ICICI Bank Interview Preparation
55+ banking, finance, SQL and coding questions with complete solutions for freshers.
| Question | Answer | Category |
|---|---|---|
| Q1. What is KYC and why is it important? | Know Your Customer: verify customer identity and assess risks. Mandatory for regulatory compliance, prevents fraud and money laundering. | Technical |
| Q2. Explain CASA account. | Current Account Savings Account: hybrid product combining current and savings benefits. Low-cost funds for banks. | Technical |
| Q3. Write SQL query to find second highest salary. | Use subquery or ORDER BY with LIMIT OFFSET. | Coding |
| Q4. What is NEFT and RTGS? | NEFT (National Electronic Funds Transfer): batch processing, slower. RTGS (Real-Time Gross Settlement): immediate, for large amounts. | Technical |
| Q5. What is a fixed deposit? | Lump sum investment for fixed period at fixed interest rate. Cannot be withdrawn before maturity without penalty. | Technical |
| Q6. Two pointer approach for array problems. | Use left and right pointers converging from ends. Efficient for sorted arrays. | Coding |
| Q7. What is mutual fund? | Investment fund pooling money from multiple investors. Professionally managed, diversified portfolio. | Technical |
| Q8. Implement simple stack. | Array-based or linked list-based with push, pop, peek operations. | Coding |
| Q9. What is EMI? | Equated Monthly Installment: fixed payment for loan over period. Includes principal + interest. | Technical |
| Q10. Find maximum product subarray. | Track max and min products (negative becomes positive). Update max at each step. | Coding |
| Q11. Explain NPA (Non-Performing Asset). | Loan where principal/interest unpaid for 90+ days. High NPA indicates bank health issues. | Technical |
| Q12. String manipulation: replace spaces with %20. | Iterate through string, replace each space with %20. | Coding |
| Q13. What is SENSEX and NIFTY? | SENSEX: 30 largest BSE companies index. NIFTY: 50 largest NSE companies index. Represent market. | Technical |
| Q13. Find common elements in three sorted arrays. | Use three pointers, compare and increment accordingly. | Coding |
| Q14. What is credit score? | Numerical rating 300-900 indicating creditworthiness. Based on payment history, debt, credit mix. | Technical |
| Q15. Merge sort implementation. | Divide array in half recursively, merge sorted subarrays. O(n log n) complexity. | Coding |
| Q16. Difference between savings and current account. | Savings: interest earned, limited transactions, for individuals. Current: no interest, unlimited transactions, for businesses. | Technical |
| Q17. Detect cycle in linked list (Floyd algorithm). | Use slow (1 step) and fast (2 steps) pointers. If they meet, cycle exists. | Coding |
| Q18. What is P2P lending? | Peer-to-Peer: direct loans between individuals/businesses through platforms. Bypasses traditional banks. | Technical |
| Q19. Implement queue using array. | Maintain front and rear pointers. Enqueue adds to rear, dequeue removes from front. | Coding |
| Q20. Explain blockchain in banking. | Distributed ledger technology for secure, transparent transactions. Used in cryptocurrency, cross-border payments. | Technical |
| Q21. Tell me about yourself. | Concise intro: education, relevant projects, internships, banking interest, key skills. | HR |
| Q22. Why ICICI Bank? | Strong brand, innovation in fintech, customer service excellence, career growth opportunities. | HR |
| Q23. Your strengths. | Analytical, detail-oriented, quick learner, strong communication, problem-solving ability. | HR |
| Q24. Count sort for numbers 0-100. | Create count array, count occurrences, reconstruct sorted array. O(n+k) time. | Coding |
| Q25. Find kth largest element. | Use min heap of size k. Time: O(n log k). | Coding |
| Q26. Check balanced parentheses. | Use stack. Push opening, pop on closing. Stack empty = balanced. | Coding |
| Q27. What is digital wallet? | Virtual wallet for storing payment info, money transfer, bill payments. Examples: PayTM, Google Pay. | Technical |
| Q28. Longest common subsequence (LCS). | Dynamic programming: dp[i][j] = chars matched between str1[:i] and str2[:j]. | Coding |
| Q29. Rotate array by k positions. | Use slicing or reverse technique. O(n) time, O(1) space (in-place). | Coding |
| Q30. Shortest path in grid (BFS). | BFS from start, track distances, reach destination. | Coding |
| Q31. Handling pressure and deadlines. | Prioritize, break into chunks, communicate status, stay calm and focused. | HR |
| Q32. Team collaboration experience. | STAR method: describe situation, task, action taken, results. Emphasize communication. | HR |
| Q33. Your weaknesses and improvement. | Be honest but show growth mindset. Example: was slow at coding, now solving problems faster. | HR |
| Q34. Implement binary search tree. | Left subtree values < root < right subtree. Insert, search, delete operations. | Coding |
| Q35. What is liquidity? | Ability to convert asset to cash quickly. Banks maintain liquidity for operational needs. | Technical |
| Q36. Wildcard matching with * and ?. | Dynamic programming: * matches any sequence, ? matches any single character. | Coding |
| Q37. Flatten nested list. | Recursive or iterative approach to flatten all levels. | Coding |
| Q38. Best time to buy/sell stock. | Track minimum price, calculate max profit at each step. | Coding |
| Q39. What is APR? | Annual Percentage Rate: yearly cost of loan including interest and fees. | Technical |
| Q40. Salary expectations. | Research market: give realistic range. Show flexibility based on growth opportunities. | HR |
| Q41. Career goals in 5 years. | Show ambition: senior developer, team lead, or specialized expertise in banking. | HR |
| Q42. Word break - can form word from dictionary. | Dynamic programming: dp[i] = True if word[:i] can be segmented. | Coding |
| Q43. Reverse words in sentence. | Split string, reverse order, join back. | Coding |
| Q44. Path sum in tree. | DFS from root to leaf, track sum, check if equals target. | Coding |
| Q45. What is CRR? | Cash Reserve Ratio: percentage of deposits banks must keep as cash. Set by RBI. | Technical |
| Q46. How do you keep learning? | Online courses, tech blogs, GitHub, LeetCode, coding competitions, reading documentation. | HR |
| Q47. Majority element (appears > n/2). | Moore voting algorithm. O(n) time, O(1) space. | Coding |
| Q48. Implement LRU cache. | HashMap + Doubly Linked List. O(1) for get/put operations. | Coding |
| Q49. What is repo rate? | Rate at which RBI lends to banks. Affects lending rates, inflation control. | Technical |
| Q50. Any questions for us? | Ask about team size, tech stack, banking domain work, mentoring, growth path. | HR |
| Q51. Regular expression matching. | Dynamic programming with pattern matching rules. | Coding |
| Q52. What is microfinance? | Small loans to low-income individuals/entrepreneurs. Promotes financial inclusion. | Technical |
| Q53. Palindrome partitions. | Backtracking: partition string, check palindromes, collect valid partitions. | Coding |
| Q54. Minimum window substring. | Sliding window with character count tracking. | Coding |
| Q55. Tell about challenging project. | Describe challenge, approach taken, learning, results. Show problem-solving skills. | HR |