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(Papers) IBPS PO Exam Paper - 2017 - ENGLISH LANGUAGE

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(Papers) IBPS PO Exam Paper - 2017


:: ENGLISH LANGUAGE ::


Direction (01-10): Read the following passage carefully and answer the questions given below it. Certain words are given in bold to help you locate them while answering some of the questions.

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2007

RBI Grade 'B' Officer Mains (Phase II) Exam - 2007

English Paper 1

Essay

1. Write an argumentative essay of about 500 words on any one of the following:-40
  • Has the virtual workplace become a reality?
  • Health insurance and wealth!
  • Laptops for notebooks, what next in schools?
  • In the Light of the popularity of ODIs and 20 x 20s has Test Cricket a future?
  • What's wrong with the SEZ policy?

Precis

Make a precis of the following passage in your own words, reducing it to about 250 words, and give it a suitable title. Use the special sheet provided for the purpose:-24

The idea that mobile phones bring economic benefits is now widely accepted. In places with bad roads, few trains and parlous land lines, they substitute for travel, allow price data to be distributed more quickly and easily, enable traders to reach wider markets and generally ease the business of doing business. Leonard Waverman of the London Business School has estimated that an extra ten mobile phones per 100 people in a typical developing country leads to an extra half a percentage point of growth in GDP per person. To realize the economic benefits of mobile phones, governments in such countries need to do away with state monopolies, issue new licenses to allow rival operators to enter the market and slash taxes on handsets. With few exceptions (halo, Ethiopia), they have done so, and mobile phones are now spreading fast, even in the poorest parts of the world.

As mobile phones have spread, a new economic benefit is coming into view ; using them for banking and, so improving access to financial services, not just telecoms networks. Pioneering M-banking projects in the Philippines, Kenya and South Africa show the way. These “branchless” schemes typically allow customers to deposit and withdraw cash through a mobile operator's airtime-re-sale agents, and send money to other people via text messages that can be exchanged for cash by visiting an writ Workers can then be paid by phone; taxi-drivers and delivery-drivers can accept payments without carrying cash around; money can be easily sent to friends and family. A popular use is to deposit money before making a long journey and then withdraw it at the other end, which is safer than carrying lots of cash.

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2008

RBI Grade 'B' Officer Mains (Phase II) Exam - 2008

English Paper 1

Essay

Write an argumentative essay of about 500 words on any one of the following:-40
  • What went wrong in Singur?
  • The Role of Media in a Crisis.
  • The Nuclear Deal.
  • The Future of Peace in India.
  • Can we host the Olympics?

Precis

Make a precis of the following passage in your own words, reducing it to about 250 words, and give it a suitable title. Use the special sheet provided for the purpose:

Look beyond the stock markets, especially at the seized-up money markets, and there is little to see except bank failures, emergency rescues and high anxiety in the credit markets. These forces are drawing the financial system closer to disaster and the rich world to the edge of a nasty recession.

The crisis is spreading in two directions across the Atlantic to Europe, and out of the financial markets into the real economy. Governments have been dealing with it disaster by disaster. They have struggled to gain control not just because of the speed of contagion but also because policymakers, and the public they serve have failed fully to grasp the breadth and depth of the crisis.

Western Europe is not the limit of this the panic has also struck banks in Hong Kong, Russia and now India. And it is not just the geographical breadth of this crisis that is alarming, but also its economic depth. Because it is rooted in the money markets, it will feed through to businesses and households in every economy it hits.

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2009

RBI Grade 'B' Officer Mains (Phase II) Exam - 2009

English Paper -1

Essay

Write an argumentative essay of about 500 words on any one of the following:-40
  • Is China a threat to India?
  • The 2008 recession was a myth in India.
  • Can we leave the world a safer place for the next generation?
  • Formal education is the only way to success in life?
  • Business Schools more business than school?

Precis

Make a precis of the following passage in your own words, reducing it to about 250 words, and give it a suitable title. Use the special sheet provided for the purpose:-24

These days, if you are the leader, you have got to give up your omnipotent fantasies that you know and must do everything. Bosses, these days, are advised to abandon their ego to the talents of others. Employees will not take any ' crap' from anyone. Young kids, fresh out of university, do not believe in hierarchy at the workplace, and they do not believe in being bossed around. Experts believe that the competition in the talent market has made employees "soft and submissive", and most organizations oppose strict and harsh leaders even when the employees' behaviour demands stern action. Are bosses scared to confront their employees?

Rigid, autocratic management styles are outdated and ineffective in today's modern workplace. If leaders want to motivate their bright young workers, they need to adopt a more collaborative style. One would come across such situations more in the BPO or IT industries, as compared to niche industries, where the fear is not too high though prevalent. That is because it is difficult to find the right candidate to fill in the position, if a particular employee quits.

Some H R Managers, however, do not agree that bosses today are scared to confront their employees. At the same time, they do not believe in the word ' confrontation'. They feel the need to talk to employees on a regular basis. The idea is not to criticize them, but to give them feedback for better performance and development.

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2010

RBI Grade 'B' Officer Mains (Phase II) Exam - 2010

English Paper 1

Essay

Write an argumentative essay of about 500 words on any one of the following:-40
  • Does Politics need Ethics?
  • Cricket unites the World!
  • Do Growth and Inflation go together?
  • Is Environment our Social Responsibility?
  • Travel and Tourism is a booming business.

Precis

Make a precis of the following passage in your own words, reducing it to about 250 words, and give it a suitable title. Use the special sheet provided for the purpose:-24

FOR the head of the IMF to quote Adam Smith may seem unremarkable. But here is Dominique Strauss-Kahn citing the great man in November 2010: “The disposition to admire, and almost to worship, the rich and the powerful and…neglect persons of poor and mean condition...is the great and most universal cause of the corruption of our moral sentiments."

Mr. Strauss-Kahn then bemoaned "a large and growing chasm between rich and poorespecially within countries ". He argued that inequitable distribution of wealth could "wear down the social fabric ". He added: “More unequal countries have worse social indicators, a poorer human-development record, and higher degrees of economic insecurity and anxiety."

That marks a huge shift. Just before the financial crisis America's Congress was gaily cutting taxes for the highest earners, and Tony Blair, Britain's prime minister, said he did not care how much soccer players earned so long as he could reduce child poverty. So why has fear of inequality stormed back into fashion? Does it matter in some new way? Does it have previously unknown effects?

The most obvious reason for the renewed attention is inequality's apparent increase. A common yardstick is the Gini coefficient, which runs from 0 (everyone has the same income) to 1 (one person has all the income). Most countries range between 0.25 and 0.6.

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2011

RBI Grade 'B' Officer Mains (Phase II) Exam - 2011

English Paper 1 - 2011

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(Papers) RBI Grade “B” Officers Mains (Phase II) Exam "held on April 2012"

RBI Grade “B” Officers Mains (Phase II) Exam "held on April 2012"

English : Paper - 1

Instructions
  1. 3 hours, 100 marks
  2. All questions are compulsory.
  3. Figures to the right indicate full marks to each question.
  4. Each question should be answered on a new page.
  5. All parts of a question should be answered together without other answers intervening.
  6. Marks will be deducted if an answer far exceeds or falls short of the set limit or is irrelevant or if the handwriting is illegible.
  7. Answers must be written only in English.
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(Paper) RBI Grade 'B' Officer Mains Exam Paper I - 2014 "English"

RBI Grade 'B' Officer Mains Exam Paper I - 2014

ENGLISH

1. Write an argumentative essay of about 500 words, on any one of the following :—

(a) Euthanasia, a debatable phenomenon in India.
(b) Media is one of the strongest pillars of democracy.
(c) Role of R.B.I. in controlling the inflation.
(d) Stand of the NDA Government in dealing with corruption.
(e) Uses and misuses of Anti-Dowry Act.
(f) Commonwealth Games-2014 and India.

2. (a) Make a précis of the following passage in your own words, reducing it to about 230 words and give it a suitable title. Use the précis sheet specially provided for this purpose :—

Against the background of a stable recovery of world economy, the 6th BRICS leaders meeting from July, 15th to 16th at Fortaleza, Brazil, with the theme of Sustainable Solutions for Inclusive Growth, is definitely among the most important international events in the second half of this year. It is also an important event for ChinaIndia relations since the President of China has had his first ever meeting with the new Indian Prime Minister on the sidelines of the summit. The BRICS has become an important force to cope with the
international financial crisis, in driving global economic growth and in promoting democratization of international relations.

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RBI Recruitment Exams Sample Papers for RO-DEPR (Previous Year - 2016 : ENGLISH )


R.B.I.S.B. (Officer in Grade-'B' - DEPR) PY - 2016

PAPER III - ( ENGLISH )


1. Write an essay of about 500 words on any one of the following topics :

(a) Fund-raising Environment in the Startup Sector.
(b) Will the UK Real Estate fund issues impact India?
(c) ‘Minimum government; Maximum governance’.
(d) 25 years of reforms that changed India.
(e) Will the Centre’s liquidity support to PSU banks boost lending operations?

2. (a) Make a precis of the following passage reducing it to 220 words and give it a suitable title :

(Write the precis and the title only on the sheet provided for this purpose)

With the macroeconomic environment improving and some green shoots becoming visible in the economy, the possibility of ratings upgrades for some sectors has increased. But the ratings industry has come under the regulator’s scanner for failing to anticipate some defaults. We expect a further expansion of about 50 bps (basis points) in GVA (gross value added) growth this fiscal year. This is primarily based on the expectation of continued strength in consumption demand with urban consumer demand further enhanced by pay revision of government employees and a pickup in rural demand, boosted by a better monsoon. While pay revision and a favourable monsoon would exert counteracting forces on inflation, the outlook nevertheless remains relatively moderate, suggesting a continued possibility of further rate cuts.

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Study Kit for RBI Grade ‘B’ Officers (Pre.) Exam

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RBI Recruitment Exams Sample Papers for RO-DISM (Previous Year - 2016: ENGLISH)


R.B.I.S.B. (Officer in Grade-'B' - DISM) PY - 2016

PAPER III - ( ENGLISH )


1. Write an argumentative essay of about 500 words on any one of the following :––

(a) Judgment delayed inordinately is judgment denied permanently.
(b) Can an involvement by the corporate sector in higher education realign it to the needs of our society ?
(c) Despite laudable individual efforts, Child labour in India, remains a national disgrace.
(d) Has the service sector contributed to the process of economic development in India ?
(e) Monetary policy is not a panacea for long term economic challenges.

2. (a) Make a Precis of the following passage in your own words reducing it to about 200 words, and give it a suitable title. Use the special sheet provided for this purpose :––

Drawing comparisons with the fall of the Berlin Wall ushering in the symbolic end of Socialism, economists read recent events as perhaps signals that ill usher in the end of the high tide of globalization.

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Study Kit for RBI Grade ‘B’ Officers (Pre.) Exam

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IBPS (PO) Previous Year Exam Paper - 2012 "English Language"

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IBPS (PO) Previous Year Exam Paper - 2012

Subject: Computer Knowledge


151. _________ allows users to upload files to an online site so they can be viewed and edited from another location.

(1) General-purpose applications
(2) Microsoft outlook
(3) Web-hosted technology
(4) Office Live
(5) None of these

152. What feature adjusts the top and bottom margins so that the text is centered vertically on the printed page?

(1) Vertical justifying
(2) Vertical adjusting
(3) Dual centering
(4) Horizontal centering
(5) Vertical centering

153. Which of these is not a means of personal communication on the Internet?

(1) chat
(2) instant messaging
(3) instanotes
(4) electronic mail
(5) None of these

154. What is the overall term for creating, editing, formatting, storing, retrieving, and printing a text document?

(1) Word processing
(2) Spreadsheet design
(3) Web design
(4) Database management
(5) Presentation generation

155. Fourth-generation mobile technology provides enhanced capabilities allowing the transfer of both data, including full-motion video, high-speed Internet access, and videoconferencing.

(1) video data and information
(2) voice and non-voice
(3) music and video
(4) video and audio
(5) None of these

156. _________ is a form of denial of service attack in which a hostile client repeatedly  attack in which a hostile client repeatedly sends SYN packets to every port on the server, using fake IP addresses.

(1) Cybergaming crime
(2) Memory shaving
(3) Syn flooding
(4) Software piracy
(5) None of these

157. Which of these is a point-and-draw device?

(1) mouse
(2) scanner
(3) printer
(4) CD-ROM
(5) keyboard

158. The letter and number of the intersecting column and row is the

(1) cell location
(2) cell position
(3) cell address
(4) cell coordinates
(5) cell contents

159. A set of rules for telling the computer what operations to perform is called a

(1) procedural language
(2) structures
(3) natural language
(4) command language
(5) programming language

160. A detailed written description of the programming cycle and the program, along with the test results and a printout of the program is called

(1) documentation
(2) output
(3) reporting
(4) spec sheets
(5) directory

161. Forms that are used to organise business data into rows and columns are called

(1) transaction sheets
(2) registers
(3) business forms
(4) sheet-spreads
(5) spreadsheets

162. In PowerPoint, the Header & Footer button can be found on the Insert tab in what group?

(1) Illustrations group
(2) Object group
(3) Text group
(4) Tables group (5) None of these

163. A(n)_____ is a set of programs designed to manage the resources of a computer, including starting the computer, managing programs, managing memory, and coordin-ating tasks between input and output devices.

(1) application suite
(2) compiler
(3) input/output system
(4) interface
(5) operating system (OS)

164. A typical slide in a slide presentation would not include

(1) photo images, charts and graphs
(2) graphs and clip art
(3) clip art and audio clips
(4) full-motion video
(5) content templates

165. The PC productivity tool that manipulates data organised in rows and columns is called a(n)

(1) spreadsheet
(2) word processing document
(3) presentation mechanism
(4) database record manager
(5) EDI creator

166. In the absence of parentheses, the order of operation is

(1) exponentiation, addition or subtraction, multiplication or division
(2) addition or subtraction, multiplication or division, exponentiation
(3) multiplication or division, exponen-tiation, addition or subtraction
(4) exponentiation, multiplication or divi-sion, addition or subtraction
(5) addition or subtraction, exponentiation, multiplication or division

167. To find the Paste Special option, you use the Clipboard group on the _______ tab of PowerPoint.

(1) design
(2) slide Show
(3) page layout
(4) insert
(5) home

168. A(n) program is one that is ready to run and does not need to be altered in any way.

(1) interpreter
(2) high-level
(3) compiler
(4) COBOL
(5) executable

169. Usually downloaded into folders that hold temporary Internet files,_________ are written to your computer’s hard disk by some of the Web sites you visit.

(1) anonymous files
(2) behaviour files
(3) banner ads
(4) large files
(5) cookies

170. What is the easiest way to change the phrase “revenues, profits, gross margin,” to read “revenues, profits, and gross margin”?

(1) Use the insert mode, position the cursor before the g in gross, then type the word and followed by a space
(2) Use the insert mode, position the cursor after the g in gross, then type the word and followed by a space
(3) Use the overtype mode, position the cursor before the g in gross, then type the word and followed by a space
(4) Use the overtype mode, position the cursor after the g in gross, then type the word and followed by a space
(5) None of these

171. A program, either talk or music, that is made available in digital format for automatic download over the Internet is called a

(1) wiki
(2) broadcast
(3) vodcast
(4) bIog
(5) podcast

172. Which PowerPoint view displays each slide of the presentation as a thumbnail and is useful for rearranging slides?

(1) Slide sorter
(2) Slide show
(3) Slide master
(4) Notes page
(5) Slide design

173. Different components on the motherboard of a PC unit are linked together by sets of parallel electrical conducting lines. What are these lines called?

(1) Conductors
(2) Buses
(3) Connectors
(4) Consecutives
(5) None of these

174. What is the name given to those applications that combine text, sound, graphics, motion video, and/or animation?

(1) motionware
(2) anigraphics
(3) videoscapes
(4) multimedia
(5) maxomedia

175. A USB communication device that supports data encryption for secure wireless commu-nication for notebook users is called a

(1) USB wireless network adapter
(2) wireless switch
(3) wireless hub
(4) router
(5) None of these

Printed Study Material for IBPS PO Exam

IBPS / SBI Special TX: 
General: 
STUDY KITS: 

RBI Recruitment Exams Sample Papers for RO-DPER (Previous Year - 2009: DESCRIPTIVE TYPE ON STATISTICS)


R.B.I.S.B. (Officer in Grade-'B' - DEPR) PY - 2009

PAPER II - DESCRIPTIVE TYPE ON STATISTICS


1. Distinguish between head-count ratio and poverty-gap ratio as measures of poverty. What is the extent of poverty in India ?

2. Bring out the role of the agricultural sector in the current stage of development in India. Is the targeted growth rate for the agricultural sector in the 11th five year plan in India attainable? Give reasons for your answer.

3. Though Special Economic Zones have been successful in the context of China, the policy of establishing such zonesin India is neither feasible nor desirable. Discuss.

4. Bring out, in an appropriate framework, the consequences ofhigh fiscal deficits in an economy. Are you of the opinion that fiscal deficits in India are excessive? Give reasons for your answer."

5. Show that an economy cannot simultaneously have fixed exchange rates, perfect capital mobility and autonomous monetary policy.Bring out, in this context, the effects of increased capital inflows/outflows in an economy like India.

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IBPS (PO) Previous Year Exam Paper - 2012 "Computer Knowledge"

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IBPS (PO) Previous Year Exam Paper - 2012

Subject: Computer Knowledge


151. _________ allows users to upload files to an online site so they can be viewed and edited from another location.

(1) General-purpose applications
(2) Microsoft outlook
(3) Web-hosted technology
(4) Office Live
(5) None of these

152. What feature adjusts the top and bottom margins so that the text is centered vertically on the printed page?

(1) Vertical justifying
(2) Vertical adjusting
(3) Dual centering
(4) Horizontal centering
(5) Vertical centering

153. Which of these is not a means of personal communication on the Internet?

(1) chat
(2) instant messaging
(3) instanotes
(4) electronic mail
(5) None of these

154. What is the overall term for creating, editing, formatting, storing, retrieving, and printing a text document?

(1) Word processing
(2) Spreadsheet design
(3) Web design
(4) Database management
(5) Presentation generation

155. Fourth-generation mobile technology provides enhanced capabilities allowing the transfer of both data, including full-motion video, high-speed Internet access, and videoconferencing.

(1) video data and information
(2) voice and non-voice
(3) music and video
(4) video and audio
(5) None of these

156. _________ is a form of denial of service attack in which a hostile client repeatedly  attack in which a hostile client repeatedly sends SYN packets to every port on the server, using fake IP addresses.

(1) Cybergaming crime
(2) Memory shaving
(3) Syn flooding
(4) Software piracy
(5) None of these

157. Which of these is a point-and-draw device?

(1) mouse
(2) scanner
(3) printer
(4) CD-ROM
(5) keyboard

158. The letter and number of the intersecting column and row is the

(1) cell location
(2) cell position
(3) cell address
(4) cell coordinates
(5) cell contents

159. A set of rules for telling the computer what operations to perform is called a

(1) procedural language
(2) structures
(3) natural language
(4) command language
(5) programming language

160. A detailed written description of the programming cycle and the program, along with the test results and a printout of the program is called

(1) documentation
(2) output
(3) reporting
(4) spec sheets
(5) directory

161. Forms that are used to organise business data into rows and columns are called

(1) transaction sheets
(2) registers
(3) business forms
(4) sheet-spreads
(5) spreadsheets

162. In PowerPoint, the Header & Footer button can be found on the Insert tab in what group?

(1) Illustrations group
(2) Object group
(3) Text group
(4) Tables group (5) None of these

163. A(n)_____ is a set of programs designed to manage the resources of a computer, including starting the computer, managing programs, managing memory, and coordin-ating tasks between input and output devices.

(1) application suite
(2) compiler
(3) input/output system
(4) interface
(5) operating system (OS)

164. A typical slide in a slide presentation would not include

(1) photo images, charts and graphs
(2) graphs and clip art
(3) clip art and audio clips
(4) full-motion video
(5) content templates

165. The PC productivity tool that manipulates data organised in rows and columns is called a(n)

(1) spreadsheet
(2) word processing document
(3) presentation mechanism
(4) database record manager
(5) EDI creator

166. In the absence of parentheses, the order of operation is

(1) exponentiation, addition or subtraction, multiplication or division
(2) addition or subtraction, multiplication or division, exponentiation
(3) multiplication or division, exponen-tiation, addition or subtraction
(4) exponentiation, multiplication or divi-sion, addition or subtraction
(5) addition or subtraction, exponentiation, multiplication or division

167. To find the Paste Special option, you use the Clipboard group on the _______ tab of PowerPoint.

(1) design
(2) slide Show
(3) page layout
(4) insert
(5) home

168. A(n) program is one that is ready to run and does not need to be altered in any way.

(1) interpreter
(2) high-level
(3) compiler
(4) COBOL
(5) executable

169. Usually downloaded into folders that hold temporary Internet files,_________ are written to your computer’s hard disk by some of the Web sites you visit.

(1) anonymous files
(2) behaviour files
(3) banner ads
(4) large files
(5) cookies

170. What is the easiest way to change the phrase “revenues, profits, gross margin,” to read “revenues, profits, and gross margin”?

(1) Use the insert mode, position the cursor before the g in gross, then type the word and followed by a space
(2) Use the insert mode, position the cursor after the g in gross, then type the word and followed by a space
(3) Use the overtype mode, position the cursor before the g in gross, then type the word and followed by a space
(4) Use the overtype mode, position the cursor after the g in gross, then type the word and followed by a space
(5) None of these

171. A program, either talk or music, that is made available in digital format for automatic download over the Internet is called a

(1) wiki
(2) broadcast
(3) vodcast
(4) bIog
(5) podcast

172. Which PowerPoint view displays each slide of the presentation as a thumbnail and is useful for rearranging slides?

(1) Slide sorter
(2) Slide show
(3) Slide master
(4) Notes page
(5) Slide design

173. Different components on the motherboard of a PC unit are linked together by sets of parallel electrical conducting lines. What are these lines called?

(1) Conductors
(2) Buses
(3) Connectors
(4) Consecutives
(5) None of these

174. What is the name given to those applications that combine text, sound, graphics, motion video, and/or animation?

(1) motionware
(2) anigraphics
(3) videoscapes
(4) multimedia
(5) maxomedia

175. A USB communication device that supports data encryption for secure wireless commu-nication for notebook users is called a

(1) USB wireless network adapter
(2) wireless switch
(3) wireless hub
(4) router
(5) None of these

Printed Study Material for IBPS PO Exam

IBPS / SBI Special TX: 
General: 
STUDY KITS: 

RBI Recruitment Exams Sample Papers for RO-DPER (Previous Year - 2011: DESCRIPTIVE TYPE ON STATISTICS)


R.B.I.S.B. (Officer in Grade-'B' - DEPR) PY - 2011

PAPER II - DESCRIPTIVE TYPE ON STATISTICS


1. (a) Discuss in brief the objectives of India’s current foreign trade policy (2009-14).\

(b) Discuss in brief the causes and consequences of recent world economic depression.

2. (a) The 2011 census has brought out the fact of rapid urbanization in India. Discuss the possible consequences.

(b) What has been the significance of the services sector as a driver for economic growth in India since 1990’s ?

3. Examine in detail the nature and causes of the recent inflation experience in India and suggest an appropriate policy response.

4. (a) What is the significance of agriculture to the Indian economy today ?

(b) Discuss the trade-off between environment and economic development in the light of India’s experience of economic development since 1990.

5. What according to you should be the major thrust of policy in order to achieve high economic growth along with significant employment generation ?
 

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RBI Recruitment Exams Sample Papers for RO-DPER (Previous Year - 2012: DESCRIPTIVE TYPE ON STATISTICS)


R.B.I.S.B. (Officer in Grade-'B' - DEPR) PY - 2012

PAPER II - DESCRIPTIVE TYPE ON STATISTICS


1. What according to you are the main factors behind slowing of the GDP growth rate in India since 2009 ?

2. Explain the changes suggested by the Tendulkar Committee in the measurement of poverty in India.

3. Analyze the recent episode of food price inflation in India.

4. Critically analyze the pros and cons of the Right to Food Act 2013 in India.

5. Write a detailed note on the Solow growth model.

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IBPS (PO) Previous Year Exam Paper - 2012 "General Awareness"

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IBPS (PO) Previous Year Exam Paper - 2012

Subject: General Awareness


101. A money deposited in a bank that cannot be withdrawn for a preset fixed period of time is known as a

(1) Term deposit
(2) Checking Account
(3) Savings Bank Deposit
(4) No Frills Account
(5) Current Deposit

102. A worldwide financial messaging network which exchanges messages between banks and financial institutions is known as

(1) CHAPS
(2) SWIFT
(3) NEFT
(4) SFMS
(5) CHIPS

103. Which of the following ministries alongwith the Planning Commission of India has decided to set up a Corpus Fund of Rs 500 crore, so that tribals in Naxal-hit areas can be provided proper means of livelihood?
 

(1) Ministry of Rural Development
(2) Ministry of Home Affairs
(3) Ministry of Tribal Affairs
(4) Ministry of Corporate Affairs
(5) Ministry of Finance

104. Which of the following was the issue over which India decided to vote against Sri Lanka in the meeting of one of the UN-governed bodies/agencies?

(1) Violations of human rights in Sri Lanka
(2) Allowing China to establish a military base in the Indian Ocean
(3) Issue of subsidy on agricultural products in the meeting of the WTO
(4) Allowing part of Sri Lanka to become an independent country governed by LTTE
(5) Sri Lanka’s claim to become a permanent member of UN Security Council

105. The term ‘Smart Money’ refers to

(1) Foreign Currency
(2) Internet Banking
(3) US Dollars
(4) Travellers’ Cheques
(5) Credit Cards

106. Which of the following is not a ‘Money Market Instrument’?

(1) Treasury Bills
(2) Commercial Paper
(3) Certificate of Deposit
(4) Equity Shares
(5) None of these

107. Which of the following is a retail banking product?

(1) Home Loans
(2) Working capital finance
(3) Corporate term loans
(4) Infrastructure financing
(5) Export Credit

108. Which of the following statements is TRUE about the political situation in Mali, where a military coup burst out recently?

(1) General elections were due there in March/April 2012 but did not take place.
(2) The country has been under the control of the US army for the last 18 months.
(3) The army of the country was not happy as Amadou Toure was made President without elections for the next five years.
(4) A coup broke out in Mali when Amadou Toure, the military chief, got seriously injured in a bomb blast.
(5) NATO and its associates had planned a coup there.

109. In the summit of which of the following organizations/ group of nations it was decided that all members should enforce Budget Discipline?

(1) G-8 (2) OPEC
(3) European Union (4) SAARC
(5) G-20

110. As per newspaper reports, India is planning to use ‘SEU’ as fuel in its 700MW nuclear reactors being developed in new planets. What is the full form of 'SEU’ as used here?

(1) Safe Electrical Units
(2) Small Electrical Units
(3) Slightly Enriched Uranium
(4) Sufficiently Enriched Units
(5) Safely Enriched Uranium

111. Technological advancement in recent times has given a new dimension to banks, mainly to which of the following aspects?

(1) New Age Financial Derivatives
(2) Service Delivery Mechanism
(3) Any Banking
(4) Any Type Banking
(5) Multilevel Marketing

112. When there is a difference between all receipts and expenditure of the Govt of India, both capital and revenue, it is called

(1) Revenue Deficit
(2) Budgetary Deficit
(3) Zero Budgeting
(4) Trade Gap
(5) Balance of payments problem

113. Which of the following is NOT a function of the Reserve Bank of India?

(1) Fiscal Policy Functions
(2) Exchange Control Functions
(3) Issuance, Exchange and Destruction of currency notes
(4) Monetary Authority Functions
(5) Supervisory and Control Functions

114. Which of the following is NOT required for opening a bank account?

(1) Identity Proof
(2) Address Proof
(3) Recent Photographs
(4) Domicile Certificate
(5) None of these

115. The Golden Jubilee of Afro-Asian Rural Development Organisation was organized in which of the following places in March 2012?

(1) Dhaka (2) Tokyo
(3) Cairo (4) Kuala Lampur
(5) New Delhi

116. What is the maximum deposit amount insured by DICGC?

(1) Rs 2,00,000 per depositor per bank
(2) Rs 2,00,000 per depositor across all banks
(3) Rs 1,00,000 per depositor per bank
(4) Rs 1,00,000 per depositor across all banks
(5) None of these

117. The present Foreign Trade policy of India will continue till

(1) December 2012
(2) March 2013
(3) March 2014
(4) June 2013
(5) December 2014

118. With reference to a cheque, which of the following is the ‘drawee bank’?

(1) The bank that collects the cheque
(2) The payee’s bank
(3) The endorsee’s bank
(4) The endorser’s bank
(5) The bank upon which the cheque is drawn

119. In which of the following fund transfer mechanisms, can funds be moved from one bank to another and where the transaction is settled instantly without being bunched with any other transaction?

(1) RTGS
(2) NEFT
(3) TT
(4) EFT
(5) MT

120. What was the reason owing to which Enrica Lexie, an Italian ship, was detained by the Port Authorities in Kerala and was brought to Cochin port for inspection and search?

(1) It was carrying objectionable material.
(2) It was involved in sea piracy.
(3) It was detained as the crew killed two Indian fishermen.
(4) The ship started sailing without making payments of iron ore it loaded.
(5) It was detained as it was dumping nuclear waste in deep sea.

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IBPS (PO) Previous Year Exam Paper - 2013 "Quantitative Aptitude"

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IBPS (PO) Previous Year Exam Paper - 2013

Subject: Quantitative Aptitude


Directions (Q. Nos. 91-95) In each of the following questions, a question is followed by information given in three Statements I, II and III. You have to study the question along with the statements and decide the information given in which of the statement(s) is necessary to answer the question.

91. In how many days 10 women can finish the work?

I. 10 men finish the work in 6 days.
II. 10 women and 10 men finish the work in days.
III. If 10 men work 3 days and after that 10 women are deployed to work for men, the rest work is finished in 4 days.

(1) I and II
(2) Any two of three
(3) I and III
(4) II and III
(5) None of these

92. What is the present age of Sabir?

I. The present age of Sabir is half of his father’s age.
II. After five years the ratio of ages of Sabir and his father is 6:11.
III. Sabir is younger to his brother by five years.

(1) 1 and II
(2) I and III
(3) II and III
(4) All of these
(5) Cannot be determined

93. What is two digit number?

I. The difference between the number and the number formed by interchanging the digit is 27.
II. The difference between two digits is 3.
III. The digit at unit’s place is less than that at ten’s place by 3.

(1) 1 and II
(2) I and either II or III
(3) I and III
(4) All of these
(5) None of these

94. What is the rate of interest Percent per annum?

I. An amount doubles itself in 5 yr on simple interest.
II. Difference between the compound interest and the simple interest earned on a certain amount in two years is Rs400.
III. Simple interest earned per annum is Rs2000.

(1) Only I
(2) II and III
(3) Any two of three
(4) I or II and III
(5) Only I or II and III

95. What is the cost of flooring the rectangular hall?

I. Length and the breadth of the hall are in the ratio of 3:2.
II. Length of the hall is 48 m and cost of flooring is Rs850 per sq m.
III. Perimeter of the hall is 160 m and cost of flooring is Rs850 per sq m.
(1) I and II (2) I and III
(3) Only III
(4) I and either II or III
(5) Any two of the three

96. If the numerator of a fraction is increased by 20% and the denominator is increased by 25%, the fraction obtained is . What was the original fraction?

(1) 5/7
(2) 4/7
(3) 3/8
(4) Cannot be determined
(5) None of the three

97. If the positions of the digits of a two-digit number are interchanged, the number obtained is smaller than the original number by 27. If the digits of the number are in the ratio of 1 : 2, what is the original number?

(1) 36 (2) 63
(3) 48
(4) Cannot be determined
(5) None of these

98. One of the angles of a quadrilateral is thrice the smaller angle of a parallelogram. The respective ratio between the adjacent angles of the parallelogram is 4:5. Remaining three angles of the quadrilateral are in ratio 4:11:9 respectively. What is the sum of the largest and the smallest angles of the quadrilateral?

(1) 255°
(2) 260°
(3) 265°
(4) 270°
(5) None of these

99. An aeroplane flies with an average speed of 756 km/h. A helicopter takes 48 h to cover twice the distance covered by aeroplane in 9 h. How much distance will the helicopter cover in 18 h? (Assuming that flights are non-stop and moving with uniform speed.)

(1) 5010 km
(2) 4875 km
(3) 5760 km
(4) 5103 km
(5) None of these

Directions (Q. Nos. 105-109) In the following number series, a wrong number is given. Find out the wrong number.

105. 29, 37, 21,43 ,13, 53, 5

(1) 37
(2) 53
(3) 13
(4) 21
(5) 43

106. 600, 125, 30, 13, 7.2, 6.44, 6.288

(1) 6
(2) 10
(3) 15
(4) 12
(5) None of these

107. 80, 42, 24, 13.5, 8.75, 6.375, 5.1875

(1) 8.75
(2) 13.5
(3) 24
(4) 6.375
(5) 42

108. 10, 8, 13, 35, 135, 671, 4007

(1) 8
(2) 671
(3) 135
(4) 13
(5) 35

109. 150, 290, 560, 1120, 2140, 4230, 8400

(1) 2140
(2) 560
(3) 1120
(4) 4230
(5) 290

Directions (Q.Nos. 110-114) These questions are based on the following data. The distribution of appeared and qualified aspirants in competitive examination from different States.

Total appeared aspirants = 45000

110. What is the ratio of the number of appeared aspirants from States C and E together to that of the appeared aspirants from States A and F together?

(1) 17:33
(2) 11:13
(3) 13:27
(4) 17:27
(5) None of these

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IBPS (PO) Previous Year Exam Paper - 2013 "English Language"

 

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IBPS (PO) Previous Year Exam Paper - 2013

Subject:  English Language

Directions (Q. Nos. 51-58) Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you to locate them while answering some of the questions.

The great fear in Asia a short while ago was that the region would suffer through the wealth destruction already taking place in the U.S as a result of the financial crisis. Stock markets tumbled as exports plunged and economic growth deteriorated. Lofty property prices in China and elsewhere looked set to bust as credit tightened and buyers evaporated. But with surprising speed, fear in Asia swung back to greed as the region shows signs of recovery and property and stock prices are soaring in many parts of Asia. Why should this sharp Asian turnaround be greeted with skepticism? Higher asset prices mean households feel wealthier and better able to spend, which could further fuel the region’s nascent rebound. But just as easily, Asia could soon find itself saddled with overheated markets similar to the U.S. housing market.

In short, the world has not changed, it has just moved placed. The incipient bubble is being created by government policy. In response to the global credit crunch of 2008. Policy makers in Asia I slashed interest rates and flooded financial sectors with cash in frantic attempts to keep loans flowing and economies growing. These steps were logical for central bankers striving to reverse a deepening economic crisis. But there is evidence that there is too much easy money around. It’s winding up in stocks and real estate, pushing prices up too far and too fast for the undenying economic fundamentals. Much of the concern is focused on China where government stimulus efforts have been large and effective, Money in China has been especially easy to find. Aggregate new bank lending surged 201% in first half of 2009 from the same period a year earlier, to nearly 51.1 turn on. Exuberance over a quick recovery which was given a boost by China’s surprisingly strong 7.9% GDP growth in the second quarter has buoyed investor sentiment not just for stocks but also for real estate.

Former U.S. Federal Reserve Chairman Alan Greenspan argued that bubbles could only be recognised in hand sight. But investors who have been well schooled in the dangers of bubbles over the past decade are increasingly wary that prices have risen too far and that the slightest bit of negative, economic news could knock markets for a loop. These fears are compounded by the possibility that Asia’s central bankers will begin taking stops to shut off the money. Rumours that Beijing was on the verge of tightening credit led to Shanghai stocks plunging 5%. Yet many economists believe that, there is close to a zero possibility that the Chinese \ government will do anything this year that constitutes tightening. And without a major shift in thinking, the easy-money conditions will stay in place. In a global economy that has produced more dramatic ups and downs than anyone thought possible over the past two years. Asia may be neading for another disheartening plunge.

51. To which of the following has the author attributed the 2008 Asian financial crisis?

(A) Reluctance or Asian governments to taper off the economic stimulus.
(B) Greed of Asian investors causing them to trade 1 stocks of American companies at high prices.
(C) Inflated real estate prices in Asian countries.

(1) None
(2) Only (A)
(3) Only (C)
(4) (A) and (B)
(5) Only (B)

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52. What does the author want to convey through the phrase “The world has not changed it has just moved places”?

(1) At present countries are more dependent on Asian economies than on the US economy
(2) Economies have become interlinked on account of globalisation
(3) Asian governments are implementing the same economic reforms as developed countries
(4) All economies are susceptible to recession because of the state of the US economy
(5) None of the above

53. Which of the following can be said about the Chinese government’s efforts to revive the economy?

(1) These were largely unsuccessful as only the housing market improved
(2) The governments only concern was to boost investor confidence in stocks
(3) These efforts were ineffectual as-the economy recovered owing to the US market stabilising
(4) These were appropriate and accomplished the goal of economic revival
(5) They blindly imitated the economic reforms adopted by the US

54. Why do experts predict that Asian policymakers will not withdraw fiscal stimulus?

(A) The US economy is not likely to recover for a long time.
(B) Stock markets are yet to regain their former levels.
(C) Fear of revolt by greedy citizens.
(1) None of these
(2) Only (C)
(3) (A) and (C)
(4) Only (B)
(5) (B) and (C)

55. What do the statistics about loans given by Chinese banks in 2009 indicate?

(1) There was hardly any demand for loans in 2008
(2) The Chinese government has borrowed funds from the US
(3) China will take longer than the US to recover from the economic crisis
(4) The GDP of China was below expectations
(5) None of the above

56. Why has investor confidence in the Chinese stock market been restored?

(A) Existing property prices which are stable and affordable.
(B) The government has decided to tighten credit.
(C) Healthy growth of the economy indicated by GDP figures.

(1) Only (C)
(2) (A) and (B)
(3) All (A), (B) and (C)
(4) Only (B)
(5) None of these

57. What is the author’s main objective in writing the passage?

(1) Illustrating that Asian economies are financially more sound than those of developed countries
(2) Disputing financial theories about how recessions can be predicted and avoided
(3) Warning Asian countries about the dangers of favouring fast growth and profits over sound economic-principles
(4) Extolling China’s incredible growth and urging other countries to emulate it
(5) Advising governments about the changes in policy to strengthen economic fundamentals

58. Why does the author doubt the current resurgence of Asian economics?

(1) Their economies are too heavily reliant on the American economy which is yet to recover
(2) Central banks have slashed interest rates too abruptly which is likely to cause stock markets to crash
(3) With their prevailing economic conditions they are at risk for a financial crisis
(4) Their GDP has not grown significantly during the last financial year
(5) None of the above


Directions (Q.Nos. 59-65) Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you to locate them while answering some of the questions.

Delays of several months in National Rural Employment Guarantee Scheme (NREGS) wage payments and work sites 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 3000 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 card 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. Where in 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.
 

59. What impact have late wage payments had on NREGS workers?

(1) They cannot obtain employment till their dues are cleared
(2) They have benefited from the compensation awarded to them
(3) They have been unable to provide for their families
(4) They have been ostracised by their families who depend on them for sustenance
(5) None of the above

60. Which of the following factors has not been responsible for untimely payment of NREGS wages?

(1) Communication delays between agencies implementing the scheme
(2) Improper record keeping
(3) Behind schedule release of payments by banks
(4) Drought conditions prevalent in the country
(5) Delays in work measurement

61. What has the outcome of disbursing NREGS wages through banks been?

(1) Theft of funds by administration officials responsible for the scheme has reduced
(2) Increased work load for local government officials
(3) Protests by workers who have to travel long distances to the nearest bank to claim their wages
(4) Time consuming formalities have to be completed by workers
(5) None of the above

62. According to the passage, which of the following has/have been the consequence (s) of delayed wage payments?

(A) Compensation to victimised workers has amounted to crores.
(B) Banks will no longer be entrusted with remitting wages.
(C) Regulations to ensure punctual wage payments have come into force.

(1) None of these
(2) Only (A)
(3) (A) and (C)
(4) (A) and (B)
(5) (B) and (C)

63. To which of the following has the author attributed the delay in wage payments?

(1) Embezzlement of funds by corrupt bank staff
(2) Lack of monitoring by the Central Employment Guarantee Council
(3) An attempt to derail the NREGS by vested interests
(4) Overworked bank staff deliberately delay payments to protest against extra work
(5) Engineers’ efforts to wreck the NREGS because of low wages

64. Which of the following is NOT true in the context of the passage?

(A) Workers are reluctant to open bank accounts as branches are not conveniently located.
(B) Local officials often delay wage payments in drought prone areas to benefit workers.
(C) The Government has not implemented every recommendation of the Central Employment Guarantee Council.

(1) Only(B)
(2) (A) and (B)
(3) (B) and (C) (4) (A) and (C)
(5) All of these

65. Which of the following can be considered a deficiency in the NREGS?

(1) Lack of co-ordination among Programme Officers
(2) Local officials are unaware of correct operational procedures
(3) Workers have no means of obtaining redressal for untimely wage payments
(4) Disbursing wages through banks instead of readily accessible post offices
(5) The Central Employment Guarantee Council is reluctant to award compensation to workers
Directions (Q. No. 66-70) Rearrange the following sentences (A), (B), (C), (D) (E) and (F) into a meaningful paragraph and then answer the questions given below it.
(A) Moreover salaries in public sector enterprises are not as competitive as those offered by private or foreign corporates.
(B) This trend should be a wake up call for stakeholders to examine why employees are seeking better opportunities with private companies in India and abroad.
(C) Public Sector Enterprises (PSEs) have been experiencing severe challenges in attracting motivating and retaining their key staff.
(D) Having identified these as the reasons employees leave PSEs it is important empower stakeholders to find ways to remedy the situation.
(E) One reason is that young employees lured away to private firms are more willing to undertake professional risks.
(F) Employees in specialist roles especially have become increasingly difficult to retain.

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IBPS (PO) Previous Year Exam Paper - 2013 "Reasoning"

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IBPS (PO) Previous Year Exam Paper - 2013

Subject:  Reasoning


Directions (Q.No. 1-5) Study the following information carefully and answer the questions given below.

An organization wants to recruit system analysts. The following conditions apply.

The candidate must

(i) be an engineering graduate in computer/IT. with at least 60% marks.
(ii) have working experience in the field of computer at least for 2 yr after acquiring the requisite qualification,
(iii) have completed minimum 25 yr and maximum 30 yr of age As on 1.12.2013.
(iv) be willing to sign a bond for Rs 50000.
(v) have secured minimum 55% marks in selection test.

However, if a candidate fulfils all other conditions Except

(a) at (i) above, but is an Electronics Engineer with 65% or more marks the case is to be referred to the General Manager (GM)-IT.
(b) at (iv) above, but has an experience of atleast 5 yr as a Software Manager, the case is to be referred to the VP.

In each question below, detailed information of candidate is given. You have to carefully study the information provided in each case and take one of the following courses of actions based on the information and the conditions given above. You are not to assume anything other than the information provided in each question. All these cases are given to you as on 01.12.2013. You have to indicate your decision by marking answers to each question as follows

Give Answer

(1) If the case is to be referred to VP
(2) If the case is to be referred to GM
(3) If the data provided is not sufficient to take a decision
(4) If the candidate is to be selected
(5) If the candidate is not to be selected

1. Ms. Suneeta is an IT Engineer with 60% marks at graduation as well as in selection test. She is working as a Software Engineer for last 3 yr after completing engineering degree and has completed 27 yr of age. She is willing to sign the bond of Rs 50000.

2. Rakesh Rao is a Computer Engineer Graduate and thereafter is working as a Software Manager for last 6 yr. He has secured 72% marks at graduation and 67% marks in selection test. His date of birth is 5th December, 1984. He is not willing to sign the bond for Rs50000.

3. Ramkumar is an Engineering graduate in computers with 78% marks passed out in 2007 at the age of 23 yr. Since, then he is working as a Software Manager in an engineering firm. He doesn’t want to sign the bond for Rs 50000. He has cleared the selection test with 72% marks.

4. Nishant is an Electronics Engineer passed out in June, 2010 at the age of 22 yr. Since, then he is working as a Programmer in a software company. He has passed the selection test with 66% marks and is willing to sign the bond.

5. Kalyani is an Engineer with 72% marks in Telecommunication. She has just completed 27 yr of age. She has cleared the selection test with 59% marks. She is willing to sign the bond.

Direction (Q.No. 6) Analyse the following passage and answer the question.


Some words are highly inflammable. Fusion is one of them. You can get two sets of people into a war mode by just uttering the words ‘fusion music’. One set will breathe fire and say it violates the purity of music the other set will tell you earnestly that it opens up the borders of music.

6. From the purists perspective, the ‘war’ between the two set of people can best be

(1) categorized as an ideological conflict between two ideas
(2) termed as a conflict between generations the younger versus the older generation
(3) an attempt to preserve the core principles
(4) seen as an attempt of people at the margin to occupy centre stage
(5) seen as preserving the social identity of purists
 

7. Unlike other retail outlets, where items are purchased in any number of units the customer wants, in super-markets items are grouped in bulk packages. This bulk buying offers saving to the customer. The option to buy at wholesale prices by buying in bulk makes super-market a “practical choice for budget-conscious consumers.

Which of the following assumption may be drived from the above information.
 

(1) Super-markets often have greater buying power and lower overhead costs, so they can offer a greater variety of products than regular retail outlets
(2) Super-markets are often more conveniently located and have better parking facilities
(3) The emergence of super-markets has caused many small retail stores to close down and thus eliminate competitions
(4) It is economically wise to buy single items since bulk packages seldom offer significant savings
(5) The financial savings from purchasing bulk packages may outweigh the inconvenience of being unable to purchase in any number of units that suits the customers’ need

8. Nations do not complete with each other in the way corporations do.

Which of the following most favours the weakness of the argument ?

(1) Trade deficit is a sign of national strength, profits are a sign of corporate strength
(2) Increase in human development index improves national standing, increase in market share improves corporate standing
(3) Climate change negotiations lead to global improvement; CSR initiatives lead to image improvement
(4) Nations go to war to capture territory, corporates contend against each other to capture market share
(5) None of the above

9. Civilization has taught us to be friendlier towards one another
Which of the following most favours the strengthens of the argument?

(1) Cats are loyal to their children, whereas men are loyal to their communities
(2) Elephants move in a herd, whereas men live in nuclear families
(3) Lions protect their own territories, whereas men capture other men’s territories
(4) Nilgai and Cheetal stay together, whereas men of one race dominate another
(5) None of the above

10. The mushrooming of business schools in the country is a cause for shortage of faculty with Ph.D qualification. In addition, the higher pay and generous fringe benefits given by industry has encouraged qualified people to not seek academic positions.
Which of the following statements, if true, would tend to STRENGTHEN the argument?

(1) The average salary for industry positions in Gujarat is more than the average salary for faculty positions in some business schools in Ahmedabad by around 30%
(2) The average salary for industry positions in Gujarat is less than the average salary for faculty positions in a top business school in Ahmedabad by around 30%
(3) The average salary for recent Ph.D graduates in the industry is 20% higher than that in academics
(4) The rate of growth of salaries for the industry positions has been higher than the rate of growth of salaries for academic positions for the past three years
(5) None of the above


Directions (Q. Nos 11 -13) Study the information given below carefully to answer the following questions.
In a certain code language the following lines written as

 

‘lop eop aop fop’ means ‘Traders are above laws’
‘fop cop bop gop’ means ‘Developers were above profitable’
‘aop bop uop qop’ means ‘Developers stopped following traders’
‘cop jop eop uop’ means ‘Following maps were laws’

11. ‘Developers are following laws’ would be correctly written as

(1) ‘bop cop uop eop’
(2) ‘lop bop eop uop’
(3) ‘oup cop lop aop’
(4) ‘gop cop uop qop’
(5) None of these

12. ‘qop gop cop eop’ would correctly mean

(1) profitable laws were stopped
(2) developers stopped following laws
(3) traders were above profitable
(4) were laws profitable traders
(5) None of the above

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13. ‘aop qop bop’ would correctly mean

(1) following were above
(2) traders stopped developers
(3) developers are laws
(4) traders above stopped
(5) laws are stopped

Directions (Q.Nos. 14-18) In each of the questions below are given four statements followed by three conclusions numbered I, II and III. You have to take the given statements- to be true even if they seem to be at variance from commonly known facts. Read all the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts.

14. Statements All petals are flowers. Some flowers are buds. Some buds are leaves. All leaves are plants.

Conclusions

I. Some petals are not buds.
II. Some flowers are plants.
III. No flower is plant.

(1) Only I follows
(2) Either II or III follows
(3) I and II follow
(4) Only III follows
(5) None of the above

15. Statements Some pens are keys. Some keys are locks. All locks are cards. No card is paper.

Conclusions

I. No lock is paper.
II. Some cards are keys.
III. Some keys are not paper.

(1) I and II follow
(2) Only I follows
(3) Only II follows
(4) All follow
(5) None follows

16. Statements Some pearls are gems. All gems are diamonds. No diamond is stone. Some stones are corals.

Conclusions

I. Some stones are pearls.
II. Some corals being diamond is a possibility.
III. No stone is pearl.

(1) Only I follows
(2) Only II follows
(3) Either I or III follows
(4) I and II follow
(5) None of these

17. Statements Some apartments are flats. Some flats are buildings. All buildings are bungalows. All bungalows are gardens.

Conclusions

I. All apartments being building is a possibility
II. All bungalows are not buildings.
III. No flat is garden.
(1) None follows
(2) Only I follows
(3) Either I or III follows
(4) II and III follow
(5) Only II follows
 

18.  Statements All chairs are tables. All tables are bottles. Some bottles are jars. No jar is bucket.

Conclusions

 I. Some tables being jar is a possibility.
II. Some bottles are chairs.
III. Some bottles are not bucket.
(1) Only I follows (2) I and II follow
(3) All follow (4) Only II follows
(5) None of these

19. A person starts from point P in East and moves 12 m to point Q. Then, he moves right 8 m to point R. Again he moves right for 6m to point S. Then, he moves 6 m in the North to point T. Finally from there he goes to left for 6 m to point U. Which of three point he would form a triangle whose all the angles are less than 90°.

(1) PTQ
(2) QTR
(3) UTS
(4) TSR
(5) SQR


Directions (Q.Nos. 20-25) Read the following information carefully and answer the questions that follow.
Seven friends A, B, C, D, E, F and G are sitting around a circular table facing either the centre or outside. Each one of them belongs to a different department viz. Finance, Marketing Sales, HR, Corporate Finance, Investment Banking and Operations but not necessarily in the same order.
C sits third to the right of G.C faces the centre. Only one person sits between C and the person working in the HR department immediate neighbours of C face outside. Only one person sits between F and D. Both F and D face the centre. D does not work in the HR department. A works in Investment Banking Department. A faces the centre. Two people sit between the persons who work in Investment Banking and Marketing Departments. The person who works in Corporate Finance sits to the immediate left of E. C faces same direction as E. The person who works in corporate finance sits to the immediate left of the person who works for Operations department.

 

20. For which of the following departments does B work?

(1) Finance
(2) Marketing
(3) HR
(4) Corporate Finance
(5) Operations

21. What is position of B with respect to the person who works for Sales department ?

(1) Immediate right
(2) Third to the left
(3) Second to the right
(4) Second to the left
(5) Fourth to the right

22. Who sits to the immediate right of E ?

(1) The person who works for Marketing department
(2) C
(3) B
(4) The person who works for HR department
(5) A

23. Who amongst the following sits exactly between C and the person who works for HR department?

(1) B
(2) The person who works for Marketing department
(3) The person who works for Operations department
(4) D
(5) G

24. Who amongst the following sit between the persons who work for Marketing and Investment banking departments when counted for the left hand side of the person working for Marketing department?

(1) F and G
(2) E and C
(3) C and B
(4) F and D
(5) B and D

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(Papers) IBPS PO Exam Paper - 2013 "Held on: 27-10-2013" ::REASONING ABILITY::

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(Papers) IBPS PO Exam Paper - 2013 "Held on: 27-10-2013"

::REASONING ABILITY::


DIRECTIONS (Qs. 1-5) : Study the following information carefully and answer the questions given below:

An organization wants to recruit system analysts. The following conditions apply. The candidate must

(i) be an engineering graduate in computer/IT with at least 60% marks.
(ii) have working experience in the field of computer at least for 2 yr after acquiring the requisite qualification.
(iii) have completed minimum 25 yr and maximum 30 yr of age as on 1.12.2013.
(iv) be willing to sign a bond for ` 50000.
(v) have secured minimum 55% marks in selection test. However, if a candidate fulfils all other conditions Except

A. at (i) above, but is an Electronics Engineer with 65% or more marks the case is to be referred to the General Manager (GM)-IT.
B. at (iv) above, but has an experience of atleast 5 yr as a Software Manager, the case is to be referred to the VP.

In each question below, detailed information of candidate is given. You have to carefully study the information provided in each case and take one of the following courses of actions based on the information and the conditions given above. You are not to assume anything other than the information provided in each question. All these cases are given to you as on 01.12.2013. You have to indicate your decision by marking answers to each question as follows:

(a) If the case is to be referred to VP
(b) If the case is to be referred to GM
(c) If the data provided is not sufficient to take a decision
(d) If the candidate is to be selected
(e) If the candidate is not to be selected

1. Ms. Suneeta is an IT Engineer with 60% marks at graduation as well as in selection test. She is working as a Software Engineer for last 3 yr after completing engineering degree and has completed 27 yr of age. She is willing to sign the bond of ` 50000.

2. Rakesh Rao is a Computer Engineer Graduate and thereafter is working as a Software Manager for last 6 yr. He has secured 72% marks at graduation and 67% marks in selection test. His date of birth is 5th December, 1984. He is not willing to sign the bond for ` 50000.

3. Ramkumar is an Engineering graduate in computers with 78% marks passed out in 2007 at the age of 23 yr. Since, then he is working as a Software Manager in an engineering firm. He doesn't want to sign the bond for ` 50000. He has cleared the selection test with 72% marks.

4. Nishant is an Electronics Engineer passed out in June, 2010 at the age of 22 yr. Since, then he is working as a Programmer in a software company. He has passed the selection test with 66% marks and is willing to sign the bond.

5. Kalyani is an Engineer with 72% marks in Telecommunication. She has just completed 27 yr of age. She has cleared the selection test with 59% marks. She is willing to sign the bond.

DIRECTIONS (Qs. 6) : Analyse the following passage and answer the question.

Some words are highly inflammable. Fusion is one them. You can get two sets of people into a war mode by just uttering the words 'fusion music'. One set will breathe fire and say it violates the purity of music the other set will tell you earnestly that it opens up the borders of music.

6. From the purists perspective, the 'war' between the two set of people can best be

(a) categorized as an ideological conflict between two ideas
(b) termed as a conflict between generations the younger versus the older generation
(c) an attempt to preserve the core principles
(d) seen as an attempt of people at the margin to occupy centre stage
(e) seen as preserving the social identity of purists

7. Unlike other retail outlets, where items are purchased in any number of units the customer wants, in super-markets items are grouped in bulk packages. This bulk buying offers saving to the customer. The option to buy at wholesale prices by buying in bulk makes super-market a practical choice for budget-conscious consumers. Which of the following assumption may be drived from the above information.

(a) Super-markets often have greater buying power and lower overhead costs, so they can offer a greater variety of products than regular retail outlets
(b) Super-markets are often more conveniently located and have better parking facilities
(c) The emergence of super-markets has caused many small retail stores to close down and thus eliminate competitions
(d) It is economically wise to buy single items since bulk packages seldom offer significant savings
(e) The financial savings from purchasing bulk packages may outweigh the inconvenience of being unable to purchase in any number of units that suits the customers' need

8. Nations do not complete with each other in the way corporations do. Which of the following most favours the weakness of the argument?

(a) Trade deficit is a sign of national strength, profits are a sign of corporate strength
(b) Increase in human development index improves national standing, increase in market share improves corporate standing
(c) Climate change negotiations lead to global improvement; CSR initiatives lead to image improvement
(d) Nations go to war to capture territory, corporates contend against each other to capture market share
(e) None of the above

9. Civilization has taught us to be friendlier towards one another Which of the following most favours the strengthens of the argument?

(a) Cats are loyal to their children, whereas men are loyal to their communities
(b) Elephants move in a herd, whereas men live in nuclear families
(c) Lions protect their own territories, whereas men capture other men's territories
(d) Nilgai and Cheetal stay together, whereas men of one race dominate another
(e) None of the above

10. The mushrooming of business schools in the country is a cause for shortage of faculty with Ph.D qualification. In addition, the higher pay and generous fringe benefits given by industry has encouraged qualified people to not seek academic positions. Which of the following statements, if true, would tend to STRENGTHEN the argument?

(a) The average salary for industry positions in Gujarat is more than the average salary for faculty positions in some business schools in Ahmedabad by around 30%
(b) The average salary for industry positions in Gujarat is less than the average salary for faculty positions in a top business school in Ahmedabad by around 30%
(c) The average salary for recent Ph. D graduates in the industry is 20% higher than that in academics
(d) The rate of growth of salaries for the industry positions has been higher than the rate of growth of salaries for academic positions for the past three years
(e) None of the above

DIRECTIONS (Qs. 11-13) : Study the information given below carefully to answer the following questions

In a certain code language the following lines written as:
'lop eop aop fop' means 'Traders are above laws'
'fop cop bop gop' means 'Developers were above profitable'
'aop bop uop qop' means 'Developers stopped following traders'
'cop jop eop uop' means 'Following maps were laws'

11. 'Developers are following laws' would be correctly written as

(a) 'bop cop uop eop'
(b) 'lop bop eop uop'
(c) 'oup cop lop aop'
(d) 'gop cop uop qop'
(e) None of these

12. 'qop gop cop eop' would correctly mean

(a) profitable laws were stopped
(b) developers stopped following laws
(c) traders were above profitable
(d) were laws profitable traders
(e) None of the above

13. 'aop qop bop' would correctly mean

(a) following were above
(b) traders stopped developers
(c) developers are laws
(d) traders above stopped
(e) laws are stopped

DIRECTIONS (Qs. 14-18) : In each of the questions below are given four statements followed by three conclusions numbered I, II and III. You have to take the given statements to be true even if they seem to be at variance from commonly known facts. Read all the conclusions and then decide which of the given conclusions logically follows from the given statements disregarding commonly known facts.

14. Statements:

All petals are flowers. Some flowers are buds.
Some buds are leaves. All leaves are plants.

Conclusions:

I. Some petals are not buds.
II. Some flowers are plants.
III. No flower is plant.

(a) Only I follows
(b) Either II or III follows
(c) I and II follow
(d) Only III follows
(e) None of the above

15. Statements:

Some pens are keys. Some keys are locks.
All locks are cards. No card is paper

Conclusions:

I. No lock is paper.
II. Some cards are keys.
III. Some keys are not paper.

(a) I and II follow
(b) Only I follows
(c) Only II follows
(d) All follow
(e) None follows

16. Statements:

Some pearls are gems. All gems are diamonds.
No diamond is stone. Some stones are corals.

Conclusions:

I. Some stones are pearls.
II. Some corals being diamond is a possibility.
III. No stone is pearl.

(a) Only I follows
(b) Only II follows
(c) Either I or III follows
(d) I and II follow
(e) None of these

17. Statements:

Some apartments are flats. Some flats are buildings.
All buildings are bungalows. All bungalows are gardens.

Conclusions:

I. All apartments being building is a possibility
II. All bungalows are not buildings.
III. No flat is garden.

(a) None follows
(b) Only I follows
(c) Either I or III follows
(d) II and III follow
(e) Only II follows

18. Statements:

All chairs are tables. All tables are bottles.
Some bottles are jars. No jar is bucket.

Conclusions:

I. Some tables being jar is a possibility.
II. Some bottles are chairs.
III. Some bottles are not bucket.

(a) Only I follows
(b) I and II follow
(c) All follow
(d) Only II follows
(e) None of these

19. A person starts from point P in East and moves 12 m to point Q. Then, he moves right 8 m to point R. Again he moves right for 6 m to point S. Then, he moves 6 m in the North to point T. Finally from there he goes to left for 6 m to point U. Which of three point he would form a triangle whose all the angles are less than 90°?

(a) PTQ
(b) QTR
(c) UTS
(d) TSR
(e) SQR

DIRECTIONS (Qs. 20-25) : Read the following information carefully and answer the questions that follow.

Seven friends A, B, C, D, E, F and G are sitting around a circular table facing either the centre or outside. Each one of them belongs to a different department viz. Finance, Marketing Sales, HR, Corporate Finance, Investment Banking and Operations but not necessarily in the same order. C sits third to the right of G.G faces the centre. Only one person sits between C and the person working in the HR department immediate neighbours of C face outside. Only one person sits between F and D. Both F and D face the centre. D does not work in the HR department. A works in Investment Banking Department. A faces the centre. Two people sit between the persons who work in Investment Banking and Marketing Departments. The person who works in Corporate Finance sits to the immediate left of E. C faces same direction as E. The person who works in corporate finance sits to the immediate left of the person who works for Finance department.

20. For which of the following departments does B work?

(a) Finance
(b) Marketing
(c) HR
(d) Corporate Finance
(e) Operations

21. What is position of B with respect to the person who works for Sales department?

(a) Immediate right
(b) Third to the left
(c) Second to the right
(d) Second to the left
(e) Fourth to the right

22. Who sits to the immediate right of E ?

(a) The person who works for Marketing department
(b) C
(c) B
(d) The person who works for HR department
(e) A

23. Who amongst the following sits exactly between C and the person who works for HR department?

(a) B
(b) The person who works for Marketing department
(c) The person who works for Operations department
(d) D
(e) G

24. Who amongst the following sit between the persons who work for Marketing and Investment Banking departments when counted for the left hand side of the person working for Marketing department?

(a) F and G
(b) E and C
(c) C and B
(d) F and D
(e) B and D

25. How many people sit between the person who works for Operations department and A, when counted from the right hand side of A?

(a) One
(b) Two
(c) Three
(d) Four
(e) More than four

Printed Study Material for IBPS PO Exam

IBPS / SBI Special TX: 
General: 

(Paper) RBI Grade 'B' Officer Mains Exam Paper III - 2010 "Finance And Management"

RBI Grade 'B' Officer Mains Exam Paper III - 2010

Finance And Management

Common Instructions:

(1) Attempt any three questions from Section I and any two questions from Section II.
(2) All questions carry equal marks.
(3) Answers must be brief and to-the-point.
(4) Answers may be written either in English or in Hindi at the candidate’s option. However, all the questions should be answered only in the language so chosen. Answer-books written partly in English and partly in Hindi will not be evaluated.

SECTION I

1. Explain the different aspects of the Indian Capital Market. What has been the role of SEBI in this task ?

2. What is foreign exchange risk ? How can it be managed ? Discuss the tools used for the purpose.

3. What is credit rating ? Discuss its benefits and limitations.

4. Briefly discuss the framework put in place by the Reserve Bank of India for the supervision of banks and financial institutions.

5. What are the arguments advanced in favour of foreign direct investment ?

What steps have been taken by the Government in the period after 1991 to encourage foreign direct investment ?

IBPS / SBI Special TX: 
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(Papers) IBPS PO Exam Paper - 2013 "Held on: 27-10-2013" ::ENGLISH LANGUAGE::

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(Papers) IBPS PO Exam Paper - 2013 "Held on: 27-10-2013"

::ENGLISH LANGUAGE::

DIRECTIONS (Qs. 1-8) : Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you to locate them while answering some of the questions.

The great fear in Asia a short while ago was that the region would suffer through the wealth destruction already taking place in the U.S as a result of the financial crisis. Stock markets tumbled as exports plunged and economic growth deteriorated. Lofty property prices in China and elsewhere looked set to bust as credit tightened and buyers evaporated. But with surprising speed, fear in Asia swung back to greed as the region shows signs of recovery and property and stock prices are soaring in many parts of Asia. Why should this sharp Asian turnaround be greeted with skepticism? Higher asset prices mean households feel wealthier and better able to spend, which could further fuel the region's nascent rebound. But just as easily, Asia could soon find itself saddled with overheated markets similar to the U.S. housing market. In short, the world has not changed, it has just moved placed. The incipient bubble is being created by government policy. In response to the global credit crunch of 2008. Policy makers in Asi< slashed interest rates and flooded financial sectors with cash in frantic attempts to keep loans flowing and economies growing. Thesf steps were logical for central bankers striving to reverse a deepening economic crisis. But there is evidence that there is too much easy money around. It's winding up in stocks and real estate, pushing prices up too far and too fast for the undenying economic fundamentals. Much of the concern is focused on China where government stimulus efforts have been large and effective, Money ir China has been especially easy to find. Aggregate new bank lending surged 201% in first half of 2009 from the same period a yea earlier, to nearly 51.1 turn on. Exuberance over a quick recovery which was given a boost by China's surprisingly strong 7.9% GDI growth in the second quarter has buoyed investor sentiment not just for stocks but also for real estate. Former U.S. Federal Reserve Chairman Alan Greenspan argued that bubbles could only be recognised in hand sight. But investor who have been well schooled in the dangers of bubbles over the past decade are increasingly wary that prices have risen too far ant that the slightest bit of negative, economic news could knock markets for a loop. These fears are compounded by the possibility that Asia's central bankers will begin taking stops to shut off the money. Rumours that Beijing was on the verge of tightening cred led to Shanghai stocks plunging 5%. Yet many economists believe that, there is close to a zero possibility that the Chines government will do anything this year that constitutes tightening. And without a major shift in thinking, the easy-money condition will stay in place. In a global economy that has produced more dramatic ups and downs than anyone thought possible over the pas two years. Asia may be neading for another disheartening plunge.

1. To which of the following has the author attributed the 2008 Asian financial crisis?

A. Reluctance or Asian governments to taper off the economic stimulus.
B. Greed of Asian investors causing them to trad stocks of American companies at high prices.
C. Inflated real estate prices in Asian countries.

(a) None
(b) Only (A)
(c) Only (C)
(d) (A) and (B)
(e) Only (B)

2. What does the author want to convey through the phrase "The world has not changed it has just moved places"?

(a) At present countries are more dependent on Asian economies than on the US economy
(b) Economies have become interlinked on account of globalisation
(c) Asian governments are implementing the same economic reforms as developed countries
(d) All economies are susceptible to recession because of the state of the US economy
(e) None of the above

3. Which of the following can be said about the Chinese government's efforts to revive the economy?

(a) These were largely unsuccessful as only the housing market improved
(b) The governments only concern was to boost investor confidence in stocks
(c) These efforts were ineffectual as the economy recovered owing to the US market stabilising
(d) These were appropriate and accomplished the goal of economic revival
(e) They blindly imitated the economic reforms adopted by the US

4. Why do experts predict that Asian policymakers will not withdraw fiscal stimulus?

A. The US economy is not likely to recover for a long time.
B. Stock markets are yet to regain their former levels.
C. Fear of revolt by greedy citizens.

(a) None of these
(b) Only (C)
(c) (A) and (C)
(d) Only (B)
(e) (B) and (C)

5. What do the statistics about loans given by Chinese banks in 2009 indicate?

(a) There was hardly any demand for loans in 2008
(b) The Chinese government has borrowed funds from the US
(c) China will take longer than the US to recover from the economic crisis
(d) The GDP of China was below expectations
(e) None of the above

6. Why has investor confidence in the Chinese stock market been restored?

A. Existing property prices which are stable and affordable.
B. The government has decided to tighten credit.
C. Healthy growth of the economy indicated by GDP figures.

(a) Only (C)
(b) (A) and (B)
(c) All (A), (B) and
(C) (d) Only (B)
(e) None of these

7. What is the author's main objective in writing the passage?

(a) Illustrating that Asian economies are financially more sound than those of developed countries
(b) Disputing financial theories about how recessions can be predicted and avoided
(c) Warning Asian countries about the dangers of favouring fast growth and profits over sound economicprinciples
(d) Extolling China's incredible growth and urging other countries to emulate it
(e) Advising governments about the changes in policy to strengthen economic fundamentals

8. Why does the author doubt the current resurgence of Asian economics?

(a) Their economies are too heavily reliant on the American economy which is yet to recover
(b) Central banks have slashed interest rates too abruptly which is likely to cause stock markets to crash
(c) With their prevailing economic conditions they are at risk for a financial crisis
(d) Their GDP has not grown significantly during the last financial year
(e) None of the above

DIRECTIONS (Qs. 9-15) : Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you to locate them while answering some of the questions.

Delays of several months in National Rural Employment Guarantee Scheme (NREGS) wage payments and work sites 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 1 5 days, failing which they are entitled, to compensation under the Payment of Wages Act - upto 3000 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 card 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. Where in 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.

9. What impact have late wage payments had on NREGSworkers?

(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 the above

10. 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

11. 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 work load 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 the above

12. According to the passage, which of the following has/have been the consequence (s) of delayed wage payments?

A. Compensation to victimised workers has amounted to crores.
B. Banks will no longer be entrusted with remitting wages.
C. Regulations to ensure punctual wage payments have come into force.

(a) None of these
(b) Only (A)
(c) (A) and (C)
(d) (A) and (B)
(e) (B) and (C)

13. 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 derai1 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

14. Which of the following is NOT true in the context of the passage?

A. Workers are reluctant to open bank accounts as branches are not conveniently located.
B. Local officials often delay wage payments in drought prone areas to benefit workers.
C. The Government has not implemented ever)' recommendation of the Central Employment Guarantee Council.

(a) Only (B)
(b) (A) and (B)
(c) (B) and (C)
(d) (A) and (C)
(e) All of these

15. 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

DIRECTIONS (Qs. 16-20) : Rearrange the following sentences (A), (B), (C), (D) (E) and (F) into a meaningful paragraph and then answer the questions given below it.

(A) Moreover salaries in public sector enterprises are not as competitive as those offered by private or foreign corporates, connection
(B) This trend should be a wake up call for stakeholders to examine why employees are seeking better opportunities with private companies in India and abroad.
(C) Public Sector Enterprises (PSEs) have been experiencing severe challenges in attracting motivating and retaining their key staff.
(D) Having identified these as the reasons employees leave PSEs it is important empower stakeholders to find ways to remedy the situation.
(E) One reason is that young employees lured away to private firms are more willing to undertake professional risks.
(F) Employees in specialist roles especially have become increasingly difficult to retain.

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

(a) A
(b) B
(c) C
(d) D
(e) E

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

(a) A
(b) B
(c) C
(d) D
(e) F

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

(a) A
(b) B
(c) C
(d) D
(e) E

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

(a) A
(b) B
(c) C
(d) D
(e) E

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

(a) A
(b) B
(c) C
(d) D
(e) E

Printed Study Material for IBPS PO Exam

IBPS / SBI Special TX: 
Subject: 
General: 

(Paper) RBI Grade 'B' Officer Mains Exam Paper III - 2011 "Finance And Management"

RBI Grade 'B' Officer Mains Exam Paper III - 2011

Finance And Management

Common Instructions:

(1) Attempt any three questions from Section I and any two questions from Section II.
(2) All questions carry equal marks.
(3) Answers must be brief and to-the-point.
(4) Answers may be written either in English or in Hindi at the candidate’s option. However, all the questions should be answered only in the language so chosen. Answer-books written partly in English and partly in Hindi will not be evaluated.

Section I

1. What is meant by merchant banking ? Discuss in detail the various functions performed by merchant bankers.

2. Briefly explain the salient features of the Foreign Exchange Management Act.

3. “ A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future generations.” Explain.

4. Explain in detail the different methods of credit control in India.

5. (a) What is securitization ? What purpose does it serve ?
(b) Discuss the benefits and limitations of securitization.

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RBI Grade “B” Officers Mains Exam Paper "held in April, 2012" Paper 3- Finance and Management

RBI Grade “B” officers’ Mains (Descriptive) exam was held in April 2012

Paper 3: Finance and Management

Section I (Write Any Three Qs)

  1. What is meant by merchant banking? Discuss in detail the various functions performed by merchant bankers.
  2. Briefly explain the salient features of the Foreign Exchange Management Act.
  3. “A tax is a burden on the present ; a debt (loan) puts the burden of repayment on future generations.” Explain.
  4. Explain in detail the different methods of credit control in India.
  5. (a) What is securitization? What purpose does it serve? (b) Discuss the benefits and limitations of securitization.
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