Deutsche Bank Manager Interview Questions and Answers

Q1. What is your hobby
Add your answer
Q2. What is last year appraisal
Add your answer

Q1. Sector analysis based on current experience
Add your answer

Financial cash flow model build from scratch

Interview test on case study

Q1. Background related questions, education, family etc
Add your answer

Online exam for customer responses

Current role discussion

Q1. Current role discussion
Add your answer
Q2. Package discussion
Add your answer

Q1. Basic profile related questions
Add your answer
Q2. Credit audit related questions
Add your answer
Q3. Method of credit appraisal
Ans. 
Credit appraisal involves evaluating the creditworthiness of a borrower before approving a loan.
• Assessing the borrower's credit history, including past loans and repayment behavior

• Analyzing the borrower's income and financial stability

• Reviewing the borrower's debt-to-income ratio

• Considering the purpose of the loan and the borrower's ability to repay

• Using credit scoring models to determine risk level

• Verifying the borrow
Answered by AI
Add your answer
Q4. Basic ratios used in credit assessments
Ans. 
Basic ratios used in credit assessments include debt-to-income ratio, loan-to-value ratio, and credit utilization ratio.
• Debt-to-Income Ratio: Compares an individual's monthly debt payments to their monthly income.

• Loan-to-Value Ratio: Compares the amount of a loan to the appraised value of the asset being purchased.

• Credit Utilization Ratio: Compares the amount of credit being used to the total amount of credit available
Answered by AI
Add your answer
Q5. Knowledge of business segment
Add your answer

Q1. Experience details
Add your answer
Q2. Risk management
Add your answer

Q1. Examples of how will you act in situations
Add your answer

Q1. Current Lending scenario in the country
Ans. 
The current lending scenario in the country is characterized by low interest rates, increased competition among lenders, and a growing trend towards digital lending platforms.
• Interest rates are at historic lows, leading to increased borrowing activity.

• Traditional banks are facing stiff competition from online lenders and fintech companies.

• Digital lending platforms are gaining popularity due to their convenience and qui...read more
Answered by AI
Add your answer

Same questions repeated and answers compared

Q1. Reconciliation of balance sheet
Ans. 
Reconciliation of balance sheet involves comparing and adjusting the balances of assets, liabilities, and equity to ensure accuracy.
• Reconciliation involves comparing the balances on the balance sheet with supporting documentation such as bank statements, invoices, and receipts.

• Any discrepancies or errors found during the reconciliation process should be investigated and corrected.

• Reconciliation may include verifying th...read more
Answered by AI
Add your answer
Q2. What is reconciliation
Ans. 
Reconciliation is the process of comparing and matching two sets of records to ensure they are accurate and in agreement.
• Reconciliation involves comparing financial statements, bank statements, or other records to identify discrepancies.

• It helps to ensure that all transactions are properly recorded and accounted for.

• Reconciliation can be done on a regular basis to maintain accurate financial records.

• Examples of reconci...read more
Answered by AI
Add your answer