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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 - 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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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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(Papers) IBPS PO Exam Paper - 2017-QUANTITATIVE APTITUDE

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(Papers) IBPS PO Exam Paper - 2017 


:: ::QUANTITATIVE APTITUDE:: ::


Note : There were 4 shifts on 7 Oct. In Some shifts 5 questions on quadratic were asked in place of 5 series.

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(Papers) IBPS PO Exam Paper - 2017-REASONING ABILITY

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(Papers) IBPS PO Exam Paper - 2017 


:: REASONING ABILITY ::


Direction (1-5): Read the following information carefully and answer the questions given below.

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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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(Papers) IBPS PO Exam Paper - 2016 "Held on: 20-11-2016" ::COMPUTER KNOWLEDGE::

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 20-11-2016"

::COMPUTER KNOWLEDGE::

1. Assembly is a _______ based low-level language replacing binary machine-code instructions, which are very hard to remember, it is the classic and uncontroversial example of a low level language.

(a) Memory
(b) High Level
(c) Key
(d) Mnemonic
(e) FORTRAN

2. China now has more of the world's fastest supercomputers than other countries. Which among the following is a Chinese super computer?

(a) BlueGene/Q system
(b) Cray XC30
(c) Shaheen II
(d) Fujitsu's K
(e) Tianhe-2

3. AT&T designed its first commercial modem, specifically for converting digital computer data to analog signals for transmission across its long distance network. What is the name of the modem?

(a) Telex
(b) Memex
(c) CompuServe
(d) Bell 103 dataset
(e) Dataphone

4. In Computer programming there is set of subroutine definitions, protocols, and tools for building software and applications. Which among the following is a term for sets of requirements that govern how one application can talk to another?

(a) UPS
(b) API
(c) CGI
(d) J2EE
(e) OLE

5. BSoDs can be caused by poorly written device drivers or malfunctioning hardware, such as faulty memory, power supply issues, overheating of components, or hardware running beyond its specification limits. Which color screen is displayed when encountered a BSOD Error?

(a) Red
(b) Grey
(c) Black
(d) Blue
(e) Green

6. Which among the following is a cloud computing platform and infrastructure created by Microsoft?

(a) Simple Storage Service
(b) Atmos
(c) Openstack Swift
(d) OceanStore
(e) Azure

7. After a credit card transaction has been authorized by the issuing bank by sending an authorization code to the merchant, the settlement stage of the process begins.

Which of the following is a system type used to process such statements?

(a) Multitasking
(b) Memory Processing
(c) Level Processing
(d) Batch Processing
(e) Online Processing

8. There is a network that can connect networks ranging from small location or area to a bigger range including public packet network and large corporate networks. That network's enterprise allows users to share access to applications, services and other centrally located resources. Its ability for a huge geographical access has transformed networking. Which among the following is that network?

(a) SAN
(b) CAN
(c) LAN
(d) WAN
(e) MAN

9. Which cloud is a cloud computing environment that uses a mix of on-premises, private cloud and third-party, public cloud services with orchestration between the two platforms and it is particularly valuable for dynamic or highly changeable workloads?

(a) Dynamic Cloud
(b) Advance Cloud
(c) Hybrid Cloud
(d) Sharing Cloud
(e) Combined Cloud

10. Which among the following is not an Object Oriented Programming Language?

(a) Python
(b) PASCAL
(c) Java
(d) C++
(e) Ruby

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 20-11-2016" ::GENERAL AWARENESS WITH REFERENCE TO SPECIAL BANKING::

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 20-11-2016"

::GENERAL AWARENESS WITH REFERENCE TO SPECIAL BANKING::

1. The Nobel Peace Prize 2016 has been awarded to ______ .

(a) Juan Manuel Santos
(b) Oliver Hart
(c) Bengt Holmstrom
(d) Svetlana Alexievich
(e) Bob Dylan

2. Who among the following India's Paralympic athletes has won the title of Gold Javelin F46 in Rio 2016 Paralympic Games?

(a) Varun Singh Bhati
(b) Deepa Malik
(c) Amit Kumar Saroha
(d) Mariyappan Thangavelu
(e) Devendra Jhajaria

3. What is the Ramanujam committee constituted for?

(a) To keep tab on the child trafficking
(b) To check corruption in Banks
(c) To oversee the foreign trade
(d) To avoid obsolete laws
(e) To check border dispute with Bangladesh

4. How much per cent of the Indian population have access to internet in India in 2015?

(a) 20 percent
(b) 23 percent
(c) 29 percent
(d) 26 percent
(e) None of the above

5. According to the 2016 Jane's Defence Budgets Report, India's position among the global defence spender is _____________.

(a) Fourth
(b) Third
(c) Ninth
(d) Fifth
(e) Seventh

6. Which e-commerce website has partnered with National Highways Authority of India (NHAI) to enable cashless payments at all national and city toll plazas?

(a) Paytm
(b) Mobikwik
(c) Freecharge
(d) Oxigen
(e) UPI

7. Who among the following has been named as the 2016 ITF World Champions by the International Tennis Federation?

(a) Rafael Nadal
(b) Andy Murray
(c) Roger Federer
(d) Novak Dokovic
(e) None of the above

8. The National Green Tribunal (NGT) in December 2016 imposed a ban on the procurement, sale and use of glass powder coated 'manja' for flying kites. Who is the Chairman of NGT?

(a) Lokeshwar Singh Panta
(b) Jagdish Singh Khehar
(c) Dinesh Saxena
(d) Jasmine Sharma
(e) Swatanter Kumar

9. Which state government has enacted a stringent law called Protection of Internal Security Act to deal with the challenges of terrorism, insurgency, communalism and caste violence?

(a) Gujarat
(b) Uttar Pradesh
(c) Bihar
(d) Maharashtra
(e) Nagaland

10. India signed an MoU with which country for strengthening cooperation in the field of Tourism?

(a) Tajikistan
(b) Turkmenistan
(c) Uzbekistan (d) Kyrgyzstan
(e) UAE

11. Which of the following does not fall into the functions of Payments Banks?

(a) acceptance of demand deposits
(b) Internet banking
(c) remittance services
(d) lending services
(e) Sell mutual funds, insurance and pension products

12. Loan and Advances of a bank come under the category of ______________.

(a) Deposits
(b) Expenditure
(c) Liabilities
(d) Assets
(e) None of the above

13. If the rupee depreciates, how the exporters are affected?

(a) They are unaffected
(b) They are in loss
(c) They are in profit
(d) They get credit crunch
(e) None of these

14. The rate of inflation increases when the purchasing power of money___________ .

(a) Decreases
(b) Increases
(c) Stable
(d) Decrease just half
(e) None of these

15. The high-security banknote production facility which is credited with the design of the Rs 2000 banknote has been set up at _____________ .

(a) Nasik
(b) Dewas
(c) Mysuru
(d) Noida
(e) Kolkata

16. For the buying and selling of precious metals such as Gold and Silver, the market established is termed as ________ .

(a) Capital Market
(b) Money Market
(c) Bullion Market
(d) wholesale cash market
(e) None of the Above

17. To release wages under the Mahatma Gandhi National Rural Employment Guarantee Scheme direct and faster, an electronic fund management system has been launched by ____________.

(a) State Bank of Hyderabad
(b) State Bank of Travancore
(c) State Bank of India
(d) Oriental Bank Corporation
(e) Exim Bank

18. Which among the following is the slogan of Allahabad Bank?

(a) A tradition of trust
(b) World wise
(c) Honour your trust
(d) Invest with confidence
(e) Trusted family bank

19. Which among the following is the difference in value between a country's imports and exports?

(a) Balance of Trade
(b) Balance of Payment
(c) Balance of power
(d) Credit Balance
(e) None of the above

20. What is Cash Reserve Ratio?

(a) Deposits of banks in government securities
(b) Rate at which banks borrow funds from the RBI
(c) Deposits (as cash) which banks have to keep/maintain with the RBI
(d) Rate at which RBI borrows money from the banks
(e) Rate at which RBI borrows money from the government

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(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 ?

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016" ::QUANTITATIVE APTITUDE::

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016"

::QUANTITATIVE APTITUDE::


1. Vikram invests some money in three different schemes for 4 years, 8 years and 12 years at 10%, 15% and 20% Simple Interest respectively. At the completion of each scheme, he gets the same interest. The ratio of his investments is

(a) 6 : 2 : 1
(b) 5 : 2 : 1
(c) 5 : 2 : 3
(d) 5 : 2 : 7
(e) None of these

2. A sum of `3903 is divided between P and Q such that the share of P at the end of 8 years is equal to the share of Q after 10 years. Find the share of P if rate of interest is 4% compounded annually.

(a) 2012
(b) 2029
(c) 2028
(d) 2081
(e) None of these

3. Shopkeeper purchased some goods for `900 and sold onethird of the goods at a loss of what 12%, then at gain % should the remainder goods he sold to gain 18% profit on the whole transaction ?

(a) 31%
(b) 26%
(c) 33%
(d) 18%
(e) None of these

4. A truck covers a distance of 376 km at a certain speed in 8 hours. How much time would a car take at an average speed which is 18 kmph more than that of the speed of the truck to cover a distance which is 14 km more than that travelled by the truck ?

(a) 6 hours
(b) 5 hours
(c) 7 hours
(d) 8 hours
(e) 7.5 hours

5. Two trains are moving in opposite directions at 60 km/hr and 90 km/hr. Their lengths are 1.10 km and 0.9 km respectively. The time taken by the slower train to cross the faster train in seconds is:

(a) 58 sec
(b) 50 sec
(c) 48 sec
(d) 56 sec
(e) None of these

6. James' father was 30 years old when he was born. His mother's age was 24 when his sister who is 5 years younger to him, was born. What is the difference between the age of James' father and mother?

(a) 8
(b) 10
(c) 6
(d) 11
(e) 9

7. The average monthly expenditure of Mr. Ravi's family for the first three months is `2,750, for the next three months is `2,940 and for the last three months `3,150. If his family saves `4980 for nine months, find the average monthly income of the family for the 9 months?

(a) `3800
(b) `3500
(c) `3400
(d) `4200
(e) `4500

8. A and B undertake to complete a piece of work for Rupees 1200. A can do it in 8 days, B can do it in 12 days and with the help of C they complete the work in 4 days. Find the share of C?

(a) 100
(b) 200
(c) 300
(d) 400
(e) None of these

9. Three pipes A, B, and C can fill the tank in 10 hours, 20 hours and 40 hours respectively. In the beginning all of them are opened simultaneously. After 2 hours, tap C is closed and A and B are kept running. After the 4th hour, tap B is also closed. The remaining work is done by tap A alone. What is the percentage of the work done by tap A alone?

(a) 30 %
(b) 35 %
(c) 45 %
(d) 50 %
(e) None of these

10. In a school the number of boys and girls are in the ratio of 4:7. If the number of boys are increased by 25% and the number of girls are increased by 15%. What will be the new ratio of number of boys to that of girls?

(a) 100:131
(b) 100:151
(c) 100:161
(d) 100:181
(e) None of these

DIRECTIONS (11-15) : In these questions, a number series is given. Find out the missing number.

11. 279936, 46656, 7776, 1296, 216, ?

(a) 60
(b) 66
(c) 46
(d) 26
(e) 36

12. 139, 142, 133, 160, 79, ?

(a) 326
(b) 322
(c) 331
(d) 340
(e) 355

13. 164, 40, ?, 43, 188

(a) 224
(b) 68
(c) 90
(d) 176
(e) None of these

14. 96, 320, 800, 1600, ?

(a) 640
(b) 2666.7
(c) 2500
(d) 2400
(e) None of these

15. 6 4 6 12 22 ?

(a) 26
(b) 36
(c) 86
(d) 66
(e) 46

Printed Study Material for IBPS PO Exam

IBPS PO (Probationary Officer) Exam 2018 Study Materials

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(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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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016" ::REASONING ABILITY::

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016"

::REASONING ABILITY::

1. What should come in place of question mark in the expression P>Q ? R < T < S so as to make the expressions P>R and S>Q always true?

(a) =
(b) >
(c) <
(d) ³
(e) None of these

2. What should come in place of question mark in the expression A = B >C ? D< E = F so as to make the expression F>C always true?

(a) >
(b) =
(c) ³
(d) £
(e) Both (b) and (d)

3. Statements: P = S, P < Q, R £ Q, R£ T
Conclusions : a) Q > S b) Q = T

(a) Only one follow
(b) Only two follow
(c) Neither follows
(d) Both follow
(e) Either follow

4. Statements: - A > N, K ³ N, K > M, R > M
Conclusions: - a) M = N b) R ³ A

(a) Only one follow
(b) Only two follow
(c) Neither follows
(d) Both follow
(e) Either follow

5. What should come in place of question mark to make B > D always true?

A = B > C ? D <E

(a) >
(b) <
(c) ³
(d) £
(e) both a and c

DIRECTIONS (6-10): Read the information carefully and answer the questions that follows:

(a) only I follows
(b) only II follows
(c) either I or II
(d) neither I nor II
(e) both I and II

6. Statements: Some pens are pencils. Some pencils are erasers. Some erasers are sharpeners. Some sharpeners are dusters.

Conclusions:

I. Some sharpeners are not pencils.
II. All dusters are pens.

7. Statements: All squares are circles. No circle is cone. Some cones are spheres. Some rectangles are circles.

Conclusions:

I. All rectangles being cones is a possibility
II. All rectangles being sphere is a possibility

8. Statements: All squares are circles. No circle is cone. Some cones are spheres. Some rectangles are circles.

Conclusions:

I. Some rectangles are not cones.
II. No square is cone

9. Statements: Some reds are greens. All greens are blues. All blues are oranges. No yellow is blue.

Conclusions:

I. No red is yellow.
II. Some oranges are greens

10. Statements: Some reds are greens. All greens are blues.
All blues are oranges. No yellow is blue.

Conclusions:

I. Some yellows are greens is a possibility.
II. All yellows being oranges is a possibility

11. Anil starts walking in east direction and after travelling some distance he took a right turn and then a left turn followed by another left turn. Now he again took a right turn and finally took a left turn. In which direction is anil walking.

(a) south
(b) north
(c) east
(d) west
(e) None of these

DIRECTIONS(Qs.12-15) Study the following information carefully to answer the given questions. Eight people A, B, C, D, E, F, G and H are sitting in a traight line with equal distances between each other,but not necessarily in the same order. Some of them are facing North and some of them are facing south.

• A sits at one of the extreme ends of the line. Only three people sit between A and G. E sits exactly between A and G.
• H sits third to the right of (e) B is an immediate neighbour of H and faces south. C sits second to the right of F. C is not an immediate neighbour of G.
• Immediate neighbour of G face opposite directions(i.e. if one neighbour faces North then the other neighbour faces south and Vice-Versa)
• A and D face the same direction as E(i.e if E faces north then A and D also face North and Vice-Versa). Both the immediate neighbours of E face south.

12. In the given arrangement, if two people come and sit to the immediate left of E, how many people will sit between F and C?

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

13. Who amongst the following sits third to the right of F?

(a) A
(b) B
(c) Other than those given as options
(d) D
(e) E

14. How many people face North as per the given arrangement?

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

15. Four of the following five are alike in a certain way based upon their seating arrangement and so form a group. Which of the following does not belong to the group?

(a) EC
(b) AF
(c) BF
(d) CG
(e) DG

16. Who amongst the following sits at the extreme end of the row?

(a) B
(b) C
(c) D
(d) E
(e) Other than those given as options

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016" ::ENGLISH LANGUAGE::

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(Papers) IBPS PO Exam Paper - 2016 "Held on: 16-10-2016"

::ENGLISH LANGUAGE::

DIRECTIONS (1-7): Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you locate them while answering some of the questions.

Globalization is the objective trend of economic development in the world today, featured by free flow and optimized allocation of capital, technology, information and service in the global context. It is the inevitable result of the development of productive forces and advances of science and technology, especially the revolution of information technology since the1980s and 1990s. The influence of globalization on countries at different stages of development is entirely different. The "dividends" derived from globalization are not fairly distributed. The developed countries have apparent advantages in capital, technology, human resources and administrative expertise and in setting
the "rules of the game". They are usually the biggest beneficiaries of globalization. The developing countries on the other hand are on the whole in an unfavorably position.
Developing countries can obtain some foreign investment, advanced technologies and management expertise, but at the same time they are the most vulnerable to the negative impacts of globalization and lack the ability to effectively fend off and reduce the risks and pitfalls that come along with globalization. In the 1990s, especially in recent years, the gap between the North and the South has further widened. The economic sovereignty and economic security of the developing countries are confronted with enormous pressure and stern challenges. Some least-developed countries are even on the brink of being marginalized by globalization. Therefore, in participation of globalization, developing countries should always be on alert and try by all means to exploit the advantages and avoid all kinds of risk and harm. In the past 20-odd years, China has maintained an annual growth rate of over 9.3% on average. China is now the 6th largest economy and the 5th largest trading nation in the world. More than 200 million people have been lifted out of poverty. The above accomplishments were achieved against the backdrop of a volatile international situation. The reason why China was so successful in such a short period of time and in a constantly changing international environment is because China has found its own road of development i.e, to base what we do on the realities of China while sticking to the basic system of socialism, reforms should be carried out to solve the problems of incompatibility between the productive forces and
the relations of production, and between economic base and the superstructure, so as to achieve self-perfection of socialism. Every country is different from the other. It opens not only to developed countries, but also to developing countries, not only in economic field, but also in all areas of social development. At the same time, it is not a blind
opening, but a self-conscious one, not a disorganized opening but a systematic one. China's opening proceeds and deepens in a gradual and step by step fashion. It started from the 4 special economic zones, to coastal cities, then to capital cities of inland provinces and now it has reached an unprecedented stage of all-round opening demonstrated by China's accession to the World Trade Organization. During its opening-up, China paid special attention to give full play to its comparative advantages to actively conduct international cooperation and competition. For instance, China has fully exploited its advantages of low cost of labour to attract foreign investment and technology to push economic development and better efficiency and quality of economic growth. These measures have brought the Chinese economy increasingly integrated
with the world economy. China has learnt many lessons and accumulated rich experiences in dealing with globalisation from its practice of reform and opening-up. To adopt opening-up policy. It opens not only to developed countries, but also to developing countries, not only in economic field, but also in all areas of social development. At the same time, it is not a blind opening, but a self-conscious one, not a disorganized opening but a systematic one. China's opening proceeds and deepens in a gradual and step by step fashion. It started from the 4 special economic zones, to coastal cities, then to capital cities of inland provinces and now it has reached an unprecedented stage of all-round opening demonstrated by China's accession to the World Trade Organization. During its opening-up, China paid special attention to give full play to its comparative advantages to actively conduct international cooperation and competition. China's participation in Globalization is by no means a one-way street. When the world economic growth remains weak, China's economy is one of the few bright spots. As World Bank Report on Global Development Finance 2003 published in early April pointed out that China's fast growth "helped to drive the recovery in East Asia. Together with policy stimulus in other countries, China's performance lifted the region to growth of 6.7 % in 2002, up from 5.5% in 2001.China has also provided the world with the largest rising market. When more than 1.25 billion people become well-off, the demand on everything will be enormous. Just to give you an example, in the coming 10 years alone, China will import US$ 2 trillion of goods from the outside world. It goes without saying that we are also facing many challenges. For instance, with the accession to the WTO, China is faced with growing pressure from international competition. China's enterprises have to cope with fiercer competition not only at international market, but at home market as well. Nevertheless, opening the country to the outside world is China's basic and long-term state policy. China is committed to opening still wider to the outside world in an all-directional and multi-tiered way, with an even more active approach.

1. Why the "dividends" derived from globalization are not fairly distributed?

(a) Apprehension in embracing and seizing the opportunities presented by globalization
(b) Failing to adopt reforms to keep up with the steps of the changing world.
(c) Political disadvantage due to inactivity in the developing countries.
(d) Due to the lack of a just and equitable international economic order
(e) None of these.

2. What reason author has given for China’s achievement in such a short span of time?

(a) Signficant modifications in the basic system of socialism.
(b) Framing their models on Chinese characteristics rather than relying on plagiarism.
(c) As they gave much more impetus on advancement in technology, human resources and administrative expertise
(d) Their responsible approach as they remained vigilant against various risks, especially financial risks.
(e) None of these

3. Which of the following is the most suitable term for the nature of Chinese opening to the outside world?

(a) Progressive
(b) Self conscious
(c) Comprehensive
(d) Discerning
(e) Selective

4. How according to author China is contributing to World Economy?

(a) By giving the road development to other developing countries so that they can follow the same path.
(b) By providing a huge market to the World to supply the needs of billion uplifted Chinese population.
(c) By new advancements in technology and human resources.
(d) Focusing their attention to conduct international cooperation and competition.
(e) None of these.

5. Which of the following statement(s) is/ are true in context of the passage?

(i) Developing countries are raising their concern over China’s commitment to even more active approach towards opening to World.
(ii) Developing countries are usually the most active propellers of globalization.
(iii) China’s rise is a threat for the developing countries like America.

(a) Only (ii)
(b) Both (i) and (iii)
(c) Both (i) and (ii)
(d) Only (i).
(e) All of the above

6. What is the challenge that is faced by China?

(a) Need to fulfill the enormous demands of more than a billion Chinese people who have recently escaped from poverty.
(b) Adapting to the model adopted by the other countries so as to not get isolated.
(c) Growing pressure from the international market.
(d) Opening the country to the outside world
(e) None of these

7. Which of the following statement is false?

(a) Low cost of labour in China is key to attract foreign investment.
(b) Achieving self-perfection of socialism is a reason for China's incredible growth
(c) Developing country can suffer economically due to globalization.
(d) China is facing a much fiercer competition at home compared to international markets.
(e) None of these.

DIRECTIONS (8-12): Rearrange the following Six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A-It is the only country in the world that is carbon negative, which means it produces more oxygen than it consumes. B-Bhutan, sandwiched between the two most populous
nations on Earth, suffers for their sins. C-So far, so good. But then, two things happened. D-Carbon sinks, 70% forest cover, powered almost entirely by mountain streams—Bhutan is a poster child for green living. E-Glaciers are beginning to melt, flash floods and heavy rains—and even droughts—are common, and temperatures are climbing. F-One, India and China got richer.

8. Which of the following should be the First sentence of the given paragraph?

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

9. Which of the following should be the Third sentence of the given paragraph?

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

10. Which of the following should be the LAST sentence of the given paragraph?

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

11. Which of the following should be the Fourth sentence of the given paragraph?

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

12. Which of the following should be the Second sentence of the given paragraph?

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

DIRECTIONS (Q.13-20): In the following passage, youhave abrief passage. In the following passage, some of the words have been left out. First read the passage over and try to understand what it is about. Then fill in the blanks with the help of the alternatives given. Big ideas come from tackling --83-- problems. When one is confronted with an overwhelming task, it’s pieces. Business jargon is full of phrases about that, like “pilot projects” and “low-hanging fruit.” They have their place, but in the repertory of management --84---, they should share their place with bold approaches to big challenges. Much of today’s most valuable management knowledge came from wrestling with such issues. The most complicated workplace in the middle of the last century was the automobile assembly plant. Drawn to its complexity where Peter F. Drucker, W. Edwards Deming, and Taiichi Ohno, among others. The work they and their disciples did, applied in industry after industry, is the basis of the best that we know about operations, managing people, innovation, organizational design, and much more. The most complex workplaces are tertiary care hospitals. These vast --85-- employ tens of thousands of people who, under one roof, do everything from neurosurgery to laundry. Each patient – that is to say, each “job” — calls on a different set of people with a different constellation of ---86---; even when the two patients have the same diagnosis, success may be --87-- differently. This is complexity of an order of magnitude greater
than automobile assembly, and anyone who --88--- hospitalized knows that management has thus far been unequal to the scope of task. The workers, managers, consultants, and scholars --89-- crack this nut will reshape industries and institutions just as ---90--- as Drucker, Deming, and Ohno did.

13. (a) Small
(b) big
(c) Irrelevant
(d) Buildings
(e) minor

14. (a) Weakness
(b) Strength
(c) Power
(d) practice
(e) symptom

15. (a) houses
(b) institute
(c) demagogue
(d) Forts
(e) enterprises

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(Paper) RBI Grade 'B' Officer Mains Exam Paper III - 2014 "Finance And Management"



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

Finance And Management



Common Instruction:

(1) Attempt any three questions from Section I and any two from Section II.
(2) In case the candidate answered more than Five questions, only the first five answers will be evaluated and the rest of the answers will be ignored.
(3) All questions carry equal marks.
(4) Each question should be answered on new page and the question number must be written on the top.
(5) The answers of parts of the same question, if any, should be written together. In other words, the answer of another questions should not be written in-between the Parts of a question.
(6) Marks will be deducted for illegible hand-writing.
(7) Answers must be brief and to the point.
(8) Answers must be written either in English or in Hindi. However, all the questions should be answered in one language only. Answer-books written partly in English and partly in Hindi will not be evaluated.
(9) Candidate should use only Blue or Black ink pen/Ball point pen to write the answers.
(10) The Name, Roll No. and other entries should be written in the answer-scripts at the specified places only and these should not be written anywhere else in the answer script and supplements used, if any.

SECTION I

1. State the different types of exchange risks inherent in foreign exchange business.

2. Briefly explain the Union Budget, 2014-2015 provisions relating to financial, banking and insurance sectors.

3. Trace the developments in financial sector reforms in India since 1991.

4.

(a) Explain in brief the provisions of R. B. I. Act,1934.
(b) Write a note on R. B. I. ’s attempt in giving differential licenses for small banks.

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015" ::REASONING ABILITY::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015"

::REASONING ABILITY::


DIRECTIONS (Qs. 1-5) : Each of the questions below cionsists of a question and two statements numbered I and II given below it. You have to decide whether the data provided in the statements are sufficient to answer the question. Read both the statements and____

Give answer (a) If the data in statement I alone are sufficient to answer the questions, while the data in statement II alone are not sufficient to answer the question.
Give answer (b) If the data in statement II alone are sufficient to answer the question, while the data in statement I alone are not sufficient to answer the question.
Given answer (c) If the data either in statement I alone or in statement II alone are sufficient to answer the question.
Give answer (d) If the data even in both statement I and II together are not sufficient to answer the question.
Give answer (e) If the data in both statements I and II together are necessary to answer the question

1. How is ‘party’ coded in the language ?

I. ‘going to a party’ is coded as ‘la fa qu tu’ and ‘for a party’ is coded as ‘fa me tu’.
II. ‘start the party’ is coded as ‘tu co ra’ and ‘going to start’ is coded as ‘qu co la’.

2. On which day of the week is Priya definitely travelling ?

I. Amita correctly remembers that Priya is travelling after Tuesday but before Saturday. Rohit correctly remembers that Priya is travelling before Friday but after Monday.
II. Priya does not travel on a Friday.

3. How is P related to A ?

I. A is the daughter of M and the sister of S.
II. K is the son of P and the husband of M.

4. Four movies are screened from Monday to Thursday, (one on each day starting on Monday and ending on Thursday) viz - Crash, Social Network, Ice Age and Notting Hill. On which day is the movie Crash screened ?

 I. Social Network is screened on the last day.
II. Neither Ice Age nor Notting Hill are screened on Monday.

5. Who sits to the immediate right of Ayesha ?

I. Four friends Shradha, Tania, Vimla and Ayesha are sitting around a circular table facing the centre.
II. Shardha sits second to the right of Tania. Vimla is an immediate neighbour of Shradha.

DIRECTIONS (Qs. 6-10) : Study the following information to answer the given questions

A word and number arrangement machine when given an input line of words and numbers rearranges them following a particular rule. The following is an illustration of input
and rearrangement. (Single digit numbers are preceded by a zero. All other numbers are two digit numbers) Input : Good 18 to raise 02 12 money 28 for 57 charity 09.

Step I : to good 18 raise 02 12 money 28 for charity 09 57.
Step II : to raise good 18 02 12 money for charity 09 28 57.
Step III : to raise money good 02 12 for charity 09 18 28 57.
Step IV : to raise money good 02 for charity 09 12 18 28 57.
Step V : to raise money good for charity 02 09 12 18 28 57.
Step V : is the last Step of the arrangement of the above input as the intended arrangement is obtained.

DIRECTIONS (Qs. 6-7) : These questions are based on the following input: Input : always 19 give 21 84 for 62 14 worthy cause

6. Which of the following would be step III for the above input ?

(a) worthy give for always 19 14 cause 84 62 21.
(b) worthy give for always 14 19 cause 21 62 84.
(c) always give for worthy 19 14 cause 21 62 84.
(d) worthy give for always 19 14 cause 21 62 84.
(e) always give for cause 19 14 worthy 21 62 84.

7. How many steps would be needed to complete the arrangement for the above input ?

(a) VI
(b) V
(c) IV
(d) VII
(e) None of these

DIRECTIONS (Qs. 8-10) : These questions are based on the following input : Input : 50 62 tips on 67 how can 42 stay young 17 89 forever 03.

8. The following stands for which step of the arrangement ? young tips stay 50 on how can 42 17 forever 03 62 67 89.

(a) Step III
(b) Step V
(c) Step VI
(d) Step IV
(e) None of these

9. Which of the words/numbers below would be at the fifth position (from the right end) in Step V of the input ?

(a) forever
(b) 42
(c) 50
(d) young
(e) None of these

10. Which of the following would be the last step for the input?

(a) young tips stay on how forever can 03 17 42 50 62 67 89.
(b) young tips stay on how forever can 89 67 62 50 42 17 03.
(c) can forever how on stay tips forever 89 67 62 50 42 17 03.
(d) young tips stay on how forever can 03 17 42 50 67 62 89.
(e) can forever how on stay tips young 03 17 42 50 62 67 89.

DIRECTIONS (Qs. 11-13) : Read the followign information carefully and answer the quesitons that follow.

Ruling governments in the west are being punished by the voters for ever rising unemployment rates. Their parliament is abuzz with campaigns, marked by criticism of India as an outsourcing hub. India is seen by many in the west as a land of call centres and back offices with cheap labour that cost people in the west, their jobs.

11. Which of the following statements would weaken the argument given in the passage ?

(a) Outsourced jobs do not require highly skilled and qualified employees.
(b) Nearly 34% of the unemployed people would secure jobs in the west if outsourced jobs were in sourced by their organisations
(c) After suffering heavy losses in the elections the governments in the west are expected to change their decision on outsourcing to India.
(d) Outsourcing, a dynamic, two-way relationship has created jobs and growth in India as well as the west.
(e) Although outsourcing to India allowed many companies in west to focus on their core operations, they heavily compromised the quality and the standards of their back office jobs.

12. Which of the following can be a possible repercussion of the opposition to outsourcing in the west ?

(a) Jobs which are currently outsourced to India would be transferred to another country which in all probability would be China.
(b) Call centres and back offices employees in India would expect a salary at par with their western counterparts.
(c) In-sourcing of jobs by the west would render thousands of Indians unemployed.
(d) If in-sourced in the west itself, the companies would not be able to employ professionals and experts of same quality as available in India.
(e) The western companies which earlier outsourced to India would benefit financially as offices would not have to be set overseas.

13. Which of the following can be inferred? (An infernece is something which is not directly stated but can be inferred from the given facts)

(a) Unemployment in India is not as severe a problem as that in the west
(b) Employees working in the back offices and call centres in the west earn much more than their counterparts in India
(c) Developing countries such as China and India do not outsource their back office jobs at all to other countries
(d) Countries which do not outsource jobs do not face the problem of unemployment
(e) One of the main reasons for high unemployment rate in India is its clean of call centres and back offices which undertake outsourced work from the west

DIRECTIONS (Qs. 14-19) : Read the following information carefully and answer the questions that follow.

(K, L, M, P, Q, R, S and T are sitting around a square table in such a way that four of them sit at four corners of the square while four sit in the middle of each of the four sides. The ones who sit at the four corners face outside while those who sit in the middle of the sides face the centre of the table.) P sits third to the right of S. S faces the centre. Q sits third to the left of M. M does not sit in the middle of the sides. Only one person sits between Q and R. R is not an immediate neighbour of M. T faces the centre. K is not an immediate neighbour of R.

14. What is position of M with respect to L ?

(a) Third to the right
(b) M and L sit diagonally opposite to each other
(c) Second to the right.
(d) Second to the left
(e) Fifth to the right

15. Who sits exactly between Q and R ?

(a) T
(b) P
(c) K
(d) M
(e) S and K

16. Which of the following pairs represents the persons seated in the middle of the sides who face each other ?

(a) S, Q
(b) K, L
(c) M, P
(d) R, T
(e) T, Q

17. Who amongst the following sits between R and K when counted in anti-clockwise direction from K ?

(a) No one sits between R and K as R and K are immediate neighbours of each other
(b) S, P and
(c) P and Q
(d) L and R
(e) M, S and T

18. If K is made to face the opposite direction, who would sit to his immediate right ?

(a) R
(b) Q
(c) P
(d) T
(e) S

19. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to that group ?

(a) L
(b) M
(c) K
(d) P
(e) R

DIRECTIONS (Qs. 20-23) : Read the following information and five statements given below it carefully and answer the questions which follow.

Exodus from rural areas to the urban hubs in search of job opportunities has now declined to nearly twenty-six percent of what it was at the turn of 21st century. (A) Since the last decade, the rural economy has transformed itself into a bankable, profit making and commercially viable venture. (B) Job opportunities differ in urban and rural areas (C) The load on infrastructure and resources in the urban areas which had remained unmanageable for a long time has been eased a little since the last decade. (D) This trend of reverse migration which was seen only in developed countries till now has entered the scenes of developing nations as well (E) According to a recent report more than eighty
percent of the professionals having roots in rural areas prefer to work in urban cities rahter than their home villages.

20. Which of the statements numbered (A), (B), (C), (D) and (E) mentioned above respresents an effect of the given information most appropriately ?

(a) B
(b) C
(c) D
(d) C
(e) Either D or E

21. Which of the statements numbered (A), (B), (C), (D) and (E) mentioned above represents a cause of the given information most appropriately ?

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

22. Which of the statements numbered (A), (B), (C), (D) and (E) mentioned above represents an assumption most appropriately ? (An assumption is something supposed or taken for granted)

(a) A
(b) B
(c) C
(d) Both A and C
(e) D

23. Which of the statements numbered (A), (B), (C), (D) and (E) mentioned above would weaken / contradict the facts presented in the paragraph ?

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

DIRECTIONS (Qs. 24) : Question below is followed by three arguments numbered I, II and III. You have to decide which of the argument(s) is/are “strong” and indicate your answer accordingly.

24. Should the Government restrict use of electricity for each household depending upon the requirement?

Arguments :

I. Yes, this will help government tide over the problem of inadequate generation of electricity.
II. No, every citizen has right to consume electricity as per their requirement as they pay for using electricity.
III. No, the Government does not have the machinery to put such a restriction on use of electricity.

(a) Only I is strong
(b) Only II is strong
(c) Only I and II are strong
(d) Only II and III are strong
(e) All I, II and III are strong

25. Statement : Many patients suffering from malaria were administered anti-malarial drug for a week. Some of them did not respond to the traditional drug and their condition deteriorated after four days. Which of the following would weaken the findings mentioned in the above statement?

(a) Those patients who responded to the traditional drugs and recovered were needed to be given additional doses as they reported relapse of symptoms.
(b) The mosquitoes carrying malaria are found to be resistant to traditional malarial drugs.
(c) Majority of the patients suffering from malaria responded well to the traditional malarial drugs and recovered from the illness.
(d) Many drug companies have stopped manufacturing traditional malarial drugs.
(e) None of these

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(Paper) RBI Grade 'B' Officer Mains (Phase II) Exam - 2012 "Economic & Social Issues"

RBI Grade “B” officers’ Mains (Descriptive) Exam - 2012

Paper 2: Economic & Social Issues

Instructions:
  1. 3 hours, 100 marks
  2. Answer any five questions.
  3. All questions carry equal marks.
  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.
  5. Part of the same question must be answered together without answers to other questions intervening.
  6. Answer to each question must be started on a fresh page.
  7. Marks will be deducted if handwriting is not easily legible.
  8. Answers will be judged on the basis of perspective, analysis and presentation

Questions (Attempt any five)

Q.1 Examine the banking sector reform measures undertaken in India since 1991. Briefly describe the recent changes in RBI’s monetary policy.

Q.2 Two Questions

  1. What is sustainable development? What should be done to achieve it?
  2. What is environment management? Explain social and economic aspects of environment management.

Q.3 Two questions

  1. Do you agree with a view that public sector enterprises have played a strategic role in accelerating economic growth? Explain.
  2. Explain the importance of service sector and its contribution to employment in India.

Q.4 Two Questions

  1. Monetary measures have failed to control inflation in India.” Explain. (b) Suggest suitable options for controlling inflation.
  2. Explain the measures and strategies adopted by India on the following subjects

Q.5 Two Question

  1. Provision of Social Security
  2. Foreign Direct Investment.

Q.6 Two questions

  1. Explain the factors responsible for rapid growth of export over the past decade.
  2. What changes have taken place in the product composition of exports in recent years.

Q.7 Two Questions

  1. Religion continues to be an important source of identity for most people in South Asia. Discuss.
  2. Examine the need of secularism in our country with special reference to constitution of India.

Q.8 Two Questions

  1. Is creation of smaller states the right solution to improve the quality of governance and check corruption? Discuss.
  2. Explain the changes in public administration in the age of globalization and liberalization.

Q.9 Two Questions

  1. Caste factor is most dominant and omnipresent in Indian politics ‘. Discuss the statement with suitable illustration.
  2. Explain the impact of reservation policy on scheduled castes and scheduled tribes.

Q.10 Write notes on any two :

  1. Impact of globalization on culture, media and technology.
  2. Role of small and medium enterprises in Indian economy.
  3. Privatization of higher education.
  4. IMF in the changing world.

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015" ::QUANTITATIVE APTITUDE::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015"

::QUANTITATIVE APTITUDE::



DIRECTIONS (Qs. 1-5) : In these questions, a question is given followed by information in three statements. You have to consider the information in all the three statements and decide the information in which of the statement(s) is not necessarily required to answer the question and therefore can be dispensed with. Indicate your answer accordingly.

1. How many students from Institute ‘A’ got placement?

I. Number of students studying in Institutes A & B are in the ratio of 3 : 4 respectively.
II. Number of students who got placement from Institute B is 120% of the number of students who got placement from Institute A.
III. 80% of the students studying in Institute B got placement.

(a) None of the statements can be dispensed with
(b) Only I
(c) Only II
(d) Anyone of the three
(e) Question cannot be answered even with the information in all three statements

2. What is the monthly income of Mr. X?

I. Mr. X spends 85% of his income on various items and remaining amount is saved.
II. Monthly saving of Mr. X are ` 4,500/.
III. Out of the total money spent by Mr. X in a month, one-fifth is spent on food and remaining amount of ` 20, 400 on other items.

(a) Only II
(b) Only III
(c) Only either II or III
(d) Question cannot be answered even with the information in all three statements
(e) None of these

3. What is Suchitra’s present age?

I. Suchitra’s present age is double the age of her son.
II. Ratio between present ages of Suchitra and her mother is 2 : 3 respectively.
III. Four years hence the ratio between Suchitra’s age and her son’s age will be 13 : 24 respectively.

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

4. What is Neeta’s share in the profit earned at the end of 2 years in a joint business run by Neeta, Seeta and Geeta?

I. Neeta invested ` 85,000/ to start the business.
II. Seeta and Geeta joined Neeta’s business after six months investing amounts in the ratio of 3 : 5 respectively.
III. Total amount invested by Seeta and Geeta is ` 2.3 lakhs

(a) Only II
(b) Only III
(c) Only either II or III
(d) Information in all three statements is required for answering the question.
(e) Question cannot be answered even with the information in all three statements.

5. What is the labelled price of the article?

I. Cost price of the article is ` 500/.
II. Selling price after offering 5% discount on the labelled price is ` 608/.
III. Profit earned would have been 28% if no discount was offered.

(a) Only I
(b) Only III
(c) Only II & III
(d) Only I and III
(e) Only I and II

DIRECTIONS (Qs. 6-10) : Study the following graph carefully to answer these questions.

6. What is the average price per kg of wheat and rice sold? (rounded off to nearest integer)

(a) 32
(b) 34
(c) 36
(d) 35
(e) 31

7. If cumin is sold at a 10% discount, the quantity sold doubles. What will be the cost of total quantity of cumin sold on discount?

(a) ` 52,600/
(b) ` 28,800/
(c) ` 32,000/
(d) ` 57,600/
(e) None of these

8. Out of the total quantity of sugar sold, half the quantity is sold at the given rate while half the quantity is sold on a price increased by 20%. What is the total cost of entire quantity of sugar sold?

(a) ` 23,100/
(b) ` 23,800/
(c) ` 22,400/
(d) ` 23,400/
(e) None of these

9. If the quantities sold of Groundnut and Cumin are interchanged, what will be the total cost of quantities sold for these two items together?

(a) ` 62,000/
(b) ` 60000/
(c) ` 65,000/
(d) ` 63,000/
(e) None of these

10. If the quantity of corriander sold is increased by 200% and the price per kg. is reduced by 8%, what will be the total cost of corriander sold?

(a) ` 38, 460/
(b) ` 36,480/
(c) ` 38,640/
(d) ` 36,840/
(e) None of these

DIRECTIONS (Qs. 11-15): Study the following information carefully to answer these questions :

For an examination consisting of three subjects-Maths, Physics and Chemistry, 280 students appeared. When the results were declared, 185 students had passed in Maths, 210 had passed in Physics and 222 had passed in Chemistry. All those except 5 students who passed in Maths, passed in Physics. All those except 10 students who passed in Maths, passed in Chemistry. 47 students failed in all the three subjects. 200 students who passed in Physics also passed in Chemistry.

11. How many students passed in Chemistry only ?

(a) 18
(b) 21
(c) 25
(d) 29
(e) None of these

12. How many students passed in all the three subjects ?

(a) 185
(b) 175
(c) 170
(d) 171
(e) Cannot be determined

13. How many students failed in Physics and Maths ?

(a) 65
(b) 18
(c) 58
(d) 47
(e) Cannot be determined

14. How many students passed in Maths but failed in both Physics and Chemistry ?

(a) 5
(b) 10
(c) 15
(d) 1
(e) Cannot be determined

15. A student has to pass in at least two subjects to get promoted. How many students get promoted ?

(a) 180
(b) 213
(c) 200
(d) 185
(e) Cannot be determined

DIRECTIONS (Qs. 16-20): Study the following Table carefully and answer the question given below :

16. How many students have scored the lowest marks in two or more subjects ?

(a) 2
(b) 3
(c) 1
(d) 0
(e) 4

17. Who has scored the highest marks in all the subjects together ?

(a) Deepak
(b) Charu
(c) Anupama
(d) Garima
(e) Bhaskar

18. What is the percentage of Deepak's marks (upto two digits after decimal) in all the subjects together ?

(a) 88.63
(b) 77.38
(c) 67.83
(d) 62.83
(e) 72.83

19. Marks obtained by Charu in Hindi are what percent of marks (upto two digits after decimal) obtained by Anupama in the same subject ?

(a) 75.92
(b) 78.38
(c) 77.29
(d) 75.29
(e) 72.83

20. What are the average marks obtained by all the students together in Science ?

(a) 55.75
(b) 57.5
(c) 60
(d) 59.5
(e) 58

DIRECTIONS (Qs. 21-25): What should come in place of the question mark (?) in the following number series ?

21. 104 109 99 114 94 ?

(a) 69
(b) 124
(c) 120
(d) 78
(e) None of these

22. 980 392 156.8 ? 25.088 10.0352

(a) 65.04
(b) 60.28
(c) 62.72
(d) 63.85
(e) None of these

23. 14 16 35 109 441 ?

(a) 2651
(b) 2205
(c) 2315
(d) 2211
(e) None of these

24. 1331 2197 4913 6859 ? 24389

(a) 12167
(b) 13824
(c) 9261
(d) 15625
(e) None of these

25.. 3600 725 150 35 12 ?

(a) 8
(b) 7.4
(c) 10.5
(d) 10
(e) None of these

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015" ::ENGLISH LANGUAGE::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015"

::ENGLISH LANGUAGE::


DIRECTIONS (Qs. 1-15): Read the following passage based on an Interview to answer the given questions based on it. Certain words are printed in bold to help you locate them while answering some of the questions.

A spate of farmer sucides linked to harassment by recovery agents employed by Micro Finance Institutions (MFIs) in Andhra Pradesh spurred the state government to bring in regulation to protect consumer interests. But, while the Bill has brought into sharp focus the need for consumer protection, it tries to micro-manage MFI operations and in the process it could scuttle some of the crucial benefits that MFls bring to farmers, says the author of Microfinance India, State of the Sector Report 2010. In an interview he points out that prudent regulation can ensure the original goal of the MFIs–social uplift of the poor. Do you feel the AP Bill to regulate MFIs is well thought out ? Does it ensure fairness to the borrowers and the long-term health of the sector ? The AP bill has brought into sharp focus the need for customer protection in four critical areas First is pricing. Second is tender’s liability — whether the Lender can give too much loan without assessing the customer’s ability to pay. Third is the structure of loan repayment –
whether you can ask money on a weekly basis from people who don’t produce weekly incomes. Fourth is the practices that attend to how you deal with defaults. But the Act should have looked at the positive benefits that institutions could bring in, and where they need to be regulated in the interests of the customers. It should have brought only those features in. Say, you want the recovery practices to be consistent with what the customer can really manage. If the customer is aggrieved and complains that somebody is harassing him, then those complaints should be investigated by the District Rural Development Authority. Instead what the Bill says is that MFIs cannot go to the customer’s premises to ask for recovery and that all transactions will be done in the Panchayat office. With great difficulty, MFIs brought services to the door of people. It is such a relief for the customers not to be spending time out going to banks or Panchayat offices, which could be 10 km away in some cases. A facility which has brought some relief to people is being shut. Moreover, you are practically telling the MFI where it should do business and how it should do it. Social responsibilities were in-built when the MFIs
were first conceived. If MFIs go for profit with loose regulations, how are they different from moneylenders? Even among moneylenders there are very good people who take care of the customer’s circumstance, and there are really bad ones. A large number of the MFIs are good and there are some who are coercive because of the kind of prices and processes they have adopted. But Moneylenders never got this organised. They did not have such a large footprint. An MFI brought in organisations, it mobilized the equity, it brought in commercial funding. It invested in systems. It appointed a large number of people. But some of then exacted a much higher price than they should have. They wanted to break even very fast and greed did take over in some cases. Are the for-profit MFIs the only ones harassing people for recoveries ? Some not-for-profit outfits have also adopted the same kind of recovery methods. That may be because you have to show that you are very efficient in your recovery methods and that your portfoilo is of a very high quality if you want to get commercial funding from a bank. In fact, among for-profits there are many who have sensible recovery practices. Some have fortnightly recovery, some have monthly recovery. So we have differing practices. We just describe a few dominant ones and assume every for-profit MFI operates like that. How can you introduce regulations to ensure social upliftment in a sector that is moving towards for -profit models ? I am not really concerned whether someone wants to make a profit or not. The bottom-line for me is customer protection. The first area is fair practices. Are you telling your customers how the loan is structured ? Are you being transparent about your performance ? There should also be a lender’s lilability attached to what you do. Suppose you lend excessively to a customer without assessing their ability to service the loan, you have to take the hit. Then there’s the question of limiting returns. You can say that an MFI cannot have a return on assets more than X,
a return on equity of more than Y. Then suppose there is a privately promoted MFI, there should be a regulation to ensure the MFI cannot access equity markets till a certain amount of time. MFIs went to markets perhaps because of the need to grow too big too fast. The government thought they were making profit off the poor, and that’s an indirect reasons why they decided to clamp down on MFIs. If you say an MFI won’t go to capital market, then it will keep political compulsions under rein.

1. Which of the following best explains ‘Structure of loan repayment’ in the context of the first question asked to the author ?

(a) Higher interest rate
(b) Payment on weekly basis
(c) Giving loan without assessing ability to pay
(d) Method of dealing with defaults
(e) Total amount of loan

2. The author is of the view that _____

(a) the bill to regulate MFIs is not needed
(b) the bill neglects the interests of the customers
(c) the positive aspects of MFIs should also be considered.
(d) most of the MFIs are not good.
(e) MFIs must be told what and where they should do business

3. One of the distinct positive feature of MFIs is that _____.

(a) they brought services to the door of people
(b) they dealt with defaulters very firmly
(c) they provided adequate customer protection
(d) they are governed by the local people
(e) they have highly flexible repayment plan

4. What is the difference between MFIs and moneylenders ?

(a) There is no difference.
(b) A large number of money lenders are good whereas only a few MFIs are good
(c) Money lenders gave credit at lower rate of interest than that of MFIs
(d) MFIs adopted a structure and put a process in place, which was not the case with moneylenders
(e) Moneylender appointed large number of local people as against more outside people in MFIs

5. Which of the following is positive outcome of the AP Bill to regulate MFIs ?

(a) The banks have started this service in remote areas
(b) It highlighted some areas of customer protection
(c) It highlighted the bad practices being followed by moneylenders
(d) MFIs is invested in systems and broguth in commercial funding.
(e) It will help convert MFIs into small banks

6. The author is recommending ____.

(a) Not-for profit MFIs
(b) For-profit MFIs
(c) Stoppage of commercial funding to MFIs
(d) Customer satisfaction irrespective of ‘Not-for profit’ or ‘for profit’ MFIs
(e) Public sector promoted MFIs

7. Why did MFIs go to the equity markers ?

(a) To repay the loan
(b) To lower interest rate
(c) There were political compulsions
(d) To become a public sector institution
(e) To grow very fast

8. Which of the following has not been indicated as one of the features of air practices for customer protection ?

(a) Providing information about loan structuring.
(b) MFIs should also be held liable for some of their actions
(c) Not to raise money from capital market
(d) MFIs should also inform public about their own performance also
(e) To provide credit as per the rational assessment of their ability to service the loan

9. Which of the following could possibly be most plausible reason for banning recovery by going to customer’s premises ?

(a) To protect the family members
(b) To protect the customer from harassment and coercion
(c) To reduce the undue expenses of MFIs is resulting in lower interest rates.
(d) To account systematically the money recovered in the books of accounts
(e) To keep Panchayat office out of these transactions

DIRECTIONS (Qs. 10-13) : Choose the word which is most nearly the same in meaning as the word/group of words printed in bold.

10. manage

(a) afford
(b) assess
(c) thrust
(d) administer
(e) use

11. exacted

(a) perfected
(b) demanded
(c) estimated
(d) corrected
(e) accurate

12. scuttle

(a) delay
(b) mix
(c) shuffle
(d) destroy
(e) smoothen

13. spurred

(a) agitated
(b) instigated
(c) reflected
(d) disapproved
(e) prompted

DIRECTIONS (Qs. 14-15) : Choose the word or group of words which is most opposite in meaning of the word printed in bold.

14. under rein

(a) under wrap
(b) without target
(c) let loose
(d) no cloud
(e) under cloud

15. coercive

(a) gentle
(b) promoting
(c) progressive
(d) natural
(e) opinionated

DIRECTIONS (Qs. 16-20) : Rearrange are following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them.

(A) There are a number of item in the atomic energy programme which are being made indigenously.
(B) Given the overall energy situation in India, the use of nuclear power in some measure is inescapable even while thermal and hydro power continue to be the dominant
elements.
(C) However, commercial aspects of exploiting nuclear capabilities, especially for power-generation programmes, have been recently given high priority.
(D) Atomic energy programmes have been subject to severe restrictions for every obvious reason as the Department of Atomic energy is becoming self-reliant in areas in which only a few countrices have such capability.
(E) Even to meet these nuclear power requirements, India critically requires a commercia level power-generation capability, with its commensurate safety and nuclear waste
management arrangements.
(F) Thus, in Indian context energy security is also crucial, perhaps much more than it is for the U.S.A.. because India imports a good part of its crude oil requirements, paying
for it with precious foreign exchange.

16. Which of the following will be the FIFTH sentence after rearrangement ?

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

17. Which of the following will be the THIRD sentence after rearrangement ?

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

18. Which of the following will be the SECOND sentence after rearrangement ?

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

19. Which of the following will be the FIRST sentence after rearrangement ?

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

20. Which of the following will be the FOURTH sentence after rearrangement ?

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

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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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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015" ::COMPUTER KNOWLEDGE::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015"

::COMPUTER KNOWLEDGE::



1. When sending an e-mail, the … line describe the contents of the message

(a) Subject
(b) To
(c) Contents
(d) CC
(e) None of these

2. All the deleted files go to

(a) Recycle bin
(b) Task bar
(c) Tool bar
(d) My computer
(e) None of these

3. You organise files by storing them in

(a) Archives
(b) Folders
(c) Indexes
(d) Lists
(e) None of these

4. A website address is a unique name that identifies a specific ___ on the web

(a) Web browser
(b) Website
(c) PDA
d) Link
(e) None of these

5. _________ are specially designed computer chips that reside inside o ther devices, such as your car or your electronic thermostat

(a) Servers
(b) Embedded computers
(c) Robotic computers
(d) Mainframes
(e) None of these

6. Which of the following places the common data elements in order from smallest to largest?

(a) Byte, Bit, Character, file, record, field, database
(b) Character, record, field, file, database
(c) Character, field, record, file, database
(d) Bit, byte, character, record, field, file, database
(e) None of these

7. A disk's content that is recorded at the time of manufacture and that cannot be changed or erased by the user is

(a) Memory only
(b) Write only
(c) Read only
(d) Run only
(e) None of these

8. An error in a computer program

(a) Crash
(b) Power Failure
(c) Bug
(d) Virus
(e) None of these

9. Distributed processing involves

(a) solving computer component problems from a different computer
(b) solving computing problems by breaking them into smaller parts that are separately processed by different computers
(c) allowing users to share files on a network
(d) allowing users to access network resources away from the office
(e) None of these

10. The operating system determines the manner in which all of the following occurs except

(a) user creation of a document
(b) user interaction with the processor
(c) printer output
(d) data displayed on the monitor
(e) None of these

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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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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015" ::GENERAL AWARENESS::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 31-10-2015"

::GENERAL AWARENESS::


1. Which is the highest populated state of India?

(a) Madhya Pradesh
(b) Uttar Pradesh
(c) Bihar
(d) Maharashtra
(e) Haryana

2. Who is the head of the panel formed RBI to look into parameters for urban co-operative banks recently?

(a) Bimal Jalan
(b) R Gandhi
(c) Urijit Patel
(d) YV Reddy
(e) None of these

3. Which banks have been designated as Domestic Systemically Important Banks (D-SIBs)?

(a) ICICI& SBI
(b) PNB & SBI
(c) HDFC & SBI
(d) ICICI & PNB
(e) None of these

4. Bhakti Sharma, who is in news recently associated with which sports?

(a) Swimming
(b) Tennis
(c) Badminton
(d) Volley Ball
(e) None of these

5. Consider the following statements:

A. Yog Guru Baba Ramdev was appointed as state brand ambassador of Haryana Government
B. It was announced by Minister of Sports and Health of Haryana, Anil Vij
C. Haryana Govt took this decision as it want to promote yoga and ayurveda in Haryana State

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

6. Frank Tyson was a cricketer from which country?

(a) New Zeland
(b) England
(c) West Indies
(d) South Africa
(e) None of these

7. What is the full form of NBFC as used in the financial sector?

(a) New Banking Finance Company
(b) National Banking & Finance Corporation
(c) Non Business Fund Company
(d) New Business Finance & Credit
(e) None of these

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

(a) RTGS
(b) NEFT
(c) TT
(d) EFT
(e) MT

9. Lima is the capital of.

(a) Brazil
(b) Peru
(c) Ecuador
(d) Colombia
(e) None of these

10. Where is Buxa National Park located?

(a) Odisha
(b) West Bengal
(c) Madhya Pradesh
(d) Bihar
(e) Rajasthan

11. English Stephen Constantine has been appointed as the head coach of Indian men's ____________ team.

(a) Hockey
(b) Cricket
(c) Football
(d) Badminton
(e) None of these

12. Banking ombudsmen is appointed by.

(a) SBI
(b) Indian Government
(c) RBI
(d) President
(e) Prime minister

13. Which committee framed the RRB Act?

(a) Narsimham Committee
(b) Ashok Mehta Committee
(c) Sachar Committee
(d) Shah Nawaz Committee
(e) None of these

14. Ravindra Jain who passed recently was a.

(a) Politician
(b) Singer
(c) Author
(d) Music Composer
(e) None of these

15. Base rate is the rate below which no bank can allow their lending to anyone. Who set up this base rate for banks?

(a) Individual Banks Boards (Correct Answer)
(b) Ministry of Commerce
(c) Ministry of Finance
(d) RBI
(e) Interest Rate Commission of India

16. Where is the Head-quarter of Indian Bank?

(a) Chennai
(b) Mumbai
(c) Delhi
(d) Bengaluru
(e) Hyderabad

17. Many a times, we read in newspaper that the RBI has revised certain rates/ratios under LAF. What is full form of LAF?

(a) Legal Adjustment Facility
(b) Liquidity Adjustment Facility
(c) Longterm Achievement Facility
(d) Legal Adjustment Formality
(e) None of these

18. What is KVP lock period?

(a) 36 Months
(b) 48 Months
(c) 24Months
(d) 30 Months
(e) 40 Months

19. Which of the following statement is true about the Competition Commission?

1. The Competition has been established to prevent practices which do not support healthy business competition.
2. The Commission will have five members including the chairman
3. The Commission has to ensure that the financial operation of any business entity does not get concentrated in the hands of few people.

(a) Only 1
(b) Only 2
(c) Only 3
(d) All of them
(e) None of them

20. What is the cost of Delhi National Memorial Cost?

(a) 100 crore
(b) 1000 crore
(c) 500 crore
(d) 250 crore
(e) None of these

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015" ::REASONING ABILITY::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015"

::REASONING ABILITY::


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

P, Q, R, S, T, V and W are seven students of a school. Each of them studies in different standard from Standard IV to Standard X not necessarily in the same order. Each of them has favourite subject from English, Science, History,Geogra-phy, Mathematics, Hindi and Sanskrit not necessarily in the same order. Q studies in VII Standard and does not like either Mathematics or Geography. R likes English and does not study either in V or in IX. T studies in VIII Standard and likes Hindi. The one who likes Science studies in X Standard. S studies in IV Standard. W likes Sanskrit. P does not study in X Standard. The one who likes Geography studies in V Standard.

1. In which standard does W study?

(a) VII
(b) IX
(c) X
(d) Data inadequate
(e) None of these

2. Which subject does P like?

(a) Geography
(b) Mathematics
(c) English
(d) History
(e) None of these

3. Which subject does S like?

(a) History
(b) Geography
(c) Mathematics
(d) Data inadequate
(e) None of these

4. In which standard does P study?

(a) IV
(b) VII
(c) IX
(d) X
(e) None of these

5. Which of the following combinations of student-standardsubject is correct?

(a) T -VIII -Mathematics
(b) W -VII -Sanskrit
(c) Q -VII -Geography
(d) V -X -Science
(e) None of these

DIRECTIONS (Qs. 6-10) : Study the following information carefully and answer the questions given below:

(i) A, B, C, D, E, F, G and H are eight students each having a different height.
(ii) D is shorter than A but taller than G.
(iii) E is taller than H but shorter than C.
(iv) B is shorter than D but taller than F.
(v) C is shorter than G.
(vi) G is not as tall as F.

6. Which of the following is definitely false?

(a) G is shorter than F
(b) C is shorter than F
(c) F is taller than C
(d) B is taller than E
(e) All are true

7. If another student J who is taller than E but shorter than G is added to the group, which of the following will be definitely true?

(a) C and J are of same height
(b) J is shorter than D
(c) J is shorter than H
(d) J is taller than A
(e) None of these

8. Which of the following will definitely be the third from top when the eight students are arranged in descending order of height?

(a) B
(b) F
(c) G
(d) B or G
(e) Cannot be determined

9. How many of them are definitely shorter than F ?

(a) Three
(b) Four
(c) Five
(d) Data inadequate
(e) None of these

10. Which of the following is redundant to answer all the above questions?

(a) (ii) only
(b) (ii) and (iii) only
(c) (iii) and (iv) only
(d) (i) and (v) only
(e) All are necessary to answer the above questions

DIRECTIONS (Qs. 11-15) : Study the following information carefully and answer the given questions :

In a certain code language :
"demand and supply market" is written as "pa ni de re"
"market needs more demand" is written as "de ja ni fe"
"supply demand is related" is written as "le de re ab"
"more related to economics" is written as "ka ha ab ja"

11. What is the code for 'economics' ?

(a) ab
(b) ka
(c) ha
(d) ja
(e) Either 'ka' or 'ha'

12. Which of the following represents 'supply related market' ?

(a) ab ni de
(b) ni re ab
(c) pa ni re
(d) de ab ni
(e) None of these

13. What is the code for 'more' ?

(a) fe
(b) ni
(c) de
(d) ja
(e) Cannot be determined

14. Which of the following may represent "market needs more customers" ?

(a) fe ja ni sa
(b) ja ni de ab
(c) ni ja ka pa
(d) pa ni fe re
(e) le re ni ja

15. What is the code for 'needs' ?

(a) ni
(b) fe
(c) pa
(d) le
(e) None of these

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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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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015" ::QUANTITATIVE APTITUDE::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015"

::QUANTITATIVE APTITUDE::



DIRECTIONS (Qs. 1-5): Find the missing term.

1. 0.5, 1.5, 5, 8,76,?

(a) 380
(b) 385
(c) 390
(d) 395
(e) None of these

2. 65, 72, 86, 114 ?

(a) 160
(b) 165
(c) 170
(d) 175
(e) None of these

3. 63, 31, 15, 7, 3 ?

(a) 0
(b) 1
(c) 2
(d) 3
(e) None of these

4. 13. 70, 71, 76, ?, 81, 86, 70, 91

(a) 70
(b) 71
(c) 80
(d) 96
(e) None of these

5. 8, 43, 11, 41, ?, 39, 17

(a) 8
(b) 14
(c) 43
(d) 44
(e) None of these

DIRECTIONS (Qs. 6-10): In each of these questions, two equations (I) and (II) are given. You have to solve both the equations and give answer

(a) if x > y
(b) if x < y
(c) if x ³ y
(d) if x £ y
(e) if x = y or relation cannot be established between 'x' and 'y'.

6. I. 8x + y =10
II. 4x + 2y = 13

7. I. (x + 3) (y + 2) = 12
II. 2xy + 4x + 5y = 11

8. I. (3x – 2)/y = (3x + 6)/(y + 16)
II. (x + 2)/(y + 4) = (x + 5)/(Y + 10)

9. I. x2 + 20x + 4 = 50 – 25x
II. y2 – 10y – 24 = 0

10. I. (x2 – 10x + 16)/(x2 – 12x + 24) = 2/3
II. y2 – y – 20 = 0

DIRECTIONS (Qs. 11-15) : Study the given table carefully to answer the following questions.

11. What is the cost of flooring of A?

(a) ` 4000
(b) ` 4600
(c) ` 4800
(d) ` 5000
(e) ` 4400

12. What is the difference between the cost of fencing of C and that of B?

(a) ` 180
(b) ` 120
(c) ` 240
(d) ` 360
(e) ` 480

13. What is the ratio of the cost of flooring to that of fencing of field D?

(a) 4 : 1
(b) 6 : 1
(c) 8 : 1
(d) 9 : 1
(e) 5 : 1

14. The cost of fencing of field E is approximately what percent of the cost of flooring of field C?

(a) 10.5%
(b) 19.46%
(c) 18.71%
(d) 15.36%
(e) 13.82%

15. The cost of fencing of field C is what percent of the cost of fencing of field D?

(a) 87.54%
(b) 67.5%
(c) 72.13%
(d) 54.36%
(e) 46.5%

DIRECTIONS (Qs. 16-23) : Study the following table and pie chart carefully to answer the given questions.

The table shows the ratio of Hindu religion soldiers to soldiers of other religions

16. What is the number of Hindu soldiers in Jat regiment?

(a) 2600
(b) 2700
(c) 3200
(d) 2800
(e) 2350

17. What is the difference between Hindu soldiers in Madras regiment and soldiers of other religions in Bihar regiment?

(a) 485
(b) 550
(c) 520
(d) 510
(e) 490

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015" ::ENGLISH LANGUAGE::

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(Papers) IBPS PO Exam Paper - 2015 "Held on: 4-10-2015"

::ENGLISH LANGUAGE::


DIRECTIONS (Qs. 1-5) : Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph; then answer the questions given below them.

(A) Two of the best-performing major economies in 2014 were China and Brazil, with growth estimated at 7.5% and 10.5% resepectively.
(B) Despite that limp growth, major US stock market indexes are up between 11% and 20% for the year.
(C) Even knowing where economies are headed sometimes it is of no help to an investor.
(D) It is hard to anticipate the direction of financial markets.
(E) But as of December, stock markets of both nations were in the red for the year.
(F) By contrast, the US economy is likely to have expanded at only about 2.6% for the year.

1. Which of the following would be the SECOND sentence?

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

2. Which of the following would be the FOURTH sentence?

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

3. Which of the following would be the FIFTH sentence ?

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

4. Which of the following would be the FIRST sentence ?

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

5. Which of the following would be the SIXTH (LAST) sentence ?

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

DIRECTIONS (Qs. 6-10) : Read each sentence to find out whether there is any grammatical error in it or a wrong word has been used. The error, if any, will be in one part of the sentence which has been printed in bold and has been numbered (a), (b), (c) or (d). The number of that part is the answer. If there is no error, the answer is (e) i.e. ‘No error’. (Ignore the errors of punctuation, if any.)

6. The convergence of

(a) Indian accounting standards with International Financial Reporting Standards (IFRS) beginning
(b) in April is expecting to 
(c) see power companies struggling with
(d) significant first-timeadoption impact.
(e) No error

7. Researchers at

(a) the Indian Institute of Science (IISc), Bangalore, are mapping
(b) India’s solar hot spots-where round-the-year
(c) sunlight makes it viable of 
(d) companies to set up solar power plants. 
(e) No error

8. Though their qualifications span a diverse

(a) range, there is an equal
(b) number of graduates and those who have just completed School, each set
(c) making up
(d) close to 30% of these households.
(e) No error

9. As if

(a) the most dangerous moment for any dictatorship is when
(b) it starts to
(c) reform, North Korea looks ready to turn that truism on its head.
(d) North Korea looks ready to turn that truism on its head.
(e) No error

10. It so happens

(a) that this happy campy ritual is their way of life
(b) and one into which
(c) they don’t particularly welcome
(d) voyeuristic intrusions. 
(e) No error

DIRECTIONS (Qs. 11-20) : Read the following passage carefully and answer the questions given below it. Certain words/ phrases are printed in bold to help you to locate them while answering some of the questions.

The outside world has pat answers concerning extremely impoverished countries, especially those in Africa. Everything comes back, again and again, to corruption and mis-rule. Western officials argue that Africa simply needs to behave itself better, to allow market forces to operate without interference by corrupt rulers. Yet the critics of African governance have it wrong. Politics simply can't explain Africa's prolonged economic crisis. The claim that Africa's corruption is the basic source of the problem does not withstand serious scrutiny. During the past decade I witnessed how relatively well-governed countries in Africa, such as Ghana, Malawi, Mali and Senegal, failed to prosper, whereas societies in Asia perceived to have extensive corruption, such as Bangladesh, Indonesia and Pakistan, enjoyed rapid economic growth. What is the explanation? Every situation of extreme poverty around the world contains some of its own unique causes, which need to be diagnosed as a doctor would a patient. For example, Africa is burdened with malaria like no other part of the world, simply because it is unlucky in providing the perfect conditions for that disease; high temperatures, plenty of breeding sites and particular species of malaria-transmitting mosquitoes that prefer to bite humans rather than cattle. Another myth is that the developed world already gives plenty of aid to the world's poor. Former U.S. Secretary of the Treasury, Paul O'Neil expressed a common frustration when he remarked about aid for Africa : "We've spent trillions of dollars on these problems and we have damn near nothing to show for it". O'Neil was no foe of foreign aid. Indeed, he wanted to fix the system so that more U.S. aid could be justified. But he was wrong to believe that vast flows of aid to Africa had been squandered. President Bush said in a press conference in April 2004 that as "the greatest power on the face of the earth, we have an obligation to help the spread of freedom. We have an obligation to feed the hungry". Yet how does the U.S. fulfill its obligation? U.S. aid to farmers in poor countries to help them grow more food runs at around $200 million per year, far less than $1 per person per year for the hundreds of millions of people living in subsistence farm households. From the world as a whole, the amount of aid per African per year is really very small, just $30 per sub-Saharan African in 2002. Of that modest amount, almost $5 was actually for consultants from the donor countries, more than $3 was for emergency aid, about $4 went for servicing Africa's debts and $5 was for debt-relief operations. The rest, about $12, went to Africa. Since the "money down the drain" argument is heard most frequently in the U.S., it's worth looking at the same calculations for U.S. aid alone. In 2002, the U.S. gave $3 per sub-Saharan African. Taking out the parts for U.S. consultants and technical cooperation, food and other emergency aid, administrative costs and debt relief, the aid per African came to grand total of 6 cents. The U.S. has promised repeatedly over the decades, as a signatory to global agreements like the Monterrey Consensus of 2002, to give a much larger proportion of its annual output, specifically upto 0.7% of GNP, to official development assistance. The U.S. failure to follow through has no political fallout domestically, of course, because not one in a million U.S. citizens even knows of statements like the Monterrey Consensus. But no one should underestimate the salience that it has around the world. Spin as American might about their nation's generosity, the poor countries are fully aware of what the U.S. is not doing.

11. The passage seems to emphasize that the outside world has

(a) correct understanding about the reasonable aid provided by the USA to the poor countries
(b) definite information about what is happening in under developed countries
(c) stopped extending any financial aid to under developed countries
(d) misconceptions about the aid given to the poor nations by developed countries
(e) None of these

12. According to the Westerners the solution to eradicate poverty of African nations lies in

(a) corruption
(b) improving their own national behaviour
(c) mis-rule
(d) prolonged economic crisis
(e) None of these

13. The author has given the example of Bangladesh, Indonesia and Pakistan in support of his argument that

(a) corruption is the major culprit in the way of prosperity
(b) mis-governance hampers the prosperity of nations
(c) despite rampant corruption, nations may prosper
(d) developed nations arrogantly neglect under developed countries.
(e) None of these

14. The author has mentioned Ghana as a country with

(a) reasonably good-governance
(b) corrupt leadership
(c) plenty of natural resources
(d) rapid economic growth
(e) None of these

15. The cases of malaria in Africa are mainly due to

A. high temperature.
B. climatic conditions conducive for breeding.
C. malaria carries liking for human blood in preference to that of cattle.

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

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