Uttar Pradesh Cooperative Bank Interview Questions and Answers

Credit worthiness is assessed by analyzing an individual's credit history, income, debt-to-income ratio, and overall financial stability.

• Reviewing credit reports to check for any missed payments or defaults

• Evaluating income sources and stability

• Calculating debt-to-income ratio to assess ability to repay loans

• Considering overall financial stability and savings

• Using credit scoring models to predict risk

Liquidity is crucial for both customers and bankers to ensure smooth operations and financial stability.

• Liquidity allows customers to easily access their funds when needed

• Banks need liquidity to meet withdrawal demands and fund operations

• Balancing liquidity is important to avoid financial crises

• Examples: Customers withdrawing cash from ATMs, banks maintaining reserve requirements

Diversion of extra sensory perception refers to the ability to redirect one's focus from external stimuli to internal thoughts or sensations.

• Ability to block out distractions and focus on internal thoughts or sensations

• Practice mindfulness techniques to enhance diversion of extra sensory perception

• Examples: meditation, deep breathing exercises, visualization techniques