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Old 3rd August 2014, 12:53 PM
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Default Reserve Bank of India Research Officers Grade B previous year question papers

WIl you please share with me the Reserve Bank of India Research Officers Grade B previous year question papers?
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  #2  
Old 3rd August 2014, 03:28 PM
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Default Re: Reserve Bank of India Research Officers Grade B previous year question papers

As you want to get the Reserve Bank of India Research Officers Grade B previous year question papers so here it is for you:

Direction (Qs. 1 to 5) :
Which of the phrases (1), (2), (3)
and (4) given below each sentence should replace the phrase
printed in bold in the given sentence to make it
grammatically correct? If the sentence is correct as it is
and no correction is required, then mark your answer as (5) :

1. Ultimately he received the honour he deserve.
(1) Gained the honour he deserve
(2) Received the honour he deserves
(3) Received the honour he deserved
(4) Bags the honour he deserve
(5) No correction required
Ans: ( 3 ) Received the honour he deserved
2. I am totally opposite in the statement of some of our
Managers.
(1) Totally oppose to the
(2) Absolutely oppose by the
(3) Totally opposed to the
(4) Completely opposed in the
(5) No correction required
Ans: ( 3 ) Totally opposed to the
3.Gayatri turned down the job offer to accommodate her friend.
(1) Job offered in accommodate
(2) Job offers for accommodate
(3) Job offer to accommodating
(4) Job offer in accommodate
(5) No correction require
Ans: ( 5 ) No correction required
4. She was informed that everyone of them are aware of the fact.
(1) Were aware of
(2) Are aware of
(3) Was aware of
(4) Is aware of
(5) No correction required
Ans: ( 3 ) Was aware of
5. She has being venturing into areas which she had always
avoided in the past.
(1) Has been venturing into
(2) Has venturing into
(3) Would venturing into
(4) Had venturing into
(5) No correction required
Ans: ( 1 ) Has been venturing into
Directions (Qs. 6 to 10) : Read each sentence to find out
whether there is any grammatical error or idiomatic error in
it. The error, if any, will be in one part of the
sentence. The number of that part will be your answer. If
there is no error (ignore errors of punctuation, if any),
then your answer will be (5).
6. They never thought (1) / that Joshi is (2) / oldest than
the other (3) / Professors in the Faculty. (4) / No error (5)
Ans: ( 3 )
7. Taken into consideration (1) / the advice of his (2) /
colleagues he decided (3) / to stay in the Institute. (4) /
No error (5)
Ans: ( 1 )
8. I am likely contact (1) / you sometime in (2) / next week
to (3) / discuss with you in detail. (4) / No error (5)
Ans: ( 1 )
9. The police has making (1) / every effort to provide (2) /
best help and (3) / attention to each citizen. (4) / No
error (5)
Ans: ( 1 )
10. He cannot withdraw (1) / all his money (2) / unless he
do not (3) / give advance notice. (4) / No error (5)
Ans: ( 3&4 )

Directions (Qs. 11 to 25) : Read the following passage to
answer these questions given below it. Certain words /
phrases have been printed in bold to help you locate them
while answering some of the questions :
The suicide attacks by militant Palestinian groups killing
large numbers of Israeli civilians and the harsh Israeli
response, have raised the renewed hopes of peace in the
region. It is Arafat?s leadership and authority that are
being severely tested in the latest phase of the west Asian
crisis.
By accusing the Palestinian Authority (PA) of supporting
terrorism by groups, Israel hopes to put pressure on Arafat
to act. Arafat, on the other hand, has never looked a less
powerful force than he does today. If he acts against the
militants and elements in his own Fatah movement sympathetic
to them, he risks a Palestinian civil conflict. But if he
chooses to do nothing, he faces erosion of his authority and
all claim to a central role in the peace process. Whatever
he does, sections of the Palestinians will hold that he has
gone too far and Israel that he has not gone for enough.
This is, of course, why Arafat has invariably shrunk from
hard decision. He has refrained from curbing the militant
groups, explaining his inaction as necessary to maintain
Palestinian unity.
The Palestinian leadership?s inability to improve economic
conditions for its people has been a decisive factor in the
erosion of its ability to act. Palestinians in Gaza have
targeted the PA as being responsible for their condition.
The Militant organizations have capitalized on the PA?s
failure to establish a functioning administrative
infrastructure by setting up a parallel welfare system with
the help of the millions of dollars. Though the
Palestinian security forces claim to have arrested more than
100 militants after the suicide bomb attacks in Israel, the
other similar militant groups remain defiant, confident of
their popular support and of the certainty that in the
ultimate analysis the PA leadership will stop short of
decisive action against them.
That the militant groups enjoy popular support in Gaza is
hardly surprising. The Gaza Strip today resembles a vast
prison camp in which some 1.2 million Palestinians are
crammed. Despite the Oslo Accord, 7000 Israeli settlers
still remain in 20 percent of the Gaza?s area and are
protected by heavily armed Israeli forces. With its recent
blockade of and extensive incursion into PA controlled
territories, the Israeli government has placed the whole
civil society in Palestine under siege. Over 450 NGOs,
eight universities and numerous other educational, civic,
social, developmental and health institutions have had their
work impeded and their vital services to the population
blocked. An international conference on Israel?s treatment
of human rights in West Bank and Gaza, attended by
signatories to the 1949 Geneva Conventions, that has opened
in Switzerland overriding Israeli and American protests, is
expected to censor Israel for its treatment of civilians in
the Palestinian territories.
Arafat?s standing among Palestinians rests on the authority
conferred on the PA by the international community to
represent and speak for the Palestinians. Even the major
militant group has so far never openly challenged Arafat?s
leadership. Israel?s latest vicious attacks directed
against the PA and Arafat present the international
community with the danger that this precarious balance of
power in the Palestinian community may be destroyed.
Continuance of the Israeli attacks can only further
radicalize and harden the attitudes of ordinary
Palestinians. On the other hand, Israeli moves to freeze
further expansion of Jewish settlements in the West Bank and
Gaza and, as soon as security conditions permit it, ease the
economic blockade of Palestinian towns?however remote such
measures appear just now?alone can restore the authority of
the PA and give it a chance to get a grip on Palestinian
militancy.
11. Which of the following factors have raised the hope for
peace in West Asia?
A. Killings of Israeli civilians
B. Harsh response of Israelites
C. Revocation of Oslo Accord
(1) Only A and C
(2) Only B and C
(3) Both A and B
(4) Either A or B
(5) None of these
Ans: ( 3 ) Both A and B
12. Which of the following explains the lack of action on
the part of Palestinian leader?
(1) He fears the army action against him
(2) This according to him will fasten peace process
(3) He feels that this step will keep Palestinians united
(4) He is seriously worried about the degeneration of his
power base
(5) None of these
Ans: ( 4 ) He is seriously worried about the degeneration
of his power base
13. What is ultimate analysis of other similar militant groups?
(1) The PA leadership will only act if a definite forceful
action is taken on the PA
(2) The suicidal attacks will only aggravate the situation
(3) The PA leadership should be changed
(4) The action on the Palestinians was justified
(5) None of these
Ans: ( 5 ) None of these
14. Which of the following words is just opposite in meaning
to the word impeded as used in the passage?
(1) Hindered
(2) Facilitated
(3) Felicitated
(4) Stopped
(5) Courage
Ans: ( 1 ) Hindered
15. What does the word overriding mean as used in the passage?
(1) Notwithstanding
(2) Concurring
(3) Welcoming
(4) Criticizing
(5) None of these
Ans: ( 1 ) Notwithstanding
16. Which of the following best describes the meaning of the
word challenged as used in the passage?
(1) Questioned
(2) Accepted
(3) Attacked
(4) Scared
(5) None of these
Ans: ( 1 ) Questioned
17. Which of the following is the most similar word as
accusing as used in the passage?
(1) Abusing
(2) Blaming
(3) Charging
(4) Responding
(5) Praising
Ans: ( 2 ) Blaming
18. Which of the following is the expected outcome of
International Conference which is in progress in Switzerland?
(1) To revoke 1949 Geneva Convention
(2) Impose censorship on propaganda of PA
(3) To build cordial relations between Conflicting parties
(4) To put a curb on Israel?s policies while treating
civilians in an alien territory
(5) None of these
Ans: ( 3 ) To build cordial relations between Conflicting
parties
19. Which of the following best explains the word vicious as
used in the passage?
(1) Dangerous
(2) Fatal
(3) Reoccurring and cyclic
(4) Cyclic but not reoccurring
(5) None of these
Ans: ( 3 ) Reoccurring and cyclic
20. Which of the following best explains the word remote as
used in the passage?
(1) Far away from reality
(2) Distant
(3) Most likely to happen
(4) Control in someone else?s hand
(5) None of these
Ans: ( 1 ) Far away from reality
21. Who according to the passage conferred the authority to PA?
(1) Arafat
(2) Israel
(3) Militant groups
(4) International community
(5) None of these
Ans: ( 4 ) International community
22. Which of the following can restore the degenerating
authority of the PA?
A. Arresting the expansion of Jewish settlements
B. Easening the economic blockade of Palestinian towns
(1) Only A
(2) Only B
(3) Either A or B
(4) Both A and B together
(5) Neither A or B
Ans: ( 4 ) Both A and B together
23. Which of the following is the most opposite in meaning
as the word shrunk as used in the passage?
(1) Coming forward
(2) Abdicating
(3) Control
(4) Expand
(5) None of these
Ans: ( 1 ) Coming forward
24. What may be the affect of continuous Israeli attacks?
(1) It may harness a negative attitude amongst the civil
Palestinians
(2) It may destroy militancy from its basic roots
(3) It may revitalize the weakening leadership of the PA
(4) It may enhance militant activities
(5) None of these
Ans: ( 4 ) It may enhance militant activities
25. What dangers are being perceived by the International
Community?
(1) Both the nations may get destroyed if war erupts
(2) The PA and Israel will never strike a deal
(3) The attacks against the PA may destroy the balance of
power in Palestinians
(4) The militancy may spread in other countries also
(5) None of these
Ans: ( 3 ) The attacks against the PA may destroy the
balance of power in Palestinians
Directions (Qs. 26 to 35) : 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:
Whatever prosperity India enjoyed in the seventeenth
century disappeared when the Mughal Empire ???(26) apart.
The most immediate cause of this breakdown was the religious
intolerance, which led to the open rebellion. It was to
???(27) these revolts that the bigot ruler spent ???(28)
years in the field, with immense armies consuming the
revenues of the country. There were, however, more
deep-seated ???(29) The corruption of officials and the
oppression of the masses steadily ???(30) away the empire?s
life blood. For sometime, there had been a noticeable
deterioration in the character of the ruling class. Wars of
succession ???(31) wiped out the leading families, and new
blood from central Asia was no ???(32) recruited for the
higher governmental posts. Finally, the Mughal Empire was
an alien regime. It continues to be so ???(33) Akbar?s
policy of conciliation was abandoned, and it wore itself out
trying to maintain its power ???(34) the ceaseless
opposition, only now and then overt but always present, of
the (35) citizens.
26. (1) Joined
(2) Broke
(3) Dashed
(4) Banged
(5) Became
Ans: ( 2 ) Broke
27. (1) Run out
(2) Crash
(3) Crush
(4) Cajole
(5) Motivate
Ans: ( 3 ) Crush
28. (1) No
(2) Hardly
(3) Many
(4) Inexpensive
(5) Most
Ans: ( 3 ) Many
29. (1) Variables
(2) Attributes
(3) Characteristics
(4) Causes
(5) Affect
Ans: ( 4 ) Causes
30. (1) Drained
(2) Gone
(3) Sucked
(4) Released
(5) Went
Ans: ( 1 ) Drained
31. (1) Has
(2) Have
(3) Was
(4) Did
(5) Had
Ans: ( 5 ) Had
32. (1) Longer
(2) Pumped
(3) Far
(4) Candidate
(5) Shorter
Ans: ( 1 ) Longer
33. (1) At
(2) Into
(3) Over
(4) After
(5) Before
Ans: ( 4 ) After
34. (1) Far
(2) At
(3) Against
(4) Favouring
(5) For
Ans: ( 3 ) Against
35. (1) Discontented
(2) Weeping
(3) Ruling
(4) Calm
(5) Contented
Ans: ( 1 ) Discontented
Directions (Qs. 36 to 40) : Pick out the most effective
word/phrase from the given words to fill in the blanks to
make the sentences meaningfully complete:
36. Tiwari?s weill-wishers went to the extreme to _____ his
business reputation.
(1) Speak
(2) Enhance
(3) Cajole
(4) Provoke
(5) Advocate
Ans: ( 2 ) Enhance
37. A group of junior college boys _____ the highest peak of
the Shivalik range of the Himalayas.
(1) Scaled
(2) Walked
(3) Climb up
(4) Avoided
(5) Won
Ans: ( 1 ) Scaled
38. A special programme to raise the standard of living of
the village folks has been _____ by the Government.
(1) Affixed
(2) Stalled
(3) Glued
(4) Launched
(5) Propose
Ans: ( 4 ) Launched
39. A herd of elephants _____ ready to attack the lion.
(1) Were
(2) Is
(3) Was
(4) Are
(5) Has been
Ans: ( 2 ) Is
40. It is not possible this year to run this company with so
many employees, without increasing the _____ of deficit.
(1) Loss
(2) Altitude
(3) Gain
(4) Magnitude
(5) Extend
Ans: ( 4 ) Magnitude
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  #3  
Old 30th March 2015, 02:24 PM
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Default Re: Reserve Bank of India Research Officers Grade B previous year question papers

Please provide Previous Year Question Papers of Reserve Bank of India Research Officers Grade B Exam for preparation?
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Old 30th March 2015, 02:30 PM
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Default Re: Reserve Bank of India Research Officers Grade B previous year question papers

Here I am providing you Previous Year Question Papers of Reserve Bank of India Research Officers Grade B Exam for your preparation.

Question Papers of RBI Research Officers Grade B Exam:

Qs. 1-5. These questions are based on the following infomation:
(i) A,B,C,D,E,F and G are sitting around the circle and are facing the centre.
(ii) G is second to the left of C, who is to the immediate left of F.
(iii) A is third to the left of E.
(iv) B is between D and E.

1. Which of the following is true?
(1) B is second to the right of G
(2) D is second to the left of E
(3) A is to the immediate right of G
(4) C is fourth to the left of B
(5) None of these

2. Which of the following has the middle person sitting between the remaining two?
(1) EFB (2) DEB (3) GDA (4) FCE (5) None of these

3. Which of the following is false?
(1) F is third to the right of D (2) B is to the immediate left of D
(3) G is to the immediate right of D
(4) A is fourth to the right of E
(5) None of these

4. Which of the following is the position of F?
(1) To the immediate left of C
(2) Fourth to the right of A
(3) Between A and E
(4) To the immediate right of A
(5) None of these

5. Which of the following pairs has the first person sitting to the immediate left of the second person?
(1) BE (2) GD (3) CA (4) DG (5) None of these

6. Which of the following have the same relationship between them as is there between QT: PS?
(1) PN : PM (2) BE : FC (3) IL : HK (4) TY : SW (5) None of these

7. Rewrite the word „ VOCALIST‟ in the numeric form by writing its first four letters in the reverse
order and then the next four letters in the reverse order by substituting I by 8, O by 1, L by 3, T by 2, V by 5, S by 7, A by 9 and C by 6.
(1) 92516783 (2) 92156783 (3) 92157683 (4) 92156873 (5) None of these

8. In a row of boys facing the North, A is 16th from the left end and C is 16th from the right end. B,
Who is fourth to the right of A is fifth to the left of C in the row. How many boys are there in the row?
(1) 42 (2) 41 (3) 40 (4) 39 (5) None of these.

9. Among P,Q,R,S and T,Q is the second tallest and S is immediate taller than the shortest. Which of the following is (are) necessary to decide who among them is at the middle when they stand in the order of their height?
(A) T is not the shortest.
(B) R is taller than S but shorter than Q.
(C) P ranks third in height above S when all are arranged in the order of height.

(1) Only (B) (2) Only (A) and (B) (3) Only (B) and (C)
(4) (B) Or (A) and (C) (5) None of these

10. A is the uncle of B, who is the daughter of C and C is the daughter-in-law of P. How is a related to P?
(1) Son (2) Son-in-law (3) Brother (4) Data inadequate (5) None of these

11. If a meaningful word can be formed from RKUL, by using each letter only once, then the third letter of that word is your answer. If more than one such word can be formed, your answer is „Y‟ and if no such word is formed, then your answer is „Z‟.
(1) Y (2) Z (3) R (4) L (5) K


Qs. 12-16. In each question below are three statements followed by three conclusions numbered I, II and
III. You have to take the three given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from the three given statements disregarding commonly known facts. Then decide which of the answers (1), (2), (3), (4) and (5) is the correct answer and indicate it on the answer sheet.

12. All tigers are lions.
No cow is lion.
Some camels are cows.
I. Some lions are camels.
II. No camel is tiger.
III. Some tigers are cows.
(1) Only I follows (2) Only III follows (3) Only II follows
(4) Either I or II follows (5) None follows

13. Some uniforms are covers.
All covers are papers.
All papers are bags.
I. All covers are bags.
II. Some bags are covers and papers and uniforms.
III. Some uniforms are not papers.
(1) Only I follows (2) Only I and II follow (3) Only III follows
(4) All I, II and III follow (5) None of these

14. Some mountains are hillocks.
Some mountains are rivers.
Some mountains are valleys.
I. All mountains are either hillocks or rivers or valleys.
II. No valley is river.
III. some rivers are valley.
(1) None follows (2) Only follows (3) Only either II or III follows
(4) Only III follows (5) None of these

15. All boys are men.
Some girls are boys.
All girls are women.
I. All boys are women.
II. Some men are girls.
III. Some women are men.
(1) Only II and III follow (2) Only III follows (3) Only either II or follows
(4) All I, II and III follow (5) Only II follows

16. Some chalks are dusters.
Some boards are chalks.
All boards are desks.
I. Some dusters are desks.
II. Some boards are dusters.
III. Some desks are chalks.
(1) Only I and III follow (2) Only III follows (3) Only I follows
(4) Only II follows (5) None follows

17. How many such pairs of letters are there in the word „HACKLE‟, each of which has as many letters
Between the two letters of the pair as there are between them in the English alphabet?
(1) One (2) Two (3) Three (4) Four (5) More than four

18. By applying which of the following meanings of the arithmetical signs will the value of 700-10/ ½ x35+70‟ be „0‟?
(1) x means ÷, + means -, ÷ means x, - means +
(2) x means +, + means -, ÷ means x, - means ÷
(3) x means ÷ , + means -, ÷ means x, - means +
(4) x means ÷, + means x, ÷ means +, - means -
(5) None of these

19. If in a certain code „GLAMOUR‟ is written as „IJCNMWP‟ and „MISRULE‟ is written as
„OGUSSNC‟, then how will „TOPICAL‟ be written in that code?
(1) VMRJACJ (2) VNRJABJ (3) VMRHACJ
(4) VMRJECN (5) None of these


Qs. 20-25. These questions are based on the following arrangement of symbols, letters and numbers:
↑ 9 B Q = $ 2 5 R J δ L 3 @ Y M E 6 8 * † D F 4 β H 7 ©

20. Total number of pairs of adjacent symbol and alpha (X), total number of pairs of adjacent alpha and number (Y) and total number of pairs of adjacent number and symbol (Z) in the above arrangement if arranged in the descending order of X,Y and Z, which of the following will indicate the same?
(1) X, Y, Z (2) Y, X, Z (3) X, Z, Y
(4) All the three are equal in number (5) None of these
21. In the above arrangement 2RJL : B = $5 and YE6* : δ3@M in the same way as? : 8 † D4.
(1) F β H © (2) YE6* (3) D4β7 (4) ÷F4H (5) None of these

22. How many such symbols are there in the above arrangement each of which is either immediately followed by a number or immediately preceded by a letter?
(1) One (2) Two (3) Three (4) Four (5) More than four

23. How many such numbers are there in the arrangement and hence form a group. Which one does not belong to the group?
(1) Nil (2) One (3) Two (4) Three (5) None of these

24. Four of the following five are alike in a certain way based on the positions of their elements in the above arrangement and hence form a group. Which one does not belong to the group?
(1) BQ9=↑ (2) YM@E3 (3) *÷8D6 (4) @Y3ML (5) βH47D

25. How many such letters are there in the arrangement each of which is immediately followed by a number but not immediately followed by a number but not immediately followed by a number but not immediately preceded by a symbol?
(1) Four (2) Three (3) Two (4) One (5) Nil

26. In a row of girls, there are 16 girls between Priti and Deepa. Priti is 32nd from the left end of the row. If Priti is nearer than Deepa to the right end of the row, how far away is Deepa from the left end of the row?
(1) Data inadequate (2)15th (3) 14th (4) 16th (5) None of these


Qs. 27-30. Given an input a coding machine generates pass codes for six batches every day as follows:
Input : A couple of cars sped down the road.
Password:
Batch I : A of couple car down sped road the
Batch II : of A couple down car sped the road
Batch III : of couple A down sped car road the
Batch IV : couple of A sped down car the road and so on till the sixth batch.
The first batch timing is 9.00 a.m. and each batch is of one hour‟s duration. There is a rest period of one hour after the fourth batch work is over.

27. Ashok was initially given a pass code by the machine for the batch at 11.00 a.m. as but laser treatments can last upto two years. However, he had to work in the batch at 10.00 a.m. on that day. What was then his pass code generated by the machine?
(1) but laser treatment can upto last years two
(2) but laser treatment can last upto two years
(3) but laser treatment can last upto years two
(4) but treatment laser can upto last years two
(5) None of these

28. If an input on a day is my mother calls often to ask about Harry, what will be the pass code for the batch prior to the rest period?
(1) calls mother my ask to often Harry about
(2) calls mother my ask to often about Harry
(3) mother calls my to ask often about Harry
(4) mother calls my to ask often Harry about
(5) None of these

29. The pass code for the batch immediately before the rest hour was it was a dream to climb the boat‟. What was the input on that day?
(1) a was it climb to dream boat the
(2) a it was climb dream to the boat
(3) a it was climb dream to boat the
(4) a was it climb to dream the boat
(5) None of these

30. The input for pass code on a day was we can get on with this obstacle now. What was the pass code for the last batch on that day?
(1) We can get on with this obstacle now (2) We can get on with this now obstacle
(3) We get can on this with now obstacle (4) We get can on this with obstacle now
(5) None of these

Qs. 1-15. Read the following passage carefully and
answer the questions given below it. Certain words/phrases
has been printed in bold to help you to locate them while
answering some of the questions.
The structure and operations of banks have undergone
a rapid transformation in recent years. Consequent upon
the revolution in information technology and the associated
increase in competition financial intermediaries have become
increasingly global in geographical coverage and universal
in the financial operations, encompassing a wide range of
activities including banking, securities markets activities and
insurance. In the face of widespread concerns about
declining profitability of banks, the Basel capital adequacy
norms were enacted.
Although the Basel norms helped to arrest the erosion
of banks’ capital ratios, concerns were raised regarding the
mere applicability of baseline capital ratios in the changed
environment of operation. The blurring of both functional
as well as national divisions among the financial
intermediaries, and the speed and complexity of adjustment,
made it difficult for regulators to keep up with the growing
pace change. In particular the rule of ‘one-size-fits-all’ aspect
of the capital adequacy ratio was the subject of intense
debate. Recent banking crisis only emphasized the point
that baseline capital adequacy norms were not adequate to
hedge against failures. In response to the same, the Basel
Committee on Banks’ Supervision came out with the new
Consultative Paper on Capital Adequacy. It invited
suggestions from the policymakers, academia and other
institutes all over the world. After taking into consideration
manifold suggestions of the various organizations, the
second Consultative Paper on Capital Adequacy was
released.
The Accord rests on three pillars; the first pillar of
minimum capital requirement, the second pillar of
supervisory review process and the third pillar of market
discipline. The first pillar sets out the minimum capital
requirements. The new framework maintains both the
current definition of capital and the minimum requirement
of 8% of capital to risk-weighted assets. The revised Accord
will be extended on a consolidational basis to holding
companies of banking groups. The Accord stresses upon
the improvement in measurement of risks. The credit risk
measurement methods have been made more elaborate than
those in the existing Accord. The new framework also
emphasizes the measurement of operational risk. For
measuring credit risk, two options have been proposed. The
first is the standardized approach and the second is the internal
rating based approach. Under the standardized approach,
the existing approach for credit risk remains conceptually the
same, but the risk-weights have been enlarged to encompass
exposures to a broad category of borrowers with reference to
the rating provided by rating agencies.
1. What necessitated the creation of Basel capital
adequacy norms?
(1) To study the profitability pattern in the banks.
(2) The banks wanted its capital reserve ratios to be
kept above 8%.
(3) Regulatory body of the banks wanted to have
uniform policy.
(4) Corporate buyers compelled the lending institutions
to do so.
(5) None of these
2. Which of the following factors are responsible for
rapid transformation in banks in recent years?
(1) The forces of privatization and international players
have compelled the banks to do so.
(2) Control from regulators has become meaningless
for the banks to survive.
(3) Sudden upsurge in economy.
(4) The competition has increased and information
technology has undergone a sea change.
(5) None of these
3. According to the passage activities encompassed
by banks are:
(1) insurance, housing finance and low cost funds.
(2) market discipline, profit maximization and priority
sector banking.
(3) securities markets, insurance and banking.
(4) geographical coverage, universalization and
transformation.
(5) None of these
4. The main features of the standardized approach are:
(1) the credit risk management should encompass large
corporate borrowers.
(2) the borrowers should not have more than 8% risk
weighted assets.
(3) banks capital reserve ratios should be strictly
maintained.
(4) the risk weights should take into consideration the
ratings of rating agencies.
(5) None of these
5. The consultative paper of Basel Committee was a
result of:
(1) three pillar accord of academic institutes.
(2) contribution from international policy makers,
academicians and institutions.
(3) failure of structures and operations of banks in the
world.
(4) erosion of banks’ fixed assets owing to global
competition.
(5) None of these
6. How did Basel norms help the Bank?
(1) It changed the environment of operations.
(2) The decline in capital ratios was arrested.
(3) The banks could successfully keep market discipline.
(4) It did not erode the quality of risk measurement.
(5) None of these
7. Emphasis on operational risk measurement was the
main feature of:
(1) theory of three pillars risk management.
(2) first consultative paper on capital adequacy.
(3) second consultative paper on capital adequacy.
(4) Basel capital adequacy norms.
(5) None of these
8. Which of the following difficulties was faced by
regulators on prescription of Basel norms?
(1) The regulators could not keep up with growing pace
of change.
(2) There was no provision for risk measurement.
(3) The minimum requirement of 8% of capital could
not be met.
(4) The supervisory review process could not be carried
out.
(5) None of these
9. Which of the following is NOT a recommendation
of second consultative paper on capital adequacy?
(1) The minimum capital requirement for a bank has
been prescribed.
(2) Universal financial operations are permitted within
limited geographical coverage.
(3) The supervisory review should be more
comprehensive.
(4) The market discipline has to be observed by each
bank.
(5) None of these
10. According to passage factor(s) responsible for
declining profitability in banks was/were:
(A) cut-throat competition and technology revolution.
(B) globalization of financial intermediaries.
(C) privatization of insurance.
(1) Only (A) (2) Only (B) (3) Both (A) and (B)
(4) Both (B) and (C) (5) Neither (A) nor (B)

Qs. 11-13. Choose the word which is most similar in
meaning to the word printed in bold as used in the passage.
11. Elaborate
(1) precise (2) discernible (3) explanatory
(4) enumerate (5) implicit
12. Options
(1) alternatives (2) distracters (3) answers
(4) paths (5) directions
13. Erosion
(1) loss (2) depletion (3) assets
(4) replenishment (5) reclamation
Qs. 14-15. Choose the word which is most opposite in
meaning to the word printed in bold as used in the passage.
14. Accord
(1) summit (2) record (3) disagreement
(4) difference (5) withdrawal
15. Manifold
(1) single (2) alone (3) lonely
(4) isolated (5) multiple

Qs. 16-25. Which of the phrases (1), (2), (3) and (4) given
below each sentence should replace the phrase printed in
bold in the sentence to make it grammatically correct? If the
sentence is correct as it is given and No correction required,
mark (5) a the answer.
16. The Governor has a good collection of paintings
adorning the walls of the Raj Bhavan.
(1) painting adoring the walls
(2) painting adorning a walls
(3) paintings sticking the walls
(4) paintings adorn the walls
(5) No correction required
17. The argument against privatization stems from a fear
that the national assets were being handed to private sector.
(1) assets are being handed over to
(2) assets is being handled by
(3) asset have been handed over to
(4) assets are being handled into
(5) No correction required
18. The principals and teachers at the selected English
medium schools were contacted.
(1) of the selected English medium
(2) at the select English medium
(3) upon the selected English medium
(4) of the selection English medium
(5) No correction required
19. Fast foods can be dangerous as they deprive the
body of essential nutrients.
(1) the body at essential (2) the body of essentially
(3) the body from essential
(4) the bodies onto essential
(5) No correction required
20. Some people feel that the medium of instruction
in all colleges in India would be only English.
(1) should has been only English
(2) will have be only English
(3) should be only English
(4) would be English only
(5) No correction required
21. Besides these norms, the data was also analysed
to form the sub groups.
(1) the data had analysed also
(2) the data were also concluded
(3) the data were also analysed
(4) an data were analysed also
(5) No correction required
22. The children and their specific problems needs to
be identified.
(1) problem need to be (2) problems needed to be
(3) problems has been (4) problems need to be
(5) No correction required
23. He does not know that Mount Everest is the most
highest mountain peak.
(1) is a more highest mountain
(2) is the most high mountain
(3) is the higher mountain
(4) is the highest mountain
(5) No correction required
24. The complex nature of the modern industrial
civilization and explosion of knowledge have made the
education process very complicated.
(1) has made the education process
(2) have made the educational process
(3) have made the education processed
(4) have been made educational process
(5) No correction required
25. Learning is defined as a relatively permanently
change in our potential for performance.
(1) relatively permanent change
(2) relative permanently change
(3) relatively permanent changed
(4) permanently relatively change
(5) No correction required

Qs. 26-35. 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.
It is a pity that we do not have good books on banking
written by Indian authors (26) to the steady growth of
literature on the subject in other countries especially, the
U.K. whose banking laws and (27) are very much akin to
those of our country. And students studying in our
universities and the millions of bank employees appearing
for various banking examinations have to depend (28) on
books written by foreign authors. As these books mainly
deal with the problems of banking industry of foreign
countries the (29) of the banking scene in India and the
various legal (30) and banking procedures remains very
weak. To (31) the bank employees and the university students
who have opted for (32) courses in banking with different
aspects of theory and practice of banking we should have
good and (33) textbooks. The book under review, written by
an experienced and (34) banker, on banking law based on
leading Indian cases, will be found very useful by students
of banking as a (35) guide to the principles of banking law.
26. (1) corresponding (2) following (3) emphasize
(4) correcting (5) paving
27. (1) products (2) notes (3) initiatives
(4) procedures (5) processes
28. (1) upon (2) still (3) rarely
(4) until (5) slightly
29. (1) core (2) application
(3) understanding (4) knowledge (5) purpose
30. (1) aspects (2) experts (3) books
(4) loops (5) lapses
31. (1) saddle (2) decorate (3) promote
(4) load (5) equip
32. (1) expensive (2) tough (3) detailed
(4) specialized (5) optional
33. (1) voluminous (2) many (3) seasoned
(4) shining (5) authentic
34. (1) qualified (2) rich (3) merchant
(4) desired (5) consulting
35. (1) powerful (2) ready
(3) comprehensive (4) prescribed (5) learned

Qs. 36-40. Each question below has two blanks, each
blank indicating that something has been omitted. Choose
the set of words for each blank that best fits the meaning of
the sentence as a whole.
36. He knew that a war of liberation___great spirit,
great sacrifice,___and patience.
(1) forced....peace (2) encouraged....demand
(3) compelled....money (4) boost....fear
(5) demanded....courage
37. Management has___a half forgotten idea; the
individual is___in directing decisions, skill and services.
(1) constituted....purposive (2) invented....vulnerable
(3) rediscovered....crucial (4) developed....objective
(5) devised....subjective
38. You can do franchising if you are____to shut
your____to many things.
(1) willing....eyes (2) opt....ears
(3) skilled....window (4) blind....vision
(5) helpless....thoughts
39. The___of an organization depends on several
factors, the___of leadership is the most important.
(1) effectiveness....quality (2) delivery....amount
(3) power....paucity (4) ambience....judgement
(5) strength....gender
40. History is___with examples of strong
nations___the weak ones.
(1) complete....require (2) organized....advocating
(3) written....asserting (4) replete....dominating
(5) taught....propagating
ANSWERS

1. (5) 2. (4) 3. (3) 4. (1) 5. (3)
6. (3) 7. (1) 8. (1) 9. (2) 10. (3)
11. (1) 12. (1) 13. (2) 14. (3) 15. (1)
16. (5) 17. (1) 18. (1) 19. (5) 20. (3)
21. (3) 22. (4) 23. (4) 24. (2) 25. (1)
26. (1) 27. (4) 28. (2) 29. (3) 30. (1)
31. (5) 32. (4) 33. (5) 34. (1) 35. (3)
36. (5) 37. (3) 38. (1) 39. (1) 40. (4)
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