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Important Interview Questions for Banking Promotion Exam
Some Important Interview questions /Topics for Coming Promotion:
1. What is the difference between WCTL(Working capital term loan) and FITL (Funded Interest Term loan).
2.What is packing credit finance ?
3.What is the guidelines by RBI to banks wrt Working capital demand loan.
4.How drawing power calculated in CC accounts
5.What do you mean by SPREAD wrt Loan accounts
6.What is the difference between Primary security and collateral security.
7.What are the Assets which cannot be taken as security.
8.different modes of charging securities ( Lien,Hypothecation,pledge,, Assignment,Mortgage)
9.What do you mean by Charging of securities, Difference between Fixed charge, Floating charge and Pari passu charge
10.Different types of Mortgages
11.Why Legal audit required in Banks and what is the guidelines wrt to Legal Audit
12.which are the Bank deposits , where Loan cannot be given
13.What is the meaning of surrender value in LIC policy/Insurance policy
14.Questions on Capital Market securities and government securities
15.Qustions on Balance sheet analysis.
16.Latest modification wrt Credit audit
17.Questions about Sajag/EWS/ LRM /Red flagged accounts etc
18.Profit and Loss statement
19.Different tools for Collection/Recovery
20. SMA /IRAC/FTNPA/Provisioning/ NPA /CRILC
21.PL Statement and operating statement
22.Ratio analysis and cash flow statement
23.Working capital assessment
24.Risks involved in Banking Business and Exposure limits
25.BASEL norms and BASEL III on liquidity standards
26.Management of stressed assets/ NPA management/ DRTs/ sarfaesi/ NCLT etc
27.Insolvency and Bankruptcy code
28.Money market borrowing instrument and Money market investments
29.Credit ratings and agencies
30.capital market and its participants
31.Priority sector lending
32.Govt sponsored schemes
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