IBPS-RRBs Officer Scale-1(Mains);Exam Paper - 2018 Subject : English Language
IBPS-RRBs Officer Scale-1(Mains);Exam Paper - 2018
Subject : English Language
English Language :
Direction (121-130): Read the following passage carefully and answer the questions that follow. Certain words are printed in bold to help you locate them while answering some of these.
For international banks, Asia is becoming an increasingly uncomfortable place. Already facing pressure from regulators in their home countries to conserve capital and stay away from risk; they now have to cope with a newly sophisticated breed of Asian lender. Due to a boom in domestic and cross-border loans, bank advances in the region outside of Japan reached $26 trillion in June, up from $7.8 trillion a decade ago. Chinese banks were the busiest, increasing loans at a compound annual rate of 17 percent to $17.6 trillion. The market share of foreign players has declined significantly. Some of it has to do with the global financial crisis, which saw banks including HSBC Holdings cut their retail presence and others like Goldman Sachs Group Inc. exit costly minority stakes in local lenders. European institutions retreated the most, with their share of cross-border loans in the region sliding to 22 percent in 2017 from 36 percent in 2007. But Asia’s banks have also become a lot stronger, armed with healthy deposits and access to cheap U.S. dollar funding. That’s helped them move beyond plain vanilla
lending into more complex offerings. Ten years ago in India, for example, foreign banks used to account for 17 percent of preprovision profits despite having a loan-market share of only 6 percent. Many were stronger in areas such as credit cards and foreignexchange derivatives. Last year, their loanmarket share was 4 percent while their take of pre-provision earnings had fallen to 9 percent, according to Morgan Stanley head of financial research Anil Agarwal. Asian lenders are also willing to take on more risk at a time their Western counterparts aren’t. They can be more generous on interest rates, charge lower upfront fees and offer more attractive covenants, according to Brett King, a Hong Kong-based partner at law firm Paul Hastings LLP. Chinese banks are doing leveraged loans for private-equity firms at up to eight times Ebitda; many Western banks are subject to leverage limits of about
four times, for a good credit risk. Asian lenders are also more flexible when private quity wants their target to embark on another deal soon after the first, or pay dividends, whereas their international counterparts often place limits on acquisitions and shareholder returns until the initial advance is repaid. Of course, many lenders in the region are state-backed, so they know a bailout wouldn’t be out of the question. They’re also more familiar with local borrowers, so can probably afford to push the envelope. Western banks’ edge in Asia possesses a global network that clients can tap into. Industrial & Commercial Bank of China Ltd., for example, remains largely China-focused while others are hoping to meet President Xi Jinping’s Belt and Road ambitions rather than expand in Europe or the U.S. One risk is that economies in the region sour, or favored clients hit a rough patch, as Standard Chartered discovered. Still, the lead that Asian banks have in the loan market is growing. As China accelerates its financial opening, foreign players are right to feel uneasy.
121. According to the passage, the Asian lenders do not have which of the following advantages?
A. They know the local borrowers, so can probably go beyond the limits.
B. They are flexible to initiate a new deal even before the last one is paid off.
C. They are willing to take more risks and offer better deals to the borrowers.
D. The borrowers always prefer local lenders and abhor their foreign counterparts.
E. Many of them can fall back to financial support from government.
122. Which of the following has assisted Asian banks to move ahead of simple loans and offer more complex loaning services?
A. Their will to take more risks and offer better deals to the borrowers.
B. The ability to provide larger amount of loans in lesser time and paperwork.
C. The vacuum in the Asian market created by the retreat of European banks.
D. The pact by all Asian banks to work together to root out all foreign banks in Asia.
E. Presence of healthy deposits with the bank nd availability of cheap U.S. dollars funding.
123. The author is most likely to disagree with which of the following options?
A. International banks are also facing pressure from the regulators of their home countries.
B. Asian banks with cheap funding will soon root out its foreign counterparts in Asia.
C. Western banks often do not begin another deal until the initial advance is paid off.
D. Asian lenders have advantages like government backing and familiarity with the borrowers.
E. European banks have retreated the most from Asian markets.
124. Which of the following options do not carry the same meaning as the phrases – ‘push the envelope’ and ‘hit a rough patch’ as mentioned in the passage?
A. Running into rough weather.
B. To extend the limits of something.
C. Trying to bribe a government official.
D. Going through a period of problems.
E. To innovate or go beyond the commonly accepted boundaries.
125. Which of the following is not true about the Asian lenders?
A. They charge lesser processing fees for the loans.
B. They will soon take over the western markets.
C. They can provide loans on comparatively lower interest rates.
D. They have access to low cost U.S. dollar funding.
E. They offer more attractive deals to the borrowers.
126. Which of the following inferences can be made after reading the third paragraph of the passage?
A. In the last decade the Western banks have seen a drastic fall in the market share.
B. The foreign banks have seen a huge fall in profits in India.
C. In the last decade in India, foreign bank’s market share has fallen slightly but profits have plunged more significantly.
D. Foreign banks were stronger in areas like credit cards and foreign-exchange derivatives.
E. International banks have lost their market share in Asia even after being stronger than their Asian Counterparts in various areas.
127. Which of the following is not similar in meaning to the word ‘covenant’?
A. Contract
B. Indenture
C. Truculent
D. Deal
E. Bargain
128. Which of the following expresses the contextual meaning of the word ‘bailout’?
A. A government backed bank acquiring a foreign bank.
B. Liberty to back out from a contract without any notice.
C. The organization being shut down by the orders of the state.
D. Financial assistance from the government to a failing organization.
E. The owners of the organization getting bailed out of prison.
129. In the context of the passage, the does the word ‘plain vanilla lending’ mean?
A. Lending of a very meager amount.
B. The type of lending which involves various complications.
C. Lending done to uplift the Ice Cream industry.
D. A basic and simple version of lending.
E. Extremely complex form of lending.
130. Which of the following is opposite in meaning to the word 'embark'?
A. Terminate
B. Commence
C. Malapert
D. Undertake
E. Initiate
Direction (131-140): In the following passage, there are blanks each of which has been numbered. These numbers correspond to the question numbers; against each question, five words have been suggested, one of which fills the blanks appropriately. In an age where there’s an app for everything and telecommuting should be easy, why do workers still not feel it’s (Q1)? It begs the question “are your employees (Q2) to work remotely?” In a survey of business owners by Virgin Media Business, it was (Q3) that 60% of office-based employees will regularly work from home by 2022. A separate survey by Office Angels found a third of employees think (Q4) will be unheard of by 2036. By comparison, large companies such as Yahoo are bucking this predicted trend by announcing all of its staff are required to work from the office. In another survey, conducted by Ricoh UK, only 25% of respondents felt (Q5) when working from home. With an abundance of communication, (Q6) and cloud storage apps and solutions available to businesses and individuals alike, could it be factors other than the tools available to employees that are affecting this view? Do we put too much emphasis on whether the tools businesses use allow employees to be effective outside of the office? Maybe it’s employees themselves who prevent telecommuting from being a viable option.Until recently, working from home wasn’t the norm in most businesses. Technological (Q7) meant that quite often employees simply weren’t as productive working from home, regardless of their (Q8). In a mobile world, we carry our office with us. Business leaders are embracing this shift in culture and (Q9) research and investment into the industry. As ever more clever technology is developed, employees and brands benefit from faster and more productive ways of (Q10) working.
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131. Find the appropriate word in each case.
A. Prudential
B. Beneficial
C. Empirical
D. Purposeless
E. Pleasant
132. Find the appropriate word in each case.
A. Cut through
B. Cut off
C. Cut out
D. Cut in
E. Cut at
133. Find the appropriate word in each case.
A. Exempted
B. Predicted
C. Debated
D. Obliviated
E. Discussed
134. Find the appropriate word in each case.
A. Commuting
B. Communicating
C. Recreation
D. Professionalism
E. Travelling
135. Find the appropriate word in each case.
A. Perilous
B. Unproductive
C. Futile
D. Productive
E. Absent
136. Find the appropriate word in each case.
A. Collaborative
B. Restoring
C. Piquant
D. Dissociative
E. Degenerating
137. Find the appropriate word in each case.
A. Reservations
B. Regeneration
C. Restrictions D. Resilience
E. wrote
138. Find the appropriate word in each case.
A. Apprehensions
B. Intentions
C. Involvement
D. Distance
E. Reciprocations
139. Find the appropriate word in each case.
A. Allowing
B. Fuelling
C. Abnegating
D. Restraining
E. Facilitation
140. Find the appropriate word in each case.
A. Disparate
B. Stagnant
C. Homogenous
D. Creative
E. Conditional
141. Direction: Out of the five statements given below, only one is grammatically correct.
Choose the correct statement as your answer.
A. They were dejected, sure, but it wasn't the time to show it because their fans in the stadiums have been crying and the team had to give back the love and warmth, it had been receiving throughout the tournament.
B. The supporters waved flags of both countries for defeating Germany in this crucial game outside the Korean embassy in Mexico and thanking them.
C. During a player is forged with grit, passion and undying will, an entire generation watches when he spreads his wings to fly.
D. As a girl passionate about sports, it is unfathomable to me that a group of women wouldn't be allowed inside the stadiums just because of their gender.
E. Senegal is playing only its second World Cup in their history and which meant for them was evident by the way their manager Aliou Cissé broke down in the tears, following prayers with his team, a few days ago.
142. Direction: Given below are five statements out of which only one is grammatically correct. Identify the correct statement.
A. Not to far from the realms of the Thar desert, its shape-shifting sand dunes, mighty forts and palaces, the Kalbeliya dancers and scorching heat, there lies a city with lush green forests, pleasant weather and plenty of flora or fauna
B. Achalgarh fort was built by Maharana Kumbha, the ruler of Mewar, who built a total of 32 forts in Rajasthan throughout his reign.
C. Krem Puri Cave is an incredibly complex maze of hundred of short passages and long stretches of corridors which are interconnected in a big network.
D. The Shyok River meets the Nubra or Siachan River to form the beautiful Nubra valley separates the Ladakh and Karakoram mountain ranges.
E. The Bhimbekta caves were discovered quite recently in 1957 and were declared a UNESCO World Heritage Site only in 2003
143. Direction: Out of the five statements given below, only one is grammatically correct. Choose the correct statement as your answer.
A. After Finance Minister Arun Jaitley announced that GST rates on restaurants are going to be slashed down, consumers verywhere have breathed a sigh of relief.
B. The government has presented the Union Budget today and just like every year, people don't seem to be very impressed.
C. However, it was Sinha's biting assessment of finance minister Arun Jaitley, who he held responsible for making a "mess" of the Indian economy which sent shock waves in the BJP.
D. Terrorists in the Kashmir Valley are now in the run and they cannot continue to terrorise the people for decades, defence minister Arun Jaitley said on Sunday, which maintaining that the government’s priority was to clean up the Kashmir Valley of armed militants.
E. India is considering selling state-owned Air India in parts to making it attractive to potential buyers, because it reviews options to divest the loss-making flagship carrier, several government officials familiar with the situation said.
144. Direction: Out of the five statements given below, only one is grammatically correct. Choose the correct statement as your answer.
A. Being a pilot is one of the most demanding professions considering the erratic working hours and the physical exhaustion that comes after long flights.
B. Air India's largest employees' union would hold its general body meeting coming Friday to "organise its members for a movement" against the government's decision to privatise the debt-ridden national carrier.
C. An international airport the government
announced on Saturday about with a capacity to handle 30-50 million passengers per year would come up at Jewar in Greater Noida in the next five to six years to ease the load on the Delhi airport.
D. The government has recommended three levels of unruly behaviour, every with a corresponding duration of flying ban of 3 months, 6 months and two years or more without limit.
E. Qatar, that is home to alomost 7 lakh Indians, is now facing an air-way crisis following few middle-eastern countries banned the use of their airspace for flights to and from Doha for Qatar operators, earlier this month.
145. Direction: Out of the five statements given below, only one is grammatically correct. Choose the correct statement as your answer.
A. Being dabbled in acting in the past for smaller advertisement projects for Nerolac Paints and Kumaran Silks among a few other local ads directed towards the Southern audience, Shanta and V.P. Dhanajayan are strangers to the thespian world.
B. Born on February 29, 1904 in a Brahmin family in Madurai, Rukmini Devi was considered to the most important revivalist in the Indian classical dance form.
C. Classical danseuse and United Nations Goodwill Ambassador, Aishwarya R Dhanush, will give a Bharatanatyam performance at the UN on International Women's Day.
D. In 1943, the Nazis did make the child artists and other musicians at Terezín, hold a performance of Burundin, the children’s opera for a delegation from the International Committee of the Red Cross to see the performance in the camp, as a demonstration of how the Nazis were protecting culture and encouraged it.
E. Indian Institute of Technology, Bhubaneswar become the first IIT in the country to introduce Odissi as a part of the curriculum for B.Tech students.
146. Direction: In each question, a sentence with four words printed in bold is given. These are numbered as (A), (B), (C) and (D). One of the four words printed in bold may either be misspelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate. The number of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (5), i.e., ‘All are correct’, as your answer. The completion of (A)/ the tunnel has (B)/ been held up (C)/ owning to a strike (D).
A. A
B. B
C. C
D. D
E. All are correct
147. Direction: In each question be low, 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. The more scarce (1)/ any collecteble (2)/ item is, the higher (3)/ the price (4)/ tends to be. All correct (5)
A. 1
B. 2
C. 3
D. 4
E. 5
148. Direction: In each question below, four words printed in bold 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.
It freed me to enter (1) one of the most (2) creatively (3) periods of (4) my life. All correct (5)
A. 1
B. 2
C. 3
D. 4
E. 5
149. Direction: In each question below, four words printed in bold type are given. These are numbered (A), (B), (C) and (D). 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 E. i.e. ‘All correct” as your answer. Despite (A)/ the obviously (B)/ advantages, (C)/ is it really worth-while to invest in the device? (D). / No error (E)
A. A
B. B
C. C
D. D
E. No error
150. Direction: In each question, a sentence with four words printed in bold is given. These are numbered as (1), (2), (3) and (4). One of these four words printed in bold may either be misspelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate, if any. The number of that word is your answer. If all the words printed in bold are correctly spelt and also appropriate in the context of the sentence, mark (5), ie ‘All Correct’, as your answer. The teacher liked the poem (1)/so much that she asked (2)/ Saba to read it allowed (3)/ to the whole class. (4)/ All correct(5)
A. 1
B. 2
C. 3
D. 4
E. 5
151. Direction: In the following question, a sentence with a part of it missing and represented by a blank is given. Select the best out of the four answer choices given, to make the sentence complete and coherent (coherent means logically complete and sound). If none of the sentences is appropriate, mark (E) i.e., ‘None of these’ as the answer. n his first trip to Rajasthan as head of the nation, President Ram Nath Kovind formally launched ________.
A. With part of the crew, but managed to make his way to Timor in the Malay Archipelago.
B. The bull of deposition, and Pole again was sent to urge Charles V.
C. Three schemes of the state government at Birla Auditorium on Sunday.
D. A new career as a singer.
E. None of these
152. Direction: In the following question, a sentence with a part of it missing and represented by a blank is given. Select the best out of the four answer choices given, to make the sentence complete and coherent (coherent means logically complete and sound). If none of the sentences is appropriate, mark (E) i.e., ‘None of these’ as the answer. A Tuesday storm that prompted tornado and thunderstorm warnings around Connecticut _____.
A. Has knocked out power for thousands of residents.
B. Has made the government take strict action against it.
C. Blasted photos of black sky and morning waves.
D. Drops still continued to fall, but vertically now.
E. None of these
153. Direction: In the following question, a sentence with a part of it missing and epresented by a blank is given. Select the best out of the four answer choices given, to make the sentence complete and coherent (coherent means logically complete and sound). If none of the sentences is appropriate, mark (E) i.e., ‘None of these’ as the answer. Iran's foreign minister has been touring world capitals to try _________________.
A. Built good relation and strike a peace deal.
B. And save the 2015 Iran nuclear deal after the US' withdrawal.
C. Solving the mysteries of Mother Nature.
D. Have different cuisine around the globe.
E. None of these
154. Direction: In the following question, a sentence with a part of it missing and epresented by a blank is given. Select the best out of the four answer choices given, to make the sentence complete and coherent (coherent means logically complete and sound). If none of the sentences is appropriate, mark (E) i.e., ‘None of these’ as the answer. At least 15 people are missing after a boat _______.
A. Capsized in the southern Indian state of Andhra Pradesh.
B. Flown with the waves in the east coast.
C. Ruled out all the possibilities of survival.
D. Drowning seen by many people at the east coast.
E. None of these
155. Direction: In the following question, a sentence with a part of it missing and represented by a blank is given. Select the best out of the five answer choices given, to make the sentence complete and coherent (coherent means logically complete and sound). Think of life in the north-eastern part of the country, marked with the presence of big rivers, ______________.
A. The air travel today is the fastest, most comfortable and prestigious mode of transport.
B. The air transport was nationalized in 1953.
C. Air travel is not within the reach of the commom people.
D. Dissected relief, dense forests and frequent floods and international frontiers, in the absence of air transport.
E. None of these
156. Direction: In the given question, a statement divided into different segments is given. The first segment is fixed, rearrange the other segments to form a coherent statement. If the sentence is already arranged or the correct sequence doesn't match any of the given sequence, mark (e).i.e. "None of the above" as your answer. By learning basic plant anatomy/ but also knowing where in the field guide to look for them (P)/ telling species apart, (Q)/ proficient not only at (R)/ one can soon become (S)
A. SRQP
B. QSRP
C. PSRQ
D. PQSR
E. None of the above
157. Direction: In the given question, a statement divided into different segments is given. The first segment is fixed, rearrange the other segments to form a coherent statement. If the sentence is already arranged or the correct sequence doesn't match any of the given sequence, mark (e).i.e. "None of the above" as your answer. Educational testing indicates that children/ have recognition vocabularies (P)/ of over twenty thousand words (Q)/ in which English is the native language (R)/ who have grown up in families. (S)
A. PRSQ
B. SQRP
C. SRPQ
D. PRQS
E. None of the above
158. Direction: In the given question, a statement divided into different segments is given. The first segment is fixed, rearrange the other segments to form a coherent statement. If the sentence is already arranged or the correct sequence doesn't match any of the given sequence, mark (e).i.e. "None of the above" as your answer. Miss Nelson who teaches Maths/ to middle school children (P)/ had won a poetry competition (Q)/ in St. George School (R)/ which was held this July (S)
A. RSPQ
B. PRQS
C. QRSP
D. QPSR
E. None of the above
159. Direction: In the given question, a statement divided into different segments is given. The first segment is fixed, rearrange the other segments to form a coherent statement. If the sentence is already arranged or the correct sequence doesn't match any of the given sequence, mark (e).i.e. "None of the above" as your answer. At first glance/ friendly when approached (P)/ at her phone, almost as if she (Q)/ wants to avoid the crowd but (R)/ she seems reticent, staring down (S)
A. SRPQ
B. SQRP
C. QPSR
D. RSPQ
E. None of the above
160. Rearrange the parts of the sentence in the correct order.
People with borderline personality disorder P. trust issues, emotional dysregulation Q. typically have anxiety, depression R. and narcissism, all of which S. make life very difficult
A. QSRP
B. QPRS
C. SRPQ
D. SPRQ
E. None of the above
