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Bank of Baroda is an Indian state-owned banking and financial services company headquartered in Vadodara in Gujarat, India. It is the second-largest bank in India, next to the State Bank Of India.The information regarding specialist officers or SO exams is released by the bank only. Bank of Baroda or BoB provides the details through the official website. It is conducted every year by the IBPS. The recruitment of the specialist officer takes place in the Middle Management Grade/Scale-III and the Middle Management Grade Scale-II. The conducting agency is the Institute of Banking Personnel Selection or IBPS. It is a government-owned recruitment agency for the bank personnel. It comes under the authority of the Ministry of Finance, Government of India. The aim behind the establishment of the IBPS is to uplift the placement and the job opportunities of the various undergraduates, postgraduates, and Ph.D. holders in the banking sector. The IBPS is responsible for conducting the examinations, the assessment, and the result processing. The given below are some of the important things that the candidates need to keep in mind at the time of Bank of Baroda SO interview and also the details regrading the Bank of Baroda SO Interview 2022.
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Bank Of Baroda SO Interview Tips 2022
The given below are some of the important Bank of Baroda SO interview tips and Bank of Baroda SO interview questions.
1. Dress To Conquer
Dressing appropriately is of immense importance. Your attire determines the kind of first impression you will give your employers. It’s a good idea to wear smart formals to your interview and Casual, un-ironed clothes; unpolished, informal footwear are a complete NO NO!
Tip for women: Women can wear a plain and light-colored cotton saree or salwar kameez with a plain dupatta or a blazer with a light-colored blouse and trousers. Use minimum jewelry and makeup.
Tip for men: Men can go for a plain light-colored shirt and dark-colored trousers and a plain tie. A blazer would be good during the winter season. Make sure your shoes are polished, you are clean-shaven and your hair is neat.
Make sure you dress appropriately and this is important not just for others but also because it also boosts your confidence!
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2. Offer A Firm Handshake
We can’t emphasize this enough!
A lousy handshake can get fetch you a really negative impression and that’s the last thing you want. On the other hand, a firm handshake will get you loads of brownie points.
3. Be In control of That Slouching Back and Fidgety Hands
Sit up straight, don’t ever slouch!
Yes, maintaining a good body posture indicates that you are eager and attentive. And trust us on this one, it goes a long way.
4. Eye Contact!
Maintaining eye contact is indicative of your honesty and confidence. It implicitly makes you trustworthy and indicates that you are comfortable with yourself and know what you are talking about.
Both, are highly desirable traits in a prospective employee.
5. Believe in Yourself
“Whether you think you can, or you think you can’t; either way, you’re right!”
Heard that famous quote by Henry Ford?
Believing that you can do it, is the key to succeeding. So just take a deep breath and go nail that interview! In case, we couldn’t pump you up, we’re sure this extra dose of motivation and self-belief will!
6. Do your research on the bank
Do thorough background research of the bank and the job profile you’re interviewing for. Out of all the questions asked by the interviewer, two to three will be related to their company and the job profile you’re applying for. Visit the bank website before appearing for the interview.
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7. Be polite to the interviewer
Greet the interviewer(s) after entering with a firm handshake and do not sit until you have been asked to take a seat. A ‘Hello’ and ‘How do you do?’ would suffice, and you need not indulge in small talk with the interviewer(s).
8. Thank the interviewer
Last but not the least; do not leave the room without thanking the interviewer(s) for giving you his/her/their time.
We hope that through this article you get to know about the tips for how to attend the interview of Bank of Baroda SO. So keep in mind all these tips and take your steps to this interview. Good Luck with all your success and do well in the interview as well.
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Bank Of Baroda Specialist Officer Interview Questions
1: What does the acronym "ATM" stand for in banking?
The given below are some of the Bank of Baroda SO interview questions that the candidates can refer to as they appear for the Bank of Baroda SO examination 2022.
Brief me about yourself?
Answer: It is the first fundamental question that every interviewer asks a candidate to start the conversation and know about the person. So, always be positive and introduce yourself starting with your name, qualification and all the other required information that is important for an interviewer to know. Just complete it within 2 minutes so that it should not be extended as a boring conversation.
Question 2: Why do you want to join the banking sector?
Answer: In this question, be logical and answer it by telling why banking sectors have influenced people with all the facts and figures, ready as to why the banking sector is the fastest-growing sector. Do not start by telling that you want to have a stable career or some personal view. Just make it well versed which can form a correct opinion of your answer.
Question 3: What are the types of accounts in a bank?
Answer: Be straight forward and start your answer by telling the information which can match the question asked by an Interviewer. The types of accounts in banks are:
- Checking Account: You can access the account as saving account but, unlike saving account, you cannot earn interest on this account. The benefit of opening a checking account in a bank is there is no limit for withdrawal.
- Money Market Account: This account gives both the benefit of savings account and checking accounts. You can withdraw the amount and yet you can earn higher interest on it. This type of account can be opened with a minimum balance.
- Certificate of Deposit Account (CD): By the opening of such account you have to deposit your money for the fixed period like five years or seven years, and you will earn the interest on it. The rate of interest will be decided by the bank, and you cannot withdraw the funds until the fixed period expires.
- Saving Account: You can save your money in such account and also earn interest on it. The number of withdrawal is limited and need to maintain the minimum amount balance in the account to remain active.
Question 4: What are the necessary documents a person requires to open an account in a bank?
Answer: As per the RBI advised banks to follow the Know Your Customer (KYC) guidelines where the bank obtains some personal information of the account holder. The primary document that is needed to open an account are photographs, proof of identity proof like Aadhar card or Pan Card etc., and address proof as well.
Question 5: What are the types of Commercial Banks?
Answer: The types of Commercial Banks are:
- Retail or Consuming Bank: – It is small to the midsize branch that directly deals with consumer’s transaction rather than corporate or other banks.
- Corporate or business banking: – Corporate banking deals with cash management, underwriting, financing and issuing of stocks and bonds.
- Non- traditional Options: – There are many non-banks entities that offer financial services like that of the bank. The entities include credit card companies, credit card report agencies and credit card issuers.
- Securities and Investment Banking: – Investment banking manages portfolios of financial assets, commodity and currency, corporate finance, fixed income, debt and equity writing etc.
Question 6: What is the annual percentage rate (APR)?
Answer: APR is known as the Annual percentage rate. It is a charge or interest that the bank imposes on their customers for using their services like loans, credit cards etc. The interest is calculated annually.
Question 7: What is Amortization and negative amortization?
Answer: Amortization refers to the repayment of the loan by instalment to cover principal amount with interest whereas, negative amortization is when the repayment of the loan is less than the loans accumulated interest, then negative amortization takes places.
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