ICICI Bank Deputy Manager Interview Questions, Process, and Tips

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

• Liquidity ratios measure a company's ability to meet short-term obligations (e.g. current ratio, quick ratio)

• Profitability ratios measure a company's ability to generate profits (e.g. gross profit margin, return on equity)

• Debt ratios measure a company's leverage and ability to repay debt (e.g. debt-to-equity ratio, interest coverage ratio...read more

Debt equity ratio is a financial ratio that measures the proportion of debt and equity used to finance a company's assets.

• Debt equity ratio is calculated by dividing total debt by total equity.

• It indicates the amount of financial leverage a company has.

• A high debt equity ratio means the company is relying more on debt to finance its assets.

• A low debt equity ratio means the company is relying more on equity to finance i...read more

NPA stands for Non-Performing Assets. Sub-standard assets are those assets which have remained NPA for a period of 12 months.

• NPA refers to loans or advances that are in default or are in arrears for a certain period of time.

• Sub-standard assets are those assets which have remained NPA for a period of 12 months.

• These assets have a high risk of becoming bad debts and may require provisioning by the bank.

• Examples of sub-st...read more

Yes, I have a strong understanding of banking principles and practices.

• I have a Bachelor's degree in Finance

• I have worked in the banking industry for 5 years

• I am familiar with financial products and services such as loans, savings accounts, and investments

SARFAESI stands for Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act.

• SARFAESI Act allows banks and financial institutions to auction residential or commercial properties when borrowers default on loan payments.

• It provides a faster mechanism for recovery of non-performing assets without court intervention.

• The Act empowers banks to take possession of the secured assets and se...read more