RBL Bank Assistant Vice President Interview Questions and Answers

Q1. Professional experience
Add your answer
Q2. About Collection process
Add your answer

Q1. Details review about profile
Add your answer

Q1. Reason for job change and how are my skill useful for current job
Add your answer
Q2. Reason for choosing idfc
Add your answer

Q1. Challenges of working In new bank
Add your answer

Q1. What is the reason for changing the bank after serving for more than 14+ years?
Ans. 
Looking for new challenges and opportunities for growth.
• After serving for more than 14 years, I felt that I had reached a plateau in my career and was looking for new challenges and opportunities for growth.

• I wanted to expand my skill set and gain experience in different areas of banking.

• I was attracted to the vision and culture of the new bank and felt that it aligned better with my personal and professional goals.

• I a...read more
Answered by AI
Add your answer
Q2. After 6 years, where will you standing?
Ans. 
In 6 years, I see myself as an accomplished AVP with a proven track record of success and a strong leadership presence.
• Continuing to develop my skills and knowledge in the industry

• Leading a high-performing team and driving results

• Building strong relationships with key stakeholders

• Contributing to the overall growth and success of the organization

• Mentoring and coaching others to achieve their full potential
Answered by AI
Add your answer

Discussion on business growth and processing of credit proposals

Q1. How to obtain Credit Rating of an SME customer
Ans. 
Obtain credit rating of an SME customer by analyzing financial statements, credit reports, and industry trends.
• Request financial statements from the SME customer

• Analyze the financial statements to assess the financial health of the SME

• Obtain credit reports from credit rating agencies like Moody's or S&P

• Consider industry trends and economic factors that may impact the credit rating

• Consult with credit analysts or financi
Answered by AI
Add your answer
Q2. How liquidity ratio of a Bank depends their growth? What you mean by vertical growth?
Ans. 
Liquidity ratio of a bank impacts its growth by determining its ability to meet short-term obligations. Vertical growth refers to expansion within the same industry.
• Liquidity ratio measures a bank's ability to meet short-term liabilities with its short-term assets.

• A higher liquidity ratio indicates a bank has more assets readily available to cover its liabilities, which can support growth by providing financial stabili...read more
Answered by AI
Add your answer
Q3. What is rural banking
Ans. 
Rural banking refers to banking services provided in rural areas to cater to the financial needs of the rural population.
• Rural banking focuses on providing financial services to people living in rural and remote areas.

• It includes services like savings accounts, loans, insurance, and other financial products tailored to the needs of rural customers.

• Rural banks often have branches in small towns and villages to ensure ac...read more
Answered by AI
Add your answer
Q4. Who appoint Ombudsman
Ans. 
The Ombudsman is appointed by the President of the country.
• The Ombudsman is appointed by the President of the country.

• The appointment of the Ombudsman is usually based on recommendations from a selection committee.

• The Ombudsman is responsible for investigating complaints against government officials and agencies.

• The Ombudsman serves as an independent and impartial mediator between the government and the public.
Answered by AI
Add your answer
Q5. How to calculate current asset
Ans. 
Current assets can be calculated by adding together all assets that are expected to be converted into cash or used up within one year.
• Calculate current assets by adding together cash, accounts receivable, inventory, and other assets expected to be converted into cash within one year.

• Exclude long-term assets such as buildings or equipment from the calculation.

• Examples of current assets include cash, marketable securitie
Answered by AI
Add your answer

Q1. Balance sheet Analysis and how to analyse clients requirements
Ans. 
Balance sheet analysis involves evaluating a company's financial health by examining its assets, liabilities, and equity.
• Analyzing the balance sheet involves calculating key financial ratios such as current ratio, debt-to-equity ratio, and return on equity.

• Understanding clients' requirements involves assessing their financial goals, risk tolerance, and investment preferences.

• Tailoring financial solutions to meet client...read more
Answered by AI
Add your answer

Q1. Current Package and expected CTC
Add your answer

Q1. About experience and Sales
Add your answer
Q2. About organization
Add your answer

Q1. Let me know your profile Yes of course,thank you very much for sort out my name for interview ,I am so and so residing at urban place
View 6 more answers
Q2. Let me know your company and experience Yes of course, I was working in Canara Bank gained unblemished experience of 34 years worked as bank assistant, as assistant manager for 7 years ,as manager 5 years...read more
Add your answer
Q3. Oh very nice and congratulations on completing 34 years of service,what are the places you have been worked. Thank you,I worked in totally 13 branches like,Rural ,semi urban,urban in Andhra Pradesh and Ta...read more
Add your answer
Q4. What is your last working branch Nagercoil,Tamilnadu
Ans. 
My last working branch was in Nagercoil, Tamilnadu.
• I worked at the Nagercoil branch in Tamilnadu.

• I was responsible for managing the operations and customer service at the branch.

• During my time there, I successfully implemented new strategies to increase customer satisfaction and improve efficiency.

• I also led a team of employees and ensured smooth functioning of the branch.

• One of my achievements was achieving a signific
Answered by AI
View 1 more answer
Q5. What is the big ticket size of the beach yes it is ₹435 crore total business
Ans. 
The big ticket size of the beach is ₹435 crore total business.
• The beach generates a total business of ₹435 crore.

• This indicates a significant economic impact of the beach.

• The beach likely attracts a large number of tourists and visitors.

• The beach may have various revenue streams such as tourism, hospitality, and retail.

• The big ticket size suggests that the beach is a major contributor to the local economy.
Answered by AI
View 1 more answer
Q6. What is retail deposits Yeah it is around ₹320 crores
Ans. 
Retail deposits refer to funds deposited by individuals or small businesses in banks or other financial institutions.
• Retail deposits are a major source of funding for banks and financial institutions.

• These deposits are typically low-risk and offer lower interest rates compared to other investment options.

• Examples of retail deposits include savings accounts, checking accounts, and certificates of deposit (CDs).

• Banks may...read more
Answered by AI
Add your answer
Q7. What are the rewards that you have received Yeah,I have received cash award in loan recovery and other third party products like life,general insurance and mutual funds,sip’s etc
Ans. 
I have received cash awards in loan recovery and for promoting third party products like life, general insurance, mutual funds, and SIPs.
• Received cash award for successful loan recovery

• Received recognition for promoting third party products like life insurance, general insurance, mutual funds, and SIPs

• Achieved targets and received incentives for selling third party products
Answered by AI
Add your answer
Q8. Are you currently working in which company Yeah ,of course currently I am not working
View 1 more answer
Q9. What is your current package It was ₹24 lakh
Ans. 
My current package is ₹24 lakh.
• My current package is ₹24 lakh.

• I am currently earning ₹24 lakh per annum.

• My current salary is ₹24 lakh.

• I am currently being paid ₹24 lakh as my package.
Answered by AI
View 1 more answer
Q10. Are you interested to work any where or any place of choice Yeah of course,if it is inevitable I can
Add your answer
Q11. Thank you very much let you know the status very soon,we will meet shortly. Thank you very much for your kind patronage extended during the interview,obviously I also been expecting the same
Add your answer

Q1. Audit branch risk rating category? Housing finance critical observation during your audit ? Any fraud observation during your audit? Vehicle loan process and documentation? NPA recovery related questions? ...read more
Ans. 
The audit branch risk rating category is a measure of the level of risk associated with a particular branch. Housing finance critical observations during an audit may include issues related to loan underwriting, documentation, or compliance. Fraud observations during an audit may involve instances of misrepresentation, identity theft, or embezzlement. The vehicle loan process and documentation may cover areas such as l...read more
Answered by AI
Add your answer