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BankPOQuestions,Bank PO,Interview,Syndicate Bank,PO Interview Questions

BankPOQuestions,Bank PO,Interview,Syndicate Bank,PO Interview Questions

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Published by: dhiraj_paswan on Sep 21, 2009
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05/11/2014

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1. Y u want to come to public sector when private sector is paying yougood amount???2. general economic topics3. try to gain more knowledge reg. banking..like wat do u meanby CRR, liquidity, reserves, cash ratio..apart from this topics like Inflation,GDP,contribution ofagriculture sector to GDP, percapita income..4. 1. Technical (UG, PG if applicable and computer literatequestions)2. HR questions3. Questions to check the knowledge in banking domain4. Questions about your current job (could be technical too)5. General knowledge and current affairs5. mainly about present job nature, personaldetails,local information regarding tourist places andpolitics and finaly current affairs which covers recentincidents in india or world.6. international relations,economical status aboutdifferent countries and some it related question likenetworking,system fundamental and etc7. what is bankingwho is syndicate bankwhat is the responsibilities of provesionary officerwhat is recession. and why india is afftected by this finacial crisis.The panel consists 3 members.1) u have very good % then y want to join in banking sector2) Ur current job profile3) about syndicate bank(no of branches)4) wt r the banking operations5)abot credit card & debt card6)for howmuch money v have to pay income tax(how it iscalculated)7)some general qs(mention the states which have arabian seashore)8)mention the states having lady cm9)they check ur confidence n communication skills10)they touch current affairs alsowt u need is b confident n guide ur self in the interviewn b cool1.tell me about yourself2.Project done in PG3.Current job nature and take home salary4.Famous places to visit in ur native place5.What is the price of the potato(they are checking yourresponse)
 
BankingDefinition:
Banking is one of the key drivers of the Indian economy. Banking provides a safe place to save excess cash, known as deposits. It also supplies liquidity to the economy by loaning this money out to help businesses grow and to allow consumers to purchase homes, cars andconsumer products. Banks primarily make money by charging higher interest rates on their loansthan they pay for deposits.TheCentralBank Of India is the nation's central bank. As such, it creates the supply of money  by lending it to the banking system, requiring the level of reserves banks must keep on hand, and by regulating the banks charge.
 There are several types of banks. Commercial banks are the most common, andinclude global banks such asBank of Americaand Citigroup. Community banks aresmaller and focus on local service. Online banks operate over the Internet.Savings and loanstarget mortgages. Credit unions are usually restricted toemployees of companies or schools.Shariah bankingwas developed to conform tothe Islamic prohibition against interest rates.In recent years, banking has become very complicated as banks have ventured intosophisticated investment and insurance products The economy could not function without banking.
"Liquidity"
Definition:
Liquidity is a financial term that means the amount of capital, or money, that isavailable for investment.High liquidity means there is a lot of money because interest rates are low, and so capital iseasily available. However, a liquidity glut can develop if there is really too much money lookingfor too few investments. This is usually a precursor to arecession, as more of this capital becomes invested in bad ventures. As the ventures go defunct and don't pay out their promisedreturn, investors are left holding worthless assets. Often a panic can ensue, resulting in awithdrawal of investment money. This is what happened during the2007 Banking LiquidityCrisis.Constrained liquidity means that there is not a lot of money around, and that banks and other lenders are hesitant about making loans. It is usually a result of high interest rates.
Also Known As:
money supply, M1, M2, M3, capital
 
Examples:
Low Treasury bond yields have contributed to liquidity in the U.S. economy
Question:
What is a Recession?
Answer:
A recession is when GDP growth slows, businesses stop expanding, employment falls,unemployment rises, and housing prices decline. For those reasons, many experts say the U.S. isactually in a recession now:
Businesses are expanding more slowly,
Housing prices are down 10%. Many experts state that it is only an economic recession whenGDP growthis negative for twoconsecutive quarters or more. However, for all practical purposes a recession starts when thereare several quarters of slowing but still positive growth. Often a quarter of negative growth willoccur, following by positive growth for several quarters, and then another quarter of negativegrowth.A good example was thestock market crashand subsequent economic downturn in 2000. Thiswas not a recession in technical terms because GDP growth was negative in Q3 2000, Q1 2001,and Q3 2001, none of which were consecutive. However, anyone who lived through it knowsthat it felt like a recession during all that time. And in fact, GDP growth did not reach over 3%until Q3 2003.About the only good thing about a recession is that it will cureinflation. The balancing actthe Federal Reservemust pursue is to slow economic growth enough to prevent inflation withouttriggering a recession. Currently, it must do this without the help of fiscal policy, which isgenerally trying to stimulate the economy as much as possible through lowering taxes, spendingon social programs and ignoringcurrent account deficits.
Question:
What is a Depression?
Answer:
A depression is a severe economic downturn that lasts several years. Fortunately, theU.S. economy has not experienced a depression sinceThe Great Depression of 1929,which lasted ten years. The GDP growth rates were of a magnitude not seen since:1.1930 -8.6%2.1931 -6.4%3.1932 -13%4.1933 -1.3%.5.During the Depression, unemployment was 25% and wages (for those who still had jobs)fell 42%. Total U.S. economic output fell from $103 to $55 billion and world trade plummeted 65% as measured in dollars.
6.
The Depression was aggravated by poor monetary policy.Instead of pumping money into the economy, and increasing the money supply, theFederal Reserveallowed the money

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