HDFC Bank Branch Credit Manager Interview Questions and Answers

Reasoning and aptitude tests.

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Q1. First all my introduction
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Q2. RBI guidelines question
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Q3. Banking sector is best
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Q1. Give your Self introduction in brief
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Q2. Previous work experience sharing/ discussion
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Q1. Explain NPA norms
Ans. 
NPA norms refer to guidelines set by the Reserve Bank of India for classification of non-performing assets in banks.
• NPA stands for Non-Performing Asset

• RBI categorizes NPAs based on the period for which the asset has remained non-performing

• Different categories include Substandard Assets, Doubtful Assets, and Loss Assets

• Banks are required to make provisions for NPAs based on RBI guidelines
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Q2. What are retail banking assets
Ans. 
Retail banking assets are financial products and services offered to individual customers by banks.
• Includes savings accounts, checking accounts, personal loans, mortgages, credit cards, and certificates of deposit

• These assets generate revenue for the bank through interest payments and fees

• Banks use retail banking assets to attract and retain customers
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Q3. What is difference between reserve capital and capital reserve
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Reserve capital is the amount of funds set aside by a company for specific purposes, while capital reserve is the profit earned by a company that is not distributed to shareholders.
• Reserve capital is a part of the company's share capital that cannot be distributed as dividends to shareholders.

• Capital reserve is created from profits earned by a company and is not distributed to shareholders but kept for specific purpose...read more
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Q4. Family background
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Q5. What are your expectations from your first job
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