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DCB Bank
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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.
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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...
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 Campus Placement and was interviewed in Feb 2021. There was 1 interview round.
I applied via Referral and was interviewed before May 2020. There were 3 interview rounds.
I was interviewed before May 2016.
Assess credit worthiness by analyzing credit history, financial statements, and other relevant data.
Review credit reports and scores
Analyze financial statements and income
Consider employment history and stability
Evaluate debt-to-income ratio
Assess collateral and assets
Look for red flags such as bankruptcies or late payments
I applied via Campus Placement and was interviewed before May 2020. There were 3 interview rounds.
I applied via Campus Placement and was interviewed before Jul 2023. There was 1 interview round.
I have experience working with cloud services such as AWS, Azure, and Google Cloud.
Managed data storage and processing on AWS S3 and EC2 instances
Utilized Azure Machine Learning for predictive modeling
Implemented Google Cloud Platform for real-time data analytics
PySpark is a Python API for Apache Spark, used for big data processing and analytics.
PySpark is a Python API for Apache Spark, a distributed computing system.
It allows for parallel processing of large datasets using Spark's distributed framework.
PySpark provides high-level APIs in Python for Spark programming, making it easier to work with big data.
Example: PySpark can be used for data preprocessing, machine learning,
I applied via Naukri.com and was interviewed before Oct 2021. There was 1 interview round.
Yes, I can sell savings accounts. Our savings account offers competitive interest rates and no monthly fees.
I would start by asking the customer about their current savings account and if they are happy with it.
Then, I would highlight the benefits of our savings account such as the competitive interest rates and no monthly fees.
I would also mention any additional perks such as online banking and mobile app access.
Final...
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