NatWest Group Interview Questions, Process, and Tips

Q1. What is leverage ratio
Ans. 
The leverage ratio is a financial metric that measures the proportion of debt used to finance a company's assets.
• It is calculated by dividing a company's total debt by its total assets.

• A higher leverage ratio indicates a higher level of debt relative to assets, which can be risky.

• Regulatory bodies may set minimum leverage ratios for financial institutions to ensure stability.

• For example, if a company has $1 million in ...read more
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Q2. What is portfolio size you have handled
Ans. 
I have managed a portfolio of over $100 million in assets across various industries.
• Managed a diverse portfolio of assets

• Over $100 million in value

• Experience across multiple industries

• Implemented successful investment strategies

• Monitored and analyzed portfolio performance regularly
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Q3. What is DSCR ratio
Ans. 
DSCR is a financial ratio used to measure a company's ability to cover its debt obligations.
• DSCR is calculated by dividing a company's operating income by its total debt service obligations.

• A DSCR of 1 means the company is just able to cover its debt payments, while a DSCR above 1 indicates the company has more than enough income to cover its debt.

• Lenders typically look for a DSCR of at least 1.25 to ensure the company...read more
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Q1. What are your expectations
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I expect this role to provide opportunities for growth, challenges, and the ability to make a significant impact.
• Opportunities for professional growth through learning new skills and taking on more responsibilities

• Challenges that push me to think creatively and problem-solve effectively

• Ability to make a significant impact by contributing to important projects and initiatives
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Technical test of payment Operations investigation etc

Q1. Situation based question of team
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Q2. When your immediate Senior is on holiday and unavailable whom do you ask to authorise the payment
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Q3. How do you manage and what you do when many people ask for leave together
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Q4. Question was how good i am with handling extra workload pressure
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Q1. General discussion about past work experience
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Q2. Discussion about salary
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Q1. What are the basic components of financial statements, with a particular emphasis on cash flow analysis?
Ans. 
Basic components of financial statements include balance sheet, income statement, and cash flow statement.
• Balance sheet: Shows assets, liabilities, and equity at a specific point in time.

• Income statement: Summarizes revenues, expenses, and profits over a period of time.

• Cash flow statement: Details cash inflows and outflows, highlighting operating, investing, and financing activities.

• Cash flow analysis focuses on the mo...read more
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Q2. How are the balance sheet, cash flow statement, and profit and loss statement interrelated?
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The balance sheet, cash flow statement, and profit and loss statement are interrelated as they all provide different perspectives on a company's financial health.
• The balance sheet shows a company's assets, liabilities, and equity at a specific point in time.

• The cash flow statement shows how changes in balance sheet accounts and income affect cash and cash equivalents.

• The profit and loss statement shows a company's reve...read more
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They have changed the aptitude test model now

Q1. Qualification of the candidate
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Q2. Any previous employment/ career gap and mostly which is mentioned in resume
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Q1. Basic intro tell me about yourself
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Q2. What is your strength and how it is used in your personal life
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