ICICI Bank Assistant Relationship Manager Interview Questions, Process, and Tips

Financial ratios are tools used to analyze a company's financial performance and health.

• Liquidity ratios measure a company's ability to meet short-term obligations

• Profitability ratios measure a company's ability to generate profits

• Solvency ratios measure a company's ability to meet long-term obligations

• Efficiency ratios measure how well a company utilizes its assets and liabilities

• Examples include current ratio, return...read more

I will look at liquidity ratios like current ratio and quick ratio, as well as debt ratios like debt-to-equity ratio.

• Current ratio: current assets divided by current liabilities

• Quick ratio: (current assets - inventory) divided by current liabilities

• Debt-to-equity ratio: total liabilities divided by shareholder equity

• Other ratios may include interest coverage ratio and debt service coverage ratio

Accounting Standard is a set of guidelines and rules that govern the preparation and presentation of financial statements.

• Accounting Standards ensure consistency and comparability in financial reporting.

• They are issued by regulatory bodies such as the International Accounting Standards Board (IASB) and Financial Accounting Standards Board (FASB).

• Examples of Accounting Standards include IFRS (International Financial Rep...read more

BOE stands for Bill of Exchange, a written order from one party to another to pay a certain amount on a specific date.

• BOE is a financial instrument used in international trade

• It is a type of negotiable instrument, meaning it can be transferred to a third party

• BOE includes details such as the amount to be paid, the date of payment, and the parties involved

• Example: A company in the US imports goods from a supplier in Chi...read more

Trade financing refers to the financial instruments and products used to facilitate international trade transactions.

• Trade financing can include letters of credit, bank guarantees, and export credit insurance.

• These instruments help mitigate the risks associated with international trade, such as non-payment or political instability.

• Trade financing can also provide working capital to businesses engaged in international t...read more