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Central Bank of India Analyst Interview Questions and Answers
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Anonymous
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I applied via Naukri.com and was interviewed in Feb 2023. There were 3 interview rounds.
Basic maths and english and banking awareness
Group discussion on banking fraud and recent innovation
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I applied via Company Website and was interviewed in Oct 2024. There was 1 interview round.
(9 Questions)
- Q1. What are diiferent types of securities?
- Ans.
Different types of securities include stocks, bonds, options, and mutual funds.
Stocks represent ownership in a company
Bonds are debt securities issued by governments or corporations
Options give the holder the right to buy or sell an asset at a specified price
Mutual funds pool money from multiple investors to invest in a diversified portfolio
Other types include ETFs, futures, and derivatives
- Q2. What is Capital markets?
- Ans.
Capital markets are financial markets where long-term debt or equity-backed securities are bought and sold.
Capital markets facilitate the buying and selling of long-term financial instruments such as stocks and bonds.
They provide a platform for companies and governments to raise funds for various projects and initiatives.
Investors can trade securities in the capital markets to earn returns on their investments.
Examples...
- Q3. What are Corporate actions?
- Ans.
Corporate actions are events initiated by a public company that can affect its stock price or ownership structure.
Corporate actions include dividends, stock splits, mergers, acquisitions, spin-offs, and rights issues.
These actions can impact shareholders by changing the value of their investments or the number of shares they own.
Investors need to stay informed about corporate actions to make informed decisions about th
- Q4. If bonus declared by company then its effect on company's balance sheet (basically journal)?
- Q5. If bond fv 100 issued at discount at 98 and giving fixed return @ 10%, then what is actual rate of return is it more or less than 10% and method is used for its calculation what it is called?
- Ans.
The actual rate of return is more than 10% due to the bond being issued at a discount. The method used for its calculation is Yield to Maturity (YTM).
Bond issued at discount means the actual rate of return is higher than the fixed rate.
Yield to Maturity (YTM) is used to calculate the actual rate of return on a bond.
YTM takes into account the bond's current market price, par value, coupon payments, and time to maturity.
- Q6. If company declared dividend but not paid, then its effect on balance sheet of holder of shares?
- Ans.
If a company declares a dividend but does not pay it, the balance sheet of the shareholder will show an increase in their retained earnings and a corresponding decrease in their cash or assets.
The shareholder's equity will increase by the amount of the declared dividend.
The company's liabilities will also increase by the same amount until the dividend is paid.
The shareholder will see an increase in their retained earni...
- Q7. Mutual fund boughts shares, its journal on trade date and settlement date?
- Ans.
Mutual fund buys shares on trade date and settles on settlement date.
Mutual fund purchases shares on the trade date, which is the date the transaction is executed.
Settlement date is the date on which the mutual fund actually pays for the shares and receives ownership.
The journal entry on the trade date would debit the investment account and credit the cash account.
The journal entry on the settlement date would reverse ...
- Q8. Types of Investment opportunities?
- Ans.
Investment opportunities include stocks, bonds, real estate, commodities, and startups.
Stocks - buying shares of a company
Bonds - lending money to a corporation or government
Real estate - purchasing property for rental income or appreciation
Commodities - investing in physical goods like gold or oil
Startups - funding early-stage companies in exchange for equity
- Q9. What is derivatives and different types?
- Ans.
Derivatives are financial instruments whose value is derived from an underlying asset or group of assets.
Types of derivatives include futures, options, swaps, and forwards.
Futures contracts obligate the buyer to purchase an asset at a specific price on a future date.
Options give the buyer the right, but not the obligation, to buy or sell an asset at a predetermined price within a specified timeframe.
Swaps involve the e...
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I applied via LinkedIn and was interviewed in Nov 2024. There were 2 interview rounds.
Only we can determine how easy it was.
(3 Questions)
- Q1. Can you tell me about yourself?
- Ans.
I am a dedicated and detail-oriented analyst with a strong background in data analysis and problem-solving.
I have a Bachelor's degree in Statistics from XYZ University.
I have 3 years of experience working as a data analyst at ABC Company.
I am proficient in using statistical software such as R and Python for data analysis.
I have a proven track record of delivering actionable insights to drive business decisions.
- Q2. They ask about your work experience?
- Q3. Based on your work experience, what questions do you expect to be asked?
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(2 Questions)
- Q1. Accounting entries for Bond
- Ans.
Accounting entries for bonds involve recording the issuance, interest expense, and amortization of premium or discount.
Record issuance of bonds at face value as a liability and cash received as an asset
Recognize interest expense over time using effective interest rate method
Amortize premium or discount on bonds using straight-line or effective interest rate method
- Q2. What is Credit Default Swap
- Ans.
A Credit Default Swap (CDS) is a financial derivative contract that allows an investor to hedge against the risk of default on a debt instrument.
CDS is essentially a form of insurance against the default of a borrower or issuer of a debt security.
The buyer of a CDS makes periodic payments to the seller in exchange for protection against default on a specified debt obligation.
If the borrower defaults, the seller of the ...
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Vatsala Rathore
(2 Questions)
- Q1. OOPS abstraction
- Q2. Palindrome question
I applied via Recruitment Consulltant and was interviewed in Aug 2024. There was 1 interview round.
(2 Questions)
- Q1. Why do you want to join us?
- Ans.
I am impressed by your company's reputation for innovative solutions and strong team collaboration.
I am drawn to your company's commitment to excellence in analytics
I am excited about the opportunity to work with a talented team of analysts
I believe my skills and experience align well with the challenges your company faces
- Q2. Where do you see yourself in five years?
- Ans.
In five years, I see myself as a senior analyst leading a team and making significant contributions to the company's growth.
Leading a team of analysts
Making significant contributions to company growth
Continuing professional development and learning new skills
Building strong relationships with colleagues and clients
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Mariah Suresh
30 minutes, numerical type
(2 Questions)
- Q1. Tell about yourself
- Q2. Tell about your one achievement
I applied via Walk-in and was interviewed in May 2022. There was 1 interview round.
(2 Questions)
- Q1. Assked ABOUT School achievement. Interest in sports extra curriculum activists wtc
- Q2. Current finance minister
- Ans.
The current finance minister of the country is Nirmala Sitharaman.
Nirmala Sitharaman became the finance minister in May 2019.
She is the first full-time female finance minister of India.
She has presented two Union Budgets so far, in 2019 and 2020.
She has also introduced several economic reforms and policies, such as the Corporate Tax Cut and the Atmanirbhar Bharat Abhiyan.
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I applied via Recruitment Consulltant and was interviewed in Mar 2024. There was 1 interview round.
(5 Questions)
- Q1. Details of past projects? Models worked on, comparison of models
- Q2. Why logistic regression over random forests?
- Ans.
Logistic regression is preferred for interpretability and simplicity compared to random forests.
Logistic regression is a linear model that is easier to interpret and implement compared to the complex ensemble method of random forests.
Logistic regression is better suited for binary classification problems where the relationship between the independent variables and the outcome is linear.
Random forests are more computati...
- Q3. Explain classification models and how they work
- Ans.
Classification models are used to predict the category or class of a new observation based on past data.
Classification models assign new data points to a specific category or class based on patterns in the training data.
Common classification algorithms include logistic regression, decision trees, random forests, and support vector machines.
These models are evaluated based on metrics like accuracy, precision, recall, an...
- Q4. How do you assess model performance?
- Ans.
Model performance can be assessed using various metrics such as accuracy, precision, recall, F1 score, ROC curve, and confusion matrix.
Evaluate accuracy to measure overall correctness of the model's predictions.
Use precision to assess the proportion of true positive predictions among all positive predictions.
Consider recall to evaluate the proportion of true positive predictions among all actual positives.
Calculate F1 ...
- Q5. Assumptions of Linear Regression
- Ans.
Assumptions of Linear Regression include linearity, independence, homoscedasticity, and normality.
Linearity: The relationship between the independent and dependent variables is linear.
Independence: The residuals are independent of each other.
Homoscedasticity: The variance of the residuals is constant across all levels of the independent variables.
Normality: The residuals are normally distributed.
Example: If we are pred...
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Skills evaluated in this interview
I applied via Walk-in and was interviewed in Jul 2024. There were 2 interview rounds.
General discussion, HR round and Manger Round
(2 Questions)
- Q1. JD related questions
- Q2. Technical questions
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