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Finance Interview Questions & Answers - Learning Mode

Finance Interview Questions & Answers - Learning Mode

Finance is a field that deals with the study of investments. It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk. Finance can also be defined as the science of money management. "Finance" is a broad term that describes two related activities: the study of how money is managed and the actual process of acquiring needed funds.

Try Finance Interview Questions & Answers - Exam Mode

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Finance Interview Questions & Answers - Learning Mode
Try Finance Interview Questions & Answers - Exam Mode
Question: Please give me the name of nationalise banks in 1980 only?

Answer: The Government of Indian First phase 14 Nationalized banks:
1. Bank of India
2. Union Bank of India
3. Bank of Baroda
4. Bank of Maharashtra
5. Punjab National Bank
6. Indian Bank
7. Indian Overseas Bank
8. Central Bank of India
9. Canara Bank
10. Syndicate Bank
11. United Commercial Bank
12. Allahabad Bank
13. United Bank of India
14. Dena Bank

2nd phase 6 banks in 80s
1. Andhra Bank
2. Corporation Bank
3 New Bank of India
4. Oriental Source:
Question: What is the difference between real money & nominal money?

Answer: Nominal money is related to the measure of counting. nominal<br>figure is what is written on the bill. where as real money<br>relates to it's purchasing power.<br>for eg:<br>if 10 units in nominal money can buy 2 chocolates in 1980 and <br>1 chocolate in 2000, in the same way, 10 units of nominal<br>money is 10units of real money in 1980 and 5 units of real<br>money in 2000. Source:
Question: When should a company buy back stock?

Answer: When it believes the stock is undervalued and believes it can make money by investing in itself. This can happen in a variety of situations. For example, if a company has suffered some decreased earnings because of an inherently cyclical industry (such as the semiconductor industry), and believes its stock price is unjustifiably low, it will buy back its own stock. On other occasions, a company will buy back its stock if investors are driving down the price precipitously. In this situation, the Source:
Question: What is Demat Account? what is the use of it?

Answer: Demat means Dematerialisation of share, in simple it is an account with which a person can trade in security market without which a person cannot buy or sell any share in security market. Source:
Question: What are debentures?

Answer: A Debenture is " A certificate of agreement of loans which is given under the company's stamp and carries an undertaking that the debenture holder will get a fixed return and the principal amount whenever the debenture matures. Source:
Question: What Is The Difference Between JOURNAL ENTRY & LEDGER

Answer: A journal is also called as a book of prime entry.
transactions occured are first entered in this book to show
which accounts should be debited and which should be credited.

on the basis of entries made in the journal, accounts are
prepared, the book which contains the accounts is called a
ledger. transactions entered in the journal are classified
according to their nature and posted in their respective
accounts in ledger. it is also called as book of final entry Source:
Question: What is the difference between JOURNAL ENTRY & LEDGER

Answer: A journal is also called as a book of prime entry.<br>transactions occured are first entered in this book to show<br>which accounts should be debited and which should be credited.<br><br>on the basis of entries made in the journal, accounts are<br>prepared, the book which contains the accounts is called a<br>ledger. transactions entered in the journal are classified<br>according to their nature and posted in their respective<br>accounts in ledger. Source:
Question: What is Networth?

Answer: Networth is the total assets minus total liabilities of a company. Source:
Question: Why would a company distribute its earnings through dividends to common stockholders?

Answer: Regular dividend payments are signals that a company is healthy and profitable. Also, issuing dividends can attract investors (shareholders). Finally, a company may distribute earnings to shareholders if it lacks profitable investment opportunities. Source:
Question: can i carry indian currency to other countries and convert it there itself eg:- UK,USA?

Answer: Look your question is having little confusion.
Still what I understand is like this. All most all the
international markets are integrated through various
technology and web.
Thus it is well known as OTC(over the counter). Therefore
you can carry any currency to foreign country and get it
converted over there. Even banks offer this
can covert currency from your home through some clicks on
your computer mouse. Source:
Question: Have you applied to any other areas apart from banking?

Answer: Here off course your answer will hold some other finance or sales and marketing careers ? insurance or accountancy, altogether these careers should have skills related to banking. Source:
Question: what is the difference betwen p & l ac and income & expenditure statement

Answer: P&L A/c is prepared for the Business Organization whose aim
is to earn profit by running business whereas Income &
Expenditure A/c is prepared for the non-Profit
Organization,Trusts etc. Source:
Question: What is Treasury Bills?

Answer: Treasury Bills are money market instruments to finance the short term requirements of the Government of India. These are discounted securities and thus are issued at a discount to face value. Source:
Question: What is CareCredit?s healthcare financing? How does it work?

Answer: CareCredit's healthcare financing is unique. Unlike a traditional credit card, CareCredit offers financing specifically for healthcare treatments and procedures. These treatments can include much needed family dental work, cosmetic surgery or even veterinary services for your family's pet. It's easy to apply for CareCredit financing online at and you find out instantly if you are approved. CareCredit also gives you a 'No Interest' option, as well as an Extended Source:
Question: What is the punch line of job?

Answer: No matter how efficiently goods / services are produced, if
they cannot be delivered to the customer in the quickest
possible time it is vain. Source:
Question: Being the finance manager being of a company how will you make finance forecasting ?

Answer: First I will review the previous year's financial
statements to get an Idea about the financial operations.
Then will discuss with the management about the current
year's targets (viz. sales / services) & their growth
expectations. Based on that will prepare provisional P&L
acct & Balance sheet. I also will check whether there is
any posibility in cost cutting and make the adjustments
accordingly to arrive at expected profit. Source:
Question: What is accounting management?

Answer: Accounting management is the pratical application of management techniques to control and report on the financial health of the organisation.
It involves the analysis, planning, implementation and cotrol of programs designed to provide financial data reporting for managerial decision making. Source:
Question: Why do some stocks rise so much on the first day of trading and others don't? How is that "money left on the table?"

Answer: By "money left on the table," bankers mean that the company could have successfully completed the offering at a higher price, and that the difference in valuation thus goes to initial investors rather than the company. Why this happens and when it will happen is not easy to predict from responses received from investors during roadshows. Moreover, if the stock rises a lot the first day it is good publicity for the firm. But in many ways it is money left on the table because the company could hav Source:
Question: What is EPS?

Answer: Earning per share thats portion of stehcompay profit.. Source:
Question: What is Call Option?

Answer: Calls give the buyer the right but not the obligation to buy a given quantity of the underlying asset, at a given price on or before a given future date. Source:

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India News Network
Latest 20 Questions
Payment of time- barred debt is: (a) Valid (b) Void (c) Illegal (d) Voidable
Consideration is defined in the Indian Contract Act,1872 in: (a) Section 2(f) (b) Section 2(e) (c) Section 2(g) (d) Section 2(d)
Which of the following is not an exception to the rule, "No consideration, No contract": (a) Natural love and affection (b) Compensation for involuntary services (c) Completed gift (d) Agency
Consideration must move at the desire of: (a) The promisor (b) The promisee (c) The promisor or any other party (d) Both the promisor and the promisee
An offer which is open for acceptance over a period of time is: (a) Cross Offer (b) Counter Offer (c) Standing Offer (d) Implied Offer
Specific offer can be communicated to__________ (a) All the parties of contract (b) General public in universe (c) Specific person (d) None of the above
_________ amounts to rejection of the original offer. (a) Cross offer (b) Special offer (c) Standing offer (d) Counter offer
A advertises to sell his old car by advertising in a newspaper. This offer is caleed: (a) General Offer (b) Special Offer (c) Continuing Offer (d) None of the above
In case a counter offer is made, the original offer stands: (a) Rejected (b) Accepted automatically (c) Accepted subject to certain modifications and variations (d) None of the above
In case of unenforceable contract having some technical defect, parties (a) Can sue upon it (b) Cannot sue upon it (c) Should consider it to be illegal (d) None of the above
If entire specified goods is perished before entering into contract of sale, the contract is (a) Valid (b) Void (c) Voidable (d) Cancelled
______________ contracts are also caled contracts with executed consideration. (a) Unilateral (b) Completed (c) Bilateral (d) Executory
A offers B to supply books @ Rs 100 each but B accepts the same with condition of 10% discount. This is a case of (a) Counter Offer (b) Cross Offer (c) Specific Offer (d) General Offer
_____________ is a game of chance. (a) Conditional Contract (b) Contingent Contract (c) Wagering Contract (d) Quasi Contract
There is no binding contract in case of _______ as one's offer cannot be constructed as acceptance (a) Cross Offer (b) Standing Offer (c) Counter Offer (d) Special Offer
An offer is made with an intention to have negotiation from other party. This type of offer is: (a) Invitation to offer (b) Valid offer (c) Voidable (d) None of the above
When an offer is made to the world at large, it is ____________ offer. (a) Counter (b) Special (c) General (d) None of the above
Implied contract even if not in writing or express words is perfectly _______________ if all the conditions are satisfied:- (a) Void (b) Voidable (c) Valid (d) Illegal
A specific offer can be accepted by ___________. (a) Any person (b) Any friend to offeror (c) The person to whom it is made (d) Any friend of offeree
An agreement toput a fire on a person's car is a ______: (a) Legal (b) Voidable (c) Valid (d) Illegal
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