SBI CBO General Banking Interview Questions | Essential Preparation Guide 2026

Introduction and Welcome

Opening Remarks

• The host, Vaibhav Srivastava, welcomes viewers to the session on Hatta 247.

• Encourages new subscribers to join the channel for live notifications about classes.

Overview of Banking Awareness Topics

Upcoming Classes

• Discussion on general banking questions that will be covered in upcoming classes starting soon.

• Mention of a live batch for CBO (Circle Based Officer), including one-on-one mock interviews.

Structure of Banking Interview Questions

Breakdown of Interview Topics

• SBI CBO interview questions are categorized into three parts: daily banking operations, credit and loans, and core banking concepts.

• Approximately 60-70% of interview questions relate to the candidate's background and profile.

Daily Banking Operations Insights

Key Concepts in Daily Banking

• KYC (Know Your Customer): Importance and methods discussed as essential topics in daily banking operations.

• Candidates should be prepared to explain why KYC is mandatory under the Prevention of Money Laundering Act (PMLA).

Payment Systems Explained

Differences Between Payment Methods

• Clarification on NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), and IMPS (Immediate Payment Service).

• Candidates should know key differences between these systems, including their operational years and transaction limits.

Understanding Civil Scores

Credit Information Insights

• Explanation of civil scores: maximum score is 900; minimum acceptable score for good interest rates is 750.

PSL and Agricultural Financing

Focus on Rural Banking

• Discussion on PSL (Priority Sector Lending), its importance in rural postings, and recent changes related to KCC (Kisan Credit Card).

Types of Bank Accounts

Account Classifications

• Definitions provided for dormant accounts versus inactive accounts, with emphasis on regulatory timelines regarding unclaimed deposits.

Core Banking and Financial Concepts

Understanding CRR and SLR

• Discusses the difference between Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR), emphasizing their importance in banking operations.

Importance of Awareness in Banking

• Highlights a candidate's need to be aware of current interest rates for Fixed Deposits (FD) and Recurring Deposits (RD), as banks often ask about these during interviews.

Financial Inclusion Schemes

• Explains the significance of financial inclusion, mentioning specific schemes like PM Svanidhi for street vendors and PM Jan Dhan Yojana which provides free debit cards. Candidates should be prepared to discuss such schemes.

Current Affairs Knowledge

• Stresses the necessity for candidates to stay updated on current affairs, including events like G7 meetings, and to read newspapers regularly for relevant information that may come up in interviews.

Interview Preparation Strategies

• Advises candidates on how to approach hypothetical questions during interviews, particularly regarding corporate loans and Kisan Credit Cards (KCC). Emphasizes using phrases like "in my opinion" when discussing strategies.

Class Structure and Scheduling

Class Timing Adjustments

• Mentions adjustments in class timings due to scheduling conflicts, aiming for morning sessions so students can attend classes before heading to work. This is crucial for effective learning without disrupting daily routines.

Enrollment Information

• Provides details on how candidates can enroll in interview preparation batches using a specific code (Y307), ensuring they understand the process clearly to avoid confusion later on.

Mock Interviews Setup

• Describes the structure of mock interviews that will follow classes, allowing students to clarify doubts immediately after practice sessions with panel members who will provide feedback. Each mock session is expected to last around 20 minutes.

Addressing Concerns About Job Fitness

Overweight Concerns in Job Applications

• Addresses concerns from candidates about being perceived as unfit due to weight issues, reassuring them that physical appearance does not determine job eligibility or capability within banking roles. Emphasizes that qualifications are prioritized over personal attributes like weight.

Clarifying Misconceptions

• Dispels myths surrounding hiring practices by explaining that banks look for qualified individuals regardless of physical appearance; this includes those who have been handling products successfully over time without bias against their looks or health status.

This structured summary captures key insights from the transcript while providing timestamps for easy reference back to specific discussions within the content.