HOW TO FACE BANKING INTERVIEWS 2018?(Easy and Simple Explained)


The IBPS PO Interview procedures are set to start from the third week of January 2017 this Banking Interview 2017 guide will help you a lot to get selected in the Banking sector.

More interviews will follow thereafter. Many would be called for the interviews, but only the deserving candidates will be selected. Or, let me correct myself, they will simply pick out the deserving candidates. We are sure that you all are aware of the fact that this time there will be a common interview conducted by IBPS and that the banks will have no role in the interview process like last time.

The total marks allotted for the interviews are 100. The relative weightage (ratio) of CWE and interview will be 80:20 respectively. I.e 80% from the written marks and 20%= from the interview marks.


The Banking Interview 2017 interview is an occasion of interpersonal communication between the prospective employer and a prospective candidate. It is a platform where the organization checks the suitability of the candidate vis-a-vis the job profile. The interviewee also has the opportunity to examine if his personal objectives will be met in the job and the company.
In an interview, the candidate has to try to sell them to the interviewer. This interview is a way for the panel to evaluate the personal skills and potential of the candidate vis a vis the post he has applied for. The questions asked in this interview are meant to measure the attitude, skills, and adjustability of the candidate. The approach that the candidate takes to answer
the questions let the board decide the suitability of the candidate for the bank.

Well then let’s talk about what qualities are those that make someone so deserving.

Banks are Business oriented. They compete with one another. They always were and always will be on the lookout for good people they can hire who in turn can increase their turnover, can orient their business, and can save their ass. In need, they also fire the lunatic ones who make losses, who imbalances Bank’s reputation, and disturbs their business relations. So, in turn, they always want more and more good people.But they don’t have all the time to analyze thousands of people. One interview, or interaction, last, on an average 15 minutes per candidate. Just 15 minutes to know whether a person is suitable for the job or not.A Bank grows on the basic old-age principle of maintaining good relations with customers- Friendly relations. That’s only why they promise this thing to each and every customer. Customer satisfaction is their highest priority. So, are you willing to hold onto ‘this’ promise of theirs? If yes, then Congratulations! You’re welcome for the job. If not, you ‘d better pack your bags and try somewhere else!

Now, let’s understand this scenario.

Let me be an illiterate Bank customer who knows ‘Hindi’ only. And I want to open my Banking account. So, I went to an XYZ Bank for this purpose. This is the treatment I got.

I: Mujhe khata kholna hai. (I want to open an account)
Peon: Dopahar Khane Baad Aana.

I: (being angry): Wait karta hu.
After lunch.

I: Khata kholna hai Sahab. Kab khologe?( When will you open my account).

Clerk (busy, not interested, and not even looking at me): Have you bought your documents with you?

I: (not able to understand English): Kya?

Clerk (looking at me now, saying something in his local language): Sabuka Gazpatra Aanicha ta?????

I: (more puzzled): Kya??

And frustration. He tells me in sign language to come again tomorrow morning when he’ll be freer. Time lost and more
frustration. So, I go back home, I tell my family and my relatives, and my society that all this and this happened. Slowly and with time, they begin to have a feeling that this Bank is worthless. Later, we all open our accounts at some other Bank branches where we got fair treatment. In turn, one clerk’s attitude made XYZ Bank lose many customers. We all could have
Deposited one crore rupee combined in the long run. The loss at grass root level!!

These things happen; not this way, but they happen. This was only a scenario to make you understand the importance
of customer satisfaction. Banks never want any customer to feel disappointed due to the behavior of their employees. The
idea is that one customer’s dissatisfaction sometimes results in many a customer’s losses in the long run. And why?
Because he wasn’t Satisfied.

A normal customer just wants:

  1. The Banker to converse with him in his local language. No
    English vinglish—customers die to converse in their mother
  2. To be given priority.
  3. To be treated fairly.
  4. The Banker to not be lazy.

And it’s his right to be treated this way. After all, it’s his money that’ll be saved in this Bank.

So, to balance all this, the interview panel tries to learn these following qualities in a candidate. They want:

  1. The candidate must know the local language. They can
    connect better with the customers only if they know the local
  2. If he doesn’t know the local language, then he must be
    Adaptive. Means to say, he must be able to learn it while at
  3. The candidate must know what being friendly to a
    Customer means.
  4. The candidate must not be lazy.
  5. Must treat all the customers (illiterate plus literate plus
    angry plus frustrated) smartly and in an amicable manner.
  6. Must treat the customers above him.
    And more, and more.

Let’s now look at another scenario.

I’m the interviewer now. Along with three, four others in the panel, I’m taking the interviews of 40+ candidates on this
and this date. We’ve split up the time accordingly; 10 minutes on an average per candidate. Now, these are the following qualities we’re Be looking forward to in a candidate:

  1. The candidate must smile warmly, not be grinning. He should
    treat us properly.
  2. We’re here to know him better. He should co-operate. He
    should sit properly.
  3. His dressing should convey he’s really come for his interview
    (and not to play teen Patti with us)
  4. He should be honest while answering.
  5. And creative. We love creative people.

Candidate 1 has come and he forgot to greet us.

A rather bad impression. Will he greet Bank customers, priority customers, while at work when he isn’t greeting us
here right now? Customers want affection from Bank employees and a warm smile on the face is the greatest sign
of affection. Or is he really like this in his personal life as well?
A bad-mannered person. A small gesture, but many simple deductions!

Candidate 2 has come, but he’s just too shy to converse with us.

Now, why is he shy? Are we asking him his hand for our
daughter? Why is he so shy? We’re not learning much from
him. Would he be able to converse with our Bank customers
properly or not? He’s just too shy. Reputed customers might
think we’re hiring novices who are not fit for the job. This
might harm our Banks image.
Another small gesture, but which way it’s going, you know

Candidate 3 has come. He was confident in the beginning, but his voice faltered the moment we presented him a question. We tried to make him normal, but he still is as he was.

Now we’re not getting what he’s saying. We do not
understand him at all. Are we going to kill him after this
interview? What he’s afraid of? Why he’s so scared? Is he
thinking of himself a terrorist and we’re interrogating him of
his ties with the Al- Qaeda?

Candidate 4 has come, greeted us with a smile, but his hairstyle, oh my God!

What does he think of himself? A Rockstar? A funky bandmaster? A Playboy? We’re here to hire candidates to work
for Banks, not for Music Bands.

Candidate 5 has come, greeted us properly. Is properly dressed. But when put to him a question, he gave us the wrong answer.

Why is he giving the wrong answer? Is he being haughty? If a
customer does come and asks him a query, the answer of
which he’d not know, will he also give him the wrong kind of
answer? Can’t he just say, ‘I don’t know, Sir’? But no, he’s into
giving the
Wrong answers. Not so good!
Candidate 5 has come. Greeted us properly. Asked for
permission to sit. His spirit seems confident; his face, the
face of a leader. He’s properly conversing with us. Has
kept a smile on his face. Is properly dressed. In total, a
charming candidate.

So far so good. Let us begin the interview now!

Ques 1: So tell us how a Bank works?

You are sitting in an interview and you’re here only because
you’ve qualified the banking exam, and you’ve qualified it
only because you were capable. So, why do we ask these
questions here also? Hadn’t we asked all of these in the exam
Well, we do this for many reasons. The most important:
Answering a question using the hands in the exam and
Answering a question using mouth in an interview are two
very different sort of things. Feelings are different. Plus, here,
we’re trying to know him better personally by asking
questions, by direct interaction. The purpose of these general
questions is just to check if he falters at any point or
maintains his posture, to check if he’s the one who has given
The exam (and not his impersonation, some fraud), and with
time, to check his psychological level, his current general
knowledge (if he had retained what he has read), his way of
answering, and etc. and etc.
He tells us a Bank let customers deposit their funds, and
utilizes these funds in profitable businesses, loans, buying
properties, etc.

Ques 2: So, it’s on the customer’s money a Bank is
running. If a customer comes in Bank, drunk, and asks to
withdraw his money, will you accept his request?

A situational question to check his practicability. A question
to check if he’s capable of analyzing a completely different
situation (these situations will come many times when he’d be working). If he answers yes, we’ll throw him another
quick question. If he says no, we’ll try to make him cry with
our related questions we’ve pre-planned. Let the fun begin!
But he just says, ‘Sorry Sir, I don’t know the proper answer.’
A genuine answer! That’s what we look forward to in a
candidate. Genuineness! A candidate should be genuine to
his work. Genuine to people. And most importantly, genuine
to Bank customers. If he doesn’t know something (we just
cannot suppose a person to know each and everything), he
should consult with seniors or the ones who know, rather
than give a right kind of answers.
We ask him more general questions and he gave polite
replies. He smiled properly, didn’t grin, cheered us, and was
affable. This candidate’s name is likely to be placed on the final

Interviewers like charming people. Or should I say, Love?
Yes, they adore charming people. Charming people are
adored everywhere.
Charming people are those people who know how to attract
others. Their acts are magnetic. They’re the people, whose
smile, whose gestures begets affection. It is indeed bad to
Banks if people come to a branch and you, a Bank employee
is throwing angry looks at him. You must bear a smile on
your face while at work (and in the interview also, so we
could know how pleasing your smiling is in reality).
Banks are for the service of customers and you must be
prepared to devote yourself to this cause. And you must
recognize a person’s value. You must prepare to place others
before yourself. That’ll your supreme duty being a Bank
Interviewers like to recruit those people whom the
customers would praise someday (of their attitude and good
work) in front of their families, their society.

1. People, who are not lazy at work
2. People, who don’t procrastinate.
3. People, who are just. People, who have a sense of team
leadership in them.
4. People, who can operate a Bank even alone in cases if all
the other employees are off-duty that day. People, who
enjoy working in a Bank.
And all these qualities the interview panel analyses in
just 15 minutes!
Know this, and know this well, that they won’t ask you any
bad question. They will not waste even half a minute. Every
question they’ll put forward, it must be linked to something
deeper. Don’t you dare think they tried to mock you by
asking how many gfs you had, or how many times you
bunked the class, or how many times you cheated on an
exam? They just want to check your attitude towards these
questions, your talent at working out a quick reply, your
social skills in addition to your mental abilities.
So prepare yourself for all kinds of questions and you should
try to know the intention behind their questions.
1. No matter if you’ve done B. Com or B. Tech, they want you
to have knowledge about general things of your subjects.
2. They want you to know current knowledge of what’s
happening all around the world, or more importantly, in

your State. (Just to check on how much aware you’re of your
3. They want you to have a good presence of mind.
4. They want you to have learning abilities and willingness to
5. They want you to have a sense of moral ethics.
6. They want you to have a sense of respect for seniors as
well as your juniors
7. They want in you the abilities to do work meticulously and
8. They want you to be passionate about your work and the
tasks you’re provided.
9. They want you to have some risk management skills. And
of course, a good way, a morally proper way to tackle uneven

And so, that’s how the interviews go.
It depends upon person to person. It depends upon the mood
of interviewers. Some interviewers are in such a good mood
(because of previous candidate’s funny jokes) that they don’t
even look how poorly your shoelaces are tied or how
improperly your hair is combed. And some interviewers are
in such a bad mood (might be they’re just bored sitting all
day interviewing idiots, but that’s a rarity) that they even
checks your panic level in the vibrations of your leg and the
contrast of your uneven tone.

So your role is to be prepared for all kind of situations.



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