Jana Small Finance Bank Branch Credit Manager Interview Questions and Answers

Good business assignment

Good group discussion

Good working case study

Good working coding

Q1. Good technical support and good support
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Q2. Good working support
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Q3. Good working experience
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Q4. Good working development experience
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Q5. Good working growth my self
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I have write my future role

I have write test for my job role

Q1. First all my introduction
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Q2. RBI guidelines question
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Q3. Banking sector is best
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Q1. Give your Self introduction in brief
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Q2. Previous work experience sharing/ discussion
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Q1. Where is the contingent liability appear in FS?
Ans. 
Contingent liabilities appear in the financial statements as a footnote or disclosure.
• Contingent liabilities are disclosed in the notes to the financial statements.

• They are potential liabilities that may arise in the future based on certain events.

• Examples include lawsuits, warranties, and guarantees.

• They are not recorded on the balance sheet but can have a significant impact on the company's financial health.
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Q1. Why do you want to join hdfc bank?
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Q1. Explain NPA norms
Ans. 
NPA norms refer to guidelines set by the Reserve Bank of India for classification of non-performing assets in banks.
• NPA stands for Non-Performing Asset

• RBI categorizes NPAs based on the period for which the asset has remained non-performing

• Different categories include Substandard Assets, Doubtful Assets, and Loss Assets

• Banks are required to make provisions for NPAs based on RBI guidelines
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Q2. What are retail banking assets
Ans. 
Retail banking assets are financial products and services offered to individual customers by banks.
• Includes savings accounts, checking accounts, personal loans, mortgages, credit cards, and certificates of deposit

• These assets generate revenue for the bank through interest payments and fees

• Banks use retail banking assets to attract and retain customers
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Q3. What is difference between reserve capital and capital reserve
Ans. 
Reserve capital is the amount of funds set aside by a company for specific purposes, while capital reserve is the profit earned by a company that is not distributed to shareholders.
• Reserve capital is a part of the company's share capital that cannot be distributed as dividends to shareholders.

• Capital reserve is created from profits earned by a company and is not distributed to shareholders but kept for specific purpose...read more
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Q4. Family background
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Q5. What are your expectations from your first job
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