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Finance Interview Questions & Answers - Learning Mode
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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: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
Question: What is Networth?

Answer: Networth is the total assets minus total liabilities of a company. Source: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
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 carecredit.com and you find out instantly if you are approved. CareCredit also gives you a 'No Interest' option, as well as an Extended Source: CoolInterview.com
Question: Who is a more senior creditor, a bondholder or stockholder?

Answer: The bondholder is always more senior. Stockholders (including those who own preferred stock) must wait until bondholders are paid during a bankruptcy before claiming company assets. Source: CoolInterview.com
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: CoolInterview.com
Question: When should a company issue stock rather than debt to fund its operations?

Answer: There are several reasons for a company to issue stock rather than debt. The first is if it believes its stock price is inflated, and it can raise money (on very good terms) by issuing stock. The second is when the projects for which the money is being raised may not generate predictable cash flows in the immediate future. A simple example of this is a startup company. The owners of startups generally will issue stock rather than take on debt because their ventures will probably not generate pre Source: CoolInterview.com
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: CoolInterview.com
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: CoolInterview.com
Question: What is EPS?

Answer: Earning per share thats portion of stehcompay profit.. Source: CoolInterview.com
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 service....you
can covert currency from your home through some clicks on
your computer mouse. Source: CoolInterview.com
Question: Tell me about an experience in which you had to use tact?

Answer: Tact and diplomacy are important qualities in retail banking ? the customer is (almost!) always right. You may have to tell an account holder diplomatically why they can't have a loan for example, without provoking them into moving their account elsewhere.
To answer this type of question, think through everything you have done in the last five years ? school, university, sports, clubs, societies, travel, vacation jobs etc. and try to think of situations where you had to demonstrate this a Source: CoolInterview.com
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: CoolInterview.com
Question: What are the most important qualities for an investment banking career?

Answer: This question is actually a question about your academic qualifications and the thoughts with which you have decided to join the profession of investment banking.
To answer this question perfectly, you would have to go back to your books and understand the concepts that were taught to you in business school. Make sure that you put across the point that being good with numbers, being in the knowledge of current and past market status, and having a good financial strategy that is unfailing are Source: CoolInterview.com

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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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