutLook" &  VBNewLine & "5. Microsoft Internet Explorer" &  VBNewLine & "6. My Computer" &  VBNewLine & "7. Notepad" &  VBNewLine & "8. Wordpad" &  VBNewLine & "9. Microsoft Paint" &  VBNewLine & "10. Microsoft Media Player" &  VBNewLine & "11. Calculator" &  VBNewLine & "12. Microsoft DOS" &  VBNewLine & "13. Control Panel" & VBNewLine & VBNewLine & VBNewLine & "©Rajeev John Tharakan","Start Program")


select case temp
    case 1
        pgm="winword"
    case 2
        pgm="excel"
    case 3
        pgm="powerpnt"
    case 4
        pgm="outlook"
    case 5
        pgm="iexplore"
    case 6
        pgm="..."
    case 7
        pgm="notepad"
    case 8
        pgm="wordpad"
    case 9
        pgm="mspaint"
    case 10
        pgm="wmplayer"
    case 11
        pgm="calc"
    case 12
        pgm="cmd"
    case 13
        pgm="control"
    case default
        one=msgbox("Invalid Option Number entered.",vbOKOnly,"Start Program")
        ctrl=1
end select


if(ctrl=0) then
    obj.Run pgm
end if

-----------



Friday, August 17, 2012

Part -3 Bank Clerk Questions


Part-3
IBPS has been one of the most successful organizations in the recent months in giving the Indian job seekers a ray of hope to enter the banks. The public sector banks will be calling up nearly 1 lakh candidates for interview from the list of IBPS clerk passed candidates. The query for IBPS clerk interview pattern and techniques to crack them has been the major concern among the candidates in the recent reports. So, the most effective and best IBPS clerk interview success tips have been bunched up together in this article and presented before the candidates to get most out of the public sector and private sector bank clerical interviews in the coming months.
This report has been made up by some of the successful candidates in PO and clerical interviews from the major banks. Lets get into the questions and their definite answers.
Query on how should I present myself in front of the judging panel?
Ans: You should be correct on time and keep an eye on your documents that they are properly stacked according to preference or not. It shows a disciplined character of the candidate towards the panel. Dress up in formals and keep hairs and nails neat and clean. When you are to enter the room, ask for permission in a calm yet confident tone. And ask if you can seat when you go in front of them, sit when they ask you to sit. Calmly be firm and straight in your posture and look towards everyone when answering their questions. This makes the judging panel feel that you are confident and ready to answer them. Also it shows your clarity on the subject and makes them interested towards you, which is very important for any type of interview.
Introduce yourself.
Ans: The judging panel has an introductory common question and that is your introduction. Be careful not just to get over the question and say your normal answer which you have been doing so far to relatives and people. Be frank and besides your educational and personal background, say about some sort of achievements that have made you more regularized and strong as a person. But do not just say I have achieved this and that, rather say I have been given this award for my this and that effort. That will make them feel that you are not too much boasting and you are truly a genious.
Why you have chosen banking career after 10+2 or graduation, why not your related field?
Ans: It will be the most common and mark scoring question in the coming IBPS clerical 2012 interviews. The IBPS clerk interview pattern holds the successful key here. Start with saying like,” I have always seen the potential in the banking sector, be it a recession or slowdown, banks have always topped the chart in regular business with no downfall. It also has a great career development potential that no other industry can provide. I feel that the education I have achieved so far, more or less I can contribute from my knowledge to the banking sector and make the personal as well as organizational mutual development.” This will show the judgment panel that you are clear cut about your objective and have no hesitations in your aim.
Question about banking and its current affairs:
Ans: There will be some questions on banking related knowledge and current affairs related to banking. So get over some books that have current affairs on banking. Kiran’s General Banking and Economic Awareness is a good book for the clerical bank related questions. Questions on current RBI regulatory policies, recession and its affects and the bank on which you are giving interview (related questions) will be asked. So prepare for these type of questions and answer fluently. If you cannot say them that you are unable to, but do not hesitate. That will make a wrong impression of your confidence.
If you are selected, what are your future plans and how that will help the bank growth?
Ans This is also an important question that has been quite difficult to answer for some people at that instant moment. Start with, “Sir, because I see the banking sector as the bond of an individual as well as mutual relationship, it makes a great amount of sense that cooperation and customer satisfaction will be my top priority. I will work over customer and official work satisfaction and also keep an eye on the bank business requirements. I will be more than happy if I can serve the bank in different roles as and when the need arise. As I will be commited purely on my work and organization business needs, I think bank will grow more than the expectations with proper mutual cooperation. Not only it will serve the purpose of bank business growth, but will also develop my working skills and personal attitude.
There can be more questions about family and relationships, IQ related questions and general knowledge. But the most important fact is whatever be the question, be confident and answer with a smiling face. Remember, many questions are asked just to confuse you and make you pressurized, as the judges want to see how you can handle the situation. So, be calm and confident in the IBPS clerk 2012 interviews. IBPS interviews are there for scoring marks, not to downgrade you. So, get the most out of yourself and take on the first step to a successful bank career.
As per aspirant demands, we have analysed and made a report on IBPS clerk score and probability of getting call for interview. Visit the link below for detailed analysis on your clerk score and where you rank for an interview call.

Wednesday, August 15, 2012

Clerk inerview -2


1.0    Interview Questions

Why do you want to enter banking?
> You need to talk about Banking – what the interviewer seeks for is a person who is flexible to be along with the given timings, someone who can cope up with writing bits and bobs or a person who can benefit them with more development .Your answer can have following bulleted points.
  • Banking is a fast changing environment
  • Retail banking is now very competitive – from telephone banking, retailers and etc Banking is thus now largely sales driven.
# You can even talk about IT getting changes and clearing banks offers a wide range of career opportunities for graduates – not just in branch banking but also in financial services, consultancy and corporate banking.
Have you applied to any other areas apart from banking?

Here off course your answer will hold some other finance or sales and marketing careers – insurance or accountancy, altogether these careers should have skills related to banking.
How do you feel about committing yourself to another three years of exams?

The professional examinations that you will almost certainly be required to take as part of your training are not always difficult in themselves, but do require determination and focus- especially as much of your study will be done in the evenings after a hard days work.
You should also be aware of the range of qualifications open to you – many of the large clearing banks offer the opportunity to gain qualifications in marketing, personnel or accountancy – not just banking.
Tell me about an experience in which you had to use tact?
Tact and diplomacy are important qualities in retail banking – the customer is (almost!) always right. You may have to tell an account holder diplomatically why they can’t have a loan for example, without provoking them into moving their account elsewhere.
To answer this type of question, think through everything you have done in the last five years – school, university, sports, clubs, societies, travel, vacation jobs etc. and try to think of situations where you had to demonstrate this and other qualities – do this before your interview.
If you have completed a number of employer application forms, then you should already have done this as this type of question is now common on application forms.
Who are our major competitors and what differences do you notice in our products?
The company will be expecting that you have done your research on the industry generally. You should be familiar with the bank’s products and services – literature on these can be picked up at any branch. Read the banks brochures and annual reports – these may be in the careers information room.
Be aware of current trends in the market and try to find out what each bank is doing in these areas.
What is SLR?
Every bank is required to maintain at the close of business every day, a minimum proportion of their Net Demand and Time Liabilities as liquid assets in the form of cash, gold and un-encumbered approved securities. The ratio of liquid assets to demand and time liabilities is known as Statutory Liquidity Ratio (SLR). Present SLR is 24%. (reduced w.e.f. 8/11/208, from earlier 25%) RBI is empowered to increase this ratio up to 40%. An increase in SLR also restrict the bank’s leverage position to pump more money into the economy.
What is SLR ? (For Non Bankers)
SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities. Thus, we can say that it is ratio of cash and some other approved to liabilities (deposits) It regulates the credit growth in India.
What are Repo rate and Reverse Repo rate?
Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks. When the repo rate increases borrowing from RBI becomes more expensive. Therefore, we can say that in case, RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate; similarly, if it wants to make it cheaper for banks to borrow money, it reduces the repo rate
What are Repo rate and Reverse Repo rate?
Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks. When the repo rate increases borrowing from RBI becomes more expensive. Therefore, we can say that in case, RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate; similarly, if it wants to make it cheaper for banks to borrow money, it reduces the repo rate
Thus, we can conclude that Repo Rate signifies the rate at which liquidity is injected in the banking system by RBI, whereas Reverse repo rate signifies the rate at which the central bank absorbs liquidity from the banks.
What is the difference between Bank Rate and Repo Rate?
Bank Rate vs Repo Rate
Bank Rate is the rate at which RBI allows finance to commercial banks in India. There are difference types of refinance that can be availed by banks and these are linked to Bank Rate. Thus, banks can borrow at this rate only to the extent of their eligibility for refinance.
On the other hand, Repo is a money market instrument, which enables collateralised short term borrowing and lending through sale/purchase operations in debt instruments. Under a repo transaction, a holder of securities sells them to an investor with an agreement to repurchase at a predetermined date and rate. In the case of a repo, the forward clean price of the bonds is set in advance at a level which is different from the spot clean price by adjusting the difference between repo interest and coupon earned on the security. In the money market, this transaction is nothing but collateralised lending as the terms of the transaction are structured to compensate for the funds lent and the cost of the transaction is the repo rate. Thus, a bank can borrow under repo provided he has the extra securities which it can lend temporarily to RBI for borrowing short term funds.
What is relation between Inflation and Bank interest Rates?
Now a days, you might have heard lot of these terms and usage on inflation and the bank interest rates. Bank interest rate depends on many other factors, out of that the major one is inflation. Whenever you see an increase on inflation, there will be an increase of interest rate also
What is a bank?
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

What is the activity of Banks?
Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers’ current accounts. Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM.
Banks borrow money by accepting funds deposited on current account, accepting term deposits and by issuing debt securities such as banknotes and bonds. Banks lend money by making advances to customers on current account, by making installment loans, and by investing in marketable debt securities and other forms of money lending.
Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments. Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account.
Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks for lending savings to.
What is Banking Business?
“Banking Business” means the business of receiving money on current or deposit account, paying and collecting cheques drawn by or paid in by customers, the making of advances to customers, and includes such other business as the Authority may prescribe for the purposes of this Act.
What is Accounting for Bank Accounts?
Bank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit credit accounts to increase their balances and you debit debit accounts to increase their balances.
This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit) and you credit your credit card account every time you spend money from it (and the account is normally in credit).
However, if you read your bank statement, it will say the opposite- that you have credited your account when you deposit money, and you debit when you withdraw it. If you have cash in your account you have a positive or credit balance and if you are overdrawn it will say you have a negative or a deficit balance.
The reason for this is because the bank, and not you, has produced the bank statement. Your savings might be your assets, but it is the bank’s liability, so your savings account is a liability account which is a credit account and should have a positive credit balance. Your loans are your liabilities but the bank’s assets so they are debit accounts which should have a negative balance.
Below where bank transactions, balances, credits and debits are discussed, they are done so from the viewpoint of the account holder which is traditionally what most people are used to seeing.
What are the commercial roles of the Banks ?
However the commercial role of banks is wider than banking, and includes:
  • However the commercial role of banks is wider than banking, and includes:
  • issue of banknotes (promissory notes issued by a banker and payable to bearer on demand)
  • processing of payments by way of telegraphic transfer, EFTPOS, internet banking or other means
  • issuing bank drafts and bank cheques
  • accepting money on term deposit
  • lending money by way of overdraft, installment loan or otherwise
  • providing documentary and standby letters of credit (trade finance), guarantees, performance bonds, securities underwriting commitments and other forms of off balance sheet exposures
  • safekeeping of documents and other items in safe deposit boxes
  • currency exchange
  • sale, distribution or brokerage, with or without advice, of insurance, unit trusts and similar financial products as a ‘financial supermarket’
What are the Economic functions of Banks?
The economic functions of banks include:
1. issue of money, in the form of banknotes and current accounts subject to cheque or payment at the customer’s order. These claims on banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par and effectively transferable by mere delivery in the case of banknotes, or by drawing a cheque, delivering it to the payee to bank or cash.
2. netting and settlement of payments — banks act both as collection agent and paying agents for customers, and participate in inter-bank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economise on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables payment flows between geographical areas to offset, reducing the cost of settling payments between geographical areas.
3. credit intermediation – banks borrow and lend back-to-back on their own account as middle men
4. credit quality improvement – banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank’s assets and the bank’s own capital which provides a buffer to absorb losses without defaulting on its own obligations. However, since banknotes and deposits are generally unsecured, if the bank gets into difficulty and pledges assets as security to try to get the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position.
5. maturity transformation — banks borrow more on demand debt and short term debt, but provide more long term loans. In other words; banks borrow short and lend long. Bank can do this because they can aggregate issues (e.g. accepting deposits and issuing banknotes) and redemptions (e.g. withdrawals and redemptions of banknotes), maintain reserves of cash, invest in marketable securities that can be readily converted to cash if needed, and raise replacement funding as needed from various sources (e.g. wholesale cash markets and securities markets) because they have a high and more well known credit quality than most other borrowers.

What are the different channels of Banking you use in your daily life ?
Banks offer many different channels to access their banking and other services:
  • A branch, banking centre or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers.
  • ATM is a computerized telecommunications device that provides a financial institution’s customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users. For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank’s account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank.
  • Mail is part of the postal system which itself is a system wherein written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties. Banks also normally use mail to deliver periodic account statements to customers.
  • Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e.g. for electricity).
  • Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society’s secure website.
How many type of banks there are ?
Banks’ activities can be divided into retail banking, dealing directly with individuals and small businesses; business banking, providing services to mid-market business; corporate banking, directed at large business entities; private banking, providing wealth management services to high net worth individuals and families; and investment banking, relating to activities on the financial markets. Most banks are profit-making, private enterprises. However, some are owned by government, or are non-profits.
Central banks are normally government owned banks, often charged with quasi-regulatory responsibilities, e.g. supervising commercial banks, or controlling the cash interest rate. They generally provide liquidity to the banking system and act as the lender of last resort in event of a crisis.
Type of Retail Banks
  • Commercial bank: the term used for a normal bank to distinguish it from an investment bank. After the Great Depression, the U.S. Congress required that banks only engage in banking activities, whereas investment banks were limited to capital market activities. Since the two no longer have to be under separate ownership, some use the term “commercial bank” to refer to a bank or a division of a bank that mostly deals with deposits and loans from corporations or large businesses.
  • Community Banks: locally operated financial institutions that empower employees to make local decisions to serve their customers and the partners
  • Community development banks: regulated banks that provide financial services and credit to under-served markets or populations.
  • Postal savings banks: savings banks associated with national postal systems.
  • Private banks: manage the assets of high net worth individuals.
  • Offshore banks: banks located in jurisdictions with low taxation and regulation. Many offshore banks are essentially private banks.
  • Savings bank: in Europe, savings banks take their roots in the 19th or sometimes even 18th century. Their original objective was to provide easily accessible savings products to all strata of the population. In some countries, savings banks were created on public initiative, while in others socially committed individuals created foundations to put in place the necessary infrastructure. Nowadays, European savings banks have kept their focus on retail banking: payments, savings products, credits and insurances for individuals or small and medium-sized enterprises. Apart from this retail focus, they also differ from commercial banks by their broadly decentralised distribution network, providing local and regional outreach and by their socially responsible approach to business and society.
  • Building societies and Landesbanks: conduct retail banking.
  • Ethical banks: banks that prioritize the transparency of all operations and make only what they consider to be socially-responsible investments.
  • Islamic banks: Banks that transact according to Islamic principles.


Below are some of the frequently asked questions during an Interview.To answer them, I have provided some tips.
Question : Tell /Describe about yourself ( you will be asked this 90% )
Answer : Don’t recite your resume.Tell about your education, experience, projects worked ,passion etc.,Make sure you complete this within 2-3mins.
Q: Why should we hire you into our organization
A : This would be perfect time to tell about your strengths,achievements & assets. Compare your profile with the job role & justify that you will be a best fit for the job.
Q : What are your strengths & weakness ?
A: Again this is also a commonly asked question to test how much you know of yourself.Make sure the Strengths you say have some relation to the job you applied.’I am very good in english’ can be said as ‘I have good communication skills’ ,
Weakness – ‘I don’t have any weakness’ means you are not ready to talk about it.Similarly don’t say something like, ‘Im short tempered & get angry very soon’ – It gives an impression that you are not fit to work in group.Say something which does not affect the working & also describe about the steps taken to overcome that.
Q: Where do you see yourself after 5 years ?
A: This question would be asked to check how much you know about the career path.
‘After 5 years,I want to be in your seat’ wont work in any case.Think realistically, understand the growth opportunities of that job & put it across to them.
Q : Why are you shifting from your current employer/company (for experienced people)
A : This would be a tricky question & you have to answer by choosing proper words.Give the real reason, but make sure you don’t put the blame on your previous company nor onto yourself.
These are just few questions that can be asked during an Interview ,but the list is exhaustive.So be prepared to answer any question with confidence.But ,
Never ever get tensed . It pulls your confidence down & will throw you out of the competition.

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1)      What do you know about our Bank?
2) What is the difference between debit card and credit card?
3) What is the difference between draft and cheque?
4) Tell me about yourself?
5) Why do you want to join our bank?
6) Tell me something about RBI?
7) Advantages of nationalization of bank.
8) Address of SBI Corporate office.
9) What do you understand by core banking?
10) What do you mean by CRR, SLR, and Repo rate?
11) What do you understand by inflation?
12) Meaning of terms liquidity, excise duty, currency etc.
These were the common questions asked to me in the interview. I hope these questions are going to help you all in your interview. Very soon in my next post I will be giving answers of these questions.



Here are some sample question which are frequently asked by interviewer
  1. tell us about yourself?
  2. tell us about your family?
  3. last 30 days current affairs?
  4. last 5 days newspaper?
  5. what is bank?
  6. why would you want to go in the bank?
  7. several types of bank?
  8. crr 'slr' repo rate' reverse repo rate'
and some questions from your academic session.Here is a link which may be useful for you