Associate Exam Solved question paper

I need the SBI Associate Exam Solved question paper, is there any buddy to provide me the same?????

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As per your request here I am sharing the SBI Associate Exam Solved question paper:

1. If 'R' denotes ‘-‘ ; 'Q' denotes 'x' ‘W’ denotes '/' and 'A' denotes'+', then- 42 W 7 R 8 A 6 Q 4 = ?

a) -22

b) -168

c) 22

d) 28

e) None of these

2. Mohan walked 30 metres towards South, took a left turn and walked 15 metres. He then took a right turn and walked

20 metres. He again took a right turn and walked 15 metres. How far is he from the starting point?

a) 95 metres

b) 50 metres

c) 70 metres

d) Cannot be determined

e) None of these

3. What should come next in the following letter series based on English alphabet?

CEA IKG OQM ?

a) STW

b) WUS

c) SWU

d) UWS

e) None of these

4. The positions of how many digits in the number 59164823 will remain unchanged after the digits are rearranged in

descending order within the number?

a) None

b) One

c) Two

d) Three

e) More than three

5. What should come next in the following letter series?

P Q R S T A B C D E P Q R S A B C D E P Q R S A B C D P Q

a) R

b) T

c) A

d) B

e) None of these

6. In a certain code language, 'how can you go' is written as 'ja da ka pa', 'can you come here' is written as 'naka saja' ,

and 'come and go' is written as 'ra pa sa'. How is 'here' written in that code language?

a) ja

b) na

c) pa

d) Data inadequate

e) None of these

7. • How many such pairs of letters are there in the word TRIBUNAL each of which has as many letters between them in

the word as in the English alphabet?

a) None



b) One

c) Two

d) Three

e) More than three

8. In a certain code DOWN is written as '5@9#' and NAME is written as '#6%3'. How is MODE written in that code?

a) %653

b) %@63

c) %5@3

d) %@53

e) None of these

9. How many meaningful English words can be formed with the letters LGEU using each letter only once in each word?

a) None

b) One

c) Two

d) Three

e) More than three

10. In a certain code THRIVES is written as SIUHRDU. How is SOULFUL written in that code?

a) VPTKKTE

b) VPTKETK

c) TPVKKTE

d) TNRKMVG

e) None of these

Directions (11-15): In each of the questions below are given four statements followed by four conclusions numbered I II,

III & IV. You have to take the given statements to be true even if they seem to be at variance from commonly known

facts. Read all the conclusions and then decide which of the given conclusions logically follows from the given

statements disregarding commonly known facts.

11. Statements: Some trains are cars. All cars are branches. All branches are nets. Some nets are dresses.

Conclusions:

I. Some dresses are cars.

II. Some nets are trains.

III. Some branches are trains.

IV. Some dresses are trains.

a) Only I and III follow

b) Only II and III follow

c) Only I and IV follow

d) Only II, III and IV follow

e) None of these

12. Statements: Some pencils are kites. Some kites are desks. All desks are jungles. All jungles are mountains.

Conclusions:

I. Some mountains are pencils.

II. Some jungles are pencils.

III. Some mountains are desks.

IV. Some jungles are kites.

a) Only I and III follow

b) Only I, II and III follow

c) Only III and IV follow

d) Only II, III and IV follow



e) None of these

13. Statements: All papers are clips. Some clips are boards. Some boards are lanes. All lanes are roads.

Conclusions:

I. Some roads are boards.

II. Some lanes are clips.

III. Some boards are papers.

IV. Some roads are clips.

a) Only I and II follow

b) Only I and III follow

c) Only I, II and III follow

d) Only II, III and IV follow

e) None of these

14. Statements: All pens are clocks. Some clocks are tyres. Some tyres are wheels. Some wheels are buses.

Conclusions:

I. Some buses are tyres.

II. Some wheels are clocks.

III. Some wheels are pens.

IV. Some buses are clocks.

a) None follows

b) Only I follow

c) Only II follows

d) Only III follows

e) Only IV follows

15. Statements: All stones are hammers. No hammer is ring. Some rings are doors. All doors are windows.

Conclusions:

I. Some windows are stones.

II. Some windows are rings.

III. No window is stone.

IV. Some rings are stones.

a) Only I follows

b) Only II follows

c) Only III follows

d) Only either I or III follows

e) Only either I or III and II follow

Directions (16- 20) : Study the following information carefully and answer the questions given below:

the right of B. K is fourth to the left of B and third to the right of D. C is third to the right of H. E is second to the left of G.

16. Who is fourth to the le ft of G?

a) C

b) A

c) D

d) K

e) Data inadequate

17. What is E's position with respect to B?

a) Second to the left

b) Third to the right

c) Fourth to the right

A, B, C, D, E, F, G, H and K are sitting around a circle facing the centre. F is fourth of the right of A who is third of


d) Third to the left

e) Fifth to the right

18. Who is third to the right of K?

a) F

b) E

c) G

d) Data inadequate

e) None of these

19. Who is to the immediate right of F?

a) B

b) G

c) E

d) Data inadequate

e) None of these

20. In which of the following combinations is the third person sitting between the first and the second persons?

a) GFB

b) BGH

c) ADC

d) KEC

e) EGF

Directions (21-25): In the following questions, the symbols ∂, @, ©, % and * are used with the following meaning as

illustrated below:

'P © Q' means 'P, is not smaller than Q'.

'P % Q' means 'P, is neither smaller than nor equal to Q'.

'P * Q' means 'P, is neither smaller than nor equal to Q,

'P ∂ Q' means 'P, is not greater than Q'.

'P @ Q' means 'P is neither greater than nor smaller than Q.

Now in each of the following questions assuming the given statements to be true, find which of the three conclusions I,

II, III and IV given below them is/are definitely true and give your answer accordingly.

21. Statements: R * K, K% D, D@ V, V∂M,

Conclusions:

I. R * D

II. V * R

III.D@M

IV. M %D

a) None is true

b) Only III is true

c) Only IV is true

d) Only either III or W is true

e) Only either Ill or IV and II are true

22 Statements: F% N, N © W, W ∂ Y, Y*T

Conclusions:

I. F % W

II. T% N

III. N% Y

IV. T% W

a) Only I and III are true


b) Only I and IV are true

c) Only II and III are true

d) Only I, II and IV are true

e) None of these

23. Statements: B © T, T * R, R% F, F@K

Conclusions:

I. B %.R

II. F*T

III. R% K

IV. K * T

a) None is true

b) Only I is true

c) Only II is true

d) Only III is true

e) Only IV is true

24. Statements: J @ F, F ∂ N, N% H, H ©G

Conclusions:

I. G * N

II. N © J

III. F*J

IV. J ∂ G

a) Only I and II are true

b) Only I, II and III are true

c) Only II, III and IV ate true

d) All I, II, III and IV are true

e) None of these

25 Statements: D ∂ T, T @ R, R © M, M%K

Conclusions:

I. R@ D

II. R %D

III.K*T

IV. M ∂ T

a) Only either I or II is true

b) Only III and IV are true

c) Only either I or II and III are true

d) Only either I or II and IV are true

e) Only either l or II and III and IV are true

Directions (26- 30):

arguments and 'weak' arguments. 'Strong' arguments are those which are both important and directly related to the

question. 'Weak' arguments are those which are of minor importance and also may not be directly related to the

question or may be related to a trivial aspect of the question.

arguments is a 'strong' argument and which is a 'weak' argument.

26. Statement: Should there be a cap on drawing groundwater for irrigation purposes in India?

Arguments:

(A) No, irrigation is of prime importance for food production in India and it is heavily dependent on groundwater in

many part of the country.

In making decisions about important questions, it is desirable to be able to distinguish between 'strong'

Each question below is followed by three arguments numbered (A), (B) and (C). You have to decide which of the


(B) Yes, water tables have gone down to alarmingly low levels in some parts of the country where irrigation is primarily

dependent, on groundwater, which may lead to serious environmental consequences.

(C) Yes, India just cannot afford to draw groundwater any further as the international agencies have cautioned India

against it.

a) Only (A) and (B) are strong

b) Only (B) and (C) are strong

c) Only (A) and (C) are strong

d) All (A), (B) and (C) are strong

e) None of these

27. Statement: Should there be complete ban on setting up of thermal power plants in India?

Arguments:

(A) Yes, this is the only way to arrest further addition to environmental pollution.

(B) No, there is a huge shortage of electricity in most parts of the country and hence generation of electricity needs to be

augmented.

(C) No, many developed countries continue to set up thermal power plants in their countries.

a) None is strong

b) Only (A) is strong

c) Only (B) is strong

d) Only (C) is strong

e) Only either (A) or (B) is strong

28. Statement: Should there be a restricting on the construction of high rise buildings in big cities in India?

Arguments:

(A) No, big cities in India do not have adequate open land plots to accommodate the growing population.

(B) Yes, only the builders and developers benefit from the construction of high rise buildings.

(C) • Yes, the Govt. should first provide adequate infrastructural facilities to existing buildings before allowing the

construction of new high rise buildings.

a) Only (B) is strong

b) Only (C) is strong

c) Only (A) and (C) are strong

d) Only (A) is strong

e) None of these

29. Statement: Should road repair work in big cities be carried out only late at night?

Arguments:

(A) No, this way the work will never get completed.

(B) No, there will be unnecessary use of electricity.

(C) Yes, the commuter’s will face lot of problems due to repair work during the day.

a) None is strong

b) Only (A) is strong

c) Only (C) is strong

d) Only (B) and (C) are strong

e) Only (A) and (B) are strong

30. Statement: Should all the deemed universities be derecognized and attached to any of the central or state

universities in India?

Arguments:

(A) Yes, many of these deemed universities do not confirm to the required standards of a full-fledged university and

hence the level of education is compromised.

(B) No, these deemed universities have been able to introduce innovative courses suitable to the requirement of various

industries as they are free from strict Govt. controls.

(C) Yes, many such universities are basically money spinning activities and education takes a backseat in these

institutions.

a) Only (A) and (B) are strong

b) Only (B) and (C) are strong

c) Only (A) and (C) are strong

d) All (A), (B) and (C) are strong

e) None of these

Directions (31-35): In each question below is given a statement followed by three assumptions (A), (B) and (C). An

assumption is something supposed or taken for granted. You have to consider the statement and the following

assumptions and decide which of the assumptions is implicit in the statement.

31. Statement : Police authority cordoned off the entire locality for the entire day and stopped all vehicular movement

for the visit of a top functionary of the government in view of the threat perception and advised all the residents in the•

area to limit their movement outside their dwellings.

Which of the following assumption(s) is/are implicit in the above statement?

(A) Police personnel may not be able to control the vehicular movement in the locality and may seek help from the

armed forces.

(B) People living in the locality may move out of their houses for the day to avoid inconvenience.

(C) The Govt. functionary may request the police authority to lift the ban on movement of residents of the locality

outside their dwellings.

a) None is implicit

b) Only (A) is implicit

c) Only (B) is implicit

d) Only (C) is implicit

e) Only (B) and (C) are implicit

32. Statement : The apex body controlling universities in the country has decided to revise the syllabus of all the

technical courses to make them focused towards the present needs of the industry thereby making the technical

graduates more employable than they are at present.

Which of the following assumption(s) is/are implicit in the above statement?

(A) Technical colleges affiliated to different universities may not welcome the apex body's decision and may continue

with the same syllabus as at present.

(B) The industry may welcome the decision of the apex body and scale up their hiring from these colleges.

(C) The Govt. may not allow the apex body to implement its decision in all the colleges as it may lead to chaos.

a) None is implicit

b) Only '(A) is implicit

c) Only (B) is implicit

d) Only (C) is implicit

e) Only (A) and (B) are implicit

33. Statement: Govt. has urged all the citizens to use electronic media for carrying out their daily activities, whenever

possible, instead of using paper as the manufacture of paper requires the cutting down of a large number of trees

causing severe damage to the ecosystem.

Which of the following assumption(s) is/are implicit in the above statement?

(A) Most people may be capable of using electronic media to carry out various routines.

(B) Most people may have access to electronic media for carrying out their daily routine activities.

(C) People at large may reject the Govt.'s appeal and continue using paper as before.

a) Only (A) is implicit

b) Only (B) is implicit

c) Only (A) and (B) are implicit

d) Only (C) is implicit

e) None of these


34. Statement : The Govt. has decided to auction construction of highways to private entities in several blocks across the

country on build-operate-transfer basis.

Which of the following assumption(s) is/are implicit in the above statement?

(A) An adequate number of private entities may not respond to the Government's auction notification.

(B) Many private entities in the country are capable of constructing highways within reasonable time.

(C) The Govt.'s proposal of build operate-transfer may financially benefit the private entities.

a) Only (A) and (B) are implicit

b) Only (B) and (C) are implicit

c) Only (B) are implicit

d) Only (A) and (C) are implicit

e) None of these

35. Statement: The airlines have requested all their bona-fide passengers to check the status of flight operations before

leaving their homes as heavy fog is causing immense problems to normal flight operations.

Which of the following assumption(s) is/are implicit in the above statement?

(A) The majority of the air passengers may check the flight status before starting their journey to the airport.

(B) The Govt. may take serious objection to the notice issued by, the airline company.

(C) Majority of the passengers may cancel their tickets and postpone their journey till the situation becomes normal.

a) None is implicit

b) Only (A) is implicit

c) Only (B) is implicit

d) Only (C) is implicit

e) Only (A) and (C) are implicit

Directions (36-40) : Below is given a passage followed by several possible inferences which can be drawn from the facts

stated in the passage. You have to examine each inference separately in the context of the passage and decide upon its

degree of truth or falsity.

Mark answer a) if the inference is 'definitely true', i.e. it properly follows from the statement of facts given.

Mark answer b) if the inference is 'probably true’, though not 'definitely true' in the light of the facts given.

Mark answer c) if the data are inadequate', i.e. from the facts given you cannot say whether the inference is likely to lie

true or false.

Mark answer d) if the inference is 'probably true', though not 'definitely false' in the light of the facts given.

Mark answer e) if the inference is 'definitely false’, .i.e. it cannot possibly be drawn from the facts given or it contradicts

the given facts

higher at the end of December 2009 than at the end of December 2008 is not surprising. Any slowdown in growth is

bound to trigger a rise in NPAs as more and more companies default on loan repayments. The effect would be

pronounced when the slowdown coincides with a severe global recession. But for the restructuring of loans permitted

by the Central Bank on fairly generous terms, NPAs would have been still higher. Prudent banks that took care while

sanctioning loans and then monitored the post-sanction disbursement diligently should be able to weather the crisis.

But it is one thing to have NPAs rise because of a cyclical downturn, it is quite another to have NPAs rise because of

policy errors that ate entirely within the realm of policymakers. And this is what we need to guard against. Excessively

low interest rates skew the risk-reward equation by making projects that are actually hot viable, appear viable till

interest rates reverse and the same projects cease to be viable ! It is now well established that long periods of unduly

low interest rates encourage banks to take more risks. A low interest rate regime driven by an easy money policy rather

than macroeconomic fundamentals leads to excessive expansion of credit: It incentivizes banks to take on more risk in

search of higher returns and to misprice risk.

36. Higher NPAs indicate shortcomings in disbursement and follow-up of credit given by banks.

37. The Central Bank always allows banks to restructure their loans in the event of rise in NPAs.

38. Lower interest rate cycle projects commercially unviable projects as viable.

The deterioration in the overall asset quality of banks gross Non-Performing Assets (NPAs) are reportedly 27%

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39. Low interest rate on credit reduces the capacity to absorb various unaccounted risk factors.

40. Banks NPAs occur only due to economic factors.

Directions (41-45) : ,Study the following information carefully and answer the questions given below:

The candidate must--

a) have secured at least 60 percent marks in Std. XII.

(ii) have secured at least 55 percent marks in Graduation in any discipline.

(iii) have secured at least 60 percent marks in Post-graduate degree/diploma in Management/Economics/Statistics.

(iv) be at least 25 years and not be more than 35 years as on 1.3.201011

(v) have post qualification work experience of at least 2 years as General Banking Officer in a bank.

(vi) have secured at least 50 percent marks in written examination.

(vii) have secured at least 40 percent marks in Personal Interview.

(a) at (iii) above, but has secured at least 60 percent marks in CA or ICWA, the case is to be referred to VP Recruitment.

(b) at (vii) above, but have secured at least 65 percent marks in the written examination and at least 35 percent marks in

the personal interview, the case is to be referred to President Recruitment.

actions based on the information provided and the conditions and sub-conditions given above and mark the number of

that course of action as your answer. You are not to assume anything other than the information provided in each

question. All these cases are given to you as on 1.3.20 I 0.

Mark answer a) if the data provided are inadequate to take a decision.

Mark answer b) if the ease is to be referred to VP Recruitment.

Mark answer c) if the case is to be referred to President Recruitment.

Mark answer d) if the candidate is to be selected.

Mark answer e) if the candidate is not to be selected.

41. Kesav Vora was born on 8th November 1978. He has secured 65 percent marks in Std. XII and 60 percent marks in

Graduation. He has secured 58 percent marks in M.A. Economics and 60 percent marks in ICWA. He has been working in

a bank as generalist officer fm the past two• years after completing his education. He has also secured 50 percent marks

in the written examination and 45 percent marks in personal interview.

42. Arindam Ghosh has been working in a bank as generalist officer for the past four years after completing his

postgraduate diploma in management with 60 percent marks. He has secured 50 percent marks in the written

examination and 40 percent marks in the personal interview. He has also secured 70 percent marks in Std. XII. He was

born on 25th February 1975.

43. Sohan Majhi has secured 65 percent marks in B.Sc. and 70 percent marks in M.Sc. Statistics. He has been working in

a bank as generalist officer for the past three years after completing his post-graduation. He has secured 55 percent

marks in the written examination and 50 per cent marks in the personal interview. He was born on 8th July 1982.

44. Neha Salve has been working in a bank as generalist officer for the past four years after completing her postgraduate

degree in Economics with 60 percent marks. She has secured 60 percent marks in both graduation and Std. XII. She was

born on 24th August 1979. She has secured 70.percent marks in the written examination and 38 percent marks in the

personal interview.

45. Neeta Jaiswal was born on 2nd June 1980. She has been working in a bank as generalist officer for the past three

years after completing her postgraduate degree in Economics with 60 percent marks. She has secured 68 percent marks

in HSC and 58 percent marks in B. Com. She has also secured 50 percent marks in both the written examination and

personal interview.

Following are the conditions for selecting Senior" Manager-General Banking in a bank:

In the case of a candidate who satisfies all the above conditions except-

In each question below are given details of one candidate. You have to take one of the following courses of

Rests of the questions are in the attachment, download it freely from here: