SBI Clerk interview Question

SBI Clerk interview Question: taken from Web itself , you may Need to use your mind sometime.

Had my interview in banglore for syndicate on 16 march 2012

tell me abt ur self
as am working in sbi as clerk asked me why i wanna leave sbi
then if u clear jaiib and caiib u can get po there itself
what am doing there
what is base rate?
whats the purpose of giving loans?
what is retail credit?what r the products of retail credit?
finnancial inclusion?
what is dri?
on what basis give loans?
have u heard about cibil?
what is percentage of gold loan?
what is business of ur branch and profit for last year?
westrn union?
family backgroud
it lasted around 15 min

I read sujana interviews question.I am also working at SBI.My sbi interview held on 17th mar.The question they asked were

1. tell me something about yourself.
2.why there is a gap after your graduation?
3.when was your branched establised?what are the the business of your branch?
4.what are the jobs you performs?
5.How many people are working at your branch?
6.Difference between cc and od account.
7.what are stock statements?
8.how is cc provided?
9.how to sanction loan?
10.are you persuing jiiband ciib?
11.what are the main activities of people in that areas.
that all a request if possible can you(sujana)the answer of your question I would highly appreciate your effort but if you feel bad please forget and forgive.

Questions asked:
panel head asked:

-cut off for previous shortlists (I dint got selected in any bfore.)
-difference between banking n finance (told)
-Difference between micro financial institutions and NBFCs. (told)
-Diff. between Co-operative societies and SHGs.(told)
-Accounting practices in banks (kindly ans. anyone)
-debt equity structure of a company to be considered by bank for loaning (ans. pls)
-whts working capital? (told)
-are preferential shares r counted as equity? (told)
-wht is more beneficial fr a co.: equity or debentures (told)
-and few more question relating to banking n finance. (told many of them)

2nd person asked:
- whts GUI?
-hw would u save a computer during electric storm (ans. pls)
-most preferred computer language in business parlance.(told few)
-name 4 operating system (told)
-name 3 4th gen comp. language (told)
-name 5 lady business personalities (told)
-3 strong points in favour of ur candidature (told)
-wht's guarantee that u'll join bank (told)
-ur 2 weaknesses (told)
and 1 more current question whch i forgot.

Q1. What were you doing since 2010(year of graduation)?
Q2. What is Cloud Computing?
Q3. What this years budget had in store 4 banking sector and effects of tis budget on banking sector?
Q4. What is Inflation? How it is controlled?
Q5. What is HDI(Human Developement Index)?
Q6. How is HDI calculated?
Q7. What is GDP?
Q8. What are Foreign Reserves?
Q9. What types of Loans are provided by Banks?
Q10. What are your strength and weakness?

Notes:

Important definitions helpful in bank interview preparation:-
Hi friends,
Here I am posting for you some important banking terminology that will helpful in your bank interview preparation. I hope it will clear all your doubts regarding different bank rates.

REPO RATE: - Under repo transaction the borrower places with the lender certain acceptable securities against funds received and agree to reverse this transaction on a predetermined future date at agreed interest cost. Repo rate is also called (repurchase agreement or repurchase option).

REVERSE REPO RATE: - is the interest rate earned by the bank for lending money to the RBI in exchange of govt. securities or "lender buys securities with agreement to sell them back at a predetermined rate".

CASH RESERVE RATIO: - specifies the percentage of their total deposits the commercial bank must keep with central bank or RBI. Higher the CRR lower will be the capacity of bank to create credit.

SLR: - known as Statutorily Liquidity Ratio. Each bank is required statutorily maintain a prescribed minimum proportion of its demand and time liabilities in the form of designated liquid asset.
OR
"Every bank has to maintain a percentage of its demand and time liabilities by way of cash, gold etc".

BANK RATE: - is the rate of interest which is charged by RBI on its advances to commercial banks. When reserve bank desires to restrict expansion of credit it raises the bank rate there by making the credit costlier to commercial bank.

OVERDRAFT:- It is the loan facility on customer current account at a bank permitting him to overdraw up to a certain agreed limit for a agreed period ,interest is payable only on the amount of loan taken up.

PRIME LENDING RATE: It is the rate at which commercial banks give loan to its prime customers.