Probationary Officer / Management Trainee - 2008

Q.1. How many such digits are there in the number 5236978 each of which is as far away from the beginning of the number as when the digits are rearranged in ascending order within the number?

a) None

b) One

c) Two

d) Three

e) More than three

Q.2. In a certain code COMPUTER is written as LNBVQSFU. How is BULKHEAD written in that code?

a) MVCILEBF

b) KTAILEBF

c) MTAGJEBF

d) KTAGJEBF

e) None of these

Q.3. How many meaningful English words can be made with the letters IDET using each letter only once in each word?

a) None

b) One

c) Two

d) Three

e) More than three

Q.4. 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) HK

b) BD

c) FI

d) MP

e) SV

Q.5. 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) Tomato

b) Brinjal

c) Radish

d) Pumpkin

e) Gourd

Q.6. How many such pairs of letters are there in the word IMPORTANCE, each of which has as many letters between them in the word as they have between them in the English alphabet?

a) None

b) One

c) Two

d) Three

e) More than three

Q.7. 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) Dog

b) Horse

c) Wolf

d) Jackal

e) Cat

Q.8. In a certain code FIRE is written as #%@$ and DEAL is written as ©$Ú. How is FAIL written in that code?

a) #Ú%

b) #$%

c) #Ú@$

d) #Ú©

e) None of these

Q.9. In a certain code language, ‘come again’ is written as ‘ho na’; ‘come over here’ is written as‘pa na ta’; and ‘over and above’ is written as ‘ki ta ja’. How is ‘here’ written in that code language?

a) pa

b) na

c) ta

d) ja

e) None of these

Q.10. 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) 84

b) 120

c) 72

d) 108

e) 98

What should come in place of the question mark (?) in the following questions?

Q.51. (47 × 588) ÷ (28 × 120) =?

a) 6.284

b) 7.625

c) 8.225

d) 8.285

e) None of these

Q.52. 45% of 224 ×? % of 120 = 8104.32

a) 67

b) 62

c) 59

d) 71

e) None of these

Q.54. 6573 ÷ 21 × (0.2)2 =?

a) 7825

b) 62.6

c) 1565

d) 12.52

e) None of these

Q.55. 74156 -? - 321 - 20 + 520 = 69894

a) 3451

b) 4441

c) 5401

d) 4531

e) None of these

What should come in place of the questions mark (?) in the following number series?

Q.56. 1548 516 129 43 ?

a) 11

b) 10.75

c)9.5

d) 12

e) None of these

Q.57. 949 189.8 ? 22.776 11.388 6.8328

a) 48.24

b) 53.86

c) 74.26

d) 56.94

e) None of these

Q.58. 121 144 190 259 ? 466

a) 351

b) 349

c) 374

d) 328

e) None of these

Q.59. 14 43.5 264 ? 76188

a) 3168

b) 3176

c) 1587

d) 1590

e) None of these

Q.60. 41 164 2624 ? 6045696

a) 104244

b) 94644

c) 94464

d) 102444

e) None of these

Q.61. Two numbers are less than the third number by 50%and 54%respectively. By how much percent is the second number less than the first number?

a) 13

b) 10

c) 12

d) Cannot be determined

e) None of these

Q.62. In how many different ways can the letters of the word ‘BLOATING’ be arranged?

a) 40320

b) 5040

c) 2520

d) 20160

e) None of these

Q.63. The average of 5 numbers is 306.4. The average of the first two numbers is 431 and the average of the last two numbers is 214.5. What is the third number?

a) 108

b) 52

c) 321

d) Cannot be determined

e) None of these

Q.64. Fifty six men can complete a piece of work in 24 days. In how many days can 42 men complete the same piece of work?

a) 18

b) 32

c) 98

d) 48

e) None of these

Q.65. A man takes 6 hours 35 minutes in walking to a certain place and riding back. He would have taken 2 hours less by riding both ways. What would be the time he would take to walk both ways?

a) 4hrs 35 mins

b) 8hrs 35 mins

c) 10 hrs

d) 8 hrs 25 mins

e) None of these

Q.101. Where has India established its first permanent research station?

a) North pole

b) South pole

c) Near equator

d) Eastern part

e) None of these

Q.102. The government is planning to setup how many new information technology cities across country to retain its top status in the business?

a) 41

b) 42

c) 43

d) 44

e) None of these

Q.103. In which of the following year the user trial of Russian Akula-II nuclear power attacked submarine would be inducted in Indian navy?

a) 2009

b) 2010

c) 2012

d) 2015

e) None of these

Q.104. Which of the following is related to the VISION- 2020?

a) Socioeconomic development

b) Social development

c) Economic development

d) Rural development

e) None of these

Q.105. Which of the following countries has claimed to create the world’s first DNA molecule made of entirely artificial part?

a) China

b) India

c) America

d) Japan

e) Britain

Q.106. Which of the following statement is/are TRUE about “Varunastra”?

(a) Varunastra in an electronic torpedo being developed by Naval Science and Technological Laboratory (NSTL), will be ready by 2009.

(b) The torpedo will target ships and will be the first heavy weight to be inducted into navy.

(c) The 7.6 m, 1500kg torpedo will be lethal and has range of up to 30 km.

(d) This torpedo is wire guided

a) Only (a) and (d)

b) Only (c)

c) Only (a), (b) and (c)

d) All are true

e) None of these

Q.107. What is the main aim of total financial inclusion?

a) To provide financial support to all the farmers living below poverty line.

b) All the households in the country should have a bank account and all kind of transaction like money, subsidies, pension etc.

c) Profitability of financial institutions and serving the need of economy.

d) Expanding rural employment guarantee to the whole country.

e) None of these

Q.108. Which of the following statement is/are TRUE about Phoenix Mars Lander?

(a) NASA's spacecraft phoenix mars lander landed in the northern polar region of Mars on May 25,2008,

(b) Phoenix has the sixth successful landing on Mars, out of twelve total international attempts.

(c) It is sixth successful landing of seven American attempts.

(d) It is first successful landing on the polar region of Mars.

(e) Objective of the mission was to study the History of water in the Martian Arctic and search for the evidence of a habitable zone.

a) Only (a), (b), (c) & (d)

b) Only (b), (c) and (e)

c) All are true

d) Only (e)

e) None of these

Q.109. Which of the following statement is/are TRUE about Agni missile?

(a) Agni III missile will give nation capability to target cities in china like Beijing and Shanghai.

(b) Agni III is country's first solid fuel missile which is compact and small.

(c) It paves way for India to build its truly inter-continental range missiles Agni-IV (5000 Km) in near future.

a) Only (a) and (c)

b) Only (b) and (c)

c) Only (a) and (b)

d) All are true

e) None of these

Q.110. Who is chairman of the committee on Criminal Justice System?

a) Veerappa Moily

b) N.R.Madhavan

c) K.G. BalaKrishanan

d) A.R. Lakshmanan

e) None of these

Q.111. Which of the following statements is/are TRUE regarding package for Godhra victims?

(a) The next of the kin of 1169 people killed in the horrific riots will be paid Rs. 3.5 lakh ex-gratia.

(b) A sum of Rs. 1.25 lakh will be paid to each of the 2548 people injured after deducting the amount already paid by the state government

(c) Victim whose residential property has been damaged will get an additional ex-gratia ten times the amount given by the state government.

d) Package also provides for grant in additional ex-gratia for damage to uninsured commercial and industrial property. This ex-gratia would be ten times the amount given by the state government deducting what has been paid already.

a) (a) and (b)

b) (b) and (c)

c) (a) and (c)

d) All are true

e) None of these

Q.112. By which of the following year, India and Bhutan will signed an agreement to double the hydroelectricity generation to 10000 M.W.

a) 2010

b) 2015

c) 2020

d) 2012

e) None of these

Q.113. With which of the following countries Union Panchayti Raj Minister of India Mani Shankar Aiyar,signed a MOU on setting up a joint working group on local governance?

a) Bhutan

b) Pakistan

c) Afghanistan

d) Nepal

e) None of these

Q.114. By which year, will the BRIC countries eclipse most of the current richest countries of the world.

a) 2020

b) 2030

c) 2025

d) 2050

e) None of these

Q.115. Which of the following country is pursuing the ‘Sons-of-Soil Policy’ in the employment and tougher immigration rules?

a) India

b) Arab

c) Russia

d) China

e) Britain

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.

Political ploys initially hailed as masterstrokes often end up as flops. The Rs. 60000-crore farm loan waiver announced in the budget writes off 100% of over dues of small and marginal farmers holding up to two hectares, and 25% of over dues of larger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have had little impact, thanks to huge leakages from the government's lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief.

However, the poorest rural folk are landless laborers. who get neither farm loans nor waivers. Half of small and marginal farmers get no loans from banks and depend entirely on money lenders, and will not benefit, Besides, rural India is full of family holdings rather than individual holdings, and family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will, therefore, be denied the 100% waiver. It will thus fail in both it economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it. After the last farm loans waiver in 1990, many banks went slow on fresh farm loans for some years. This waiver will similarly slow down fresh loans to deserving farmers. While over dues to co-operatives may be higher, economist Surjit Bhalla says less than 5% of farmer loans to banks are overdue, i.e. overdues exist for only 2.25 million out of 90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalized for honesty.

The budget thus grossly overestimates the number of beneficiaries. It also underestimates the negative effects of the waiver–encouraging willful defaults in future and discouraging fresh bank lending forsome years. Instead of trying to reach the needy through a plethora of leaky schemes we should transfer cash directly to the needy, using new technology like biometric smart cards, which are now being used in many countries, and mobile phone bank accounts. Then benefits can go directly to phone accounts operable only by those with biometric cards, ending the massive leakages of current schemes.

The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm families’ benefit and many of these have to pay massive vote-winner? Members of joint families will feel aggrieved that, despite having less than one hectare per head, their family holding is too large to qualify for the 100% waiver. All finance ministers, of the central or state governments, give away freebies in their last budgets, hoping to win electoral regards. Yet, four-fifths of all incumbent governments are voted out. This shows that beneficiaries of favour are not notably grateful, while those not so favored may feel aggrieved, and vote for the Opposition. That seems to be why election budgets constantly fail to win elections in India and the loan waiver will not change that pattern.

Q.151. Why do economists feel that loan waivers will benefit farmers in distress?

a) It will improve the standard of living of those farmers. who can afford to repay their loans but are exempted.

b) Other government relief measures have proved ineffective.

c) Suicide rates of farmers have declined after the announcement of the waiver.

d) Farmers will be motivated to increase the size of their family holdings not individual holdings.

e) The government will be forced to reexamine and improve the public distribution system.

Q.152. What message will the loan waiver send to farmers who have repaid loans?

a) The government will readily provide them with loans in the future.

b) As opposed to money lenders, banks are a safer and more reliable source of credit.

c) Honesty is the best policy

d) It is beneficial to take loans from co-operatives since their rates of interest are lower.

e) None of these

Q.153. What is the author's suggestion to provide aid to farmers?

a) Families should split and joint holding to take advantage of the loan waiver.

b) The government should increase the reach of the employment guarantee scheme

c) Loans should be disbursed directly into bank accounts of the farmer using the latest technology.

d) Government should ensure that loan waivers can be implemented over a number of years.

e) Rural infrastructure can be improved using schemes which were successful abroad.

Q.154. What was the outcome of IRDP loans to the rural poor?

a) The percentage of bank loans sanctioned to family owned farms increased

b) The loans benefited dishonest money lenders, not landless labors.

c) Corrupt bank officials were the unintended beneficiaries of the loans.

d) It resulted in the government sanctioning thrice the amount for the current loan waiver.

e) None of these

Q.155. What are the terms of the loan waiver?

(A) One-fourth of the overdue loans of landless laborers will be written off.

(B) The Rs. 60000-crore loan waiver has been sanctioned for 2.25 million marginal farmers.

(C) Any farmer with between 26 per cent and 100 per cent of their loan repayments overdue will be penalized.

a) Only (A)

b) Only (B)

c) Both (B) & (C)

d) All (A), (B) & (C)

e) None of these

Q.156. What is the author's view of the loan waiver?

a) It will have an adverse psychological impact on those who cannot avail of the waiver.

b) It is justified measure in view of the high suicide rate among landless labourers.

c) It makes sound economic and political sense in the existing scenario.

d) It will ensure that the benefits of India's high GDP are felt by the rural poor.

e) None of these

Q.157. Which of the following cannot be said about loan waiver?

(A) Small and marginal farmers will benefit the most.

(B) The loan waiver penalizes deserving farmers.

(C) A large percentage i.e. ninety-five percent of distressed farmers will benefit.

a) Only C

b) Both (A) & (C)

c) Only (A)

d) Both (B) & (C)

e) None of these

Q.158. Which of the following will definitely be an impact of loan waiver?

(A) Family holdings will be split into individual holdings not exceeding one hectare.

(B) The public distribution system will be revamped.

(C) Opposition will definitely win the election

a) None

b) Only (A)

c) Both (A) & (B)

d) Only (C)

e) All (A), (B) & (C)

Q.159. What impact will the loan waiver have on banks?

a) Banks have to bear the entire brunt of the write-off.

b) Loss of trust in banks by big farmers.

c) Corruption among bank staff will increase

d) Farmers will make it a habit to default on loans.

e) None of these

Q.160. According to the author, what is the government's motive in sanctioning the loan waiver?

a) To encourage farmers to opt for bank loans over loans from moneylenders

b) To raise 90 million farmers out of indebtedness

c) To provide relief to those marginal farmers who have the means to but have not repaid their loans

d) To ensure they will be reelected

e) None of these

Choose the word which is most nearly the SAME in meaning as the word printed in bold as used in the passage.

Q.161. incumbent

a) mandatory

b) present

c) incapable

d) lazy

e) officious

Q.162. ploys

a) surveys

b) entreaties

c) ruses

d) conspiracies

e) assurances

Q.163. aggrieved

a) vindicated

b) intimidated

c) offensive

d) wronged

e) disputed

Choose the word/phrase which is most OPPOSITE in meaning of the word printed in bold as used in the passage.

Q.164. plethora

a) dearth

b) missing

c) superfluous

d) sufficient

e) least

Q.165. merited

a) ranked

b) unqualified for

c) lacked

d) inept at

e) unworthy of

Courtesy : Bank Exam Guide