Important Viva Questions and answers

1. Which Bank account pays little or no interest?
= Current Account.
2. current Account is also known as?
= Cheque Account.
3. What is devaluation?
= Devaluation is a reduction in the value of the currency with respect to other monetary units.
4. Le or L/C stand for?
=- letter of Credit.
5. Letter of Credit is issued by?
= Importer's bank.
6. L/C is a banking instrument used for ?"
= Export-Import.
7. Devaluation is used by a country to --
= Accelerate own export.
8. MOU stands for?
= Memorandum for Understanding.
9. MoU is a legal document agreement describing?
= A bilateral or multilateral agreement.
10. What is Dividend'?
= Dividends are payments made by a company to its shareholders.
11. EVA stands for?
= Economic Value Added.
12. What is EVA?
= EVA is the difference between a company's profit and the cost of its capital.
13. NOPAT stands for?
= Net Operating Profit After Taxes.
14. The smallest component of the money supply is?
= Currency.
15. What is the most essential function of money?
= Exchange.
16. The Capital Market is the financial market?
= Long-term funding.
17. capital Market is supplied by?
= Bonds and equity.
18. T-bills means?
= Treasury bills.
19. Treasury bills mature in?
= One year or less.
20. Who can buy treasury bills?
Commercial Bank.
21. What is 'Call Money?
= call money is the money for which repayment can be demanded without notice.
22. The number of workers who are available for work is called?
= Labor market.
23. E-commerce stands for?
= Electronic commerce.
24. EDI stands for?
= Electronic Data interchange .l
25. MNC stands for?
Multi-National Corporation.
26. MFN stands for?
= Most favored Nation.
27. What is MFN?
= MFN is a country that has the best trade terms.
28. The central authority for tax administration in Bangladesh is
= The National Board of Revenue (NBR )
29. ATM stands for?
= Automated Teller Machine.
30. PIN stands for?
= personal Identification Number.
31. The ATm was invented by?
= Scot Jhon Shepherd -Barron.
32. What is 'Exchange Rate?
= The price of a country's money is the relation to another country's money.
33. MRP stands for?
= Manufacturer's Recommended price / Maximum Retail price.
34. IPO is the term used in?
Stock market.
35. IPO stands for?
= Initial public offering.
36. What is IPO?
= IPO is the first sale of stock by a private company to the public.
37. EFT stands for?
Electronic Funds Transfer.
38. A system of small loans to the impoverished without requiring collateral is known as?
= Micro-credit.
39. The economy of a whole area or a country is called ?"
= Macroeconomy.
40. AGM stands for?
= Annual General Meeting.
41. AIM stands for?
= Alternative Investment Market.
42. What is nationalization?
= the taking over of private industry by the state.
43. MFA stands for?
= Multi-Fibre Arrangement.
44. MFA goes against the
= WTO rules.
45. The direct exchange of goods or services is known as
= Barter.
46. LAFTA stands for?
= Latin American Free Trade Association.
47. HSBC stands for?
= The Hongkong and Shanghai Banking Corporation, based in Hong Kong .,
48. NNP stands for?
= Net National Product.
49. What is NNP?
= NNP is a figure showing the gross national product less investment on capital goods and depreciation.
50. NIEO stands for?
=New International Economic Order.
51. what is Matrix?
= Matrix is the arrangement of data in horizontal and vertical columns.
52. What is 'Tax?
= A tax is a financial charge or other levy imposed on an individual or a legal entity by a state or a functional equivalent of a state.
53. The tax has four main purposes or effects:
= Redistribution, repricing, representation and revenue.
54. the main purpose of taxation is?
= Revenue.
55. what kind of tax income tax?
= Direct tax.
56. VAT also is known as?
= Goods and Services Tax.
57. Who is the banker of the Government of Bangladesh?
= Bangladesh bank.
58. The head of Bangladesh Bank is?
=Governor.
59. The Governor of Bangladesh Bank is?
= Mr.Fazle Kabir ( 11th)
60. Bangladesh Bank took effect on?
=16 December 1971.
61. Bangladesh bank came into existence under?
= The Bangladesh Bank Order 1972.
62. Which bank was transferred to Bangladesh Bank?
= State Bank of Pakistan.
63. Who was the first Governor of Bangladesh Bank?
= ANM Hamidullah.
64. who controls Bangladesh?
= Ministry of Finance.
65. Which Ministry controls the banking sector in Bangladesh?
= Ministry of Finance.
66. One and Two taka note issued by?
= the secretary of Finance.
67. Minimum taxable income in Bangladesh is ?
= 250000 taka.
68. ICB stands for?
= Investment Corporation of Bangladesh.
69. ICB was established?
= On 1 October 1976.
70. BSRS stands for?
= Bangladesh Shilpa Rin Sangstha ( Established on 31 October 1972 ) But now has not existed.
71. BIBM stands for?
= Bangladesh Institute of Bank Management.
72. What kind of institute BIBM is?
= BIBM is a specialized training, research and advanced study center in banking and finance in Bangladesh.
73. BIBM was established on?
= 31 December 1974 ( in Dhaka )

One Bank Limited Special Cadre Officer (SCO) Viva

Organization: One Bank Limited
Post: Special Cadre Officer (SCO)
Place: Bangladesh Institute Of Bank Management
The viva board consists of four persons, three males and one female.
M1: What is your name?
Me: Answered.
M2: Introduce yourself in two minutes.
Me: Answered.
Fe: How was your written exam? How much did you guess to obtain?
Me: By smiling, It was fine. The marks may be around 70-75!!
Fe: Smiled. What is your major in graduation?
Me: It was Marketing in BBA and Banking & Insurance in MBA.
Fe: What is your result in BBA & MBA?
Me: It was 3.34 out of 4.00 in BBA And 3.63 out of 4.00 in MBA.
M3: Not too good result they were! What is bank rate? Existing CRR and SLR in Bangladesh?
Me: A bank rate is the interest rate at which a nation's central bank lends money to domestic banks, often in the form of very short-term loans. CRR and SLR rates remain at current 6.50% and 19.5% respectively
M3: What do you mean by portfolio management?
Me: Portfolio management is the art and science of making decisions about investment mix and policy, matching investments to objectives, asset allocation for individuals and institutions, and balancing risk against performance. (They all claimed that it was bookish language. One of them asked me to deliver answers with examples but I was totally failed!)
M1: How EPS is calculated? How many kinds of shares in capital market?
Me: EPS is calculated by taking a company's net income over the last four quarters, account for any stock splits, and then dividing by the number of shares outstanding. Four Types of shares, they are A,B,N & Z.
M2: What are the major constraints of marketing in Banks?
Me: Told almost 8-10 constraints. But they were not happy!
M1: What are the products of a bank? Mention some of them.
Me: Deposit products, loan products etc. Mentioned some products of one bank ltd.! (I over viewed them through their website before the exam)
M3: Retained earnings means what?
Me: Retained earnings refer to the percentage of net earnings. I was unable to express the answer more widely. The interviewer felt frustrated on me!
Fe: Why have you left marketing as you major subject in MBA?
Me: I have a passion to serve in a bank. That's why I was eager to complete my MBA degree from Banking Department.
The female interviewer was not happy by getting my answer. She felt boring to ask me further questions. After a while she welcomed others to asked me something.
M1: Do you understand fiscal policy,monetary policy?
Me: Fiscal policy is the means by which a government adjusts its spending levels and tax rates to monitor and influence a nation's economy. On the other hand Monetary policy is the macroeconomic policy laid down by the central bank.
M1: Difference between GDP & GNP?
Me: Gross Domestic Product and Gross National Product both try to measure the market value of all goods and services produced for final sale in an economy. The difference is how each term interprets what constitutes the economy. (Smiled quietly because I have nothing more to say!)
M2: Balance of payment and balance of trade means?
Me: Balance of payment means the difference in total value between payments into and out of a country over a period.The balance of trade is the difference between a country's imports and its exports for a given time period.
M3: Last question for you. What are the main criteria to make a business report?
Me: Told some of the criteria. But failed to complete the answer.
M3: Another question please. Have you any idea about project management?
Me: Yes! I have. Project management is the discipline of initiating, planning, executing, controlling, and closing the work of a team to achieve specific goals.
Fe: An informal question for you. Why bank,why not BCS or other jobs?
Me: Answered in my own style. But at that time she was not satisfied at all.
.
After that they have invited me for reading an English Daily which was "Financial Express". Asked some word meanings from the text. I was unable to tell them all the meanings properly. Within five minutes they wished me for the further procedures!
All the interviewers except the female one were too much friendly!
Longest 15 minutes of my life!!

Real Viva: experience

Date: 25/11/2013
Board: 1-(Abul Quasem)Without Chairman/2 Specialist and 1 Ed of BB
Time: arround 8 min.
Ed: What are you doing now?
Cnd: Teaching.
Ed:Where?
Candidate: In a private university.
Ed: Why do you try to leave the job?
Cnd: Actually I have passion about Banking job from my student life so I am trying to get
one ..thats why I am here to give viva.
Ed: If it was your passion about Bank job, why din't you Completed BBA /MBA.
Cnd: Told a story about that time problem !!!!
Ed: Oh I think you are a student of English(without seeing the documents).
Sp1: No, His subject is Zoology,
Ed: no, no you don't seem like, that you told you have a problem.( About family crisis)
Cnd: I have changed my position through hard labour.
Sp1: Why do u think you are fit for Central bank job?
Cand: Said extracurricular activities, Quantitive aptitude,Analytical
ability,Communication skills, Expertise in ICT and so on.
Sp1: Can you tell me the subjects you read in your course.
Cand: Told...
Sp2: What is the functions of Central Bank?
Cand: Gave answers.
sp 1: Your subject has no use in Central Bank.how do you contribute in Banking.
Cnd: I thought about the question in the morning ,when I was coming to BB,
Facing the question By telling logically about 'Green Banking' .
sp 1: What is the other policy of government besides Monetary policy ?
Cand: Taking time , and finally answere randomly,
Sp1: if u don't know just say Sorry.
Sp1: Sir, Do you want to ask more?
ED & Sp2 , No it's ok.
Cand: Tahnk you again, sir, Have a good time with you

Important Term About Bank In Bangladesh

1. Total Bank =64 (State Owned Commercial Banks (SBL, JBL, ABL, RBL, BDBL& Basic): 6 + Specialized Banks (BKB & RAKUB): 2 + Private Commercial Banks (PCBs): 40+ Foreign Commercial Banks (FCBs): 9 + Central Bank BB: 1= 64)

2. Schedule Bank =57

3. Non Schedule bank= 6 (Ansar VDP Unnayan Bank, Karmashangosthan Bank, Grameen Bank, Jubilee Bank, Probashi Kollyan Bank, Palli Sanchay Bank)

4. Islamic Bank = 8

5. Trust Bank

6.Simanto Bank

8. First private commercial bank - AB Bank Ltd.(1982)

9. Islami Bank of Govt - Agrani Bank Limited

10. Ministry of Finance controlled by Bank & NBFI

11. NBFI =34 Last – Alliance Finance Ltd

12. Credit Rating agency - 8

13. CB & NBFI are controlled by BB

14. Bangladesh Bank Order, 1972 (P.O. No. 127 of 1972)

15. The pioneer of BB - Shafiul kader

16. BB Total branch - 10 last -Mymensingh

17. The pioneer of GB & CSR - Dr. Atiur Rahman

18. BB first governor - A N M Hamidulalllah

19. Present governor- Fazle Kabir ( 11th)

20. Governor duration - 4 years

21. Total Note - 9

Bank Note - 6 (10,20,50,100,500,1000)

Govt Note - 3 (1,2 & 5)

22. Bank note Signed by Governor - Fazle kabir

23. Government Note signed by Secretary of Finance - Hedayetullah Al Mamoon

24. Minister of Finance - Abul Maal A Muhith

25. State Minister of Finance - M A Mannan, MP

26.Secretary of Finance - Hedayetullah Al Mamoon

27.Economic Affairs Adviser - Mashiur Rahman

28. First Mobile banking - DBBL

29. First Telebanking - SCBL

30. First Agent banking - Bank Asia (private) & Agrani Bank (govt)

31.First ATM - DBBL

32.First Master Card - SCBL

33. Per capita income _ $1602

34. per capita GDP- $1358

35. GDP growth rate __ 7.24%

36. Expected GDP -7.4%

37. Inflation rate __ 5.57% ( E -5.5% FY -2017-18)

38. Bank rate __5%

39. CRR __6.5%

40. SLR__13% Conventional Banks. 5.5% for Islami Banks

41. call money rate - 3.83%

42. Repo rate - 6.75

43. Reverse repo rate- 4.75

44. FBCCI president - Md. Shafiul Islam (Mohiuddin)

45. BGMEA President - Md. Siddiqur Rahman

46. BKMEA President - A.K.M. Salim Osman, MP

47. IDRA - Insurance development & Regulatory Authority -Chairman - Shafiq Ahmed

48. Total insurance company - 78

49. Foreign operating company - Met life (USA)

TO GET MORE CLICK ON IT

Viva experience Finance & Banking

Post: TAT
Finance & Banking
Duration 7-9 minutes
Introduce Yourself.
Me : Answered
What is commercial profit?
Me: Answered
What is the pubali's main Asset?
Me: Answered
What is the main liability of Pubali bank?
Me: Answered
What is Current ratio?
Me: Answered
What is Quick ratio?
Me: Answered.
How Assest relates to liability
ratio keno kore?
Me: Answered
Distribable profit ki?
Me: Answered not satisfied
.bollo apni tho dividend ar kotha bolcen
bollo taile retain earning ki.
Bangladesher Boro Capital ki?
Ami bolci sir human resources.
sobai haslo.Sir onno sir kk bollo o tho akn o yi capital niye bose ache.
then bollo rajdani ki.
Me: Answered
Then bollo Port Capital city konta?
Me: Answered
IRR ki?
Me: Answered
CPI ki?
Bollam akn mone porce na sir.

Viva experience In marketing Sectors

subject : Marketing
Comilla university
Duration :10-12 m.
Board member:10 up
1.Written kmn hoyese?
-ji sir valo
2. 2 ta math hoyesilo?
-yes sir
2.Introduce yourself in english
-answered
3.Apnr basa to narsingdi comilla university te porasona koresen.. kothai thakten?
-basa niye thaktam koatbari te
4.koyjon meye thakten?
-sir ami married tai akai thaktam
5.Husband ki kore?
-Journalist
6.kon potrikai?
- The daily vorer dhoni
7.kothai seta?
-Madhobdi
8.Apnr major to marketing.. marketing er jonok k?
9.Marketing ki?
10.shopping ki?
11.Marketing & shopping er maje parthokko ki?
12.Brand ki?
13.Branding ki?
14.amn akta brand er nam bolen jeta sbai chine even gramer manusera o chine
15.Bank somporke nischoy porasona hoyese..tahole bolen central bank er karjaboli ki?
16.central bank er core 2 ta kaj er ktha bolen?
*scrutiny question
17.Apnr cgpa to onk valo.akta public university theke 3.73 onk valo akta result apni kno ai post e join korben?
18 onno kotha o exam diyesen?
-no mem atai first chilo
19.MBA ses?
-Running
20.Nitanotoi job ta dorker na hole akto time niye valo post e join koren.I think you deserve better.try for better something.

Vaiva experience on Bank

Date: 12/08/2017
Post: Officer
Time: 7-8 minutes
Sub: Economics
1st examiner: introduce yourself?
Me: Answered
2nd ex: NRB ki?
me: vule nbr er elaboration bole felsi.( non residential bangladeshi)
2nd ex: Nrb theke income kothay ontorvukto hoy?
me: GNP.
2nd: Ata ki kaje use hoy?
me: boidesik lenden er khetre(vule gesilm)
2nd: dese obosthito bideshider income kothay hiseb hoy?
me: GDP te.
2nd ex: current GDP growth rate, inflation rate,per-capital gdp koto?
me: 7.4; 5.5; $1538.( seser ta naki hoyni...! bollam sorry sir,sothik ta mone nei)
2ndঃ per capital GDP kivabe nirnoy kora hoy?
me: answered.
3rd ex: PPP ki? ata kno kora hoise? er uddesso ki sofol hoise? ppp er under a koyekta project bolo?
ne: answered. (not fully satisfied)
2nd: economics er vasay ppp ki?
me: parini.
1st ex: 1 jon American o 1 jon bangladeshi, dujoni 100 dollar income kore. kar kroy khomota besi?
me: bangladeshi r.
2nd ex: ak kothay bolo..monetary policy and fiscal policy kno proyog kora hoy?
me: answered.
1st ex: ak kothay ki hbe?
me: money market k sthitisil rakha.

Viva Experience

Pubali Bank Limited
Post:Trainee Assistant Teller
Date:20/08/17
Sub: Management
Q: Introduce yourself
Q: Define Acid Test
Q:Leadership meaning
Q:Advantage of Autocracy
Q: Disadvantage of Democracy
Q:Chairman of NBR
Q:NBR meaning
Q:SWOT of Pubali Bank
Q:Threats of Pubali Bank
Q:Main function of BB
Q: Explain Monetary Policy.

Pubali Bank(officer)

sub: Chemistry
Board Members- 6/7
time: around 8 mins
almost everybody asked qsns.
me: entered & took seat with permission.
sir: introduce yourself
me: answered in details.
sir: tell me your today's activities till now.
me: answered(memorise kore gecilam tai besi jamelay porte hoy ni)
sir: what is your father?
me:answred but mistake( sir bollo tomra sobai akoi answer dicco kno..
sir: what do u mean by precipitation, coagulation & suspension.
me: answered the first correctly but next twos partly corrected...(answers sune sir bollo may be practical thikmoto koren ni..)
sir: what is the difference betweeb diffusion & osmosis?
me: answered 1 difference then sir told another one.
me: Tell me what is the use of gold number?
me: sorry( oi somoy mone aseni)
sir: what are the condition of cotact process?
me: answerd in details( but sekhaneo onara vul dhorlo, ami nirupayer moro sunlam & ji ji kore gelam)
sir akta qsn korecilo..but bujini clearly..... bollam sorry....
sir: okey, apni aste paren

Bank Viva

(20.08.17)
Subject : Economics
Post: Trainee Assistant Teller
Version : English + Bangla
************************* Assalamualaikum, May I come in, sir?
Board Chairman: Saidur Rahman?
Yes, sir.
Board Chairman: Yes do & be seated.
Thank you sir.
Board Chairman: Please, Introduce yourself.
Thank you sir for giving me a chance to say something to say something about myself. To be honest, I would like to say something about myself. Well, this is Saidur Rahman. My nick name is Limon. and my family name is sheikh. That is Sheikh Saidur Rahman Limon. Actually, I am from Habiganj. I lives in Sylhet. I have completed B.S.S.(honours) degree from M.C.College Sylhet under national University major in Economics. and secured a good feagure. Before that I completed HSC & SSC from Alif Subhan Degree College & Mirpur Foyzunnesa High scholl respectively. I would like to be a banker & build up my career.Bcoz my subject is related to Banking sector. So, I think I will be able to do my best in this sector.
Board Chairman: Good. Economics?
Yes, sir.
Board Chairman: What is ECNEC?
Executive Committee of National Economic Council.
Board Chairman: Are u sure?
yes, sir.
Good. What is the function s of ECNEC?
To consider & approve government's investment project.
2nd Examiner: NEC কী?
National Economic Council.
Board Chairman: What's is the functions of Bangladesh Bank?
Directing & controlling money market.
Acting as a banker of other banks.
Approving new banks.
Board Chairman: Thank you. Best of luck. You may go.
thank you sir.
Board Chairman: Do you have any froged documents?
No, sir.
Board Chairman: Are you sure?
Yes sir.
100% sure?
yes sir.
Board Chairman: hahahahaha...
thank you Saidur Rahma

Islami Bank Viva On Probationary Officer

Islami Bank Viva On Probationary Officer

Candidate: Assalamu Alaikum. May I come in Sir?
Board: Yes,come in. Sit down please.
Candidate : Thanks.
Board: Are you..............?
Candidate : Yes, this is.
Board: What is your educational background?
Candidate : I passed SSC, HSC, B.A(Hons') in English and M.A. I also passed Fadil B.A & Kamil Masters from Islamic University.
Board : What are you doing now?
Candidate: I got IDB BISEW IT Scholarship and continued.
Board: Why do you want to serve in IBBL?
Candidate : It is my cherished desire to get a job in IBBL from student life.
Board: Tell about IBBL.
Candidate : Islami Bank based on Islamic sharia'h aims to establish a welfare oriented banking even to the mass people.
Board: Do you know Amanat?
Candidate : Money or property that is collected from others and it is returned to the same.
Board : What is different between interest and profit?
Candidate: !...!......................!
Board: How many schedule banks in Bangladesh?
Candidate :...........!.............!
Board: What is fiscal year and monetary policy?
Candidate :..........!...............!
Board: How is Islami Bank different from Sonali Bank?
Candidate : ....!..............!
Board: Tell the name of national leader of Bangladesh.
Candidate :.........!..........!
Board : Thank. You may go.
Candidate : Thanks to all too. Assalamu Alikum.