55 Js bank Interview Questions and Answers | HR, Technical & Aptitude Prep

20 common asked question in every interview

Aptitude Personal Banker

Ques:- Four sisters- Suman, Simran, Ruma and Seema are playing a game such that the loser doubles the money of each of the other players from her share. They played four games and each sister lost one game in alphabetical order. At the end of fourth game, each sister has Rs. 32. How many rupees did Suvarns start with?

Asked In :- js bank,

Right Answer:
Suman started with Rs. 8.

Customer Service Executive/ Officer Retail Banking

Ques:- What is Capital adequacy ratio?

Asked In :- RANDSTAD INDIA PVT, OPENSPACE SERVICES, Zyoin Web Pvt., Medline Industries India, GNH Solutions, Invendis Technologies India, aQb Solutions, eGain Communications, Norfolk Southern Corp, Befree,

Right Answer:
The Capital Adequacy Ratio (CAR) is a measure of a bank's capital in relation to its risk-weighted assets, indicating the bank's ability to absorb losses and maintain financial stability. It is expressed as a percentage and helps ensure that banks have enough capital to cover potential risks.

Aptitude Customer Service Executive/ Officer

Ques:- If you were given 10 lakhs what business you would like to open and why?

Asked In :- AroDek, On Demand Agility Software, Everi India, ANSR GLOBAL CORPORATION, CBRE Group, Verticurl Marketing, Aliens Group, Bajaj Allianz, Bharat Matrimony, Britannia,

Right Answer:
I would open a digital marketing agency because there is a growing demand for online presence among businesses, and I can leverage my skills to help them succeed.

Customer Service Executive/ Officer

Ques:- A is two years older than B who is twice as old as C. If the total of the ages of A, B and C be 27, the how old is B?

Asked In :- MatchMove India, Wellness Forever, MAHINDRA HOLIDAYS AND RESORTS INDIA LIMITED, ELEVATE SERVICES INDIA, CONDUENT BUSINESS SERVICES INDIA LLP, Black and White Business Solutions, aQb Solutions, NICE inContact, Airborne Recruiting, Befree,

Right Answer:
B is 11 years old.

Customer Service Executive/ Officer Other

Ques:- What you will do in a particular situation

Asked In :- Born Commerce, Head Field Solutions, Noesys Consulting, EduGorilla, Lucid Software, VALUEWING CONSULTANCY SERVICES (P), Peoplefy Infosolutions, Everi India, Gallagher Service Center LLP, Health Asyst,

Right Answer:
I would assess the situation, gather relevant information, and then take appropriate action to resolve the issue while ensuring clear communication with the customer.

Customer Service Executive/ Officer Personal Questions round

Ques:- Why are you the best person for this job?

Asked In :- RANDSTAD INDIA PVT, Noesys Consulting, Softcell Technologies, EduGorilla, Amtech Electronics India, Damco Solutions, Invendis Technologies India, Logisoft, Naaptol, Borderless Access,

Right Answer:
I believe I am the best person for this job because I have strong communication skills, a passion for helping customers, and a proven track record of resolving issues effectively. My ability to stay calm under pressure and my commitment to providing excellent service align well with the values of your company.

Credit Analyst/ Officer financial management

Ques:- What “rights issue” do the shareholders of a company have under Companies Act, 1956?

Asked In :- Razorpay-Startup, P&G Procter Gamble, RGCA, Expeditors International (India), InCred, Harrisons Malayalam, LVS, TD Direct Investing International, Camfed USA, Oilserv (Nigeria),

Right Answer:
Under the Companies Act, 1956, shareholders have the right to participate in a rights issue, which allows them to purchase additional shares in the company in proportion to their existing holdings, typically at a discounted price, before the shares are offered to other investors.

Financial Analyst financial management

Ques:- What functions do the registrars to the issue perform?

Asked In :- IPE Global, NISC Exports Services (p), Shakti Pumps, Offshore Accounting & Taxation Services, Engro, Everest Bank, ITC Indian Tobacco Company, JSL, OCCL, PRAN-RFL,

Right Answer:
Registrars to the issue perform functions such as managing the issuance of securities, maintaining records of shareholders, processing applications for shares, ensuring proper allocation of shares, and handling the transfer of shares between buyers and sellers.

Assistant Manager financial management

Ques:- What are the objectives of inventory management?

Asked In :- Bajaj Finserv Lending, District Cooperative Central Bank DCCB, Engro, Quantile, Sobha Developers, Absyz Software Consulting, IDeaS - A SAS Company, Novopay Solutions, edwisor, Redcliffe Life Sciences,

Right Answer:
The objectives of inventory management are to:

1. Maintain optimal inventory levels to meet customer demand.
2. Minimize holding and storage costs.
3. Reduce stockouts and excess inventory.
4. Improve cash flow and working capital.
5. Enhance inventory turnover rates.
6. Ensure accurate inventory records and data.
7. Support efficient production and supply chain operations.

financial management

Ques:- What are the different types of leverages computed for financial analysis?

Asked In :- DataTracks Services, Himatsingka Seide, KKR, MOL, Capgemini Invent, Synergy Consulting, edwisor, Millennium Organisation, Valuefy Solutions, TCI Express,

Right Answer:
The different types of leverages computed for financial analysis are:

1. **Operating Leverage** - Measures the proportion of fixed costs in a company's cost structure.
2. **Financial Leverage** - Measures the use of debt to acquire assets and its impact on earnings.
3. **Combined Leverage** - Measures the total effect of both operating and financial leverage on a company's earnings.

Financial Analyst financial management

Ques:- Explain: Perpetual inventory system and its aims.

Asked In :- Panacea Medical Technologies, Protiviti Consulting, BOM, BPSC, ITC Indian Tobacco Company, KKR, Lucky Cement, OCCL, Bajaj Allianz General Insurance Co, Crawford and Company,

Right Answer:
A perpetual inventory system is a method of tracking inventory levels in real-time, updating records continuously as sales and purchases occur. Its aims are to provide accurate inventory data, improve stock management, reduce discrepancies, and enhance decision-making regarding inventory control.

Accounting

Ques:- The balance of fixed assets of Y Ltd. at cost at the end of 2013 and 2014 were Rs 5,70,800 and Rs 6,15,300. During the year 2014 a machinery costing Rs 60,000 was sold. Determine the purchase of fixed assets.

Asked In :- AB InBev, M&T Bank Corporation, js bank, mejuri,

Right Answer:
The purchase of fixed assets during 2014 was Rs 1,04,500.

Accounting

Ques:- Tell me about a situation where you showed determination?

Asked In :- Arbuthnot Latham, js bank, bank of abyssinia s.c.,

Right Answer:
In my previous job, we faced a tight deadline for a financial audit due to unexpected staff shortages. I took the initiative to reorganize the team's tasks, worked extra hours, and coordinated closely with other departments to gather necessary documents. My determination helped us complete the audit on time, ensuring compliance and maintaining our reputation with stakeholders.

Accountant/ Accounts Executive Accounting Standard

Ques:- What is accounting standard?

Asked In :- selfridges, js bank, dav public school, aegis, genworks health, sundry foods limited, fccs,

Right Answer:
An accounting standard is a set of guidelines and rules that companies must follow when preparing their financial statements, ensuring consistency, transparency, and comparability in financial reporting.

Account Receivable Accounts Assistant/ Book Keeper

Ques:- What are sundry debtors?

Asked In :- Gujarat Alkalies and Chemicals GACL, brf, js bank, liberty specialty markets, nerc, icea lion group, micro finance, agl,

Right Answer:
Sundry debtors are individuals or businesses that owe money to a company for goods or services provided on credit, but are not part of the company's regular customer base.

Account Payble Cost Accountant/ Icwa

Ques:- What are variable costs?

Asked In :- Wipfli, Millennium Management (Investment Firm), Eli Lilly Company India Pvt Ltd, js bank, gsd, sams club pharmacy,

Right Answer:
Variable costs are expenses that change in direct proportion to the level of production or sales volume. Examples include raw materials, direct labor, and shipping costs.

Problem Solving

Ques:- You have been called in by an accounting firm that is experiencing declining profitability in its auditing operation. What levers would you push to help improve profitability?

Asked In :- AnAr Solutions, Codiant Software Technologies, Infinity Labs LLP, Head Field Solutions, Principal Global Services, APPSIERRA SOLUTIONS, CodeClouds IT Solutions, mobifly, MBR Informatics, FUTURISM TECHNOLOGIES PVT,

Right Answer:
1. Analyze and streamline processes to reduce inefficiencies.
2. Invest in technology to automate repetitive tasks.
3. Train staff to improve skills and productivity.
4. Review pricing strategies and adjust fees if necessary.
5. Focus on high-value clients and services.
6. Enhance marketing efforts to attract new clients.
7. Monitor and control costs more effectively.
8. Implement performance metrics to track and improve productivity.

Problem Solving

Ques:- Lets say our bank has hired you to determine how it can grow in the local market, specifically in retail banking. What are the factors you would look at to assess the situation? What is your recommendation?

Asked In :- Winsoft Technologies India Pvt. Ltd, DREAMORBIT SOFTECH PVT, Elite Software Solutions, SysTrack Solution, Technostacks Infotech, Target Integration, Newt Global India, Amtech Electronics India, Hinduja Tech, Lorven Technologies,

Right Answer:
To assess the situation for growing in retail banking, I would look at the following factors:

1. **Market Analysis**: Understand the local demographics, customer needs, and preferences.
2. **Competitor Analysis**: Identify key competitors, their offerings, strengths, and weaknesses.
3. **Customer Feedback**: Gather insights from current customers about their experiences and expectations.
4. **Product Offerings**: Evaluate existing products and services for relevance and competitiveness.
5. **Technology Adoption**: Assess the bank's digital capabilities and online banking services.
6. **Regulatory Environment**: Understand any regulations that may impact retail banking operations.
7. **Marketing Strategies**: Review current marketing efforts and their effectiveness in reaching target customers.

**Recommendation**: Focus on enhancing digital banking services, tailor products to meet local needs, improve customer service, and implement targeted marketing campaigns to attract new customers while retaining existing ones.

Problem Solving

Ques:- Tell us about a time that you had to work on a team that did not get along. What happened? What role did you take? What was the result?

Asked In :- Vinove Software & Services Pvt Ltd, Shipco IT, Aranca (Mumbai), Solace Infotech, Razorpay-Startup, RTB DEMAND, Wellness Forever, First Zen, Target Integration, Mindcurv Technology Solutions,

Right Answer:
In a previous project, our team had conflicting ideas about the approach to take. I noticed the tension and decided to facilitate a meeting where everyone could express their views. I encouraged open communication and helped us find common ground. By focusing on our shared goals, we developed a compromise that incorporated elements from each perspective. As a result, we improved our collaboration and successfully completed the project on time.

Problem Solving

Ques:- What will you do when client is asking you to provide something which has no meaning?

Asked In :- Unyscape Infocom Pvt. Ltd., DREAMORBIT SOFTECH PVT, MattsenKumar Services, LiteBreeze Infotech, Energytech Global, Razorpay-Startup, Softcell Technologies, Big Rattle Technologies, Rits Software, Zyoin Web Pvt.,

Right Answer:
I would ask the client for clarification on their request, explain why it may not have meaning, and suggest alternative solutions that align with their goals.

JS Bank is a prominent financial institution renowned for its commitment to innovation, customer service, and community development. Established with a vision to revolutionize the banking sector in Pakistan, JS Bank has rapidly expanded its footprint and emerged as a key player in the country's financial landscape. At the heart of JS Bank's operations is a dedication to providing comprehensive banking solutions tailored to meet the diverse needs of its customers. From retail banking services to corporate finance and investment banking, the bank offers a wide range of products and services designed to empower individuals and businesses alike. One of the hallmarks of JS Bank is its emphasis on leveraging technology to enhance the banking experience. Through the implementation of cutting-edge digital solutions and mobile banking platforms, the bank has made banking more accessible, convenient, and secure for its customers. Beyond its commercial endeavors, JS Bank is deeply committed to corporate social responsibility initiatives aimed at driving positive change in the communities it serves. Through various philanthropic programs and partnerships, the bank actively contributes to social welfare, education, healthcare, and environmental sustainability. With a strong foundation built on integrity, transparency, and trust, JS Bank continues to set new standards of excellence in the banking industry. As it embarks on its journey towards further growth and expansion, the bank remains dedicated to delivering value to its customers, shareholders, and society at large.

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