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CSFB Banking Interview Questions with Answers

Posted on :28-04-2016

Q1. What is the difference between a bank and a credit union?

ANS:

Banks are for-profit companies. Like other financial institutions that offer personal banking products and services to the public, banks make money by making loans (borrowers pay interest to the bank) and charging certain fees.

A credit union is similar to a bank, but it is a non-profit financial cooperative, which means it is owned by its members and not by outside shareholders. Like banks, credit unions charge interest and fees, but they are typically lower. 


Q2. What are the various risks that banks face?

ANS:

There are mainly three types of risks faced by banks:-
  1. Credit Risk: - loan or NPA.
  2. Market Risk: - Money invested in the market.
  3. Operational risk: - Day-to-Day working risks.


Q3. What are the parts of banks capital?

ANS:

Bank has following parts of capital:-
  1. Tier 1 capital: - Paid up capital (core capital) + Reserves (owners or promoters fund)
  2. Tier 2 capital: - Secondary Capital (borrowed funds) + general loss reserves + subordinated term debts + undisclosed reserves (cannot be maintained in India)
  3. Tier 3 capital: - Same as tier 2 capital but with a higher amount in order to face the market risks of the bank.


Q4. What is Para Banking?

ANS:

Para Banking includes all the services provided by banks apart from day to day banking. 

For example: - Debit cards, Credit cards, Life Insurance products, Cash Management services etc.


Q5. What is the difference between Micro finance and micro credit?

ANS:

Micro credit is giving a small amount of loan to the customers whereas Micro Finance is a wide term. It includes small loan + training on financial matters. 

In other words, Micro finance= Microcredit + Financial Literacy.


Q6. What is financial inclusion? 

ANS:
 
Financial inclusion is the availability of banking services at a affordable cost in order to include the weaker section of the society in the banking system. 


Q7. What is the difference between cheque and demand draft?

ANS:

Cheque is a negotiable instrument which is paid to the bearer but a demand draft is a negotiable instrument always payable on order.


Q8.  What is white label ATM?

ANS:

It refers to ATMs owned by corporate or private operators seeking to earn a commission by banks for transactions performed by their customers. 

For ex:- INDICASH by TATA group.


Q9. What is brown label ATM?

ANS:

It refers to the ATMs where investment, installation and maintenance is by a private operator but the license and branding is by a commercial bank.


Q10. What is the difference between FII and FDI?

ANS:

FDI or foreign direct investment is an investment that a parent company makes in a foreign country. 

FII or Foreign Institutional Investor is an investment made by an investor in the markets of a foreign nation. 

FII can enter the stock market easily and also withdraw from it easily. But FDI cannot enter and exit that easily as FDI only targets a specific sector.


Q11. What is inflation and deflation?

ANS:

Inflation is the increase in the price of goods and services due to more demand and less supply. In inflation, there is more liquidity in market which has to be controlled to reduce the purchasing power of customers. 

Deflation is the decrease in prices of goods and services due to more supply and very less demand. In deflation, there is lack of liquidity in market which results in very weak purchasing power of people.


Q12. What is CBS?

ANS:

CBS stands for CORE banking solutions under which the branches of the banks are interconnected with each other through intra net with a central database server. 

Now, with this facility, a person having an account in a certain branch of the bank can operate from any other branch of the same bank. He need not visit the same branch to operate his account. The CORE word in CBS stands for Centralized Online Realtime Exchange.


Q13. What kinds of accounts do credit unions offer?

ANS:

Like banks, credit unions offer checking and savings accounts. Most credit unions have their own ATMs where you can make deposits and withdrawals. They typically also offer phone, online and mobile banking options. 

Also like banks, many offer safe deposit boxes, which are metal drawers in a financial institutions vault that can be used to keep jewelry, paperwork and small valuable items safe. 


Q14. What is a point - of - sale transaction?

ANS:

You can use your debit card to make purchases at stores that accept such cards - this is called a point-of-sale transaction. 

Some businesses, such as grocery stores, will allow you to get cash back while you are making a purchase with your card.


Q15. What is a certificate of deposit?

ANS:

Certificates of deposit (CDs) are government-insured savings vehicles that can pay as much as double the interest rate of savings accounts. 

But you may have to agree to leave your money on deposit for six months, a year or longer to get the best CD rates. 

If you take your money out early, you may have to pay a penalty (a part of your principal) as well as lose interest income.


  
   






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