Bank PO

Bank PO & Clerk coaching program is a scientifically designed result oriented program. Which not only assists you in grasping the basic core concepts but also focuses on increasing your speed using the shortcut methods and accuracy. Instead of mugging formulas we want you to understand the concept and follow the simplest possible approach to solve the problems.

Career in Bank

The banks conduct exams for the following cadres:
1. Bank Probationary Officers (PO)
2. Bank Clerks or Probationary Clerks
3. Bank Specialist Officers (SO)

Career as a Bank Probationary Officer (PO):

A Probationary Officer’s post is the entry to the managerial positions in the banking industry. A Probationary Officer’s starts as a trainee officer in the Junior Management Grade Service of the bank and can rise to the highest grades of the bank in his career becoming a General Manager, a Director or even the Chairman of the Bank.

Career as a Bank Clerk :

A young person joining a bank as a clerk-cum-cashier in the clerical cadre of the bank. A bank clerk enjoys job security, challenging work environment, opportunity to strengthen customer relation skills and working to learn under worthy senior officers. A bank clerk is trained at the Bank’s Staff Training Colleges and given opportunity through departmental exams of the bank to rise to the higher levels of management in the bank.

Career as a Bank Specialist Officer (SO):

Banks also conduct recruitment exams for Specialist Officers cadre to man their finance, legal, human resources, marketing, systems and other departments which are open to candidates having requisite professional qualifications in engineering, chartered accountancy, law or a degree in MBA, MCA,…. etc.

Types of Bank Exams:

Generally, the bank examinations are of the following types :
» Common Written Examinations (CWE’s) conducted by the Institute of Banking Personnel Selection (IBPS) as a prerequisite for the selection of personnel for Probationary Officer / Management Trainee / Clerk / Specialist Officer posts in 20 Public Sector banks and for Officers and Office Assistants in 82 Regional Rural Banks (RRB)
» Exam conducted by SBI and SBI Associate banks for recruitment to the posts of clerks and officers

Eligibility Criteria:

Eligibility Criteria – Bank Probationary Officers (PO) Exams

EXAM Age Limit Educational Qualifications
IBPS CWE (PO/MT) for PSBs 20-30 Years Degree in any discipline from a recognised university or any equivalent qualification
IBPS CWE (Officers) for RRBs Officer Scale III – 21-40 yrs. Officer Scale II – 21-32 yrs. Officer Scale I – 18-28 yrs. Degree in any discipline for General Banking Officers (50% for Scale II &III) & Degree / PG in a relevant subject for Specialist Officers as given in the notification. Experience also required for some posts
SBI/SBI Associate Banks PO 21-30 Years Graduation in any discipline from a recognised university / college

Eligibility Criteria – Bank Clerks Exams

EXAM Age Limit Educational Qualifications
IBPS CWE (Clerks) for PSBs 20-28 Years Degree in any discipline from a recognised university or any equivalent qualification
IBPS CWE (Office Assistants) for RRBs 18-28 Years Degree in any discipline from a recognised university or its equivalent. Proficiency in local language is mandatory
SBI/SBI Associate Banks Clerks 20-28 Years Degree in any discipline from a recorgnised university or any equivalent qualification

Relaxation in age for reserved categories as per rules.
As every bank is free to decide the eligibility criteria for its officers or clerks, the candidates must read the notification carefully and ensure their eligibility before making an application.

Patterns of Bank Exams:

Both P.O. and clerical recruitments comprise at least two stages of exams, viz. a written test, and an interview. The written test normally comprises an objective type test and a descriptive test (for PO exams like SBI, NICL, RBI etc.). There is no descriptive test for clerical exams. The interview is normally a personal interview or sometimes, a combination of group discussion and personal interview.

Bank PO/Clerical Exams: Almost all bank exams have gone the online mode from the traditional pen-paper mode. The test areas in the objective type test of PO/Clerical exams include tests from amongst Reasoning, Quantitative Aptitude, General Awareness, English language, Marketing Aptitude and Computer Knowledge. The Descriptive Writing Test (for PO exams like SBI, NICL, RBI etc.). is to check the proficiency of the student in English Language. It would consist of a test on English Composition comprising Letter Writing, Essay Writing, Precis Writing etc

(i) Pattern of IBPS PO/MT CWE (Online Exam) :

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 50 50
2 English Language 40 40
3 Quantitative Aptitude 50 50 2 hours
4 General Awareness ( with special reference to Banking Industry) 40 40
5 Computer Knowledge 20 20
TOTAL 200 200

(ii) Pattern of IBPS Clerical CWE (Online Exam):

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 English Language 40 40
3 Numerical Ability 40 40 2 hours
4 General Awareness ( with special reference to Banking Industry) 40 40
5 Computer Knowledge 40 40
TOTAL 200 200

– The above tests, except the Test of English Language will be available bilingually, i.e.English and Hindi.
– There is no Descriptive Writing Test for IBPS CWE for PO/MT
(a) Negative Marking: 1/4th or 0.25 marks assigned to the question will be deducted.
(b) Cutoff Score: Each candidate will have to secure a minimum standard score in each of the tests as well as on the Total Weighted Standard Score to be called for interview
(c) Interview: Shortlisted candidates will subsequently be called for an Interview to be conducted by the Participating Organisations (coordinated by IBPS). Interviews will be conducted at select centres.
(d) Interview Marks: The total marks allotted for Interview are 100. The minimum qualifying marks in interview is 40% (35% for SC/ST/OBC/PWD candidates).The weightage (ratio) of marks of CWE and interview will be 80:20.
(e) Final Selection : The combined final scores of candidates shall be arrived at on the basis of scores obtained by the candidates in CWE and Interview. A candidate should qualify both in the CWE and interview to be shortlisted for subsequent allotment process. The weightage (ratio) of marks of CWE and interview will be 80:20.

Pattern of SBI / SBI Associate Banks Exams:

The SBI and Associate Banks of SBI conduct separate written test for the selection process of PO and do not consider the IBPS score.

(i) SBI/SBI Associate Banks PO Exam (Online Exam):

The written test for recruitment of PO in SBI / SBI Associate Banks consists of onlineObjective Paper and Descriptive Paper (Pen-paper mode)

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 50 50
2 English Language 50 50
3 Data Analysis & Interpretation 50 50 2 hours
4 General Awareness, Marketing, Computer Knowledge 50 50
TOTAL 200 200

(a) Descriptive Paper : The online Objective Test is followed by a Descriptive Test(pen-paper mode. The Descriptive apper comprises of Essay, Precis, Letter Writing, Comprehension, Paragraph Writing etc. The duuration is of 60 minutes and the maximum marks is 50.
The candidates are required to qualify in the Descriptive Test by securing passing marks, to be decided by the Bank.
Descriptive Test paper of only those candidates will be evaluated who have scored qualifying marks in the Objective Tests and are Placed adequately high as per total marks in objective test.
(b) Negative Marking : There will be penalty for wrong answers marked in the Objective Test.
(c) Final Selection : This will be made based on the performance in the written test, Group Discussion and Interview taken together. The weightage (ratio) of marks of written test and interview will be 75:25.

(ii) SBI / SBI Associate Banks Clerical Exam (Online Exam):

The SBI and Associate Banks of SBI conduct separate written test for the selection process for Clerks and will not consider the CWE score.

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 English Language 40 40
3 Quantitative Aptitude 40 40 2 hours 15 minutes
4 General Awareness 40 40
5 Marketing & Computer knowledge 40 40
TOTAL 200 200

Final Selection will be made based on the performance in the written test and Interview taken together.

Pattern of IBPS CWEs for RRBs:

(i) Exam pattern of CWE for Office Assistant :

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 Numerical Ability 40 40
3 General Awareness 40 40 2 hours 30 minutes
4 English Language 40 40
5 Computer Knowledge 40 40
TOTAL 200 200

(ii) Exam pattern of CWE for Officers (Scale I, Scale II (GBO) and Scale III ):

Note A – Quant for Scale -I and Quant & DI for Scale –II (GBO) and Scale -III
Note B – General Awareness for Scale -I and Financial Awareness for Scale –II (GBO) and Scale -III

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 Quant / Quant & DI 40 40
3 General Awareness / Financial Awareness 40 40 2 hours 30 minutes
4 English Language 40 40
5 Computer Knowledge 40 40
TOTAL 200 200

(iii) Exam pattern of CWE for Officers (Scale II – Specialist Officer) :

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 Quant & DI 40 40
3 Financial Awareness 40 40 2 hours 30 minutes
4 English Language 40 40
5 Computer Knowledge 40 20
6 Professional Knowledge 40 20
TOTAL 240 200

Pattern of RBI Officer & Assistant Exams:

Selection will be through Examinations and Interview. Examinations will be held in two phases [Phase-I ON-LINE Examination (Objective Type) and Phase-II Written Examination (Descriptive type)

Phase I – Objective Test [Online exam]:

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 60 60
2 English Language 30 30 2 hours 10 minutes
3 Quantitative Aptitude 30 30
4 General Awareness 80 80
TOTAL 200 200

Cut off marks : Candidates have to secure minimum marks separately for each test as well as aggregate. Candidates, who secure minimum marks separately for each Test will be shortlisted for Phase-II of the Examination based on the aggregate marks obtained in the Objective Test.

Phase II -Written Examination [Descriptive Paper:

The Phase II Examination consists of three Descriptive Type papers as explained below. Papers II and III of Phase-II can be answered either wholly in Hindi or in English at the candidate’s option

S.No Name of Objective Test Max Marks Total Time
1 Paper I – English (Essay, Precis Writing, Comprehension, Business / Office correspondence) 100
2 Paper II – Economic & Social issues 100 3 hours
3 Paper III – Finance & Management 100
TOTAL 300

Pattern of RBI Assistants Exam (Online Exam):

Selection will be through Online Examination and Interview.

S.No Name of Objective Test No of Questions (As per 2014 pattern) Max Marks Total Time
1 Reasoning 40 40
2 English Language 40 40
3 Numerical Ability 40 40 2 hours
4 General Awareness 40 40
5 Computer Knowledge 40 40
TOTAL 200 200

(i) A candidate has to qualify in each part of the Objective test separately.
(ii) Negative marks : 1/4th marks will be deducted for each wrong answer.
(iii) Final selection will be on the basis of candidate’s performance in the written examination and interview taken together in order of merit.

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