
ANZ Banking Group


30+ ANZ Banking Group Interview Questions and Answers
Q1. How does bank earn money?
Banks earn money through various sources such as interest on loans, fees, investments, and trading.
Interest on loans
Fees (e.g. account maintenance fees, ATM fees, overdraft fees)
Investments (e.g. stocks, bonds, mutual funds)
Trading (e.g. foreign exchange, commodities)
Credit card interest and fees
Q2. WAF usage , How to hack bank ? , In which case you can avail exception for certain access, IAM, Suggestions on how database can be secured, Types on encryption, How data at rest can be secured, how data at moti...
read moreAnswering questions on WAF usage, bank hacking, access exceptions, IAM, database security, encryption, SAML, SSO, CI/CD security, and cloud migration best practices.
WAF usage: Implement WAF to protect against web attacks.
Bank hacking: Cannot provide information on illegal activities.
Access exceptions: Grant exceptions only when necessary and with proper authorization.
IAM: Implement IAM to manage user access and permissions.
Database security: Use encryption, access controls, a...read more
Q3. what all things you check before providing loan for a customer
Before providing a loan, I check the customer's credit score, income, employment history, debt-to-income ratio, and collateral.
Credit score
Income
Employment history
Debt-to-income ratio
Collateral
Q4. What are 5c's of credit
5c's of credit are the key factors that lenders consider before granting a loan.
Character - borrower's credit history and reputation
Capacity - borrower's ability to repay the loan
Capital - borrower's assets and net worth
Collateral - assets pledged as security for the loan
Conditions - economic and industry factors that may affect the borrower's ability to repay
Q5. Differentiate ANZ from others
ANZ differentiates itself through its focus on customer experience, innovation, and sustainability.
ANZ has a strong focus on customer experience, with initiatives such as their 'MoneyMinded' financial education program
ANZ is committed to innovation, with investments in digital banking and partnerships with fintech startups
ANZ is a leader in sustainability, with a goal to be carbon neutral by 2050 and investments in renewable energy projects
ANZ has a strong presence in the Asi...read more
Q6. Tell about father of accounts
Luca Pacioli is considered the father of modern accounting.
Luca Pacioli was an Italian mathematician and Franciscan friar who wrote the first book on double-entry accounting in 1494.
He is known for his contributions to the development of accounting as a profession.
Pacioli's book, Summa de Arithmetica, Geometria, Proportioni et Proportionalita, included a section on bookkeeping that introduced the concept of double-entry accounting.
Double-entry accounting is a system in which ...read more
Q7. What is the process you follow when you create a Jenkins Pipeline. How does your build work?
Creating a Jenkins Pipeline involves defining stages, steps, and triggers to automate the build process.
Define stages to break down the build process into smaller tasks
Specify steps within each stage to execute specific actions like compiling code, running tests, and deploying
Set up triggers to automatically start the pipeline based on events like code commits or scheduled times
Use Jenkinsfile to define the pipeline as code for version control and reproducibility
Q8. What aspects would you consider while evaluating creditworthiness of a borrower
Factors considered include financial history, income stability, debt-to-income ratio, credit score, and collateral.
Financial history of the borrower
Income stability and source of income
Debt-to-income ratio
Credit score of the borrower
Collateral provided by the borrower
Q9. Tap the balloon until popping, you will get a certain amount of money every time you tap. However, you will get nothing if the balloon pops
The risk of the balloon popping outweighs the reward of tapping it for money.
The risk of losing everything by the balloon popping is too high
The potential reward of getting money for each tap is not worth the risk
It is a game of chance where the odds are not in your favor
Q10. Speak something which is not there in your resume
I am an avid traveler and have visited over 20 countries
I love experiencing new cultures and trying new foods
I have backpacked through Europe and Asia
I have volunteered at a school in Cambodia
I am currently planning a trip to South America
Q11. what is lending process
Lending process involves the steps taken by financial institutions to evaluate, approve, and disburse loans to borrowers.
Borrower submits loan application with required documents
Financial institution evaluates borrower's creditworthiness
Loan is approved or denied based on evaluation
If approved, terms and conditions are set including interest rate and repayment schedule
Funds are disbursed to borrower
Q12. what is australian market
The Australian market refers to the financial market in Australia where securities are bought and sold.
The Australian market includes the Australian Securities Exchange (ASX) where stocks, bonds, and other securities are traded.
It is influenced by factors such as the country's economic performance, government policies, and global market trends.
Key industries in the Australian market include mining, finance, healthcare, and technology.
Companies listed on the ASX include BHP Gr...read more
Q13. 5cs of credit Emi calculations
The 5 Cs of credit are character, capacity, capital, collateral, and conditions. EMI calculations involve determining monthly payments.
The 5 Cs of credit are important factors considered by lenders when evaluating a borrower's creditworthiness.
Character refers to the borrower's reputation and credit history.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's assets and net worth.
Collateral refers to assets that can be used as security ...read more
Q14. How well ur in e mails??
I am very proficient in emails and have excellent communication skills.
I have strong written communication skills and can effectively convey information through emails.
I am proficient in using email platforms and can navigate through different features and functions.
I am skilled in drafting professional and concise emails that are clear and easy to understand.
I have experience in managing email correspondence with clients and colleagues, ensuring timely responses and addressi...read more
Q15. Role play of a Loan officer
As a loan officer, I would assess the creditworthiness of applicants and make decisions on loan approvals.
Review applicant's credit history, income, and debt-to-income ratio
Evaluate collateral if applicable
Consider the purpose of the loan and the applicant's ability to repay
Communicate loan terms and conditions to the applicant
Make a decision on loan approval or denial
Q16. Talk on a topic for a min
The impact of social media on mental health
Social media can contribute to feelings of inadequacy and low self-esteem
Excessive use of social media can lead to anxiety and depression
Comparison to others on social media can negatively impact mental health
Cyberbullying on social media platforms can have serious consequences
However, social media can also provide support and connection for those struggling with mental health issues
Q17. Speak about a given topic for 2 minutes
Topic: Importance of Time Management
Time management is crucial for personal and professional success
Effective time management leads to increased productivity and reduced stress
Prioritizing tasks, setting goals, and avoiding procrastination are key aspects of time management
Examples of time management tools include calendars, to-do lists, and time tracking apps
Q18. 5cs of credit
The 5 Cs of credit are character, capacity, capital, collateral, and conditions.
Character refers to the borrower's credit history and reputation.
Capacity refers to the borrower's ability to repay the loan based on income and expenses.
Capital refers to the borrower's assets and net worth.
Collateral refers to assets that can be used as security for the loan.
Conditions refer to the purpose of the loan and economic conditions that may affect the borrower's ability to repay.
Q19. Briefly describe 4 C's of credit
The 4 C's of credit are character, capacity, capital, and collateral.
Character refers to the borrower's credit history and reputation for repaying debts.
Capacity assesses the borrower's ability to repay the loan based on income and existing debts.
Capital evaluates the borrower's financial reserves and assets.
Collateral is the borrower's assets that can be used as security for the loan.
Q20. Write a letter to a customer
Writing a letter to a customer
Start with a friendly greeting
Address the reason for the letter
Provide any necessary information or updates
End with a thank you and invitation for further communication
Use a professional tone throughout
Q21. Explain event driven architecture of node.js
Node.js uses event-driven architecture where events trigger callbacks to handle asynchronous operations.
Node.js uses event loop to handle asynchronous operations efficiently
Events are emitted by various objects in Node.js like HTTP servers, file system, etc.
Callbacks are registered to handle events and execute code when events occur
Q22. Load 60 GB of csv file and perform transformation.
Use distributed computing framework like Apache Spark to efficiently load and transform the large CSV file.
Use Apache Spark to distribute the workload across multiple nodes for faster processing.
Utilize Spark's DataFrame API to read the CSV file and apply transformations.
Consider partitioning the data to optimize performance.
Use Spark SQL for complex transformations and aggregations.
Leverage in-memory processing capabilities of Spark for faster data processing.
Q23. Calculate EMI
EMI can be calculated using the formula: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
EMI stands for Equated Monthly Installment
P is the principal amount borrowed
R is the rate of interest per month
N is the number of months for repayment
Example: If P = 1,00,000, R = 10% per annum, N = 12 months, then EMI = Rs. 8,792
Q24. Talk about current probjects
Currently working on developing a new software for data analysis
Designing the user interface for the software
Implementing algorithms for data processing
Testing and debugging the software
Collaborating with team members to ensure project completion
Q25. What is banking ?
Banking is a financial institution that provides various services such as deposits, loans, and investments.
Banks accept deposits from customers and provide interest on those deposits.
Banks offer loans to individuals and businesses for various purposes.
Banks facilitate transactions such as wire transfers, bill payments, and issuing credit/debit cards.
Banks provide investment services like wealth management, mutual funds, and retirement accounts.
Q26. Write an apology letter to the customer
Apology letter to the customer
Acknowledge the mistake or issue that occurred
Express genuine remorse and apologize for any inconvenience caused
Assure the customer that steps are being taken to prevent similar issues in the future
Offer a solution or compensation if applicable
Thank the customer for their understanding and continued support
Q27. 5 C of credit
The 5 C's of credit are character, capacity, capital, collateral, and conditions.
Character refers to the borrower's credit history and reputation.
Capacity refers to the borrower's ability to repay the loan.
Capital refers to the borrower's financial resources and assets.
Collateral refers to the assets that can be used as security for the loan.
Conditions refer to the economic and industry factors that may affect the borrower's ability to repay the loan.
Q28. How to find suspicious email
Look for suspicious sender, check for spelling errors, verify links before clicking
Check the sender's email address for any suspicious or unfamiliar domains
Look for spelling and grammatical errors in the email content
Hover over links to see the actual URL before clicking on them
Be cautious of urgent or threatening language in the email
Avoid downloading attachments from unknown senders
Q29. Difference between MT103 & MT202
MT103 is a payment message used for international funds transfer, while MT202 is a financial institution transfer message.
MT103 is used for customer payments, while MT202 is used for financial institution transfers.
MT103 contains details of the sender, receiver, and amount to be transferred, while MT202 is used to instruct the movement of funds between financial institutions.
MT103 is sent directly to the beneficiary bank, while MT202 is used for intermediary banks to facilita...read more
Q30. What is Swift ?
Swift is a programming language developed by Apple for iOS, macOS, watchOS, and tvOS development.
Developed by Apple
Used for iOS, macOS, watchOS, and tvOS development
Modern, fast, and safe language
Q31. Explain 3-tier Architect
3-tier architecture is a client-server architecture with three separate logical layers: presentation, application, and data.
Three separate layers: presentation, application, and data
Presentation layer: user interface for interaction
Application layer: business logic and processing
Data layer: storage and retrieval of data
Each layer communicates with the layer above and below it
Q32. Encryption in S3 using SSL/TLS
Encryption in S3 using SSL/TLS ensures data security during transit.
SSL/TLS encryption can be enabled for data in transit to and from Amazon S3
This encryption helps protect data from unauthorized access during transmission
SSL/TLS encryption can be enforced by configuring S3 bucket policies or using AWS Key Management Service (KMS)
Example: Enabling SSL/TLS encryption for S3 buckets using AWS KMS
Example: Configuring bucket policies to enforce SSL/TLS encryption
Q33. Identify hidden info
Identifying hidden information is crucial in cyber security to uncover potential threats or vulnerabilities.
Look for hidden files or directories on a system
Check for hidden code or malware within legitimate files
Analyze network traffic for hidden communication channels
Examine metadata of files for hidden information
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