Reserve Bank of India Intern Interview Questions and Answers

Stabilising the rupee requires a combination of monetary and fiscal policies.

• Increase interest rates to attract foreign investment

• Reduce government spending to decrease fiscal deficit

• Encourage exports to increase foreign currency inflow

• Control inflation to maintain purchasing power of the rupee

• Strengthen economic fundamentals to increase investor confidence

NPA stands for Non-Performing Asset, which refers to a loan or advance where interest or principal payments are overdue for a period of 90 days or more.

• NPA is a loan or advance where payments are overdue for 90 days or more

• It is also known as Non-Performing Loan (NPL)

• Banks and financial institutions classify loans as NPA to reflect the risk of default

• NPA can have a negative impact on the bank's profitability and credit...read more

I am an avid rock climber and have scaled some of the tallest peaks in the region.

• I have been rock climbing for over 5 years.

• I have climbed peaks such as Mount Everest Base Camp and El Capitan in Yosemite.

• Rock climbing has taught me valuable lessons in perseverance and problem-solving.

The fall in the Chinese yuan is due to various factors such as trade tensions, economic slowdown, and government policies.

• Trade tensions between China and the US have led to a decrease in demand for the yuan

• China's economic growth has slowed down, leading to a decrease in investor confidence

• The Chinese government has implemented policies to devalue the yuan in order to boost exports

• The fall in the yuan has led to conce

Ratios are important for banks to measure their financial health and performance.

• Common ratios used for banks include capital adequacy ratio, loan-to-deposit ratio, and net interest margin.

• Capital adequacy ratio measures a bank's ability to absorb losses, while loan-to-deposit ratio shows the bank's ability to lend money.

• Net interest margin measures the difference between interest earned on loans and interest paid on d...read more

ICICI is a leading financial institution known for its innovative products and services.

• ICICI has a strong reputation in the financial industry

• Offers a wide range of products and services for customers

• Known for its innovative digital banking solutions

• Provides opportunities for growth and development

The BCG matrix is a strategic planning tool used to analyze a company's portfolio of products or business units.

• Developed by the Boston Consulting Group (BCG)

• It categorizes products/business units into four quadrants based on market growth rate and market share

• Quadrants: Stars, Cash Cows, Question Marks, and Dogs

• Helps in resource allocation and strategic decision-making

• Example: Apple's iPhone as a Star, iPod as a Cash ...read more

Market segmentation is the process of dividing a broad target market into smaller, more specific groups based on common characteristics.

• Market segmentation helps businesses identify and target specific customer groups.

• It involves analyzing factors such as demographics, psychographics, and behavior to create segments.

• Segments can be based on age, gender, income, interests, location, etc.

• By understanding the needs and pr...read more

My strengths include strong communication skills, adaptability, and problem-solving abilities.

• Strong communication skills: I am able to effectively convey information and ideas to others.

• Adaptability: I am able to quickly adjust to new situations and environments.

• Problem-solving abilities: I am skilled at analyzing complex problems and finding creative solutions.

One of my weaknesses is that I tend to be overly critical of my own work.

• I have a tendency to be a perfectionist and spend too much time on tasks

• I struggle with delegating tasks to others

• I can be overly self-critical and have difficulty accepting praise or recognition

I am a dedicated and passionate individual with a strong work ethic and a proven track record of success.

• I have consistently achieved top grades in my academic studies, showcasing my commitment to excellence.

• I have completed multiple internships in the past where I received glowing feedback from supervisors for my hard work and dedication.

• I am actively involved in extracurricular activities such as volunteering and lea...read more