Karur Vysya Bank Gold Appraiser Interview Questions and Answers

Q1. What are your salary expectations?
Ans. 
I expect a salary that is competitive and reflective of my skills and experience as a Gold Appraiser.
• I am looking for a salary that aligns with industry standards and my qualifications.

• I am open to discussing salary based on the responsibilities and expectations of the role.

• I have researched the average salary range for Gold Appraisers in this region and would like to be within that range.

• I believe my expertise and tra...read more
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Q2. What job prepared you
Ans. 
Working as a jewelry salesperson prepared me for the role of a Gold Appraiser.
• Experience in handling and examining different types of gold jewelry

• Knowledge of gold purity and quality

• Understanding customer preferences and needs

• Ability to communicate effectively with customers

• Familiarity with appraising techniques and tools
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Q3. Expect salary and role
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Q1. Introduce yourself
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Q2. Basel III Norms, LCR calculation, NSFR Meaning, Return on Capital
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Q3. What is PCA about PCA?
Ans. 
PCA stands for Principal Component Analysis, a statistical technique used to reduce the dimensionality of data while preserving important information.
• PCA is used to identify patterns in data and reduce the number of variables without losing much information.

• It works by transforming the original variables into a new set of uncorrelated variables called principal components.

• These principal components are ordered by the a...read more
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Q4. What is CRAR?What is CCB?
Ans. 
CRAR stands for Capital to Risk-Weighted Assets Ratio, a measure of a bank's capital adequacy. CCB stands for Counter-Cyclical Buffer, an additional capital requirement imposed on banks during periods of excessive credit growth.
• CRAR is calculated by dividing a bank's capital by its risk-weighted assets.

• It is used to ensure that banks have enough capital to cover potential losses from their risk exposures.

• CCB is a regul...read more
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Q5. What do you mean by asset liability managemnt?
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Asset liability management is the practice of managing risks that arise due to mismatches between assets and liabilities.
• Asset liability management involves managing the risks associated with the assets and liabilities of a company or organization.

• It aims to ensure that the assets are sufficient to cover the liabilities and meet the organization's financial obligations.

• Strategies used in asset liability management incl...read more
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Q1. Introduction and knowledge
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Q2. Credit Underwriting
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LRDI-QA-VARC-GK-Banking-Finance.

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Q1. Tell me about yourself and why this job?
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Q1. Finance related questions
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Q1. Tell me about your self
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Q2. About ratio analysis
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Q1. Tell me about yourself
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Q2. How will you analyse a Balance Sheet
Ans. 
Analyzing a balance sheet involves examining assets, liabilities, and equity to determine financial health.
• Start by calculating the current ratio to assess liquidity

• Examine the debt-to-equity ratio to evaluate leverage

• Analyze the inventory turnover ratio to assess efficiency

• Look at the return on equity to evaluate profitability

• Compare the balance sheet to previous periods and industry benchmarks

• Consider any off-balance...read more
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Q1. Details about corporate mortgage
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Q2. Corporate customer documents verification for term loans
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