Bandhan Bank Area Sales Manager Interview Questions and Answers

Cash credit and Overdraft are types of short-term borrowing facilities provided by banks.

• Cash credit is a type of loan where the borrower is given a credit limit and can withdraw funds up to that limit as and when required.

• Overdraft is a facility where the borrower is allowed to withdraw more money than what is available in their account, up to a certain limit.

• Interest is charged on the amount borrowed in both cases, b...read more

Cash credit and overdraft are two types of short-term borrowing facilities provided by banks.

• Cash credit is a type of loan where the borrower can withdraw money up to a certain limit approved by the bank. Interest is charged only on the amount withdrawn.

• Overdraft is a facility where the bank allows the borrower to withdraw more money than what is available in their account. Interest is charged on the overdrawn amount.

• C...read more

I am currently handling a portfolio size of X

• My current portfolio size is X

• I am responsible for managing X number of products/clients

• My portfolio size varies depending on the region/territory I am handling

• For example, in my previous role, I handled a portfolio of 50 clients in the North region

• I am comfortable handling portfolios of different sizes and adapting to changing requirements

Current ratio measures a company's ability to pay its short-term liabilities with its short-term assets. Leverage measures the amount of debt used to finance a company's assets.

• Current ratio is calculated by dividing current assets by current liabilities

• Acceptable current ratio varies by industry, but generally a ratio of 2:1 is considered good

• Leverage is calculated by dividing total debt by total assets

• Acceptable leve...read more