Indian Bank Exam Paper

Indian Bank probationary officers Exam 2011

GENERAL AWARENESS

Q.1 Which of the following carries out 'Open Market Operations?
(1) Finance Ministry     (2) External Affairs Ministry
(4) Planning Commission (5) Ministry of Commerce

Q. 2 Who among the following Ministers will hold telecom portfolio in addition to his own portfolio till next reallotment?
(1) Kamal Nath        (2) Kapil Sibal
(4) Mamta Banerjee (5) None of these

Q. 3 Under provisions of which one of the following Acts, the RBI issues directives to the Banks in India?
(1) RBI Act  (2) Banking Regulation Act (3) Essential Commodities Act
(4) RBI and Banking Regulation Act (5) None of these

Q.4 On which one of the following 'Head of Expenses', the expenses of the Government of India are highest?
(1) Food subsidy (2) Fertilizer subsidy     (3) Pradhan Mantri Gram SadakYojana
(4) Maintenance of national highways     (5) Oil subsidy

Q.5 Which one of the following foreign agencies will assist the municipal agencies to improve quality of municipal schools through its School Excellence Programmes (SEP) ?
(1) IMF     (2) UNDP     (3) UNICEF     (4) ADB  (5) None of these

Q. 6 Which one of the following tools is used by RBI for selective credit control?
(1) It advises banks to lend against certain commodities
(2) It advises banks to recall the loans for advances against certain commodities
(3) It advises banks to charge higher rate of interest for advance against certain commodities
(4) It discourages certain kinds of lending by assigning higher risk weights to loans it deems undesirable
(5) None of these

Q.7 For which one of the following Loan Products 'teaser loans' are offered by Banks?

(1) Education Loans         (2) Commercial Loans (3) Loans against security of gold
(4) Retail Trade Loans     (5) Home Loans     ,

Q. 8 The Commonwealth Games 2010 were held in Delhi from October 3 to 14, 2010. Who amongst the following picked up the Game's first gold medal?     '

(1) Augustina Nwaokolo     (2) Ravinder Singh     (3) Azhar Hussain (4) Carol Huynh     (5) None of these

Q.9 In which one of ihe following cities was the recent meet of G-20 Countries organised ?

(1) Tokyo     (2) Seoul     (3) London     (4) Beijing     (5) Singapore

Q.10 As per recent newspaper reports, which one of the following countries (among the given) has highest literacy rate?

(1) India     (2) Sri Lanka     (3) China     (4) Vietnam     (5) Bangladesh

Q.11 Which one of the following has decided to give guarantee for infra loans? .

(1) IDBI     (2) SBI     (3) IIFCL     (4) SIDBI     (5) None of these

Q.12 In which one of the following States is the uranium project proposed to be set up ?

(1) Manipur     (2) Meghalaya     (3) Orissa     (4) Assam     (5) Nagaland

Q.13 Amongst 169 countries on Human Development Index, which one of the following is India's rank?

(1) 89  (2) 91 (3) 119  (4) 129 (5) 138

Q.14 What is 'Kaveri' ?

(1) India's indigeneous aircraft engine

(2) India's Low Cost laptop

(3) India's Air to Air Missile

(5) Unmanned Aircraft acquired from Israel

Q.15 An increasing finished good stock as % to sales of a manufacturing Company indicates that-

(A) the market is getting competitive.

(B) the quality of the goods is not upto the mark.

(C) the production cost has increased.

(D) the production has decreased.
(1) Only (A) and (B)     (2) Only (B) and (C)     (3) Only (C) and (D)
(4) Only (C)     (5) Only (D) and (A)

Q. 16 Which one of the following has got RBI nod to issue pre-paid cards to its clients?

(1) LIC     (2) GIC     (3) SIDBI     (4) NABARD     (5) None of these

Q.17 For which one of the following reasons is an amendment in Companies Bill 2009 proposed?

(1) To provide more powers to Department of Company Affairs
(2) To provide regulatory powers to Department of Company Affairs
(3) To make Indian Accounting Standards applicable with effect from 1.4.2011
(4) To ensure smooth convergence of the Indian Accounting Standards with IFRS
(5) None of these

Q.18 As per recent newspaper reports, India's public debt rises 2.8 percent to Rs. 28 lakh crores. Which one of the following is the reason that has forced commercial banks 10 buy Government securities?
(1) Lack of credit growth     (2) Increase in credit growth (3) Raising of repo rate
(4) Raising of reverse repo rate (5) None of these

Q.19 In which one of the following States Sariska Tiger Reserve is located?

(1) M. P.     (2) U. P.     (3) Orissa     (4) Gujarat     (5) Rajasthan

Q.20 On which one of the following characters, Biometric security is based?
(1) Finger prints and palm recognition only
(2) Face recognition and voice recognition only
(3) Hand writing and manual recognition only
(4) Only(l) and (2)     (5) All (1),(2) &(3)

Q.21 Which one of the following may be the consequence of buying forex in the market by the RBI ?
(1) It leads to inflation     (2) It leads to control over inflation
(3) It does not affect inflation (4) It results into deflation   (5) None of these

Q.22 Under provisions of which one of the following Acts, the Reserve Bank of india has the power to
regulate, supervise and control the banking sector?
(1) RBI Act     (2) Banking Regulation Act     (3) Negotiable Instrument Act
(4) RBI and Banking Regulation Act     (5) None of these

Q.23 Who amongst the following is the author of the book "The God of Small Things" ?
(1) Chetan Bhagat     (2) V.S. Naipul     (3) Namita Gokhale
(4) Kiran Desai          (5) Arundhati Roy

Q. 24 Which one of the following has proposed $ 11 billion infrastructure debt fund?
(1) NABARD     (2) SBI         (3) RBI
(4) Ministry of Finance, Govt. of India         (5) Planning Commission

Q. 25 Myanmar's pro-democracy leader Suu Kyi is a     _
(1) 42 years old politician     (2) Bharat Ratna         (3) Military General
(4) Nobel Prize winner     (5) None of these

Q.26 Which one of the following factors influence working capital of a unit?
(1) Seasonally of operations only     (2) Production Policy only
(3) Suppliers Term only     (4) Only (1) and (2)     (5) All (1), (2) & (3)

Q.27 The G-20 Summit was held in which of the following places in October 2009 ?
(1) Paris     (2) Vienna     (3) Tokyo     (4) Pittsburgh     (5) London

Q.28 As per a newspaper report, only few countries are left to make Non-Proliferation Treaty (NPT), a universal treaty. Which of the following is one of them?
(1) Japan         (2) Indian       (3) Italy     (4) France    (5) Russia

Q. 29 Which TV channel has been in the news for its coverage of the Bin Laden crisis, especially for having carried all broadcasts of Osama Bin Laden to. audiences in West Asia?
(1) Star Asia     (2) BBC Asia     (3) Al Jazeera     (4) Khaleed Times (5) None of these

Q.30 India will host the world Tiger Summit for the first time in 2010. The Summit will be organized in __
(1) Kolkata     (2) Bharatpur     (3) .Junagarh     (4) Ranthambore (5) None of these

Q.31 Under what name is MTNL marketing its GSM based mobile telephony?
(1) Swarna     (2) Dolphin     (3) Speed     (4) Vayu     (5) None 0 f these

Q.32 Which of the following countries has been fully suspended from the Common wealth of Nations after its refusal to announce General Elections which have been due since long?
(1) Pakistan     (2) Nepal     (3) Fiji     (4) Sri Lanka     (5) None of these

Q.33 What is the name of the branded petrol with cleansing additives that is being marketed by HPCL?
(1) Power     (2) Premium     (3) Speed     (4) Clean X     (5) None of these

Q. 34 Under what name is MTNL marketing its CDMA based WiLL service in Mumbai and Delhi?
(1) Dolphin     (2) Swarna     (3) Garuda     (4) Seema     (5) None of these

Q.35 Which of the following countries agreed recently to discontinuar efuelling ships in the Indian Ocean for the NATO led coalition in Afghanistan?
(1) Japan     (2) Indonesia     (3) Bangladesh     (4) Pakistan     (5) None of these

Q.36 To which business group did the Ambanis of Reliance Group sell their holding in Larsen and Toubro?
(1) RP Goenkas (2) A V Birla     (3) Kanorias     (4) Mittals     (5) None of these

Q.37 Name the brand that was launched and promoted by a famous father-son duo.
(1) ICICI Credit cards     (2) Parket Beta     (3) Maruti Versa (4) All of these.     (5) None of these

Q.38 What is the sub brand of the new car that Toyota is launching in India?
(1) Accord     (2) Jupiter     (3) C Planet     (4) Camry     (5) None of these

Q.39 Who amongst the following is the winner of the Mahatma Gandhi International Award for Peace and Reconc iliation 2009 ?
(1) Yukiya Amano     (2) Aung San Suu Kyi     (3) Bill Gates
(4) Hillary Clinton     (5) None of these

Q.40 With which brand would you identify the famous advertising slogan 'Think Different'?
(1) Apple     (2) IBM     (3) Wipro     (4) HCL     (5) None of these

Q.41 Credit Rating             .

(1) is used to rate the borrowers while giving advances.
(2) is used to work out performance of the employees.
(3) is used to calculate the number of excellent audit rated branches.
(4) is NOT used in any Bank.
(5) is necessary before giving promotion to employees

Q.42 Who amongst the following is the recipient of the 'Dadasaheb Phalke Award - 2010'?
(1) Javed Akhtar     (2) Amitabh Bachchan     (3) Guizar
(4) Hema Malini      (5) None of above

Q.43 In Corporate Hedging, which one of the following types of risks can be covered?
(1) Liquidity risk     (2) Currency risk     (3) Credit risk
(4) Transaction risk (5) None of these

Q.44 Bank of Rajasthan is now merged with which of the following banks?
(1) AXIS Bank     (2) IDBI Bank     (3) ICICI Bank     (4) HDFC Bank (5) None of these

Q.45 As per GDP figures on calendar year basis, according to World Bank, which one of the following economies will have highest GDP growth in the year 2011 ?
(1) US     (2) China     (3) Japan     (4) India     (5) Brazil

Q.46 In respect of infrastructure bonds is sued under provisions of Section 80 CCF of the Income Tax Act, what is the maximum amount (Rs. in thousands), upto which these bonds can be covered?
(1) 30     (2) 20     (3) 40     (4) 5.0     (5) None of these

Q.47 Which of the following is the full form of the abbreviation 'IFRS' as used in corporate / finance Sector ?

(1) Indian Financial Reconciliation Standards
(2) Interpretation and Formal Reporting System
(3) International Financial Reporting Standards
(4) International Financial Reporting System  
(5) None of these

Q.48 As per the new guidelines issued by SEBI, companies are required to list shares within how many days of the closure of the Initial Public Offers (IPOs) ?
(1) 60 days     (2) 12 days     (3) 30 days     (4) 45 days     (5) None of these

Q.49 RTGS stands for -----
(1) Real Time Gross Settlements      (2) Reduced Time Gross Settlements
(3) Relative Time Gross Settlements (4) Real Total Gross Securities  (5) None of these


Answer:

(1)3  (2)2  (3) 1 (4) 1  (5) 5 (6) 1 (7)5 (8) 5 (9)2 (10)2 (11)3 (12)2 (13)3 (14)1(15)2 (16)1 (17)4 (18)4  (19)5  (20)5  (21)3 (22)4 (23)5  (24)5  (25)5 (26)2 (27)5 (28)4 (29)3 (30)3 (31)4 (32)2 (33)3 (34)1 (35)3 (36)1 (37)2 (38)3 (39)4 (40)2 (41)1 (42)1 (43)5 (44)2 (45)3 (46)2 (47)2 (48)3 (49)3

 

Indian Bank Probationary Officers Exam. 2011 Solved Paper

General Awareness
(Exam Held on 2-1-2011)

1. On which one of the following ‘Head of Expenses’, the expenses of the Government of India are highest ?
(A) Food subsidy
(B) Fertilizer subsidy
(C) Pradhan Mantri Gram Sadak Yojana
(D) Maintenance of national highways
(E) Oil subsidy
Ans : (A)

2. Which one of the following foreign agencies will assist the municipal agencies to improve quality of municipal schools through its School Excellence Programmes (SEP) ?
(A) IMF
(B) UNDP
(C) UNICEF
(D) ADB
(E) None of these
Ans : (C)

3. Which of the following carries out ‘Open Market Operations’ ?
(A) Finance Ministry
(B) External Affairs Ministry
(C) Reserve Bank of India
(D) Planning Commission
(E) Ministry of Commerce
Ans : (C)


4. Who among the following Ministers will hold telecom portfolio in addition to his own portfolio till next reallotment ?
(A) Kamal Nath
(B) Kapil Sibal
(C) Pranab Mukherjee
(D) Mamta Banerjee
(E) None of these
Ans : (B)

5. Under provisions of which one of the following Acts, the RBI issues directives to the Banks in India ?
(A) RBI Act
(B) Banking Regulation Act
(C) Essential Commodities Act
(D) RBI and Banking Regulation Act
(E) None of these
Ans : (B)

6. Which one of the following tools is used by RBI for selective credit control ?
(A) It advises banks to lend against certain commodities
(B) It advises banks to recall the loans for advances against certain commodities
(C) It advises banks to charge higher rate of interest for advance against certain commodities
(D) It discourages certain kinds of lending by assigning higher risk weights to loans it deems undesirable
(E) None of these
Ans : (C)

7. For which one of the following Loan Products ‘teaser loans’ are offered by Banks ?
(A) Education Loans
(B) Commercial Loans
(C) Loans against security of gold
(D) Retail Trade Loans
(E) Home Loans
Ans : (E)

8. The Commonwealth Games 2010 were held in Delhi from October 3 to 14, 2010. Who amongst the following picked up the Game’s first gold medal ?
(A) Augustina Nwaokolo
(B) Ravinder Singh
(C) Azhar Hussain
(D) Carol Huynh
(E) None of these
Ans : (A)

9. In which one of the following cities was the recent meet of G–20 Countries organised ?
(A) Tokyo
(B) Seoul
(C) London
(D) Beijing
(E) Singapore
Ans : (B)

10. As per recent newspaper reports, which one of the following countries (among the given) has highest literacy rate ?
(A) India
(B) Sri Lanka
(C) China
(D) Vietnam
(E) Bangladesh
Ans : (D)

11. Which one of the following has decided to give guarantee for infra loans ?
(A) IDBI
(B) SBI
(C) IIFCL
(D) SIDBI
(E) None of these
Ans : (C)

12. In which one of the following States is the uranium project proposed to be set up ?
(A) Manipur
(B) Meghalaya
(C) Orissa
(D) Assam
(E) Nagaland
Ans : (C)

13. Amongst 169 countries on Human Development Index which one of the following is India’s rank ?
(A) 89
(B) 91
(C) 119
(D) 129
(E) 138
Ans : (C)

14. What is ‘Kaveri’ ?
(A) India’s indigeneous aircraft engine
(B) India’s low cost laptop
(C) India’s Air to Air Missile
(D) India’s guided Surface to Air Missile
(E) Unmanned Aircraft acquired from Israel
Ans : (A)

15. An increasing finished good stock as % to sales of a manufacturing Company indicates that ……….
1. the market is getting competitive
2. the quality of the goods is not upto the mark
3. the production cost has increased
4. the production has decreased
(A) Only 1 and 2
(B) Only 2 and 3
(C) Only 3 and 4
(D) Only 3
(E) Only 4 and 1
Ans : (A)

16. Which one of the following has got RBI nod to issue prepaid cards to its clients ?
(A) LIC
(B) GIC
(C) SIDBI
(D) NABARD
(E) None of these
Ans : (A)

17. For which one of the following reasons is an amendment in Companies Bill 2009 proposed ?
(A) To provide more powers to Department of Company Affairs
(B) To provide regulatory powers to Department of Company Affairs
(C) To make Indian Accounting Standards applicable with effect from 1.4.2011
(D) To ensure smooth convergence of the Indian Accounting Standards with IFRS
(E) None of these
Ans : (E)

18. As per recent newspaper reports, India’s public debt rises 2•8 per cent to Rs. 28 lakh crore. Which one of the following is the reason that has forced commercial banks to buy Government securities ?
(A) Lack of credit growth
(B) Increase in credit growth
(C) Raising of repo rate
(D) Raising of reverse repo rate
(E) None of these
Ans : (A)

19. In which one of the following States Sariska Tiger Reserve is located ?
(A) M. P.
(B) U. P.
(C) Orissa
(D) Gujarat
(E) Rajasthan
Ans : (E)

20. On which one of the following characters, Biometric security is based ?
(A) Finger prints and palm recognition only
(B) Face recognition and voice recognition only
(C) Hand writing and manual recognition only
(D) Only (A) and (B)
(E) All (A), (B) and (C)
Ans : (D)

21. Which one of the following may be the consequence of buying forex in the marked by the RBI ?
(A) It leads to inflation
(B) It leads to control over inflation
(C) It does not affect inflation
(D) It results into deflation
(E) None of these
Ans : (A)

22. Under provisions of which one of the following Acts, the Reserve Bank of India has the power to regulate, supervise and control the banking sector ?
(A) RBI Act
(B) Banking Regulation Act
(C) Negotiable Instrument Act
(D) RBI and Banking Regulation Act
(E) None of these
Ans : (B)

23. Who amongst the following is the author of the book ‘The God of Small Things’ ?
(A) Chetan Bhagat
(B) V. S. Naipul
(C) Namita Gokhale
(D) Kiran Desai
(E) Arundhati Roy
Ans : (E)

24. Which one of the following has proposed $ 11 billion infrastructure debt fund ?
(A) NABARD
(B) SBI
(C) RBI
(D) Ministry of Finance, Govt. of India
(E) Planning Commission
Ans : (D)

25. Myanmar’s pro-democracy leader Suu Kyi is a ……….
(A) 42 years old politician
(B) Bharat Ratna
(C) Military General
(D) Nobel Prize winner
(E) None of these
Ans : (D)

26. Which one of the following factors influence working capital of a unit ?
(A) Seasonality of operations only
(B) Production Policy only
(C) Suppliers Term only
(D) Only (A) and (B)
(E) All (A), (B) and (C)
Ans : (E)

27. One of the following states is a major producer of spices ……….
(A) Karnataka
(B) Tamil Nadu
(C) Kerala
(D) Gujarat
(E) Manipur
Ans : (C)

28. The NAV of a mutual fund ……
(A) Is always constant
(B) Keeps going up at a steady rate
(C) Fluctuates with market price movements
(D) Cannot go down at all
(E) None of these
Ans : (E)

29. The expansion of TRAI is …….
(A) Telecom Regulations and Inspection
(B) Transport Regulatory Authority of India
(C) Train Regulatory Authority of India
(D) Telecom Regulatory Authority of India
(E) Transfer Regulations Act of India
Ans : (D)

30. ASBA, a facility while applying / submitting an application for purchase of shares under a public issue, is ……….
(A) Applications Simple Balance Amount
(B) Amount Saved and Balance in Account
(C) Already Savings Blocked Amount
(D) Applications Supported by Blocked Amount
(E) None of these
Ans : (D)

31. A Saving Bank Deposit Account is one where ……….
(A) Amounts are deposited and are withdrawn as per requirement of the customers
(B) The deposits are made only once in a year
(C) Periodical Fixed amount are deposited month wise and withdrawals are allowed after a fixed period
(D) All the above
(E) None of these
Ans : (A)

32. Who is the Chief Minister of Maharashtra at present ?
(A) Ashok Chavan
(B) R. R. Patil
(C) Vilasrao Deshmukh
(D) Sushil Kumar Shinde
(E) None of these
Ans : (E)

33. The expansion of CDMA is …….
(A) Calculated Division of Many Applications
(B) Computer Divided Multiple Access
(C) Code Diversified Memory Applications
(D) Code Division Multiple Access
(E) None of these
Ans : (D)

34. ‘Merdeka Cup’ is associated with the game of ……….
(A) Tennis
(B) Hockey
(C) Badminton
(D) Cricket
(E) Football
Ans : (E)

35. Which of the following is a financial asset ?
(A) Gold
(B) Silver
(C) Shares in a demat account
(D) Land & buildings
(E) None of these
Ans : (C)

36. Zero balance account is generally allowed to be opened for ……….
(A) Salaried class
(B) businessmen
(C) foreign customers
(D) children
(E) Senior Citizens
Ans : (A)

37. In Deposits Account ‘KYC’ (Know Your Customer) has been implemented in 2002 as per directive of ……….
(A) IBA
(B) RBI
(C) Ministry of Finance
(D) SEBI
(E) IRDA
Ans : (B)

38. The regulator of the banking system in India is………
(A) AMFI
(B) Finance Minister
(C) SEBI
(D) IBA
(E) RBI
Ans : (E)

39. Ten Rupee notes contain the signature of………
(A) Finance Secretary, GOI
(B) Chairman, State Bank of India
(C) Governor, Reserve Bank of India
(D) Finance Minister, GOI
(E) Prime Minister
Ans : (C)

40. Statue of Liberty is the national monument of ……….
(A) Italy
(B) Australia
(C) France
(D) Denmark
(E) USA
Ans : (E)

41. Loan against the security of immovable property is by executing an agreement of ……….
(A) Assignment
(B) Pledge
(C) Transfer
(D) Mortgage
(E) None of these
Ans : (D)

42. Credit Rating ……….
(A) is used to rate the borrowers while giving advances
(B) is used to work out performance of the employees
(C) is used to calculate the number of excellent audit rated branches
(D) is NOT used in any Bank
(E) is necessary before giving promotion to employees
Ans : (A)

43. Who amongst the following is the recipient of the ‘Dadasaheb Phalke Award 2010’ ?
(A) Javed Akhtar
(B) Amitabh Bachchan
(C) Gulzar
(D) Hema Malini
(E) None of these
Ans : (E)

44. In Corporate Hedging, which one of the following types of risks can be covered ?
(A) Liquidity risk
(B) Currency risk
(C) Credit risk
(D) Transaction risk
(E) None of these
Ans : (B)

45. Bank of Rajasthan is now merged with which of the following banks ?
(A) AXIS Bank
(B) IDBI Bank
(C) ICICI Bank
(D) HDFC Bank
(E) None of these
Ans : (C)

46. As per GDP figures on calendar year basis, according to World Bank, which one of the following economies will have highest GDP growth in the year 2011 ?
(A) US
(B) China
(C) Japan
(D) India
(E) Brazil
Ans : (B)

47. In respect of infrastructure bonds issued under provisions of Section 80 CCF of the Income Tax Act, what is the maximum amount (Rs. in thousands), upto which these bonds can be covered ?
(A) 30
(B) 20
(C) 40
(D) 50
(E) None of these
Ans : (E)

48. Which of the following is the full form of the abbreviation ‘IFRS’ as used in corporate / finance sector ?
(A) Indian Financial Reconciliation Standards
(B) Interpretation and Formal Reporting System
(C) International Financial Reporting Standards
(D) International Financial Reporting System
(E) None of these
Ans : (C)

49. As per the new guidelines issued by SEBI, companies are required to list shares within how many days of the closure of the Initial Public Offers (IPOs) ?
(A) 60 days
(B) 12 days
(C) 30 days
(D) 45 days
(E) None of these
Ans : (D)

50. RTGS stands for ……….
(A) Real Time Gross Settlements
(B) Reduced Time Gross Settlements
(C) Relative Time Gross Settlements
(D) Real Total Gross Securities
(E) None of these
Ans : (A)

Indian Bank P.O. Exam Solved Paper 2011

General Awareness

Q.1 Which of the following carries out 'Open Market Operations?
(1) Finance Ministry     (2) External Affairs Ministry
(4) Planning Commission (5) Ministry of Commerce

Q. 2 Who among the folfowing Ministers will hold telecom portfolio in addition to his own portfolio till next reallotment?
(1) Kamal Nath        (2) Kapil Sibal
(4) Mamta Banerjee (5) None of these

Q. 3 Under provisions of which one of the following Acts, the RBI issues directives to the Banks in India?
(1) RBI Act  (2) Banking Regulation Act (3) Essential Commodities Act
(4) RBI and Banking Regulation Act (5) None of these

Q.4 On which one of the following 'Head of Expenses', the expenses of the Government of India are highest?
(1) Food subsidy (2) Fertilizer subsidy     (3) Pradhan Mantri Gram SadakYojana
(4) Maintenance of national highways     (5) Oil subsidy

Q.5 Which one of the following foreign agencies will assist the municipal agencies to improve quality of municipal schools through its School Excellence Programmes (SEP) ?
(1) IMF     (2) UNDP     (3) UNICEF     (4) ADB  (5) None of these

Q. 6 Which one of the following tools is used by RBI for selective credit control?
(1) It advises banks to lend against certain commodities
(2) It advises banks to recall the loans for advances against certain commodities
(3) It advises banks to charge higher rate of interest for advance against certain commodities
(4) It discourages certain kinds of lending by assigning higher risk weights to loans it deems undesirable
(5) None of these

Q.7 For which one of the following Loan Products 'teaser loans' are offered by Banks?

(1) Education Loans         (2) Commercial Loans (3) Loans against security of gold
(4) Retail Trade Loans     (5) Home Loans     ,

Q. 8 The Commonwealth Games 2010 were held in Delhi from October 3 to 14, 2010. Who amongst the following picked up the Game's first gold medal?     '
(1) Augustina Nwaokolo     (2) Ravinder Singh     (3) Azhar Hussain (4) Carol Huynh     (5) None of these

Q.9 In which one of ihe following cities was the recent meet of G-20 Countries organised ?
(1) Tokyo     (2) Seoul     (3) London     (4) Beijing     (5) Singapore

Q.10 As per recent newspaper reports, which one of the following countries (among the given) has highest literacy rate?
(1) India     (2) Sri Lanka     (3) China     (4) Vietnam     (5) Bangladesh

Q.11 Which one of the following has decided to give guarantee for infra loans? .
(1) IDBI     (2) SBI     (3) IIFCL     (4) SIDBI     (5) None of these

Q.12 In which one of the following States is the uranium project proposed to be set up ?
(1) Manipur     (2) Meghalaya     (3) Orissa     (4) Assam     (5) Nagaland

Q.13 Amongst 169 countries on Human Development Index, which one of the following is India's rank?

(1) 89  (2) 91 (3) 119  (4) 129 (5) 138

Q.14 What is 'Kaveri' ?

(1) India's indigeneous aircraft engine

(2) India's Low Cost laptop

(3) India's Air to Air Missile

(5) Unmanned Aircraft acquired from Israel

Q.15 An increasing finished good stock as % to sales of a manufacturing Company indicates that-

(A) the market is getting competitive.

(B) the quality of the goods is not upto the mark.

(C) the production cost has increased.

(D) the production has decreased.
(1) Only (A) and (B)     (2) Only (B) and (C)     (3) Only (C) and (D)
(4) Only (C)     (5) Only (D) and (A)

Q. 16 Which one of the following has got RBI nod to issue pre-paid cards to its clients?
(1) LIC     (2) GIC     (3) SIDBI     (4) NABARD     (5) None of these

Q.17 For which one of the following reasons is an amendment in Companies Bill 2009 proposed?
(1) To provide more powers to Department of Company Affairs
(2) To provide regulatory powers to Department of Company Affairs
(3) To make Indian Accounting Standards applicable with effect from 1.4.2011
(4) To ensure smooth convergence of the Indian Accounting Standards with IFRS
(5) None of these

Q.18 As per recent newspaper reports, India's public debt rises 2.8 percent to Rs. 28 lakh crores. Which one of the following is the reason that has forced commercial banks 10 buy Government securities?
(1) Lack of credit growth     (2) Increase in credit growth (3) Raising of repo rate
(4) Raising of reverse repo rate (5) None of these

Q.19 In which one of the following States Sariska Tiger Reserve is located?
(1) M. P.     (2) U. P.     (3) Orissa     (4) Gujarat     (5) Rajasthan

Q.20 On which one of the following characters, Biometric security is based?
(1) Finger prints and palm recognition only
(2) Face recognition and voice recognition only
(3) Hand writing and manual recognition only
(4) Only(l) and (2)     (5) All (1),(2) &(3)

Q.21 Which one of the following may be the consequence of buying forex in the market by the RBI ?
(1) It leads to inflation     (2) It leads to control over inflation
(3) It does not affect inflation (4) It results into deflation   (5) None of these

Q.22 Under provisions of which one of the following Acts, the Reserve Bank of india has the power to
regulate, supervise and control the banking sector?
(1) RBI Act     (2) Banking Regulation Act     (3) Negotiable Instrument Act
(4) RBI and Banking Regulation Act     (5) None of these

Q.23 Who amongst the following is the author of the book "The God of Small Things" ?
(1) Chetan Bhagat     (2) V.S. Naipul     (3) Namita Gokhale
(4) Kiran Desai          (5) Arundhati Roy

Q. 24 Which one of the following has proposed $ 11 billion infrastructure debt fund?
(1) NABARD     (2) SBI         (3) RBI
(4) Ministry of Finance, Govt. of India         (5) Planning Commission

Q. 25 Myanmar's pro-democracy leader Suu Kyi is a     _
(1) 42 years old politician     (2) Bharat Ratna         (3) Military General
(4) Nobel Prize winner     (5) None of these

Q.26 Which one of the following factors influence working capital of a unit?
(1) Seasonally of operations only     (2) Production Policy only
(3) Suppliers Term only     (4) Only (1) and (2)     (5) All (1), (2) & (3)

Q.27 The G-20 Summit was held in which of the following places in October 2009 ?
(1) Paris     (2) Vienna     (3) Tokyo     (4) Pittsburgh     (5) London

Q.28 As per a newspaper report, only few countries are left to make Non-Proliferation Treaty (NPT), a universal treaty. Which of the following is one of them?
(1) Japan         (2) Indian       (3) Italy     (4) France    (5) Russia

Q. 29 Which TV channel has been in the news for its coverage of the Bin Laden crisis, especially for having carried all broadcasts of Osama Bin Laden to. audiences in West Asia?
(1) Star Asia     (2) BBC Asia     (3) Al Jazeera     (4) Khaleed Times (5) None of these

Q.30 India will host the world Tiger Summit for the first time in 2010. The Summit will be organized in __
(1) Kolkata     (2) Bharatpur     (3) .Junagarh     (4) Ranthambore (5) None of these

Q.31 Under what name is MTNL marketing its GSM based mobile telephony?
(1) Swarna     (2) Dolphin     (3) Speed     (4) Vayu     (5) None 0 f these

Q.32 Which of the following countries has been fully suspended from the Common wealth of Nations after its refusal to announce General Elections which have been due since long?
(1) Pakistan     (2) Nepal     (3) Fiji     (4) Sri Lanka     (5) None of these

Q.33 What is the name of the branded petrol with cleansing additives that is being marketed by HPCL?
(1) Power     (2) Premium     (3) Speed     (4) Clean X     (5) None of these

Q. 34 Under what name is MTNL marketing its CDMA based WiLL service in Mumbai and Delhi?
(1) Dolphin     (2) Swarna     (3) Garuda     (4) Seema     (5) None of these

Q.35 Which of the following countries agreed recently to discontinuar efuelling ships in the Indian Ocean for the NATO led coalition in Afghanistan?
(1) Japan     (2) Indonesia     (3) Bangladesh     (4) Pakistan     (5) None of these

Q.36 To which business group did the Ambanis of Reliance Group sell their holding in Larsen and Toubro?
(1) RP Goenkas (2) A V Birla     (3) Kanorias     (4) Mittals     (5) None of these

Q.37 Name the brand that was launched and promoted by a famous father-son duo.
(1) ICICI Credit cards     (2) Parket Beta     (3) Maruti Versa (4) All of these.     (5) None of these

Q.38 What is the sub brand of the new car that Toyota is launching in India?
(1) Accord     (2) Jupiter     (3) C Planet     (4) Camry     (5) None of these

Q.39 Who amongst the following is the winner of the Mahatma Gandhi International Award for Peace and Reconc iliation 2009 ?
(1) Yukiya Amano     (2) Aung San Suu Kyi     (3) Bill Gates
(4) Hillary Clinton     (5) None of these

Q.40 With which brand would you identify the famous advertising slogan 'Think Different'?
(1) Apple     (2) IBM     (3) Wipro     (4) HCL     (5) None of these

Q.41 Credit Rating             .

(1) is used to rate the borrowers while giving advances.
(2) is used to work out performance of the employees.
(3) is used to calculate the number of excellent audit rated branches.
(4) is NOT used in any Bank.
(5) is necessary before giving promotion to employees

Q.42 Who amongst the following is the recipient of the 'Dadasaheb Phalke Award - 2010'?
(1) Javed Akhtar     (2) Amitabh Bachchan     (3) Guizar
(4) Hema Malini      (5) None of above

Q.43 In Corporate Hedging, which one of the following types of risks can be covered?
(1) Liquidity risk     (2) Currency risk     (3) Credit risk
(4) Transaction risk (5) None of these

Q.44 Bank of Rajasthan is now merged with which of the following banks?
(1) AXIS Bank     (2) IDBI Bank     (3) ICICI Bank     (4) HDFC Bank (5) None of these

Q.45 As per GDP figures on calendar year basis, according to World Bank, which one of the following economies will have highest GDP growth in the year 2011 ?
(1) US     (2) China     (3) Japan     (4) India     (5) Brazil

Q.46 In respect of infrastructure bonds is sued under provisions of Section 80 CCF of the Income Tax Act, what is the maximum amount (Rs. in thousands), upto which these bonds can be covered?
(1) 30     (2) 20     (3) 40     (4) 5.0     (5) None of these

Q.47 Which of the following is the full form of the abbreviation 'IFRS' as used in corporate / finance Sector ?

(1) Indian Financial Reconciliation Standards
(2) Interpretation and Formal Reporting System
(3) International Financial Reporting Standards
(4) International Financial Reporting System   
(5) None of these

Q.48 As per the new guidelines issued by SEBI, companies are required to list shares within how many days of the closure of the Initial Public Offers (IPOs) ?
(1) 60 days     (2) 12 days     (3) 30 days     (4) 45 days     (5) None of these

Q.49 RTGS stands for -----
(1) Real Time Gross Settlements      (2) Reduced Time Gross Settlements
(3) Relative Time Gross Settlements (4) Real Total Gross Securities  (5) None of these


Answer:

(1)3  (2)2  (3) 1 (4) 1  (5) 5 (6) 1 (7)5 (8) 5 (9)2 (10)2 (11)3 (12)2 (13)3 (14)1(15)2 (16)1 (17)4 (18)4  (19)5  (20)5  (21)3 (22)4 (23)5  (24)5  (25)5 (26)2 (27)5 (28)4 (29)3 (30)3 (31)4 (32)2 (33)3 (34)1 (35)3 (36)1 (37)2 (38)3 (39)4 (40)2 (41)1 (42)1 (43)5 (44)2 (45)3 (46)2 (47)2 (48)3 (49)3

 

INDIAN BANK RURAL MARKETING OFFICERS EXAM 2010 SOLVED PAPER

Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.

Delays of several months in National Rural Employment Guarantee Scheme (NREGS) wage payments and worksites where labourers have lost all hope of being paid at all have become the norm in many States. How are workers who exist on the margins of subsistence supposed to feed their families ? Under the scheme, workers must be paid within 15 days, failing which they are entitled to compensation under the Payment of Wages Act-upto Rs. 3,000/- per aggrieved worker. In reality, compensation is received in only a few isolated instances.

It is often argued by officials that the main reason for the delay is the inability of banks and post offices to handle mass payments of NREGS wages. Though there is a grain of truth in this, as a diagnosis it is misleading. The ‘jam’ in the banking system has been the result of the hasty switch to bank payments imposed by the Central Government against the recommendation of the Central Employment Guarantee Council which advocated a gradual transition starting with villages relatively close to the nearest bank.

However delays are not confined solely to the banking system. Operational hurdles include implementing agencies taking more than fifteen days to issue payment orders, viewing of work measurement as a cumbersome process resulting in procrastination by the engineering staff and non-maintenance of muster rolls and job cards etc. But behind these delays lies a deeper and deliberate ‘backlash’ against the NREGS. With bank payments making it much harder to embezzle NREGS funds, the programme is seen as a headache by many government functionaries–the workload has remained without the ‘inducements’. Slowing down wage payments is a convenient way of sabotaging the scheme because workers will desert NREGS worksites.


The common sense solution advocated by the government is to adopt the business correspondent model wherein bank agents will go to villages to make cash payments and duly record them on handheld electronic devices. This solution is based on the wrong diagnosis that distance separating villages from banks is the main issue. In order to accelerate payments, clear timelines for every step of the payment process should be incorporated into the system as Programme Officers often have no data on delays and cannot exert due pressure to remedy the situation. Workers are both clueless and powerless with no provision for them to air their grievances and seek redress. In drought affected areas the system of piece rate work can be dispensed with, where work measurement is not completed within a week and wages may be paid on the basis of attendance. Buffer funds can be provided to gram panchayats and post offices to avoid bottlenecks in the flow of funds. Partial advances could also be considered provided wage payments are meticulously tracked. But failure to recognise problems and unwillingness to remedy them will remain major threats to the NREGS.

1. What impact have late wage payments had on NREGS workers ?
(A) They cannot obtain employment till their dues are cleared
(B) They have benefited from the compensation awarded to them
(C) They have been unable to provide for their families
(D) They have been ostracised by their families who depend on them for sustenance
(E) None of these
Ans : (C)

2. Which of the following factors has not been responsible for untimely payment of NREGS wages ?
(A) Communication delays between agencies implementing the scheme
(B) Improper record keeping
(C) Behind schedule release of payments by banks
(D) Drought conditions prevalent in the country
(E) Delays in work measurement
Ans : (D)

3. What has the outcome of disbursing NREGS wages through banks been ?
(A) Theft of funds by administration officials responsible for the scheme has reduced
(B) Increased workload for local government officials
(C) Protests by workers who have to travel long distances to the nearest bank to claim their wages
(D) Time consuming formalities have to be completed by workers
(E) None of these
Ans : (D)

4. According to the passage, which of the following has/have been the consequence(s) of delayed wage payments ?
(1) Compensation to victimised workers has amounted to crores.
(2) Banks will no longer be entrusted with remitting wages.
(3) Regulations to ensure punctual wage payments have come into force.
(A) None
(B) Only (1)
(C) Only (1) and (3)
(D) Only (1) and (2)
(E) Only (2) and (3)
Ans : (C)

5. To which of the following has the author attributed the delay in wage payments ?
(A) Embezzlement of funds by corrupt bank staff.
(B) Lack of monitoring by the Central Employment Guarantee Council
(C) An attempt to derail the NREGS by vested interests
(D) Overworked bank staff deliberately delay payments to protest against extra work
(E) Engineers’ efforts to wreck the NREGS because of low wages
Ans : (E)

6. which of the following is NOT true in the context of the passage ?
(1) Workers are reluctant to open bank accounts as branches are not conveniently located.
(2) Local officials often delay wage payments in drought prone areas to benefit workers.
(3) The Government has not implemented every recommendation of the Central Employment Guarantee Council.
(A) Only (2)
(B) Only (1) and (2)
(C) Only (2) and (3)
(D) All (1), (2) and (3)
(E) None of these
Ans : (D)

7. Which of the following can be considered a deficiency in the NREGS ?
(A) Lack of co-ordination among Programme Officers
(B) Local officials are unaware of correct operational procedures
(C) Workers have no means of obtaining redressal for untimely wage payments
(D) Disbursing wages through banks instead of readily accessible post offices
(E) The Central Employment Guarantee Council is reluctant to award compensation to workers
Ans : (A)

8. What solution has the author suggested to expedite NREGS wage payments ?
(A) Empower the Central Employment Guarantee Council to monitor the NREGS
(B) Implement payment of wages in cash at all worksites
(C) Restrict the amount of funds to local government bodies in order to curb frauds
(D) Provide attendance records to workers so that they have proof to claim their wages
(E) None of these
Ans : (B)

9. What is the author’s view about the government’s solution to the problem of delayed wage payments ?
(A) He agrees with it as workers will not have to bear the expense of travelling long distances to claim their wages
(B) He is not in favour of it as funds can be misappropriated by agents
(C) He welcomes it as the time consuming work measurement process will be done away with
(D) He feels it does not address the core issues plaguing the scheme
(E) He feels it will ensure flawless implementation of the scheme
Ans : (A)

10. Which of the following can be said about the National Rural Employment Guarantee Scheme ?
(1) Skilled engineers are not compensated under this scheme.
(2) The scheme should be implemented only in famine prone areas.
(3) Employers have not complied with all the requirements of the scheme.
(A) Only (1)
(B) Only (3)
(C) Only (2) and(3)
(D) Only (1) and (2)
(E) None of these
Ans : (B)

Directions—(Q. 11–13) Choose the word which is MOST SIMILAR in MEANING to the word printed in bold as used in the passage.

11. Isolated
(A) Lonely
(B) Separated
(C) Detached
(D) Hidden
(E) Rare
Ans : (E)

12. Confined
(A) Locked
(B) Restricted
(C) Detained
(D) Captured
(E) Imprisoned
Ans : (B)

13. Desert
(A) Betray
(B) Escape
(C) Barren
(D) Abandon
(E) Vacant
Ans : (D)

Directions—(Q. 14–15) Choose the word which is MOST OPPOSITE in MEANING to the word printed in bold as used in the passage.

14. Convenient
(A) Troublesome
(B) Annoying
(C) Appropriate
(D) Easy
(E) Distant
Ans : (A)

15. Deliberate
(A) Unsteady
(B) Abrupt
(C) Mistake
(D) Chosen
(E) Accidental
Ans : (E)

Directions—(Q. 16–20) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence meaningful and grammatically correct. If the sentence is correct as it is and ‘No correction is required’, mark (E) as the answer.

16. Unless the government monitored the loan waiver scheme well, it is likely to be a success.
(A) For the government to monitor
(B) Unless the government monitors
(C) Though the government monitored
(D) If the government monitors
(E) No correction required
Ans : (D)

17. The main objective of hiring this consultant is in assessing that this data can be computerised.
(A) assessing that
(B) an assessment of
(C) to assess how
(D) for assessing that when
(E) No correction required
Ans : (C)

18. The designs finally ready and we shall submit them for approval tomorrow, well before the specified deadline.
(A) Designs finally will be
(B) Designs are finally
(C) Final designs
(D) Designing finally
(E) No correction required.
Ans : (B)

19. Most irrigation projects have delayed due to lack of adequate government funding.
(A) have been delayed from
(B) will be delayed for
(C) were delaying due to
(D) are delayed because of
(E) No correction required
Ans : (D)

20. Many Indian companies import components from China as they are cheap compared to those manufactured locally.
(A) as they are cheap as
(B) because it is cheaper
(C) since these are cheaper
(D) which is cheap
(E) No correction required
Ans : (C)

Directions—(Q. 21–25) In each question below a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate, if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e., ‘All correct’ as your answer.

21. Your marketing strategy (A) should be devised (B) dependent (C) on the kind of business you own. (D) All correct (E)
Ans : (C)

22. The file contents (A) a revised (B) estimate (C) of the banking industry’s manpower requirements (D) for the next year. All correct (E)
Ans : (A)

23. To better understand the challenges (A) of starting a new venture (B) he read (C) up extensively. (D) All correct (E)
Ans : (A)

24. Since our financial resources (A) are limitless (B) we cannot afford (C) this alternative. (D) All correct (E)
Ans : (B)

25. His main reasoning (A) for applying (B) for this promotion is the possibility (C) of an overseas posting. (D) All correct (E)
Ans : (A)

Directions—(Q. 26–30) Rearrange the following six sentences 1, 2, 3, 4, 5 and 6 in the proper sequence to form a meaningful paragraph; then answer the questions given below them—
1. Voluntary measures such as codes of conduct have failed to address these issues and deliver change.
2. However they can also cause serious problems with their irresponsible behaviour.
3. Companies are a powerful force for good.
4. There are several instances of companies undermining worker’s rights and damaging the environment.
5. The Comapnies Bill 2009 is thus a means to address issues of corporate governance and ensure companies are accountable for the financial performance and social impact.
6. They provide jobs, boost economies and aid social and environmental development.

26. Which of the following should be the FIRST sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (C)

27. Which of the following should be the SECOND sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 6
Ans : (E)

28. Which of the following should be the THIRD sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
Ans : (B)

29. Which of the following should be the FIFTH sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (A)

30. Which of the following should be the LAST (SIXTH) sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
Ans : (E)

Directions—(Q. 31–`40) Read each sentence to find out whether there is any grammatical error or idiomatic error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any.)

31. Despite the merger (A) / the airline has reported (B) / sizeable losses and is unable (C) / to pay their employees. (D) No error (E)
Ans : (D)

32. We have recently began (A) / the process of recruiting (B) / insurance agents for (C) / our North-Eastern branches. (D) No error (E)
Ans : (A)

33. The company’s decision to issue (A) / bonus shares clearly indicates (B) / the management’s confident (C) / about the future. (D) No error (E)
Ans : (C)

34. Inspite that organisations are aware (A) / of the importance of IT (B) / they often do not know (C) / how to deploy it effectively. (D) No error (E)
Ans : (D)

35. Keeping in mind that India (A) / is one of the world’s fastest (B) / growing economies many international (C) / companies are invested in India. (D) No error (E)
Ans : (D)

36. Although interlinking of rivers will (A) / help tackle drought, the government (B) / has not paid much (C) / attention to this project. (D) No error (E)
Ans : (C)

37. The rise in prices of food items is (A) / likely the cause of inflation (B) / to exceed eight percent (C) / during the next quarter. (D) No error (E)
Ans : (C)

38. Many people believe that (A) / the nationalisation of banks (B) / in the 1960s have proteced India (C) / from the current financial crisis. (D) No error (E)
Ans : (C)

39. RBI in favour (A) / of amending currently (B) / policies governing operations of (C) / foreign banks in India. (D) No error (E)
Ans : (C)

40. These recently upgraded branch offices (A) / have been fully computerised (B) / and are connected to headquarters (C) / to ensure proper monitoring. (D) No error (E)
Ans : (C)

Directions—(Q. 41–50) In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

The …(41)… of India as an econonmic superpower is not reflected in the …(42)… of life enjoyed by its 1.2 billion citizens according to the Human Development Index which …(43)… India very low among 182 countries. In our performance oriented world, measurement issues have taken on …(44)… importance as what we measure affects what we do. In fact the French President has established an international commission on the Measurement of Economic Performance and Social Progress owing to his …(45)… and that of others with the current state of statistical information about the economy and society.

The big question concerns …(46)… Gross Domestic Product (GDP) provides a good measure of living standards. In many cases GDP statistics seem to …(47)… that the economy is doing far better than most citizens feel it is. Moreover the focus on GDP creates conflicts-while political leaders are told to maximise it, citizens also demand that …(48)… be paid to enhancing security, reducing air, water and noise pollution all of which actually …(49)… GDP growth. Statistics are …(50)… to summarise what is going on in our complex society, it is therefore obvious that we can’t reduce everything to a single number–GDP.

41. (A) tribute
(B) pursuit
(C) perception
(D) conversion
(E) title
Ans : (E)

42. (A) loss
(B) quality
(C) spirit
(D) span
(E) joy
Ans : (B)

43. (A) counted
(B) scored
(C) qualified
(D) regard
(E) ranked
Ans : (E)

44. (A) negligible
(B) great
(C) unduly
(D) trivial
(E) considerably
Ans : (B)

45. (A) obedience
(B) confidence
(C) belief
(D) dissatisfaction
(E) compliance
Ans : (D)

46. (A) that
(B) unless
(C) because
(D) against
(E) whether
Ans : (E)

47. (A) suggest
(B) recommend
(C) think
(D) point
(E) refer
Ans : (A)

48. (A) compensation
(B) respect
(C) debt
(D) attention
(E) expense
Ans : (D)

49. (A) recover
(B) lower
(C) attain
(D) decline
(E) shrunk
Ans : (B)

50. (A) inferred
(B) difficult
(C) interpret
(D) reveal
(E) intended
Ans : (E)

Indian Bank P.O. Exam., 2010
General Awareness
(Held on 17-1-2010)

1. The Index of Industrial Production (IIP) is compiled and released by which of the following organizations/ agencies?
(A) Registrar of Companies
(B) Confederation of Indian Industries
(C) Bombay Stock Exchange
(D) Reserve Bank of India
(E) Central Statistical Organisation
Ans : (E)

2. Which of the following states launched a special scheme under which 10 kg of whole wheat flour is sold at a fixed price of Rs. 139 through its select outlets ?
(A) Delhi
(B) Kerala
(C) West Bengal
(D) Uttar Pradesh
(E) None of these
Ans : (A)

3. Which of the following is the abbreviated name of the asset reconstruction company created specifically for small and medium sectors ?
(A) CGTMSE
(B) CARE
(C) APITCO
(D) ISARC
(E) None of these
Ans : (C)

4. Retail investors made Rs. 1•9 lakh crore in market rally, was the news in some major financial newspapers recently. The term ‘Retail investors’, as used in this headline, means which of the following types of stock market investors ?
(A) Promoters of Companies
(B) Individuals
(C) Foreign Institutional Investors
(D) Mutual Funds
(E) Corporate Bodies
Ans : (B)

5. Many times we read in newspapers that some bank(s) has/have to write off certain amount given/advanced by them. In banking terminology, what does ‘write off’ mean ?
(A) Loans sanctioned on paper but bank has yet to make provision for the same so that borrower can withdraw the money
(B) Big corporate loans for which bank has/have to take approval from RBI
(C) Loans for which documentation work is yet to be completed
(D) Bad and uncollectable loans
(E) Those loans which can never become bad or uncollectaebl loans as they are given under some social assistance scheme by the Govt. of India
Ans : (D)


6. Who amongst the following was the chairperson of the ‘Working Group on Benchmark Prime Lending Rate (BPLR)’constituted by the Reserve Bank of India
(A) Dr. K. C. Chakrovorty
(B) Mr. Deepak Mohanty
(C) Mr. Bhaskaran
(D) Mr. O. P. Bhatt
(E) Mr. M. V. Nair
Ans : (B)

7. A bank normally does not have to deal with an issue related to—
(A) Payments and settlement systems
(B) Contractual rights of creditors
(C) Intellectual property rights
(D) Cases of insolvency
(E) Coordination between regulators active in banking/financial sectors.
Ans : (C)

8. As per the news published in various newspapers, Reliance Industries has submitted a bid to acquire petrochemical giant Lyondell Basell. This is a company based in—
(A) UAE
(B) Germany
(C) France
(D) Britain
(E) USA
Ans : (E)

9. The new Foreign Trade Policy announced recently by the Govt. of India will be valid upto—
(A) 2014
(B) 2015
(C) 2016
(D) 2020
(E) None of these
Ans : (A)

10. The Committee on Financial Sector Assessment (CFSA) set up by the Reserve Bank of India has also recommended several reforms in which of the following existing laws in India?
(A) Taxation Laws
(B) Commercial Laws
(C) Banking Regulation Laws
(D) Property Laws
(E) All of these
Ans : (C)

11. As per the reports published in various financial newspapers/magazines, exports to Euro zones from various countries and India unexpectedly tumbled again in last two/three months. What does it indicate ?
1. It has raised fresh doubts about the reality of the economic recovery of ‘16 country strong’ Euro zone.
2. Euro has yet to establish its credibility as an acceptable currency. Countries still prefer US$ to any t hoer
currency for major trans-border trades.
3. Euro zone countries do not wish to import much from India.
(A) Only 1
(B) Only 2
(C) Only 3
(D) All 1, 2 and 3
(E) None of these
Ans : (B)

12. Which of the following governments has recently informed to its creditors that there may be delays in repayment of loans, it has taken from various agencies/organizations all over the world ?
(A) Dubai
(B) Japan
(C) Sri Lanka
(D) Nepal
(E) None of these
Ans : (A)

13. As per existing norms and policies of the RBI, Banks are required to advance how much of their total advances to priority sectors ?
(A) 30%
(B) 35%
(C) 40%
(D) 25%
(E) None of these
Ans : (C)

14. Which of the following was the first Mutual Fund listed on the newly launched Mutual Fund platform on National Stock Exchange ?
(A) UTI Mutual Fund
(B) SBI Mutual Fund
(C) LIC Mutual Fund
(D) Bank of Baroda Mutual Fund
(E) None of these
Ans : (A)

15. As per the newspaper reports, the L&T has tied up with NPCIL to make forgings for nuclear power plants. This joint venture is being developed in—
(A) Chennai
(B) Bangalore
(C) Hazira
(D) Narora
(E) Tarapore
Ans : (C)

16. As per the Reserve Bank of India (RBI), the economic conditions in India are not yet suitable for full convertibility of Rupee. At present rupee is convertible at which of the following accounts ?
1. Fully at Capital Account
2. Fully of Current Account
3. Partially at Trade Account
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 3
(E) None of these
Ans : (B)

17. As per the notification issued by the banks, the ‘third party ATM usage’ will now be restricted to certain withdrawals and limits only. What does it really mean ?
1. The ATM card holders will not be able to withdraw from other banks’ ATMs under any circumstances.
2. Customers of one bank may be able to withdraw only a limited amount from other banks’ ATMs.
3. ATM card holders will have to pay a fee if they withdraw money from other banks’ ATMs frequently.
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 2 and 3
(E) Only 1 and 3
Ans : (D)

18. Transport of goods by which of the following is free from levy of the Service Tax ?
(A) Indian Railways
(B) Shipping Companies owned by NRIs
(C) All Private Road Transport Companies
(D) By the Transport Corporation of India in its own special containers
(E) None of these
Ans : (A)

19. As per the news published in major newspapers, the Reserve Bank of India (RBI) raised Statutory Liquidity Ratio (SLR) by 100 basis points to 25%. What was/were the reason(s) owing to which RBI raised the SLR ?
1. It will help in reducing liquidity in the market.
2. Inflation will come down substantially.
3. It will facilitate companies to launch their IPOs as the financial climate will become conducive for the same.
(A) Only 1
(B) Only 2
(C) Only 1 and 2
(D) Only 2 and 3
(E) All 1, 2 and 3
Ans : (C)

20. The Securitisation asnd Reconstruction of Financial Assets and Enforcement of Security Interests Act (SARFAESI Act) at present, is not applicable to—
(A) Public Sector Banks
(B) Financial Institutes of the Govt.
(C) Private Banks
(D) Non Banking Financial Companies
(E) Small and Cooperative Banks
Ans : (D)

21. As we all know, the US $ was at a 15 months low against the basket of currencies till recent past. Recently it reached a 14 years low against one of the major currencies. Which of the following is that currency ?
(A) Yuan
(B) Euro
(C) Rupee
(D) Yen
(E) None of these
Ans : (D)

22. The rate of interest, banks charge to its main/major and prime customers is popularly called as—
(A) Risk Premium
(B) Prime Lending Rate
(C) Repo Rate
(D) Reverse Repo Rate
(E) Cost of fund
Ans : (B)

23. Which of the following countries has launched OCEAN SAT-2, a satellite to provide data on its oceans ?
(A) China
(B) USA
(C) France
(D) India
(E) None of these
Ans : (D)

24. Parambikulam-Aliyar Multipurpose project is located in the hills of—
(A) Nilgiri hills range
(B) Periyar hills range
(C) Anamalai hills range
(D) Sahyadri hills range
(E) None of these
Ans : (C)

25. Which of the following organisations/agencies has recently released “World Investment Report : 2009 Transnational Corporations, Agricultural Production and Development” ?
(A) World Bank
(B) Asian Development Bank
(C) UNCTAD
(D) UNESCO
(E) None of these
Ans : (C)

26. Which of the following states is in the process of passing two amendments to its municipality and panchayat raj acts to enable women to have 50% seats in all local self government bodies ?
(A) Gujarat
(B) Uttar Pradesh
(C) Kerala
(D) Madhya Pradesh
(E) Delhi
Ans : (C)

27. Which of the following states recently organized an open public court ‘Jan Sunwai’ for the first time to present a public audit of its Special Economic Zones ?
(A) Gujarat
(B) Tamil Nadu
(C) Maharashtra
(D) Kerala
(E) West Bengal
Ans : (C)

28. The National Stock Exchange recently launched Interest Rate Futures (IRF). IRF in fact is a—
(A) New mode of trading specifically for SME sector
(B) Financial mode of trading
(C) Electronic mode of transferring money from one account to another
(D) Safest and fastest mode of trading at all the stock exchanges of India simultaneously
(E) None of these
Ans : (B)

29. What is the full form of UNEP, a term frequently seen in newspapers ?
(A) Universal Notification on Energy Protection
(B) Universal New Education Project
(C) Universal Natural Energy Project
(D) United Nations Education Programme
(E) United Nations Environment Programme
Ans : (E)

30. The Reserve Bank of India has directed all the banks to ensure that the names of their customers, individuals or corporates, do not appear in any list published by the Security Council Committee. This act/directive of the RBI is to ensure which of the following ?
(A) To ensure that the bank loans/advances taken by the individuals/organizations are used only in those activities for which they are taken
(B) To ensure that money deposited in the bank has not come from unknown and unauthorized sources
(C) To ensure that no one visits a foreign nation for any illegal activity by purchasing foreign currency from a bank
(D) To ensure that Indians do not go to a nation where Indians are being targeted for racial discrimination
(E) None of these
Ans : (A)

31. As per the resolution passed in the Pittsburgh Summit of G-20, now more weightage will be given to under-represented nations in the organizations like IMF etc. How much quota will be shifted to such nations in this way ?
(A) 5%
(B) 7%
(C) 10%
(D) 15%
(E) 17%
Ans : (A)

32. As per the decision taken by the Govt. of India, all new players using spectrum band for providing 3-G spectrum mobile service to its customers will have to pay a part of their annual revenue as spectrum charges to the Govt. of India. What is that charge in terms of percentage ?
(A) 1%
(B) 1•5%
(C) 3%
(D) 2•5%
(E) None of these
Ans : (A)

33. Which of the following bodies/agencies recently passed a resolution asking all the nations to sign the Nuclear Non Proliferation Treaty (NPT) without any further delay ?
(A) UN General Assembly
(B) International Atomic Energy Agency (IAEA)
(C) North Atlantic Treaty Organisation (NATO)
(D) South Asian Association of Regional Cooperation (SAARC)
(E) UN Security Council
Ans : (B)

34. Which of the following is not considered as a parameter for defining the Below Poverty Line (BPL) status of a person ?
(A) Food security
(B) Marital Status
(C) Debt
(D) Literacy
(E) Land holdings
Ans : (B)

35. Which of the following countries was successful in retaining ‘ICC Champions Trophy’, the final of which was played in October 2009 ?
(A) New Zealand
(B) Australia
(C) India
(D) South Africa
(E) None of these
Ans : (B)

36. Which of the following countries has been adjudged as the largest exporter of cotton ?
(A) Bangladesh
(B) Brazil
(C) Britain
(D) India
(E) None of these
Ans : (D)

37. Angela Merkel has become the Chancellor of which of the following nations again for a second four-year term ?
(A) Poland
(B) Russia
(C) Ukraine
(D) Germany
(E) None of these
Ans : (D)

38. ‘Maximum City’ is a book written by—
(A) V. S. Naipaul
(B) Vikram Seth
(C) Chetan Bhagat
(D) Kiran Desai
(E) Suketu Mehta
Ans : (E)

39. Which of the following countries has taken over as the Vice Chairman of the Organisation for Economic Cooperation and Development ?
(A) China
(B) South Korea
(C) North Korea
(D) India
(E) Iran
Ans : (B)

40. The Olympic Games 2016 will be organized in the city of—
(A) New Delhi
(B) Paris
(C) Tokyo
(D) New York
(E) Rio de Janeiro
Ans : (E)

41. Which of the following countries has raised objection to India’s efforts to make a 608 km long road link through Jammu and Kashmir, Himachal Pradesh, Uttarakhand, Sikkim and Arunachal Pradesh ?
(A) China
(B) Nepal
(C) Myanmar
(D) Bhutan
(E) Afghanistan
Ans : (A)

42. India has recently signed a Nuclear Pact with which of the following countries which insists on peaceful use of radioactive minerals (Such minerals are in plenty in that country) ?
(A) Mongolia
(B) Thailand
(C) Bangladesh
(D) Sri Lanka
(E) None of these
Ans : (A)

43. India won Compaq Cup Cricket Final (Tri series) 2009 by defeating—
(A) New Zealand
(B) South Africa
(C) Bangladesh
(D) England
(E) Sri Lanka
Ans : (E)

44. Who amongst the following won the 76th National Billiards Championship held in Sept. 2009 ?
(A) Geet Sethi
(B) Dhruv Sitwala
(C) Devendra Joshi
(D) Pankaj Advani
(E) None of these
Ans : (D)

45. Who amongst the following won the Men’s Singles US Open Tennis 2009 ? (played in Sept. 2009)
(A) Juan Martin del Potro
(B) Leander Paes
(C) Lukas Dlouhy
(D) Roger Federer
(E) None of these
Ans : (A)

46. ‘A Good Woman’ is a book written by—
(A) Dario Fo
(B) V. S. Naipaul
(C) Orhan Pamuk
(D) Herta Muller
(E) Danielle Steel
Ans : (E)

47. ASEAN recently signed an agreement called ‘FTA’ with India. What is the full form of ‘FTA’ ?
(A) Foreign Trade Agreement
(B) Full Trade Agreement
(C) Favourite Trade Acknowledgement
(D) Final and Total Approach
(E) Free Trade Agreement
Ans : (E)

48. ‘’CRY’’ is the name of the organization which works for the welfare of—
(A) Cancer Patients
(B) Children
(C) War victims
(D) Senior Citizens
(E) None of these
Ans : (B)

49. Which of the following is/are not called the types of Inflation?
1. Cost push
2. Real wages
3. Demand pull
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 3
(E) Only 2 and 3
Ans : (B)

50. ‘’Mumbai Gold Cup’’ is associated with the game of—
(A) Cricket
(B) Football
(C) Hockey
(D) Badminton
(E) Lawn Tennis
Ans : (C)

 

Indian Bank Rural Marketing Officers Exam., 2010
English Language
(Held on 3-1-2010)

Directions—(Q. 1–15) Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.

“We have always known that heedless self-interest was bad morals. We now know that it is bad economics,” said American President Franklin D. Roosevelt in 1937 in the midst of the Great Depression. And the world has learnt that enlightened self-interest is good economics all over again after the Great Recession of 2009. Americans are entering a period of social change as they are recalibrating their sense of what it means to be a citizen, not just through voting or volunteering but also through commerce. There is a new dimension to civic duty that is growing among Americans – the idea that they can serve not only by spending time in communities and classrooms but by spending more responsibily. In short, Americans are beginning to put their money where their ideals are.

In a recent poll most said they had consciously supported local or small neighbourhood businesses and 40 per cent said that they had purchased a product because they liked the social or political values of the company that produced it. People were alarmed about ‘blood diamonds’ mined in war zones and used to finance conflict in Africa. They were also willing to pay $2000 more for a car that gets 35 miles per gallon than for one that gives less, though the former is more expensive but environment friendly. Of course consumers have done their own doing-well by doing-good calculation – a more expensive car that gives better mileage will save them money in the long run and makes them feel good about protecting the environment. Moreover since 1995, the number of Socially Responsible Investment (SRI) mutual funds, which generally avoid buying shares of companies that profit from tobacco, oil or child labour has grown from 55 to 260. SRI funds now manage approxi mately 11 percent of all the money invested in the US financial markets–an estimated $ 2.7 trillion. This is evidence of a changing mindset in a nation whose most iconic economist Milton Friedman wrote in 1970 that a corporation’s only moral responsib ility was to increase shareholder profits.

At first the corporate stance was defensive : companies were punished by consumers for unethical behaviour such as discriminatory labour practices. The nexus of activist groups, consumers and government regulation could not merely tarnish a company but put it out of business. But corporate America quickly discerned that social responsibility attracts investment capital as well as customer loyalty, creating a virtuous circle. Some companies quickly embraced the new ethos that con sumers boycotted products they con sidered unethical and others purchase products in part because their manufacturers were responsibile. With global warming on the minds of many consumers lots of companies are racing to ‘outgreen’ each other. The most progressive companies are talking about a triple bottom line-profit, planet and people–that focuses on how to run a business while trying to improve environmental and worker conditions.

This is a time when the only thing that has sunk lower than the American public’s opinion of Congress is its opinion of business. One burning question is how many of these Corporate Social Responsibility (CSR) initiatives are just shrewd marketing to give companies a halo effect ? After all only 8 per cent of the large American corporations go through the trouble of verifying their CSR reports, which many consumers don’t bother to read. And while social responsibility is one way for companies to get back their reputations, Consumers too need to make ethical choices.

1. Which of the following represent/s the change/s that has/have occurred in the American outlook ?
(1) The perception that the government needs to invest resources in business rather than in education.
(2) Loss of faith in American corporations as they do not disburse their profits equitably among shareholders.
(3) Americans have cut down on their expenditure drastically to invest only in socially responsible mutual funds.
(A) None
(B) Only (3)
(C) Only (1) & (2)
(D) Only (1) & (3)
(E) All (1), (2) & (3)
Ans : (B)

2. Which of the following is/are TRUE in the context of the passage ?
(1) The voter turnout during the 2009 American elections was high.
(2) African diamonds are highly valued by the American public.
(3) American firms have to spend vast amounts on advertising because activists cast aspersions on their images.
(A) None
(B) Only (1)
(C) Only (2) and (3)
(D) Only (3)
(E) Only (1) and (3)
Ans : (B)

3. To what does the author attribute the consumers’ willingness to purchase environment friendly vehicles ?
(A) Auto companies sell these types of vehicles at lower rates in order to boost sales in times of recession.
(B) The realisation that consumers’ greed caused the economic recession of 2009.
(C) To show their support for small entrepreneurs who are the manufacturers of such vehicles.
(D) They have to comply with government guidelines regarding reduction of carbon emissions.
(E) None of these
Ans : (C)


4. Which of the following is the central idea of the passage ?
(A) It is beneficial to invest in American companies as they are socially responsible and profitable.
(B) Large corporations should be penalised by the American government for their greed.
(C) Ethical consumerism is profitable for organisations as well as society as a whole.
(D) Companies should be required by law to account for their impact on the environment in their balance-sheet.
(E) Developing countries should learn how to combat child labour from America.
Ans : (C)

5. Which of the following best describes the widespread view among Americans about big corporations ?
(A) They have been lax in fulfilling their moral responsibility of increasing profits and benefit ting shareholders.
(B) They are being too severely penalised by activities and the government for their role in the economic crisis.
(C) Their innovations have brought commercial success and benefited America tremendously.
(D) They need to be held accountable for their ruthless business practices.
(E) Their balance-sheets are often fraudulent and deceive shareholders.
Ans : (C)

6. What is the author trying to convey through the phrase ‘companies are racing to outgreen each other’ ?
(A) The competition among companies to boost their bottom line is very stiff.
(B) The conflict facing businesses of whether to benefit their shareholders or the environment.
(C) Corporations are vying with each other to solicit investment.
(D) Companies are striving to find the necessary funds to finance their environment friendly initiatives.
(E) None of these
Ans : (D)

7. Which of the following factors has led to corporations adopting more socially responsible practices ?
(A) The desire to be labelled as progressive by the government.
(B) Guilt over causing the economic downturn.
(C) High attrition rates as employees do not support the companies’ practices.
(D) Recognition of the changing demands of customers.
(E) Strict penalties imposed by governments against companies with unfair practices.
Ans : (D)

8. What can be inferred from the statistics mentioned about SRI mutual funds in the passage ?
(1) The percentage of child labourers has fallen since 1995.
(2) At present tobacco companies are making huge losses.
(3) The government needs to regulate SRI mutual funds as they handle vast amounts of funds.
(A) None
(B) Only (1)
(C) Only (1) and (2)
(D) Only (3)
(E) Only (2) and (3)
Ans : (E)

9. What is the author’s view about companies’ documentation of CSR initiatives ?
(A) Since it is not certified by the government it cannot be considered authentic.
(B) It is the ideal way to earn customer loyalty and set a good example for small businesses
(C) It is a waste of time as neither consumers nor companies bother to determine their validity
(D) It should be mandatorily incorporated in the satement of accounts of any firm.
(E) None of these
Ans : (B)

10. Which of the following cannot be said about small business ?
(1) During the recession their profits have been higher than those made by big corporates.
(2) They adopt fair labour practices and environment friendly methods of production.
(3) They have managed to acquire an investment of over 11 per cent of American capital.
(A) Only (1) and (3)
(B) Only (3)
(C) All (1), (2) and (3)
(D) Only (2)
(E) None of these
Ans : (B)

Directions—(Q. 11–13) Choose the word which is MOST SIMILAR in MEANING to the word printed in bold as used in the passage.
11. Ideals
(A) Models
(B) Visions
(C) Perfection
(D) Paradigms
(E) Values
Ans : (D)

12. Embraced
(A) Clinched
(B) Adopted
(C) Seized
(D) Hugged
(E) Encompassed
Ans : (B)

13. Attracts
(A) Appeals
(B) Encourages
(C) Captives
(D) Fascinates
(E) Pleases
Ans : (B)

Directions—(Q. 14-15) Choose the word which is MOST OPPOSITE in MEANING to the word printed in bold as used in the passage.

14. Enlightened
(A) Illiterate
(B) Inept
(C) Ignorant
(D) Illogical
(E) Immature
Ans : (C)

15. Heedless
(A) Prudent
(B) Obedient
(C) Observable
(D) Noticeable
(E) Wary
Ans : (A)

Directions—(Q. 16–20) Which of the phrases (A), (B), (C) and (D) given below should replace the phrase given in bold in the following sentence to make the sentence meaningful and grammatically correct. If the sentence is correct as it is and No correction is required, mark (E) as the answer.

16. This decision by the government making it easier for companies to attract talent from abroad.
(A) make easier
(B) has made easy
(C) will make it easy
(D) make it easier
(E) No correction required
Ans : (C)

17. We are currently facing an economic downturn and even a slight increase in demand will benefit to ourselves.
(A) has benefited ourselves
(B) will benefit from us
(C) we will benefit
(D) will be beneficial to us
(E) No correction required
Ans : (D)

18. Not like that the matter is going to be resolved in one meeting as the issue is quite complicated.
(A) mostly unlikely
(B) very unlike that
(C) unlikely how
(D) it is unlikely that
(E) No correction required
Ans : (D)

19. The next two months are going to be very hectic as there is more six projects have been scheduled.
(A) with six more
(B) as more than six
(C) still there are six other
(D) because there are still six
(E) No correction required
Ans : (B)

20. The workshop was jointly held by the two colleges to create awareness about various careers—
(A) has jointly held in
(B) will be joint holding
(C) was a joint holding for
(D) is been jointly held with
(E) No correction required
Ans : (E)

Directions—(Q. 21–25) Rearrange the following six sentences 1, 2, 3, 4, 5 and 6 in the proper sequence to form a meaningful paragraph; then answer the questions given below them—
1. With all the bid information being available and tracked online, corruption has been consid erably reduced.
2. Today, most i.e., over ninety-five percent households in the city enjoy a broadband connection.
3. All city contracts are now bid for online.
4. Over twenty years ago the city government, central government and the private sector made a concerted effort to shift the economy to include IT.
5. As our cities continue to expand and become more complex, such a system will make governance more manageable.
6. This level of connectedness has changed not only the city’s economy but also how it is governed and how business is conducted.

21. Which of the following should be the FIRST sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (D)

22. Which of the following should be the SECOND sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 6
Ans : (B)

23. Which of the following should be the THIRD sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
Ans : (E)

24. Which of the following should be the FIFTH sentence after rearrangement ?
(A) 1
(B) 2
(C) 3
(D) 4
(E) 5
Ans : (A)

25. Which of the following should be the LAST (SIXTH) sentence after rearrangement ?
(A) 2
(B) 3
(C) 4
(D) 5
(E) 6
Ans : (E)

Directions—(Q. 26–35) Read each sentence to find out whether there is any grammatical error or idiomatic error in it. The error, if any, will be in one part of the sentence. The letter of that part is the answer. If there is no error, the answer is (E). (Ignore errors of punctuation, if any.)

26. Some genuine issues exist (A) / with the newly adopted (B) / system and needs to (C) / be examined seriously. (D) No Error (E)
Ans : (C)

27. Whether or not to confront (A) / them about their role (B) / in the matter is a decision (C) / which is yet to take. (D) No Error (E)
Ans : (D)

28. The government is still in the (A) / process of finalised new policy (B) / guidelines for the allocation of land (C) / to private sector organisations. (D) No Error (E)
Ans : (B)

29. According to government estimates (A) / at least four million tonnes of sugar (B) / will have to be imported (C) / this year because of a poor monsoon. (D) No Error (E)
Ans : (D)

30. In our experience people usually (A) / value things that they have to (B) / pay off more than those that (C) / they receive free of cost. (D) No Error (E)
Ans : (C)

31. At present China is the (A) / world’s leader manufacturer (B) / of environment friendly products (C) / such as electric cars and bicycles. (D) No Error (E)
Ans : (B)

32. Over eighty per cent from us (A) / feel that if we had taken (B) / some corrective measures earlier (C) / the crisis could have been averted. (D) No Error (E)
Ans : (A)

33. The manager of that city branch (A) / cannot handle it with the help of (B) / only two personnel as (C) /business has increased substantially. (D) No Error (E)
Ans : (C)

34. With the literacy rates in this (A) / region as low as ten per cent (B) / we need to encourage the (C) / local people to build schools. (D) No Error (E)
Ans : (B)

35. While providing such facilities (A) / online makes it convenient (B) / and easily accessible for customers, (C) / we face several challenges. (D) No Error (E)
Ans : (C)

Directions—(Q. 36–40) In each question below a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four words printed in bold may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate, if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (E) i.e., ‘All correct’ as your answer.

36. The bank’s fluctuating (A) performance over the prior (B) year has been a major (C) cause (D) for concern. All correct (E)
Ans : (B)

37. An economy relies (A) on its access (B) to dependable (C) and affordable (D) sources of energy. All correct (E)
Ans : (E)

38. Researchers have used data prevalent (A) to manufacturing companies to illustrate (B) the harmful (C) impacts (D) of techonology on the environement. All correct (E)
Ans : (D)

39. Such a situation (A) is neither feasable (B) nor desirable (C) in a democratic country like ours. (D) All correct (E)
Ans : (B)

40. The gradual (A) withdrawal (B) of such safety (C) mechanisims (D) will affect small and medium industries the most. All correct (E)
Ans : (D)

Directions—(Q. 41–50) In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

The world’s climate has always changed and species have evolved accordingly to survive it. The surprising fact about the …(41)… between evolution and global warming …(42)… that it is not linear. …(43)… temperatures alone are not …(44)… of evolution. Evolution is also the …(45)… of seasonal changes. As the
environment …(46)… those species which don’t adapt …(47)… to exist. But the sheer …(48)… of manmade
climate change today is …(49)…. ‘Bad things are happening’ and by one …(50)… global warming could threaten upto one-third of the world’s species, if left unchecked. In fact a lot of the species which will be able to survive are the ones we con sider pests like insects and weeds.

41. (A) difference
(B) similarity
(C) argument
(D) relationship
(E) alliance
Ans : (D)

42. (A) being
(B) seems
(C) mainly
(D) besides
(E) is
Ans : (E)

43. (A) however
(B) mounted
(C) rising
(D) elevating
(E) inclining
Ans : (A)

44. (A) means
(B) triggers
(C) responses
(D) threats
(E) stimulus
Ans : (A)

45. (A) result
(B) precursor
(C) resistance
(D) cause
(E) provocation
Ans : (A)

46. (A) conserves
(B) stifles
(C) predicts
(D) changes
(E) emerges
Ans : (B)

47. (A) continue
(B) halt
(C) cease
(D) terminate
(E) discontinue
Ans : (C)

48. (A) luck
(B) value
(C) collapse
(D) pace
(E) attention
Ans : (D)

49. (A) threatened
(B) pursued
(C) unprecedented
(D) record
(E) debated
Ans : (C)

50. (A) forecast
(B) chance
(C) pattern
(D) occasion
(E) imagination
Ans : (A)