40+ UBS Interview Questions and Answers for Freshers

Target API level is the version of Android that an app is designed to run on. Android Studio is used to build Android apps. APK is the file format for Android apps.

• Target API level determines the minimum version of Android that an app can run on

• Android Studio is the official IDE for building Android apps

• APK stands for Android Package Kit and is the file format for Android apps

Encapsulation is the bundling of data and methods into a single unit. Data hiding is the concept of restricting access to data. Abstraction is the process of simplifying complex systems.

• Encapsulation combines data and methods into a single unit, providing better control and security.

• Data hiding restricts access to data, allowing only specific methods to manipulate it.

• Abstraction simplifies complex systems by providing a high-level view, hiding unnecessary details.

• Example: A c...read more

Explanation of abstract, final, and static classes and inheritance in Java.

• Abstract classes are classes that cannot be instantiated and are meant to be extended by other classes.

• Final classes are classes that cannot be extended by other classes.

• Static classes are nested classes that can be accessed without creating an instance of the outer class.

• Static classes are different from non-static classes in that they cannot access non-static members of the outer class.

• Inheritance is...read more

The roles offered at Credit Suisse for IITM students vary in terms of responsibilities and focus areas.

• The roles may differ in terms of the department or division within Credit Suisse.

• Some roles may be more focused on technology and software development, while others may be more finance-oriented.

• Different roles may have varying levels of client interaction or require different skill sets.

• Examples of roles offered may include software engineer, financial analyst, risk manageme...read more

If my account balance was multiplied by a million, I would invest in various areas, donate to charities, and fulfill my dreams.

• Invest in stocks, real estate, and businesses to grow wealth

• Donate to charities and support causes that are important to me

• Travel the world and experience different cultures

• Buy a dream house and a luxury car

• Invest in my education and personal development

Yes, I have taken a course on functional programming on Coursera.

• I have completed the course 'Functional Programming Principles in Scala' on Coursera.

• The course covered topics such as higher-order functions, recursion, and immutable data structures.

• I gained a solid understanding of functional programming concepts and how to apply them in practice.

• I also completed programming assignments and quizzes to reinforce my learning.

There is no definitive answer as to which sorting technique is better, as it depends on the specific requirements and constraints of the problem.

• The choice of sorting technique depends on factors such as the size of the data set, the distribution of the data, and the available resources.

• Some commonly used sorting techniques include bubble sort, insertion sort, selection sort, merge sort, quicksort, and heapsort.

• Bubble sort is simple but inefficient for large data sets, while ...read more

Yes, functional programming is a programming paradigm that treats computation as the evaluation of mathematical functions.

• Functional programming focuses on immutability and pure functions.

• It avoids changing state and mutable data.

• Higher-order functions and recursion are commonly used in functional programming.

• Examples of functional programming languages include Haskell, Lisp, and Scala.

I have a unique perspective on problem-solving.

• I approach problems from different angles, considering multiple solutions.

• I am not afraid to think outside the box and challenge conventional wisdom.

• I have a track record of coming up with innovative solutions.

• For example, in a group project, while everyone was focused on a single approach, I suggested an alternative method that turned out to be more efficient and successful.

Procedural programming focuses on procedures and functions, while object-oriented programming focuses on objects and their interactions.

• Procedural programming is based on a step-by-step procedure or set of instructions.

• Object-oriented programming is based on the concept of objects, which encapsulate data and behavior.

• Procedural programming is more focused on the algorithmic approach.

• Object-oriented programming promotes code reusability and modularity.

• In procedural programming...read more

Indices in relational databases are used to improve query performance by allowing faster data retrieval.

• Clustered index: Determines the physical order of data in a table.

• Non-clustered index: Creates a separate structure that contains a copy of the indexed columns and a pointer to the actual data.

• Unique index: Ensures that the indexed columns contain unique values.

• Composite index: Combines multiple columns into a single index.

• Covering index: Includes all the columns required b...read more

Credit Suisse is a leading global financial services company offering a wide range of investment banking and wealth management services.

• Credit Suisse has a strong reputation in the financial services industry.

• They provide comprehensive investment banking services, including mergers and acquisitions, capital raising, and advisory services.

• Their wealth management division offers personalized solutions for high-net-worth individuals and institutions.

• Credit Suisse has a global pr...read more

Investment banking offers exciting opportunities for financial analysis, strategic decision-making, and client relationship management.

• Opportunity to work on high-profile deals and transactions

• Challenging and dynamic work environment

• Opportunity to develop strong financial analysis and modeling skills

• Exposure to a wide range of industries and sectors

• Opportunity to work with top-tier clients and build strong professional networks

Yes, ADO.NET is part of VB.NET.

• ADO.NET is a data access technology in the .NET framework.

• It provides a set of classes and APIs for accessing and manipulating data from different data sources.

• VB.NET is a programming language that can utilize ADO.NET for database operations.

• ADO.NET allows developers to connect to databases, execute queries, and retrieve data in a structured manner.

• Example: Dim connection As New SqlConnection(connectionString)

Credit Suisse is a leading global financial services company with a strong reputation and a wide range of opportunities for growth and development.

• Credit Suisse is known for its expertise in investment banking and wealth management.

• The company has a global presence and offers diverse career opportunities in various locations.

• Credit Suisse has a strong commitment to innovation and technology, which aligns with my interests and skills.

• The company has a solid track record of fin...read more

Different keys in DBMS

• Primary key: uniquely identifies each record in a table

• Foreign key: establishes a link between two tables

• Candidate key: a minimal set of attributes that can uniquely identify a record

• Super key: a set of attributes that can uniquely identify a record

• Composite key: a key that consists of multiple attributes

• Alternate key: a candidate key that is not selected as the primary key

You can map the bulbs to their corresponding switches by toggling two switches and leaving one switch untouched.

• Toggle switch 1 and switch 2, leave switch 3 untouched.

• After a few minutes, toggle switch 2 back to its original position.

• Enter the room and observe the bulbs.

• The bulb that is on corresponds to switch 1, the bulb that is off and still warm corresponds to switch 2, and the bulb that is off and cool corresponds to switch 3.

Failure to avoid fiscal cliff could lead to severe economic repercussions globally and in the US, with India also being affected.

• The US economy could experience a recession, with a potential decrease in GDP and increase in unemployment rates

• Global financial markets could experience volatility and uncertainty

• India could be affected due to its close economic ties with the US, with potential impacts on trade and investment

• The failure to address the fiscal cliff could also lead t...read more

The amount of sand in a hole of dimension x on a beach cannot be determined without additional information.

• The volume of sand in the hole depends on the depth of the hole as well as its length and width.

• To calculate the volume, the formula V = lwh can be used, where l is the length, w is the width, and h is the depth of the hole.

• Without knowing the specific dimensions of the hole, it is impossible to determine the amount of sand it contains.

Given a string and an integer, create a new string by selecting the smallest character from the first K characters of the input string and repeating the process until the input string is empty.

• Iterate through the input string, selecting the smallest character from the first K characters each time.

• Remove the selected character from the input string and append it to the new string.

• Continue this process until the input string is empty.

• Return the final new string formed.

Merge K sorted arrays into a single sorted array.

• Create a min heap to store the first element of each array along with the array index.

• Pop the top element from the heap, add it to the result array, and push the next element from the same array back to the heap.

• Continue this process until all elements are processed.

• Time complexity can be optimized using a priority queue or merge sort technique.

The expected number of coin tosses to get 3 consecutive heads is 14.

• The probability of getting a head in a single coin toss is 1/2.

• The probability of getting 3 consecutive heads is (1/2)^3 = 1/8.

• The expected number of tosses to get 3 consecutive heads is the reciprocal of the probability, which is 8.

• However, the first two tosses can be tails, so we need to add 2 more tosses, making the total expected number of tosses 14.

Payoff curves of a Call Option and Put Option

• A Call Option gives the holder the right to buy an underlying asset at a specified price (strike price) on or before a specified date (expiration date)

• The payoff of a Call Option is positive when the price of the underlying asset is higher than the strike price

• The payoff of a Call Option is limited to the premium paid for the option

• A Put Option gives the holder the right to sell an underlying asset at a specified price (strike pric...read more

Sort an array of 0s, 1s, and 2s in linear time complexity.

• Use three pointers to keep track of 0s, 1s, and 2s while iterating through the array.

• Swap elements based on the values encountered to sort the array in-place.

• Ensure to handle edge cases like all 0s, all 1s, and all 2s in the array.

Given an array of digits and an integer K, find the maximum number by swapping digits up to K times.

• Sort the digits in non-increasing order to maximize the number.

• Swap the digits to achieve the maximum number within the given number of swaps.

• Handle cases where there are repeating digits and leading zeros.

Move all zeroes to the end of an unsorted array while maintaining the order of non-zero elements.

• Iterate through the array and keep track of the index to place non-zero elements.

• Once all non-zero elements are placed, fill the rest of the array with zeroes.

• Ensure to maintain the relative order of non-zero elements.

• Example: Input: [0, 1, -2, 3, 4, 0, 5, -27, 9, 0], Output: [1, -2, 3, 4, 5, -27, 9, 0, 0, 0]

Delete a node with a given value from a binary search tree (BST).

• Traverse the BST to find the node with the value K to be deleted.

• Handle different cases like node with no children, one child, or two children.

• Update the pointers of the parent node and child nodes accordingly.

• Recursively delete the node and adjust the tree structure.

• Return the root of the modified BST after deletion.

Given a preorder traversal of a BST, construct the BST and return its inorder traversal.

• Create a binary search tree from the preorder traversal array

• Return the inorder traversal of the constructed BST

• Ensure each element in the array is distinct

The eurozone crisis refers to the economic and financial difficulties faced by some countries in the European Union.

• The crisis began in 2009 with the Greek debt crisis and spread to other countries in the eurozone.

• It was caused by a combination of factors including high levels of debt, low economic growth, and structural problems within the eurozone.

• The crisis led to bailouts of several countries by the European Central Bank and the International Monetary Fund.

• Austerity measu...read more

The Libor Scam was a manipulation of the London Interbank Offered Rate (Libor) by banks to benefit their own trading positions.

• Libor is a benchmark interest rate used globally for financial products

• Banks were found to have manipulated the rate to benefit their own trading positions

• The scandal resulted in billions of dollars in fines for banks involved

• Several high-profile bankers were also convicted for their involvement

• The scandal led to reforms in the way Libor is calculated...read more

Estimating the number of street lamps in Kanpur is challenging without specific data.

• The number of street lamps in Kanpur can vary depending on factors like population density, road network, and urban development.

• One approach to estimate the number of street lamps is to consider the average number of lamps per kilometer of road.

• Another approach is to analyze the city's electricity consumption data to determine the approximate number of street lamps.

• Local government records or...read more

QE stands for Quantitative Easing. It is a monetary policy used by central banks to stimulate the economy.

• QE involves the central bank buying government bonds or other securities from the market to increase the money supply.

• The increased money supply is intended to lower interest rates, encourage borrowing and spending, and boost economic activity.

• QE is typically used when interest rates are already low and traditional monetary policy measures are no longer effective.

• Examples...read more

Derivatives are financial instruments that derive their value from an underlying asset or security.

• Derivatives can be used for hedging or speculation.

• Examples of derivatives include futures, options, and swaps.

• Derivatives can be traded on exchanges or over-the-counter.

• Derivatives can be complex and involve significant risk.

• Derivatives played a role in the 2008 financial crisis.

Prime Services is a suite of financial services offered by investment banks to hedge funds and other institutional clients.

• Prime brokerage

• Securities lending

• Cash management

• Risk management

• Trade execution

• Reporting and analytics

• Examples: Goldman Sachs Prime Services, J.P. Morgan Prime Services

Various means of power generation and their efficiency

• Renewable sources like solar and wind have high efficiency

• Fossil fuels like coal and gas have lower efficiency

• Nuclear power has high efficiency but also poses safety concerns

• Hydroelectric power has high efficiency but requires specific geographical conditions

• Efficiency also depends on the technology used for power generation

A balance sheet comprises of assets, liabilities, and equity.

• A balance sheet is a financial statement that shows a company's financial position at a specific point in time.

• Assets are resources owned by the company, such as cash, inventory, and property.

• Liabilities are obligations owed by the company, such as loans and accounts payable.

• Equity represents the residual interest in the assets of the company after deducting liabilities.

• The balance sheet equation is Assets = Liabili...read more

Investment banks help companies and governments raise money by issuing and selling securities.

• Investment banks act as intermediaries between issuers of securities and investors.

• They help companies and governments raise capital by underwriting securities offerings.

• They also provide advisory services for mergers and acquisitions, and other financial transactions.

• Investment banks may also engage in trading and market-making activities.

• Examples of investment banks include Goldman...read more

I would carefully review the balancesheet, identify the mistake, and make the necessary adjustments with proper documentation.

• Review the balancesheet thoroughly to identify the mistake

• Check for any errors in calculations or data entry

• Consult with colleagues or supervisors for assistance if needed

• Make the necessary adjustments with proper documentation to show the correction

• Ensure the balancesheet accurately reflects the financial position of the company

The present inflation rate varies by country and region.

• In the United States, the inflation rate was 5.4% in July 2021.

• In India, the inflation rate was 5.59% in July 2021.

• In the Eurozone, the inflation rate was 2.2% in July 2021.

• Inflation rates can be affected by factors such as supply and demand, government policies, and global events.

Credit card companies make money through interest charges, fees, and merchant fees.

• Interest charges on balances carried over from month to month

• Fees such as annual fees, late payment fees, and balance transfer fees

• Merchant fees charged to businesses for accepting credit card payments

• Rewards programs funded by interchange fees paid by merchants

• Foreign transaction fees for purchases made outside of the card's home country

The recent recession was caused by a combination of factors including the housing market crash, high levels of debt, and global economic instability.

• Housing market crash led to a decrease in consumer spending and investment

• High levels of debt made it difficult for individuals and businesses to borrow money

• Global economic instability, including the European debt crisis, affected international trade and investment

• Government policies and regulations also played a role in the rec...read more

Torque is the twisting force that causes rotation. Iron has greater torque than Al due to its higher magnetic properties.

• Torque is a measure of the twisting force that causes rotation.

• It is calculated as the product of force and the perpendicular distance from the axis of rotation to the line of action of the force.

• Iron has greater torque than Al due to its higher magnetic properties.

• This is because magnetic materials like iron have a greater tendency to align themselves with...read more

I am a finance graduate with experience in valuations and proficiency in SQL.

• Different treatments in valuations include market approach, income approach, and asset-based approach.

• Market approach involves comparing the subject company to similar companies that have been sold recently.

• Income approach focuses on the present value of future cash flows generated by the business.

• Asset-based approach values the company based on its tangible and intangible assets.

• SQL is a programming...read more

PE ratio is a financial metric used to evaluate a company's stock price compared to its earnings per share.

• PE ratio is calculated by dividing the market price per share by the earnings per share

• It helps investors determine if a stock is overvalued or undervalued

• A high PE ratio may indicate that a stock is overvalued, while a low PE ratio may indicate that it is undervalued

• Balance sheet is a financial statement that shows a company's assets, liabilities, and equity at a specif...read more

I learn best by actively engaging with the material through hands-on activities, discussions, and visual aids.

• Engage in hands-on activities to apply new information

• Participate in discussions to deepen understanding

• Use visual aids such as diagrams or charts to reinforce learning

Budgeting involves setting financial goals, allocations distribute resources, and rolling forecast process adjusts plans based on new information.

• Budgeting is the process of creating a financial plan for a specific period, typically a year, outlining expected revenues and expenses.

• Allocations involve distributing resources, such as funds or manpower, to different departments or projects based on the budget.

• Rolling forecast process is a continuous planning approach where forec...read more

Yes, I actively follow current financial trends to stay informed and make informed decisions.

• I regularly read financial news articles from reputable sources such as Bloomberg, CNBC, and The Wall Street Journal.

• I follow key economic indicators such as GDP growth, inflation rates, and unemployment rates.

• I monitor stock market trends and analyze market data to identify potential investment opportunities.

• I stay updated on regulatory changes and industry developments that may impa...read more

Stack and queue are data structures used to store and retrieve data in a specific order.

• Stack is a Last In First Out (LIFO) data structure, while queue is a First In First Out (FIFO) data structure.

• Stack operations include push (add element) and pop (remove element), while queue operations include enqueue (add element) and dequeue (remove element).

• Example of stack: Undo feature in text editors. Example of queue: Print job queue in a printer.