ICICI Bank
Proud winner of ABECA 2025 - AmbitionBox Employee Choice Awards
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IND AS, US GAAP, and IFRS are accounting standards with key differences in recognition, measurement, and reporting.
IND AS is based on IFRS but tailored for Indian companies, while US GAAP is specific to the United States.
IFRS allows more flexibility in accounting policies, whereas US GAAP is more prescriptive.
For example, under IFRS, development costs can be capitalized, but under US GAAP, they are typically expen...
The liquid ratio measures a company's ability to cover its short-term liabilities with its liquid assets.
Formula: Liquid Ratio = (Current Assets - Inventory) / Current Liabilities
A liquid ratio greater than 1 indicates good short-term financial health.
Example: If current assets are $200,000, inventory is $50,000, and current liabilities are $100,000, the liquid ratio is 1.5.
It focuses on liquid assets like cash an...
Daily activities include networking, marketing, and customer engagement to boost gold loan conversions.
Conduct regular outreach to local businesses and communities to build relationships and trust.
Utilize social media platforms to promote gold loan products and share success stories.
Organize financial literacy workshops to educate potential customers about gold loans.
Implement referral programs that incentivize ex...
The gold loan process involves evaluation, documentation, disbursement, and repayment management.
1. Customer Approach: Clients approach the lender with gold items for loans.
2. Gold Evaluation: The gold is assessed for purity and weight to determine its market value.
3. Documentation: Necessary documents like ID proof and address proof are collected.
4. Loan Offer: Based on evaluation, a loan amount is proposed, usua...
What people are saying about ICICI Bank
DSCR, or Debt Service Coverage Ratio, measures a company's ability to cover its debt obligations with its operating income.
DSCR = Net Operating Income / Total Debt Service.
A DSCR of less than 1 indicates that a company does not generate enough income to cover its debt obligations.
For example, if a company has a net operating income of $100,000 and total debt service of $80,000, its DSCR is 1.25.
A higher DSCR (e.g....
The repo rate is the interest rate at which central banks lend money to commercial banks, influencing economic activity.
Repo rate is a monetary policy tool used by central banks to control inflation.
When the repo rate increases, borrowing becomes more expensive, reducing money supply.
For example, if the repo rate is raised from 4% to 5%, banks will charge higher interest on loans.
Conversely, a lower repo rate enco...
To convince a customer for a loan or insurance, focus on their needs, benefits, and long-term financial security.
Understand the customer's financial goals and challenges. For example, if they want to expand their business, explain how a loan can facilitate that.
Highlight the benefits of the loan or insurance, such as lower interest rates or comprehensive coverage, which can save them money in the long run.
Use real...
Yes, I am knowledgeable in reading balance sheets and calculating CR and ATNW for entities.
Current Ratio (CR) = Current Assets / Current Liabilities; indicates liquidity.
Example: If Current Assets are $200,000 and Current Liabilities are $100,000, CR = 2.0.
Adjusted Net Tangible Worth (ATNW) = Total Net Worth - Intangible Assets; assesses financial strength.
Example: If Total Net Worth is $500,000 and Intangible Ass...
Data refers to facts, statistics, or information collected for analysis and decision-making.
Data can be quantitative (numerical) or qualitative (descriptive). Example: Sales figures vs. customer feedback.
It can be structured (organized in databases) or unstructured (like emails or social media posts).
Data is essential for making informed decisions in various fields, including finance, healthcare, and marketing.
Exa...
Treating customers with respect, empathy, and professionalism fosters trust and satisfaction in personal loan services.
Listen actively to the customer's needs and concerns, ensuring they feel heard.
Provide clear and transparent information about loan terms and conditions, avoiding jargon.
Follow up with customers after the loan process to ensure satisfaction and address any issues.
Empathize with customers facing fi...
ICICI Bank is a leading private sector bank in India offering a wide range of financial products and services.
ICICI Bank provides banking services to individuals, businesses, and corporates.
They offer various types of accounts such as savings accounts, current accounts, and fixed deposit accounts.
ICICI Bank provides loans and credit facilities to customers for various purposes like home loans, personal loans, and busin...
The transfer problem involves efficiently moving items from one location to another while minimizing costs.
Identify the source and destination points clearly.
Calculate the cost associated with each transfer route.
Consider the capacity limits of transport vehicles.
Optimize the transfer schedule to reduce downtime.
Example: Using a truck with a 10-ton capacity to move goods from a warehouse to a store.
I have gained valuable experience at ICICI, focusing on data entry, customer service, and operational efficiency.
Managed data entry tasks with high accuracy, ensuring timely updates to customer records.
Collaborated with team members to streamline processes, reducing data entry time by 20%.
Handled customer inquiries effectively, improving customer satisfaction scores.
Trained new employees on data entry protocols and sof...
My experience at ICICI Bank involved data entry, customer service, and maintaining accurate financial records.
Handled data entry tasks efficiently, ensuring accuracy in customer information.
Assisted in processing loan applications, verifying documents, and entering data into the system.
Maintained confidentiality of sensitive financial information while managing records.
Collaborated with team members to streamline data ...
I have experience working at ICICI Bank, where I honed my data entry skills and gained insights into banking operations.
Managed customer data entry with a focus on accuracy and efficiency.
Utilized banking software to update and maintain client records.
Collaborated with team members to streamline data processing tasks.
Trained new employees on data entry protocols and best practices.
I have gained valuable experience working with ICICI, focusing on data entry and management tasks that enhance operational efficiency.
Handled data entry tasks for customer accounts, ensuring accuracy and timely updates.
Utilized ICICI's internal software for processing transactions, improving speed by 20%.
Collaborated with the customer service team to resolve data discrepancies, enhancing customer satisfaction.
Maintaine...
I have extensive experience in data entry, ensuring accuracy and efficiency in managing large volumes of information.
Over 5 years of experience in data entry roles across various industries.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Consistently maintained a 99% accuracy rate in data input tasks.
Handled sensitive information with confidentiality and integrity.
Implemented a new data m...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail across various industries.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Maintained a 99% accuracy rate in entering patient data in a healthcare setting.
Handled large volumes of data entry for e-commerce product listings, ensuring timely updates.
Implemented a double-check system to minimi...
I gained valuable experience in the banking sector, enhancing my data entry skills and attention to detail.
Handled customer transactions efficiently, ensuring accuracy in data entry.
Maintained and updated customer records, improving data retrieval processes.
Collaborated with team members to streamline data entry workflows, reducing processing time.
Utilized banking software to input and manage large volumes of data, ens...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail in various industries.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Maintained a 99% accuracy rate in entering patient data for a healthcare provider.
Managed large datasets, ensuring timely updates and corrections.
Implemented data validation techniques to minimize errors.
Trained new team...
I gained valuable experience at ICICI Securities, enhancing my skills in data management and customer service.
Handled data entry tasks efficiently, ensuring accuracy in client information.
Assisted in maintaining databases, which improved data retrieval times by 20%.
Collaborated with the finance team to streamline reporting processes.
Provided customer support, resolving queries related to investment accounts.
I have extensive experience in data entry, ensuring accuracy and efficiency in managing large datasets across various platforms.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Managed a project where I entered over 10,000 records into a database, achieving 99% accuracy.
Experience in data validation and cleaning to ensure high-quality data.
Worked with cross-functional teams to streamline d...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail across various industries.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Maintained a 99% accuracy rate while entering patient records in a healthcare database.
Handled large volumes of data entry tasks, processing over 1,000 entries daily.
Implemented data validation techniques to ensure d...
I have extensive experience in data analytics, focusing on data collection, analysis, and visualization to drive informed decisions.
Proficient in using tools like Excel and SQL for data manipulation and analysis.
Experience in creating dashboards using Tableau to visualize key performance indicators.
Conducted data cleaning and preprocessing to ensure accuracy in analysis.
Worked on a project that analyzed customer feedba...
I have experience in data analytics, focusing on data entry accuracy and efficiency to support decision-making processes.
Utilized Excel for data analysis, creating pivot tables to summarize large datasets.
Implemented data validation techniques to ensure accuracy in data entry, reducing errors by 20%.
Analyzed trends in data to provide insights for improving operational efficiency.
Collaborated with cross-functional teams...
ICICI Bank utilizes analytics for customer insights, risk management, and operational efficiency to enhance banking services.
Customer Segmentation: ICICI uses analytics to categorize customers based on behavior, enabling targeted marketing strategies.
Risk Assessment: Advanced analytics helps in evaluating credit risk, allowing for better loan approval processes.
Fraud Detection: Real-time analytics monitors transactions...
My experience at ICICI involved data management, customer service, and process optimization, enhancing efficiency and accuracy.
Managed customer data entry with a focus on accuracy, reducing errors by 20%.
Assisted in the implementation of a new data management system, improving retrieval times by 30%.
Provided support to customers via phone and email, resolving queries efficiently.
Conducted regular audits of data entries...
I have experience in data entry within a banking environment, focusing on accuracy and efficiency in handling financial data.
Managed customer account information, ensuring data accuracy and compliance with banking regulations.
Processed transactions and maintained records, reducing errors by implementing a double-check system.
Utilized banking software to input and retrieve data, improving processing speed by 20%.
Collabo...
I have experience in securities, focusing on data entry, analysis, and compliance within financial markets.
Managed data entry for stock transactions, ensuring accuracy and timeliness.
Utilized Excel for tracking and analyzing market trends, improving reporting efficiency.
Collaborated with compliance teams to ensure data integrity and adherence to regulations.
Handled sensitive information with confidentiality, maintainin...
I have experience in securities processing, data entry, and compliance within financial services.
Managed data entry for securities transactions, ensuring accuracy and compliance with regulations.
Utilized software like Bloomberg and Reuters for real-time data entry and analysis.
Conducted regular audits of securities data to maintain integrity and accuracy.
Collaborated with compliance teams to ensure all securities data ...
I have diverse experience across various roles, enhancing my skills in data entry, accuracy, and attention to detail.
Worked as a data entry clerk for 2 years, managing large datasets with 99% accuracy.
Utilized Excel and other software to streamline data processing, reducing entry time by 30%.
Handled sensitive information in a previous role, ensuring compliance with data protection regulations.
Participated in training s...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail in various roles.
Managed data entry for over 5 years in a corporate environment, ensuring high accuracy rates.
Utilized software like Microsoft Excel and Access to streamline data processing tasks.
Conducted regular audits of data to identify and correct discrepancies, improving overall data integrity.
Trained new employee...
Typewriting is the process of inputting text using a keyboard, focusing on speed and accuracy.
Typewriting involves using a keyboard to input text into a computer or typewriter.
It requires familiarity with keyboard layout, such as QWERTY.
Practicing touch typing can improve speed and accuracy; for example, using online typing tests.
Common software for typewriting includes word processors like Microsoft Word or Google Doc...
Receiving four-star feedback indicates a strong performance with room for improvement.
Positive aspects: The work was accurate and timely, demonstrating efficiency.
Areas for improvement: Attention to detail could be enhanced to avoid minor errors.
Customer satisfaction: While four stars is good, aiming for five stars should be the goal.
Feedback examples: Clients appreciated the quick turnaround but noted some formatting ...
I have extensive experience in data entry, ensuring accuracy and efficiency in managing large volumes of information.
Proficient in using data entry software like Microsoft Excel and Google Sheets.
Experience in maintaining databases, ensuring data integrity and accuracy.
Skilled in typing with a speed of 70 words per minute, enhancing productivity.
Familiar with data validation techniques to minimize errors during entry.
W...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail in various roles.
Managed data entry for over 5 years in a corporate environment, ensuring 99% accuracy in records.
Utilized software like Microsoft Excel and Google Sheets for data management, streamlining processes.
Handled sensitive information with confidentiality, adhering to data protection regulations.
Trained new em...
I have extensive experience in data entry, focusing on accuracy, efficiency, and attention to detail in various projects.
Managed data entry for a large retail company, processing over 1,000 transactions daily.
Utilized Excel and database software to maintain accurate records and streamline data retrieval.
Conducted regular audits to ensure data integrity, identifying and correcting discrepancies.
Trained new team members ...
I applied via Naukri.com and was interviewed before Jan 2023. There was 0 interview round.
I appeared for an interview in Jun 2025, where I was asked the following questions.
I am selected to join ICICI for my skills, values alignment, and commitment to excellence in banking services.
Strong educational background in finance and management, which aligns with ICICI's focus on innovation.
Proven track record in customer service, enhancing client satisfaction in previous roles.
Alignment with ICICI's core values of integrity and teamwork, demonstrated through collaborative projects.
Passion for co...
I will focus on team collaboration, process improvement, and stakeholder engagement to drive success in the role.
Establish clear communication channels with my team to ensure everyone is aligned on goals and expectations.
Implement regular feedback sessions to foster a culture of continuous improvement and address any challenges promptly.
Develop and execute a strategic plan that aligns with the organization's objectives...
My motivation stems from a desire to contribute positively, grow professionally, and make a meaningful impact in my team and organization.
Passion for continuous learning: I actively seek out training opportunities to enhance my skills, such as attending workshops and online courses.
Desire to lead and inspire: I find motivation in mentoring junior colleagues, helping them develop their skills and confidence.
Commitment t...
My motivation to join the company is driven by a desire to contribute meaningfully while also valuing fair compensation for my efforts.
I believe that a fulfilling job goes beyond salary; it's about making a positive impact.
For example, in my previous role, I initiated a project that improved team efficiency, which was rewarding beyond monetary compensation.
I am motivated by the opportunity to grow professionally and co...
I traveled by various means, including public transport, personal vehicles, and sometimes even on foot, depending on the district's accessibility.
Utilized public transport like buses and trains for cost-effective travel.
Rode my motorcycle for quicker access to remote areas.
In some districts, I had to walk to reach certain locations due to poor road conditions.
Collaborated with local officials to arrange transportation ...
I prioritize work during office hours but use my phone for essential tasks and communication when necessary.
I limit personal phone use to breaks or urgent matters.
For work-related communication, I may check messages briefly.
I use my phone to access work apps for quick updates.
I ensure that my phone use does not disrupt my productivity.
I typically take about 30 minutes for lunch, allowing time to recharge and socialize with colleagues.
I prefer to take a full 30 minutes to enjoy my meal without rushing.
This time allows me to relax and clear my mind before returning to work.
I often use this time to connect with colleagues, fostering teamwork.
For example, I might discuss ongoing projects or share ideas during lunch.
I prioritize tasks, set clear goals, and use tools to track progress, ensuring efficient time management.
Prioritization: I use the Eisenhower Matrix to distinguish between urgent and important tasks.
Goal Setting: I set SMART goals (Specific, Measurable, Achievable, Relevant, Time-bound) to stay focused.
Time Blocking: I allocate specific time slots for different tasks, which helps in maintaining a structured schedule.
Us...
Yes, I value my subordinates' advice as it fosters collaboration and enhances decision-making.
Encouraging open communication creates a supportive environment.
In my previous role, I implemented a suggestion box for team input.
During project planning, I held brainstorming sessions to gather diverse perspectives.
I believe that team members often have valuable insights based on their experiences.
I appeared for an interview in Feb 2025.
A standardized assessment that measures a person's skills, potential, and cognitive abilities. It's used to evaluate a candidate's suitability for a specific role or field.
I have diverse experience in consulting, focusing on strategic planning and operational efficiency across various industries.
Led a project to streamline operations for a retail client, resulting in a 20% reduction in costs.
Conducted market analysis for a healthcare startup, helping them secure $1M in funding.
Facilitated workshops for clients to improve team collaboration and project management skills.
I prioritize work compatibility by aligning my skills and values with the organization's goals.
I ensure my work style and communication methods align with the team's dynamics.
I adapt to the company's culture and values to enhance collaboration and productivity.
I seek feedback and make adjustments to improve my performance and fit within the organization.
I prioritize work-life balance to maintain productivity and well-b...
The distance from home is a key factor to consider when evaluating a job opportunity.
Consider the commute time and transportation options available
Think about the impact on work-life balance and personal well-being
Evaluate the potential cost of commuting and the convenience of the location
I appeared for an interview in Jun 2025, where I was asked the following questions.
Prepaid cards operation involves managing the issuance, activation, loading, and usage of prepaid cards.
Issuance of prepaid cards to customers
Activation of prepaid cards through online or phone
Loading funds onto prepaid cards through various methods
Monitoring and tracking usage of prepaid cards for security purposes
I applied via Campus Placement and was interviewed in Nov 2024. There were 2 interview rounds.
Aptitude test contains Logical Reasoning Questions, Analytical Skills questions, and some general Questions, there are no coding questions for it
A project scenario involves analyzing requirements, stakeholder engagement, and delivering solutions effectively.
Identify stakeholders: Engage with users, management, and IT to gather requirements.
Conduct workshops: Facilitate sessions to brainstorm and clarify project goals.
Use data analysis: Analyze existing data to identify trends and inform decision-making.
Create user stories: Develop user stories to capture functi...
Polymorphism allows objects to be treated as instances of their parent class, enhancing flexibility in programming.
Polymorphism is a core concept in object-oriented programming.
It enables methods to do different things based on the object it is acting upon.
Example: A function 'draw()' can be used for different shapes like Circle and Square, each implementing its own version.
There are two types: compile-time (method ove...
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Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities.
Mutual funds are managed by professional fund managers who make investment decisions on behalf of the investors.
Investors can buy shares of mutual funds, which represent their ownership in the fund's portfolio.
Mutual funds offer diversification, liquidity, and professional management to invest...
I see myself in a leadership role, managing a team and driving strategic initiatives for the organization.
Leading a team of professionals towards achieving common goals
Implementing strategic initiatives to drive growth and success
Continuing professional development to enhance leadership skills
Building strong relationships with stakeholders and colleagues
The name of the company is XYZ Corporation, a leading provider of office solutions.
XYZ Corporation is a well-established company in the office solutions industry
They offer a wide range of services including office supplies, equipment, and furniture
XYZ Corporation has a strong reputation for quality and customer service
Salary will be based on experience and qualifications. Role involves managing office operations, coordinating schedules, and supporting staff.
Salary is negotiable based on experience and qualifications
Responsibilities include managing office operations
Coordinating schedules and appointments
Supporting staff with administrative tasks
Ensuring office supplies are stocked and ordering as needed
Some of the top questions asked at the ICICI Bank interview -
The duration of ICICI Bank interview process can vary, but typically it takes about less than 2 weeks to complete.
based on 2.6k interview experiences
Difficulty level
Duration
based on 42.6k reviews
Rating in categories
3-10 Yrs
₹ 2.6-19.2 LPA
0-5 Yrs
Not Disclosed
10-12 Yrs
Not Disclosed
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