Dear aspirants, the SBI CBO interview is the key stage to becoming a State Bank of India Circle-Based Officer. Candidates who pass the online examination and screening will be called for the interview. Marks from both the Objective and Descriptive Tests will be combined with the interview scores to prepare the final merit list. This list is based on the normalised marks of the Online Written Test and Interview, with respective weightages of 75% and 25%. The online test scores (out of 170) are converted to a score out of 75, while interview scores (out of 50) are converted to a score out of 25. The final merit list, which is categorised by circle and category, is compiled by adding these converted marks for a total of 100. Excelling in the interview can give candidates a significant advantage in becoming an SBI CBO. To assist with interview preparation, we have provided 20 frequently asked questions, along with tips and sample answers.

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SBI CBO Interview Questions and Answers PDF

Candidates can download the State Bank of India Circle-Based Questions and Answers PDF from the download link given below.

Download the SBI CBO Interview Questions and Answers PDF

SBI CBO Interview Questions 2025

Here, we've compiled the most common questions for the SBO CBO interview. Also, note the recommended answers and key points provided for each question to help you understand how to respond. This way, you'll get an idea of suitable answers, which you can then tailor to your style.

1. Tell me about yourself

This is one of the most common introductory questions.

Answer:

Begin with your name, educational background, and brief work experience. Mention achievements relevant to banking. Highlight skills suited to the CBO role (branch operations, customer service, compliance). End with why you chose SBI CBO.

Example Answer:

"My name is [Your Name]. I completed my [Degree] in [Specialisation] from [University]. I have [X years] of experience in the banking industry, primarily in [area of expertise]. I have consistently achieved my branch targets and maintained strong client relationships. I am eager to join SBI as a Circle Based Officer to use my skills in serving my local region and contributing to SBI’s growth."

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2. Why do you want to join SBI as a Circle-Based Officer?

This tests your motivation and knowledge about the role.

Answer:

Show awareness of SBI’s reputation, the CBO's role and responsibilities, and how your skills match. Mention the opportunity to serve in your local circle.

Example Answer:

"SBI is India’s most trusted bank with a vast network and strong values. The CBO role enables me to leverage my operational experience and local market knowledge to better serve customers. I see this as a platform to grow professionally while contributing to the bank’s success in my circle."

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3. What are your strengths and weaknesses?

This checks self-awareness and honesty.

Answer:

Pick strengths relevant to the job (relationship management, problem-solving). For weaknesses, choose something you are actively improving.

Example Answer:

"My strengths include excellent customer relationship skills, adaptability, and a strong understanding of banking operations. My weakness was multitasking too much at once, but I’ve been improving it by using better time management techniques."

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4. Where do you see yourself in five years?

This reveals your career aspirations.

Answer:

Express commitment to SBI and a logical growth path (branch manager, regional role).

Example Answer:

"In five years, I see myself leading a branch or working in a regional operations role within SBI, contributing to business growth while ensuring excellent service delivery."

5. Why should we select you over other candidates?

This tests your confidence and self-marketing skills.

Answer:

Focus on unique experience, local knowledge, and performance history.

Example Answer:

"I bring [X years] of banking experience, a record of meeting business targets, and strong customer service skills. My local network and knowledge of the market give me an advantage in delivering results quickly."

6. What do you know about SBI’s recent initiatives?

This checks your current knowledge about the bank.

Answer:

Mention 2–3 recent SBI initiatives or products (digital, rural, sustainability).

Example Answer:

"SBI has expanded its digital presence through YONO, introduced sustainability-focused loans, and enhanced rural outreach with more financial inclusion programs. These initiatives align with my values and inspire me to be part of SBI’s journey."

7. Who is the current Chairman of SBI?

Test your awareness of key leadership.

Answer:

State the name and mention one key contribution.

Example Answer:

"Shri Challa Sreenivasulu Setty is the present Chairman of SBI. Under his leadership, the bank has accelerated digital transformation and customer-centric policies."

8. Explain the Lead Bank Scheme.

Tests basic banking awareness.

Answer:

Define the scheme, its purpose, and SBI’s role.

Example Answer:

"The Lead Bank Scheme assigns one bank to coordinate banking in each district. The lead bank ensures credit planning and financial inclusion. SBI is the lead bank in many districts across India."

9. What is FATCA, and why is it important?

Tests regulatory knowledge.

Answer:

Explain the full form, purpose, and impact on banks.

Example Answer:

"FATCA stands for Foreign Account Tax Compliance Act. It requires banks to report details of accounts held by U.S. taxpayers. This ensures compliance with tax laws and helps prevent financial crimes."

10. Explain KYC norms and their importance.

Check understanding of compliance.

Answer:

Define KYC, its process, and why it’s essential.

Example Answer:

"KYC, or Know Your Customer, is the process of verifying client identity through documents like ID and address proof. It is vital to prevent fraud, money laundering, and to comply with RBI guidelines."

11. What is the Negotiable Instruments Act?

Tests legal knowledge relevant to banking.

Answer:

Briefly explain the scope and importance.

Example Answer:

"The Negotiable Instruments Act governs cheques, bills of exchange, and promissory notes. It provides a legal framework for their use, ensuring trust in banking transactions."

12. Explain the Kisan Credit Card (KCC) and its benefits.

Checks agricultural banking knowledge.

Answer:

Describe purpose, benefits, and flexibility.

Example Answer:

"KCC provides farmers with short-term credit for agricultural needs. It offers flexible repayment, low interest rates, and simple withdrawal procedures, helping farmers manage seasonal expenses."

13. What is DICGC, and why is it important?

Tests deposit safety knowledge.

Answer:

Explain the full form, coverage, and purpose.

Example Answer:

"The Deposit Insurance and Credit Guarantee Corporation insures deposits up to Rs. 5 lakh per depositor per bank. It boosts customer trust in the banking system."

14. What is a Special Economic Zone (SEZ)?

Checks economic awareness.

Answer:

Define and mention benefits.

Example Answer:

"An SEZ is a designated area with business-friendly laws, tax incentives, and better infrastructure to promote exports, attract investment, and create jobs."

15. What does SSY stand for, and what is its purpose?

Test awareness of government schemes.

Answer:

State the full form and objectives.

Example Answer:

"SSY stands for Sukanya Samriddhi Yojana. It’s a savings scheme for the education and marriage of girl children, offering high interest and tax benefits."

16. Discuss a recent development in the Indian banking sector.

Test current affairs knowledge.

Answer:

Pick one major update and explain its impact.

Example Answer:

“Banks are increasingly launching new online services and AI-powered chatbots to make digital banking more secure and convenient".

17. Who is the current Chief Justice of India?

Tests general awareness.

Answer:

Mention name and tenure start date.

Example Answer:

"Justice Bhushan Ramkrishna Gavai is the current Chief Justice of India, appointed as the Chief Justice of India on 14th May 2025, leading important judicial reforms."

18. What is your opinion on the growing role of Artificial Intelligence in banking?

Tests awareness of technology trends and analytical thinking.

Answer:

Acknowledge AI’s benefits, potential challenges, and its impact on customers and operations.

Example Answer:

"Artificial Intelligence is revolutionising banking by improving fraud detection, enhancing customer service through chatbots, and personalising financial products. While it boosts efficiency and security, banks must also address data privacy concerns and ensure ethical use of AI. I believe AI, when implemented responsibly, can significantly improve customer experience and operational efficiency."

19. Describe a time you resolved a difficult banking issue.

Tests problem-solving skills.

Answer:

Use the STAR method (Situation, Task, Action, Result).

Example Answer:

"A customer’s high-value transaction was delayed due to a technical issue. I coordinated with IT and operations to resolve it in hours, kept the customer informed, and retained their trust."

20. How would you handle a high-value client complaint?

Test customer service and escalation handling.

Answer:

Mention listening, empathising, resolving, and following up.

Example Answer:

"I would listen to the client patiently, understand the problem, and coordinate with relevant teams for a quick resolution. I’d keep the client updated and follow up to ensure satisfaction."

Final Tips

• Be Honest: If you don’t know the answer, admit it confidently and express your willingness to learn.

• Stay Calm: Practice mock interviews to manage your nerves.

• Show Enthusiasm: Demonstrate your passion for the role and the banking sector.

FAQs

Q: What types of questions are typically asked in the SBI CBO interview?

SBI CBO interviews cover personal background, motivation, strengths, career goals, SBI’s recent initiatives, banking awareness, regulations, economic concepts, current affairs, and situational questions.

Q: How should I prepare for SBI CBO interview questions on banking awareness?

Prepare by revising core banking concepts, RBI guidelines, SBI products, recent banking news, government schemes, and practising with previous interview questions.

Q: How important is knowledge of current affairs for the SBI CBO interview?

Knowledge of current affairs is very important for the SBI CBO interview as it reflects awareness, decision-making ability, and suitability for banking roles.

Q: How can I handle situational and customer service questions in the SBI CBO interview?

Listen carefully, stay calm, analyse the situation, and give practical, customer-focused solutions showing empathy, problem-solving skills, and professionalism.