ICRA Interview Questions and Answers

Analyzing a company involves assessing its financial health, credit risk, and rating using various ratios and financial modeling techniques.

• Start by analyzing the company's financial statements, including the balance sheet, income statement, and cash flow statement.

• Look for key ratios such as liquidity ratios, profitability ratios, and solvency ratios to assess the company's financial health.

• To assess credit risk, analyze the company's credit history, payment behavior, and fi...read more

Assessing business risk involves evaluating various parameters.

• Financial stability and performance

• Market competition and trends

• Regulatory compliance and legal issues

• Management team and corporate governance

• Industry and macroeconomic factors

• Brand reputation and customer satisfaction

• Supply chain and operational risks

Credit analysis involves evaluating the creditworthiness of a borrower to determine the likelihood of repayment.

• Gather financial information about the borrower, including income, assets, and liabilities

• Assess the borrower's credit history and credit score

• Analyze the borrower's debt-to-income ratio and other financial ratios

• Consider external factors such as economic conditions and industry trends

• Make a recommendation on whether to approve or deny the credit application

The pandemic situation has had a significant impact on India and the world.

• India has been hit hard by the pandemic, with a high number of cases and deaths

• The pandemic has also had a major impact on the global economy

• Countries around the world have implemented various measures to control the spread of the virus, such as lockdowns and travel restrictions

• The development and distribution of vaccines have been a major focus in the fight against the pandemic

The question covers various topics related to database management, SQL, and object-oriented programming concepts.

• Truncate is a DDL command used to delete all records from a table, while delete is a DML command used to remove specific records.

• Primary key uniquely identifies each record in a table, while a unique key ensures that all values in a column are unique.

• Composite key is a combination of multiple columns that uniquely identify a record in a table.

• Foreign key establishe...read more

Cash flow is the movement of money in and out of a business, showing how much cash is generated or spent over a specific period of time.

• Cash flow can be categorized into three types: operating cash flow, investing cash flow, and financing cash flow.

• Operating cash flow represents the cash generated from a company's core business activities.

• Investing cash flow includes cash spent on investments in assets such as property, equipment, or securities.

• Financing cash flow involves ca...read more