Bandhan Bank Assistant Vice President Interview Questions and Answers

Q1. Balance sheet Analysis and how to analyse clients requirements
Ans. 
Balance sheet analysis involves evaluating a company's financial health by examining its assets, liabilities, and equity.
• Analyzing the balance sheet involves calculating key financial ratios such as current ratio, debt-to-equity ratio, and return on equity.

• Understanding clients' requirements involves assessing their financial goals, risk tolerance, and investment preferences.

• Tailoring financial solutions to meet client...read more
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Q1. Current Package and expected CTC
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Q1. Professional experience
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Q2. About Collection process
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Q1. Details review about profile
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Q1. Reason for job change and how are my skill useful for current job
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Q2. Reason for choosing idfc
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Q1. Challenges of working In new bank
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Q1. Basic introduction
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Q2. Work profile in previous company
Ans. 
I was responsible for managing a team and overseeing daily operations in my previous company.
• Managed a team of 10 employees

• Oversaw daily operations and ensured smooth workflow

• Implemented new strategies to improve efficiency

• Collaborated with other departments to achieve company goals

• Handled client relationships and resolved any issues

• Trained and mentored new employees
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Q3. Why do you want to leave previous company
Ans. 
Seeking new challenges and growth opportunities
• Looking for a more challenging role

• Seeking career advancement and growth

• Want to broaden my skillset and experience

• Desire to work in a different industry or sector

• Company restructuring or downsizing

• Relocation or commute issues
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Q4. Positives and negatives about past company
Ans. 
The past company had a strong team and good work-life balance, but lacked innovation and growth opportunities.
• Positive: Strong team

• Positive: Good work-life balance

• Negative: Lack of innovation

• Negative: Limited growth opportunities
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Q5. Can you handle work pressure
Ans. 
Yes, I can handle work pressure effectively by prioritizing tasks, managing time efficiently, and staying calm under stressful situations.
• I have experience in handling high-pressure situations in my previous roles.

• I am skilled at prioritizing tasks and managing my time effectively to meet deadlines.

• I remain calm and composed under stressful situations, which helps me make rational decisions.

• I have developed strong prob...read more
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Psychometric test related to your behavior and nature

Q1. Will ask about achievement in previous organization
Ans. Maximum they look for your network and they try to understand how many customers you can get to RBL Bank
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Discussion on business growth and processing of credit proposals

Q1. How to obtain Credit Rating of an SME customer
Ans. 
Obtain credit rating of an SME customer by analyzing financial statements, credit reports, and industry trends.
• Request financial statements from the SME customer

• Analyze the financial statements to assess the financial health of the SME

• Obtain credit reports from credit rating agencies like Moody's or S&P

• Consider industry trends and economic factors that may impact the credit rating

• Consult with credit analysts or financi
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Q2. How liquidity ratio of a Bank depends their growth? What you mean by vertical growth?
Ans. 
Liquidity ratio of a bank impacts its growth by determining its ability to meet short-term obligations. Vertical growth refers to expansion within the same industry.
• Liquidity ratio measures a bank's ability to meet short-term liabilities with its short-term assets.

• A higher liquidity ratio indicates a bank has more assets readily available to cover its liabilities, which can support growth by providing financial stabili...read more
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Q3. What is rural banking
Ans. 
Rural banking refers to banking services provided in rural areas to cater to the financial needs of the rural population.
• Rural banking focuses on providing financial services to people living in rural and remote areas.

• It includes services like savings accounts, loans, insurance, and other financial products tailored to the needs of rural customers.

• Rural banks often have branches in small towns and villages to ensure ac...read more
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Q4. Who appoint Ombudsman
Ans. 
The Ombudsman is appointed by the President of the country.
• The Ombudsman is appointed by the President of the country.

• The appointment of the Ombudsman is usually based on recommendations from a selection committee.

• The Ombudsman is responsible for investigating complaints against government officials and agencies.

• The Ombudsman serves as an independent and impartial mediator between the government and the public.
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Q5. How to calculate current asset
Ans. 
Current assets can be calculated by adding together all assets that are expected to be converted into cash or used up within one year.
• Calculate current assets by adding together cash, accounts receivable, inventory, and other assets expected to be converted into cash within one year.

• Exclude long-term assets such as buildings or equipment from the calculation.

• Examples of current assets include cash, marketable securitie
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