09/17/11 ~ WEFORWIN

State Bank of India Clerk Exam., General English : Solved Paper

Posted by Unknown on 10:18 AM

State Bank of India Clerk Exam.,General English : Solved Paper

Directions—(Q. 1–10) Read the following passage carefully and answer the questions

given below it. Certain words are printed in bold to help you to locate them while

answering some of the questions.

There was a girl who sang beautifully at the temple every morning. The music master

used to happily recall, “One day when I went into the woods to pluck flowers, I found

this baby under a pipal tree.” He picked her up carefully, raised her lovingly as if she

was his daughter and taught her to sing before she spoke her first word.

The music master grew old and didn't see too well. The girl tended to him caringly. Many

people including young men travelled from far and wide to hear her sing. This made the

music master's heart quake with fear. “You will choose one of them as your husband.

What is to become of me ?” The girl replied, “I shall not be apart from you.” But on a full

moon night during the harvest festival, the master's chief disciple touched his feet

reverently and said, “Master grant me your permission for your daughter has agreed to

marry me.” The master's tears flowed freely, “She has chosen well. Go and fetch her, let

me hear you sing the first of many melodies that you will sing together.” The two began

to sing in harmony. But the song was interrupted by the arrival of the royal messenger.

“Your daughter is very fortunate-the king has sent for her,” the messenger said. At the

palace the Queen summoned the girl to her and said, ”I place upon you the honour of

making sure my daughter is never unhappy at her husband's home.” There wasn't a single

tear in the girl's eyes but she thought of the master and her heart was heavy.

That very night the princess began her journey to Kambhoj. The princess's royal chariot

led the procession and the girl's palanquin followed close behind carrying trunks of silks,

jewellry and precious stones. It was covered with a velvet sheet and had soldiers on both

P a g e | 33

sides. As the procession passed, the master and his disciple Kumarsen stood still by the

wayside. A collective sigh escaped the crowd gathered there wishing that the princess

wouldn't feel homesick in her faraway home.

1. Which of the following can be said about the girl ?

(1) She was brought up by her father as her mother had died when she was a baby.

(2) She was a talented singer who had learnt to sing at an early age.

(3) She was only allowed to sing with the master's permission.

(A) Only (1)

(B) Both (1) and (2)

(D) All (1), (2) and (3)

(E) None of these

2. What was the girl's reaction to leaving home ?

(A) She was honoured to be serving the princess

(B) Sadness at leaving the master.

(D) She was thrilled to be living in luxury

(E) None of these

3. What task was entrusted to the girl by the Queen ?

(A) Seeing that her daughter reached Kambhoj safely

(B) Entertaining the princess on her journey to Kambhoj

(D) Ensuring the princess' happiness

(E) None of these

4. What was the master's reaction to the girl's decision to marry his disciple ?

(A) He was upset and cried

(B) He promised to give his permission if the couple sang well together

(D) He was pleased with her choice of husband

(E) None of these

5. Which of the following is not true in the context of the passage ?

(1) The girl was leaving the master and going to Kambhoj once she was married.

(2) The king sent for the girl because she was a good singer.

(3) The master did not let the girl study any other subject except music.

(A) Only (1)

(B) Both (1) and (2)

(D) Both (1) and (3)

(E) None of these

6. Why was the princess going on a journey ?

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(1) She was going to her prospective husband's home to get engaged.

(2) Her parents wanted her to visit the kingdom of which she would be the future queen.

(3) To take expensive gifts for the rulers of the Kambhoj who were well known to her

parents.

(A) None

(B) Only (2)

(D) Both (1) and (2)

(E) Both (2) and (3)

7. Why was the master afraid ?

(A) He felt the princess would treat the young girl unkindly

(B) He would be all alone after the girl's marriage

(D) He was slowly going blind.

(E) None of these

Directions—(Q. 8–9) Choose the word which is MOST NEARLY the SAME in

MEANING as the word printed in bold as used in the passage.

68. fortunate

(A) rich

(B) liked

(D) successful

(E) lucky

9. raised

(A) nurtured

(B) lifted

(D) built

(E) high

10. Choose the word which is most OPPOSITE in meaning of the word Collective as

used in the passage—

(A) alone

(B) separately

(D) partial

(E) single

Directions—(Q. 11–15) Read each sentence to find out whether there is any 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.)

P a g e | 35

11. In present the (A)/ prices of food grains (B)/ are high all (C)/ over the world. (D) No

error (E)

12. Majority of the banks (A)/ today uses technology (B)/ to reach out to those (C)/living

in rural areas. (D) No error (E)

13. I will give (A)/ you the advance (B)/ if you repay it as (C)/ soon as possibly. (D) No

error (E)

14. Though he is very (A)/ wealthy and powerful (B)/ he has any (C)/ concern for the

poor. (D) No error (E)

15. Mala has the (A)/ ability t o handle (B)/ many tasks at (C)/ the same time. (D) No

error (E)

Directions—(Q. 16–20) Which of the phrases (A), (B), (C) and (D) given below should

replace the phrases given in bold in the following sentences to make the sentence

grammatically meaningful and correct. If the sentence is correct as it is and No correction

is required, mark (E) as the answer.

16. Finding himself in financial difficulty, he came forward me for help and advice—

(A) came across

(B) is come upto

(D) comes with

(E) No correction required

17. Deepak having been over eighteen years of age, is entitled to vote—

(A) has been of

(B) being over

(D) who is been

(E) No correction required

18. The magazine that we subscribe to is published monthly—

(A) which is subscribed

(B) we are subscribed

(D) whichever we subscribe

(E) No correction required

19. Among of his many good qualities, that I remember is his honesty—

(A) All of his

(B) Some of the

(D) One of his

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(E) No correction required

20. Many of our clients have deposit of this foreign bank—

(A) have deposits in

(B) had deposited

(D) have deposited

(E) No correction required

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) The sailor was told it was placed there as warning signal to sailors to warn them of the

danger.

(2) He returned to the spot a few years later as captain of his own ship.

(3) The ship was at sea for many days and finally anchored near the coastline.

(4) The night was stormy and without a warning signal his ship was wrecked on that very

rock.

(5) One of the sailors on board saw a bell tied to a dangerous submerged rock.

(6) As a joke the sailor decided to steal the bell and hide it despite being informed of this.

21. Which of the following should be the FIRST sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

22. Which of the following should be the SECOND sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

23. Which of the following should be the THIRD sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

24. Which of the following should be the FIFTH sentence after rearrangement ?

(A) (1)

(B) (2)

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(D) (4)

(E) (5)

25. Which of the following should be the SIXTH (LAST) sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

Directions—(Q. 26–30) 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.

26. We have incurred (A) an expense (B) of over fifty thousands (C) this year alone.

(D) All correct (E)

27. World Earth Day is celeberated (A) as a means (B) to make people aware (C) about

the environment. (D) All correct (E)

28. The key issue (A) discused (B) at the meeting was how to resolve (C) the food crisis.

(D) All correct (E)

29. He deserves (A) some recognition (B) for working diligently (C) for the passed (D)

five years. All correct (E)

30. There are many employment (A) opportunities (B) for fresh graduates (C) in the

market (D) today. All correct (E)

Directions—(Q. 31–40) 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.

I had …(31)… to become a multipurpose manager. I took three steps to accomplish this.

First, I took very …(32)… part in professional associations. I …(33)… the National

President of the Indian Society for Training and Development–one of the …(34)…

organizations for HR professionals. This helped me to grow professionally. My

communication skills …(35)…. It also taught me …(36)… to conduct meetings in an

effective manner. My job …(37)… me to different parts of the country and I …(38)…

believe that …(39)… provided me with an education. I also wrote a lot. Newspaper

editors often approached me with …(40)… to write articles for their publications.

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31. (A) achieved

(B) aim

(D) dreamed

(E) wanted

32. (A) selected

(B) active

(D) often

(E) joint

33. (A) elected

(B) voted

(D) applied

(E) decided

34. (A) respected

(B) status

(D) aged

(E) common

35. (A) lacked

(B) grown

(D) improved

(E) earned

36. (A) that

(B) why

(D) never

(E) anyhow

37. (A) saw

(B) showed

(D) discovered

(E) took

38. (A) quiet

(B) firmly

(D) first

P a g e | 39

(E) not

39. (A) travelling

(B) journey

(D) migrating

(E) shift

40. (A) wish

(B) offer

(D) requests

(E) commands

===========================================

Answers with Explanations

1. (C) 2. (B) 3. (D) 4. (E) 5. (B)

6. (A) 7. (B) 8. (E) 9. (B) 10. (A)

11. (A) Write ‘At’ in place of ‘In’.

12. (B) Write ‘use’.

13. (D) Write ‘possible’.

14. (C) Write ‘no’ in place of ‘any’.

15. (E) 16. (C) 17. (E) 18. (E) 19. (D)

20. (A) 21. (C) 22. (E) 23. (A) 24. (D)

25. (B)

26. (C) Write change ‘thousands’ to ‘thousand’.

27. (A) Write ‘celebrated’.

28. (B) Write ‘discussed’.

29. (D) Write ‘past’.

30. (E) 31. (E) 32. (B) 33. (C) 34. (A)

35. (D) 36. (C) 37. (E) 38. (B) 39. (A)

40. (D)

Union Bank of India Probationary Officers Exam., English Language : Solved Paper

Posted by Unknown on 10:14 AM

Union Bank of India Probationary

Officers Exam.,

English Language : Solved Paper

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.

Over the past few decades, many Asian nations transformed from poverty into global

competitors. From 2003 to 2007, Asian economies expanded at an average annual rate of

8•1%, triple that of advanced economies. Over the same period, inflation in Asia

averaged only about 3•5%. But Asia could be facing turbulent economic times. In May,

the average inflation rate throughout the region reached nearly 7%, led by spikes in oil

and food prices. In India, inflation jumped to an 11•6% annual rate in June, according to

the latest government figures, the highest in 13 years.

Policymakers and central bankers are forced to raise interest rates and limit credit to get

inflation under control. But these same measures suppress the investment and

consumption that generates growth. The combination of slowing growth and soaring

inflation makes economic policy-making tricky. Inflation stirs up the middle classes

P a g e | 23

because it can quickly erase years of hardwon personal gains. Inflation is cruel to the

poor, because families have to spend a larger share of their meagre incomes on

necessities. In the Philippines, farmers, unable to afford fuel for tractors, use water

buffaloes to plough their fields.

But to avoid unrest, leaders cannot blindly adopt rigid anti-inflation measures. Voters

won’t hesitate to remove from office any politician who doesn’t deliver the goods. So

they cannot overreact to the inflation threat and scale down economic growth in the

process. Developing nations need to grow quickly to create jobs and increase incomes for

their large populations. With prices soaring, doing nothing is not an option. Most central

banks in Asia have started raising interest rates. The Reserve Bank of India increased its

benchmark rate twice last month to a six year high of 8•5%.

The challenge is especially difficult because currently, inflation is not of domestic origin.

Prices are being driven higher by a global surge in oil and food prices, which individual

governments can do little to control. Of course, inflation is not just a problem in Asia.

World Bank President Robert Zoellick called rising food and oil prices a man-made

‘catastrophe’ that could quickly reverse the gains made in overcoming poverty over the

past seven years. For now, though, there is more talk than action on the international

front, so Asian governments are on their own.

Even though inflation throughout the region is likely to continue to rise in coming

months, no one is expecting an economic calamity. According to the Asian Development

Bank Asian countries have large hard currency reserves and relatively healthy banks, and

so are far better prepared to absorb external shocks than they were during the region’s

last recession ten years ago. Asian policymakers have learned their lessons and are more

alert.

1. Which of the following can be said about Asian economies during the period from

2003- 2007 ?

1. Though inflation was rising at the time politicians did not pay much attention.

2. Many of the poor countries were able to compete internationally.

3. The growth rate of Asian countries was facilitated by growth in advanced countries.

(A) All 1, 2, and 3

(B) Only 1

(D) Both 1 and 2

(E) None of these

2. Which of the following is not an anti-inflation measure being used by Asian countries

1. Increase in benchmark interest rate by a central bank.

2. Checks on lending.

3. Subsidising fuel for farmers.

(A) Only 3

(B) Both 1 and 2

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(D) Only 2

(E) None of these

3. What makes it difficult for Asian countries to control inflation ?

(A) Restrictions by organizations like the Asian Development Bank

(B) Governments are indecisive and adopt counterproductive measures

(D) Countries have never faced a financial crisis

(E) Economic growth rate cannot occur in the absence of inflation

4. Why are experts not very concerned about the impact of inflation on Asian economies

1. Asian countries have not maintained substantial hard currency reserves.

2. The condition of Asian banks is currently both stable and strong.

3. The Asian Development Bank will bail them out of any trouble.

(A) Only 1

(B) Both 1 and 3

(D) Only 2

(E) None of these

5. What is the author’s advice to politicians regarding the handling of inflation ?

(A) They should focus on preventing agitations among their citizens not implementing

antiinflation measures

(B) They ought to implement anti-inflation measures even at the cost of losing office

on its own

(D) Countries should handle the problem independently and not collectively

(E) None of these

6. What could the impact of stringent inflation measures be ?

(A) Increased consumption as families spend a larger part of their income on essential

goods

(B) Politicians may be voted out of power

(D) Oil prices within the country remain stable despite high global prices

(E) None of these

7. Why is high economic growth necessary for developing countries ?

(A) To catch up with the growth rate of the advanced countries

(B) To sustain their economies despite the ill effects of inflation

(D) To create employment opportunities for citizens

(E) None of these

P a g e | 25

8. Why has inflation been referred to as a ‘catastrophe’ ?

(A) Prices of essential commodities are unaffordable for all

(B) Our past efforts to reduce poverty will be nullified

(D) It has divided countries rather than ensuring co-operation among them

(E) None of these

9. Which of the following can be inferred from the passage ?

1. Growth rate in advanced countries was low so the effects of inflation were not felt.

2. Closing the economy to global markets will reduce inflation.

3. India has been the most severely affected by inflation.

(A) None

(B) Only 1

(D) Both 2 and 3

(E) All 1, 2 and 3

10. Which of the following factors was responsible for inflation in India ?

(A) Reserve Bank India raising the interest rates very frequently

(B) High population growth

(D) Reckless competition with China

(E) None of these

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. stirs

(A) trembles

(B) moves

(D) inspires

(E) agitates

12. scale

(A) descent

(B) climb

(D) cut

(E) measure

13. origin

(A) ancestry

(B) source

(D) down

P a g e | 26

(E) heritage

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. turbulent

(A) quiet

(B) rest

(D) stormy

(E) lawful

15. gains

(A) decreases

(B) fails

(D) frauds

(E) losses

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 sentences to make the sentence

grammatically meaningful and correct. If the sentence is correct as it is and ‘No

correction is required’, mark (E) as the answer.

16. The main objective of the workshop has made children aware of Western classical

music.

(A) will make children aware

(B) is to make children aware

(D) awareness of children

(E) No correction required

17. Afraid of missing her train and was late for the meeting, Sunita arrived an hour early

at the station.

(A) but later for

(B) and been late to

(D) and being late for

(E) No correction required

18. As a famous historian he has travelled around the world giving lectures on rare

subjects.

(A) rarely to subjects

(B) of rare subject

(D) in subjects rarely

P a g e | 27

(E) No correction required

19. The stadium wherever the opening ceremony will be held next month, is equipped

with the latest facilities.

(A) in the opening ceremony

(B) which the ceremony will open

(D) that the opening ceremony

(E) No correction required

20. There will be a trend of unseasonal rainfall in April, in recent years.

(A) There has been

(B) It has been

(D) It may have been

(E) No correction required

Directions—(Q. 21–25) In each of the following sentences there are two blank spaces.

Below each five pairs of words have been denoted by letters (A), (B), (C), (D) and (E).

Find out which pair of words can be filled up in the blanks in the sentence in the same

sequence to make the sentence meaningfully complete.

21. A committee has been…………..to…………..the transformation of the city into an

international finance centre.

(A) constituted, convert

(B) appointed, oversee

(D) inducted, change

(E) inaugurated, determine

22. Keeping in mind the…………..to develop the sector the government has…………..

solicited foreign investment.

(A) importance, never

(B) proposal, forcibly

(D) view, discretely

(E) need, actively

23. In his speech he vowed to…………..the four billion unbanked individuals across the

world into the…………..of financial inclusion.

(A) represent, sphere

(B) target, area

(D) engage, achievement

(E) convince, era

P a g e | 28

24. Although he puts in…………..of overtime and takes few holidays,

he…………..cannot support his family.

(A) sufficient, however

(B) lot, besides

(D) plenty, still

(E) frequency, yet

25. They have been…………..on incentives to…………..these practices are implemented

at grass root level.

(A) relying, ensure

(B) improving, secure

(D) debating, necessitate

(E) focusing, display

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. It was a cycling race launched in 1903, by Henri Desgrange, a magazine editor in

Paris.

2. The Tour de France is a test of human endurance.

3. His idea worked and the magazine boomed.

4. His aim was to boost the circulation of his magazine.

5. He wanted to achieve this by covering every stage of the three week long, 3,500

kilometre long cycling race.

6. Till today the race remains more popular than he could ever have dreamed.

26. Which of the following should be the first sentence after rearrangement ?

(A) 1

(B) 2

(D) 4

(E) 5

27. Which of the following should be the second sentence after rearrangement ?

(A) 1

(B) 2

(D) 4

(E) 5

28. Which of the following should be the third sentence after rearrangement ?

(A) 1

(B) 2

P a g e | 29

(D) 4

(E) 5

29. Which of the following should be the fifth sentence after rearrangement ?

(A) 1

(B) 2

(D) 4

(E) 6

30. Which of the following should be the sixth (Last) sentence after rearrangement ?

(A) 2

(B) 3

(D) 5

(E) 6

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

letters of that part is the answer. If there is no error, the answer is (E). (Ignore errors of

punctuation, if any.)

31. On account of the week (A) / long strike the factory (B) / was forced to close and (C)

/ next month’s shipment will delay. (D) No error. (E)

32. Since the US economy experiences (A) / a recession many Asian countries (B) / are

likely to have (C) / reduced growth rates this year. (D) No error. (E)

33. Oil is now so expensive that (A) / India will have to cut subsidies (B) / instead face

running out (C) / of funds to import oil. (D) No error. (E)

34. It is unlikely that you will (A) / find a more qualified and experience (B) / candidate

than Mr. Prasad (C) / for the post of President. (D) No error. (E)

35. On account of the rising (A) / costs many people are (B) / finding it difficult (C) / to

feed their families. (D) No error. (E)

36. By marketing agriculture (A) / products well, we (B) / can ensure that (C) / farmers

make a good profit. (D) No error. (E)

37. The promotion means (A) /that you may be (B) / post in Chennai (C) / from next

month. (D) No error. (E)

38. This project is (A) / too big to (B) / undertake successfully at (C) / such short of

notice. (D) No error. (E)

P a g e | 30

39. When our company was (A) / faced financial difficulties (B) / the training budget was

40. Conservationists believe that (A)/better management of national parks (B)/is the only

way to save (C)/India’s tiger population from extinction. (D) No error. (E)

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.

In July 2008, one of the most inspiring leaders of our times, will …(41)… his ninetieth

birthday. Nelson Mandela retired from politics in 1999, but he has remained …(42)…,

continuing his work through the Nelson Mandela Foundation. The foundation has

launched an Aids awareness campaign, 46664, named …(43)… Mandela’s prison

number. He has also set up a scholarship programme whose …(44)… was to promote

leadership among young Africans.

During the 1990s, …(45)… I worked with Mr. Mandela on his autobiography “Long

Walk to Freedom”, I …(46)… his leadership first hand. During his election campaign we

were on board a plane discussing his book. Twenty minutes …(47)… to landing the

engine failed. Many began to panic. The only thing that …(48)… them was looking at

Mandela, who was reading his paper as if he was a passenger on a morning train to work.

The plane landed safely and when we got into the car taking us to the hotel he …(49)…

to me, “I was terrified on the plane !” As a leader he realized he was a model for others

and this gave him the strength to …(50)… over his own fear.

41. (A) tribute

(B) remember

(D) celebrate

(E) rejoice

42. (A) resigned

(B) active

(D) participant

(E) reserved

43. (A) by

(B) with

(D) as

(E) thereafter

44. (A) wish

P a g e | 31

(B) pursuit

(D) plot

(E) aim

45. (A) when

(B) that

(D) later

(E) alongside

46. (A) felt

(B) acquainted

(D) underwent

(E) learned

47. (A) before

(B) sooner

(D) prior

(E) advance

48. (A) calmed

(B) soothing

(D) restraint

(E) discipline

49. (A) speaks

(B) confided

(D) entrusted

(E) assured

50. (A) success

(B) overcame

(D) victory

(E) triumph

==============================================================

Answers :

1. (E) 2. (C) 3. (C) 4. (D) 5. (C)

6. (B) 7. (B) 8. (B) 9. (D) 10. (C)

11. (E) 12. (D) 13. (B) 14. (A) 15. (E)

16. (B) 17. (D) 18. (E) 19. (C) 20. (A)

21. (B) 22. (E) 23. (B) 24. (D) 25. (A)

26. (B) 27. (A) 28. (D) 29. (C) 30. (E)

31. (D) 32. (A) 33. (C) 34. (B) 35. (E)

36. (A) 37. (C) 38. (C) 39. (B) 40. (E)

41. (D) 42. (B) 43. (C) 44. (E) 45. (A)

46. (C) 47. (D) 48. (A) 49. (B) 50. (E)

General English : Solved Paper State Bank of India Clerk Exam.,

Posted by Unknown on 10:11 AM

State Bank of India Clerk Exam.,

General English : Solved Paper

Directions—(Q. 41–50) Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you to locate them while answering some of the questions. The yearly festival was close at hand. The store room was packed with silk fabrics. gold ornaments, clay bowls full of sweet curd and platefuls of sweetmeats. The orders had been placed with shops well in advance. The mother was sending out gifts to everyone. The eldest son, a government servant, lived with his wife and children in far off lands. The second son had left home at an early age. As a merchant he travelled all over the

world. The other sons had split up over petty squabbles, and they now lived in homes of their own. The relatives were spread all across the world. They rarely visited. The youngest son, left in the company of a servant, was soon bored and stood at the door all day long, waiting and watching. His mother, thrilled and excited, loaded the presents on trays and plates, covered them with colourful kerchiefs, and sent them off with maids and servants. The neighbours looked on. The day came to an end. All the presents had been sent off.

The child came back into the house and dejectedly said to his mother, “Maa, you gave a present to everyone, but you didn’t give me anything !” His mother laughed, “I have given all the gifts away to everyone, now see what’s left for you.” She kissed him on the forehead. The child said in a tearful voice, “Don’t I get a gift ?” “You’ll get it when you go far away.” “But when I am close to you, don’t I get something from your own hands ?” His mother reached out her arms and drew him to her. “This is all I have in my own hands. It is the most precious of all.”

41. Why did the woman's second son travel ?

(A) He was restless by nature

(B) He did not want to stay at home

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(D) His job was such that he had to travel

(E) None of these

42. Why did the woman’s eldest son not attend the festival ?

(A) He was not on good terms with his youngest brother who lived at home

(B) He had quarrelled with his mother

(D) His job prevented him from taking leave

(E) None of these

43. How did the woman prepare for the festival ?

1. She bought expensive gifts for her children and neighbours.

2. She ordered her servants to prepare sweets and food well in advance.

3. She made sure that her youngest child was looked after so that he wouldn’t be bored.

(A) None

(B) Only 1

(D) Both 1 and 2

(E) All 1, 2 and 3

44. What did the youngest child do while his mother was busy ?

1. He waited for a chance to steal some sweetmeats.

2. He pestered his mother to give him a present.

3. He stood at the door with servants.

(A) Only 1

(B) Only 2

(D) Only 3

(E) None of these

45. Which of the following can be said about the woman ?

(A) She was a widow who had brought up her children single handedly

(B) She was not a good mother since her children had left home at an early age

(D) She gave expensive presents to show that she was wealthy

(E) She rarely visited her grand-children because they all lived abroad

46. What did the boy receive from his mother ?

(A) She taught him the value of patience

(B) She encouraged him to grow up and live independently like his brothers

(D) She gave him a hug to express her love

(E) None of these

47. Which of the following is TRUE in the context of the passage ?

(A) The woman usually ignored her youngest son

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(B) The woman’s eldest son lived abroad

(D) The woman made all the preparations herself since she did not want to burden the

servants

(E) The woman sent gifts to her children to ensure that they visited her

Directions—(Q. 48–49) Choose the word which is most nearly the SAME in meaning as

the word printed in bold as used in the passage.

48. Left

(A) Gone

(B) Quit

(D) Disappeared

(E) Forgot

49. Packed

(A) Filled

(B) Squeezed

(D) Collected

(E) Untidy

50. Choose the word which is most OPPOSITE in meaning of the word dejectedly as

used in the passage.

(A) Calmly

(B) Happily

(D) Fortunately

(E) Softly

Directions—(Q. 51–55) Read each sentence to find out whether there is any 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)

51. Many multinational companies (A) / have not been as (B) /successful in India (C)

/than we expected. (D) No error (E)

52. He has ruined (A) /his eyesight (B) /by not using (C) /his spectacles regularly. (D) No

error (E)

53. Mostly of the (A) /newly recruited officers (B) /have no experience (C) /in the

banking sector. (D) No error (E)

54. The resignation of (A) /one of our directors (B) /have caused the price (C) / of shares

to fall. (D) No error (E)

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55. There are many (A) /ways of which (B) /inflation can (C) /be measured. (D) No error

(E)

Directions—(Q. 56–60) 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

grammatically meaningful and correct. If the sentence is correct as it is and ‘No

correction is required.’ mark (E) as the answer.

56. Each of the loan must be approved by the Branch Manager—

(A) Every loan

(B) Each one of the loan

(D) All of the loan

(E) No correction required

57. The issue was taken before the Municipal Corporation meeting last week—

(A) Taking place at

(B) Taken after

(D) Taken up at

(E) No correction required

58. He has asked for the names of those employees involved in the project.

(A) had asked

(B) having asked about

(D) is asking

(E) no correction required

59. Considerate the traffic, it is better to leave for the airport an hour early—

(A) While considering

(B) Consideration of

(D) Being considerate to

(E) No correction required

60. He is a good leader, knowing that to motivate his employees to achieve—

(A) That known when

(B) Who knows how

(D) Knowing what

(E) No correction required

Directions—(Q. 61–65) 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

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given below them.

(1) The able bodied men of the tribe gathered to discuss how to climb the mountain.

(2) As part of their plundering they kidnapped a baby of one of the families.

(3) One day the mountain tribe invaded those living in the valley.

(4) “We couldn’t climb the mountain. How could you?”, they asked, “It wasn’t your baby

!” she replied.

(5) There were two tribes in the Andes–one lived in the valley and the other high up in

the mountains.

(6) Two days later they noticed the child’s mother coming down the mountain that they

hadn’t yet figured out how to climb.

61. Which of the following should be the SECOND sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

62. Which of the following should be the FIFTH sentence after rearrangement ?

(A) (6)

(B) (5)

(D) (3)

(E) (2)

63. Which of the following should be the FIRST sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

64. Which of the following should be the SIXTH (LAST) sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

65. Which of the following should be the THIRD sentence after rearrangement ?

(A) (1)

(B) (2)

(D) (4)

(E) (5)

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Directions—(Q. 66–70) In each question below a sentence with four words printed in

bold type is given. These are lettered (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.

66. The income (A) of many people in rural (B) India is not adequate (C) to satisfy (D)

their basic needs. All correct (E)

67. He is always (A) prompt (B) in caring (C) out instructions. (D) All correct (E)

68. The revized (A) rates (B) of interest will be effective (C) immediately. (D) All

correct (E)

69. Such transactions (A) are quiet (B) expensive (C) and time consuming (D) for

customers. All correct (E)

70. The guidelines (A) of the new scheme (B) are expected (C) to be finally (D) soon.

All correct (E)

Directions—(Q. 71–80) 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/

phrases are suggested one of which fits the blank appropriately. Find out the appropriate

word in each case.

I used to look …(71)… to the holidays. I was usually …(72)… to my uncle’s house

where I …(73)… his children. I did not get paid a salary for …(74)… What I received in

return however, was far more …(75)… My uncle was an avid reader. During the time I

spent with his family I had an …(76)… to read the vast amount of books and magazines

that he possessed. This improved my English to some …(77)… Reading became my new

…(78–79)… spending my pocket money on a ticket to the cinema I began to …(80)…

books. This has benefited me greatly.

71. (A) forward

(B) towards

(D) up

(E) around

72. (A) went

(B) sent

(D) travelled

(E) gone

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73. (A) cared

(B) occupy

(D) taught

(E) played

74. (A) them

(B) whom

(D) now

(E) which

75. (A) expensive

(B) deserving

(D) demanding

(E) valuable

76. (A) opportunity

(B) ability

(D) encouragement

(E) achievement

77. (A) distance

(B) extent

(D) limits

(E) degrees

78. (A) activity

(B) hope

(D) duty

(E) worship

79. (A) despite

(B) though

(D) instead of

(E) while

80. (A) sell

(B) read

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(D) invest

(E) buy

==================================================================

Answers:

41. (D) 42. (E) 43. (A) 44. (D)

45. (C) 46. (D) 47. (B)

48. (C) 49. (A) 50. (C)

51. (D) Replace ‘than’ with ‘as’.

52. (E)

53. (A) Change ‘Mostly’ to ‘Most’.

54. (C) Change ‘have’ to ‘has’.

55. (B) Replace ‘of’ with ‘in’.

56. (A) 57. (D) 58. (E) 59. (C) 60. (B)

61. (C) 62. (A) 63. (E) 64. (D) 65. (B)

66. (E) 67. (C) 68. (A) 69. (E) 70. (D)

71. (A) 72. (B) 73. (D) 74. (C) 75. (E)

76. (A) 77. (B) 78. (C) 79. (D) 80. (E)

Reasoning : Solved Paper Union Bank of India ProbationaryOfficers Exam.

Posted by Unknown on 10:07 AM

Union Bank of India ProbationaryOfficers Exam., 2008
Reasoning : Solved Paper
(Held on 7-9-2008)

1. How many such pairs of letters are there in the word GUARDIAN each of which has
as many letters between them in the word as in the English alphabet ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
2. Four of the following five are alike in a certain way and so form a group. Which is the
onethat does not belong to that group ?
(A) 19
(B) 17
(C) 23
(D) 29
(E) 27
3. How many meaningful English words can be made with the letters TEBI using each
letter only once in each word ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
4. In a certain code LONG is written as 5123 and GEAR is written as 3748. How is
LANE written in that code ?
(A) 5427
(B) 5247
(C) 5847
(D) 5237
(E) None of these
5. ‘BD’ is related to ‘EG’ and ‘MO’ is related to ‘PR’ in the same way as ‘FH’ is related
to ……….
(A) JM
(B) IL
(C) JL
(D) IK
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(E) None of these
6. How many such digits are there in the number 58674139 each of which is as far away
from the beginning of the number as when the digits within the number are rearranged in
descending order ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
7. In a certain code BREAKDOWN is written as BFSCJMVNC. How is ORGANISED
written in that code ?
(A) PSHBMCDRH
(B) BHSPMCDRH
(C) BHSPOCDRH
(D) BHSPNHRDC
(E) None of these
8. In a certain code language ‘pik da pa’ means ‘where are you’; ‘da na ja’ means ‘you
may come’ and ‘na ka sa’ means ‘he may go’, which of the following means ‘come’ in
that code language ?
(A) da
(B) ja
(C) na
(D) Cannot be determined
(E) None of these
9. Four of the following five are alike in a certain way and so form a group. Which is the
one that does not belong to that group ?
(A) Copper
(B) Iron
(C) Aluminium
(D) Zinc
(E) Steel
10. What should come next in the following number series ?
9 8 9 8 7 9 8 7 6 9 8 7 6 5 9 8 7 6 5 4 9 8 7 6 5
(A) 3
(B) 4
(C) 2
(D) 1
(E) None of these
11. Which of the following is the middle digit of the second highest among the following
five numbers ?
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254 319 963 842 697
(A) 5
(B) 1
(C) 6
(D) 4
(E) 9
12. Meeta correctly remembers that her father’s birthday is after 8th July but before 12th
July. Her brother correctly remembers that their father’s birthday is after 10th July but
before 15th July. On which day of July was definitely their father’s birthday ?
(A) 10th
(B) 11th
(C) 10th or 11th
(D) Cannot be determined
(E) None of these
13. In a class of 50 students M is eighth from top. H is 20th from bottom. How many
students are there between M and H ?
(A) 22
(B) 23
(C) 24
(D) Cannot be determined
(E) None of these
14. Among A, B, C, D and F each scoring different marks in the annual examination, D
scored less than only F among them. B scored more than A and C but less than D. Who
among them scored least marks among them ?
(A) A
(B) C
(C) B
(D) Data inadequate
(E) None of these
15. Four of the following five are alike in a certain way and so form a group. Which is
the one that does not belong to that group ?
(A) B D F
(B) V X Z
(C) F I K
(D) M O Q
(E) L N P
Directions—(Q. 16-22) In each question below are three statements followed by two
conclusions numbered I and II. You have to take the three given statements to be true
even if they seem to be at variance from commonly known facts and then decide which of
the given conclusions logically follows from the three statements disregarding commonly
known facts. Give answers :
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(A) If only conclusion I follows.
(B) If only conclusion II follows.
(C) If either conclusion I or II follows.
(D) If neither conclusion I nor II follows.
(E) If both conclusions I and II follow.
16. Statements :
Some desks are tents.
Some tents are rivers.
All rivers are ponds.
Conclusions :
I. Some ponds are tents.
II. Some ponds are desks.
17. Statements :
All chair are pens.
Some pens are knives.
All knives are rats.
Conclusions :
I. Some rats are chairs.
II. Some rats are pens.
18. Statements :
Some forests are huts.
Some huts are walls.
Some walls are nets.
Conclusions :
I. Some nets are forests.
II. Some nets are huts.
19. Statements :
All tables are windows.
All windows are rooms.
All rooms are buses.
Conclusions :
I. Some buses are tables.
II. Some rooms are tables.
20. Statements :
Some trees are boxes.
All boxes are bricks.
All bricks are dogs.
Conclusions :
I. Some dogs are trees.
II. Some bricks are trees.
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21. Statements :
All goats are flowers.
No flower is branch.
Some branches are roots.
Conclusions :
I. Some roots are goats.
II. No root is goat.
22. Statements :
All pots are rings.
All bangles are rings.
All rings are paints.
Conclusions :
I. Some paints are pots.
II. Some bangles are paints.
Directions—(Q. 23-29) Study the following arrangement carefully and answer the
questions given below—
B # A R 5 8 E % M F 4 J 1 U @ H 2 © 9 T I 6 * W 3 P # K 7 $ Y
23. Which of the following is the twelfth to the left of the twentieth from the left end of
the above arrangement ?
(A) %
(B) W
(C) $
(D) J
(E) None of these
24. How many such numbers are there in the above arrangement each of which is
immediately preceded by a consonant and also immediately followed by a symbol ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
25. How many such symbols are there in the above arrangement each of which is
immediately preceded by a letter and also immediately followed by a number ?
(A) None
(B) One
(C) Two
(D) Three
(E) More than three
26. How many such consonants are there in the above arrangement each of which is
immediately preceded by a consonant and also immediately followed by a number ?
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(A) None
(B) One
(C) Two
(D) Three
(E) More than three
27. If all the numbers in the above arrangement are dropped, which of the following will
be the eleventh from the right end ?
(A) U
(B) T
(C) F
(D) H
(E) None of these
28. How many such vowels are there in the above arrangement each of which is either
immediately preceded by a symbol or immediately followed by a symbol or both ?
(A) None
(B) One
(C) Two
(D) Three
(E) Four
29. Four of the following are alike in a certain way based on their positions in the above
arrangement and so form a group. Which is the one that does not belong to that group ?
(A) 1 @ 4
(B) © T H
(C) W P 6
(D) # 7 3
(E) 9 2 I
Directions (Q. 30–36)—In each question below is given a group of digits/symbols
followed by four combinations of letters lettered (A), (B), (C) and (D). You have to find
out which of the combinations correctly represents the group of digits/symbols based on
the following letter coding system and mark the letter of that combination as the answer.
If none of the letter combinations correctly represents the group of digits/ symbols, mark
(E) i.e. ‘None of these’ as the answer.
Digit/Symbol :
4 % 3 9 $ 1 8 @ © 2 # 5 6 * 7 d
Letter Code :
P M I T R Q J F H A E U N B G L
Conditions :
(i) If the first element in the group is a symbol and the last element is a digit, the codes
are to be interchanged.
(ii) If the first element in the group is a digit and the last element is a symbol both are to
be coded as the code for the digit.
(iii) If both the first and the last elements are even digits both are to be coded as ‘X’.
P a g e | 7
(iv) If both the first and the last elements are odd digits, both are to be coded as ‘Y’.
30. 4%@93*
(A) PMFTIB
(B) PMFTIP
(C) BMFTIB
(D) XMFTIX
(E) None of these
31. $1896©
(A) RQJTNH
(B) HQJTNR
(C) RQJTNR
(D) YQJTNY
(E) None of these
32. 2*#836
(A) YBEJIY
(B) ABEJIN
(C) NBEJIA
(D) XBEJIX
(E) None of these
33. 8732@9
(A) TGIAFJ
(B) YGIAFY
(C) JGIAFT
(D) XGIAFX
(E) None of these
34. 7#$%35
(A) GERMIU
(B) UERMIG
(C) GERMIG
(D) XERMIX
(E) None of these
35. 931%©d
(A) TIQMHL
(B) LIQMHT
(C) LIQMHL
(D) TIQMHT
(E) None of these
36. 46*389
(A) PNBIJT
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(B) XNBIJX
(C) TNBIJP
(D) PNBIJP
(E) None of these
Directions—(Q. 37–43) In the following questions, the symbols @, ©, %, $ and d are
used with the following meanings illustrated.
‘P % Q’ means ‘P is greater than Q’.
‘P d Q’ means ‘P is neither greater than nor smaller than Q’.
‘P @ Q’ means ‘P is smaller than Q’.
‘P © Q’ means ‘P is either smaller than or equal to Q’.
‘P $ Q’ means ‘P is either greater than or equal to Q’.
In each of the following questions assuming the given statements to be true, find out
which of the two conclusions I and II given below them is/are definitely true. Give
answers :
(A) If only conclusion I is true.
(B) If only conclusion II is true.
(C) If either conclusion I or conclusion II is true.
(D) If neither conclusion I nor conclusion II is true.
(E) If both conclusions I and II are true.
37. Statements : M @ J, J © R, R d K
Conclusions : I. K d J
II. K % J
38. Statements : N $ T, T d H, N @ W
Conclusions : I. W % T
II. H © N
39. Statements : F @ R, R © V, V $ T
Conclusions : I. V % F
II. F @ T
40. Statements : W © D, D $ B, B @ H
Conclusions : I. H % D
II. W @ B
41. Statements : F d T, T $ M, M © R
Conclusions : I. R $ F
II. M © F
42. Statements : H $ N, N % R, R @ J
Conclusions : I. R @ H
II. J % H
P a g e | 9
43. Statements : V % B, B $ D, D © E
Conclusions : I. E d B
II. D @ V
Directions—(Q. 44–49) Study the following information and answer the questions given
below—
M, N, P, R, T, W, F and H are sitting around a circle facing at the centre. P is third to the
left of M and second to the right of T. N is second to the right of P. R is second to the
right of W who is second to the right of M. F is not an immediate neighbour of P.
44. Who is to the immediate right of P ?
(A) H
(B) F
(C) R
(D) Data inadequate
(E) None of these
45. Who is to the immediate right of H ?
(A) R
(B) F
(C) M
(D) Data inadequate
(E) None of these
46. Who is to the immediate left of R?
(A) P
(B) H
(C) W
(D) T
(E) Data inadequate
47. Who is third to the right of H ?
(A) T
(B) W
(C) R
(D) F
(E) Data inadequate
48. Who is second to the right of F ?
(A) M
(B) R
(C) T
(D) Data inadequate
(E) None of these
49. In which of the following is the first person sitting in between the second and the
P a g e | 10
third person ?
(A) NHM
(B) PHN
(C) TRP
(D) TWF
(E) None of these
Directions—(Q. 50–55) In each of the following questions, two rows of numbers are
given. The resultant number in each row is to be worked out separately based on the
following rules and the questions below the rows of numbers are to be answered. The
operations of numbers progress from the left to the right.
Rules :
(i) If an odd number is followed by another composite odd number, they are to be added.
(ii) If an even number is followed by an odd number they are to be added.
(iii) If an even number is followed by a number which is the perfect square, the even
number is to be subtracted from the perfect square.
(iv) If an odd number is followed by a prime odd number, the first number is to be
divided by the second number.
(v) If an odd number is followed by an even number the second one is to be subtracted
from the first number.
50. 15 8 21
p 3 27
If ‘p’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 58
(B) 76
(C) 27
(D) 82
(E) None of these
51. 12 64 17
20 m 16
If ‘m’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 69
(B) 85
(C) 101
(D) 121
(E) None of these
52. 85 17 35
16 19 r
If ‘r’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 175
(B) – 5
(C) 75
(D) 210
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(E) None of these
53. 24 15 3
d 6 15
If ‘d’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 37
(B) 8
(C) 22
(D) 29
(E) None of these
54. 28 49 15
h 3 12
If ‘h’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 13
(B) 15
(C) 19
(D) 27
(E) None of these
55. 36 15 3
12 3 n
If ‘n’ is the resultant of the first row, what will be the resultant of the second row ?
(A) 15 / 17
(B) 32
(C) 12 / 17
(D) 36
(E) None of these
Directions—(Q. 56–60) Below in each question are given two statements I and II. These
statements may be either independent causes or may be effects of independent causes or a
common cause. One of these statements may be the effect of the other statement. Read
both the statements and decide which of the following answer choice correctly depicts the
relationship between these two statements. Mark answers :
(A) If statement I is the cause and statement II is its effect.
(B) If statement II is the cause and statement I is effect.
(C) If both the statements I and II are independent causes.
(D) If both the statements I and II are effects of independent causes.
(E) If both the statements I and II are effects of some common cause.
56. I. This year, the cut off percentage for admission to junior colleges have increased
over the last year.
II. This year performance of students in Xth final exam was considerably higher than the
previous year.
57. I. The conditions of most of the national highways are very bad.
P a g e | 12
II. Govt. has now sanctioned a huge amount of money to maintain the national highways.
58. I. Many students of the local school have failed in English Language paper in the
annual examination.
II. Many students of the local school have failed in Mathematics paper in the annual
examination.
59. I. Rain and thunder showers bashed the city during the past three days.
II. Many people stayed indoor during the past three days.
60. I. There has been a considerable increase in the sale of fat free food articles.
II. Now people have become more conscious about their health condition and food
habits.

==============================================================
Answers with Hints
1. (D)
2. (E) All the rest are prime numbers.
3. (B) B I T E
4. (A) 5. (D) 6. (C) 7. (B) 8. (B)
9. (E) All the rest are pure metals.
10. (B) 98 987 9876 98765 987654 98765 4
11. (D) 963, 8 4 2, 697, 319, 254
12. (B) 13. (A) 14. (D) 15. (C)
16. (A) 17. (B) 18. (D) 19. (E)
20. (E) 21. (C) 22. (A)
23. (A) 20th from the left end is T and 12th to the left of T is %.
24. (C) H 2 © and K 7 $
25. (A)
26. (B) M F 4
27. (D) After dropping all the numbers.
B # A R E % M F J U @ H © T I * W P # K $ Y
11th from the right end is H.
28. (D) # A, E % and U @
29. (E) 30. (B) 31. (A) 32. (D) 33. (C) 34. (E)
35. (D) 36. (A) 37. (C) 38. (E) 39. (A)
40. (D) 41. (B)
42. (A) 43. (B) 44. (A) 45. (E) 46. (D) 47. (D) 48. (C)
49. (A) 50. (A) 51. (E) 52. (B) 53. (C) 54. (D) 55. (A)
P a g e | 14
56. (D) 57. (A) 58. (E) 59. (A) 60. (B)

General Socio-Economic & Banking Awareness - Bank of Baroda Probationary Officers Exam., 2008

Posted by Unknown on 10:01 AM

Bank of Baroda Probationary Officers Exam., 2008

(Held on 5-10-2008)

General Socio-Economic & Banking Awareness : Solved Paper

1. RBI’s open market operation transactions are carried out with a view to regulate—

(A) Liquidity in the economy

(B) Prices of essential commodities

(D) Borrowing power of the banks

(E) All the above

2. When more than one banks are allowing credit facilities to one party in coordination with each other

under a formal arrangement, the arrangement is generally known as—

(A) Participation

(B) Consortium

(D) Multiple banking

(E) None of these

3. Open market operations, one of the measures taken by RBI in order to control credit expansion in the

economy means —

(A) Sale or purchase of Govt. securities

(B) Issuance of different types of bonds

(D) To make available direct finance to borrowers

(E) None of these

4. The bank rate means—

(A) Rate of interest charged by commercial banks from borrowers

(B) Rate of interest at which commercial banks discounted bills of their borrowers

(D) Rate at which RBI purchases or rediscounts bills of exchange of commercial banks

(E) None of these

5. What is an Indian Depository Receipt ?

(A) A deposit account with a Public Sector Bank

(B) A depository account with any of Depositories in India

equity shares of the issuing company

(D) An instrument in the form of deposit receipt issued by Indian depositories

(E) None of these

6. An instrument that derives its value from a specified underlying (currency, gold, stocks etc.) is

known as—

(A) Derivative

(B) Securitisation Receipts

(D) Factoring

(E) Venture Capital Funding

7. Fiscal deficit is—

(A) total income less Govt. borrowing

(B) total payments less total receipts

(D) total expenditure less total receipts excluding borrowing

(E) None of these

8. In the Capital Market, the term arbitrage is used with reference to—

(A) purchase of securities to cover the sale

(B) sale of securities to reduce the loss on purchase

(D) variation in different markets

(E) Any of the above

9. Reverse repo means—

(A) Injecting liquidity by the Central Bank of a country through purchase of Govt. securities

(B) Absorption of liquidity from the market by sale of Govt. securities

(D) Improving the position of availability of the securities in the market

(E) Any of the above

10. The stance of RBI monetary policy is—

(A) inflation control with adequate liquidity for growth

(B) improving credit quality of the Banks

(D) supporting investment demand in the economy

(E) Any of the above

11. Currency Swap is an instrument to manage—

(A) Currency risk

(B) interest rate risk

(D) cash flows in different currencies

(E) All of the above

12. ‘Sub-prime’ refers to—

(A) lending done by banks at rates below PLR

(B) funds raised by the banks at sub-Libor rates

(D) lending done by financing institutions including banks to customers not meeting with normally

required credit appraisal standards

(E) All of the above

13. Euro Bond is an instrument—

(A) issued in the European market

(B) issued in Euro Currency

(D) All of the above

(E) None of these

14. Money Laundering normally involves—

(A) placement of funds

(B) layering of funds

(D) All of (A), (B) and (C)

(E) None of (A), (B) and (C)

15. The IMF and the World Bank were conceived as institutions to—

(A) strengthen international economic co-operation and to help create a more stable and prosperous

global economy

(B) IMF promotes international monetary cooperation

(D) All of (A), (B) and (C)

(E) None of (A), (B) and (C)

16. Capital Market Regulator is—

(A) RBI

(B) IRDA

(D) BSE

(E) SEBI

17. In the term BRIC, R stands for—

(A) Romania

(B) Rajithan

(D) Regulation

(E) None of these

18. FDI refers to—

(A) Fixed Deposit Interest

(B) Fixed Deposit Investment

(D) Future Derivative Investment

(E) None of these

19. What is Call Money ?

(A) Money borrowed or lent for a day or over night

(B) Money borrowed for more than one day but upto 3 days

(D) Money borrowed for more than one day but upto 14 days

(E) None of these

20. Which is the first Indian company to be listed in NASDAQ ?

(A) Reliance

(B) TCS

(D) Infosys

(E) None of these

21. Which of the following is the Regulator of the credit rating agencies in India ?

(A) RBI

(B) SBI

(D) SEBI

(E) None of these

22. Who is Brand Endorsing Personality of Bank of Baroda ?

(A) Juhi Chawla

(B) Kiran Bedi

(D) Kapil Dev

(E) None of these

23. The branding line of Bank of Baroda is—

(A) International Bank of India

(B) India’s International Bank

(D) World’s local Bank

(E) None of these

24. The logo of Bank of Baroda is known as—

(A) Sun of Bank of Baroda

(B) Baroda Sun

(D) Sunlight of Bank of Baroda

(E) None of these

25. Which of the following statements(s) is/are True about the exports of China which is a close

competitor of India ?

(i) China’s economic success is basically on the fact that it exports cheaper goods to rich nations like

the USA, etc.

(ii) In the year 2007 China’s exports became almost 40% of its GDP.

(iii) When compared to India China’s share in the World Exports is more than 30% whereas India’s

share is mere 6% of the global exports.

(A) Only (i)

(B) Only (ii)

(D) All (i), (ii) and (iii)

(E) None of these

26. One of the major challenges banking industry is facing these days is money laundering. Which of

the following acts/norms are launched by the banks to prevent money laundering in general ?

(A) Know Your Customer Norms

(B) Banking Regulation Act

(D) Narcotics and Psychotropic Substance Act

(E) None of these

27. Lot of Banks in India these days are offering M-Banking Facility to their customers. What is the

full form of ‘M’ in ‘M-Banking’ ?

(A) Money

(B) Marginal

(D) Mutual Fund

(E) Mobile Phone

28. Which of the following is/are true about the ‘Sub-Prime Crisis’ ? (The term was very much in news

recently.)

(i) It is a mortgage crisis referring to credit default by the borrowers.

(ii) Sub-Prime borrowers were those borrowers who were rated low and were high risk borrowers.

(iii) This crisis originated because of negligence in credit rating of the borrowers.

(A) Only (i)

(B) Only (ii)

(D) All (i), (ii) and (iii)

(E) None of these

29. Which of the following is not the part of the structure of the Financial System in India ?

(A) Industrial Finance

(B) Agricultural Finance

(D) Development Finance

(E) Personal Finance

30. Which of the following is not the part of the scheduled banking structure in India ?

(A) Money Lenders

(B) Public Sector Banks

(D) Regional Rural Banks

(E) State Co-operative Banks

31. As we all know Govt. of India collects tax revenue on various activities in the country. Which of the

following is a part of the tax revenue of the Govt. ?

(i) Tax on Income

(ii) Tax on Expenditure

(iii) Tax on Property or Capital Asset

(iv) Tax on Goods and Services

(A) Both (i) and (iii) only

(B) Both (ii) and (iv) only

(D) Only (ii), (iii) and (iv)

(E) None of these

32. We very frequently read about Special Economic Zones (SEZs) in newspapers. These SEZs were

established with which of the following objectives ?

(i) To attract foreign investment directly.

(ii) To protect domestic market from direct competition from multinationals.

(iii) To provide more capital to agricultural and allied activities.

(A) Only (i)

(B) Only (ii)

(D) All (i), (ii) and (iii)

(E) None of these

33. Which of the following groups of countries has almost 50% share in global emission of carbon

every year ?

(A) US, China, India, South Africa

(B) India, China, Russia, Britain

(D) US, Russia, China & India

(E) None of these

34. Which of the following correctly describes the concept of ‘Nuclear Bank’ floated by International

Atomic Energy Agency ?

(i) It is a nuclear fuel bank to be shared by all the nations jointly.

(ii) It is a facility to help nations in enrichment of uranium.

(iii) It is an agency which will keep a close vigil on the nuclear programme of all the nations.

(A) Only (i)

(B) Only (ii)

(D) Only (iii)

(E) Both (i) and (ii) only

35. Many times we read about Future Trading in newspapers. What is ‘Future Trading’ ?

(i) It is nothing but a trade between any two stock exchanges wherein it is decided to purchase the

stocks of each other on a fixed price throughout the year.

(ii) It is an agreement between two parties to buy or sell an underlying asset in the future at a

predetermined price.

(iii) It is an agreement between stock exchanges that they will not trade the stocks of each other under

any circumstances in future or for a given period of time.

(A) Only (i)

(B) Only (ii)

(D) All (i), (ii) and (iii)

(E) None of these

36. Inflation in India is measured on which of the following indexes/indicators ?

(A) Cost of Living Index (COLI)

(B) Consumer Price Index (CPI)

(D) Wholesale Price Index (WPI)

(E) None of these

37. As per the reports published in the newspapers a section of society staged a demonstration at the

venue of the G-8 Summit recently. What was/were the issues towards which these demonstrators were

trying to draw the attention of G-8 leaders ?

(i) Food shortage which has taken 50 million people in its grip.

(ii) Inflation which has gone up substantially across the Globe.

(iii) USA’s consistent presence in Iraq.

(A) Only (i)

(B) Only (ii)

(D) Both (i) and (ii) only

(E) None of these

38. Hillary Clinton formally suspended her campaign to ensure election of who amongst the following

for the next President of USA ?

(A) George Bush

(B) Barack Obama

(D) Bill Clinton

(E) None of these

39. Hugo Chavez whose name was recently in news is the—

(A) President of Congo

(B) Prime Minister of Uganda

(D) Prime Minister of Brazil

(E) None of these

40. The Govt. of India has raised the amount of the Loan Waiver to the farmers by 20%. Now the

amount is nearly—

(A) Rs. 60,000 crore

(B) Rs. 65,000 crore

(D) Rs. 76,000 crore

(E) Rs. 80,000 crore

41. Delimitation Commission has made a recommendation that next Census should be Panchayat-wise.

When is the next Census due ?

(A) 2010

(B) 2011

(D) 2013

(E) 2015

42. The World Health Organisation has urged that advertisements of which of the following should be

banned to protect youth from bad effects of the same ?

(A) Tobacco

(B) Alcoholic drinks

(D) Soft drinks with chemical preservatives

(E) None of these

43. Which of the following countries has allocated a huge amount of US $ 10 billion to provide relief to

its earthquake victims ?

(A) Japan

(B) South Korea

(D) South Africa

(E) None of these

44. India and Nepal have many agreements on sharing of the water of various rivers. Which of the

following rivers is not covered under these agreements ?

(A) Kosi

(B) Gandak

(D) Mahakali

(E) All these rivers are covered

45. Which of the following names is not closely associated with space programme of India or any other

country ?

(A) CARTOSAT

(B) NLS - 5

(D) GSLV

(E) SCOPE

46. Vijay Hazare Trophy is associated with the game of—

(A) Hockey

(B) Cricket

(D) Football

(E) Golf

47. Which of the following was the theme of the Olympic Torch ?

(A) Journey of Harmony

(B) Green World Clean World

(D) Journey for Hunger-free World

(E) None of these

48. Which of the following schemes is not a social development Scheme ?

(A) Indira Awas Yojana

(B) Mid Day Meal

(D) Sarva Shiksha Abhiyan

(E) All are social schemes

49. Which of the following is not a member of the ASEAN ?

(A) Malaysia

(B) Indonesia

(D) Britain

(E) Singapore

50. Which of the following Awards are given for excellence in the field of Sports ?

(A) Kalinga Prize

(B) Shanti Swarup Bhatnagar Award

(D) Pulitzer Prize

(E) None of these

___________________________________________

Answers :

1. (E) 2. (B) 3. (A) 4. (D) 5. (C) 6. (C) 7. (D) 8. (C) 9. (A) 10. (E)

11. (D) 12. (D) 13. (C) 14. (D) 15. (D) 16. (E) 17. (C) 18. (C) 19. (A) 20. (D)

21. (D) 22. (E) 23. (B) 24. (B) 25. (C) 26. (E) 27. (E) 28. (D) 29. (E) 30. (A)

31. (C) 32. (A) 33. (D) 34. (B) 35. (B) 36. (D) 37. (B) 38. (B) 39. (C) 40. (A)

41. (B) 42. (A) 43. (C) 44. (C) 45. (E) 46. (B) 47. (A) 48. (C) 49. (D) 50. (C)

WEFORWIN

State Bank of India Clerk Exam., General English : Solved Paper

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General English : Solved Paper State Bank of India Clerk Exam.,

Reasoning : Solved Paper Union Bank of India ProbationaryOfficers Exam.

General Socio-Economic & Banking Awareness - Bank of Baroda Probationary Officers Exam., 2008

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