(Paper) IBPS Clerk Previous Year Exam Paper "Held on 14-12-2013, English Language"

IBPS Clerk Previous Year Exam Paper - 2013

Subject: English Language

Directions (1-5): In each of these questions, two sentences (I) and (II) are given. Each sentence has a blank in it. Five words (1), (2), (3), (4) and (5) are suggested. Out of these. only one fits at both the places in the context of each sentence. Number of that word is the answer.

1. I. Future generations will be left with a __ of pollution and destruction.

II. They each received a __ of $ 10000.

(1) legacy
(2) sum
(3) fortune
(4) amount
(5) inheritable

2. I. He was ––––– in bringing about an end to the Conflict.

II. Mr. Hart Prasad Chaurasia is an exponent of __ music.

(1) instrument
(2) instrumental
(3) keen
(4) instructor
(5) popular

3. I. Many __ men remarry and have second families.

II. When he was depressed. he felt utterly __ from reality.

(1) divided
(2) separate
(3) disturbed
(4) divorced
(5) destined

4. I. Most of our employees get __ abroad at some stage.

II. The aircraft and its crew were __ missing.

(1) announced
(2) arrested
(3) sent
(4) posted
(5) stationed




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5. I. He admired his __ in the mirror.

II. The article is an accurate __ of even is that day.

(1) reflection
(2) description
(3) imagery
(4) photograph
(5) mirage

Directions (6-10): In each question below, four words printed in bold type are given. These are numbered (1), (2), (3) and (4). One of these words printed in bold may either be wrongly spelt or inappropriate in the context of the sentence. Find out the word that is inappropriate or wrongly spelt, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and appropriate in the context of the sentence then mark (5) i.e. ‘All Correct’ as your answer.

6. Only the golkeeper’s (1)/ reflexes (2) / stopped the ball (3)/ from going in. (4)/ All Correct (5)

7. He has (1)/ refrain (2)/ from criticizing (3) / the government (4)/ in the public. All Correct (5)

8. To save his own skull (1)/ he lied and blamed (2)/the accident (3)/ on his friend. (4)/ All Correct (5)

9. He was badly (1)/ shaken (2)/ by the news (3)/ of her dead. (4)/ All Correct (5)

10. We lost (1)/ our way (2)/in the laybarinth (3)/ of streets. (4)/ All Correct (5)

Directions (11-15): Read each sentence to find out whether there is any grammatical error in it. The error if any will be in one part of the sentence, the number of that part will be the answer. If there is no error, the answer is (5). i.e. ‘No error’. (Ignore the errors of punctuation. if any.)

11. Let’s wait and see (1)/ how the land (2)/ laid before (3)/ we do anything. (4)/ No error (5)

12. In ancient Greece (1)/ a messenger ran from Marathon (2)/ to Athens with the news of (3) / a victory of the persians. (4)/ No error (5)

13. Grammar information enables (1)/ students to map a (2)/ structure of a foreign (3)/ language onto their own. (4)/ No error (5)

14. Their wedding (1)/ turned out to be (2)/ quite (3)/ an occasion. (4)/ No error (5)

15. I may be stated(I) / the obvious but (2)/ without more-money the (3)/ project cannot survive. (4)/ No error (5)

Directions (16 - 20): Rearrange the following six sentences/ group of 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) The storm-given the name Hercules-closed major roads with snowdrifts.
(B) A fierce winter storm brought dangerous glacial temperature in New York on Friday.
(C) Weather experts said the wind chill temperature would plummet to -25° in New York.
(D) With more than 24 inches of snow falling in the city, a state of emergency was declared.
(E) More than 4000 international and domestic flights were also cancelled.
(F) Indeed storms are disastrous.

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

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

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

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

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

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

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

(1) A
(2) D
(3) F
(4) E
(5) C

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

(1) A
(2) D
(3) F
(4) B
(5) C

Directions (21-30): Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.

Internet banking is the term used for new age banking system. Internet banking is also called as online banking and it is an outgrowth of PC banking. Internet banking uses the internet as the delivery channel by which to conduct banking activity for example, transferring funds, paying bills, viewing checking and savings account balances, paying mortgages and purchasing financial instruments and certificates of deposits. Internet banking is a result of explored possibility to use internet application in one of the various domains of commerce, It is difficult to infer whether the internet tool has been applied for convenience of bankers or for the customers’ convenience. But ultimately it contributes in increasing the efficiency of the banking operation as well providing more convenience to customers. Without even interacting with the bankers, customers transact from one corner of the country to another corner.

There are many advantages of online Banking. It is convenient, it isn’t bound by operational timings, there are no geographical barriers and the services can be offered at a minuscule cost. Electronic banking has experienced explosive growth and has transformed traditional practices in banking.

Private Banks in India were the first to implement internet banking services in the banking industry. Private Banks due to late entry into the industry understood that the establishing network in remote comers of ‘the country is a very difficult task, It was clear to them that the only way to stay connected to the customers at any place and at any time is through internet applications. They took the internet applications as a weapon of competitive advantage to comer the great monoliths like State Bank of India. Indian Bank etc. Private Banks are pioneer in India to explore the versatility of internet applications in delivering services to customers.

Several studies have attempted to assess the relative importance of B2B and B2C business domains. There is wide difference in estimates of volume of business transacted over Internet and its components under B2C and B2B. However. most studies agree that volume of transactions in B2B domain far exceeds that in B2C. This is expected result. There is also a growing opinion that the future of e-business lies in B2B domain as compared to B2C. This has several reasons like low penetration of PCs to households low bandwidth availability etc.. in a large part of the world. The success of B2C ventures depends to a large extent on the shopping habits of people in different parts of the world. A survey sponsored jointly by Confederation of Indian Industries and Infrastructure Leasing and Financial Services on e-commerce in India in 2010 the following observations. 62% of PC owners and 75% of PC non-owners but who have access to Internet would not buy through the net as they were not sure of the product offered. The same study estimated the size of B2B business in India by the year 2011 to be varying between Rs. 1250 billion to Rs. 1500 billion. In a recent study done by Arthur Anderson, it has been estimated that 84% of total e-business revenue is generated from B2B segment and the growth prospects in this segment are substantial. It has estimated the revenues to be anywhere between US $ 8.1 trillion to over US $ 21 trillion within the next three years (2014).

21. Which bank(s) is/are pioneer in India to explore the versatility of internet banking in serving customers?

(1) State Bank of India
(2) Indian Bank
(3) Public Sector Banks
(4) Private Banks
(5) None of these

22. Which of the following is not an advantage of online banking?

(1) It is convenient.
(2) It is bound by operational timings.
(3) The services can be offered at a minimum cost.
(4) There is no geographical barrier.
(5) None of these

23. What percentage of PC non- owners but who have access to Internet would not prefer to buy through the net, as they are not sure of the product offered?

(1) 75%
(2) 62%
(3) 84%
(4) 76%
(5) None of these

24. Which type of activities are performed by internet banking?

(1) Paying bills
(2) Transferring funds
(3) Paying mortgages
(4) Purchasing financial instruments and certificates of deposits
(5) None of these

25. What estimate was made by confederation of Indian Industries regarding the size of B2B business in India by the year 2011

(1) Between Rs. 250 billion to Rs. 500 billion
(2) Between Rs. 1250 billion to Rs. 1500 billion
(3) Between Rs. 850 billion to Rs. 1050 billion
(4) Between $ 8.7 trillion to $ 21 trillion
(5) None of these

Directions (26-28): Choose the word which is most similar in meaning to the word printed in bold as used in the passage.

26. Versatility

(1) multi-utility
(2) vesicle
(3) dullness
(4) necessity
(5) meanness

27. Monoliths

(1) large blocks of stone
(2) large organizations
(3) monopoly
(4) dwarfs
(5) niche


(1) do business
(2) tranquillize
(3) transcend
(4) exceed
(5) transfer

Directions (29 30): Choose the word which is most opposite in meaning to the word printed in bold as used in the passage.

29. Substantia

(1) meagre
(2) considerable
(3) large
(4) submissive
(5) sufficient

30. Minuscule

(1) small
(2) minimum
(3) minute
(6) large
(7) maximum

Directions (31-40): In the following passage there are blanks each of which has been numbered. These numbers are printed below the passage and against each five words are suggested one of which fits the blank appropriately. Find out the appropriate word in each case.

Trust is (31) relationship concept that needs clarification because researchers (32) disciplines have defined it in so many different ways. A typology of trust types would make it easier to (33) and communicate results and would be especially valuable if the types of trust related to one another. The typology should be interdisciplinary (34) many disciplines research e-commerce. This paper (35) a parsimonious interdisciplinary typology and relates trust constructs to e-commerce consumer actions defining both conceptual-level and operational-level trust constructs. Conceptual-level constructs consist (36) disposition to trust (primarily from psychology) institution-based trust (from sociology) and trusting (37) and trusting intentions (primarily from social psychology). Each construct is (38) into measurable sub constructs, and the typology shows how trust constructs relate (39) already existing Internet relationship constructs. The effects of Web vendor interventions on consumer behaviors are posited to be(40) mediated by consumer trusting beliefs and trusting intentions in the e-vendor.


(1) vital (2) close
(3) important (4) low
(5) proximate


(1) along
(2) around
(3) across
(4) above
(5) over and above


(l) compose
(2) compare
(3) comparison
(4) comparing
(5) spare


(1) but
(2) that
(3) which
(4) because
(5) as if


(1) justifies
(2) clarifies
(3) denies
(4) regards
(5) registers


(1) in
(2) of
(3) for
(4) with
(5) by


(1) disbeliefs
(2) beliefs
(3) ways
(4) means
(5) measures


(1) decomposed
(2) decomposing
(3) deposed
(4) divided
(5) distributed


(1) with
(2) in
(3) by
(4) of
(5) to


(1) partially
(2) legally
(3) generally
(4) illegally
(5) gradually




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