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Indian Oil Corporation Interview Questions and Answers

Updated 5 Feb 2024
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Q1. Major financial ratios and their implications in credit risk assessment

Ans.

Financial ratios used in credit risk assessment

  • Debt-to-Equity Ratio: measures the amount of debt used to finance a company's assets

  • Current Ratio: measures a company's ability to pay its short-term debts

  • Interest Coverage Ratio: measures a company's ability to pay its interest expenses

  • Profit Margin Ratio: measures a company's profitability

  • Asset Turnover Ratio: measures a company's efficiency in using its assets to generate revenue

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Q2. How to assess cash credit account statement

Ans.

Assessing cash credit account statement involves analyzing the inflow and outflow of funds, identifying any discrepancies, and evaluating the borrower's creditworthiness.

  • Review the account statement for any irregularities or inconsistencies

  • Check the borrower's payment history and credit score

  • Assess the borrower's financial stability and ability to repay the loan

  • Compare the account statement with the borrower's financial statements and tax returns

  • Consider any external factors ...read more

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Q3. What is asset liability mismatch

Ans.

Asset liability mismatch is when a company's assets and liabilities have different maturities or interest rates.

  • Occurs when a company's assets and liabilities have different maturities or interest rates

  • Can lead to financial instability and liquidity problems

  • Example: A bank that borrows short-term funds to lend long-term

  • Can be managed through asset-liability management techniques

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Q4. Difference between Financial and Performance BG

Ans.

Financial BG is for payment obligations while Performance BG is for non-payment obligations.

  • Financial BG is used to guarantee payment obligations such as loans, taxes, and customs duties.

  • Performance BG is used to guarantee non-payment obligations such as completion of a project or delivery of goods.

  • Financial BG is typically issued by banks while Performance BG can be issued by insurance companies or other financial institutions.

  • Financial BG is usually a fixed amount while Per...read more

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Q5. Concept of pre and post shipment facility

Ans.

Pre and post shipment facilities refer to credit facilities provided to exporters before and after shipment of goods.

  • Pre-shipment facility is a credit facility provided to exporters to finance the production and processing of goods before shipment.

  • Post-shipment facility is a credit facility provided to exporters to finance the period between shipment of goods and receipt of payment from the importer.

  • Pre-shipment facility can be in the form of packing credit, which covers expe...read more

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Q6. What is SBLC

Ans.

SBLC stands for Standby Letter of Credit, which is a financial instrument used to guarantee payment.

  • SBLC is a type of letter of credit that serves as a backup payment option for the beneficiary in case the buyer defaults on payment.

  • It is often used in international trade transactions to reduce the risk of non-payment.

  • The issuing bank guarantees payment to the beneficiary if the buyer fails to fulfill their payment obligations.

  • SBLCs can be either funded or unfunded, depending ...read more

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