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Deutsche Bank Interview Questions and Answers
295 Interview questions
SPV (Special Purpose Vehicle) is a legal entity created for a specific financial purpose, often used in investment and risk management.
SPVs are commonly used in structured finance to isolate financial risk.
They can be used to hold assets, such as real estate or securities, separate from the parent company.
Example: A company may create an SPV to finance a new project without affecting its balance sheet.
SPVs can fac...
CDD (Customer Due Diligence) is basic risk assessment, while EDD (Enhanced Due Diligence) is for higher-risk customers.
CDD is a standard process for verifying customer identity and assessing risk.
EDD involves more detailed investigation for high-risk customers, such as PEPs (Politically Exposed Persons).
For example, CDD may require basic ID verification, while EDD might involve source of funds checks.
CDD is typica...
Schema evolution in Scala allows for changes in data structure without breaking compatibility with existing data.
Use Avro or Parquet formats for schema evolution in big data applications.
Define a base schema and use optional fields for new data attributes.
Example: Adding a new field 'age' to a user schema without affecting existing records.
Leverage libraries like Apache Spark for handling schema evolution in data ...
Process knowledge refers to understanding the steps, tools, and techniques involved in a specific workflow or operation.
Involves understanding the sequence of tasks in a process, such as in manufacturing where assembly line steps are crucial.
Includes knowledge of tools and technologies used, like software in a data analysis process.
Encompasses best practices and standards, such as ISO certifications in quality man...
The RCSA framework assesses risks and controls in an organization to enhance operational resilience.
Identify key processes: Understand the core operations that drive the business, such as transaction processing or customer service.
Assess risks: Evaluate potential risks associated with each process, like fraud, system failures, or regulatory compliance issues.
Evaluate controls: Review existing controls in place to ...
KYC, or Know Your Customer, is a process used by businesses to verify the identity of their clients.
KYC helps prevent fraud and money laundering by ensuring customers are who they claim to be.
It involves collecting personal information such as name, address, and identification documents.
For example, banks require KYC to open a new account, asking for a government-issued ID and proof of address.
KYC regulations vary...
Investment banking has various divisions, each specializing in different financial services and client needs.
Mergers and Acquisitions (M&A): This division advises companies on mergers, acquisitions, and divestitures, helping them navigate complex transactions.
Capital Markets: Focuses on raising capital for clients through equity and debt offerings, including IPOs and bond issuances.
Sales and Trading: Involves ...
Design a file explorer application with features like navigation, file operations, and search functionality.
Implement a tree structure to represent directories and files.
Use a graphical user interface (GUI) for user interaction, e.g., Java Swing or React.
Include features like 'Create', 'Delete', 'Rename', and 'Move' for files and folders.
Implement a search functionality to find files by name or type.
Consider addin...
KYC red flags are indicators of potential risks in customer identification and verification processes.
Inconsistent information: A customer provides different addresses on various documents.
Unusual transaction patterns: A sudden spike in transaction volume that deviates from a customer's normal behavior.
High-risk jurisdictions: A customer is from a country known for money laundering or terrorist financing.
Lack of t...
Trade involves the exchange of goods and services between parties, crucial for economic growth and globalization.
Types of trade: Domestic (within a country) and International (between countries).
Examples of goods traded: Electronics, agricultural products, and textiles.
Services can also be traded, such as consulting and tourism.
Trade agreements, like NAFTA or the EU, facilitate international trade.
Trade balances (...
Deutsche Bank Interview Experiences
390 interviews found
Aishwarya Bhosale
3 coding que easy,med and hard
(2 Questions)
- Q1. Os related que What is kernel , OS types ,what happens after booting computr ,etc
- Q2. Creat a array and print all elements , which database used for pdf storing sql or nosql
(2 Questions)
- Q1. OOps related que abstraction , inheritance , code it
- Q2. Middel element of linked list
(2 Questions)
- Q1. What challenges u faced in engineering?
- Ans.
I faced various challenges in engineering, including technical hurdles, team dynamics, and project management issues.
Technical challenges: Encountered complex algorithms that required extensive research and testing, such as optimizing a sorting algorithm for large datasets.
Team dynamics: Navigated conflicts within the team regarding design decisions, which required mediation and compromise to reach a consensus.
Project ...
- Q2. Situational based questions
(2 Questions)
- Q1. Why u choose to work deustch bank ?
- Ans.
I chose Deutsche Bank for its innovative technology, global reach, and commitment to professional growth in the finance sector.
Deutsche Bank is at the forefront of financial technology, allowing me to work on cutting-edge projects.
The bank's global presence offers opportunities to collaborate with diverse teams across different markets.
I admire Deutsche Bank's commitment to sustainability and responsible banking, align...
- Q2. Project related quw
Skills evaluated in this interview
Anonymous
Selected
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)?
- Ans.
Bonus declaration affects liabilities and retained earnings on the balance sheet.
When a bonus is declared, it creates a liability for the company, recorded as 'Bonus Payable'.
The journal entry would be: Debit 'Retained Earnings' and Credit 'Bonus Payable'.
For example, if a company declares a $10,000 bonus, it reduces retained earnings by $10,000.
Upon payment of the bonus, the company will debit 'Bonus Payable' and cred...
- 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...
Interview Preparation Tips
(4 Questions)
- Q1. About the process
- Q2. About your knowledge about products
- Q3. About your behavior
- Q4. Priority in career
- Ans.
My priority in my career is continuous learning and growth, followed by making a positive impact in the organization.
Continuous learning through training, certifications, and staying updated with industry trends
Seeking opportunities for growth and advancement within the organization
Contributing positively to the organization's goals and objectives
Balancing personal and professional development to achieve long-term succ...
I applied via Company Website and was interviewed in Nov 2024. There was 1 interview round.
(2 Questions)
- Q1. What is the difference between a HashMap, a ConcurrentHashMap, and a synchronized HashMap?
- Ans.
HashMap is not thread-safe, ConcurrentHashMap allows concurrent access, synchronized HashMap uses explicit synchronization.
HashMap is not thread-safe and can lead to ConcurrentModificationException if accessed by multiple threads simultaneously.
ConcurrentHashMap allows concurrent access by multiple threads without the need for external synchronization.
Synchronized HashMap uses explicit synchronization to make it thread...
- Q2. What is a lambda expression, and how does it relate to functional interfaces? Could you provide an example?
- Ans.
A lambda expression is a concise way to represent an anonymous function, often used with functional interfaces in Java.
Lambda expressions provide a way to pass functionality as an argument to a method.
Functional interfaces are interfaces with a single abstract method, which can be implemented using lambda expressions.
Example: (x, y) -> x + y is a lambda expression that takes two parameters and returns their sum.
Interview Preparation Tips
I appeared for an interview in May 2025, where I was asked the following questions.
- Q1. Union vs unionByName, RDD vs Dataframe, spark internals, jobs, stages, tasks, catalyst optmizer. The interviewer panel were not very clear on asking questions. Even after asking to reframe they were not ab...
- Q2. Schema evolution program in scala
- Ans.
Schema evolution in Scala allows for changes in data structure without breaking compatibility with existing data.
Use Avro or Parquet formats for schema evolution in big data applications.
Define a base schema and use optional fields for new data attributes.
Example: Adding a new field 'age' to a user schema without affecting existing records.
Leverage libraries like Apache Spark for handling schema evolution in data proce...
Array questions were asked of medium level
Questions on linkedlist, trees, graphs were asked
(2 Questions)
- Q1. Projects based question
- Q2. Why join us like hr questions
(2 Questions)
- Q1. Na..... Don't want to share questions
- Q2. Na., Don't want to share questions
It was data structures and algorithm
(2 Questions)
- Q1. What is friend function
- Q2. Basic definitions of oops
- Ans.
Object-Oriented Programming (OOP) is a programming paradigm based on the concept of objects, which can contain data and methods.
Encapsulation: Bundling data and methods that operate on the data within one unit (e.g., a class).
Inheritance: Mechanism to create a new class using properties and methods of an existing class (e.g., a 'Dog' class inheriting from an 'Animal' class).
Polymorphism: Ability to present the same int...
Skills evaluated in this interview
Selected
(1 Question)
- Q1. Basics about the jobs and JD
(1 Question)
- Q1. Interview with Director
(10 Questions)
- Q1. How will you increase performance of cobol program when its using number of cursors?
- Ans.
To increase performance of a COBOL program using multiple cursors, consider optimizing the SQL queries, reducing the number of cursors, and using efficient data structures.
Optimize SQL queries to retrieve only necessary data
Reduce the number of cursors by combining multiple queries into one
Use efficient data structures like arrays or tables to store and manipulate data
Avoid unnecessary looping and processing within cur...
- Q2. How will you resolve division by zero error Socb
- Ans.
To resolve division by zero error, check for zero before performing division operation.
Check if the denominator is zero before performing division operation
Handle the error by displaying a message or returning a default value
Use conditional statements or try-catch blocks to prevent division by zero
- Q3. How will you abend the program? by moving error code to Return code
- Ans.
Abend the program by moving error code to Return code
To abend the program, set the return code to a non-zero value indicating an error
This can be done using a conditional statement to check for errors and then setting the return code accordingly
For example, in COBOL, you can use the ACCEPT statement to move the error code to the return code
- Q4. Inner Join Outer Join Left Join , String ,Unstring , Inspect all questions
- Q5. How will you check if file is empty ?
- Ans.
To check if a file is empty, you can use file size or read the file and check for any content.
Check the file size using system functions like stat() or file length property
Read the file and check if there is any content present
Use file handling functions to determine if the file is empty
- Q6. How will you read your file in different record structure ?
- Ans.
To read a file with different record structures, use a combination of file parsing techniques and data manipulation.
Identify the record structure of each section in the file
Use conditional logic to parse each record based on its structure
Implement error handling for unexpected record structures
Utilize tools like regular expressions or custom parsing functions
Consider using libraries or frameworks that support flexible ...
- Q7. Is SQLCA EXEC SQL is mandatory ?
- Ans.
No, SQLCA EXEC SQL is not mandatory for Mainframe Developer.
SQLCA EXEC SQL is not mandatory but can be used for error handling and status checking in COBOL programs.
It is used to retrieve information about the most recent SQL operation.
Developers can choose to use SQLCODE and SQLSTATE instead of SQLCA EXEC SQL.
- Q8. How will you give data from Cobol to JCL ?
- Ans.
Data from Cobol can be passed to JCL using file handling techniques like writing data to a dataset or passing parameters through PROCs.
Use file handling techniques to write data from Cobol program to a dataset that can be accessed by JCL.
Pass parameters from Cobol program to JCL using PROCs.
Use symbolic parameters in JCL to reference data from Cobol programs.
- Q9. What syntax you give in Parm parameters to not be abend job when Subscript had ended his limit?
- Ans.
Use the COND parameter in the JCL to prevent job abend when subscript limit is reached.
Use COND parameter in JCL to check for subscript limit before executing subsequent steps
Set COND parameter to check for specific return code when subscript limit is reached
Add a condition to bypass subsequent steps if subscript limit is exceeded
- Q10. How you will add 10 th additional record in file using Cobol program , what is the path.
- Ans.
To add the 10th additional record in a file using a Cobol program, you would need to read the file sequentially and write the new record at the appropriate position.
Read the file sequentially until you reach the 9th record
Write the 10th record at the current position in the file
Update the file with the new record
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Deutsche Bank Interviews By Designations
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Bangalore / Bengaluru
15-22 Yrs
Not Disclosed
14-20 Yrs
₹ 22-94 LPA
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