RSTC – VISAKHAPATNAM INTERVIEW MATERIAL IMPRESSING INTERVIEWER: - Plan ahead and arrive on time. Late arrival for an interview is never excusable. - Turn your cellphone off or to silent before you arrive. - Greet the interviewer(s) formally until he/she indicates otherwise. - Shake hands firmly, looking the interviewer(s) in the eye. - Wait until you are offered a chair before sitting. Once seated, sit upright, be alert, friendly and interested. Do not fidget. Be a good listener as well as a good talker.. - Well dressed. - Always try to be with smiling face. - Avoid Bad posture. - Justification for choosing promotion. - Willingness to work any place. INAPPROPRIATE INTERVIEW DRESS FOR MEN: - Jeans or anything made of denim - Loose shirt neckline or top button undone - Pants with no belt - Long hair - Ties too long or short - Earring(s) - Rolled up shirt sleeves - Sports watch - Half-grown beard or moustache ETC. INAPPROPRIATE INTERVIEW DRESS FOR WOMEN: - Jeans or anything made of denim - Sleeveless tops and dresses - Bare shoulders - Low cut necklines - Shorts – Mini Skirts - Sequins and shiny fabrics - Long untied/unkempt hair - T-shirts or transparent fabrics - Too much perfume - Oversized dangling earrings or excessive jewellery REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 1 SRK THINGS TO AVOID: - Poor personal appearance - Inability to express ideas clearly, poor poise, grammar and diction - Lack of purpose or goals - Lack of interest and enthusiasm - Lack of confidence, excessive nervousness - Failure to look interviewer in the eye - Limp, fishy handshake INTERVIEW TIPS: - Listen to the Question properly, if you have not understand the question ask to repeat with politely and say sorry. - Tell most important points and do not give chance for chain questions. - Reserve some of the points in case of need. - Give direct answers always. - Body language is most important. Sit comfortably. - If you don’t know the answers, just say “sorry I do not know” but don’t take much time for saying I do not know. - Argument type questions try to give positive answers with justifying. COMMON QUESTIONS: 1. Tell about yourself. 2. Consider yourself to fit for the post. 3. Nature of present work / department etc. 4. What is your strength / weaknesses – focus on your strength only. Weakeness just smile. 5. What is your goal / ambitions. Tell your short term and long term goal. 6. How you would do well by taking promotion. 7. Team Management / coordinating the staff. 8. Your name related or place related questions. WORK / JOB RELATED QUESTIONS: 1. Your present Nature of work. 2. Credit related questions. - Assessment of limits. - Prudential norms. - Sarfaesi act related. - NPA – norms, deemed NPA, REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 2 SRK - Retail lending schemes – HL, CanaraTrade, Canara Mortgage, Vehicle etc. - MSME –Unnati, Vijetha, Athidhi, VAHAN, Caravan, Contractor scheme, Doctor’s choice, CAP etc and CGTMSE, takeover norms. - If you have worked in Forex – forex related. PC, PCFC etc. - Priority Sector lending. - Agriculture related products, KCCS etc. 3. Current Affairs – Read interview date news paper and previous day news paper important headlines. 4. Names of Top Executives of our Bank. COMMANDMENTS FOR FACING INTERVIEW LEVEL OF CONFIDENCE: - Have confidence, do not dominate or argue. - Be comfortable in your posture, rather than sitting on the edge of the chair. - Be polite and positive, but do away with extreme politeness. - Give your answers rationally and reasonably. CLARITY OF THOUGHT: - Be clear before answering. Keep your cool. - Do not get provoked by irritating questions - may be they are watching your patience. COMMUNICATING ABILITY: - Interviewer shall test your ability to listen. - Whether are you able to express yourself. - BE PRECISE and reply to the point. LEVEL OF KNOWLEDGE: - You should be fully aware about your work area as well as the latest developments in the country / the world . ODY POSTURE & GESTURES: - Enter the room elegantly. - sit in the chair with permission, develop eye-contact exhibit confidence TEN THINGS THAT AN INTERVIEWER LOOKS IN YOU! 1. Family Background 2. Education 3. Experience 4. Stability 5. Initiative 6. General Ability 7. Interpersonal Skills REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 3 SRK 8. Confidence 9. Attitude 10. Pleasant Looks KEY INDICATORS BANK RATE 6.28% CRR 4% SLR 19.50% REPO RATE 6.00% REVERSE REPO 5.75% Marginal Standing Facility 6.25% MCLR w.e.f. 07-03-2018 OVERNIGHT MCLR 7.95% ONE MONTH MCLR 8.00% THREE MONTH MCLR 8.20% SIX MONTH MCLR 8.30% ONE YEAR MCLR 8.40% BASE RATE W.E.F.07-01-2018 9.15% SB Rate 3.5 % for Balance o/s upto Rs 50 lakhs and 4.00% for Balance o/s above Rs 50 lakhs. Corporate Vision: To emerge as a world class Bank with Best Practices in the realms of Asset Portfolio, Customer Orientation, Product Innovation, Profitability & enhanced value for Stake Holders. Our Corporate Mission: To provide quality banking services with enhanced customer orientation, high value creation for stakeholders and to continue as a responsive corporate social citizen by effectively blending commercial pursuits with social banking. Executive Profile: Board of Directors: The Bank's policies and business are governed by Board of Directors consisting of following members: ➢ Shri T.N.Manoharan – Chairman ➢ Shri Rakesh Sharma – Managing Director & Chief Excutive Officer. ➢ Shmt P V Bharathi – ED ➢ Shri M V Rao – E D REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 4 SRK ➢ Shri Debashish Mukherjee – ED ➢ Shri Suchindra Mishra – Director representing Government of India ➢ Smt Uma Shankar - Director representing Reserve Bank of India ➢ Shri. Krishna Murthy H - Shareholder Director ➢ Shri Venkatachalam Ramakrishna Iyer – Shareholder Director 1.RBI Governer - Shri URJIT PATEL 2.IBA Chairman – Shmt Usha Ananthasubrahmanian. Details of Various wings at Head Office: 1. Human Resource Wing 2. Vigilance Wing 3. Compliance Department 4. Prime Corporate Credit Wing 5. Risk Management Wing 6. Risk Based Supervision and MIS Wing. 7. Priority Credit & Financial Inclusion Wing 8. Recovery Legal & Fraud Prevention Wing 9. Corporate Credit Wing 1 10. Inspection Wing 11. Retail Assets Wing 12. Credit Administration & Monitoring Wing 13. Strategic Planning & Development Wing 14. Corporate Credit Wing 2 15. General Administration Wing 16. Department of Information Technology Wing 17. Financial Management and Subsidiaries Wing 18. Digital Banking Service Wing. 19. International Operations and Corporate Credit Relations Wing 20. MSME Wing 21. Staff Training College. 22. Marketing & Retail Resources Wing CIRCLE OFFICES 21 AND REGIONAL OFFICE 118 REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 5 SRK Subsidiaries: 1. Canara Robeco Asset management Company Ltd 2. Canbank Venture Capital Fund Ltd 3. Canfin Homes Ltd 4. Canbank Factors Ltd 5. Canbank Computer Services Ltd 6. GILT Securities Trading Corpn Ltd 7. Commercial Bank of India LLC 8. Canara HSBC Oriental Bank Of Commerce Life Insurance Company Ltd 9. Canbank Financial Services Ltd (CANFINA) 10. Regional Rural Banks sponsored by the Bank Joint venture Bank: COMMERICAL BANK OF INDIA LLC - (CBIL) @ Moscow with State Bank of India on 60:40 basis. STAFF STRENGTH AS ON 31-12-2017. SCALE TOTAL CHIEF GENERAL MANAGER / GENERAL MANAGER 43 DEPUTY GENERAL MANAGER 122 ASSISTANT GENERAL MANAGER 374 DIVISIONAL / CHIEF MANAGER 1211 SENIOR MANAGER 2663 MANAGER 5943 OFFICER 18689 SPECIAL ASSISTANT 461 CLERK 21369 SUB-STAFF 8564 PART TIME EMPLOYEE 2 GRAND TOTAL 59441 REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 6 SRK Global Business Target for MARCH, 2018 - 900000 lakh cr December, 2017 - 8.77 lakh cr % of CASA Deposits - 33.83% Total Branches - 6179 PLEASE GO THROUGH WORKBOOK OF YOUR BRANCH AND NOTE - Date of opening of branch - Important Depositors/Borrowal Clients - Targets for Deposits, Advances, NPA, Productivity - Staff Strength - Profit before HO Int. , After HO Int., Cost , Yield. - Major Business of branch - Inspection Gradation - Section/Work being attended by you at present. - Low Cost Deposits DEPOSIT RATE OF INTEREST CIRCULAR : 64/2018 R O I : 6.50% for one year. BANK GOALS: Continued thrust on Retail Business & Asset Quality – CASA & Retail deposit, retail credit, fee income, containing NPA, Resolution of large NPA Accounts, recovery & Upgradation And improving operational financial rations, such as NIM, ROA, ROE and cost to income. GENERAL MATTERS PRADHAN MANTRI MUDRA YOJANA (PMMY): • SHISHU : COVERING LOANS UPTO RS. 50,000/- • KISHOR : COVERING LOANS ABOVE RS. 50,000/- AND UP TO RS.5.00 LAKH • TARUN : COVERING LOANS ABOVE RS.5.00 LAKH AND UP TO RS.10.00 LAKH INDRADHANUSH Plan for Revamp of Public Sector Bank 1. Appointments REGIONAL STAFF TRAINING COLLEGE, VISAKHAPATNAM. 7 SRK 2. Bank Board Bureau 3. Capitalisation 4. De-stressing PSBs 5. Empowerment 6. Framework of Accountability 7. Governance Reforms For improving PSBs. Govt have made the announcement of capital allocation for PSBs in the next four years. Out of the total requirement, the Government of India proposes to make available Rs.70,000 crores out of budgetary allocations for four years as per the figures given below: (i) Financial Year 2015 -16 - Rs.25,000 crore (ii) Financial Year 2016-17 - Rs.25,000 crore (iii) Financial Year 2017-18 - Rs.10,000 crore (iv) Financial Year 2018-19 - Rs.10,000 crore Total - Rs.70,000 crore Canara Bank 947 crores. LIBERALISED REMITTANCE SCHEME Authorised Dealers may freely allow remittances by resident individuals up to USD 2,50,000 per financial year (April-March) for any permitted current or capital account transactions or a combination of both. I-LEAD I lead is a Lead Management system. Available for all Bank Staff at branches, admin units etc. It’s a Android Based App for smarphone users, Desktop login also available and it develop sales culture in all staff. IMPORTANT TERMS HELICOPTER MONEY: Helicopter money has been proposed as an alternative to Quantitative Easing (QE) when interest rates are close to zero and the economy remains weak or enters recession. Economists have used the term 'helicopter money' to refer to two very different policies .