Bank officer viva questions
For probationary, management trainee and officer posts in private and state-owned banks. Boards mix banking basics, current affairs and questions about you.
About you
1Tell us about yourself.
What they want to know: Whether you can sum up who you are and why you fit, in a minute.
How to answer: Present, past, future: what you do now, one or two things you did that matter for this job, and why you want it.
2Why do you want this job?
What they want to know: Whether you know what the job is and chose it on purpose.
How to answer: Name two things about the role or the organisation that match what you are good at. Avoid salary and security as your main reason.
3What are your strengths and weaknesses?
What they want to know: Self-awareness, and honesty.
How to answer: Give a strength with a short example. For a weakness, pick a real one that does not break the job, and say what you do about it.
Banking basics
4What is the role of Bangladesh Bank?
What they want to know: Whether you know who regulates the bank you want to join.
How to answer: Monetary policy, regulating banks, issuing currency, managing reserves. Keep it to the main roles.
5What is the difference between a current account and a savings account?
What they want to know: Basic product knowledge.
How to answer: Who uses each, interest, withdrawals. A simple example helps.
6What is KYC and why does it matter?
What they want to know: Compliance awareness: every officer deals with it.
How to answer: Know Your Customer: verifying who a customer is, to stop fraud and money laundering. Mention the documents it uses.
7What is a non-performing loan?
What they want to know: Whether you understand credit risk.
How to answer: A loan that stops being repaid for a set period. Say why it hurts a bank: lost income and provisions.
8What is an LC (letter of credit)?
What they want to know: Trade finance is a big part of banking in Bangladesh.
How to answer: A bank's promise to pay an exporter once the right documents are shown. Mention import and export.
Situations
9A customer is angry about a delay. What do you do?
What they want to know: Service attitude under pressure.
How to answer: Listen, apologise for the trouble, explain what you will do and by when, then follow up.
10You notice a colleague breaking a rule. What do you do?
What they want to know: Integrity.
How to answer: Say you would raise it the proper way, with your manager or compliance, and not cover it up.
Reading is not practising.
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