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DCB Bank
Proud winner of ABECA 2024 - AmbitionBox Employee Choice Awards
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I was interviewed before Apr 2016.
Digitalization is helping banks in multiple ways.
Improving customer experience through online banking and mobile apps
Reducing operational costs through automation and digitization of processes
Enhancing risk management through data analytics and AI
Enabling faster and more efficient transactions through blockchain technology
Expanding customer base through digital marketing and social media
Providing personalized financial...
Demonetization had a mixed impact on the banking sector.
Initial impact was negative due to liquidity crunch and increased NPAs
However, in the long run, it led to increased deposits and digital transactions
Banks had to invest in technology to support digital transactions
Demonetization also led to increased financial inclusion and formalization of the economy
Banks use various financial statements for credit calculations.
Income statement
Balance sheet
Cash flow statement
Statement of retained earnings
Financial ratios
Credit reports
Demonetisation had a mixed impact on SMEs in India.
SMEs with a large cash component were hit hard initially
Digital payments and formalisation of the economy benefited some SMEs
Overall, the impact on SMEs was not as severe as on larger businesses
SMEs in rural areas faced more challenges due to lack of digital infrastructure
Some SMEs had to shut down due to cash flow issues
DCB Bank's market share and market capitalisation are as follows:
As of August 2021, DCB Bank's market share in terms of deposits was 0.7%.
As of August 2021, DCB Bank's market capitalisation was approximately INR 5,800 crores.
DCB Bank's market share and market capitalisation may fluctuate over time based on various factors such as economic conditions, competition, and regulatory changes.
Top trending discussions
posted on 13 Jul 2023
I applied via Recruitment Consulltant and was interviewed in Jun 2023. There were 3 interview rounds.
EAD is calculated using the formula EAD = Exposure at Default = PD x LGD x EAD
Calculate Probability of Default (PD) based on historical data and credit rating
Determine Loss Given Default (LGD) based on collateral or recovery rate
Use the formula EAD = PD x LGD x EAD to calculate Exposure at Default
Counterparty risk is the risk of default by a party in a financial transaction, while credit risk is the risk of loss due to a borrower's failure to repay a loan.
Counterparty risk is specific to financial transactions involving parties such as banks, brokers, or counterparties in derivatives contracts.
Credit risk is more general and refers to the risk of loss due to a borrower's failure to repay a loan or meet other fi...
I was interviewed before Apr 2023.
Basic Finance questions were there from variety of topicsj
I applied via Referral and was interviewed before Jan 2020. There was 1 interview round.
Solvency ratio measures a company's ability to meet its debt obligations. Short term ratio focuses on current assets and liabilities, while long term ratio considers long term debt.
Short term solvency ratio is also known as the current ratio
It measures a company's ability to pay off its short term debts with its current assets
Formula: Current assets / Current liabilities
Long term solvency ratio is also known as the deb...
I applied via Naukri.com and was interviewed before Sep 2019. There was 1 interview round.
Pre and post shipment facilities refer to credit facilities provided to exporters before and after shipment of goods.
Pre-shipment facility is a credit facility provided to exporters to finance the production and processing of goods before shipment.
Post-shipment facility is a credit facility provided to exporters to finance the period between shipment of goods and receipt of payment from the importer.
Pre-shipment facili...
Financial ratios used in credit risk assessment
Debt-to-Equity Ratio: measures the amount of debt used to finance a company's assets
Current Ratio: measures a company's ability to pay its short-term debts
Interest Coverage Ratio: measures a company's ability to pay its interest expenses
Profit Margin Ratio: measures a company's profitability
Asset Turnover Ratio: measures a company's efficiency in using its assets to genera
Financial BG is for payment obligations while Performance BG is for non-payment obligations.
Financial BG is used to guarantee payment obligations such as loans, taxes, and customs duties.
Performance BG is used to guarantee non-payment obligations such as completion of a project or delivery of goods.
Financial BG is typically issued by banks while Performance BG can be issued by insurance companies or other financial ins...
SBLC stands for Standby Letter of Credit, which is a financial instrument used to guarantee payment.
SBLC is a type of letter of credit that serves as a backup payment option for the beneficiary in case the buyer defaults on payment.
It is often used in international trade transactions to reduce the risk of non-payment.
The issuing bank guarantees payment to the beneficiary if the buyer fails to fulfill their payment obli...
Asset liability mismatch is when a company's assets and liabilities have different maturities or interest rates.
Occurs when a company's assets and liabilities have different maturities or interest rates
Can lead to financial instability and liquidity problems
Example: A bank that borrows short-term funds to lend long-term
Can be managed through asset-liability management techniques
Assessing cash credit account statement involves analyzing the inflow and outflow of funds, identifying any discrepancies, and evaluating the borrower's creditworthiness.
Review the account statement for any irregularities or inconsistencies
Check the borrower's payment history and credit score
Assess the borrower's financial stability and ability to repay the loan
Compare the account statement with the borrower's financia...
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.
...
To analyze a company for a term loan, consider factors like cash flow, debt service coverage ratio (DSCR), financial statements, industry trends, and management quality.
Examine the company's financial statements to assess its profitability, liquidity, and leverage.
Calculate the debt service coverage ratio (DSCR) to determine if the company generates enough cash flow to cover its debt obligations.
Evaluate the company's ...
I applied via Naukri.com and was interviewed in Jan 2023. There were 2 interview rounds.
Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
Start by calculating the current ratio to assess liquidity
Examine the debt-to-equity ratio to evaluate leverage
Analyze the inventory turnover ratio to assess efficiency
Look at the return on equity to evaluate profitability
Compare the balance sheet to previous periods and industry benchmarks
Consider any off-balance...
I applied via campus placement at Institute of Chartered Accountant of India (ICAI) and was interviewed before Apr 2023. There was 1 interview round.
posted on 10 Jun 2022
The credit process involves assessing the creditworthiness of individuals or businesses to determine their eligibility for credit.
The credit process begins with the collection of relevant financial information from the applicant.
This information is then analyzed to evaluate the applicant's ability to repay the credit.
Credit managers may use various tools and techniques such as credit scoring models, financial statement...
Relationship Manager
833
salaries
| ₹2.1 L/yr - ₹6.5 L/yr |
Assistant Manager
597
salaries
| ₹1.6 L/yr - ₹5.7 L/yr |
Deputy Manager
401
salaries
| ₹2 L/yr - ₹9 L/yr |
Credit Manager
321
salaries
| ₹3 L/yr - ₹11.5 L/yr |
Sales Manager
300
salaries
| ₹3 L/yr - ₹11 L/yr |
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