70+ DBS Bank Interview Questions and Answers

Given a binary matrix, perform queries to flip elements in rows/columns and count zeros in rows/columns.

• Iterate through each query and update the matrix accordingly

• For type 1 queries, flip the elements in the specified row/column

• For type 2 queries, count the number of zeros in the specified row/column

• Return the count of zeros for type 2 queries

The interview questions cover a wide range of topics including software engineering, technology, design patterns, databases, web development, and more.

• The questions cover topics such as technology used, collections, streams, design patterns, dependency injection, microservices, database communication, annotations in Spring, React and JavaScript, Redux, API development, SOAP-based web services, Jenkins, Docker, production support, and more.

• Some specific questions include the d...read more

To implement REST API, follow these steps:

• Define the resources and their URIs

• Define the HTTP methods (GET, POST, PUT, DELETE)

• Implement the methods using a programming language

• Test the API using tools like Postman

• Document the API using tools like Swagger

To increase business, focus on customer satisfaction and retention through personalized communication and exceptional service.

• Offer personalized communication and tailored solutions to meet customer needs

• Provide exceptional service and go above and beyond to exceed customer expectations

• Regularly follow up with customers to ensure satisfaction and address any concerns

• Offer loyalty programs and incentives to encourage repeat business

• Utilize social media and other marketing chan...read more

CASA stands for Current Account and Savings Account. Insurance refers to the coverage provided for potential risks. DBS is a reputable bank known for its customer-centric approach and wide range of products. Third party products are financial products offered by entities other than the bank. Handling customers involves effective communication, understanding their needs, and providing suitable solutions. Minimum balance maintenance is pitched to customers who can benefit from ...read more

Shrinkage can be calculated by dividing the difference between actual and expected values by the expected value.

• Calculate expected value of a variable

• Calculate actual value of the same variable

• Subtract actual value from expected value

• Divide the difference by expected value to get shrinkage percentage

• Example: If expected sales are $100,000 and actual sales are $80,000, the shrinkage percentage is 20%

n+1 issue in Hibernate refers to the problem of excessive database queries being executed due to lazy loading.

• Occurs when a query fetches an entity and its associated entities one at a time instead of all at once

• Can be solved by using eager loading or batch fetching

• Can also be solved by using a join fetch query

• Can lead to performance issues and slow down the application

If I wake up on the Moon, I would assess the situation, gather information, and take necessary actions to ensure my safety and survival.

• Assess the surroundings and determine the level of danger

• Check for available resources and supplies

• Establish communication with Earth and inform them about the situation

• Evaluate the possibility of returning to Earth or seeking assistance

• Take necessary precautions to protect myself from the harsh lunar environment

Example code using @OneToMany and @ManyToOne annotations

• Create two entities, one with @OneToMany and the other with @ManyToOne annotation

• Use mappedBy attribute in @OneToMany to specify the relationship

• Use joinColumn attribute in @ManyToOne to specify the foreign key column

• Example: User has many Posts, Post belongs to one User

Using stream, find the second largest number.

• Sort the stream in descending order and return the second element.

• Use the reduce() method to compare and find the second largest number.

• Create a priority queue and add elements to it. Pop the second largest element from the queue.

Service level is calculated by dividing the number of calls answered within a certain time frame by the total number of calls received.

• Determine the time frame for which you want to calculate the service level

• Count the number of calls received during that time frame

• Count the number of calls answered within the specified time frame

• Divide the number of calls answered by the total number of calls received and multiply by 100 to get the service level percentage

• For example, if you...read more

Hibernate supports two types of caches: Level 1 (session) cache and Level 2 (SessionFactory) cache.

• Level 1 cache is associated with the session object and is enabled by default.

• Level 2 cache is shared across sessions and requires configuration.

• Level 2 cache can be implemented using various providers like Ehcache, Infinispan, Hazelcast, etc.

Yes, I am open to relocate. Ideally within the next 2-3 months.

• I am willing to relocate for the right opportunity

• I am flexible with the timeline, but ideally within the next 2-3 months

• I am open to discussing relocation packages and assistance

Java programs output can be determined by running the code and observing the console or log files.

• Compile the Java code using a compiler like javac

• Run the compiled code using the Java Virtual Machine (JVM)

• Observe the output in the console or log files

• Output can be text, numbers, or other data types

Key indicators include volume, price trends, volatility, and market sentiment.

• Volume: High trading volume can indicate market interest and liquidity.

• Price trends: Analyzing price movements over time can reveal patterns and potential opportunities.

• Volatility: Monitoring price fluctuations can help assess risk and potential returns.

• Market sentiment: Sentiment indicators like news sentiment or social media sentiment can provide insights into market behavior.

Acquisition refers to the process of acquiring or obtaining something, such as a company, asset, or skill.

• Acquisition can refer to the purchase of a company by another company, such as when Facebook acquired Instagram.

• It can also refer to the acquisition of assets, such as when a business acquires new equipment or property.

• Acquisition can also refer to the process of obtaining a new skill or knowledge, such as through education or training.

• In the context of government, acquis...read more

Java 8 introduced several new features including lambda expressions, streams, and functional interfaces.

• Lambda expressions allow for functional programming and simplify code

• Streams provide a way to process collections of data in a functional way

• Functional interfaces allow for the use of lambda expressions

• Default methods allow for adding methods to interfaces without breaking existing implementations

• Date and time API improvements

• Nashorn JavaScript engine integration

I have over 5 years of experience analyzing trading data for various financial institutions.

• Analyzed market trends and patterns to make informed trading decisions

• Utilized statistical models and algorithms to forecast market movements

• Worked with large datasets to identify trading opportunities

• Collaborated with traders and portfolio managers to optimize trading strategies

Common mistakes traders make when analyzing data

• Overlooking important data points

• Relying too heavily on historical data

• Ignoring market trends and news updates

• Failing to consider external factors impacting the market

• Not using proper risk management strategies

Spring Boot provides transaction management support through the use of @Transactional annotation.

• Spring Boot uses the @Transactional annotation to manage transactions.

• The @Transactional annotation can be applied to methods or classes.

• Spring Boot supports both programmatic and declarative transaction management.

• Programmatic transaction management involves using the TransactionTemplate class.

• Declarative transaction management involves using the @Transactional annotation.

• Spring ...read more

To get good number of corporate leads from the market, focus on networking, targeted marketing, and providing value.

• Build a strong network by attending industry events, joining relevant online communities, and connecting with potential leads on social media.

• Create targeted marketing campaigns that speak directly to the pain points and needs of corporate clients.

• Provide value through informative content, webinars, and workshops that showcase your expertise and attract corporat...read more

Streams are a sequence of data elements that can be processed in parallel or sequentially. They are used in various applications.

• Streams are used for data processing, such as filtering, mapping, and reducing.

• They are also used for I/O operations, such as reading and writing files or network sockets.

• Streams can be parallelized to improve performance on multi-core systems.

• Examples of stream-based APIs include Java 8 Streams, Node.js Streams, and Apache Kafka Streams.

Spring Boot is a framework for building standalone, production-grade Spring-based applications.

• Provides a simplified way to create Spring applications with minimal configuration

• Includes an embedded Tomcat, Jetty or Undertow server for easy deployment

• Supports auto-configuration, which automatically configures Spring based on dependencies

• Offers a wide range of starter dependencies for common use cases

• Enables easy integration with other Spring projects like Spring Data, Spring S...read more

The banking industry is expected to grow steadily in the coming years.

• The rise of digital banking has increased accessibility and convenience for customers.

• Emerging markets present opportunities for expansion.

• Regulatory changes may impact growth potential.

• Competition from fintech startups is increasing.

• COVID-19 has caused some disruptions but also accelerated digital transformation.

• Overall, the industry is adapting to changing customer needs and technological advancements.

Yes, I have knowledge about home loans, loans against property, and business loans.

• I have experience in processing and approving home loans for customers based on their financial eligibility.

• I am familiar with the documentation required for loans against property, such as title deeds and income proof.

• I have worked on evaluating business loan applications and assessing the creditworthiness of applicants.

• I understand the interest rates, repayment terms, and eligibility criteria...read more

I ensure clear communication and collaboration with domain leads to set project goals, timelines, and expectations.

• Regular meetings with domain leads to discuss project progress and address any issues

• Clearly define project deliverables and expectations with input from domain leads

• Collaborate with domain leads to prioritize tasks and allocate resources effectively

• Provide regular updates to stakeholders on project status and milestones

• Seek feedback from domain leads to continuo...read more

Culture and environment play a crucial role in fostering growth and productivity.

• A positive and inclusive culture encourages collaboration and innovation.

• Clear communication and transparency promote trust and accountability.

• Providing opportunities for learning and development motivates employees to improve.

• Recognition and rewards for achievements boost morale and engagement.

• A safe and comfortable physical environment enhances well-being and productivity.

Final assurance of achieving target is through continuous monitoring, adjusting strategies, and team collaboration.

• Regularly track progress towards the target

• Analyze data to identify areas of improvement

• Adjust strategies based on feedback and results

• Collaborate with team members to ensure everyone is aligned and working towards the same goal

A help desk kiosk system for a bank to assist customers with their queries and transactions.

• Include touch screen interface for easy navigation

• Provide options for common banking tasks such as account balance check, fund transfer, bill payment

• Integrate with bank's database for real-time information

• Offer language options for multilingual customers

• Include a printer for transaction receipts

Implementing a transaction fraud detection system

• Utilize machine learning algorithms to analyze transaction patterns and detect anomalies

• Implement real-time monitoring to flag suspicious transactions

• Utilize historical data to train the system and improve accuracy

• Implement multi-factor authentication for high-risk transactions

• Collaborate with financial institutions and law enforcement agencies to share information and improve fraud detection

I approach analyzing trading data by utilizing a combination of technical analysis, fundamental analysis, and market trends.

• Utilize technical analysis tools such as moving averages, RSI, and MACD to identify patterns and trends

• Conduct fundamental analysis by examining financial statements, company news, and economic indicators to assess the underlying value of assets

• Stay informed about market trends, geopolitical events, and economic data to anticipate potential market moveme...read more

Repo rate is the rate at which the central bank lends money to commercial banks, while reverse repo rate is the rate at which commercial banks can park their excess funds with the central bank.

• Repo rate is used by the central bank to control inflation and liquidity in the economy.

• Reverse repo rate is used by the central bank to absorb excess liquidity from the market.

• Repo rate is higher than reverse repo rate.

• Example: If the repo rate is 5% and the reverse repo rate is 4%, it...read more

Verification process for onboarding a customer involves collecting and verifying their identity and financial information.

• Collecting customer's personal information such as name, address, date of birth, and identification documents

• Verifying the authenticity of the identification documents provided

• Conducting background checks to ensure the customer is not involved in any illegal activities

• Assessing the customer's risk profile based on their financial transactions and source of...read more

To bring NTB corporate on-board, establish clear communication channels, showcase benefits of collaboration, and address any concerns or objections.

• Establish clear communication channels to facilitate smooth collaboration

• Showcase the benefits of partnering with the company, such as increased market reach or access to new technologies

• Address any concerns or objections NTB corporate may have, and provide solutions or reassurances

• Offer incentives or perks to entice NTB corporate...read more

UAT testing is the process of testing a software application by the end-users to ensure its usability, functionality, and compatibility.

• UAT stands for User Acceptance Testing

• It is the final phase of testing before the software is released to the market

• It is performed by the end-users to ensure that the software meets their requirements

• It focuses on the usability, functionality, and compatibility of the software

• It helps to identify any issues or bugs that were not caught durin...read more

I have been using Java for 5 years in various projects and roles.

• 5 years of experience with Java programming language

• Worked on multiple projects involving Java development

• Experience in developing microservices using Java

• Familiar with Java frameworks like Spring Boot

Working capital products are essential for SMEs, MSMEs, and mid-corporate clients to manage their day-to-day operational expenses.

• Working capital loans provide short-term financing to cover expenses like inventory, payroll, and accounts payable.

• Revolving credit lines allow businesses to borrow funds as needed and repay them to access more capital.

• Invoice financing helps SMEs unlock cash tied up in unpaid invoices by receiving a percentage upfront from a lender.

• Supply chain fi...read more

Reassuring the interviewer about the reliability of the results

• Highlight the thoroughness of the process followed to obtain the results

• Mention any quality control measures implemented to ensure accuracy

• Provide examples of successful outcomes or positive feedback received

• Discuss any certifications or accreditations that validate the results

Selenium is an open-source automation testing tool used for web application testing.

• Selenium supports multiple programming languages like Java, Python, C#, etc.

• It can automate web browsers like Chrome, Firefox, Safari, etc.

• Selenium can perform various testing types like functional, regression, and load testing.

• It can also interact with web elements like buttons, text fields, etc.

• Selenium can be integrated with other tools like Jenkins, TestNG, etc. for continuous integration ...read more

The question is unclear. Can you please rephrase it?

• Please provide more context or clarify the question

• I am not sure what you are asking for

• Can you please repeat the question or provide more information?

LLP account opening requires documents for identity, address, and business proof.

• Identity proof documents like PAN card, Aadhaar card, passport, etc.

• Address proof documents like utility bills, bank statements, etc.

• Business proof documents like LLP agreement, registration certificate, etc.

• Photographs of partners and authorized signatories.

• KYC documents of partners and authorized signatories.

• In case of foreign nationals, additional documents like passport and visa may be requir...read more

I use my skills by identifying the needs of the organization and applying my expertise to fulfill those needs.

• Assess the needs of the organization

• Identify areas where my skills can be applied

• Collaborate with colleagues to develop solutions

• Continuously improve my skills to stay relevant

• Examples: Using my communication skills to improve team collaboration, utilizing my analytical skills to identify cost-saving opportunities

Dealing with posh cases requires a combination of tact, empathy, and professionalism.

• Listen actively and attentively to understand the client's needs and concerns.

• Maintain a calm and composed demeanor, even in challenging situations.

• Offer personalized solutions and demonstrate expertise to build trust.

• Handle any conflicts or complaints with diplomacy and a focus on finding resolutions.

• Provide exceptional customer service and go the extra mile to exceed expectations.

• Maintain c...read more

I am passionate about finance and enjoy analyzing market trends and economic indicators.

• Fascinated by the complexity and dynamics of financial markets

• Enjoy analyzing economic indicators and market trends

• Opportunity to work with diverse financial products and services

• Interest in understanding the impact of global events on the financial sector

I have experience in cross selling insurance products to banking customers.

• Successfully promoted insurance products to existing bank customers

• Utilized customer data to identify potential insurance needs

• Provided personalized recommendations based on customer's financial situation

• Collaborated with insurance agents to offer comprehensive solutions

To improve CASA of a bank, focus on customer engagement and offer attractive interest rates.

• Offer higher interest rates on savings accounts to attract more customers

• Provide personalized services to customers to increase engagement and loyalty

• Introduce referral programs to encourage existing customers to bring in new customers

• Launch promotional campaigns to create awareness about the benefits of CASA

• Streamline the account opening process to make it easier for customers to open...read more

Yes, I can speak three languages fluently.

• I am fluent in English, Spanish, and French.

• I have studied and practiced these languages for many years.

• Being multilingual allows me to effectively communicate with a diverse range of clients and understand their cultural backgrounds.

Solid notes can be identified by their clear and concise information, organized structure, and relevance to the topic.

• Look for notes that are well-organized with headings, bullet points, or numbered lists.

• Check if the notes contain key information related to the topic or subject matter.

• Solid notes should be easy to read and understand, with important points highlighted or emphasized.

• Avoid notes that are messy, disorganized, or contain irrelevant information.

• Examples: Cornell ...read more

Handling grievances requires active listening, empathy, and a solution-oriented approach.

• Listen actively to the person's complaint and acknowledge their feelings.

• Show empathy and understanding towards their situation.

• Offer a solution or propose a plan of action to address their grievance.

• Follow up with the person to ensure their grievance has been resolved to their satisfaction.

• Maintain a professional and respectful demeanor throughout the process.

I handle a range of financial products to meet client needs and goals.

• Identify client needs and goals

• Offer suitable financial products

• Provide guidance and advice on product features and benefits

• Ensure compliance with regulations and policies

• Monitor and review product performance

• Examples: investment products, insurance policies, loans, credit cards

Product handling involves managing the movement, storage, and distribution of products to ensure they reach customers in good condition.

• Organizing inventory to easily locate products

• Properly packaging products to prevent damage during transportation

• Following safety protocols when handling hazardous materials

• Implementing quality control measures to ensure product integrity

• Utilizing equipment such as forklifts or conveyor belts for efficient handling

DBS stands for Deep Brain Stimulation, a surgical procedure used to treat a variety of neurological disorders.

• DBS involves implanting electrodes in specific areas of the brain to deliver electrical impulses.

• It is commonly used to treat conditions such as Parkinson's disease, essential tremor, and dystonia.

• DBS can help improve motor symptoms, reduce medication needs, and enhance quality of life for patients.

• The procedure is reversible and adjustable, allowing for personalized ...read more

Branch audit involves auditing the operations and financial transactions of a specific branch of an organization.

• It includes verifying the accuracy of financial statements and compliance with laws and regulations.

• It also involves assessing the effectiveness of internal controls and identifying areas for improvement.

• Examples include auditing a bank branch's loan portfolio or a retail store's inventory management.

• Branch audit is typically conducted by external auditors or inter...read more

Cheque is a negotiable instrument where the payment is made directly from the payer's account, while a demand draft is a prepaid instrument where the payment is guaranteed by the issuing bank.

• Cheque is drawn by the account holder on his own account, while a demand draft is issued by the bank on behalf of the payer.

• Cheque can bounce if there are insufficient funds in the account, while a demand draft is prepaid and guaranteed by the bank.

• Cheque can be stopped or cancelled by t...read more

The expectation is to effectively lead and manage teams, drive strategic initiatives, and achieve organizational goals.

• Demonstrate strong leadership skills in guiding and motivating teams

• Develop and implement strategic plans to drive growth and success

• Ensure alignment of team goals with organizational objectives

• Track progress and performance metrics to measure success

• Communicate effectively with stakeholders at all levels

JVM is the Java Virtual Machine that executes Java bytecode, JDK is the Java Development Kit for developing Java applications, and JRE is the Java Runtime Environment for running Java applications.

• JVM is a virtual machine that executes Java bytecode, providing a runtime environment for Java programs.

• JDK is a development kit that includes tools for developing, debugging, and monitoring Java applications.

• JRE is a runtime environment that provides the necessary libraries and com...read more

HTML is a markup language used for creating web pages.

• HTML stands for HyperText Markup Language.

• It is used to structure content on the web.

• HTML uses tags to define elements such as headings, paragraphs, images, and links.

• Example: <h1>This is a heading</h1>

NRO account is for income earned in India, NRE account is for income earned outside India

• NRO account is a savings or current account for NRIs to manage their income earned in India

• NRE account is a savings or current account for NRIs to manage their income earned outside India

• NRO account is subject to Indian taxes, while NRE account is tax-free

• NRO account can be opened with Indian or foreign currency, while NRE account can only be opened with foreign currency

Spring Boot is a framework that provides features like auto-configuration, embedded servers, and easy dependency management.

• Auto-configuration: Spring Boot automatically configures the application based on the dependencies added to the project.

• Embedded servers: Spring Boot comes with an embedded Tomcat, Jetty, or Undertow server, which makes it easy to deploy the application.

• Easy dependency management: Spring Boot manages the dependencies and their versions, which reduces the...read more

My current CTC is $60,000 per year.

• My current CTC is $60,000 per year

• I am open to discussing salary expectations during the interview process

• I am looking for a competitive compensation package based on my experience and skills

Technical workflows of BA involve understanding and analyzing complex systems to identify areas for improvement.

• Identifying business needs and requirements

• Analyzing data and processes

• Creating functional specifications

• Collaborating with developers and stakeholders

• Testing and validating solutions

• Documenting and communicating findings

OOPs concepts in Java include inheritance, polymorphism, encapsulation, and abstraction.

• Inheritance allows a class to inherit properties and methods from another class.

• Polymorphism allows objects to take on multiple forms and behave differently based on their context.

• Encapsulation is the practice of hiding implementation details and only exposing necessary information.

• Abstraction is the process of creating a simplified representation of a complex system.

• Examples include creat...read more

The candidate should be prepared to discuss their experience and strategies for managing relationships with clients in a specific industry vertical.

• Highlight experience working with clients in the specific industry vertical

• Discuss successful strategies for building and maintaining relationships with clients in that industry

• Provide examples of successful client interactions and outcomes in the industry vertical

The question is asking about working with family details in the context of a gold loan executive role.

• Discuss the importance of understanding and documenting family details of customers applying for gold loans

• Explain how family details can help in assessing the credibility and repayment capacity of the borrower

• Mention the need for maintaining confidentiality and privacy of family information

• Provide examples of how family details can be used to establish a relationship with cu...read more

Building a pipeline involves creating a series of interconnected data processing steps to move and transform data from source to destination.

• Identify data sources and destinations

• Determine the data processing steps required

• Choose appropriate tools and technologies

• Design and implement the pipeline

• Monitor and maintain the pipeline

I have over 5 years of experience in ensuring compliance with regulations and standards in various industries.

• Implemented and maintained compliance programs to meet regulatory requirements

• Conducted regular audits to identify and address compliance issues

• Developed policies and procedures to ensure adherence to regulations

• Provided training to staff on compliance matters

• Collaborated with regulatory agencies to address any compliance concerns

MVVM architecture is a design pattern that separates the user interface from the business logic and data model.

• Model-View-ViewModel pattern

• View is responsible for displaying data and handling user interactions

• ViewModel acts as an intermediary between the View and Model

• Model represents the data and business logic

• Promotes separation of concerns and testability

I have experience in developing applications using various programming languages and frameworks.

• I have developed applications using languages such as Java, Python, and JavaScript.

• I am familiar with frameworks like Spring Boot, Django, and React.

• I have experience in database design and implementation using SQL and NoSQL databases.

• I have worked on both front-end and back-end development of applications.

• I have experience in version control systems like Git for collaborative deve...read more

I have 5 years of sales experience in the pharmaceutical industry.

• Worked as a sales representative for a pharmaceutical company

• Achieved 120% of sales target consistently for 3 years

• Developed strong relationships with healthcare professionals

• Attended sales training programs to enhance skills

• Utilized CRM software to track sales activities