State Bank of India Clerk Cashier Interview Questions and Answers

Purpose
Aptitude tests assess a person's ability to perform tasks and react to situations at work. They are used to predict how well a person will perform in a role, even if they don't have prior training or knowledge in that area.

Types
Aptitude tests can include multiple-choice questions, diagrammatic reasoning, and other formats.

Use
Hiring managers use aptitude tests to assess a candidate's suitability for a job role. Schools use aptitude tests to determine if students are inclined toward advanced placement classes or specific areas of study.

Preparation
You can take free online tests to get an idea of what to expect on an aptitude test.

Passing score
Recruiters can set a passing percentile to ensure that only the highest-performing candidates are selected.

History
Sir Francis Galton developed the first aptitude tests in the late 19th century to measure intelligence.

Reasoning, quantitative skills, and English language proficiency.

Q1. How should one prepare for analyzing financial statements, balance sheets, and assessing limits?
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Q1. How do you fund a applicant
Ans. 
Funding an applicant involves evaluating their creditworthiness and determining the appropriate amount and terms of the loan.
• Evaluate the applicant's credit history, income, and debt-to-income ratio

• Determine the appropriate loan amount based on the applicant's financial situation

• Decide on the terms of the loan including interest rate, repayment period, and collateral requirements

• Obtain necessary documentation such as p...read more
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Q2. Ratios analysis , banking analaysis
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Q1. Ratio Related, Balance Sheet and P&L related
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Q2. FOIR ratio, LTV, DSCR
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Q1. General Accounting related
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Q2. Accounting related
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IBPS takes test moderate to high

Q1. Assessment of working capital
Ans. 
Assessment of working capital involves analyzing a company's current assets and liabilities to determine its ability to meet short-term financial obligations.
• Calculate working capital by subtracting current liabilities from current assets.

• A positive working capital indicates the company has enough assets to cover its short-term debts.

• A negative working capital may signal financial trouble and the need for additional fu...read more
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Q2. Why do you wan tot join banj
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Q1. Why Bank of Baroda
Ans. 
Bank of Baroda is a reputable and established financial institution with a strong presence in the market.
• Bank of Baroda has a long history of providing reliable banking services to customers.

• The bank has a strong reputation for its ethical practices and customer-centric approach.

• Bank of Baroda offers a wide range of financial products and services to meet the diverse needs of customers.

• The bank has a strong presence bo...read more
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Q2. Why wholesale Banking
Ans. 
Wholesale banking offers exposure to a wide range of industries and financial products, providing a challenging and dynamic work environment.
• Opportunity to work with diverse clients and industries

• Involvement in complex financial transactions and structures

• Exposure to a variety of financial products such as loans, trade finance, and treasury services

• Opportunity for career growth and development in a fast-paced environme
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