AN INTERVIEW -- MODEL

A Model Interview:

Mr. X	:	Good Morning, Sirs. It could be Good Noon or Good Afternoon as per the time of interviews)
Chairman	:	Good Morning Mr. X, please take your seat.
Mr. X	:	Thank you, sir. (He occupies the chair nicely, without pulling or dragging it)
Chairman	:	Where did you complete your graduation from Mr. X?
Mr. X	:	From Y……. College, Z….. Sir.
Chairman	:	What were your subjects?
Mr. X	:	I did B.Com with Mathematics. Accountancy, Maths and English were my subjects.
Chairman	:	Your father is a lecturer in English. Why didn't you think of a similar career for yourself?
Mr. X	:	I have a liking for Maths and Accounts since Matriculation. I got my maximum marks in Maths in the Board Examinations in 10th and 12th classes. My parental uncle who is a Chief Manager in the State Bank of India advised to go for B.Com. seeing my liking for the pertinent subjects. So here I am, Sir.
Chairman	:	How would you find the area of a circle?
Mr. X	:	Sir, it is equal to <3 .14=".14" p="p" r="r" x="x">
Chairman	:	What is the Double Entry System in accounts?
Mr. X	:	It is a system of recording a debit and a credit for an entry. It follows that for every debit there is a credit and credit for every debit.
Chairman	:	What is a Balance Sheet?
Mr. X	:	It is the statement of the balances of all the accounts of a firm or a company as on a particular date depicting its financial position as on that date.
Chairman	:	Should the Profit and Loss A/c of that company of the same date?
Mr. X	:	No Sir, the Profit and Loss A/c is not for a particular date. It is a particular period, say a half year or a year.
Chairman	:	OK, but why is it so?
Mr. X	:	Sir, the Profit and Loss A/c is for a period, say a financial year, to show what the business has done during that period; whether it has earned a profit, and if so, how much, or whether it has suffered a loss, and if so, how much. The Balance Sheet is as on a particular date; say 31st March of the year, to show the detail of the assets and liabilities of a company, i.e. its financial position as on that date.
	:	(The Chairman is done with his questions and the interview passes on to the 1st  Member)
Comments	:	The candidate has made a Good initial impression on the Board. He has not only shown Good manners but also self-confidence. He seems to have chosen the profession on the basis of his interest and aptitude; not mere desire. He is able to answer the questions correctly which shows that he has prepared well.
1st Member	:	What are LIBOR and SIBOR?
Mr. X	:	Sir, LIBOR is London Inter-Bank Offered Rate while SIBOR is Singapore Inter-Bank Offered Rate.
1st Member	:	Which is-the largest bank in India?
Mr. X	:	It is The State Bank of India, Sir both in terms of number of branches and the amount of deposits; and also among public sector banks and private sector banks.
1st  Member	:	Can you tell me the major difference between these two types of banks?
Mr. X	:	Sure Sir. Public sector banks are those which are operated by Govt. bodies and the employees get salaries from the Govt. funds. Private sector banks on the other hand are the banks which are controlled by the private lenders with the approval from the RBI. Their interest rates are slightly costly as compared to public sector banks

1st Member	:	Do you have a bank account Mr.X?
Mr. X	:	Yes Sir. I have a Savings bank Account in Canara Bank.
	:	(2nd Member takes over)
2nd Member	:	Why the banks were nationalized Mr. X?
Mr. X	:	Sir, private banks were nationalized way back in 1969 and six more in 1980. The purpose was to make them work more in accordance with national priorities of development of agriculture and industry by making advances liberally in these sectors instead of concentrating on making more and more profits.
2nd member	:	Did it make a difference?
Mr. X	:	Yes, certainly Sir. If India's agriculture and industry have developed over the years, some credit must go to the nationalised, banks for contributing capital in the shape of timely finance for buying inputs, raw materials and introducing latest technology.
2nd Member	:	Who is' the Finance Minister of India at present?
Mr. X	:	Mr. Pranab Mukherjee, Sir.
2nd Member	:	By which designation Foreign Minister of U.S.A. called?
Mr. X	:	The Secretary of the State
2nd Member	:	Which city is called the commercial capital of India?
Mr. X	:	It is Mumbai.
2nd Member	:	Who is the Governor of RBI now?
Mr. X	:	Dr. D. Subbarao
2nd Member	:	Can you tell us how many Deputy Governors are there in RBI
Mr. X	:	Yes Sir, there are four Deputy Governors.
2nd Member	:	Can you name the present ones?
Mr. X	:	I can name two: Smt. S. Gopinath and Dr. K. C. Chakrabarty.
2nd Member	:	Never mind, the other two are Dr. Subir Gokarn and Mr. Anand .Sinha
Mr. X	:	Thank you, Sir, I'll remember these names.
Comments	:	The candidate has built on the initial Good impression by answering all the questions correctly. His confidence is also growing which is clearly based on his Good knowledge. He listens to the questions patiently and then answers briefly and properly. His voice is not loud, yet emphatic.
		(Now 3rd Member takes over)
3rd Member	:	What is the capital of Andaman and Nicobar Islands?
Mr. X	:	It is Port Blair
3rd Member	:	Do you know Mr. X how Narmada and Tapti are different from the other rivers of the South?
Mr. X	:	They flow from East to Wes while other rivers of the South ie. Mahnadi, Godavari, Krishna and Cauvery flow from West to East. Secondly, Narmada and Tapti flow into the Arabian Sea while the others, flow into the Bay of Bengal.
3rd Member	:	How were you able to answer this Mr. X? You were not regular student of Geography.
Mr. X	:	Thank you. Sir. Geography is regular subject for all the students in class 10th as per CBSE curriculum. It was also one of my favourite subjects as it gives knowledge of various natural phenomena as well as places. I also feel Sir, one must know about the main geographical features of one's country.
3rd Member	:	All right. What is your aim in life Mr. X?
Mr. X	:	For the time being it is to clear this interview and become a Probationary Officer in a bank. (Everybody laughs)
3rd Member:	:	Suppose you are selected and sent to a far-off place like Guwahati or Bangalore how would you feel?
Mr. X	:	I would feel excited and happy at my selection. I would gladly go and serve even at those places which are far away from my home city Chandigarh.  But I would get an opportunity to see new places, meet people of different cultures and tastes. I would learn many things. Moreover, I know that the bank job is transferable. After the completion of my duration I would surely be placed at some nearby place.
3rd Member	:	I appreciate your spirit Mr. X but won't you remain far away from your parents?
Mr. X	:	Yes Sir, but only for a small period. My father is going to retire after six months. My mother is a house wife. I would take both of them along with me. They would get an opportunity for sightseeing and relaxing.
3rd Member	:	But supposing you are not selected?
Mr. X	:	Well, Sir I am quite confident of being selected but if, unfortunately l am not able to make it this year, I will try again next year with more hard work and even better preparation.
3rd Member	:	Do you have interest in sports?
Mr. X	:	Yes Sir. I was a regular member of college cricket team. I love watching cricket matches, football and tennis on T. V.
3rd Member	:	Who is your favourite tennis player from India?
Mr. X	:	Mahesh Bhupati and Leander Paes in doubles. Both are extremely versatile doubles players. I also like young , Devvaraman.
Comments	:	The candidate was asked questions from different fields to test his GK and general awareness. He has come out very well by' answering them easily. Things are going nicely for him. (The Chairman wants to· ask some final few questions and he addresses the candidate)
Chairman	:	Mr. X should we save money and put it in the bank when everybody knows that value of money is decreasing day by day as prices of Goods and services are increasing.
Mr. X	:	Sir. I am' strongly in, favour of saving. Money swells in the bank. It stops you from spending needlessly. A penny saved is a penny earned is a time tested adage.
Chairman	:	What changes do you think have come about in banking during the last two decades or so?
Mr. X	:	Sir, banking has undergone great changes during the last twenty years· or so. Most of these changes have to do with the application of new technology. Now all transactions are done through computers: debit, credit, issuing drafts, fixed deposit receipts, issuing account statements, completing pass books, applying interest on accounts, etc. all have become easy, accurate and quick with technology. Even we have note-counting machines now.
Chairman	:	Very well Mr. X that will be all. Thank you and best of luck!
Mr. X	:	Thank you very much, Sirs. (Rises up with a smile on his face and walks , confidently out of the interview room)
Comments	:	The candidate has given a very Good account of himself. He possesses all the qualities required for the job of a P.O.  He not only has an aptitude for finances, accounts and banking but also a good knowledge of the prevailing banking scenario in the country. He is well prepared for the occasion and is therefore able to answer the questions with aplomb.  He is selected with high score.