PKF Finance Interview Questions and Answers

Q1. How to analyse Banking Balance Sheet What are key ratios of NBFC/Bank
Ans. 
Analyzing a bank's balance sheet involves examining key ratios such as capital adequacy, asset quality, and liquidity.
• Calculate capital adequacy ratio (CAR) to assess the bank's ability to absorb losses

• Examine asset quality by calculating non-performing asset (NPA) ratio

• Analyze liquidity by calculating loan-to-deposit (LTD) ratio

• Assess profitability by calculating return on assets (ROA) and return on equity (ROE) ratio...read more
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Financial ratios related to profit and loss statement and balance sheet

Q1. Which debt coverage ratios will you consider for analyzing the company
Ans. 
The debt coverage ratios that I would consider for analyzing a company are the debt service coverage ratio (DSCR) and the interest coverage ratio (ICR).
• Debt service coverage ratio (DSCR) measures a company's ability to cover its debt obligations. It is calculated by dividing the company's operating income by its total debt service.

• Interest coverage ratio (ICR) measures a company's ability to cover its interest expenses...read more
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Q1. Why CARE, about previous experience
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Q1. Technical finance questions and questions on previous work exp
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Q2. Challenges faced in previous projects
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Q1. Just be prepared with your resume and basic DS Algo questions
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Q2. Find total Nodes in a Binary tree along with time and space complexity
Ans. 
Total nodes in a binary tree can be found using depth-first or breadth-first traversal algorithms with time complexity O(n) and space complexity O(h), where h is the height of the tree.
• Use depth-first traversal (pre-order, in-order, post-order) or breadth-first traversal to visit each node and count the total nodes.

• Time complexity is O(n) where n is the number of nodes in the tree.

• Space complexity is O(h) where h is th...read more
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Q3. MYSQL Questions based on Inner Joins
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Q1. Construct 4 Array Tree from scratch and implement some operations
Ans. 
Construct 4 Array Tree and implement operations
• Create an array to represent the tree structure

• Implement operations like insert, delete, search, and traversal

• Example: Construct a binary search tree using arrays
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Q2. Some quizzes to check logical thinking
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Q3. How to compare 2 large 100 GB JSON files in O(1) Time complexity
Ans. 
Use hashing to compare the JSON files in O(1) time complexity.
• Create a hash function to convert the JSON data into a unique hash value.

• Calculate the hash value for each JSON file and compare the hash values.

• If the hash values are equal, the JSON files are identical.

• Example: Use MD5 or SHA-256 hash functions for generating hash values.
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Q4. Map parent to children of a 4 Array tree in O(1) Space complexity
Ans. 
Use array indices to map parent to children in a 4 Array tree in O(1) space complexity.
• Assign children of a parent at indices 4*i+1, 4*i+2, 4*i+3, 4*i+4 where i is the index of the parent.

• To find parent of a child at index j, use (j-1)/4 to get the parent index.
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Q1. Tell me about yourself
Ans. 
I am a dedicated and detail-oriented analyst with a strong background in data analysis and problem-solving.
• I have a Bachelor's degree in Statistics and experience in analyzing large datasets

• I am proficient in using statistical software such as R and Python

• I have a proven track record of identifying trends and providing actionable insights to drive business decisions
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Ratio Analysis and general awareness about the economy

Q1. General economy trend and ratios
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About financial analysis and credit analysis

Q1. Financial statements analysis and ratio analysis
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Q1. Recent economic updates, past work experience, banking ratios calculation,
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