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CAREER PROSPECTS IN BANKS

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What is the job Profile of a Probationary Officer in a Bank:

 

A Bank Probationary Officer (PO) in the bank is the first level appointment for bank officers and the promotional prospects are quite good with the work as it defining the limit for the candidate's success(one can reach position as high as CMD of Bank, even lucky one can become Dy. GOVERNOR, RBI also).
Job profile of PO (Probationary Officer) is General Banking, administration work and any other work assigned by the Bank from time to time. He is a supervisor and has to check work carried out by clerks.
In Public Sector Banks, A Bank PO can be asked to do anything till the completion of its probation period. After the confirmation he/she can give tasks having routine work like posting, scrolling or advances or anything that is related to banking.
He/she generally assigned to various responsibilities, as directed by Branch Manager or his/her boss in administrative office . They are trained for accounting, marketing, finance, investment as well as billing.
The Bank PO also work on increasing other aspects of the bank's business such as the loan department, the the mortgage and finance divisions of the bank. Handling customer complaints and issues is also the responsibility of the Bank PO. Often this means dealing with complaints over issues such as charges, discrepancies in accounts, or even in complaints with service at the bank. Good communication skills and an ability to resolve conflicts calmly is essential for a Bank PO .
Bank PO joins the bank as Asst manager after the end of probation period . Initially he/she may be posted in a branch where he/she will handle daily customer transaction like passing a cheque, cash management, Draft issuance etc. After certain experience and depending upon skill/aptitude, the person would be given an opportunity to work in other areas like planning, marketing, budgeting, processing of loan , investment management etc.

What is the job Profile of a Clerk in a Bank:

  • entry level official of bank, can rise upto highest position in Bank.Many examples of bank clerks becoming CMD of Banks.
  • first level official of bank inter act with customers.
  • has to handle all type of banking transactions such as cash receipt, cash payment, clearing of cheques, collection of taxes, issuance of drafts, pay orders, NEFT, RTGS, REMITTANCES,locker ,loans, foreign exchange, collection of bills, posting of vouchers in systems etc.
  • has to contribute in business development of bank.
  • eligible for promotion to next rank i.e . officer in 3 years in most banks. it can be 2 years in some cases when vacancies are more.
  • highly rewarding career.
  • ________________________________________________________________________________________________________________________
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    Mr Anil Aggarwal (a banking expert and interview process expert) is  conducting Personal coaching classes for bank interviews .The focus of his sessions are: 

  • What type of questions can be raised from you on the basis of your profile?
  • How to attempt your answers during interview?
  • What are the expectations of selection board?
  • How you can present your skills in live interview situation?
  • What to read, what not to read?
  • How to prepare for interview?
  • How to cover one's weaknesses?
  • How to improve confidence level?
  • and so on........_

     Mr ANIL AGGARWAL is able to bring about a lot of  improvement  in level of candidates through his motivational and informative talk. His motto is to achieve very high success rate for his candidates. you can read success stories of his candidates.

     

    TO KNOW DETAILS OF PERSONAL COACHING CLASSES :

    FOR DELHI / NCR CANDIDATES

  • You may call at 09811340788 or 011-22242640  between 3 P.M. to 8 P.M..
  • FOR OUTSTATION CANDIDATES FROM ALL OVER INDIA :

  • You may call at 09811340788 or 011-22242640  between 3 P.M. to 8 P.M..
  • Candidates can avail facility of telephonic sessions.
  • PAST TRACK RECORD

    81.8% enrolled candidates cleared their interviews with high scores and they are now working with various banks..

    DELHI OFFICE ADDRESS:

    ANIL AGGARWAL COACHING

    49,TRILOK APARTMENTS,

    NEAR MADHU VIHAR GURUDWARA,

    I.P Extension , PATPARGANJ, DELHI,  110092

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Career Prospects in Public sector Banks:

Public Sector Banks are growing extensively and are coming up with whopping recruitment project. Every year they may be hiring 40,000-50000 Officers and 60,000-70000 clerks. 

PSBs is booming in the job market because of two specific reasons-
Expansion of business in the banking industry as they are opening up new branches across the country.

Banking employees will be retired in the upcoming 5-6 years.

In order to fill these gaps, it was figured that around 100,000 plus vacancies would be coming forth in the next year across the banking industry.

Reason behind opting for Public sector bank

Public sector bank is the right choice for the youngsters because of two reasons-
PSBs banks pays good remuneration as it ranges from Rs 3 to 4 lakh per annum.

Getting promotion in banks is very much feasible.

Skills required for becoming a banker.

One must possess good interpersonal skills in order to deal with the customers.

One must have an ardent urge to play the role of good team player.
one must be good listener.
one must be polite.

One must have the ability of fast learning in order to interpret the new banking products.

One must have the flexibility for relocation.,

Diligence & good judgment power are the main traits of a good banker.

Creativity, right decision-making skills, and thorough knowledge of different business are the main attributes of a Banker.

One must update oneself with the RBI’s latest rules & regulations along with various banking transactions, bank and the economy in general.

Promotional scope;
There are seven scales in officer cadre:

scale 1-officer/Asstt Manager.
scale2-Manager.
scale3-Senior Manager.
scale 4- Chief Manager.
scale 5- Asst. General Manager.
scale 6- Deputy General Manager.
scale 7- General Manager.

These days it take 2-3 years to move from one scale to another , in other words one can reach scale seven in 13-15 years of service.
Next positions are CMD And ED, These are selected by govt of India from GENERAL MANAGERS OF ALL BANKS

Difference between Nationalised Bank and Public Sector banks

Nationalised Bank-- Nationalization was a process whereby govt of india took over the private banks into public ownership by an Act or ordinance . This strategy has been frequently adopted by socialist governments for transition from capitalism to socialism. 19 banks have been nationalized so far. (SBI and IDBI not nationalized bank). THIS HAPPENED IN 1969 AND 1980. 

Public Sector Bank -- (PSBs) in India are banks where a majority stake (i.e. more than 50%) is held by a government. Thus all nationalized banks are psb's and as well as-SBI ,SBI ASSOCIATE BANKS,BHARTIYA MAHILA BANK and IDBI bank are PSB.

BHARTIYA MAHILA BANK WAS CREATED ON 19 NOV 2013

PUBLIC SECTOR Banks 

  1. Allahabad Bank
  2. Andhra Bank
  3. Bank of Baroda
  4. Bank of India
  5. Bank of Maharashtra
  6. BHARTIYA MAHILA BANK
  7. Canara Bank
  8. Central Bank of India
  9. Corporation Bank
  10. Dena Bank
  11. IDBI BANK
  12. Indian Bank
  13. Indian Overseas Bank
  14. Oriental Bank of Commerce
  15. Punjab National Bank
  16. Punjab & Sind Bank
  17. Syndicate Bank
  18. UCO Bank
  19. Union Bank of India
  20. United Bank of India
  21. Vijaya Bank
  22. SBI and associate banks
  23. State Bank of India
  24. State Bank of Bikaner & Jaipur
  25. State Bank of Hyderabad
  26. State Bank of Mysore
  27. State Bank of Patiala
  28. State Bank of Travancore
  29. State Bank of Saurashtra (merged into SBI in 2008)
  30. State bank of Indore (merged into SBI in 2010)


Regional Rural Banks

  1. Allahabad UP Gramin Bank
  2. Andhra Pradesh Grameena Vikas Bank
  3. Andhra Pragathi Grameena Bank
  4. Arunachal Pradesh Rural Bank
  5. Aryavart Gramin Bank
  6. Assam Gramin Vikash Bank
  7. Baitarani Gramya Bank
  8. Ballia –Etawah Gramin Bank
  9. Bangiya Gramin Vikash Bank
  10. Baroda Gujarat Gramin Bank
  11. Baroda Rajasthan Gramin Bank
  12. Baroda Uttar Pradesh Gramin Bank
  13. Bihar Kshetriya Gramin Bank
  14. Cauvery Kalpatharu Grameena Bank
  15. Chaitanya Godavari Grameena Bank
  16. Chhattisgarh Gramin Bank
  17. Chikmagalur-Kodagu Grameena Bank
  18. Deccan Grameena Bank
  19. Dena Gujarat Gramin Bank
  20. Durg-Rajnandgaon Gramin Bank
  21. Ellaquai Dehati Bank
  22. Gurgaon Gramin Bank
  23. Hadoti Kshetriya Gramin Bank
  24. Haryana Gramin Bank
  25. Himachal Gramin Bank
  26. Jaipur Thar Gramin Bank
  27. Jhabua Dhar Kshetriya Gramin Bank
  28. Jharkhand Gramin Bank
  29. Kalinga Gramya Bank
  30. Karnataka Vikas Grameena Bank
  31. Kashi Gomti Samyut Gramin Bank
  32. Kerala Gramin Bank
  33. Krishna Grameena Bank
  34. Kshetriya Kisan Gramin Bank
  35. Langpi Dehangi Rural Bank
  36. Madhumalti Building Gupte Marg
  37. Madhya Bharat Gramin Bank
  38. Madhya Bihar Gramin Bank
  39. Mahakaushal Kshetriya Gramin Bank
  40. Maharashtra Gramin Bank
  41. Malwa Gramin Bank
  42. Manipur Rural Bank
  43. Marwar Ganganagar Bikaner Gramin Bank
  44. Meghalaya Rural Bank
  45. Mewar Anchalik Gramin Bank
  46. Mizoram Rural Bank
  47. Nagaland Rural Bank
  48. Uttrakhand Gramin Bank[1]
  49. Narmada Malwa Gramin Bank
  50. Neelachal Gramya Bank
  51. Pallavan Grama Bank
  52. Pandyan Grama Bank
  53. Parvatiya Gramin Bank
  54. Paschim Banga Gramin Bank
  55. Pragathi Gramin Bank
  56. Prathama Bank
  57. Puduvai Bharathiar Grama Bank
  58. Pune District Central Cooperative Bank Ltd.
  59. Punjab Gramin Bank
  60. Purvanchal Gramin Bank
  61. Rajasthan Gramin Bank
  62. Rewa-Sidhi Gramin Bank
  63. Rushikulya Gramya Bank
  64. Samastipur Kshetriya Gramin Bank
  65. Saptagiri Grameena Bank
  66. Sarva UP Gramin Bank
  67. Satpura Narmada Kshetriya
  68. Saurashtra Gramin Bank
  69. Sharda Gramin Bank
  70. Shreyas Gramin Bank
  71. Surguja Kshetriya Gramin Bank
  72. Sutlej Kshetriya Gramin Bank
  73. Tripura Gramin Bank
  74. Utkal Gramya Bank
  75. Uttar Banga Kshetriya Gramin Bank
  76. Uttar Bihar Gramin Bank
  77. Vananchal Gramin Bank
  78. Vidharbha Kshetriya Gramin Bank
  79. Visveshvaraya Grameena Bank
  80. Wainganga Krishna Gramin Bank


Private-sector banks

  1. Axis Bank
  2. Catholic Syrian Bank
  3. City Union Bank
  4. Development Credit Bank
  5. Dhanlaxmi Bank
  6. Federal Bank
  7. HDFC Bank
  8. ICICI Bank
  9. IndusInd Bank
  10. ING Vysya Bank
  11. Karnataka Bank
  12. Karur Vysya Bank
  13. Kotak Mahindra Bank
  14. Lakshmi Vilas Bank
  15. Nainital Bank
  16. Tamilnadu Mercantile Bank
  17. South Indian Bank
  18. YES Bank
  19. UP Agro Corporation Bank
     

Foreign banks operating in India

  1. Abu Dhabi Commercial Bank
  2. Australia and New Zealand Bank
  3. Bank Internasional Indonesia
  4. Bank of America NA
  5. Bank of Bahrain and Kuwait
  6. Bank of Ceylon
  7. Bank of Nova Scotia (Scotia Bank)
  8. Bank of Tokyo Mitsubishi UFJ
  9. Barclays Bank PLC
  10. BNP Paribas
  11. Calyon Bank
  12. Chinatrust Commercial Bank
  13. Citibank N.A.
  14. Credit Suisse
  15. Commonwealth Bank of Australia (Recently Launched Retail Services in Mumbai)
  16. DBS Bank
  17. DCB Bank now RHB Bank
  18. Deutsche Bank AG
  19. FirstRand Bank
  20. HSBC
  21. JPMorgan Chase Bank
  22. Krung Thai Bank
  23. Mashreq Bank psc
  24. Mizuho Corporate Bank
  25. Royal Bank of Scotland
  26. Shinhan Bank
  27. Société Générale
  28. Sonali Bank
  29. Standard Chartered Bank
  30. State Bank of Mauritius
  31. UBS
  32. Woori Bank.

BANKS AND THEIR HEADQUARTERS

  1. Allahabad Bank - Kolkata
  2. Andhra Bank - Hyderabad
  3. Bank of Baroda - Vadodara (Baroda)
  4. Bank of India - Mumbai
  5. Bank of Maharashtra - Pune 
  6. Bharatiya Mahila Bank - New Delhi
  7. Canara Bank - Bangalore
  8. Central Bank of India - Mumbai
  9. Corporation Bank - Mangalore
  10. Dena Bank - Mumbai
  11. Indian Bank - Chennai
  12. Indian Overseas Bank - Chennai
  13. Oriental Bank of Commerce - Gurgaon
  14. Punjab and Sind Bank - New Delhi
  15. Punjab National Bank - New Delhi
  16. State Bank of India - Mumbai
  17. Syndicate Bank - Manipal,Karnataka
  18. Union Bank of India - Mumbai
  19. United Bank of India - Kolkata
  20. UCO Bank - Kolkata
  21. Vijaya Bank - Bangalore

    TIME TESTED GOLDEN RULES FOR CRACKING INTERVIEW


     1:IDENTIFY A PROPER PATH TO SUCCESS, IF SOMEONE  FINDS IT DIFFICULT .  HE/SHE MUST CONSULT OTHERS. 

     2:DO HIS/HER SWOT ANALYSIS.

     3:ONE SHOULD BE CLEAR ABOUT,WHAT TO READ, WHAT NOT TO READ.HOW TO PLAN STUDIES.

     4:NO ONE IS ABLE TO IDENTIFY ONE'S OWN WEAKNESSES,HENCE UNABLE TO CORRECT THESE.

     5:NO ONE IS ABLE TO IDENTIFY ONE'S OWN STRENGTHS,HENCE UNABLE TO CAPITALISE ON THESE.

     6:NO ONE IS ABLE TO IDENTIFY THREATS AROUND HIM FROM  THEIR COMPETITORS,HENCE UNABLE TO    MATCH THEM.

     7:NO ONE IS ABLE TO IDENTIFY OPPORTUNITIES AROUND THEM,HENCE UNABLE TO CAPITALISE ON THEM .

     8:ONE MISS OUT  OPPORTUNITIES, AS HE/SHE IS UNABLE TO IMPOSE TRUST  IN ANYONE IN THEIR LIFE , RATHER, ONE  SHOULD BE ABLE TO IDENTIFY  AT LEAST ONE RIGHT PERSON .

    9:BELIEVE IN YOURSELF,  BELIEVE IN OTHERS ALSO. HAVE TRUST IN YOURSELF, HAVE TRUST IN OTHERS ALSO.

     10:ONE MAY SEEK GUIDANCE FROM AN EXPERIENCED PERSON LIKE MR ANIL AGGARWAL .THIS WILL HELP IN  OPTIMISATION OF  ONE'S EFFORTS.