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30+ ANZ Banking Group Interview Questions and Answers

Updated 26 Jan 2025

Q1. How does bank earn money?

Ans.

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

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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...

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Ans.

Answering 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

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Q3. what all things you check before providing loan for a customer

Ans.

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

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Q4. What are 5c's of credit

Ans.

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

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Q5. Differentiate ANZ from others

Ans.

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

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Q6. Tell about father of accounts

Ans.

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

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Q7. What is the process you follow when you create a Jenkins Pipeline. How does your build work?

Ans.

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

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Q8. What aspects would you consider while evaluating creditworthiness of a borrower

Ans.

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

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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

Ans.

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

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Q10. Speak something which is not there in your resume

Ans.

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

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Q11. what is lending process

Ans.

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

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Q12. what is australian market

Ans.

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

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Q13. 5cs of credit Emi calculations

Ans.

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

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Q14. How well ur in e mails??

Ans.

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

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Q15. Role play of a Loan officer

Ans.

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

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Q16. Talk on a topic for a min

Ans.

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

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Q17. Speak about a given topic for 2 minutes

Ans.

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

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Q18. 5cs of credit

Ans.

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.

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Q19. Briefly describe 4 C's of credit

Ans.

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.

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Q20. Write a letter to a customer

Ans.

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

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Q21. Explain event driven architecture of node.js

Ans.

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

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Q22. Load 60 GB of csv file and perform transformation.

Ans.

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.

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Q23. Calculate EMI

Ans.

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

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Q24. Talk about current probjects

Ans.

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

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Q25. What is banking ?

Ans.

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.

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Q26. Write an apology letter to the customer

Ans.

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

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Q27. 5 C of credit

Ans.

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.

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Q28. How to find suspicious email

Ans.

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

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Q29. Difference between MT103 & MT202

Ans.

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

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Q30. What is Swift ?

Ans.

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

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Q31. Explain 3-tier Architect

Ans.

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

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Q32. Encryption in S3 using SSL/TLS

Ans.

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

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Q33. Identify hidden info

Ans.

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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