SBI PO Interview Questions 2025, Most Expected Questions

SBI PO Interview Expected Questions: If you appeared in the SBI PO 2025 Mains exam, you might be preparing for the interview round. The SBI PO Mains result is not out yet. After releasing the Mains result, SBI will start the third round of the recruitment process. This third and final round includes group discussion, psychometric tests, and a personal interview. So, to make the interview round easy for you, we’ll share with you the questions that are expected for the interview round. Read on to know more!

SBI PO Interview Expected Questions 2025

SBI PO interview is the last and final phase of the SBI PO selection process. The interview part is conducted to interact with the candidates in person and evaluate them face-to-face. From their speaking style, to their body language, to how they think is observed. SBI PO interviews test them with an array of questions, ranging from personal to academic and awareness-based questions. Therefore, as an aspirant, you should be fully prepared to face it. You should care about the way you introduce yourself and communicate confidently to impress the panelists.

Below, we’ve provided some of the most important and frequently asked questions for the SBI PO Interview 2025.

Self-Introduction and Personality Questions

SBI PO interviews are usually a mix of personal questions and general/banking awareness questions. Here are a few personality-based questions you can expect:

1. Tell me about yourself.
2. What are your strengths and weaknesses?
3. What motivates you to do your best work?
4. What are your long-term career goals?
5. Why do you want to join SBI as a PO?
6. Why should we select you over other candidates?
7. How do you handle stress or pressure?
8. How do you manage your time effectively and stay organized?
9. Can you give an example of a challenging situation you faced and how you overcame it?
10. How do you handle conflicts with coworkers or supervisors?
11. Have you ever failed at something? What did you learn from it?
12. Describe a time when you showed leadership.
13. What is your leadership style?
14. How would your friends or colleagues describe you?
15. How do you prioritize tasks when under a tight deadline?
16. What are your hobbies and interests?
17. What have you done to improve yourself in the last year?
18. Are you willing to relocate or work in rural areas?
19. What kind of work environment helps you perform best?
20. How do you stay calm and focused during high-pressure situations?

Banking & General Awareness Questions

Interviews are also meant to test the candidate’s knowledge of the job company, job, and career path they’re being interviewed for. This includes:

• Situation-based questions
• Questions related to current events in banking
• Questions related to the subjects the candidate graduated in, or has highlighted in their resume.
• About the candidate’s surroundings, the popular things their state is known for, and specific questions to check how well they like stated hobbies
• Why did the candidate choose banking after working in another industry
• Problems the candidate sees in the current system and how they want to solve these
• How a candidate deals with simulated problems

SBI PO Interview Technical Questions Examples

These technical questions test candidates’ understanding of banking operations, financial concepts, and current industry trends. Being well-prepared for these topics is crucial for success.

1. What do you know about our bank?

SBI is India’s largest public sector bank, established in 1955, with a wide network of over 24,000 branches and 60,000+ ATMs. It provides a range of services like deposits, loans, insurance, digital banking, and wealth management. Being government-owned, SBI is known for its trust, stability, and contribution to financial inclusion through schemes like Jan Dhan Yojana, PM Mudra, and digital payment initiatives like YONO. It has a strong presence not only in India but also in international markets, serving millions of customers.

2. What is your understanding of the banking industry?

The banking industry is the backbone of the economy, enabling financial transactions, savings, credit, and investments. Banks play a vital role in mobilizing resources, supporting businesses, and promoting financial inclusion. With technological advancements, digital banking, UPI, and mobile apps have transformed the customer experience, making banking faster, more accessible, and convenient. The sector also faces challenges like credit risk, cyber fraud, and regulatory compliance, which require continuous adaptation.

3. How do you stay up-to-date with industry changes and trends?

I regularly follow RBI updates, banking news on The Economic Times and Business Standard, and official SBI announcements. I also subscribe to financial blogs, newsletters, and watch webinars on banking reforms, digital innovations, and policies. Participating in online discussion forums and mock interviews helps me understand the practical implications of industry trends.

4. How do you handle a customer who is angry or upset?

First, I remain calm and listen attentively to the customer without interrupting. I acknowledge their concerns and empathize with their situation. Then, I provide a clear explanation or solution, ensuring transparency. If immediate resolution is not possible, I assure them of a follow-up within a specific time frame. The key is patience, understanding, and maintaining professionalism while focusing on resolving the issue efficiently.

5. What is your understanding of credit risk, and how do you manage it?

Credit risk is the possibility that a borrower may default on loan repayment. Banks manage it by assessing the borrower’s creditworthiness, analyzing financial statements, income stability, and past credit history. Tools like credit scoring, collateral, and monitoring repayment schedules help mitigate risk. Diversification of loans, adherence to RBI guidelines, and timely follow-ups also reduce exposure to bad debts. As a future banker, I understand the importance of balancing risk management with customer service.

• What is your experience with financial analysis and forecasting?
• How do you prioritize and manage your workload?
• Can you explain the difference between savings and checking accounts?
• What is your experience with loan underwriting and credit analysis?
• What are your thoughts on the importance of customer service in the banking industry?
• What is a balance sheet, and why is it important in banking?
• Define capital adequacy ratio (CAR) and its role in financial stability.
• What are the various loan categories offered by banks?
• How do credits and debit cards vary in terms of use and profit?
• What is Basel III, and why is it important for the banking sector?
• Why is the Know Your Customer (KYC) process necessary in banking?
• What is microfinance, and how does it support financial inclusion?
• What are the primary responsibilities of a probationary officer (PO) in a bank?
• How does a cheque clearing system function in India?
• What are various fund transfer mechanisms used in Indian banking?
• What is the full form of IBPS? Explain its role.
• What are the types of bank accounts? Can you explain the features of a savings account and a current account?
• What is a Non-Performing Asset (NPA)?
• Can you name some of the major policies of the Reserve Bank of India (RBI)?
• What are the different types of loans offered by banks?
• Explain the concept of “Monetary Policy” and its importance.
• What are the types of deposits?
• What is the Banking Ombudsman?
• Tell me the types of ATMs.
• Who is the current Governor of RBI?
• What is known as Monetary Policy?
• What is the repo rate?
• What is known as the Reverse repo rate?
• List out Monetary Policy Committee members.
• What is known as SLR?
• What is known as MSF?
• What do you mean by LAF?
• Name some of the currency printing places in India.
• What is the current interest rate set by the RBI?
• Who is the current RBI governor?
• What are the recent initiatives taken by the government in the banking sector?
• Can you tell us about the Union Budget of India this year?
• Who won the latest Nobel Prize in economics or literature (depending on the current year)?
• Can you name any international financial institutions (like IMF, World Bank) and their roles?
• What is the difference between RTGS and NEFT?
• What do you understand by Disinvestment and what is its objective?
• What is Retail Lending?
• What is the difference between a Debit and a Credit card?
• What is UPI and how does it work?
• Explain the significance of the Banking Ombudsman scheme.

SBI PO Interview Tips for Success

The SBI PO interview is all about how you present yourself on the day of the actual interview. Your General knowledge, body language, dressing sense, and introduction play a crucial role in clearing this final Phase of the exam.

Let’s take a look at some of the most important tips to clear the upcoming interview:

1. Brush up on Current Affairs

Your awareness of current events reflects your seriousness as a candidate. Read daily to stay informed on banking, business, and national updates.

• Read newspapers like The Hindu or Economic Times.
• Focus on banking, economy, and government schemes.
• Revise last 4–6 months of current affairs.
• Use apps or monthly PDFs for quick review.
• Practice current affairs quizzes daily.

2. Read your bio-data thoroughly

Your resume speaks before you do. Be ready to explain everything you’ve written in your application and biodata form confidently.

• Know your educational and job details well.
• Prepare answers for gap years, if any.
• Be honest and specific with your replies.
• Avoid vague or exaggerated claims in biodata.
• Rehearse common questions from your background.

3. Keep all your documents in one folder

Document verification is a must before the interview. Staying organized saves you stress and leaves a positive first impression on the panel.

• Arrange originals and photocopies in order.
• Carry at least two passport-sized photos.
  Include your biodata printout and ID proof.
• Use a clean, professional-looking folder.
• Double-check documents a day before interview.

4. Reach the place of interview on time

Punctuality shows professionalism and sincerity. Arriving late not only spoils your confidence but may also affect your eligibility to appear.

• Visit the venue a day before, if possible.
• Plan your commute with extra buffer time.
• Keep documents and ID ready in advance.
• Reach at least 30 minutes early.
• Inform authorities politely in case of delay.

5. Dress properly & Avoid Unnecessary Stress

First impressions matter a lot in interviews. Your appearance and calmness help create a sense of confidence and reliability in the interviewer’s mind.

• Wear formal and well-ironed clothes.
• Avoid flashy accessories or heavy perfumes.
• Keep a neat hairstyle and trimmed nails.
• Relax your mind before entering the room.
• Don’t overthink past performance or scores.

6. Be confident and Listen Carefully

Confidence with active listening makes your communication more effective. Interviewers appreciate candidates who pay attention and respond calmly and clearly.

• Greet the panel with a smile.
• Sit only after being invited to.
• Maintain natural eye contact when answering.
  Don’t interrupt while questions are being asked.
• Use calm gestures to express yourself better.

7. Be yourself

Trying to fake confidence or personality won’t help. Being natural will make you sound more genuine, comfortable, and trustworthy to the panel.

• Speak in your natural tone and pace.
• Keep your voice clear and audible.
• Don’t force jokes or humor unnecessarily.
• Let your personality shine through honestly.
• Answer with clarity, not with memorized lines.

How did You Handle a Difficult Situation Problems Answers in an Interview?

Candidates can give their answers like this: In a previous role, I faced a challenging situation where a project was falling behind due to miscommunication between team members. I took the initiative to organize a meeting to clarify roles, address concerns, and realign our goals. By fostering open communication and collaboration, we identified the root issues and developed a revised timeline. I also created a shared progress tracker to improve transparency. As a result, the project was completed successfully and even received positive feedback from the client. This experience taught me the value of proactive communication and teamwork in overcoming obstacles.

3rd Round Interview Questions Takeaway

You need to be ready to face questions similar to the questions mentioned above. You may face questions that may not be exactly like these sample questions, but they would reflect on the topics or terms mentioned in them. So, you need to revisit the banking and economic awareness topics and keep yourself updated with the SBI bank interest rates, types of bank accounts, new policies, etc. to clear the interview round with flying colours. Don’t forget that if you are not aware of or not sure about some facts or figures mentioned in the question asked by the interviewer, express that you are not sure about them and ask about them with politeness. This will showcase that you are honest and curious to get informed about the things related to your job.

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