AU Small Finance Bank Relationship Manager Interview Questions, Process, and Tips for Experienced

OD stands for Overdraft while CC stands for Cash Credit. Both are types of credit facilities provided by banks.

• OD is a facility where the customer can withdraw more money than what is available in their account, up to a certain limit. Interest is charged on the overdrawn amount.

• CC is a facility where the customer can withdraw money up to a certain limit sanctioned by the bank. Interest is charged on the amount utilized...read more

Leverage ratio is a financial metric that measures the proportion of debt used to finance a company's assets.

• Leverage ratio indicates the level of financial risk a company carries.

• It is calculated by dividing total debt by total assets.

• A higher leverage ratio indicates higher financial risk and vice versa.

• For example, if a company has $500,000 in debt and $1,000,000 in assets, the leverage ratio would be 0.5.

NEFT and RTGS are electronic funds transfer systems used in banking.

• NEFT stands for National Electronic Funds Transfer and RTGS stands for Real Time Gross Settlement.

• NEFT is used for transferring funds up to a certain limit, typically with a time delay, while RTGS allows for immediate and real-time transfer of large amounts.

• NEFT operates in hourly batches, while RTGS operates continuously throughout the working hours o...read more