thank you dear,,,,but ye kuch internship related question hain aur wo bhi mostly particulaly banking sector se related.....agar Final project ho profitability ratio analysis of textile pe to .....On Wed, Jul 25, 2012 at 3:24 PM, Thanz <shinestar.star86@gmail.com> wrote:FIN619 FAQ MBA Finance viva Questions
Samina Ameer Din1. What is the major difference b/w PLS Saving A/C & Current A/C?
Answer: The major difference between PLS Saving & Current A/C is that in PLS Saving A/C zakat is deducted & profit is added. But in Current A/C no zakat deduction & no profit is added.2. What is the difference b/w Pay order & Demand Draft?
Answer: PO is used to make transfer of money with in city but the DD is used to make transfer of money with other city. PO is cashed only by the issuing branch. DD is cashed only in the branch of the same bank in other city.3. Then she said samina what is "Next of Kin" explain it?
Answer: Next of Kin is that person whose name the account holder gives as a reference at the time of account opening. This can be any person neighbor, friend, sister, brother, mother, father etc
4. What is KYC do you know anything about it?
Answer: KYC stands for Know Your Customer. In this form, all the basic information plus the information about the source of earning of account holder is given. So bank can know about his/her earning whether its legal or illegal and can make prevent from money laundering activities.5.What is initial deposit amount for opening the PLS Saving A/C & Current A/C?
Answer: The initial deposit amount for opening the PLS Saving A/C is Rs.100 & for Current A/C is Rs.500.6. Then she said Samina what is CDR?
Answer: CDR stands for Call Deposit Receipts. It is also used to make transfer of money in other city, but the CDR is cashed only by the issuing branch.7. After that I explain the difference between the PO, DD & CDR?
Answer: The main difference between PO, DD & CDR is that PO & CDR is cashed only by the Issuing branch. But the DD is cashed only in the branch of the same bank in other city.8. Explain Gross Spread ratio then asked what is interest earned of the bank?
Answer: I explained this ratio. Interest earned of a bank is that, that the bank gives loans to the customers and takes the interest from the borrowers. This is the interest earned of a bank.
9. Then he asked about Non Interest Income to Total Income ratio, what is the non interest income of bank?
Answer: I explained this ratio. I said non interest income of a bank is commission, fees & the income from dealing in currencies. Then the male asked tell the name that of Non Interest Income that NBP is gaining. I said interest on loans he said no it's the direct income of a bank I said ok. Then I thought & told the income for making the PO, DD& CDR is the non interest income of NBP he said yes this is the non interest income.10. About Spread ratio, what this graph is showing in all of the years? Increasing ratio is good for bank or not?
Answer: I said this ratio is higher in 2008, but in 2009 & 2010 this ratio is decreasing due to increase in interest expenses. This is a profitability ratio so increasing ratio is good for NBP. Because increasing ratio shows that the NBP has the ability to pay its interest expenses with its interest earned.11. Please recommend any one point that should be improved I said NBP need to improve its Advances to Deposits Ratio.
Answer: Female asked me how this ratio can be Improved, I said NBP has much Deposits. NBP should use its deposits in advancing to the borrowers. When NBP will give advances to its borrowers then it will gain interest income and this ratio will automatically increased.
FAQs Related to MBA Finance Viva Shared by (mc090405570 Faisal)
- What is Outward and Inward clearing?
- What is difference between bearer cheque and cross cheque?
- What is clearing stamp and why we affix it?
- What is crossing of cheques?
- How Bank can decrease its interest Expense
- What is meant by Term "Next of kin"
10-What is AOF by the way?
11- What is gearing ratio?
12-tell me the Bench mark of capitalization ratio ?
13-what is sales of bank ?
14-What the deference between services and sales?
15-financial statements ki kitni typed hoti hainAnswer : there are four types of financial statements:
1) income statement
2)statement of owner equity
3)balance sheet
4)statements of cash flows
(fin 621, page no. 01)
16-times interest earned ratio kis liye use hoti hy.
17-Clearing functions
18-Different between demand draft and pay order
19-brief question about cheque book issuance
20-Account opening procedure
21-Current Account min balance
22-Call Account
23-overdraft Account
24-Current Ratio
25-why Acid Test Ratio is called Quick Ratio
26-Interest Earned Ratio
27-Debt to equity( explination of component percentage)28-What is the Net profit margin
29-What is the difference between Assets turnover ratio or 30-Return on assets
31-What is Operating Income Margin
32-What is the difffence between EBIT and Operating Income margin
33-What is the formula of EBIT
34-What is the formula of Operating Income Margin
35-What is dupont return on Assets
36-How do you differenceiate between dupont reuturn on assets and Operating Assets Turnover.
37-What is the formula of dupont return on Assets
38-Difference between Liquidity Ratio and Gearing Ratio:
39-Define Time Interest Earned Ratio:
40-What is EBIT?
41-Difference between Net Profit and Return on Assets:
42-Define the sale of Banks and its integral parts
43-What is Lease Payment
44-Define Fixed Charge Coverage Ratio
45-how banks done its operations in effective manners:
46-What are the operating fixed assets.
47-BBA Account n pls ka difference ?
48-clearing
50-remittance department
51-DD n PO definition and difference
52-cheque n DD ka difference
53-DD kaise safe mode payment he.
54-current ratio ka bench mark
55-explain current ratio
56-Disadvantages of current ratio if it is high
57-Tell us the range of debt to equity ratio, If debt is 10% and equity is 90% then whether it is fav or not?
58-Explain stock items and their quantity?
59-What is your recommendation according to ratio analysis?
60-Explain Acid test ratio and how much it is fav for company?
61-If Asset is exit in terms of cash so it is fav or not?
62-difference b/w account opening form and kyc form?
63-Then they ask what is main thing in the CNIC we check
64-where it can be checked that the CNIC of the customer is fake or not
65- What is photo a/c
66- How You calculate the EBIT.
67- What is main liability of the bank
68- If 0.9010 show the debt then where is the equity
69- suppose debt ratio 5: 1 is it is good or not
70- What is Difference between Demand draft and pay order
71- What is Difference between inward and outward clearing
72- What are the requirements of account opening.
73- What is meant by next of kin
74- What is SS Card.
75- How many signatures are taken on SS card?
76- What is general and special crossing?
77-What is BBA account?
78- For whom BBA account is opened?
79 What is the requirements of the bank to open a BBA account?
80 Is there any withdraw limit BBA account?81 What is SS card?
82 Define Net profit margin ratio?
83 What is the meaning of this ratio in 2008 and 2009, and 2010.
84 Is the bank having any sales?
85 Explain history of Dupont ratio?
86 How can bank increase its P/E ratio?
(answered by Mobeen Naseer vu)
Bank can increase its P/E ratio by increasing its interest rates. if bank increase its interest rates investors are more interested to done investment in banks. more investments more business more profit and increasing P/E ratio.87 If the SBP reserved the banks lending activity than how can bank increase its P/E ratio?
88- Why we use Dupont ratio?Answered by (Mobeen Naseer vu)
We use dupont return on assets ratios becuase it is the comparison of sales with net income and with total assets.
Return on assets basically defines how efficient a firm is using its assets for generating revenue.
Shared by ( Iqra Batool)89 Reason of dishonor of cheques?
90 Outward & inward clearing?
91 NIFT stands for?
92 Where there NIFT is not exist, who perform it duties?
93 Difference between demand draft & payment order?
94 In ratio analysis I interpret the ratio formulas
95 He asked which formulas are decreasing in the ratio analysis & why?
96 How bank can increase its net profit margin?
97 What net profit margin ratio shows?
98 Wht is different between net profit margin & gross spread ratio? For what we used them?
99 Difference between in return on Assets & DuPont return on Assets?
100 Define the dupont return on assets?101 One question was about times interest earned ratio?
--On Wed, Jul 25, 2012 at 1:45 PM, Haroon Baig <haroonbg06@gmail.com> wrote:KIA VIVA SESSION START HOGAYE HAIN,,,,PLEASE SHARE YOUR VIVA EXPEREINCE .--
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