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RBI has issued recent directions on willful defaulters to prevent loan defaults and improve credit discipline.
RBI has mandated banks to report all willful defaulters to Credit Information Companies (CICs).
The central bank has also directed banks to publish photographs of willful defaulters in newspapers.
RBI has set up a Central Repository of Information on Large Credits (CRILC) to track defaulters with exposure of Rs. ...
Bank of Maharashtra offers various MSME products to support small and medium enterprises.
BOM offers MSME loans for working capital, term loans, and project finance.
They provide customized financial solutions based on the needs of the MSME sector.
BOM also offers trade finance facilities like letter of credit and bank guarantees to MSMEs.
The bank has specific schemes like Stand-Up India and Mudra Yojana to support MSMEs.
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IBPS takes test moderate to high
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
Calculate working capital by subtracting current liabilities from current assets.
A positive working capital indicates the company has enough assets to cover its short-term debts.
A negative working capital may signal financial trouble and the need for additional fu...
I am passionate about finance and have a strong desire to help individuals and businesses achieve their financial goals.
Passion for finance and helping others
Desire to assist individuals and businesses with financial goals
Interest in the banking industry
Seeking opportunities for professional growth and development
I applied via Company Website and was interviewed before Mar 2022. There were 2 interview rounds.
I applied via Campus Placement and was interviewed before Jul 2022. There were 3 interview rounds.
On general agenda and banking
Recession is a period of economic decline characterized by a decrease in GDP, employment, and consumer spending.
Recession is a normal part of the economic cycle, typically lasting 6-18 months.
Effects of recession include higher unemployment rates, decreased consumer confidence, and reduced business investment.
During a recession, credit risk increases as borrowers may struggle to repay loans.
Credit officers must closely...
I applied via Approached by Company and was interviewed before Apr 2021. There were 3 interview rounds.
I applied via Referral and was interviewed before May 2020. There were 4 interview rounds.
I applied via Referral and was interviewed before Apr 2019. There were 3 interview rounds.
Credit refers to the ability of a borrower to receive funds from a lender with the promise of repayment with interest.
Credit is a financial tool used by individuals and businesses to access funds they may not have immediately available.
Credit can come in many forms, such as loans, credit cards, and lines of credit.
Credit is typically granted based on the borrower's creditworthiness, which is determined by factors such ...
I applied via Company Website and was interviewed before Jul 2020. There was 1 interview round.
I applied via Company Website and was interviewed before Oct 2019. There were 3 interview rounds.
The latest banking and economic news covers topics such as interest rates, inflation, and economic growth.
The Federal Reserve recently announced that they will keep interest rates near zero until 2023.
Inflation has been rising due to supply chain disruptions and increased demand.
The US economy grew at an annual rate of 6.4% in the first quarter of 2021.
The stock market has been volatile due to concerns about inflation ...
Cash credit is a loan given against inventory or receivables, while overdraft is a facility to withdraw more than the available balance.
Cash credit is a short-term loan given to businesses to meet their working capital needs.
It is secured against inventory or receivables.
Interest is charged only on the amount utilized.
Overdraft is a facility given to account holders to withdraw more than the available balance in their ...
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Manager
210
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Senior Manager
130
salaries
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Deputy Manager
78
salaries
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Branch Manager
77
salaries
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Chief Manager
60
salaries
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State Bank of India
ICICI Bank
HDFC Bank
Axis Bank