Model Question

Bank clerk's Exam

English
Directions (Q. 1-20): Read the following passage carefully and answer the questions that follow: Acting with unusual speed, the European Union has come up with an unprecedented $750-billion rescue package to combat the fast-spreading debt crisis that has engulfed Europe. Another $321 billion is to be provided by the International Monetary Fund. On the day the package was announced, financial markets across the world bounced back, sharply reversing the steep declines of the previous three days. In India, the benchmark stock indices staged one of the biggest one-day rallies seen over the previous year. Since then, the stock markets have moderated, as it came to be felt that this huge package will only provide a breather and not address the basic causes that brought about the crisis in the first place. The urgent task is to check the rapid spread of contagion. The crisis that had its origins in Greece's fiscal problems has spread to the rest of Europe, although only three other countriesPortugal, Spain and Ireland, all with high levels of public indebtedness are seen to be particularly vulnerable. The fears that the troubles in Europe would morph into another global crisis seem exaggerated. However, in the United States and many other developed countries, the European crisis might choke the already feeble recovery. There are some similarities between the latest crisis and the previous one. Both had their origins in what were unlikely sources. The US sub-prime housing market was hardly a familiar name even to bankers in many developing countries. Greece, with just2.5 percent ofthe euro zone's GDP, was least expected to threaten the euro and the monetary union or export its problems to many parts of the world. As in the previous crisis, the globalisation of financial markets has meant Greece's domestic problems rattling markets across the world. Private capital has stopped flowing into countries with strained finances. The euro has sunk to a 14-month low and the bond markets, reflecting the uncertainty, are quoting at increased spreads. Financial markets and governments will be looking for positive cues in the wake ofthe massive package. It is not clear in what shape the euro and the monetary union will emerge after the crisis. Euro-sceptics are having a field day, pointing out, among others, the relative inflexibility ofthe euro mechanism to tackle a crisis such as the one in Greece. In India, the crisis in Europe has, apart from having its impact on stock prices, raised question marks on the private sector's overseas borrowing. And once again, the crisis has shown the fickle nature of foreign portfolio money managers. 1. Which of the following statements is/are true in the context of the passage? A. The rescue passage had a direct bearing on the financial markets. B. The Greek crisis could not remain confined to its domestic market alone. C Portugal, Spain and Ireland are more vulnerable to the debt crisis. Choose the correct option. l)OnlyC 2) Only A 3) Only B 4) Only A and C 5) All the above Greek crisis is basically a . 1) monetary crisis 2) general economic crisis 3) trust deficit 4) political crisis 5) debt crisis G l o b a l i s a t i o n of financial m a r k e t s has its own contradiction in terms of . 1) affecting private capital flow 2) affecting bond market 3) affecting the credibility of euro 4) All the above 5) None of these The author has suggested that an urgent task is to contain the speed of contagion. What does it mean? 1) The debt crisis has to be stopped from spreading to other countries. 2) There is an urgent need of reforming the entire financial market. 3) India should be wary of this 4) The European Union should seek cooperation from other economic blocs. 5) None of these What impact does Greek debt crisis have on India? 1) India should stop borrowing from multilateral institutions. 2) India should withdraw from the WTO. 3) Private sector's overseas borrowings are not safe. 4) India will experience a similar crisis soon 5) None of these What amount of GDP does Greece have as a percentage of euro zone GDP? 1)3.5 2)4.6 3)2.5 4)5.0 5)6.3 Greek debt crisis would have bad impact on the economies of the developed countries in terms of 1) worsening their balance of payment 2) their efforts to recover from global financial crisis 3) rasing the rate of unemployment 4) spawning inflationary tendencies 5) All the above According to the author, there are some similarities between the Greek debt crisis and the earlier financial crisis. Which of the followings is one of these?

2.

3.

4.

5.

6.

7.

8.

1) Both were the handiwork of speculators. 2) Both have their origin in Europe. 3) Both have their origin in the Asian-European zone. 4) Both have had crippling effect on the Indian economy. 5) Both have their origins in unlikely sources 9. Recovery package to help Greece tide overthe debt crisis will engender the hopes of . 1) financial markets 2) governments 3) public 4 ) B o t h ( l ) a i R l ( 2 ) 5) None of these 10. Which of the following will better explain the meaning of the phrase 'reversing the steep declines of as used in the passage? 1) effecting a change 2) worsened 3) sidetracked 4) demoralised 5) containing the negative trend 11. What is meant by 'engulfed' as used in the passage? 1) affected 2) declined 3) destroyed 4) devoured 5) developed 12. What is the meaning of 'breather' as used in the passage? 1) regret 2) connotation 3) mutation temporary 4) assistance 5) relief 13. Which of the following is opposite of the phrase 'feeble recovery'? 1) robust recovery 2) bold recovery 3) sudden recovery 3) strained recovery 5) late recovery 14. What does 'rattling' mean, as used in the passage? 1) supporting 2) criticising 3) effecting 4) sustaining 5) affecting 15. What will be the opposite of the word 'exaggerated' as used in the passage? 1) unfounded 2) appreciated 3) sedated 4) quiescent 5) deflated 16. Which word will be the opposite of the word 'sceptics' as used in the passage? 1) assistant 2) critic 3) protagonist 4) cynicism 5) charlatan 17. What does 'in the wake of indicate? 1) aftermath 2) post facto 3) following 4) thereafter 5) All the above 18. Which of the following is the opposite of the word 'vulnerable', as used in the passage? 1) prone 2) yielding to 3) given to 4) remains unaffected 5) None of these 19. What does the phrase 'morph into' suggest? 1) slip away 2) push into 3) change into 4) recover 5) validate 20. Which of the following will be the opposite of the word 'unprecedented'? 1) happening after 2) happening before 3) precarious 4) predicament 5) presage Directions (Q. 21-25): In t h e following passage, sentences have been jumbled. Choose the correct o r d e r of the sentences so that a logical construction of the passage can be possible.

Could you think of a world without time? It all sounds too good to be true, or even practical for that matter, does it not? C To be able to play on endlessly without being told that it was time to go home. D. For a world without time would probably be a totally chaotic place to live in, with everything happening all at oncea kind of topsy-turvy land! E Imagine what it would be like not to have to tumble out of bed to the shrill buzz of the morning alarm and to hurry to catch the school bus! 21. Which of the following is the FIRST sentence of the passage? 1)E 2)P 3)D 4)C 5)A 22. Which of the following will be the THIRD sentence of the passage? 1)A 2)B 3)C 4)D 5)E 23. Which of the following will be the LAST sentence of the passage? 1)A 2)B 3)C 4)D 5)E 24. Which of the following will be the SECOND sentence of the passage? 1)A 2)E 3)C 4)B 5)D 25. Which of the following will be the FOURTH sentence of the passage? 1)A 2)B 3)C 4)D 5)E Directions (Q. 26-35): Fill in the blanks with appropriate words out of the given options. 26. There was a all about the palace, and the concerned the security guards. 1) gift, distribution 2) silence, quiet 3) tranquil, temper 4) feast, circulation 5) travail, peace 27. The football team was once by injuries: of 11 members, only five were fit to play. 1) decimated 2) isolated 3) boycotted 4) heckled 5) muscled 28. The conspirators met in order to plot a(n) against the oppressive governance of Julius Caesar. 1) clandestinely, revolt 2) wickedly, invocation 3) craftily, referendum 4) wittily, ban 5) deservedly, result 29. Vinay is much too in his writings: he writes a paragraph when a sentence should suffice. 1) benevolent 2) skilled 3) verbose 4) lucid 5) munificence 30. With one motion, Rakesh disarmed his assailant. 1) swift 2) ponderous 3) superficial 4) boisterous 5) fact 31. The report was since the information on which it was based was erroneous, but it was brilliantly presented.

A. B.

1) intelligent 2) wonderful 3) worthless 4) verbose 5) verbatim 32. Pretending not to notice the toys in the shop, Aryan the small boy acted in a manner. 1) doleful 2) nonchalant 3) convincing 4) ord inary 5) common 33. As several shops have across the street, the old directory is . 1 ) relocated, obsolete 2) reversed, enticing 3) transferred, dismantled 4) vanished, beautiful 5) rescued, revamped 34. The room in this apartment has not been used for a long time. 1 ) derelict 2) contractual 3 ) bereaved 4) crowded 5) nostalgic 35. Salman the superstar felt that certain incidents in his life were too to be divulged. 1 ) intriguing 2) derivative 3) private 4) rudimentary 5) ruthless Directions (Q. 36-45): In the following sentences, there may be error in one of the underlined parts numbered 1,2,3 and 4. However, if there is no error in any of the parts, your answer will be 5. 36. Crossing the street /a bus almost / crushed us / to death./
1) 2) 3) 4)

remarkable person / No errors

4) 1) 4) 1) 4) 5) 2) 2) 5) 3) 5) 3)

44. Using it wisely / leisure / promotes /health.long life. efficiency and happiness./ No error 45. I am not to eager / to go to this movie /because / it did not get good reviews. / No error Directions ( Q . 46-50): Substitute the underlined phrases by the one which you think most appropriate. If there is not need of substitution, your answer will be "No correction required". 46. The state-of-the-art technology has come as a boon for India. 1 ) The state technology 2) The state and art technology 3) The state engineering 4) The art and state technology 5) No correction required 47. I fell off the ladder. 1) fell out of 2) fell from 3) fell away 4) fell upon 5) No correction required 48. She spent the day sorting through a box full of odd and end. 1) oddities and ends 2) odds and ends 3) ends and odds 4) ends and oddities 5) No correction required 49. The announcement finally laid all the speculation about their future on rest. 1 ) laid to rest 2) laid upon rest 3) laid down the rest 4) laid for rest 5) no correction required 50. The curriculum was too narrow and too rigid. 1 ) to be narrow and rigid 2) too narrow to be rigid 3) too rigid to be narrow 4) too rigid but too narrow 5) No correction required

No error
5)

37. The moral of the entire story / is / How money/ does not
1) 2) ~ 5) 1) 4) 1) 3) 5) 2) 2) 3) 3)

make you happy./ No error.

4)

38. Stolen the money/ the student feigned / as if / nothing had happened./ No error. 39. Even since the sting operation / there has been much opposition / from they who maintain / that it was an unauthorised act / No error
4) 5) 1)

Quantitative Aptitude

40. The child is neither encouraged to be critical / or to be examined / on all the aspects / of its opinion / No error
2) 1) 3) 2) 5) 1) 4) 1) 2) 2) 5) 3) 3) 4) 3) 5)

41. Who depend on skilful / suggestions / sledom / use arguments./ No error

4)

42. If some Indians look at /where they are going / it can be seen / that our goal is money / No error 43. Of all the persons /1 have ever met / Sravan is / the most

1)1850 2)41 3)1399 4)40 5) None of these 76. The difference between a two-digit number and the number obtained by interchanging the digits is 36. What is the difference of the two digits of the number? 1)1 2)2 3)3 4)4 5)5 77. Two numbers are in the ratio of 5 : 3. If the sum of these two numbers is 400, what is the larger number? 1)75 2)150 3)200 4)250 5)275 78. 'A' began a business with Rs 5000 and was joined afterwards by ' B ' with Rs 4000. When did ' B ' join if the profits at the end of a two year term is divided in the ratio 3 :2? 1) After 9 months 2) After 2 months 3) After 4 months 4) After 8 months 5) After 6 months 79. The average age of 20 boys in a class is 12 years and that of 10 girls of the class is 15 years. What is the average age of all 30 students of the class? 1) 11 yrs 2 ) 1 2 . 5 y r s 3 ) 1 3 y r s 4)13.5yrs 5)14yrs 80. If the ratio of the present age of 'A to that of ' B ' is 5 :6 and six years earlier the ratio of their ages was 4 : 5 , what is the present age of ' B ' ? l ) 1 8 y r s 2 ) 2 4 y r s 3)30yrs 4)36yrs 5)60yrs 81. Raj invested an amount for two years at a simple interest rate of 8% p.a. He got an amount of Rs 14500 at the end of two years. How much amount did he invest? l)Rs 11250 2) Rs 12000 3) Rs 12500 4) Rs 12800 5) Rs 13200 82. Amar started a business, investing Rs 64000. Six months later, Ajay joined with Rs 48000. In what ratio should the profit they earned be distributed at the end of year? 1)8:5 2)8:3 3)4:1 4)5:3 5)3:2 83. Rahul spent 2 6 % on rent, 9% on medical bills, and 15%on school fee. 2 5 % of the remaining amount was spent on furniture and the remaining Rs 5100 was saved aside for investments. How much amount did he spend on rent? l)Rs2526 2)Rs3836 3)3560 4)Rs3560 5)Rs3536 84. If the difference between a number and its two-fifths is 45, what is the number? 1)78 2)75 3)70 4)80 5)85 85. What will be the compound interest on an amount of Rs 46875 for a period of 3 years at 4% p.a.? l)Rs5653 2)Rs5853 3)Rs5252

4)Rs5356 5) None of these 86. If the difference between the simple interest and the compound interest earned on a sum of money at the rate of 4% p.a. for 2 years is Rs 18, what is the principal? l)Rs 11250 2)Rs 12150 3) Rs 10250 4) Rs 18250 5) None of these 87. A-129-m-long train crosses a 39-m- long platform in 14 seconds. What is its speed? 1)41 kmlr' 2)43.2kmh-' 3)44.5 knur 4)45 kmh' 5) None of these 88. Amar, Mohan and Raj started a business in partnership, investing in the ratio of 5 : 2 : 3. At the end of the year they earned a profit of Rs 48000, which is 16% of their total investment. How much did Mohan invest? l)Rs 50000 2) Rs 40000 3) Rs 60000 4) Rs 65000 5) None of these 89. Among 4 8 students each contributes Rs 3 8 to the amount to buy new books for a library. If 4 students drop out, how much additional amount does each student have to pay? l)Rs2.25 2)Rs3.2 3)Rs3.45 4)Rs4.5 5) None of these
1 1

l)Rs439.16 2)Rs423.16 3)Rs412.16 4)Rs436.11 5) None of these 96. What approximate value should come in the place of Question mark (?) in the eiven eauation? 1)15398 2)16498 3)15192 4)14369 5)15460 97. The difference between 54% of a number and 36% of the same number is 216. What is 6 9 % of the number? 1)621 2)828 3)720 4)863 5)858 98. A hotel canteen requires 118 kg of rice for a week/How many kg of rice will it require for 77 days? 1) 1298kg 2) 1294kg 3) 1428kg 4) 1290 kg 5) 1268 kg 99. If an amount ofRs 41975 is distributed equally amongst 23 persons, how much amount do 13 persons get together? l)Rs21875 2) Rs 23725 3) Rs 22950 4) Rs 24350 5) None of these 100. The cost of 3 TVs and 6 DVDs is Rs 90000. What is the cost of 8 TVs and 16 DVDs? l)Rs210000 2)Rs225000 3)Rs 124000 4) Rs 240000 5) None of these

and their total salary is Rs 38000, what is Amarjeet's salary? l)Rs 28000 2) Rs 30000 3) Rs 31000 4) Rs 32000 5) None of these 91. If the production of a factory grows at 6% p.a., what will be its production for the year 2007 if its production in 2005 was 82 lakh tonnes? 1) 92.135 lakh tonnes 2) 93.12 lakh tonnes 3) 94.4 lakh tonnes 4) 97.15 lakh tonnes 5) None of these 92. If the following fractions' are

Test of Reasoning
101. How many such pairs of letters are there in the word MANAGER each of which has as many letters between them in the word as in the English alphabet? 1) None 2) One 3) Two 4) Three 5) More than three 102. 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? 1)13 2)26 3)39 4)52 5)66 103. In a certain code SHORT is written as 12345 and TEAR is written as 5674. How is HEART written in that code? 1)27645 2)27654 3)26745 4)26754 5) None of these 104. How many meaningful English words can be made with the letters OELV, using each letter only once in each word? 1) None 2) One 3) Two 4) Three 5) More than three 105. 'EG' is related to 'GI' and ' M O ' is related to ' O Q ' in the same way as ' F H ' is related to 1)JM 2)HJ 3)JH 4)KI 5) None of these 106. How many such digits are there in the number 58674139 each of which is as far away from the beginning of the number as when the digits within the number are rearranged in ascending number? 1) None 2) One 3) Two 4) Three 5) More than three 107. In a certain code language 'tis sa ra' mean 'Ram is honest'; 'sa la j a ' means 'Shyam is dishonest'; and 'ra da pa' means 'I am honest'. Which of the following means 'Ram' in that code language?

arranged in descending order, which will be the last in the series?

93. What is the interest received on a principal of Rs 650 for 3 years if the interest received on Re 1 after 5 years at the same rate of SI is Re 0.50? l)Rsl92 2)Rsl95 3)Rsl65 4)Rsl72 5) None of these 94. 'A' and ' B ' contested an election. If 'A' got 420 votes, which is 60% of the total votes, what was the total number of votes? 1)750 2)820 3)700 4)580 5)680 95. The labelled price of a product is Rs 620. If it is sold at 15% discount and the dealers earn a 2 0 % profit, what is the cost price?

l)tis 2)sa 3)ra 4) Cannot be determined 5) N one of these 108. What should come next in the following number series? 987654398765498765987698 1)7 2)6 3)5 4)4 5) N one of these 109. Which of the following is the middle digit of the highest among the following five numbers? 254 319 963 842 697 1)5 2)1 3)6 4)4 5)9 110. In a class of 45 students, Manish is eighth from the top. Aran is 20th from the bottom. How many students are there between them? 1)16 2)17 3)18 4)19 5) N one of these Directions (Q. 111 -115): In the following questions, the symbols , , , and are used with the following meaning as illustrated. 'P Q' means 'P is greater than Q'. ' P Q' means' P is neither greater than nor smaller than Q\ ' P Q' means ' P i s smaller than Q.' 'P Q' means 'P is either smaller than or equal to Q' 'P Q' mean 'P is either greater than or equal to Q'. In each of the following questions assuming the given statements to be true, find out which of the two conclusions I and II given below them is/are definitely true. Give answer 1) If only conclusion I is true. Give answer 2) If only conclusion II is true. Give answer 3) If either conclusion I or conclusion II is true. Give answer 4) If neither conclusion I nor conclusion II is true. Give answer 5) If both conclusion I and II are true. CD B C, 111. Statements: A B , II. D B Conclusions: I. D B M N , LO 112. Statements: I. M, II.N L Conclusions: I.O M, B D, D E 113 Statements: V B, II.DV Conclusions: I. E B S T, T U 114. Statements: R S, Conclusions: I. U R II.T R H l, IJ 115 Statements: G H, II.JG Conclusions: I. IG Directions (Q. 116-120): In each question below are given three statements followed by two conclusions numbered I and II. You have to take the three given statements to be true even if they seem to be at variance with commonly known facts and then decide which of thegiven conclusions logically follows from the three statements disregarding commonly known facts. Give answer 1) if only conclusion I follows. Give answer 2) if only conclusion II follows. Give answer 3) if either conclusion I or II follows. Give answer 4) if neither conclusion I nor II follows. Give answer 5) if both conclusions I and II follow.

116. Statements: Some dogs are foxes. Some foxes are hens. All hens are elephants. Conclusions: 1. Some elephants are foxes. II. Some elephants are dogs. 117. Statements: All books are copies. Some copies are pens. All pens are pencils. Conclusions: I. Some pencils are books. II. Some pencils are copies. 118. Statements: Some teachers are students. Some students are lecturers. Some lecturers are readers. Conclusion: I. Some readers are teachers. II. Some readers are students. 119. Statements: All coins are paise. No paisa is luck. Some lucks are future. Conclusions: I. Some futures are coins. II. No future is a coin. 120. Statements: All hens are chickens. All goats are chickens. All chickens are mutton. Conclusions: I. Some muttons are hens. II. Some goats are mutton. Directions(Q. 121-125): Study the following arrangement carefully and answer the questions given below: MF4@H2J1U6W7$YP#K3 121. Which of the following is the twelth to the left of the twentieth from the left end of the above arrangement? 1)1 2)7 3) J 4)U 5) None of these 122. How many such numbers are there in the above arrangement each of which is immediately preceded by a symbol and also immediately followed by a consonant? 1)None 2) One 3)Two 4) Three 5) More than three. 123. Four of the following are alike in a certain way based on their positions in the above arrangement and so form a group. Which is the one that does belong to that group? 1)FM 2)H@ 3)6U 4)7$ 5)3 124. Which of the following is the sixth to the left of the eighth from the right end of the above arrangement? 1) 2)6 3 ) W 4)U 5) None of these 125. How many such symbols are there in the above arrangement each of which is immediately preceded by a number and also immediately followed by a consonant? 1) None 2) One 3)Two 4) Three 5) None of these Directions (Q. 126-130): In each question below is given a group of digits/symbols followed by four combinations of letters numbered 1), 2), 3) and 4). You have to find out which of the combinations correctly represents the group of digits/ symbols based on the following coding system and mark the number of that combination as the answer. If none of the letter combinations correctly represents the group of digits/

symbol, mark 5), ie 'None of these', as the answer. Digit/Symbol: 7 $ 9 2 #3 5 8 @ 1 6 4 % 8 Lettercode : G R T A H E I U B J F Q N P M L Conditions: (i) If the first element in the group is a symbol and the last element is a digit, the codes are to interchanged. (ii) If the first element in the group is a digit and the last element is a symbol, both are to be coded as the code for the digit. (iii) If both the first and the last elements are even digits, both are to be coded as ' X ' . (iv) If both the first and the last elements are odd digits, both are to be coded as ' Y \ 126.93 1 % 5 1)TIQMHL 2) L I Q M H T 3)LIQMHL 4)TIQMHT 5) None of these 127.7#$%3 5 1)GERMIU 2)UERMIG 3)GERMIG 4)XERMIX 5) None of these 128.2 # 8 3 6 1)YBEJIY 2)ABEJIN 3)NBEJIA 4)XBEJIX 5) None of these 129.$ 1896 1)RQJTNH 2)HQJTNR 3)RQJTNR 4)YQJTNY 5) None of these 130.4 6 3 8 9 1)PNBIJT 2)XNBI JX 3)TNBIJP 4^PNRI.IP 5) None of these Directions (Q. 131-135): Study the following information and answer the questions given below: A, B, C, D, E, F, G and H are sitting around a circle facing the centre. B is second to the right of C. D is second to the right of F, who is second to the right of A. C is third to the left of A and second to the right of E. G is not an immediate neighbour ofC.

131. Who is on the immediate right of H? 1)D 2)G 3)A 4) Date Inadequate 5) None of these 132. Who is on the immediate left of D? 1)C 2)H 3)F 4)E 5) Data Inadequate 133. Who is third to the right of H? 1)E 2)F 3)D 4)G 5) Data Inadequate 134. Who is second to the right of G? 1)B 2)D 3)F 4) Data Inadequate 5) None of these 135. In which of the following is the first person sitting in between the second and the third person? 1)BHA 2)CHB 3)EDC 4)EFG 5) None of these Directions (Q. 136-140): These questions are based on a code language which utilises letters in the English alphabet. In each question, there is a word written in small letters. That code is denoted by 1,2,3,4 or 5, not necessarily in the same order. You have to find out the exact code for the underlined letter in the word. The number of that code is the answer. Please note that the same letter appearing in other word(s) may be coded differently. 136. M A R K S 1 )0 2)p 3)c 5)m 4)j 137. G U P T A 2)u 4)c 5)t Or 3)i 138. W A T E R 2 )x 4)t 5)v l)b 3)y 139. L E A R N 2)o 3)h 4)d 1)11 5)q 140. C A B L E 2)c 4)b 3)d 1)2 5)1

Directions (Q. 141-145): Each of the following questions consists of unmarked figures followed by five figures marked 1,2,3,4 and 5. Select a figure from the marked figures which will continue the series established by the unmarked figures.

141. 1) 142. 2) 3) 4) 5)

143.

1)

2)

3)

4)

5)

144.

145.
1) 2) 3) 4) 5) Directions (Q. 146-150); Each of the following questions consists of unmarked figures followed by five figures marked 1,2,3,4 and 5. Select a figure from the marked figures which will replace the question mark so that a series be established by the unmarked figures.

149.