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PNB Backend Executive Excel Interview QA

The document outlines various Excel-based interview questions and answers relevant for a Backend Executive position at PNB. It covers topics such as calculating interest, maintaining customer ledgers, identifying defaulters, reconciling reports, and analyzing customer data for cross-selling. Additionally, it includes methods for regulatory reporting, tracking high-value transactions, and ensuring data accuracy in banking entries.

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5 views2 pages

PNB Backend Executive Excel Interview QA

The document outlines various Excel-based interview questions and answers relevant for a Backend Executive position at PNB. It covers topics such as calculating interest, maintaining customer ledgers, identifying defaulters, reconciling reports, and analyzing customer data for cross-selling. Additionally, it includes methods for regulatory reporting, tracking high-value transactions, and ensuring data accuracy in banking entries.

Uploaded by

hritikrajoria91
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Excel-Based Interview Questions for

Banking (PNB - Backend Executive)


How would you calculate interest on a savings account using Excel?
You can use the formula: =Principal * Rate * Time. For monthly interest: =A1 * B1/12 * C1

How do you maintain and update a customer ledger in Excel?


Use columns like Date, Transaction Type, Amount, and Running Balance. Example: =D2 +
IF(B3='Credit', C3, -C3)

How do you identify defaulters or overdue accounts in Excel?


Use conditional formatting with a rule like =D2<TODAY() to highlight overdue dates.

How can you use Excel to reconcile daily cash or transaction reports?
Compare system vs. physical data using VLOOKUP or INDEX-MATCH. Use SUMIFS to total by
date.

How do you analyze customer data for cross-selling opportunities using Excel?
Use filters, Pivot Tables, and IF functions to identify high-value customers without other
products.

How can you generate a report showing total deposits and withdrawals by
branch?
Use Pivot Tables: Rows=Branch Name, Columns=Transaction Type, Values=Sum of Amount.

How do you handle large customer datasets in Excel efficiently?


Use Filters, Tables, Pivot Tables, and avoid volatile functions for performance.

How do you calculate EMI (Equated Monthly Installment) in Excel?


Use PMT function: =PMT(rate, nper, pv). Example: =PMT(0.08/12, 60, -500000).

How do you find the total balance of all accounts for a specific customer type?
Use SUMIF: =SUMIF(A2:A100, 'Senior Citizen', B2:B100).

How can Excel help with regulatory reporting like KYC compliance?
Maintain KYC status, expiry dates; use conditional formatting to highlight missing/expired
records.

How would you track and flag high-value transactions in Excel?


Use IF formula: =IF(TransactionAmount>1000000, 'High Value', 'Normal').
How do you automate monthly balance summary reports for all customers?
Use Pivot Tables with date filters and set ranges to auto-update summaries.

What Excel tools do you use to check for data accuracy in banking entries?
Use Data Validation, IFERROR, ISNUMBER, conditional formatting, and checksum formulas.

How can you separate and analyze customer transactions by date, region, and
product?
Use Pivot Tables: Rows=Region, Columns=Product, Filter=Date, Values=Sum of
Transactions.

How do you calculate tax deducted at source (TDS) on interest income?


Use IF logic: =IF(Interest>Threshold, Interest * TDS_Rate, 0). Example: =IF(B2>10000,
B2*0.1, 0).

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