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ICICI Bank Manager Interview Questions and Answers

Updated 31 Aug 2024

Q1. What is current ratio and suitable current ratio What is DSCR.(Debt Service Coverage Ratio) How you analysis profit and loss and balance sheet

Ans.

Current ratio and DSCR are financial ratios used to analyze a company's financial health.

  • Current ratio measures a company's ability to pay its short-term liabilities with its short-term assets. A suitable current ratio varies by industry, but generally a ratio of 2:1 is considered good.

  • DSCR measures a company's ability to pay its debt obligations. A ratio of 1.25:1 or higher is considered good.

  • To analyze a profit and loss statement, look at revenue, expenses, and net income. ...read more

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Q2. Difference in Spot, TOM, Cash deals And Forex overview

Ans.

Spot, TOM, Cash deals and Forex overview explained.

  • Spot deals involve immediate delivery of currency at the current market rate.

  • TOM deals involve delivery of currency the next day after the trade is executed.

  • Cash deals involve delivery of currency within two business days after the trade is executed.

  • Forex overview includes analysis of currency pairs, market trends, and economic indicators.

  • Spot deals are commonly used for currency conversions, while TOM and Cash deals are used...read more

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Q3. Differnce between forwards, futures n option

Ans.

Forwards, futures, and options are financial derivatives used for hedging and speculation.

  • Forwards are contracts between two parties to buy or sell an asset at a specified price and date in the future.

  • Futures are similar to forwards but are traded on exchanges and have standardized contract terms.

  • Options give the holder the right, but not the obligation, to buy or sell an asset at a specified price and date in the future.

  • Options can be either call options (the right to buy) o...read more

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Q4. What Do yo mean by Banking

Ans.

Banking refers to the business of accepting deposits and lending money.

  • Banking involves financial institutions that accept deposits from customers and use those funds to make loans to other customers.

  • Banks also offer a range of other financial services, such as credit cards, investment products, and insurance.

  • Banking is regulated by government agencies to ensure the safety and soundness of the financial system.

  • Examples of banks include JPMorgan Chase, Bank of America, and Wel...read more

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Q5. Views on Bank Financial Statement

Ans.

Bank financial statements are crucial for evaluating the financial health of a bank.

  • Bank financial statements provide information on the bank's assets, liabilities, income, and expenses.

  • They help investors and analysts evaluate the bank's financial health and performance.

  • Key financial ratios such as return on assets (ROA) and return on equity (ROE) can be calculated using information from the financial statements.

  • Examples of important financial statements include the balance ...read more

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Q6. Bad decision to join ICICI bank

Ans.

Joining ICICI bank was a bad decision due to lack of growth opportunities and toxic work culture.

  • Limited growth opportunities within the organization

  • Toxic work culture affecting employee morale

  • Lack of work-life balance

  • Poor management decisions impacting job satisfaction

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Q7. What are the kyc documents

Ans.

KYC documents refer to the documents required for verifying the identity of customers for financial transactions.

  • KYC documents include government-issued ID proof like passport, driver's license, Aadhar card, etc.

  • Address proof documents like utility bills, bank statements, etc. are also required.

  • Additional documents may be needed based on the specific requirements of the financial institution or organization.

  • KYC documents help in preventing fraud, money laundering, and identit...read more

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Q8. sale me the pen , bottle

Ans.

The pen and bottle are essential tools for everyday tasks, offering convenience and functionality.

  • The pen is a versatile writing instrument, perfect for jotting down notes or signing important documents.

  • The bottle is a practical container for storing liquids, keeping them fresh and easily accessible.

  • Both items are must-have accessories for anyone on the go, whether in the office, at school, or during travel.

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Q9. Diff b/w bg and lc

Ans.

BG stands for blood glucose while LC stands for lipid profile.

  • BG measures the amount of glucose in the blood while LC measures the levels of different types of lipids in the blood.

  • BG is used to diagnose and monitor diabetes while LC is used to assess the risk of heart disease.

  • Examples of lipids measured in LC include cholesterol, triglycerides, and high-density lipoprotein (HDL) cholesterol.

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Interview Process at ICICI Bank Manager

based on 24 interviews
3 Interview rounds
Resume Shortlist Round
One-on-one Round
Personal Interview1 Round
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