NEW INITIATIVE: ANSWER THESE INTERVIEW QUESTIONS PART 4

[@AnilAggarwalbankinterview]

For interview preparation, we will use this channel, join this channel : t.me/SBIandibpsprep

[@AdityaLodhi-po8gu]

Bank business is to take deposite and lend money. The interest charged credit provided is the banks profit. When a particular bank provide more and more credit then we can say that business of the bank is growing. Net interest margin is the difference of rate charged on credit provided by the bank and the interest paid by the bank on FD. From the credit advanced by the bank if income is flowing without any hindrance it is termed as robust asset quality. It is measure by NPA ratio. If NPA is low that mean bank has a good asset quality.

[@marans3236]

1.] Business for a bank is the sum of total deposit and total advanses in a day/month/quarter. That means if deposits or advanses increase business also increases. 2.] NIM net interest margin is difference between interest earned minus interest paid dividend by to assets multiplied by 100. It tell about the profitability of bank. If NIM is more profit is more. 3.] Asset quality: Movement of an asset from standard to npa and npa to standard . Asset quality review is done by rbi to know the financial health of the institution.

[@Navneet7997]

What is business for a bank. Banks do business by ● giving loans to customers ● buying investment options like trading government securities, mutual funds, etc. ● selling insurance services by partnerning with other insurance institutions. ● by giving additional products like locker services, etc. How we calculate a business of a bank. We can calculate business of a bank by taking the difference between interest on lending and interest on deposits which is also known as Net interest margin. It is the difference between the interest earn from lending and interest paid on deposits to the customer. This is also know as the earning of the banks. Meaning of asset quality. Loans are the primary assets for a bank. We can say an asset a low quality asset when borrower is not paying bank regularly, and vice versa. Banks gives weightage to their assets based on risks for example personal loans which are often given without collateral are considered 100% risky, mortgage loans as 50% risky and loans to government institutions as 0% risky.

[@mohits2208]

Business of a bank is to accept deposit and grant credit. On the credit Bank charges interest which is its income and when bank accepts more deposit its ability to give more credits increases and when bank's credit increases, it is said that the business of bank is growing. Net Interest Margin is the difference of Interest it gets on Credit and Interest it pays on its borrowings. Asset Quality is the measure of risk associated with the credit it gives. Asset quality is considered good when NPA is low.

[@Pooja_990]

The business of a bank is to act as a financial intermediary, connecting those who have excess funds with those who need funds. NIF ( Net Interest Margin)- It is the difference between interest earned by banks (loans and Investments) and interest paid by banks ( on deposits). Asset Quality- When banks give loan and they are good than we can say these are good quality assets. But on the other hand when loan become NPA then it is called bad quality assets. Means NPA ratio is low then it is good quality asset and when it is high so it called bad quality asset.

[@sapnakanu3093]

1. When we say bank is growing that simply means that its assets are growing means increase in loans, higher recovery of interest on given loans, less NPA, increase in deposits, increase in the net profit. 2. NIM stands for Net Interest Margin which means 5he difference between interest earn on loans and interest payable to depositors. It is calculated by subtracting interest expense from interest income divided by avg amount of interest income. 3. Asset quality means risk associated with particular assets like bond. Thank you sir 😊 🙏 3.

[@mridupolhandique8010]

1) Banks usually earn their income by borrowing or accepting money from the depositees and lending it to the borrowers at higher interest rates. The net interest income will be their earning after compensating the depositees with a certain interest rate against their deposits. 2) NIM: NIM stands for net interest margin, which is the percentage of the difference between interest earned on loans and investments and interest paid on deposits and other liabilities. It is the profitability benchmark for the banks. 3) Asset quality: It is the technique of evaluation of assets to measure the credit risk associated with them. Low asset quality means high NPA or vice versa.

[@alok02k]

Sir, Business of a bank involves the total volume of deposits and credits that a bank has. When it is said that the business of a bank is increasing, that means the overall deposits(CASA&RAFA) and credits of a bank are on the rise. Sir, Net Interest Margin(I am not sure about my answer), is the interest that a financial entity earns after paying interest to the depositors. It is the net difference between Interest Earned and Interest Paid. (Please correct me if I am wrong) Sir, Asset Quality refers to the health of the Assets that a financial entity has amassed. It shows how an asset is performing and evaluates the risks associated with it. It is one of the most important pillars in the study of Financial Risks.

[@ManishaSharma-nw1nh]

Sir business of a bank means total volume of deposits and credit that a bank has when the assets of banks are more than liablities means earning more profit decreasing npa, increased casa ratio ... May be m wrong somewhere so plz correct me wherever m wrong NIM stands for net interest margin that is the difference between the interest earned and interest paid to the depositors Asset quality refers to the risk associated with the credits.. That is lower the npa , secured loans increases asset quality

[@rahulpatel1905]

Sir its really help ful to learn financial term . Sir ek video personal question like introduction and hr related ideal answer k bre m bhi bnao tki comment m hum answer jan ske

[@AnilAggarwalbankinterview]

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[@AnilAggarwalbankinterview]

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[@rahulpatel1905]

@@AnilAggarwalbankinterview ok Sir

[@mukesh9626]

Sir ek request hai after sbi clerk last Registration date is over once again plz conduct applied state poll and the begining and end of the poll ootion plz put checking poll.since many candidates selected 1st option to see the result of poll instead of voting

[@AnilAggarwalbankinterview]

Ok

[@jokerman9869]

​@@AnilAggarwalbankinterview sir I am from Tamil nadu obc category if I want to apply another state which category I need to choose obc or general

[@Tobeemployed]

Sir my mother is a maid , and my father does not have daily work. What should I tell about if they ask me about my family background?

[@AnilAggarwalbankinterview]

Yes

[@AnilAggarwalbankinterview]

kzbin.info/www/bejne/qaGliYqBg9CNqMk

[@nikhiljagga2759]

Sir union Bank lbo ko kaise mange kre kioki current affairs nhi ati thi par vase exam acha hua h, aur local language pe focus kru ya NIACL aur sbi po pe, kaise karna chahiye please suggest

[@Kalpana_1309]

Sir form fill krte time name small letter m likh diya.... future m koi problem aa skti h kya... please sir reply soon otherwise form fill krns pdega dusra... please sir reply soon 😢

[@AnilAggarwalbankinterview]

Call helpdesk

[@Kalpana_1309]

@AnilAggarwalbankinterview sir y kahan milega?

[@PavithraYadav-i7z]

Sir in my provisional certificate date of passing is in June but my result come in May which one I have to entered in passing date.

[@AnilAggarwalbankinterview]

Call helpdesk

[@neerusingla2599]

Sir kya answer key k liye Rti lga skte h pls reply

[@AnilAggarwalbankinterview]

Yes

[@neerusingla2599]

@AnilAggarwalbankinterview sir rti ka process kya h mujhe rrb clerk k regarding lgani h 🙏

[@supranshu7057]

Sir mere sub caste mai koeri ki jgha koiri ho gya koi problem aaegi

[@supranshu7057]

Sir help me

[@Authentic_345]

Sir if I couldn't answer a question in English can i answer it in hindi in interview? Plz reply..

[@AnilAggarwalbankinterview]

Yes

[@balajiarunkumar1743]

Sir, i am 29 years from tamilnadu. I cleared rrb po from Karnataka..shall i try sbi ja in tamilnadu or focus on ibps po sbi po

[@AnilAggarwalbankinterview]

Focus on po

[@theertheshnr8697]

Sir when will we expect ubi lbo exam results?

[@AnilAggarwalbankinterview]

No information

[@FreedomVoice4]

Sir i belong to ST Category but unfortunately I happen to tick SC in my RRB CLERK MAINS EXAMS. Is there any chance of getting correction for this issue?

[@AnilAggarwalbankinterview]

No

[@samena5082]

Sir where is the link of teligram channel

[@AnilAggarwalbankinterview]

For interview preparation, we will use this channel, join this channel : t.me/SBIandibpsprep

[@studymatters6026]

Sir iam a guarantor of certain loan,can this hamper selection in dv process.please answer 😢

[@AnilAggarwalbankinterview]

Check cibil

[@jokerman9869]

Sir I am from Tamil nadu obc category if I want to apply another state which category I need to choose obc or general

[@santkrsingh4520]

Obc

[@priyanshigupta1187]

Sir ibps rrb clerk ka application reprint option kb activate hoga

[@AnilAggarwalbankinterview]

I will discuss

[@shilpagupta6429]

sir mere ibps po mains m or interview m kitne marks lane pdenge ki general cutoff par hojaye

[@sunnygupta8105]

sir when can we expect 4th round of rrb amalgamation to conclude?

[@AnilAggarwalbankinterview]

1 april

[@ashvineesingh]

Sir sbi clerk ke form me year nhi select ho pa rha year ka option hi open nhi ho rha aaj subah se try kar rhi hu bas eak din hi aur bache hai sir please help

[@AnilAggarwalbankinterview]

Call helpdesk tomorrow

[@Sai-ew6ts]

Sir i putten signature blue ink in sbi clerk application. Is my application valid.please reply

[@AnilAggarwalbankinterview]

Call helpdesk

[@samena5082]

Sir my obc certificate has Ap address but I wrote my permanent address in application form was TG In ibps po Is there any problem??? Please 🙏🏼 tell respond sir

[@AnilAggarwalbankinterview]

Depends on checking official

[@samena5082]

@AnilAggarwalbankinterview sir is there any major problem...

[@swagatranjan_yesofficer]

Sir ubi LBO ka result kab tak ayega?

[@lizuskitchen4251]

Sir please do a poll for sbi clerk applied state.

[@PadmajaKondru-c6r]

Sir i have to crack bank exam....so plz help me

[@Vikas-fz9ob]

Sir i have cleared rrb scale 3. Thnks for ur blessings. Sir DV kb start hoga ,any idea. Mujhe Mizoram rural bank allote hua hai. Aage kya procedure rhega

[@Vikas-fz9ob]

Reply awaited

[@VeikenOfficial]

Brother, where are you currently working? Is it by any chance Mizoram Rural Bank?

[@kapildhakad580]

Sir my category is OBC NCL in MP And i apply from gujrat but my caste not in gujrat central gov obc list Sir i can apply from gujrat (obc)

[@AnilAggarwalbankinterview]

OBC certificate containing the 'Non-creamy layer' clause, issued during the period 01.04.2024 to the date of taking up the appointment, if found suitable for, will have to be submitted at the time of joining. OBC category candidate should submit the OBC certificate on the format prescribed by Govt. of India, having “Non-Creamy Layer’’ clause issued during period 01.04.2024 to the date of taking up appointment, if selected.

[@kapildhakad580]

@AnilAggarwalbankinterview sir mujhe gujrat se apply karne par oBC ncl benefits milega

[@ankitayadav4707]

Sir please help me mere marksheet me KM Ankita yadav hai aur adhar card pan card me Ankita yadav hai form fill up me kya daale....

[@ankitayadav4707]

Ankita yadav daali hu form me but payment abhi tak nhi kri hu isi doubt ki wjah se

[@AnilAggarwalbankinterview]

Call helpdesk

[@ankitayadav4707]

Kaha se sir kaise

[@balvindersenty]

Sir mera rrb clerk Rajasthan se clear hua h thank you so much sir for your guidance 🙏🙏🙏🙏