ICICI Bank Interview Questions, Process, and Tips

10 to 20 question Banking related questions

Q1. How to process Personal Loan
Ans. 
To process a Personal Loan, gather necessary documents, assess eligibility, submit application, wait for approval, and disburse funds.
• Gather necessary documents such as proof of income, identification, and address

• Assess eligibility based on credit score, income, and existing debts

• Submit loan application with all required documents

• Wait for approval from the financial institution

• Once approved, the funds will be disbursed
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Q2. How to process Business Loan
Ans. 
To process a Business Loan, gather necessary documents, assess creditworthiness, determine loan amount and terms, and finalize the loan agreement.
• Gather necessary documents such as financial statements, tax returns, business plan, and personal identification.

• Assess the creditworthiness of the borrower by reviewing credit history, income, and debt-to-income ratio.

• Determine the loan amount based on the borrower's needs a...read more
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Q1. Please introduce yourself and in which organisation you are working.
Ans. 
I am currently working as a Deputy Manager 1 at XYZ Company.
• I have been with XYZ Company for the past 5 years.

• As a Deputy Manager 1, I oversee a team of 10 employees and ensure smooth operations.

• I have successfully implemented cost-saving measures that resulted in a 20% reduction in expenses.

• I have a strong track record of meeting deadlines and achieving targets.

• I am skilled in project management, team leadership, and ...read more
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Q2. Then they asked us how many years we have been working and then what kind of work be do.
Ans. Then I answered in detail all his celebrations which I used to do.
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Q3. Are you ready to work in a New organisation?
Ans. 
Yes, I am ready to work in a new organization.
• I am adaptable and open to new experiences.

• I have successfully transitioned to new organizations in the past.

• I am excited about the opportunity to learn and grow in a new environment.
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Q1. Tell about your family
Ans. 
I come from a close-knit family of four.
• My parents have been married for over 30 years and are still very much in love.

• I have an older sister who is a nurse and a younger brother who is studying to become a lawyer.

• We enjoy spending time together, whether it's going on vacations or just having dinner at home.

• Family is very important to me and I value the support and love they provide.
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Q2. Bank How to cover loss after settlement
Ans. 
Banks can cover loss after settlement through various methods.
• Banks can use insurance to cover losses

• They can also set aside funds for potential losses

• Banks can also try to recover losses through legal means

• They can also adjust interest rates or fees to compensate for losses

• In extreme cases, banks may need to write off the loss as a bad debt
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Q3. Customer how to go in NPA, written off
Ans. 
Customers go into NPA (Non-Performing Assets) or written off when they fail to repay their loans for a certain period of time.
• NPA is a loan or advance for which the principal or interest payment remains overdue for a period of 90 days.

• Written off is when the bank or lender removes the loan from its books as an asset and declares it as a loss.

• Customers can go into NPA or written off due to various reasons such as financ...read more
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Q4. Why you switch the previous job
Ans. 
To seek better growth opportunities and challenges.
• I wanted to explore new challenges and opportunities for growth.

• I was looking for a role that aligned better with my career goals.

• I wanted to work in a company with a better work culture and values.

• I relocated to a new city and had to leave my previous job.

• I completed a project at my previous job and wanted to move on to new challenges.
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Q5. How behavior your previous boss
Ans. 
My previous boss was supportive and provided constructive feedback.
• My previous boss was always available to answer questions and provide guidance.

• They were supportive of my professional development and encouraged me to take on new challenges.

• My boss provided constructive feedback on my work and helped me improve my skills.

• They were also open to hearing feedback from me and other team members.

• Overall, my previous boss w
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Q1. Can you provide details about your previous job profile and the projects you worked on?
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Q2. Could you please explain how your technical skills align with the role for which you have applied?
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Q1. Why you want to change the job?
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Q2. Banking related questions
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Q1. Banking product related questions
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Q1. How good are you with Excel
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Q2. Tell me about your current profile work
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