ICICI Bank
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Current Ratio is a financial ratio that measures a company's ability to pay its short-term liabilities with its short-term assets.
Current Ratio = Current Assets / Current Liabilities
It indicates the liquidity of a company
A higher current ratio is generally considered better
Standard current ratio varies by industry
For example, a current ratio of 2:1 is considered good for most industries
The repayment capacity of the borrower is the most important yardstick in assessment of Term Loan.
Repayment capacity of the borrower is assessed through various financial ratios such as Debt Service Coverage Ratio (DSCR), Interest Coverage Ratio (ICR), and Loan to Value Ratio (LTV).
The borrower's credit history, income, and assets are also considered in the assessment.
The purpose of the loan, the industry in which the ...
DSCR is Debt Service Coverage Ratio, a measure of a company's ability to repay its debt. It is calculated by dividing net operating income by total debt service.
DSCR is a financial ratio used by lenders to assess the creditworthiness of a borrower.
It measures the cash flow available to cover debt payments.
The formula for DSCR is: DSCR = Net Operating Income / Total Debt Service.
A higher DSCR indicates a better ability ...
I appeared for an interview in Feb 2025.
A standardized assessment that measures a person's skills, potential, and cognitive abilities. It's used to evaluate a candidate's suitability for a specific role or field.
I prioritize work compatibility by aligning my skills and values with the organization's goals.
I ensure my work style and communication methods align with the team's dynamics.
I adapt to the company's culture and values to enhance collaboration and productivity.
I seek feedback and make adjustments to improve my performance and fit within the organization.
I prioritize work-life balance to maintain productivity and well-b...
The distance from home is a key factor to consider when evaluating a job opportunity.
Consider the commute time and transportation options available
Think about the impact on work-life balance and personal well-being
Evaluate the potential cost of commuting and the convenience of the location
What people are saying about ICICI Bank
Prepaid cards operation involves managing the issuance, activation, loading, and usage of prepaid cards.
Issuance of prepaid cards to customers
Activation of prepaid cards through online or phone
Loading funds onto prepaid cards through various methods
Monitoring and tracking usage of prepaid cards for security purposes
ICICI Bank interview questions for popular designations
I applied via Campus Placement and was interviewed in Nov 2024. There were 2 interview rounds.
Aptitude test contains Logical Reasoning Questions, Analytical Skills questions, and some general Questions, there are no coding questions for it
Get interview-ready with Top ICICI Bank Interview Questions
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Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities.
Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors.
Investors can buy shares of mutual funds, which represent their ownership in the fund's portfolio.
Mutual funds offer diversification, liquidity, and professional management to invest...
I see myself in a leadership role, managing a team and driving strategic initiatives for the organization.
Leading a team of professionals towards achieving common goals
Implementing strategic initiatives to drive growth and success
Continuing professional development to enhance leadership skills
Building strong relationships with stakeholders and colleagues
I appeared for an interview in Sep 2024, where I was asked the following questions.
The name of the company is XYZ Corporation, a leading provider of office solutions.
XYZ Corporation is a well-established company in the office solutions industry
They offer a wide range of services including office supplies, equipment, and furniture
XYZ Corporation has a strong reputation for quality and customer service
Salary will be based on experience and qualifications. Role involves managing office operations, coordinating schedules, and supporting staff.
Salary is negotiable based on experience and qualifications
Responsibilities include managing office operations
Coordinating schedules and appointments
Supporting staff with administrative tasks
Ensuring office supplies are stocked and ordering as needed
I appeared for an interview in Jan 2025.
Customer handling, Customer service, honest work
Customer handling and lead generation are essential for building relationships with clients and identifying potential customers.
Customer handling involves addressing customer inquiries, resolving issues, and providing excellent service to build trust and loyalty.
Lead generation is the process of identifying and attracting potential customers through marketing strategies such as cold calling, email campaigns, and networ...
Customer service problems can be solved by actively listening to customers, addressing their concerns promptly, and providing effective solutions.
Actively listen to customers to understand their concerns and needs
Address customer issues promptly and with empathy
Provide effective solutions to resolve customer problems
Follow up with customers to ensure their satisfaction
Implement feedback from customers to improve overal
ICICI Bank's commitment to innovation and customer-centric values aligns with my passion for building strong asset relationships.
ICICI Bank's reputation for excellence in customer service inspires me to contribute to a team that prioritizes client satisfaction.
The bank's focus on digital transformation excites me, as I believe technology can enhance asset management and client interactions.
I admire ICICI Bank's diverse...
In 5 years, I envision myself as a senior Asset Relationship Manager, leading strategic initiatives and mentoring junior team members.
Progressing to a senior role, overseeing larger portfolios and complex client relationships.
Leading a team of Asset Relationship Managers, sharing knowledge and best practices.
Contributing to the development of innovative asset management strategies that enhance client satisfaction.
Build...
I appeared for an interview in Feb 2025, where I was asked the following questions.
Some of the top questions asked at the ICICI Bank interview -
The duration of ICICI Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
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