ANBC refers to Adjusted Net Bank Credit, is Net Bank Credit added to investments made by banks in non-SLR bonds (in held-to-maturity) or it is the credit equivalent of off-balance - sheet exposures, whichever is higher.
Net Bank Credit = Outstanding bank credits in India (-) Bills rediscounted with RBI/approved financial institutions.
State that you are quite happy with your career progress barring few mistakes that could be avoided. Highlight some of mistakes you committed and how you have rectified them. While answering, you should take all responsibilities for where you are, how you’ve gotten there, where you are going…and you harbor no regrets.